23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX UT XXXX Phone : ( XXXX ) XXXX This company claims that i owe them {$150.00} for services that i have not used or agreed to sign up for. I have received multiple phone calls even after i have asked them to stop. They have called from different phone numbers attempting to collect money. I expressed to the company that i do not even live in the area where they are claiming to be calling from. Please delete and remove this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

the government or the law we supposed to use to govern all entities activity in america says that collection accounts unless verbiage was put into an agreement can not include interest fee, charge, expense, etc when collecting a debt. 

so basically whatever a consumer is accused of not paying is the amount they owe, and not the amount that comes from adding extra charges. 

on my credit report thats exactly what this company did. they reported an debt on my account that is larger than the amount in their contract for original services. 

the debt that is on my credit report does not have a signature associated with this debt as well. 

even with no signature and the debt blatantly addidng extra charges and fees the credit bureau XXXX and experian still reported this on my credit report. 

how can they have investigated this debt to be true without a signature or original amount. 

experian and XXXX has verified this account was investigated and that was a lie to help opprotunity financial kept this debt on my report and keep their company receiving funds from opprotunity financial for being able to report it. 

these three companies are working in cahouts with each other to scam me and financial rob me of my ability to have access to great interest rates. i believe these three are in connection with each other to cause financial harm to me and american citizens by deliberatly not investigating the accuracy of debt they report on their own platform.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX : # XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I sent letters to the XXXX XXXX XXXX XXXX XXXX and the credit department via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I sent emails directly to the XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I have had excellent payment history, but I have two late payments in XXXX that are severely hurting my credit because they are considered recent. However, I have done further research and found that these late payments are inaccurate. 

I have been begging for deletion since I was admitted into the XXXX XXXX at my local hospital for a severe condition that almost took my life. I could not support my family and while in the XXXX  in XXXX XXXX I lost my job. And even still, I was a loyal customer and ever worst according to my records I did make payments for XXXX AND XXXX of XXXX yet they are reporting two late payments that have irrecoverably damaged my credit score I made ACH payment of {$20.00} on XX/XX/XXXX, {$60.00} on XX/XX/XXXX, and {$20.00} on XX/XX/XXXX
Product: Credit card

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress
Product: Student loan

I work for the XXXX and have been applying for PSLF program since XX/XX/XXXX. I have called and submitted forms several times. I was told in XX/XX/XXXX that my form was never received. The company acknowledged receipt of it now but still hasn't processed it. It's been almost 2 years and I still do not have an answer about whether I'm approved for the PSLF program. I keep getting told they will reach out to me but no one has ever reached out in 2 years
Product: Credit card

Barclays XXXX XXXX XXXX Elite Mastercard closed my account stating that I was 90 days past due. The charge that was past due was an annual fee. Prior to this charge the card had a XXXX balance for over 3 years. I had no idea this card had a balance due because I never received any statements by email or mail. The email address used for paperless billing was not mine. The only notice I received by mail was the notice stating that I was 90 days late and my card was closed. I had no knowledge of anything on this card. Fast forward a year later, Im in the process to purchase a house. When my credit report was ran, it showed I had a derogatory mark on my credit report for an account I had no knowledge about, but the account has a XXXX balance. I called Barclays to speak with someone regarding my situation, they told me to file a dispute with XXXX, XXXX and XXXX Credit Bureaus and then with those findings Barclays will change my account to reflect their findings. All disputes came back accurate and verified and they removed everything from my credit report. Barclays on the other hand, is making me jump through hoops even though it has been verified with all the credit bureaus. Barclays told me that they put my account to zero balance out of courtesy to me, again without my knowledge. Yes they took away my balance and made it XXXX, but they also put my credit reports in a negative mark. It was showing that I was 30, 60 and 90 days late. Which is a big red flag for any lender. Trying to call Barclays is horrible, customer service for this company is horrible. Requesting information from Barclays to send a letter is done by mail only. They do not expedite mailings, even when I requested to pay for it. I feel like calling them is like calling another country and they are located in XXXX, Delaware, in the United States. I will never recommend anyone to do business with Barclays. They will actually be the one credit card company I tell people to avoid!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the Experian and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX XXXX Balance : {$5200.00}.
Product: Debt collection

The company is reporting inaccurate info and have failed to validate the alleged debt I am a victim of identity theft. Some one have obtained services using my name ... I am working to identity the effects of the identity theft and to remove incorrect information from my files. Your institution not only has a responsibility to maintain accurate records.I have disputed the bill several time and sent request for validation with no response.Since you have refused to validate and moreover the debt is not mine, i am requesting that you delete this info from my credit report.This is really driving me nuts, i am not this person and you keep reporting it.If you don remove this info, you leave no option than to sue the company because this frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an eviction showing on my XXXX report from 6 years ago. It's been paid for 5, and me and my children are going through a really difficult time trying to get an apartment to live in. We are homeless, and this reporting of this information is impeding the wellness of me and my children. The company that reported it ( Kimball, Tirey, and St. John ) refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to experian requesting that they remove inaccurate information from my report and within 30 days they would have to furnish proof that the info was mine or delete it. They sent me a letter stating they were not going to investigate those items. The 30 days have expired and I want them removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( 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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXXXX/XX/year> : XXXX XXXX  XX/XX/year> XXXX  XX/XX/year>
Product: Debt collection

I have tried to dispute the account multiple times with the credit bureaus and collection agency that it was not my account and it belonged to my ex-husband and I have not been sent any proof to validate that it was my account and I have also reached out to the original creditor and was advised they could not locate me in their system in order for them to delete it.
Product: Money transfer, virtual currency, or money service

I had a VA Loan from Freedom Mortgage but sold my house in XX/XX/XXXX. The loan funded and my debt was cleared and there was a surplus in escrow that was owed to me. a check was sent from them supposedly to my old address that I never received. I even received a letter from them as such. 
I called their customer care 800 # on XX/XX/XXXX and requested they cancel the other check and re-issue the check. The person I spoke with assured me the old check was cancelled and a new one issued. He asked me to wait 5-7 days. One week later I called when it wasn't received and was told the old check was never cancelled and the new check never issued. He told me he would take care of it for me. Another week passed and no check. I called again and asked to speak with a supervisor. i spoke with XXXX XXXX # XXXX who assured me the fastest way for me to get my money was an ACH transfer which he was going to take care of and would be in my account no later than Monday XX/XX/XXXX. to no surprise on Friday XX/XX/XXXX it still was not in my account. I called back and spoke to the agent but asked if I could speak to a supervisor. XXXX badge number XXXX told me ACH was not possible and only a manual check could be issued. he would take care of it and call me back either that day or the following day as soon as he found out something. I still have not received the call from XXXX nor have I received my escrow money. I have done far more than due diligence in trying to get my money back and all I get from Freedom Mortgage is lies, misinformation, and subterfuge. I even requested at one point to speak with XXXX manager and was told managers do not deal directly with customers and he was the highest authority i would be able to speak with. This business practice is deplorable. Freedom Mortgage has been using my money for nearly 4 months and that is excessive. I want my money back.
Product: Money transfer, virtual currency, or money service

This about Binance.US cause I was told the platform was a good site to invest and earn money which I did put my money for buying of bitcoin and that was a success so when it was time for me to remove my money and put into my business I notice I couldnt get my money out of the account and I tried contacting the customer care support since over a months now I havent gotten any reply from them and this seems like a scam to me putting my money on a platform and not been able to get it out its not a proper thing for the company to held someone elses funds without no reason XXXX my business is falling and I need to invest and put money into my business but I cant get the money out of Binance.US platform ... XXXX my ticket ID number # XXXX. I will be glad if this issue is resolved soon and I can get my funds of the platform cause havent been sleeping for awhile because of this issue and my business is also falling and not happy at all is like the company wants to take my hard earned money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Experian deleted payment History for account XXXX XXXX XXXX that violates FCRA. Account was also not marked " Disputed by consumer '' and status update date was not updated for investigation. How can Experian verify and update account with incomplete and inaccurate payment History? I requested account be removed due to errors and violations on report, however, CRA updated and verified account as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a letter in the mail from XXXX XXXX XXXX XXXX advising that they are reporting accurate information on my credit report. But according to their letter and the information on my file clearly shows the violation of FDCPA and FCRA law. Please see attachment. 

XXXX XXXX XXXX XXXX is reporting the date of last payment on XX/XX/2016 which is false information and is adding another year to being reported on my account. This date is when the car was bought at an auction which is no longer my responsibility.
Product: Student loan

Here is the email i sent them most recently : Hi- I've tried to log in multiple times but the website is down. Many other times i try to reset my credentials only for your servers to take hours & days to email me back. When I finally am able to send a message here, I get an email that says 'We 're sorry for the delay in our reply ' & still no reply! 

The lack of attention to detail has been extremely frustrating. I have submitted complaints to thXXXX XXXX XXXX & CFPB. 

If you can not speak to be, you can not accrue interest on my account. Reverse these fees & confirm the original balance of the debt you bought from Great Lakes or I will have to take legal action. You have until the end of the year. 42 business days. 

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

I was shocked and frustrated when I saw unauthorized inquiries on my credit report this morning, and I don't know where they came from. I regularly check my report, but today, these errors appeared out of nowhere. Refreshing my browser didnt fix it, so Im requesting an immediate review of the documents I submitted to ensure this never happens again.
Product: Debt collection

This is the SECOND TIME I have had to deal with this dept. This is an energy bill from a property in Michigan after I moved to Florida. The tenant after me used my name on the account. That tenant is now deceased and this company has already put this debt on my credit report and has dropped my credit report substantially. They have also dated the debt this month and year when the original debt was from 2017. 
Please have this collection removed from my credit reports asap because I need my credit score accurate immediately. 

P.S. How can a company put such a frivolous collection on my account without repercussions?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting agency multiple times this year trying to resolve my issue. I have several student loans reporting between years XX/XX/XXXX and XX/XX/XXXX. These accounts have been closed. Also they are showing as multiple accounts even though they should n't show so many. A lot of the accounts are duplicates of accounts already reporting on my credit report, multiple accounts reported with the same account number. I have tried to contact the credit reporting agency and the response I have gotten is that " they are validated ''. I have asked for proof of validation and have received no response for that request. I asked for these accounts to be removed as they are over 7 years old and not being reported correctly. These accounts are paid in full and closed. I would like them all removed from my account as it shows incorrect credit history. It is hindering my process to purchase a house for my children and I. Please remove these student loans from my account due to age and inaccuracy
Product: Checking or savings account

On XX/XX/2023 someone opened a capital one 360 savings account without my consent and a week prior to this incident someone tried to receive unemployment benefits in my name. 
I want to report this as fraud.
Product: Money transfer, virtual currency, or money service

For several months, I've been unable to link my XXXX XXXX XXXX XXXX ( XXXX  ) to my Bank of America ( BofA ) account for standard ACH transfers. This is preventing me from easily funding my XXXX XXXX, a basic banking function. 
Attempts to add the XXXX XXXX on BofA  's website result in an error message : " Your account has not been added. The information you entered is invalid. '' All information entered is correct. 
On XX/XX/2024, I called BofA support ( XXXX ) for assistance. The issue remained unresolved. 
On XX/XX/2024, I called again. I spoke with representative XXXX, then XXXX XXXX ( XX/XX/XXXX: XXXX ). XXXX claimed transfers to brokerage accounts aren't supported due to " compatibility issues. '' This explanation is inadequate for a standard banking function. 
BofA has failed to : - Enable linking of my XXXX XXXX for transfers - Provide a clear explanation for why this isn't possible - Offer an alternative solution for easy transfers between these accounts This ongoing issue significantly impairs my ability to manage my finances effectively. It raises concerns about potential limitations on consumer rights to access and control funds across financial institutions. Furthermore, the difficulty in transferring funds to a competitor 's account ( XXXX ) could be perceived as a practice that limits consumer choice and financial flexibility. 
Despite multiple attempts to resolve this through BofA 's customer service channels, the problem persists. I'm seeking assistance to ensure that my rights as a banking consumer are protected, that BofA provides the basic service of allowing transfers to external accounts, and that there are no undue restrictions on moving funds between financial institutions.
Product: Credit reporting 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
Product: Credit reporting, credit repair services, or other personal consumer reports

^^^^^^^ Dear the " '' governor '' ''. I am **XXXX XXXX** . Today i would like to repeat my report about incorrect information that exist in my credit account. I have been trying to contact you guys to have this problem fix but never see any changes. I notice that all of the names, addresses and employment information are inaccurate. I want to assure that none of these wrong information that are not belong to me or any of my business. I have listed below all the names, addresses and employment information that need to be corrected : ************************ *NAMES REPORTED* XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- **EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these inquiries on my credit report that I did not authorize, nor do I recognize. I am in the middle of having a home built and have not requested, or applied for any credit over the past 11 months per my mortgage lender. The inquiry, or inquiries, on my credit report were made without my knowledge or consent.
Product: Debt collection

Louisiana Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.