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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There were several attempts to contact the credit collection company via telephone. The telephone number listed under the credit company 's name was not in service which raised my concerns that it may be of a fraudulent nature.
Product: Debt collection

I have sent several letters to Credit Acceptance in regards to this loan, its not mine. They have not responded or acknowledged my concerns.
Product: Debt collection

As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC ( Beneficial ) and XXXX XXXX XXXX, XXXX ( XXXX ) continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of HSBC and XXXX. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by HSBC and/or XXXX or affiliates and/or associates for any debts claimed by these untrustworthy entities. ( including but not limited to, HSBC, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was informed that XXXX  Credit Reporting had lower my credit score by 105 points, Because, I had returned a vehicle to a Buy here Pay Here company and the company took the vehicle back, and closed out the loan and, I owned any other payments because the vehicle had a lot of problems, So I want to complain about Transunion taking such a drastic action over a closed account that, That was the only option the car place had was to close the loan out, I had the vehicle over a year no missed or late payments etc now because I no longer have the vehicle I am punished for it by having my credit score lower a LOT!! 
I feel it is an abuse of their tryant authority,
Product: Mortgage

So I filed a complaint before and the letter I got back stated that all forclouser actions have been stoped at that I was added to the loans in XX/XX/2020 then when I call and talk to someone they tell me that I'm not on the loan so they are not going to help me and not are they going to let anyone else help me after I got the letter back on here from them I sent that to a company that has been trying to help me with my loan chase told them that I'm not on the loan so they will not let them help with it and told them not to call back so they pull my leg on here and make it sound good but when I call I get no help cotradicks the letter they sent on here so I might have to get an attorney to help because they said to that they are moving forward with the fouclouser and on here they said all forclouser actions are stoped Wich is untrue I can't ever get the same answer from different people at chase
Product: Credit reporting or other personal consumer reports

I am writing to follow up a complaint regarding the persistent and unresolved issue of fraudulent items on my credit report, despite my numerous attempts to rectify the situation. This letter marks my 30th attempt to address and resolve the matter, reflecting my ongoing frustration and the significant distress this issue has caused me. 
Despite my repeated efforts and adherence to all required procedures, the fraudulent items have not been removed, adversely affecting my credit score and causing undue stress and inconvenience. I request immediate action to investigate and permanently remove the fraudulent items from my credit report. Additionally, I seek a confirmation letter stating the removal of these items and the rectification of my credit report. I expect a prompt and thorough resolution to this matter and a written confirmation. Kindly help me remove the following items immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$680.00} ; XXXXXXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX.
Product: Checking or savings account

The Bank is " American Express Business Bank '' They received a wire from a client of mine directing to me. First and agent told me that I'd be able to receive the wire without an issue even if it's international. Once they sent it and it never arrived I reached out and they said that Amex can't receive international wires because they don't participate in the swift program so by default the wire couldn't be credited to me so they sent it back. 

That was on XX/XX/23 both the receipt and the refusal from Amex. It is now XX/XX/23 and I have imad numbers from the transaction being sent. But now it's been on hold with the intermediary bank and they have yet to release the funds to the original sending account in the XXXX. When I call XXXX XXXX XXXX which is the intermediary bank they said because I'm not a client I cant tell me the wire info. 

I've called the wire department at the intermediary bank with the wire department at American Express and they said to have Amex send a swift message but Amex does not have swift capabilities so they sent out a secure message which I also have an imad number for but XXXX XXXX XXXXXXXX is not responding. If this money doesn't get back to my clients I will lose their contract due to associated negligence on my part albeit not my fault
Product: Debt collection

Brown & Joesph is Pursuing and alleged collection for a XXXX XXXX   XXXX-XXXX  for an original Balance ( allegedly owed ) for {$130.00}. 

We have disputed the alleged debt for {$130.00} about 5 times ( with Proof ) and Brown & Joseph is sending collection notices on a Debt that is not owed for {$130.00} plus their fee. 

Below and Attached is our Dispute letter that XXXX received from me 3 times, in XXXX, XXXX and XX/XX/2019 with proof including a Copy of the Refund check and the email explaining that our Refund on a Pre-paid shipment in XXXX for {$130.00} was being mailed. 

XX/XX/2019 XX/XX/XXXX, XXXX We sent this letter to XXXX twice and they ignored it. 
And XX/XX/2019 From- XXXX  , XXXX XXXX XXXX, XXXX , VA XXXX TO : XXXX XXXX BILLING RE : XXXX  XXXX Your billing system is sending us an invoice for the - {$130.00} refund check that you elected to repay us for the service failures at the delivery. 

The attached alleged invoice for the same amount, {$130.00} is therefore disputed as not owed. 

Thank you for your help. 

- XXXX XXXX ( XXXX  )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding XXXX late payments reported byXXXX XXXX my credit account. 
A Credit Card under my name XXXX XXXX account open since XX/XX/year>, # XXXX with excellent management. I have maintained a consistent history of timely payments for several years. However, XXXX XXXX reported a late payment related to anannual fee chargewithout making anynormal attempt to notify me through the multiple communication methods they have available, including text message, phone call, or letter. This failure to communicate directly resulted in an unfair negative impact on my credit report. 
Under15 USC 1681iof the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information on my credit report. Additionally, under15 USC 1681s-2 ( a ), data furnishers are required to ensure the accuracy and completeness of the information they report. The reported information must be corrected or removed if it can not be verified. Furthermore, under15 USC 1666, the Fair Credit Billing Act grants me the right to dispute billing errors, including charges that were unfairly reported without proper notice. 15 USC 1666b : Requires creditors to provide clear and timely statements before reporting a late payment. XXXX XXXX failed to do so in this case. 
Given that this situation has negatively affected my credit score, I request a thorough investigation into these late payment entries. If XXXX XXXX can not provide verifiable proof that they properly notified me and that the reporting was accurate, I formally request that these late payments beremoved from my credit report immediately. 
Please find attached relevant supporting documents for your review. I expect a written response within30 days, as required by law. 
Thank you for your prompt attention to this matter. I look forward to resolving this issue amicably. 
Sincerely, XXXX XXXX
Product: Debt collection

The company name is Portfolio Recovery, I answered the call many times and spend hours explaining the problem I had with the original creditor. 
The accounts they purchased from my original creditors were reported as identity theft, and also a police report was provided multiple times. For years this company is calling me for this accounts. The accounts had fraudulent charges but the original creditors sold the accounts without farther investigation. They stated at the time that I did not send the information in time, but I have proof that I sent all the paperwork needed. All this information was explained to this collection company but they keep sending me the same information, ( this account was yours ). Yes the account was my but the charges were not. They just keep trying to get pay for a debts that were reported as Fraudulent. 
I did everything at the time, reported to the banks that holder my accounts, reported to the credit Bureaus and to the police, and I even put a credit alert on my Social Security. 
This company is filling me for years and years, every time I block the number they called from a different one. I have over 50 numbers already in my contact list that are blocked. I dont know what else I can do to stop this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts are keeping me from refinancing my home, and many other things I am trying to do, these accounts do not belong to me and I have tried very hard to get these companies to fix this on my report because it is not mine, but they haven't removed this inaccurate information as of yet. 

XXXX XXXX Opened XX/XX/XXXX {$680.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$670.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$580.00} Account # XXXX UNSECURED XXXX   XXXX Opened XX/XX/XXXX Balance {$500.00} Account # XXXX XXXX COLLECTION AGEN Opened XX/XX/XXXX Balance {$380.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX UNSECURED COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX BCOLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} XXXX Account # XXXX TBOM/MILSTNE Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$1400.00} Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request for deletion of a disputed item. I have attempted to have this alleged debt verified by the alleged creditor and collection agency to no avail. I am respectfully requesting the collection agency do what is legally mandated by the FCRA and FDCPA, and delete the following account listing in Identity Theft I previously sent a demand for validation from me and they have failed to provide any proof or respond in any way. I sent a second letter. Again, I have received no response. I sent yet another letter. Again, I received no response. The FDCPA states that collection activity must cease until they have produced verification of the alleged debt if so requested. 

As per the FTC, this includes reporting to the credit bureaus, which they obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or they would have provided it in the previous months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors report showing the item as in dispute. Again, this was not done. Another violation of the FDCPA. 
As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. The FCRA also states that the credit reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done. I am requesting that the entry be deleted in its entirety since there is no proof of its existence.
Product: Debt collection

I was contacted via telephone for an invalid debt on XXXX XXXX, 2015. I spoke to XXXX I provided my new mailing address and requested a letter. I knew the debt she was speaking of was invalid and told her this. I also provided my email. I knew I needed their information in order to dispute the debt. I never got any letter and they called me again. I explained I need to see a letter. I will dispute this debt I can prove it is invalid. Now suddenly on XXXX XXXX, 2015 I see it was reported to credit reporting agencies. I contacted them to remove this since it is not accurate and I never received a letter and in NY it is my right to get a letter to dispute. She said it is too late and they can not remove it. I said that is illegal I do n't even know who you are. She transferred me to a supervisor who also said too bad they will not remove it. She wanted me to make arrangements to pay. I said no this debt is invalid and I can prove it. I explained I have been working on my credit and on time payments and this collection will destroy what I built. Again she did n't care. I said I am going to file a complaint. They are illegally reporting false information about me and did not give me the opportunity to dispute this. I know it is my legal right and I need to complain so they ca n't do this to others. This is unfair and it cost me over {$1500.00} more in interest for a new loan I was waiting to receive. This is not fair and I needed to report this unfair activity. Please help me resolve this.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I received a Final Dispute Resolution and Updated Credit Report from Equifax confirming that the XXXX XXXX Account # XXXX was deleted from my credit file via Confirmation Number XXXX. I previously submitted an FTC Identity Theft Affidavit, Police Report, Letter and Proof of my Identity to Equifax via Certified Mail and requested an Identity Theft Block of this information in XXXX and XXXX under FCRA 605B. Equifax didn't comply with the block and initiated a dispute which I didn't request which was finalized on XX/XX/2024. In XX/XX/2024 Equifax violated FCRA and reinserted the previously deleted XXXX XXXX Account on my Equifax Credit File with no notice and violated 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) in which I am requesting payment of {$1000.00} as well as the block/removal of the XXXX XXXXXXXX credit listing that was previously deleted on XX/XX/2024 and reinserted in XX/XX/2024. I am not requesting any opening of disputes as this prevents me from having access to my credit file. I am NOT requesting any blocks or fraud alerts or freezes to my credit file or any retaliation from Equifax preventing access to my credit file as I need ongoing access to monitor my credit. The XXXX XXXXXXXX XXXX Account has been in an dispute status for 60+ days with Equifax online as this has prevented me from uploading any documents to this account online and a superviser opened a dispute for the reinserted XXXX XXXXXXXX account although the account was previously deleted with no notice from Equifax for reinsertion. I spoke with a Supervisor by the name of XXXX with Employee ID XXXX who confirmed that the XXXX XXXXXXXX account was previously removed as a result of dispute in XX/XX/2024 and removed from my Equifax credit file. I have not received any correspondence from Equifax since XX/XX/2024.
Product: Student loan

I initially was making payments each month until I got an email saying to sign up for their auto payment method. I signed up for this through their email link and submitted my information. I hear nothing back and never get a late notice until one day I check XXXX XXXX and I have 4 delinquent and 4 late payment notices on my once perfect credit score.  I called them and explain my case even submitting a dispute and a letter sent to their office and no one can explain or help. This was a technical error on their end. I tried working with them and even set up auto pay again and called and confirmed. I just need it off my report because it is preventing me from getting credit cards and getting my loan for grad school.
Product: Consumer Loan

I was less than a week late for my car payment, it was repossessed without even a call to resolve first. When I called to see if it had been repossessed or stolen, I was told they would no longer do business with me and there was no possibility of getting my car back. Bridgecrest then told me I may or may not even be allowed to get my car seats back because it was n't my car anymore.
Product: Debt collection

I am disputing a {$25000.00} rental debt that was sent to collections NATIONAL CREDIT SYSTEM by XXXX XXXX at XXXX XXXX without proper notification or billing. The collection agency failed to notify me of this debt before reporting it to my credit, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Key Issues With This Debt I was never sent a final bill or breakdown of charges from XXXX XXXX at XXXX XXXX before this debt was placed in collections. 
The collection agency never sent me a notice of the debt within 5 days of reporting it to the credit bureaus, violating FDCPA regulations. 
My renters insurance company, XXXX XXXX, attempted to process a claim for pet damages, but XXXX XXXX never provided the required documentation. 
The insurance company followed up multiple times for a final bill, but XXXX XXXX never responded. 
Since XXXX XXXX failed to provide proper billing and the collection agency failed to notify me, this debt is unverified and should not have been reported to my credit. 
Steps I Have Taken I have contacted the collection agency requesting full validation of the debt, including a final bill and proof that I was notified before it was reported. 
I have contacted XXXX XXXX at XXXX XXXX, but they have not provided any proof of a final bill or why they failed to respond to my insurance company. 
My insurance company confirmed via email that they never received documentation, which suggests that XXXX XXXX never properly documented these charges. 

I was never sent a written notice of this debt before it appeared on my credit report. 
FDCPA 1692g requires debt collectors to notify consumers within 5 days of reporting a debt. This was never done. 
XXXX XXXX at XXXX XXXX never sent me a final bill or an itemized breakdown of charges before placing this in collections. 
My renters insurance company, XXXX XXXX, repeatedly requested documentation from XXXX XXXX, but they never provided it. 

FCRA & FDCPA Violations : The collection agency has failed to provide proof that I was properly billed before reporting this to XXXX. 
They are reporting an unverified debt that may include excessive or unnecessary charges. 
I was denied my right to dispute this debt before it impacted my credit.

Requested Resolution I request that this debt be removed from my credit report due to failure to provide proper notice and lack of documentation. 
I request that the CFPB investigate the collection agencys failure to notify me within the required time frame. 
If the debt is valid, I request a full itemized breakdown of charges and proof that I was billed before it was placed into collections. 

This false debt has damaged my credit and affected my ability to secure housing and financial opportunities. Since neither XXXX XXXX at XXXX XXXX nor NATIONAL CREDIT SYSTEM followed legal procedures, I am requesting that this debt be removed immediately.