23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt collector continues to call and harass me about something that is not mines I have went through proper channels to clear this and it was clear and debt not valid Now they continuously keep re-aging the information and falsifying things to the credit bureau. Twice I had to point out to credit bureau what the are doing which is illegal and it gets removed but they try again and again Originally they posted XXXX Then XXXX Now XXXX Constantly creating a negative re aging illegal
Product: Debt collection

Commercial Acceptance Company based in XXXX XXXX, PA used aggressive tactics on the phone with me while I was disputing the medical claim submitted by an Ambulance company. She threatened to report my claim to the credit score company to damage my credit score and rating.

Unacceptable and very rude may to speak to a consumer and threatened them while the case is still being disputed. When I mentioned that even the Commercial Acceptance debt collection indicates that I have until XX/XX/2022 to respond to them, the representative did not care and said that she wants answers now. 

CAC debt collection company should be fined or warned that they should not be doing this to consumers especially relating to medical bills as there are lot of complicated issues with claims, insurance coverage and disputes. 

CFPB please investigate this organization, they should not be threatening anyone like that, especially people who are dealing with medical issues. 

CAC 's address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an Identity Theft Affidavit on XX/XX/2021 certified mail with green return receipt to XXXX, XXXX and Equifax. They received the affidavit based on the certified mail tracking number and failed to block information resulting from identity theft.

To my understanding under section 605B of the Fair Credit Reporting Act they must take 4 days after receiving the mail to block resulting from Identity Theft.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. THEY DO NOT HAVE MY WRITTEN CONSENT!
Product: Debt collection

I continue to receive calls from a company called Credit Control LLC which is claiming that I owe a debt, but on these calls Credit Control LLC wont say who the debt is from or what the debt is for. These calls started early this year and have continued to occur every other month. I have received no information in writing from the company. 

Furthermore, they are asking for personal identity information on their voicemail so I am concerned this is some type of identity theft scam. 

In reviewing my credit reports and contacting lenders/creditors, I have no record of any debts due or overdue, and no information from this company about what debt is due or what this is for. No adverse effect is noted in my credit reports or credit score so I am not sure what specifically they want, but the calls are becoming more harassing and frequent. Since I have received no written correspondence from the company or any creditor, I am concerned they are trying to scam me out of money or personal information.
Product: Credit reporting or other personal consumer reports

I checked my credit profile and came across inquiries that do not belong to me. On XX/XX/XXXX I checked my report and noticed the following inquiries on my report that i did not authorized. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to delete or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting a false XXXX XXXX  account on my credit report. Experian is showing something totally different. on XXXX and XXXX, this is reporting : XXXX XXXX XXXX XXXX XXXX Reported balance {$2400.00} Actual payment amount {$0.00} Date of last payment XX/XX/2023 Past due amount {$0.00} Account status Pays account as agreed Date reported XX/XX/2023 But on experian, the account is reporting as 30 days past due with a totally different balance, on the same exact account. I have submitted ftc id theft reports to XXXX and XXXX in the past to have this account removed from my credit report and they still leave the account on there. i have reported XXXX and XXXX to the north carolina department of justice as well because of this and now i am prepared to sue them both in court if this is not fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is very low XXXX. I have had several lenders look at it and they have no explanation on why it is so low. They tell me the data on my report does not represent a score in the XXXX. I have no late payments in the last 4 years. No collections, bankruptcy or public records. I want to know why my score is giving me a black eye.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

SECOND REQUEST I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, GA XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : XXXX - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED PLEASE REMOVE : XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have a Mortgage Loan with Wells Fargo and I have a Case number : XXXX Today XX/XX/XXXX I call XXXX XXXX XXXX ext XXXX to discuss the the status the case. 
He hi said that WFHM have not doing any illegal activity. 
I said to him that I have a Letter from WFHM posted XX/XX/XXXX, said that they recevied my Documents and they will have and anwer by XX/XX/XXXX for my Appeal. 
On XX/XX/XXXX WFHM send my Loan to Foreclose. 
I told him that in California under the Bill of Home Owners Right the Bank have to wait 30 days before they can send the case to Foreclose and WFHM did not wait only 17 days. 
He told me that WFHM does not need to wait 30 Days to send the case to Foreclose. 
Right now WFHM is doing a Loan Modification in my case when at the same time they have a Foreclose ACITVE in my file. 
I did explain that Dual Tracking is Illegal in California as well. 
Wells Fargo should respect the law and do not operate above the law. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts please delete ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of Ed/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1.XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. Us Sm Bus Admin Oda on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Money transfer, virtual currency, or money service

I have been close out of my cash app for a few years and I was never told why and was never able to make a new cash app
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX / 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 card

I purchased XXXX software  from XXXX  Received counterfeit software for my purchase. I showed proof that the software was counterfeit to CapitalOne and asked that they void this transaction and refund the {$300.00} that were charged on my credit card. CaptialOne claimed that they don't have control on that and closed the claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXXXXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXXXXXX  Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit card or prepaid card

My credit card was charged {$3000.00} for a downpayment on a Travel Trailer where the loan was not approved. I contacted Chase Bank  to dispute the charge on XX/XX/2020. The Vendor, XXXX XXXX   was able to secure a new loan, so I contacted Chase  to let them know the date I was supposed to pick it up and sign a new contract. They told me the original dispute could not be cancelled without an investigation and would stay open. The travel trailer was defective ( air conditioner didn't work, cabinets peeling, exterior  damage ), so we didn't sign a new contract on XX/XX/2020. I contacted Chase Bank again to let them know I did not sign a contract on XX/XX/2020. I also contacted them again on XX/XX/2020. They stated the dispute had to go through their investigation process. Instead, they cancelled the dispute and allowed the {$3000.00} to be charged to my credit card, based on my call on XX/XX/2020, but completely ignored the multiple calls I made subsequently. They closed the dispute without my knowledge. I never received a letter. In fact, they told me XXXX XXXX had the money and I have been trying to get it back from them since then. Chase Bank made me file a new dispute on XXXX XXXX and fax them the information in writing. I then received a letter on XXXX XXXX ( dated XXXX XXXX ) where they again closed the dispute. Upon contacting them by phone on XX/XX/XXXX after receiving my first letter from them, the representative stated XXXX XXXX had the {$3000.00}. I contacted Chase Bank Disputes on XX/XX/XXXX and requested to speak with a manager. The manager told me they closed the dispute, and also that XXXX XXXX did actually approve the dispute and they don't have the  {$3000.00} in their bank account as I was previously told by other Chase representatives, so the money went back to XXXX XXXX XXXX  Bank ( XXXX  XXXX XXXX ) and there is no remedy other than me paying {$3000.00} for something I didn't purchase and don't have a contract for. In the meantime, I have the {$3000.00} charged to my credit card account with late fees and interest. Chase Bank completely mishandled this dispute. There was no investigation that included me and my phone communications to them to resolve this issue went ignored. I first can't understand how XXXX XXXX could charge my credit card for a purchase that didn't have a signed contract or approved loan agreement for and how their bank ( XXXX  XXXX XXXX ) is allowed to keep the {$3000.00} without any remedy. The manager ( XXXX, Chase Bank  Disputes ) I talked to on XX/XX/2020 stated that is a fact. Up until this date, I had no idea the dispute wasn't handled, or that the money was permanently given to their bank ( XXXX XXXX XXXX ) and they are allowed to keep it.
Product: Consumer Loan

I took out a loan with summit financial for a vehicle about 1 year ago. I never get a bill from them and have occasionally been less than 30 days late with my payment. I have always paid less than 30 days late. In XXXX I continued to run a little bit behind so I took an option for a XXXX time deferrment for a fee to get back on track as I was getting closer to 30 days late. I made my XXXX payment on time and when I was going to make my payment in XXXX on the XXXX two weeks late, I instead received a knock on my door to serve me a notice of which I thought it was repossession. Upon calling and speaking to a XXXX XXXX who was highly abusive to me, I asked to speak to a supervisor and was passed to a XXXX XXXX who then proceeded to be even more abusive saying I was a collection manager and should be ashamed that my bill was 17 days late. In the past I have made several complaints about a collection agent XXXX XXXX who has made repeated calls to my job despite requests not to call me at work. In fact she made no less than XXXX calls in a 1 hour period to my job back in XXXX. I was assured she would not be rep back in XXXX and I thought all was well. However, she emailed me and apparently dispatched a door knocker, who I mistakenly took for a repo agent. XXXX, XXXX XXXX, and XXXX XXXX have little to no regard for the Fair Debt Collection act and have been at best abusive. I have spoken to excellent professionals at this company before but these XXXX individuals are out of control and I would like it to stop. I have been assured by XXXX XXXX who is the VP of collections that my issues will be addressed. He was reasonable and stated his company 's position about the collection activity which while I disagree with using door knockers now understand is an action they chose to take. What I do n't understand and based on the fact that I have made several verbal complaints about these collection practices in the past is that the abuses continued as long as they have. I am hopeful XXXX XXXX is addressing this but I felt the level of abuse to protect other consumers needed to be reported. I have had some pleasant interactions with this company including XXXX XXXX himself, they do have professional competent bill collectors working for them but these few individuals are so far out of control I could not keep silent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not mine. Separate from that, the account number doesn't match. It's likely due to all of them being fraudulent and I'd like them removed please.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I have written to the company Extra before about the inaccurate information on my consumer report along with an FTC report. i was told they investigated this and everything was accurate. 

in pursuant to 15 usc 1681e An " Investigative consumer report '' refers to a consumer complaint or part thereof where details concerning a consumer 's character, general reputation, personal traits, or lifestyle are gathered through personal interviews with neighbors, acquaintances, friends, or other individuals familiar with the consumer in question. This definition, however, excludes precise factual data regarding a consumer 's credit history obtained directly from the consumer 's creditor or the consumer. 

In pursuant to 15 usc 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft.
Product: Credit reporting or other personal consumer reports

Inaccurate trade lines that allege negative marks on my credit reports