23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am not sure if it is the right category. 

It 's a debt with XXXX that dates back from 2010. The debt was the last bill emitted by XXXX XX/XX/2010 when my wife XXXX XXXX XXXX was living at XXXX XXXX XXXX # XXXX XXXX IL. The last bill ended up through a collection agency at the end of the XXXX. We payed it XX/XX/2010 as soon as we were made aware of it. We did not have a permanent address for 3 months which explains the lack of awareness for that last XXXX bill. 

XXXX decided to invoice XXXX with late fees after the bill was paid through the collection agency, They failed to try to contact us by other means than letters. 
Late fees have been accumulating on top of each other for the last 6 years without any of our knowledge. 

We are currently trying to refinance our home, this is affecfting her credit. I just found out that we had that debt collection on my wife name. We called the collection agency and paid it, the amount was for XXXX and they have been charging late fees monthly for the last 6 yrs. XXXX never tried to called my wife since 2010 even though her phone number on record was still valid. 
They just sent it straight to the collection agency. 

The issue is with XXXX, not the collection agency
Product: Debt collection

Credence resource management is attempting to collect a debt from XXXX. I have repeatedly asked for an itemized bill for this random XXXX $ to which i have not received. The only thing sent was for XX/XX/XXXX for internet for {$45.00} with a past due of {$1200.00} plus. My account with XXXX was cancelled in XX/XX/XXXX and paid in full. I had no service with this company nor do I have any equipment it was returned in XX/XX/XXXX. When i called to disconnect services with XXXX in XX/XX/XXXX they stated no balance was owed. Not once from that point forward did I receive any kind of monthly bill as I had no service with XXXX any longer. Now fast forward to XXXX i have XXXX calling me multiple times a day to collect a debt they have yet to provide itemized information of and I have never been contacted by XXXX. Please remove this from my credit report and stop these mutliple day calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in a tug of war Wirth Experian since XXXX XXXX  about an account that has been paid and settled in full.
Product: Debt collection

On XX/XX/XXXX I sent this email I checked my credit report & seen a collection account that I have no knowledge of this is concerning portfolio account for 871 . Under 15 USC 1692 G. According to the FDCPA Im requesting written validation & proof of this debt under FDCPA section 809b You are required to obtain written Validation from the original creditor. Im herby requesting that you provide me with following proof that Im legally obligated to pay you : a copy of the original signed contract or a copy of the credit application that shows Im legally responsible to pay this debt. A complete statement of the amount you are trying to collect from me which includes a breakdown of the principal, your interest and any other fees, the original account number, dates & details of all transactions & a signed contract bearing my signature as proof of validity. The name of the original creditor along with their contact & address Information. Until you provide me with this verification, you must cease all collection efforts as required by federal law under the FDCPA pursuant to 15 USC 1692G. Im looking forward to receiving the requested validation within 30 days. Please cease all communication you may contact me by mail All they sent me was a copy of a credit card statement
Product: Credit card or prepaid card

In XX/XX/1997 I went online with Citibank, After their representative had been very rude and unhelpful to me over the telephone, I cancelled my card. 
I agree online that they would stop deducting money from my account and would reimburse me the amounts I had not authorized. {$150.00}. 
And that they would deduct {$50.00} from my checking account on the XX/XX/XXXX of the month. 
They had overcharged me in XX/XX/XXXX and in XX/XX/XXXX. 
I tried sorting it out on the web, but this time they stipulated that I had to speak to a representative. 
I tried very hard to speak with the Citibank representative, but as they had been in the past - they were totally unhelpful. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately I had one late payments on an account that I always paid on time. with XXXX XXXXXXXX  credit card Upon conversation with customer service. They could not provide me with any substantial reason for that report. As seen on the attached document I have bot missed any payment since XXXX aside the false aligation. This customer agency needs to report with complete accuracy. I am requesting you investigate and provide variable proof with records showing that I had a late payment If this information can not be provided I demand this these late payments updated to be paid on time immediately. Thank you for your understanding and prompt action. Attached is a copy of my report ( XX/XX/XXXX ) Thank you for your understanding.
Product: Credit card or prepaid card

On XX/XX/XXXX. A hard inquiry was done for a CITI Costco card which was approved and sent to me. I did not apply for this. On the day it came in, I called CITI and they cancelled the card. On XX/XX/XXXX I received a letter from CITI asking for clarification of a suspicious purchase. I called in and found that while the card had been cancelled, the account itself was still active. It is now closed. I did receive the information that there was a name of XXXX XXXX attached to the account. ( I do not know this person ) I called XXXX to have the inquiry removed from my credit report and that is where I am at now.
Product: Credit reporting or other personal consumer reports

Companies falsely reporting inquiries to my credit are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these credit pulls and request they be investigated and removed.
Product: Debt collection

XX/XX/2020, Someone representing Bonneville Billing and Collections showed up to my work to serve me papers on a repossessed car. 

I was called down to the lobby over the inter com system. When I got to the lobby, the receptionist looked really uncomfortable and pointed at the person that had shown up. I asked him to go outside with me so that it wouldn't be in front of people I work with. We started walking tword the door and he said that he was there to serve me papers on a dept that was in collections in front of people I work with before we made it to the door.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain items on my credit report, which remain unverified despite several attempts to resolve the issue. These items have been inaccurately reported, yet they continue to appear as " accurate '' without any valid proof from the vendors involved. I demand that these items be removed immediately, as required by federal law. A copy of this letter has been sent to the Consumer Financial Protection Bureau ( CFPB ) Report Number XXXX for further review. 
Account Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 12 CFR 1006.34 and 15 U.S. Code 1692 ( c ) , I am entitled to have any debt or credit obligation verified, including the requirement that the creditor provide sufficient documentation of my signature or other binding proof that I have entered into the alleged agreement. To date, neither the credit bureau nor the reporting vendors have provided this documentation, which is a violation of my rights.

Additionally, 15 U.S. Code 1681g gives me the right to access all the information being reported about me and to receive an explanation of the sources and details of this data. Despite multiple requests, I have not been provided with such documentation for the disputed items, which further supports my claim that these items are not valid.

The continued reporting of these unverified and incorrect items on my credit report has caused significant financial and emotional distress. These errors have negatively affected my credit score, harmed my ability to secure financial services, and caused unnecessary stress in my life. These items must be removed immediately to prevent further damage.

I am requesting the following actions : 1. The immediate removal of the unverified and inaccurate items from my credit report.

2. A written confirmation of the removal within 30 days of receipt of this letter.

3. A thorough review of your procedures to ensure future compliance with federal laws governing credit reporting.

Should you fail to take the necessary action, I am prepared to pursue further legal remedies, including enforcement through the CFPB, to protect my rights.

I appreciate your prompt attention to this matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending written letters to Experian about the errors that I am seeing on my Credit report. However, I am not seeing any changes, improvements, or corrections on my reports. They kept reporting a lot of inaccurate information in my credit report which is no longer acceptable. Aside from that, Experian and the furnishers have failed to notify me about the issues. Thus, they were not able to meet the requirement of the FCRA which demands them to provide a XXXX percent accuracy on the report and should they provide significant and legal documents to affirm their remarks. Below are the list of the items I have been concerned on : XXXX. XXXX XXXX XXXX Balance {$830.00} XXXX. XXXX XXXX XXXX {$0.00} XXXX. XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX {$420.00} XXXX. XXXXXXXX XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance {$1200.00} XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. TXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX ( Original creditor : XXXXXXXX XXXX ) XXXX Balance {$1100.00}
Product: Payday loan, title loan, or personal loan

Security finance in XXXX al. Has called me 3different times today from 3different numbers. Within 5 minutes period which is creditor harassment. Even used personal cellphones an company numbers. I told them i am filing bankruptcy stop calling me. They continue to call after i have contacted a lawyer. This violates the cfpb laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by a mortgage lender that a error was shown when trying to pull my credit report from Equifax. This error mentioned the information has been identified as fraudulent. I and the bank attempted to call Equifax to identify the source of this error and get it removed. Equifax through its verification process could not locate my file within their system even with my name, social security, and number. The representative admitted that I was not in their system. The representative could not answer how it was possible that my report was flagged with an error if my file could not be located. Equifax refused to connect me with someone with more knowledge on the details of the error. My lender can not proceed because the error was flagged as fraud could not proceed with my lending process. Equifax defaulted to placing a fraudulent error on my information when it was attempted to be pull by my bank which then proceed in me not being able to receive a loan. My was told that the credit report is an official document that the bank can not ignore when it flags as fraudulent, but Equifax wrongly flagged my information when it was attempted to be pull as thus is not acting in its official duty as credit monitoring and reporting agency.
Product: Debt collection

Debt collector knew by the name XXXX XXXX. XXXX, phone number XXXX, has attempted to communicate via telephone repeatedly at unusual and inconvenient times as outlined under Code of Federal Regulation ( CFR ) Title 12, chapter 10 subpart B subsection 1006.6 ( b ) ( 1 ) ( i ) ( ii ) and FDCPA subsection 805 ( a ) ( 1 ). I have no business with XXXX XXXX. XXXX  directly or indirectly which makes them a third party. XXXX XXXX. XXXX  's unwanted communication with me is a violation of 12 CFR 1006.6 ( d ) ( 1 ) and 12 CFR 1006.10 ( a ) ( 1 ) because I never gave XXXX XXXX XXXX my location information or permission to contact me. These are also violations of the FDCPA subsection 804 & 806 ( 5 ) respectively as well as 12 CFR 1006.14 ( a ), ( b ) ( 1 ), ( 2 ) ( i ) ( ii )
Product: Mortgage

We financed our thru American Financing in XX/XX/XXXX it has now been 8 months and we still DO NOT SHOW on our CREDIT report that we own a home? AF has lied even though they have been paid on a monthly basis and we are ahead on our mortgage. But they have failed to report our credit status, have lied to us for over 6 months. We have emaled, called trying to remedy their issue with not reporting to credit bureaus. Been told internal error, they selling our loan outside parties, other companies handling, but what it comes down to is that we show NO home loan, no credit history on our loan. Our last communication was XX/XX/XXXX AF is now saying it will not be until XX/XX/XXXX when they can make this issue go away. Last but not lease they indicated to me that I could call the credit bureaus myself to accounts added? What kind of low life says that? 

We attempted to purchase & take out loan for new business were denied for we can not show that we own a home, have no stability as home owners. This company has done nothing but damage our credit status. 

Amercian Financing is a fraud, after several attempt to resolve this issue we had no choice other than to start filing complaints. We want action immediatley please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filed a complaint about Equifax not reporting my positive credit. Now I am asking them to remove the fraud alert I never requested.. I have sent in my Drivers License and Social Security Car and proof of Address. They have ignored me and refuse to complete my disputes. I have a utilization of 92 percent which is inaccurate. I have called many times and they are clueless.
Product: Money transfer, virtual currency, or money service

Subject : Data Deletion Request and Issue Adding Money to My Account Dear PayPal Support Team, I am writing to request the deletion of my personal and financial data, particularly any data associated with the XXXX  Services Addendum. 

I have been trying to add money to my PayPal account, but I have been unable to do so. I believe this issue may be connected to how my data is being handled under the XXXX XXXX. As a consumer, I am exercising my rights under applicable data protection laws and your XXXX XXXX policies to request the deletion of all my personal data stored with PayPal or shared with any associated merchants. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Back in late XXXX my check book and purse were compromised so I had to close my checking account. So I called Net Credit and told them I needed to change my checking account information with same bank but different account. She said I couldn't change the information over the phone but to email XXXX and they can change the account information. She said send a copy of a new check. So I initially emailed them on XX/XX/XXXX with a pic of the check from my phone. Unfortunately my phone used my XXXX email which isn't associated with my account for Net Credit. I was asked to resend the information from the email associated with the account. So I did that. My next response was that they needed a " voided '' check in order to change the account. So I resent a voided check. Then the response was to send my ID because my name on the check didn't match the name on the account. So I did that. Then I get an email confirming the account information and responded with " I approve '' according to the directions. The next response was we can't change this account because there is a pending payment. I knew the payment wouldn't go through but they initiated it a day early. So I never heard back except that my loan is now delinquent which I was trying to prevent. I have sent several emails asking them to change the account with requested pictures ( previously sent ) as they requested. I have called and can now not get through to a person. I'm told the wait is 4-6 minutes but I've tried three times as of today to no avail. The account is still not changed online as of today, and they are initiating yet another payment on XX/XX/XXXX which isn't going to clear. I'm extremely frustrated with the lack of communication from this company, and what appears to be " stall '' tactics so they can charge me late fees and even higher interest. There is no option to make a payment online with a debit card or to edit your banking information.
Product: Debt collection

I have not supplied under the doctorine of estoppel silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

According to FCRA Section 605B its illegal to put anything on my credit report without my permission. Please remove this negative item. Thank You
Product: Debt collection

I received a letter from " leviton Law Firm '' for a debt of {$100.00} that is clearly not mine. It says it is for " XXXX XXXX XXXX '' case # XXXX. This is not my debt, I have never been a service provided or previous debt collection attempt. I believe this is a scam.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

All information is incorrect, and should not be reporting on my credit report. These items should be deleted from my credit report.
Product: Debt collection

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a XXXX  job, I find myself unable to advance any further. As one of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXX XXXX XXXX with a full-time job has added the role of a full-time XXXX XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Product: Credit card or prepaid card

I have a Mastercard credit card that has rental car protection as benefit. I traveled to XXXX and XXXX XXXX and rented a car. The car upon return had a minor damage for which I was charged {$150.00} extra by XXXX XXXX XXXX. 

I filed claimed to Mastercard on XX/XX/XXXX and sent them with all the required documents. 

I have been following up since last 4 months and every time I call the Mastercard claim department, I get to hear that they are working on the claim. 

The last call I made was on XXXX XX/XX/XXXX and I was told that the claim was expedited and I would hear back in 24-48 hours.

This period of 48 hours is also passed and I did not hear anything from Mastercard in email or phone.

With no options, I would like to file a complaint against Mastercard for not providing the service they have offered while signing up for this Credit Card. 

I can provide more information upon request.