23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have diligently made numerous attempts to establish communication with the esteemed legal entity of XXXX, XXXX XXXX XXXX, XXXX, through their designated online portal, with the intention of orchestrating equitable and rationalized payment arrangements. Regrettably, my persistence has waned, prompting this communication. It is paramount to note that I conscientiously conveyed my circumstance of international occupational obligations, warranting the employment of this virtual channel as my optimal means of contact. 

In a disconcerting development, I found myself subjected to legal proceedings by the aforementioned entity in relation to a debt that had been duly expunged from my credit dossier by virtue of the efforts undertaken by Second Round Sub , LLC. This expungement was the result of an acknowledged error, subsequently mandating its erasure as per the provisions of pertinent legislation. Astonishingly, XXXX, XXXX XXXX XXXX, XXXX, appear to have maintained an audacious interpretation of their legal prerogatives, persisting in their endeavor to recover the aforementioned debt. 

I am compelled to admit that, despite my reservations, I have acquiesced to their assertions. However, it is of considerable concern that my earnest overtures have met with conspicuous silence on their part. Curiously, this silence seems to be in stark contrast to their apparent diligence, as evidenced by the dispatch of two instances of " Interrogatories in XXXX of Execution. '' These inquiries, probing into my financial, real estate, and business affairs, materialized subsequent to my return to the United States. 

It is with a sense of unease that I apprehend the notion that XXXX, XXXX XXXX XXXX, XXXX, XXXX be exhibiting a disregard for the genuine predicament at hand, thereby culminating in practices that are perceived to be inequitable and discordant with principles of just commerce and jurisprudence.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to correct a late open account listed on my credit report. Despite numerous attempts, this inaccuracy persists, and I am seeking further assistance to resolve this matter.

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing.

This persistent issue has caused significant stress and hardship. It is imperative that this inaccuracy is promptly corrected to ensure the fair and accurate reporting of my credit history. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance : {$75.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I am filing this complaint. These companies keep breaking the law and I'm so stressed over this. 

According to 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, Account name : XXXX XXXX XXXX XXXX, Account name : 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. 

Can someone please help me hold these companies accountable for their criminal activities?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alert notices from all the credit bureaus on XX/XX/XXXX stating that my account has been falsely reported 120 DAYS Past Due AGAIN. My account has been incorrectly reported as late since XX/XX/XXXX. This incorrect reporting has happened at least 10 times since XX/XX/XXXX causing my credit score to plummet with each occurrence 100 points or more. This false reporting must stop and the correct payments history reported to the Credit Bureaus. I am not now, nor have I ever been late on my mortgage and the following information will assist you in resolving this matter. 

Please see attachment below. 

Village Capital & Investment LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Account Number Borrower Relationship Agent Borrower Relationship Department P : ( XXXX ) XXXX XXXX : XXXX villagecapital.com
Product: Credit card or prepaid card

I have three American Express Prepaid cards and two of them were declined by American Express and I was charged {$1.00} when each card was declined. I have n't tried to use the third card yet. I have called American Express 5 times and was hung up on twice by someone who can hardly speak English. When you call the number on the back of the cards you get an automated recording that does n't provide any options to resolve the problem. You do n't get an option to speak to a human. The two people I spoke to answered two other American Express customer service numbers. Two of the three cards have values of {$50.00} each and one has a value of {$25.00}. American Express gladly takes our money, but makes no effort to all us to resolve issues. I guess keeping my {$120.00} is more profitable than the 3 % they get when I use them. I am going to file a suit in small claims if they do n't fix this.
Product: Debt collection

For Year Bank of America has been collecting via ACH payment for a deb that is not mine. It sees someone stole my account and RTN number and i did not realized until a few month ago that every moth i was being debited around {$70.00} the description of the transaction in my checking account is as follow : ONLINE PMT BK OF AMER VIXXXX XXXXPOS INTERNET PAYMENT I have not being able to get help from Bank of America since i nothing to go by other than the debits i see on my account. I am just being debit via ACH by bank of America and i have no idea why since the amount is small and my husband is the one that reconcile the account, he never questioned, until 3 moth ago I noticed there is no reason why BOA to debit my account. I went to my bank TRusit and i requested a stop payment and they did, but this month BOA submitted a payment for the 3 last payment that were rejected by my bank debiting my account {$170.00}. My bank could not return the debit since we had a stop payment for a rage amount of XXXX to XXXX due to always being that amount. I now will have to close my account to stop BOA to continue still my money I demand a resolution since I have never authorized BOA to debit my checking account, I am 100 % sure they do not have a debit authorization signed by me or a consent to debit my checking account at XXXXXXXX XXXX
Product: Debt collection

JEFFERSON CAPITAL SYSTEM ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$11000.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

XXXX XXXX XXXX claims to be sueing me for US bank for a old account that I already settled a long time ago. They claimed to be sending a certified letter. I had them email me one and called US bank with the account number they attached and they said I have no old accounts with them anywhere. The number they called from is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX MN XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX ... To Whom It May Concern : I have contacted the debit card department and they confirmed that the account was closed and does not have any balance. This is reporting negatively on my credit report as Paid in Settlement {$39.00} written off. There was fraudulent transaction and it was disputed and I have paid the full balance. The representative over the phone clearly mentioned that there is no balance and this company still reports incorrect information on my credit report. This is hurting my credit score and my ability to get a home mortgage for my family with XXXX kids. Please delete this information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account number XXXX XXXX XXXX and 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Over years I have requested that they and my XXXX address. 
I complied with their document requirements to the fullest. 
Still nothing.
Product: Credit card or prepaid card

Ordered a product online in XX/XX/2021 from XXXX, XXXX XXXX, NY. I never received the item and since it's been so long, I forgot what I ordered and never received a confirmation for the order. In XX/XX/XXXX ) Citi sent XXXX a copy of the dispute and asked to their explanation. The explanation that was sent back, had absolutely nothing to do with the item I bought. 
Now, Citi is asking for documentation on my purchase which I do not have nor do I have a record of what I ordered. I was never sent a confirmation on my purchase. 

Credit Card ending in XXXX
Product: Mortgage

My original mortgage was with XXXX XXXX. In XX/XX/XXXXmy mortgage was sold to a new investor XXXX XXXX XXXX who uses Carrrington Mortagage Services to services their loans purchased. While my mortgage was with XXXX XXXX my house was damaged by Super Storm XXXX on XXXX XXXX, XXXX. I was paid insurance funds from XXXX XXXX XXXX XXXX. My house was fixed and XXXX XXXX who was in control of the monies sent an adjuster out to see what if any repairs were still needed before releasing the remainder of funds. The adjuster came and I was 95 % complete and XXXX XXXX released the funds and closed the claim. In XXXX I was approached by a law firm that they were opening up some of the Storm XXXX cases because FEMA did not payout the correct dollars. My case went to litigation and I won. I was issued a check in XX/XX/XXXX made out to myself and the mortgagee Carrington Mortgage Services as mortgagee. My attorney sent the check to be endorsed to Carrington. Carrington in return did not endorse it and sent it back to me and was treating as a brand new claim. I called them and explained the situation. They had no idea about the re-opening of claims with FEMA. I sent them the adjuster 's one page two line report stating the work had been completed in XXXX. Then they wanted more documents for which I complied. It is now two months after the fact and they still will not let me know if they are going to endorse my check. In the summer I had lost my job and got behind in my mortgage, part of the proceeds from this check I want to use to catch up on my mortgage. Every time I call or my attorney call we get the run around. The last person I spoke with is a XXXX XXXX who is supposed to be an attorney, his number is XXXX. I am working now, as a loan supervisor in a loan servicing department, and I would never do what they are doing to me to a borrower. This started the beginning of XXXX and is still on going. I even told the investor to send someone to do a home inspection, I have nothing to hide, they were going to do it and then Carrington stopped them. This is so unfair to me as a consume and I believe at some point goes against principles in general. Please help me, I do not know where else to turn anymore.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, XXXX, EXPERIAN AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this XXXX bureaus namely XXXX, EXPERIAN AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent Experian and XXXX a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure for any purpose. 

This dispute concerns a late payment entry reported by XXXX XXXX XXXX for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have been a victim of identity theft and many accounts were established in my name without my knowledge or consent. I am writing this letter to remove inaccurate data from my credit report. The following information you have placed on my file has seriously affected my ability to obtain credit. Please be reminded that it is important for credit agencies to maintain accurate information per The Fair Credit Reporting Act. I have provided you with a police report and Federal Trade Commission Identity Theft Report detailing the incident. I have been working with police and I have hired a private investigator to help stop the use of my name by someone who has stolen my identity. The following information does not belong to me and should be removed from my credit file immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the balance with   XXXX   and Honor  Finance s everal times. My balance for a vehicle that was included in bankruptcy is still showing as  XXXX . My balance should be {$0.00} due to discharge of a bankruptcy where the the balance of this vehicle was included. I am requesting them to update this amount to {$0.00} immediately it is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have summitted many disputes to fix and correct my report I've been disputing since XX/XX/2020 and we are now in XXXX and no resolutions occur. for example names are not correct and address and accounts and check system I've have send XXXX letters and all information needed and they have not yet been able to correct my information I've been a victim of identity theft This incorrect information is affecting my life please remove this as soon as possible thank you. also its really difficult to get in contact with any representive from XXXX  and when I finally do bad customer services and they end up hanging my call this has happen many time.
Product: Credit reporting or other personal consumer reports

I previously made a request ( CFPB # XXXX ) in XX/XX/year> for removal of a tradeline from my XXXX report XXXX Well, I recently found that the tradeline still remains on my XXXX and XXXX. This credit line was opened fraudulently, and needs to be fully removed from ALL credit bureaus. The lines are showing a delinquency which affects my credit.
Product: Checking or savings account

I received checks for a well fargo account in my name that I did not own. XXXX would not help me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX EMPLOYER - XXXX XXXX XXXX  EMPLOYER - XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Report Act XXXX, Account:XXXX, Creditor : 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. 
Based on my knowledge I don't owe this creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

The three main credit reporting agencies have not removed items that took over 30 days to investigate. When they finally did there was not sufficient evidence with my signature proving the debt was mine. I've asked them to investigate the Bankruptcy on my credit reports and after contacting XXXX ( which they informed me that they have used to validate the bankruptcy ) which informed me that there is no information with my social security number that matches the reportimh. The agencies continue to report a bankruptcy as well as debts including in bankruptcy on my credit report.
Product: Credit reporting or other personal consumer reports

This is to inform you that someone illegally reported fraudulent INQUIRIES to all three credit bureaus arising from IDENTITY THEFT that they did not verify as required by law on my consumer report. 15 USC 1681b ( c ) Furnishing Reports in Connection with Credit or Insurance Transactions Not Initiated by Consumer ( 3 ) Information about Inquiries ; Except as provided in section 15 USC 1681g ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction not initiated by a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system, and Equifax has failed to uphold that responsibility by furnishing/providing incorrect scores. 

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

In accordance with the written instructions of the consumer to whom it relates. I never instructed them to furnish this report nor did i give consent to this report in the first place.
Product: Credit reporting or other personal consumer reports

I disputed entry re a debt. This debt should be deleted because it is over XXXX years old. The original debtor, PENfcu should have deleted this info on XXXX. 
The XXXX XXXX XXXX should also have deleted this info from my credit report.
Product: Checking or savings account

Account opened when I was XXXX in my name then closed then opened a few months later when I was XXXX I didn't want an account