23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

# 1 acct # XXXX {$450.00} # 2 acct # XXXX {$740.00} # 3 acct # XXXX {$400.00} I have disputed these unknown medical collections with letters to the credit bureaus with no response except, verified. 

On XX/XX/XXXX I mailed a direct dispute letter to GLA about a new medical collection, no response? 
So on XX/XX/XXXX I mailed another direct dispute letter to GLA asking for a description of validation on these medical collections that I am entitled to by law, no response? 

Oh yes, and doing much research, the 3 GLA accounts listed above are in violation of the 2015 AG settlement. If medical collections are not updated within 6 months of the present, they are to be deleted. I have attached this also. 

And these 3 collections are past the status update laws!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to XXXX  back in XXXX and the report came back that it was reported correct. But XXXX XXXX corporate office they show no record of me having an account with them. Credit bureau telling me these are information they getting from creditor. So I ask them to validate it show me and the guy told me he couldnt.
Product: Bank account or service

As a retiree on a very small pension and bank with Chase bank, I am filing this XXXX complaint based on the same problem issue. There are times I will incur insufficient funds for no more than 2 days! I notify bank online to ask them to not charge their typical {$34.00} per item fee, as I have arranged an ACH deposit that will post ASAP ( always within a day ). Sometimes they delete the fee, many other times they do not. As of today, I was charged {$100.00} for being less than 12 hours beyond their window for the deposit. That is food and utility money for the month. I am a XXXX-year-old XXXX XXXX and can not afford to pay these outrageous fees. Please!!!! I need your help.
Product: Debt collection

XXXX, XXXX and Complaint against " XXXX XXXX XXXX XXXXXXXX " ( a fictitious name used by XXXX XXXX XXXX XXXX and XXXX XXXX as a cover up ) and Bank of America, an XXXX XXXX  who operates massive Ponzi Scheme via sham conduits - XXXX XXXX and XXXX companies who collect all my money and who forged documents to steal my home. 

On XX/XX/XXXX " XXXX  '' ( dba XXXX, aka XXXX XXXX ) provided evasive and full of lies respond to CFPB saying that " XXXX  '' was a Servicer for my alleged " loan '' who purportedly " processed '' my payments, charges and advances while " XXXX  '' was a " Serviver '' of my " loan ''. 

First, XXXX never was a Servicer of my alleged " loan ''. The REAL servicer was XXXX XXXX, XXXX ( former XXXX XXXX XXXX XXXX XXXX ) who acted under instructions from XXXX XXXX  who used XXXX XXXX XXXX XXXX, XXXX  as an intermediary. 

XXXX XXXX XXXX XXXX used name of " XXXX " as a cover up. 

Second, XXXX  [ read : XXXX ] never collected or processed any of my payments. It was done by XXXX XXXX XXXX who collected all my money and deposited them with Bank of America. If XXXX did it- and it was admitted in writing, then XXXX did not do it. 

" XXXX  '' [ read : XXXX ] claimed that the servicing RIGHTS [ not actual servicing activitirs ] were transferred from faux " servicer '' Caliber [ read : XXXX XXXX XXXX XXXX ( whose address is XXXX XXXX XXXX XXXX XXXX, XXXX TX ) were " transferred '' to fictitious corporation XXXX XXXX XXXX XXXX XXXX, a single member XXXX incorporated by XXXX XXXX as a cover up for XXXX, XXXX XXXX XXXX XXXX  and XXXX  are both reformed XXXX  XXXX, " accrued '' by Bank of America in XXXX and restructures into a chain of faux companies who play roles of " servicers '' - without any servicing activities.. 

" XXXX  " claimed that they provided " legit documents '' realted to my " ; loans '' such as forged XXXX  from faux " lender '' XXXX XXXX XXXX  " XXXX  '' on XX/XX/XXXX ( which " XXXX  '' refuse to admit ) ; and undated forged XXXX  where " XXXX  '' " transferred '' to someone " loan '' which belonged to " XXXX '' according to " XXXX  '' 's own words I demand disclosures based on which authority " XXXX  '' prepared undated XXXX  where they transferred XXXX '' 's loan. 

I demand disclosures when this XXXX  was prepared, and to WHOM " XXXX  " transferred this XXXX  I demand disclosures WHOM " XXXX  '' was servicing all this time if XXXX has no records of XXXX XXXX servicing, proven by XXXX official responses I demand disclosures WHO authorized transfer of " Servicing rights '' from faux Servicer " XXXX  '' [ XXXX XXXX ] to faux corporation XXXX XXXX XXXX XXXX XXXX, and the name of an individual employee at XXXX  [ XXXX XXXX who approved this transfer
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard inquiries that i don't recognize. 

XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX XXXXXX/XX/2020. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act. Convergent account # 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 instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I am requesting for Midland Credit Management to remove and delete this fraudulent account from all three major credit reporting agencies immediately or legal actions will be taken against your company. I have never had any type credit cards with XXXX XXXX XXXX. 
1. Midland Credit Management Account # XXXX I have attached a copy of my police report as well as FTC report stating for this fraudulent account to be removed immediately from XXXX XXXX and XXXX.
Product: Debt collection

This is about a Kohl 's department store credit card balance due. The company or their representatives continue to call mutliple times a day at a minimum of three often more and have in fact called as many as 15 times in one week after being informed of the plan to pay the balance in question. We have asked numerous times to not be called and we have advised them that we will not make payments over the telephone due to scams and fraud issues. Still they continue to call even after making contact. This has been going on for more than two months.
Product: Checking or savings account

I received an alert about my social security number being compromised on the dark web and used to open a Bank of America account. I called their fraud department and submitted a claim on XX/XX/XXXX. The account had XXXX dollars in it and it was opened with my name and social security number. The account was closed on XX/XX/XXXX and a fraud alert was placed with the institution.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Accounty Number : XXXX Account Name : XXXX XXXX XXXX XXXX Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was advised in XXXX of 2022 that I am a current customer in good standing with XXXX. I am a XXXX XXXX XXXX XXXX. I advised XXXX the XXXX dollars was wrong and to verify. They did not. They reported it to XXXX, Experian, and XXXX. I spoke to XXXX and VERIFIED multiple times with XXXX I do not owe them any money per XXXX. They received payment for the security system, which does not work. 

After notifying XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They fraudulently placed the account as a collection on all three credit Reporting agencies. 

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an 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 or 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 or other personal consumer reports

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose.If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions. 

Attached you will see the document
Product: Credit reporting or other personal consumer reports

I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 1. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; have violated all ABOVE laws.
Product: Mortgage

I got a hard inquire from Credit Technology Inc on XX/XX/2020 that I have no relation or authorized and reporting on XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings. 

I sent a disputes letters to the credit bureaus sunch as XXXX, Equifaax and XXXX, but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Product: Credit reporting or other personal consumer reports

First Colony Brands lied and bullied me. There letter stats that they charged the XXXX closed accounts as a charge off and took a loss. And that they still collect the debt. Was a charge off in XX/XX/year>. Then I wrote to the XXXX and there response was that all XXXX accounts were charged off and placed with collection agencies. They said they would reissue a XXXX. So Colony Brands say they can collect the debt after they charged it off as a loss, sent to collection agencies. If it was charged off as loss and sent to collection agencies by FCRA law they must report to Credit Bureaus the balance, amount due all Zero 's. Then I sent XXXX all letter 's and documents and there not following the FCRA laws even with proof. So XXXX isn't practicing the law. They know it and this has gotten me XXXX out. So over the past year XXXX always say been verified as accurate even with the proof of letters, and response from Colony Brands. Both companies, Colony Brands and XXXX are not practicing the FCRA laws. I ask that this be resolved as soon as possible.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls unde trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. 

ACCOUNTS XXXX XXXX  {$3300.00} # XXXX FST PREMIER {$730.00} # XXXX INQUIRIES XXXX XXXX FTC XXXX
Product: Credit card

We were contacted by Chase that they suspected credit card fraud on our card for {$5.00}. We verified the other purchases by could n't verify that one that they stated originated from XXXX. Our credit card was immediately stopped and they mailed a new credit card to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  account no. XXXX ..... 

is not mine do a complete re-investigation XXXX account no. XXXX .... is not mine XXXX  account no. XXXX .... is not mine XXXX account no. XXXX .... is not mine XXXX XXXX account no. XXXX .... is not mine does not belong to me
Product: Debt collection

XXXX XXXX billed for the wrong amount. This should have never been sent to collections - I never owed {$2300.00}. I provided payment information at the time of service and this was supposed to be submitted through my insurance and then charged. After several months I was finally able to have someone at XXXX fix this error and bill me for the correct amount which was paid in full. 

This entire account needs to be removed from my credit report immediately. It is impacting my ability to refinance my home and the derogatory mark that was added in error and has led to multiple other revolving lines of credit that were in good being cancelled. 

Please remove this account. It should not be reported as a " paid collection '' as it should have never been a collection in the first place. It needs to be removed entirely.
Product: Vehicle loan or lease

Already filed a complaint on this issue and the response did not answer the issue. I payed off an RV loan on XX/XX/year>. On XX/XX/year> they withdrew from my checking account {$1600.00}, the loan payment. I called and the rep blamed me for not cancelling the auto payment. The loan was payed off a full week before that and they still took my money. 
I want the {$1600.00} sent back to me. Now it is XX/XX/year> and I still have not been reimbursed. 
Their response addressed the overpayment of {$250.00}, that was not the issue and I made that clear on my initial complaint. I have received that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete this inaccurate information from my report. XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX. I don't have or never have XXXX and I never was late on anything I just saw this contacted cards they said its too late. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint because TransUnion is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. Today was my final attempt after being on a phone call XXXX hour XXXX minute with no solution to the issue. My Information has been compromised and there has few accounts opened in my name without my authority. I have contact original creditor and they have agreed and close out the account however it's reporting due Transunion negligence. On XX/XX/XXXX I sent out proper documents and XX/XX/XXXX I sent out XXXX  fraud XXXX. XXXX has removed accounts for my credit report on XX/XX/XXXX and XXXX of XXXX and XXXX have removed accounts on my credit report XX/XX/XXXX. Admission is to deletion, the other credit bureaus have removed it then Trans Union should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Transunion has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Transunion also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. I've been told numerous of guys from the Credit representative and they have failed to do any type of proper verification or to acknowledge my documents that were sent. There's also numerous address on my credit report that does not belong to me. During YOUR investigation period, Transunion REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but I was also told thy can't and will not help. I'm beyond upset. The names the credit accounts are XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX.Debt Company XXXX XXXX ( XXXX ) XXXX court docket # XXXX XXXX XXXX District Court of Maryland XXXX, garnishment judgment for $ XXXX= ( {$8200.00} ) ( {$6500.00} ) + $ XXXXcourt cost fees for a repossessed car Auto loan from XXXX, They went to court on XX/XX/XXXX. I was living in Virginia then and debt pass 7 years old or repossessed no longer liable. I was never informed or live in this state MD, never received subpoenas for court dates.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i looked at my consumer credit profile recently and realised Equifaxhas reported an invalid account on my credit report from XXXX XXXX XXXX XXXX account Number XXXX i have never done business with the furnishers of this information and i have no knowledge of this transaction. this account has been disputed and deleted in the past and has recently been deleted by XXXX from my consumer credit profile. the furnisher of this data is adamant on violating my rights in conjunction with equifax whom as a company is aiding and abetting to such a violation of my guaranteed rights under Federal Law passed by the United States House of Representatives. This account is associated with innacurate peronal information which has been disputed, invalidated and deleted by both transunion and experian. Reporting this debt is a gross violation of my rights under the FCRA guidelines. Delete all records of this account from my credit report. i have also attached evidence of the letter i received from XXXX XXXX XXXX showing a different account number for the same {$55.00} dollar debt. i demand this account be deleted immediately since it is costing me a lot of money. i have attached screenshot evidence of the the account that i demand to be deleted and i have highlighted the information as well. THIS ACCOUNT HAS BEEN PREVIOUSLY DISPUTED INVALIDATED AND DELETED. take note of attached letter from debt collector/furnisher of information with different account number for the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed that this debt continues to report despite there being no validation made. I have sent several letters to CBE Group for them to send me validation of the debt and have yet to hear back for any of them and it's been well over a month. Under the FDCPA, I have the right to request validation of the debt you say I woer you. I ask that CBE provide me with documentation that I am bind to pay this debt to them. I ask that CBE provide me with evidence that I have any legal obligation to pay them. Reporting invalidated information to any of the three major credit bureaus might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on my credit, I will not hesitate in bringing legal action against CBE for Violation of the FDCPA and Defamation of Character. If your offices fail to validate any debt I ask that all collections be deleted from my credport and copy of such deletion letter shall be sent to me.