23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran into trouble with my mortgage back in XXXX due to a job loss and the bank agreed to take the home back which assumed would hurt my credit and prevent me from buying for a period of three years. I explained to the bank that I was leaving the home and they asked that I fax a letter which I did. They came and took pictures, filed out paperwork, and I vacated the property and moved to Michigan. In fact, the bank pad locked the doors and we didn't have access to the home as of XXXX of XXXX. They are reporting late 's as of XXXX of this year which is preventing me from getting a mortgage. I tried reasoning with them and they won't communicate with me. They claim I didn't fax the hardship letter but I have proof and I faxed them the information. I have a fax from XX/XX/XXXX that they are stating they didn't receive. I tried calling their attorney and they stated I had to talk with the bank. I tried to dispute it with the credit bureaus and they responded to state that I was late in XXXX. How could I be late on a mortgage for a home I didn't own? They are rude when I call and that's only when they actually answered. My rights are being violated and they could easily fix their error but they refuse. They are stating that they couldn't reach me which is probably true because I left. However they should've know that because they padlocked the doors. Please help, thanks.
Product: Money transfer, virtual currency, or money service

The company questioned my residence and froze my account. They asked for ID and mail statement proofs of residency. I did, they never responded. This started XX/XX/year>. 
Since, I have opened new support cases every couple weeks or months. Same process every time, I send the same or different supporting documents, no answer, or sometimes they say my case is closed but I still don't have access to buy.
Product: Mortgage

Upon reviewing my mortgage documents I shockingly discovered another loan number and are inquiring. It says  Loan no .  XXXX    XXXX   XXXX   borrower   XXXX   XXXX   XXXX   XXXX  , mi  XXXX . dated  XX/XX/XXXX  &  XX/XX/XXXX    ID #  XXXX . THIS COUPON MUST ACCOMPANY PAYMENT of  XXXX  To ;  chase manhattan  mortgage corporation attn : financial process dept.     XXXX   XXXX   XXXX   XXXX  .     XXXX   XXXX  . Ca  XXXX  Please explain to th e CFBP.
Product: Credit reporting or other personal consumer reports

I am a victim oXXXX XXXX XXXX  of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

In XX/XX/XXXX, I was notified by the HR Department of my full-time employer that my pay would be garnished to satisfy a debt regarding paperwork filed by Lloyd & McDaniel on behalf of XXXXXXXX XXXX XXXX  The amount of {$280.00} was deducted twice per month during each pay period from XX/XX/XXXX to XX/XX/XXXX. The HR employee told me that the amount of the debt to be collected is {$4600.00}, which was the amount withheld from my paycheck over the 8 month period. I contacted the Payroll Department in XX/XX/XXXX as the garnishment was nearing completion to ensure that my normal pay would resume after XX/XX/XXXX. I was told that the debt would be satisfied at that time. After XX/XX/XXXX, my pay resumed and payroll records show that {$4600.00} was withheld from my paycheck and sent to Lloyd & McDaniel. I was thankful that this matter was resolved and relieved so that I can move on with my life. 

On Monday, XX/XX/XXXX, I received a letter from Lloyd & McDaniel indicating that they had sent the same writ of garnishment filed XX/XX/XXXX to a part-time employer. This writ of garnishment is the same as the one satisfied by payroll from my full time employer for {$4600.00}. It was filed less than one month after the debt had been paid by my payroll from the full-time employer. Additionally, Lloyd & McDaniel added interest fees to this writ of garnishment for {$260.00}. Lloyd & McDaniel have begun collecting money from my second employer, which is a part-time contract basis role. They collected {$130.00} on XX/XX/XXXX. This is clearly an overpayment as this debt was resolved in XX/XX/XXXX through my payroll from my full-time employer. 

I am greatly concerned that Lloyd & McDaniel are trying to collect more money than they are owed for a debt that has been paid as of XX/XX/XXXX. I am requesting that the writ of garnishment sent to the second employer be withdrawn and the employer be provided with instructions to discontinue withholding money from my paycheck. I have included the writ of garnishment filed on XX/XX/XXXX, which was sent to the second employer after the debt was paid in full to Lloyd & McDaniel in XX/XX/XXXX. I also want all overpayments immediately refunded to me.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX. I only owe {$360.00} with {$6000.00} credit limit. I make the payment every month in XXXX XXXX in the Mall. Today I came in to make my payment. I was told my card was invalid and they could n't make the payment. They said the credit account was transferred to XXXX XXXX. I was transferred to them and they no idea who I was. I called XXXX back and they have no idea who has my card and who I make the payment to. I am almost sure this is illegal and I am trapped on who to make the payment to and it is due in 5 days.
Product: Debt collection

I had a XXXX  account and I had an account with them for many years. When I realized back in 2019 that the company was adding features and other fees without my consent I decided to close my account. As time passed by I get a call from Credence resource management, who is the collecting agency for the original creditor XXXX XXXX. They basically was harrassing me to pay this outrages amount and the whole time I am saying I do not owe this money as it was already paid and closed. I till this day get calls. I recently disputed this agency with XXXX as it shouldnt be in my credit report. Although my dispute was just updated and not removed I put in another dispute today as it needs to be removed. I have called XXXX XXXX and no one cant help me because I need a passcode which I dont remember as it happened a few years ago. I am currently live also in another state and this happened when i lived in New york. I moved to care for my mom who is currently ill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct and update the following items : 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: Debt collection

This item was unlawfully placed on my account. I have requested that this be removed as this is no fault of my own. This was a covered procedure. I had the same exact treatment on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. The procedure was paid on the XXXX XXXX and XXXX XXXX, however the XXXX XXXX was not. Upon my investigation, I discovered that XXXX had provided and submitted the incorrect procedure code. I called several times to get that changed. I was told to call XXXX. When I called XXXX, they referred me back to the doctors office at XXXX. I even had a XXXX way call with XXXX and XXXX and XXXX refused to comply. They stated I signed a waiver where I understood I would be responsible for payment if XXXX did not pay. XXXX blames XXXX and even even wrote a letter to XXXX requesting payment. XXXX denied because all they were requesting was for XXXX to resubmit the correct code. XXXX even stated the dates of treatment did not match. 
I requested an appeal with XXXX on XXXX/XXXX/XXXX and another appeal on XXXX/XXXX/XXXX. I even requested the assistance of the State Of California Department of Insurance on XXXX XXXX, XXXX. I kept getting referred back and forth and have records and dates who I spoke to until XXXX stated they no longer can discuss my issue with me as they forwarded it to collections.
Product: Debt collection

So basically I checked my XXXX XXXX to get financed for a car and I found someone used my SSN that was not me and caused {$5300.00} in debt this was not me I live in XXXX XXXX and I called the collection agency and they said this was a problem and I had to make a police report. Now Im here honestly just want to get my credit score back and take this debt off Im not responsible for this so I feel I should have to pay my identity was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with SELF / XXXX  XXXX Balance XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Credit card or prepaid card

Below is a list of accounts and/or inquiries that we reviewed together and determined to be fraudulent : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX The automated system confirmed the XXXX XXXX Card application was received/denied. 

CHASE XXXX XXXX XXXX XX/XX/2022 XXXX XXXX confirmed the application for a XXXX XXXX card was flagged as fraudulent/denied. the hard credit inquiry will be removed within XXXX days XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX advised the card had been closed as fraudulent. None of your personal information was used, just your name and address
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have four inquiries from XXXX XXXX XXXX  that Im trying to get removed immediately. I reported my ID stolen early XXXX and Im still receiving inquiries also tickets in the mail. 
XXXX XXXX  hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 2025 XXXX XXXX XX/XX/year>2025 2025
Product: Debt collection

I checked my credit report today and found a collection item reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX.for a small balance medical debt. I called the phone number provided : XXXX and was greeted by a man named XXXX. He asked me for my SSN # to which I obliged. He immediately said " you owe $ XXXX, what is the card you would like to use? '' to which I responded : " is this call recorded '', XXXX answered, " no ''. I asked XXXX what is the debt for and he advised it was for a medical debt ; however, he did not say who the original creditor was. I provided my credit card number to XXXX and he ran the payment and gave me a confirmation #. I asked XXXX if he was a debt collector to which he replied yes, so I asked him why did he not state the original creditor name, to which he replied that he is not required to. I then asked XXXX for his last name and he replied that he does not want to provide his last name. I told him he is required to provide his full name, and he replied that he will not because his office services " local accounts ''. I proceeded to ask XXXX why he failed to read me my miranda rights as required by the FDCPA to which he angrily and loudly responded : " I 'm transferring you to my supervisor '' and he transferred me to a voicemail for a woman. I left a voicemail. 

XXXX violated the FDCPA multiple times during our interaction : 1 ) Section 807 - False or misleading representations. XXXX did not disclose that he was a debt collector collecting a debt. This is false representation and deceptive means to collect a debt. 

2 ) Section 807 - False or misleading representations. XXXX did not disclose that he is a debt collector, and that his communication was an attempt to collect a debt, and that information obtained would be used for that purpose. 

3 ) Section 807 - False or misleading representations. The company is reporting debt to the XXXX major Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) using the business name " Law Office of XXXX XXXX XXXX XXXX '' ; however, the company 's true entity name is " RESOURCE RECOVERY ''. Resource Recovery is not now, and has never been, an attorney or had the capacity to act in a way similar to an attorney. This is False and Misleading representation by definition and unfair collections practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the inquiries fromXX/XX/XXXX and XX/XX/XXXXare not from me. Somebody has been applying for things in my name. The only valid one is for XXXX XXXX. I had to place a fraud alert on my credit because somebody has my information.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA 605B ( 15 U.S.C section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft & fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of loans. XXXX with a balance of {$900.00}, XXXX  with a balance of {$5500.00}, & XXXX  with a balance of {$550.00}. The hard inquiries consist of XXXX, XXXXXXXX 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially submitted a complaint months ago to XXXX Credit Reporting Disputes, which all disputes were sent certified mail, and they failed to help resolve my issue. Therefore, I ended up sending a dispute letter to XXXX Presidential to further help solve this issue, and I have yet to receive a response or have the charge-off removed from my credit report. The main issue is that I requested debt validation from XXXX Credit Reporting Disputes months ago, which is past the 30 day response requirement, and they failed to send me ANY documentation. The documentation XXXX said they were going to mail to me was my credit card account statements. XXXX  continues to report a charge-off in the amount of {$35.00} on all three of my credit reports and that balance is in INCORRECT because I paid my XXXX credit card off in 2015!!!!!!!!!

The certified mail letter I sent to XXXX Presidential is attached below.

If you need any further information, such as my personal information or account number, please let me know. I REALLY would like this solved as soon as possible considering it has been an ONGOING issue since 2015!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDU XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was checking my credit report through XXXX XXXX, and found that an old account loan for my automobile purchased in XX/XX/XXXX from XXXX XXXX XXXX XXXX was showing that I owed an amount of {$990.00} toward the balance. However, the account was paid in full two years ago in XX/XX/XXXX, and I had received a release from the XXXX XXXX XXXX. I called the bank on XX/XX/XXXX, to discuss the issue, and the bank representative confirmed that they had mailed a release from the loan in XX/XX/XXXX, but I would have to make a " consumer complaint '' against them in order for the report to be corrected.
Product: Credit reporting or other personal consumer reports

I Have inquiries that I NEVER applied for on my credit report, They include, AMEX  on XX/XX/XXXX and XX/XX/XXXX, XXXX  XXXX XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX  XXXX on XXXX XXXX XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX-XXXX  on XX/XX/XXXX. These accounts should be removed IMMEDIATELY.