23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was originally contacted by : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Hours of Operation ( CST ) : Mon-Fri XXXX - XXXX, Sat XXXX - XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX about a debt with XXXXXXXX XXXX. I have never had a financial relationship with this company and have no outstanding debts with them or with anyone in the amount claimed. I disputed the claim, but it took 3 months and dozens of emails for them to stop. 

On XX/XX/XXXX, I received an email from : First National Collection Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PST, Mon-Fri www.fncbnv.com for the same debt. I have disputed this debt as well. Both collections companies are using a postal address at which I have never lived ( I have never even been to XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX So clearly instead of terminating any attempts to collect this invalid debt, they simply sold it to another company. Each time they have threatened that not responding will legitimize this debt, however, they never acknowledge correspondence disputing the debt. I need CFPB 's help putting an end to this harassmet
Product: Debt collection

I have been trying to dispute seven medical collections, each of which were involved in a data breach that leaked HIPPA records amongst other things. I have tried repeatedly, through disputing with XXXX to putting in a complaint with the CFPB in the past, yet the debts have not been removed even with my health insurance.
Product: Credit reporting or other personal consumer reports

This letter serves as an official and urgent request that you, Experisn, immediately permanently block and remove the fraudulent and inaccurate information currently appearing on my consumer credit report. Pursuant to FCRA 605B ( 15 USC 1681c-2 ), you are required to take action within four ( 4 ) business days of receiving this complaint. The fraudulent account include : XXXX XXXX ( Opened : XX/XX/2020 ). This fraudulent account was not opened, initiated, or authorized by me. This is the result of identity theft and fraud and have led to serious harm and injury to my consumer FICO credit report. I do not recognize this account, and must be removed immediately. Enclosed with this letter, you will find : 1. A list of the fraudulent account in question. 2. A copy of my consumer FICO credit report, highlighting the fraudulent item. 3. A copy of the FTC Identity Theft Complaint ( XXXX ), which confirms that this account is indeed the result of identity theft and fraud. I demand that the account be immediately permanently deleted from my consumer FICO credit report. You are required to mail me a corrected version of my consumer FICO credit report without this fraudulent account. Failure to comply with this request will leave me with no choice but to take legal action against Experian under 15 USC 1681 ( e ) ( b ) for the harm and injury caused. This is your final opportunity to rectify this situation before further legal measures are pursued. I expect to see this matter resolved within the timeframe specified by law, and I will be monitoring my credit report closely to ensure compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated my loans with XXXX and on my Equifax report it shows the consolidated amount plus every loan consolidated still shows individual with an amount due so it makes it look like I have triple the amount of student loan debt.
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 XXXX  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 inquiries : XXXX XXXX || Date of inquiry : XX/XX/XXXX. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX XXXX || Date XXXX inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXX XXXX || Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

according to the IRS ..cancelled debt ( charge off ) is gross or ordinary income. Income does not get reported on your consumer report. A charge off is an inaccurate account.

15 USC 1681e ( b ) is a part of the Fair Credit Reporting Act ( FCRA ). According to this section, a consumer reporting agency ( CRA ) must maintain reasonable procedures to ensure that the information in their reports is accurate and up-to-date.
Product: Credit card or prepaid card

My mother XXXX XXXX has a Bank of America Credit Card she is XXXX years who lives in PA and there is a charge from a XXXX XXXX XXXX in XXXX XXXX New York which she did not make charge and I did not make this charge. I never received that card. I did received the replacement card XXXX. I am an authorized user and her power of attorney. I live in Florida and never received a card for the account ending XXXX which I informed the Bank of America Representative XX/XX/23 the day I saw a fraud charge pending on account. I called when it was just pending because I saw it on the online banking when making a payment. It was for 2 separate pending charges of {$240.00} The amount was changed and the bank let the charge go on account anyway when they changed amount to {$220.00}. I Had to call Bank of America again since amount was changed to add to claim the {$220.00} to claim which made claim {$710.00}. The representative said this happens they let it go on account anyway sometimes when amount changed. That is totally ridiculous. This is not us I am XXXX and live in Florida never had a XXXX card. my mom doesn't travel she is XXXX. Someone unauthorized used this card and we want the money refunded to her account. 
Who did this and why is Bank of America not refunding this because this is stealing. Who's card was presented the bank doesn't even know name on card or who did just say its a charge back. Not a charge back This is fraud, theft or a scam. Get more information from Hotel Camera video of person, Driver License presented etc. We are willing to file a police report. 
How can they say it was done with card so its your charge WAS NOT AUTHORIZED FRAUD I don't know but we are not paying for someone else to stay at a nice hotel when we called immediately and it was definitely not our charge.. They just let it go on the account I want proof of who did this because it wasn't us. We want our money refunded immediately. This is very concerning how would you let a charge on your account you didn't do with out proof. We need proof of who they say made charge copy of signed sales receipt and id used. GET more information because if someone is using our information we need to be informed. Do your job as a responsible Bank for your loyal customers. We will need to know if someone is using our information get the facts. Please this is fraud and you don't want this to happen to you. Thanks XXXX
Product: Debt collection

This Company Is Violating My Rights, They Have Not Provided Validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) Yet They Have Placed A Collection On My Consumer Report Recently.
Product: Mortgage

My wife has been unemployed for over a year since she was forced to close her business because of the business not generating revenue. We are delinquent on all our bill. 
My income is the only income that we have at this time, my wife is currently seeking employment. Received property foreclosure correspondence XX/XX/2019 with a sale date of XX/XX/2019 per the Tennessee law foreclosure sale date notice is to be received 30 days prior to the property foreclosure sale date. Received correspondence XX/XX/2019 to validate the debt. I didn't receive this notice 60 days prior to the property foreclosure sale date. I've recently submitted request to the mortgage company Regions Mortgage for mortgage assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Since last year I began receiving mail from a company named Diversified Consultants. They went from mailing me threating letters to also contacting me at work and at home threating to garnish my wages and to ruin my credit. 

I contacted the police and filed a police report because it was evident they were collecting on a fraudulent account. I notified them yet the cease to stop collection tactics and have now placed derogatory information on my credit bureau reports. They have reported erroneous information to all three credit bureaus AND clearly this is not my account and I am a victim of fraud. 

Please see my attached police reports.
Product: Debt collection

On XX/XX/2019 at XXXX XXXX C.D.T. I was contacted by a Ms. XXXX XXXX regarding a debt belonging to my EX wife whom I have been divorced from for over 10 years. Per the divorce agreement she is responsible for all of her debts. I do not desire to hear about this matter, my Ex Wife 's name mentioned, or harassed again by United Collection Bureau, their agents, substitute trustees etc, regarding any and all matters concerning my EX wife. I have instructed XXXX Co. Sheriff XXXX XXXX to have his deputies arrest her on sight should she be found on my property, or in close proximity to me. Can I make it any more clearer that stalking by her, or United Collection Bureau will not be tolerated. 

United Collection Bureau XXXX XXXX XXXX XXXX, Ind. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why am I losing points on my credit score for a collections removal? Please make this make sense to me that Im penalized via my credit score for having a collection removed that shouldnt have been there in the first place.
Product: Debt collection

Collection : Opened XX/XX/2016 ( 3 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX  Collections : TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX, DE XXXX In XX/XX/2016 I XXXX XXXX presented before XXXX XXXX XXXX XXXX XXXX  for medical treatment of XXXX  to XXXX  XXXX. Requiring XXXX, a follow up appointment was several weeks after and XXXX XXXX XXXX XXXX XXXX  proceeded with a collection mistakenly as during 1st visit cash payment was made and follow-up was to remove XXXX. 

Upon receiving a bill from XXXX XXXX XXXX XXXX IN XX/XX/2016, I contacted XXXX XXXX XXXX XXXX and was informed that the error was noted and would be fixed. However, collections continued.
Product: Credit card or prepaid card

I purchased a silk shirt from XXXX and then after receiving it, I found its not a silk shirt. XXXX refused to help and says its final sale. Its basically lying to customer about the fabric, so its defective.I contacted capital one credit card and capital one dispute had a charge back on my account several days later, without even an investigation. I think capital ones dispute process is truly broken. Ive had several charge backs like that and its simply not working. 
{$32.00} on XX/XX/2021
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 60 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 60 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 Equifax, XXXX and XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Hi EQUIFAX, I just get a copy of my credit report today and can not believe what I see. Someone stole my identity and open this fraud credit card account without my knowledge. 
I never have this credit card and fraud due to a balance of {$6700.00} that I am not responsible form something I don't have no ideas how this account was opened. 
I was just on the phone with the fraud team from XXXX XXXX  XXXX  XXXX  and he told me this account is no longer on their system. The fraud agent from XXXX XXXX  told me I have the right to have this fraud account delete from my credit report since they already flag it as fraud. 
I would like to exercise my right to have this fraud credit card delete from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by XXXX XXXX XXXX XXXX  Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. I XXXX XXXX never gave XXXX, XXXX AND XXXX._any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the XXXX major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES
Product: Debt collection

I am NOT paying your scam $ XXXX - XXXX XXXX XXXX 
Not gon na happen. XXXX reasons 1- I signed a legal doc with XXXX XXXX XXXX completely sett this acct with a certain amount. 
I will settle that. 
NOT with you weasels. You argue with XXXX if you want paid XXXX Ill file bankruptcy so fast none of any of you will revive a XXXX Do NOT CONTACT ME AGAIN
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account Number XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 
Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account 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

I have reached out to Experian, XXXX, and XXXX  Credit bureaus a number of times to have personal information that does not belong to me removed from my report and they refuse. The following addresses, phone numbers, employer, and ssn 's that appear on these reports do not belong to me and/or are reporting inaccurately. I have lived at my current address since 2011 and keep being told that other companies have reported this information as valid, which I think is absurd being that they are allowing others to report what they feel is valid and NOT me. Due to poor lack of investigation and communication Im requesting that all of the inaccurate data be removed. ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SOCIAL SECURITY NUMBER VARIATIONS THAT DO NOT BELONG TO ME : XXXX XXXX NAME VARIATIONS THAT ARE REPORTING INCORRECTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBERS THAT DO NOT BELONG TO ME : ( XXXX ) XXXX ( XXXX ) XXXX IN ACCURATE EMPLOYER INFORMATION XXXX XXXX XXXX Thank you
Product: Bank account or service

On XX/XX/XXXX, my wife and were shopping at XXXX in XXXX, MS ( store XXXX ) and went to pay with our recently established construction checking account with XXXX County XXXX. The check was for {$160.00}. The check was denied and we were shocked. We immediately called our bank and told there was plenty of money in the checking account. We then called Certegy, but were told that they could do nothing. We then wrote to Certegy Check Services and they replied with a 6 page document which did not give the reason for this denial. On XX/XX/XXXX, we had cashed a check for XXXX at the same store, same checking account. The only thing the 6 page letter told us was that our transaction fell outside of the guidelines Certegy has established for authorization. This is an inadequate response. We want to know specifically why they denied this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX XXXX received a credit report from Experian. 

I was denied credit ( a new home mortgage ) based on 'Excessive obligations in relation to income ' and AMOUNT OWED ON ACCOUNTS IS TOO HIGH. 
This is not supported by the information on my credit report since all accounts have been paid in full since XXXX. 
My FICO score varies between 837 and 850 with all bureaus.

I use only two credit cards and pay off the balances every month. 
The only outstanding loan is my mortgage with XXXX XXXX with a balance of $ XXXX and monthly payments of apx {$1200.00}. 
Experian will not allow me to dispute the incorrect Key Factors listed above that resulted in the denial of credit even though my account information does not support their denial reasons.
Product: Student loan

My loan was transferred from XXXX to Aidvantage. I was notified of a payment due XX/XX/year>. On XX/XX/year> {$3500.00} was taken out of my account for my student loan payment. This is over double the amount I was paying with the previous lender. I have called over XXXX times to discuss this with no resolve. No one is able to give me an answer as to why the payment over doubled and why the payment was taken out before I was notified.
Product: Credit reporting or other personal consumer reports

THIS XXXX COMPLAINT AGAINST EXPERIAN IS IN RESPONSE TO THE BLATANT LIE THEY TOLD REGARDING THEIR REPONSE TO COMPLAINT NUMBER XXXX REGARDING THE UNLAWFUL COLLECTION AND FRAUDULENT ACCOUNT PUT ON MY CREDIT REPORT BY XXXX XXXX XXXX XXXX Account XXXX XXXX. I DO NOT HAVE AN ALARM WITH XXXX  NOR HAVE I EVER HAD AN ACCOUNT THAT I AUTHORIZED FROM THEM. THIS COLLECTION COMPANY HAS NOT CONTACTED ME TO ASK ME OR TO VERIFY THE ACCOUNT AND EXPERIAN HAS LIED TO THE CFPB INDICATING THAT THE ACCOUNT WAS VERIFIED BUT HAS NOT SENT ME ANY DOCUMENTATION STATING THAT I SIGNED FOR AN ACCOUNT WITH THIS COMPANY NOR HAVE THEY CONFIRMED THAT THIS THIRD PARTY IS AUTHORIZED TO COLLECT ON THIS XXXX COMPANIES BEHALF. NOR HAVE THEY SENT ME ANYTHING SHOWING THAT I EVER HAD A CONTRACT WITH THIS COMPANY NOR HAVE THEY PROVIDED DOCUMENTATION THAT THE STATUE OF LIMITATIONS HAS EXPIRED.
Product: Credit reporting or other personal consumer reports

My account with this XXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year>, and XX/XX/year> to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.