23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collection agency is reporting a debt that I am not liable for. When I requested information in the form of the signed lease and the collection assignment agreement. The collection agency responded they did not have any of that information, but continue to report this debt as mine. I in return requested the debt be removed from my credit report since I have never resided in that apartment or the state the apartment is located in.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC System, Inc., a third part debt collector, is reporting a collection account for XXXX in the amount of {$390.00}. The state of Texas requires debt collectors to be bonded. IC System, Inc. does not possess an active bond in the state of Texas and therefore does not have the legal authority to collect debts in Texas, or report those debts to Credit Reporting Agencies. 

Accordingly, I demand that IC System, Inc. immediately cease all attempts to collect this debt from me, as well as delete the account with both XXXX and XXXX. 

Per the Texas Secretary of State 's website, Debt Collector Search tool, IC System Inc. 's surety bond in Texas was cancelled XX/XX/2004.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX  XXXX XXXX
Product: Checking or savings account

My son ( of which I am a signer on the account ) had two fraudulent checks deposited into his account. The money was subsequently taken out by an unknown person. The bank initially froze all of our bank accounts ( without us knowing ). Since that point, they have not refunded the moneys that were withdrawn nor have they allowed us any access to the accounts. Now they have presented us with a bill of {$800.00} dollars for some unknown reason. Chase Bank has been absolutely no help in either explaining the transaction nor have they been forthcoming as to why he owes more money now. He is out {$1300.00} for a transaction he knows nothing about. What is upsetting about this is that the bank will not help us at all. I have contacted a detective to try and access the video but have had no success.
Product: Mortgage

I have a mortgage with NationStar ( they recently purchased the loan from XXXX XXXX XXXX on XXXX XXXX, 2017 ) and the have been making extra charges on my checking account ( XXXX XXXX XXXX XXXX ) multiple times per month. I called to try to get them to stop and they, first, told me that they had no records of the charges, then after some persistence they finally admitted to seeing the charges. When I asked the to stop the charges they said they could n't. I eventually closed my checking account and opened a new one, but have n't made a payment since ( giving them my checking acct number is the only option to pay they will give me ) because I do n't want them to start trying to steal any money from that account. I checked my account history today and they erased those charges, but I took screen shots of the fraudulent charges they had posted in previous months. The amounts were : {$2300.00} on XXXX XXXX, 2017-XXXX2017-XXXX2017 & XXXX/XXXX/2017 {$2300.00} on XXXX/XXXX/2017 {$1500.00} on XXXX/XXXX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed complaint after complaint regarding TRANSUNION and its actually going on approximately a year without resolution and I can only see hiring an attorney in my near future. The last complaint filed returned a response to mail in ( mailing address included ) verification of my identity to UNFREEZE MY CREDIT ACCOUNT!!!!! I sent them 15! Pages of documentation proving my identity to stated address and Once Again, TRANSUNION just sent me a copy of my credit report! WHAT IS WRONG HERE? Next stop for TRANSUNION is to reimburse me for attorneys fees!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing in regard to a collection account that has been reported on my credit report. The account in question is with P & B Capital LLC ( third-party agency ) is being reported as past due and open. However, I believe that this information is inaccurate and should be immediately deleted from my credit report.

I have reviewed my records and have found that I am not responsible for the debt I am being accused of. Therefore, the current status of the account is not accurate and is causing harm to my credit score and ability to obtain credit.

I am requesting that the inaccurate information regarding this collection account be immediately deleted from my credit report. I am also requesting that you provide me with a written confirmation that the account has been deleted and is no longer being reported to other credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), collection agencies are required to report accurate and up-to-date information to credit reporting agencies ( CRAs ). If a collection agency reports inaccurate information, such as reporting a collection debt as open and past due when it has actually been paid or settled, they may be in violation of the FCRA.

Specifically, section 623 ( a ) ( 1 ) ( A ) of the FCRA requires that furnishers of information to CRAs, such as collection agencies, must provide information that is " complete and accurate. '' This includes reporting the correct account status and balance information.

Additionally, section 623 ( a ) ( 2 ) of the FCRA requires that furnishers of information, including collection agencies, investigate disputes that are submitted to them by CRAs and correct any inaccurate information.

I understand that the Fair Credit Reporting Act requires that you investigate disputes within 30 days of receipt and correct any inaccurate information. I would appreciate your prompt attention to this matter, as it is causing me undue stress and financial harm. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX [ Your Name ]
Product: Vehicle loan or lease

Wells fargo constantly makes me change my password login which makes it difficult to login to pay my loan, they also misapply my payments, I've paid a lot more on this loan than they try to give me credit for. I missed my payday by 2 days and now they want me to pay them {$27000.00} in one lump sum or they say they'll repossess my vehicle.
Product: Mortgage

I took a interest only loan on my house for {$310000.00} agreeing to {$2500.00} per month. Three months into the loan it was sold to BSI Financial Services and there was no problems until XXXX, when I attempted to make my XXXX Payment the person I spoke with in customer service said " your loan in under a periodic review by the federal government '' because of this we are unable to take your payment at this time call back next week. After 3 weeks of this customer service finally said " just mail a check '' so I sent them a check for 2 months of payment, yes a paper check. The company sent me a statement XXXX for {$9000.00}. What I didn't realize till it was too late that the company was stalling in order to charge excessive fees, charges and anything else they can. They intentionally stalled me for a month saying it was the Federal Governments fault for auditing my account and therefore I have thousands of dollars in late fees. I have made several attempts to contact the company, results vary from them " graciously '' refunding 1 of the 17 or so different fees ( I can't sort them all out ) to them hanging up on me after 9-12 minutes.
Product: Debt collection

Ive contact the law enforcement agency and filed a report and affidavit. They claim the identity theft report is valid. And lastly, I contacted the credit reporting agencies. Both XXXX and XXXX have removed the accounts per legal requirement. But for some weird reason Experian feels Im not following all the steps. 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with Experian for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid.
Product: Debt collection

XXXX XXXX XXXX has reported a debt of {$2600.00} on my account I have sent out a 609 debt validation letter to the company and they have refused to show valid proof of a signed document I have with them validating the debt and as such it has to be deleted with immediate effect or your company Transunion risks me suing them for not following the law.

A copy of 609 letter has also been sent to Transunion office as a physical letter over 2 weeks ago and the collection is still showing as of today.

Please delete within the next 2 weeks and send me an update via mail on the deleted collections
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, inquired on XX/XX/2022 Business type : Bank Credit Cards In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I dispute this Collections account with Equifax fours Times over past 6 months, I reported this account a to the credit bureaus this account was deleted from XXXX and XXXX   however it remained on my Equifax credit report. I have attached all four disputes and I have attached Letter from XXXX saying that they sent a request to the credit bureaus deleting this account. I have exhausted all my options to dispute this file with Equifax but they refuse to delete this account from my credit report. This account was some how deleted on XX/XX/2019 then added back again to my account XX/XX/2019 and every time I call and talk to Equifax Costumer Service they have no knowledge that this was ever done which is an understatement to me because it is reporting on my credit report which is attached for those dates and secondly reporting on a third party website XXXX XXXX. Next I sent in this dispute by mail and Equifax responded that they where unable to find my account which is also attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applied for a loan and I found two accounts I never open those two accounts are fraudulent accounts I lost my documents and some one has a copy of my personal information and that person used and open accounts under my name.
Product: Bank account or service

I made the mistake of pre scheduling a bill to be paid of XXXX to XXXX XXXX via on line pay through my virtual wallet months ago. I scheduled this bill to be paid when I was still a customer of XXXX. I paid this bill when I no longer had the service and had been a customer of XXXX for months. This payment of XXXX caused me to go into overdraft ; I was then charged XXXX payments totally XXXX. XXXX XXXX charge was for a payment made to XXXX for XXXX. I had enough to cover this bill, but did not have enough to cover my car insurance. Both would have been covered without penalty if I had not made the mistake of paying XXXX XXXX. 
{$70.00} is A lot to my family and I. We can not afford XXXX. My income is beyond tight. I am begging PNC to please review my account, acknowledge I am not XXXX to go into overdraft, and if not for the mistake of paying XXXX to XXXX, I would not have going into overdraft. I spoke with a CSR and she stated she was unable to reverse the overdraft fee because XXXX was forgiven in the past. Again, I ask that you review my account and acknowledge that I have been beyond attentive, and avoided over drafts. Due to this XXXX mistake of a pre scheduled bill payment for a service I no longer have, I am now forced to pay XXXX which is food for my family and I. XXXX XXXX stated they are refunding the sum of XXXX via pre paid card.
Product: Debt collection

Astra has started to call again after I had filed a complaint and had a cease and desist order in place. The company is still making threats of taking legal actions against me. They're still calling my family, friends and my job making the same threats about me to them as well.
Product: Debt collection

This debt keep showing up on all y reports o have not been to this place emergency room or used the service I'm a veteran under v. A. They would pay any medical debt I carry this insurance and I would only go to a v. A. Hospital
Product: Debt collection

Received out of state Emergency Care on XX/XX/XXXX in NC XXXX XXXX XXXX XXXX XXXX for a service-connected XXXX, I am a Veteran of the United States XXXX XXXX I was admitted to the hospital following transport. Address for XXXX XXXX XXXX per statement is XXXX XXXX XXXX, NC XXXX To date, I have received numerous phones and collection notices from Applied Business Services ( ABS ), Inc. XXXX XXXX XXXX XXXX, NC XXXX XXXX. 
The collection billed amount is {$580.00} for Date of service XXXX. 

I have contacted both the collection agency AND the billing Provider ( XXXX XXXX XXXX XXXX ). My insurance carrier has also contacted XXXX XXXX XXXX XXXX due to the following : Dates of service filed to insurance company are XX/XX/XXXX in the amount of {$570.00} and {$27.00}. the claim DENIED as " no dependent coverage ''. 
I am the only subscriber for this policy. Additionally, these are NOT the dates of service i was transported. Nor is there an inpatient claim for these dates of service.
Product: Payday loan, title loan, personal loan, or advance loan

Cash1 loans took out a double payment making my checking account negative and they refused to correct it or refund me. Was told that only one payment would be processed and they proceeded to charge me twice and have little to no help from them.
Product: Checking or savings account

On XX/XX/XXXX of XXXX I was contacted by Capitol One protection department about a wire transfer I sent out. I let them now that it was sent by me and that it was sent to my fiance. The representative told me that this individual was not my fiance and that they were going to investigate the matter. I informed her that this was her personal opinion to which she let me know that they were going to close my account and not do business with me. My account had over {$24000.00} in it. I also had XXXX other accounts to which she closed also on XX/XX/XXXX. I got the email about my XXXX XXXX XXXX and XXXX savings being closed but they still have not closed my business account which has the {$24000.00}. I have called multiple days each week and have gotten the generic answer that they don't know how long it will take to finish up closing the account. They have not found any fraudulent activity but its a risk for the bank. This is why they closed my account. I can't have the investigator contact information.They will not give me a time frame. I just keep getting the run around. I see why capital one has a poor review and many class action lawsuits against them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of information contained in my credit report as provided by Equifax. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate the following unauthorized credit card account : I have never applied for or authorized the opening of this credit card account. I want to make it clear that I have never signed or applied for this account. As such, I request that you provide me with documented proof of the signature associated with this account. This proof may include, but is not limited to, a signed application form, a copy of the original contract or agreement, or any other documentation bearing my signature. Furthermore, the reported dates of last reporting and active status for this account are inaccurate. I request a thorough investigation into these discrepancies. This is fraudulent activity Creditor Name : XXXX
Product: Credit reporting or other personal consumer reports

These accounts are reporting inaccurate and incorrect information on my credit report. 
This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX This account has been paid correctly and has never been in late payment. 
This account is presenting incorrect and inaccurate information on alleged XXXX  days past due payments. 
This account is reporting incorrect information as the correct balance is XXXX. 
Please note that you have XXXX  days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
Please immediately remove these XXXX delinquencies from my credit report as required by the Fair Credit Reporting Act. 
This account is duplicated on my credit report, please remove from my credit report. 

XXXX ) The following account must be removed from my credit report. 
Account name : XXXX XXXX Account number : XXXX This account has been paid correctly and has never been in late payment. 
This account is reporting incorrect information as the correct balance is XXXX. 
Please note that you have XXXX  days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
Please immediately remove these XXXX delinquencies from my credit report as required by the Fair Credit Reporting Act. 
This account is duplicated on my credit report, please remove from my credit report. 

XXXX ) The following fraudulent account must be removed from my credit report. 
Account name : XXXX Account number : XXXX This account has been paid correctly and has never been in late payment. 
This account is reporting incorrect information as the correct balance is XXXX. 
Please note that you have XXXX  days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
Please immediately remove these XXXX delinquencies from my credit report as required by the Fair Credit Reporting Act. 
This account is duplicated on my credit report, please remove from my credit report.
Product: Student loan

Discover purchased my private student loan from XXXX, and refuses to acknowledge a {$20000.00} deposit made on the principal balance inside the XXXX VA XXXX branch, made in person, on XXXX XXXX 2008. Discover has no record of that deposit, and is blaming XXXX. Except XXXX is claiming that they do in fact have record of the deposit and claim all of that information was given to Discover.
Product: Credit card

I, XXXX XXXX, the consumer and natural person, was denied credit by Discover when I applied for a Discover XXXX XXXX XXXX. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
XXXX XXXX is subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Discover due to the response I received. Discover is in violation of 15 U.S. Code 1642, U.S.C 1681m AND 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.