23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Suddenly, I noticed on XXXX XXXX that I had a negative debt collection against me. I immediately thought it was identity theft. When I disputed the debt on XXXX, they took it off immediately. XXXX claims this debt was verified, however it was from XXXX and the collection company was stating it was from XXXX of this year. The original debt is purported to come from XXXX for internet. I never received any notice of this debt and I never got notice from the collection company to pay this debt within thirty days as is required by law, before it appeared on my credit report. XXXX refuses to help me or provide any documentation proving that I was given notice. I consistently paid my bills on time, therefore, I do n't think this debt is valid. The collection agency is supposedly the second collection agency. I never got notice from the first and nor did I get notice from this company. Again, this is the first time I have been made aware there was an outstanding balance of {$29.00} on an account from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am submitting this complaint on my behalf. I can't believe they are taking advantage of me like this. I am very upset with Experian. They have not responded back to me about my investigation. I sent a letter and it's been more than 60 days. I need these accounts deleted or updated. These are the items I demand to be deleted. 

1 ) Please investigate that this account is reporting XXXX percent accurate. XXXX  card is reporting different information on all 3-credit bureau XXXX I see so many errors which is a FCRA violation XXXX XXXX  Please to remove this account from my credit profile 2 ). Misleading false information This FDCPA section 807 Violation misleading false reporting on my credit report CBNA Account Please remove from credit profile The Fair Credit Reporting Act 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.

Please remove from my credit report
Product: Credit reporting or other personal consumer reports

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint.
Product: Debt collection

GLA Collection Service added debts to my credit report in which I had no clue what they were for until I called them. I also called the original creditor, XXXX XXXX in which they refused to give me printouts of the original debts and when they occurred, what the insurance paid ( or if ), stating it was against the law for them to give me that information and that they forwarded everything to GLA. I know that is an outright farce because they are required to keep billing information for no less than ten years. XXXX XXXX also sent me bills for a XXXX XXXX XXXX and at the time I was XXXX XXXX XXXX. They are refusing to cooperate with me and my insurance. My insurance actually sent GLA a letter stating that XXXX is investigating the debts and that GLA needs to " forebear '' any debts until the investigation is complete. 

The address for GLA is : GLA XXXX XXXX XXXXT XXXX XXXX, XXXX XXXX The address for XXXX is : XXXX XXXX BILLING DEPARTMENT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I never received the copy b of the 1099c form that was filed due to my dillards wells fargo credit card being charged off. According to the irs code, a cancellation of debt is considered income and can not be furnished on a consumer report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I am writing in regards to an alleged debt with Midland Credit Management Acct XXXX XXXX that your company has on my credit profile. I am requesting Assignment Contract of the debt details. The Fair Debt Collection Practice Act requires debt collectors to validate the debt upon request. Can you provide the name of the original creditor as well as the account number associated with the debt. Proof that I am the person who owes this said debt along with the original amount of said debt, I would also like and itemized statement showing how the current balance was calculated. Documentation stating that your company has legal authority to collect on this debt. I XXXX XXXX am not ADMITTING OWNERSHIP OF THIS SAID DEBT until debt is proven valid. Per The FDCPA you must seize all the collection efforts until your company has proven proper validation of Debt. I am disputing the validity of this said debt please provide the requested documentation in writing and you have 30 days to do so. At any state you fail to comply with validating the debt it will be taken as absolute refusal to do so. This is also being reported as income to the IRS per a 1099C Be advised that if it is found your offices have made a report with false information to XXXX, XXXX, or XXXX XXXX this may constitute fraud in both Federal and State law. If you are working on behalf of the creditor, you will also need to provide Details of your company and license of authority The date of your license agreement The name on the license License Number Registered address and telephone number of the license provider XXXX XXXX
Product: Vehicle loan or lease

I am on my XXXX or XXXX lease with Lexus Financial. All previous leases have been paid on time flawlessly. And up until recently, my current lease has been paid on time. 
In the last year with Covid, I went on XXXX and am paid only once a month. 
And recently my husband had an emergency and could not work for 2.5 weeks and does not get paid when he doesn't work. 
So for a few months, I have paid late, but still within the 30 days so not delinquent. 
I called today at XXXX XXXX  and spoke to a representative and then her manager to 1 ) get my due date changed to when I get paid, and 2 ) have my XXXX payment moved to the end of the lease. 
The manager said that I have already had the 3 allotted deferrals for leases and 2 extra due to Covid and that there was nothing they could do. 
After several leases and several years and several on time payments, this is how they treat their customers?! 
Now my lease will be delinquent because I can not pay my XXXX payment until XX/XX/XXXX when my XXXX payment is already past due. 
I will pay my XXXX payment on the XXXX along with the late fee however can not pay XXXX and XXXX! 
I am livid! I don't even drive the car! I want to terminate my lease but they said that not only will I have to pay a early termination fee but also the entire value of the car! 
Sorry I am rambling. I just know that this is no way to treat long time valued customers!
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated this things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct this account : XXXX XXXXXXXX BALANCED {$18000.00}
Product: Debt collection

I called on numerous occasions to AR resources to find out what medical debt they are trying to collect. I am XXXX XXXX XXXXXXXX veteran and I can not go anywhere except the VA hospital systems without their permission. I do not go outside of this network, and it is impossible for me to have any outstanding medical debt. If I go to the emergency room for anything they bill the VA. All bills are covered and paid 100 % by the VA .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2021, XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2021XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/2021, XXXX  Date of Inquiry XX/XX/2021, XXXX Date of Inquiry XX/XX/2021, XXXX  Date of Inquiry XX/XX/2021 & XXXX Date of Inquiry XX/XX/2021.
Product: Mortgage

I have been a regular payer of mortgage from mortgage inception to-date. However Seterus Inc ; are wrongfully flauting FCC rules and have wrongly reported over phone to credit monitoring bureaus saying that I am a defaulter.

I have provided proof of my payments, however XXXX  ( credit reporting agency ) says the lender is authorized to say verbally without providing any proof of default or delay about anyone 's payment history to spoil his/her credit.

I wrote many times to mortgage service provider - Seterus Inc ; to provide proof of default and/or delay in my payments. Every time Seterus Inc ; respond to my inquiry about proof of default and/or delay by providing their manipulated accounting records and not any documentary proof of my delay and/or default.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the accounts. It was opened without my knowledge, authority or consent. 
XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

I have disputed with credit bureaus XX/XX/XXXX who stated the it was verified with XXXX XXXX XXXX. I contact this company and found out the the debt was XXXX I called XXXX who I have service with as of now. XXXX doesn't show any balance amounts owning. If they did I wouldn't have current service with them now. I Explained that I have bank documents stating that XXXX was paid XX/XX/XXXX {$290.00} which left a balance of {$150.00}. Deductions paid to XXXX was XX/XX/XXXX {$150.00} and XX/XX/XXXX {$67.00}. I submitted my information to the XXXX XXXX XXXX collect they removed the injury. Now AFNI brought the account I sent a letter from them to validated the account I received a letter from them stating we investigated your dispute and updated our records as necessary. This letter serves as verification of the account. XXXX states that its nothing they can do.
Product: Credit reporting or other personal consumer reports

I have noticed a few accounts on my credit report that show that they have been PAID, or CHARGED OFF. I have also noticed these accounts still have balances on them, I would like to obtain a 1099-C copy for each of these accounts. 

XXXX XXXX - [ Accout # XXXX ] - Date Opened - XX/XX/XXXXXXXX  - Balance - { {$490.00} } XXXX XXXX XXXX - [ Accout # XXXX  ] - Date Opened - XX/XX/XXXX - Balance - { {$360.00} } XXXX XXXX XXXX  - [ Accout # XXXX ] - Date Opened - XX/XX/XXXXXXXX  - Balance - { {$600.00} }
Product: Credit card

I was offered a 0 % Balance Transfer by Wells Fargo for 15 months. A few months later, my credit limit was increased without my permission. I was under the impression that the credit increase would also be under the 0 % offer that I originally was given. I noticed a few months later that Wells Fargo was charging me an interest fee for and usage of the credit without my consent or knowledge. I was not informed of this and did not give permission to Wells Fargo to extend my credit with an interest fee. I attempted to fix this issue but was told that I could do nothing about this and was abruptly hung up on when I attempted to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collector : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$340.00} Collector : XXXX XXXX  Account Number : XXXX, XXXX Balance : {$320.00}, {$320.00} Collector : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Collector : XXXX XXXX Account Number : XXXX Balance : {$230.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I've been working on these accounts and I'm on my fourth dispute letter. I still see some information on the items such as the date of last activity which is reporting on three different dates. There is only one original source so the dates should be the same for all three bureaus. The XXXX XXXX XXXX is reporting on three different dates. I have asked the credit bureaus to re-investigate the account and correct the reporting but there have been no changes at all to their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid down these accounts XXXX I have disputed all of them on XXXX, XXXX  XXXX has updated, but did not reflect on the other two credit bureaus. 

XXXX  XXXX reported balance is XXXX actual balance is XXXX Wayfair reported balance is XXXX actual balance is XXXX XXXX reported balance is XXXX actual balance is XXXX
Product: Credit reporting

On my Equifax Credit Report, the account " XXXX XXXX XXXX '' should totally be removed. It was already removed from XXXX and XXXX but for some reason Equifax has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 a letter was sent to Equifax credit bureau asking them validate XXXX XXXX account and a Bankruptcy Chapter XXXX. From my understanding credit bureaus are supposed to report information that is with 100 % accuracy and they are supposed to respond to my letters of dispute with in 30 days from receipt of my letter. I have attached letters from the United States Postal Services that they receive my letter on XX/XX/2018 at XXXX XXXX. ( See attached ) I received letters from the Equifax credit bureau that they " verified '' a bankruptcy to be accurate through a third party called XXXX XXXX. It was not verified through a legitimate route. To be accurate they would need to get confirmation from a the court that handled the bankruptcy or validate it through a public record not a third party. I do not need the information VERIFIED as the information is obviously on my credit report and I am disputing it. I specified that I wanted the information VALIDATED. I have a letter from the United States Bankruptcy Court XXXX  of Nevada ( see attached ) that they do not report to any credit bureaus. 

I never received any communication pertaining the an XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Worked with both XXXX XXXX XXXX ( XXXX ) and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( XXXX, XXXX, and Transunion ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX XXXX XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
Product: Checking or savings account

I opened a checking account at bank of America on XX/XX/XXXX using a bonus offer I received via email. The requirements were to setup direct deposit and deposit {$4000.00} in the first three months. I promptly setup direct deposit, and met the requirements on XX/XX/XXXX ( bi-monthly payments on the XX/XX/XXXX and the last business day ) .The estimated date of receiving the bonus was XX/XX/XXXX, and the bonus period closed on XXXX.I called Bank of America at the beginning of XX/XX/XXXX to check the status, and was on hold for 30 minutes. Once I reached a representative, I  was placed on hold for another 20 minutes, and was given a different number to call to speak with their " bonus team. '' When I called the number, it was a fake number which was offering me a " free cruise. '' I called back and waited another 30 minutes to speak to someone else. They told me that my account was under manual review and that these things take time, but they saw I met the requirements and to call back in a few weeks. I called back on XX/XX/XXXX and spoke with XXXX, who told me a similar story, and that i should call back in XX/XX/XXXX. On XXXX I called back and spoke with XXXX, who told me I had met the requirements, and to call back at the end of XX/XX/XXXX. I called back on XXXX and spoke with XXXX from Alabama, after waiting another collective 45 minutes, she told me to call a different number, and I was able to reach XXXX from XXXX MA. After about an hour XXXX told me that the account had not met the requirements, because my paycheck did not qualify as direct deposit. He would escalate the issue and have it undergo another manual review, since my deposits are very clearly from my employer ( XXXX XXXX where I am a portfolio manager ). He asked politely that I call back by the last week of XX/XX/XXXX if I did not hear anything, but he would email me with the details of the call and any further information. No email ever came.
Product: Checking or savings account

On XX/XX/XXXX I received a text message that my ATM card had been used to withdraw {$40.00}. I was sitting in my hairstylist 's chair with product in my hair so I was able to call immediately. Fortunately, within 15 mins I was able to wash my hair and excuse myself from the rest of the appointment to call Chase and let them know there must be some mistake. I was 30 minutes away from the ATM location listed on the charge ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). I still had the ATM card in my purse with me. The representative assured me that my money ( {$40.00} ) would be returned to my account, but that the card must be closed. I asked how this could happen. This was a newly activated card and I had only used it at another Chase location ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX ) a few times. Again, representatives told me that thieves have ways to clone cards and copy pins. Since I was getting my money back I was relieved, but aggravated I had to get a new card. The money was returned that same day. 
Then on XX/XX/XXXX, I noticed a pending reversal on my account for the {$40.00}. Chase never notified me that they denied my claim. As of today I still dont have such notice. I spoke with XXXX XXXX from the XXXX XXXX branch and he has tried to help. However, Chase corporate will not release video tapes to review who was using my stolen information. Nor will Chase review how many other accounts this may have effected at the XXXX Chase ATM. I strongly believe I am not the only one. {$40.00} is very small, but if you take {$40.00} from multiple people this could add up quickly. Its someone who knows how the system works. They use a low amounts so it is least likely to be detected in a timely manner and not enough to warrant a police report or seizure of surveillance tapes. Since this theft occurred at the Chase locations ( I NEVER used my card anywhere else ) Chase is responsible for the money stolen. For all I know it could have been an employee at Chase or Chase simply not properly monitoring their ATMs for hacking devices.
Product: Credit reporting or other personal consumer reports

Re : Data Breach Request for Deletion of Accounts and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to notify your bureau that I am a victim of a data breach. As such, I request the immediate blocking and deletion of the following accounts and inquiries as permitted under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

ACCOUNTS TO BE BLOCKED AND DELETED : 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
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent accounts and information reported in my credit file as a result of identity theft linked to the data breach that occurred at XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I am entitled to dispute inaccurate or incomplete information in my credit report, and I am asserting my rights under this statute. 

Upon reviewing my credit report, I identified several accounts that I did not open and transactions that I did not authorize. These accounts are the result of identity theft, which I believe is directly related to the information compromised in the Equifax breach. The account names are as followed : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and US Department of Education XXXX 

To rectify this situation, I have taken the following actions : 1. I filed a report with the Federal Trade Commission ( FTC ) at XXXX, and I obtained an identity theft report. 
2. I reported the theft to my local police department and have attached a copy of the police report.

3. I have placed a fraud alert on my credit report and notified the other major credit bureaus.

I respectfully request that Equifax conduct a thorough investigation into this matter, as mandated by 15 U.S.C. 1681i, and remove the fraudulent accounts from my credit report immediately. I appreciate your prompt attention to this issue and look forward to your timely response. 

Please communicate any updates regarding the progress of your investigation or any actions taken to the address provided above. 

Thank you for your assistance.