23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company was calling me every day multiple times a day I asked them not to contact me and they continued to I have a XXXX  and they have harassed me to the point of waking my XXXX  up from multiple naps in a day. The also tried to call my boyfriend even though his number was never provided by me to them or the original company. He has also asked them to stop calling. Also this debt is fraudulent because I cancelled my services with XXXX on two separate occasions and they arill charged me for two months of service after cancellation was confirmed.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Product: Debt collection

This is my complaint. The company is XXXX XXXX XXXX, a debt collections company. I owed a bill, which I was not even aware of until it showed up on my credit report. I paid the bill On XX/XX/2020. I was told that it would be reported to the credit bureaus within 30-45 days, and that it would also be removed. I have made several calls, spoke to several reps, and supervisors, which, I have names, dates, and times, and NONE OF THIS HAS BEEN DONE!!. I keep being told that they sent a letter in XXXX, however, I have checked my credit report bi-weekly, and it has not been reported at all. Please assist me in this matter, or give me some direction as to how to get them to do what they are suppose to do. Thank you in advance. The amount was for {$300.00}.
Product: Consumer Loan

As part of the application process for receiving the loan for my car, the dealer required me to provide references to be approved for the loan. I am currently behind on my payment due to an issue with my bank that I am trying to resolve. The lender is calling my references telling them directly that I am 13 days behind on my payment. They are also leaving harassing voicemails on my references ' voicemails. My reference have asked them to stop calling yet they continue to call almost daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX is required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXXXXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Despite me having clear communication with them on my financial situation I am being called at least twice a day daily by navient student loans. I 've advised them that I feel harassed and that my financial situation will not change within 24 hours and they tell me until I pay them their money they will keep calling me as much as they want
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX {$570.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$0.00} XXXX {$0.00} XXXX  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

When I check my credit report today I see many hard inquiry in my credit report is not me
Product: Mortgage

Due to the global Covid-19 pandemic I entered into a payment assistance program for my mortgage with Bank of America ( BOA ) where my payments were supposed to be deferred, no late fees no reporting to the credit bureaus for three months XXXX, XXXX and XX/XX/2020. The payment assistance program was scheduled to end on XX/XX/2020. However, as my income was restored I opted to exit the payment deferral program early on XX/XX/2020 and continue to make mortgage payments. I received a letter stating that I was unenrolled in the program successfully. I also spoke with a BOA employee and received a confirmation number of the cancellation of my participation in the program. In XX/XX/2020 BOA put me back into payment program without my consent. In XX/XX/2020 BOA changed my account number for my mortgage loan. In XXXX confirmed that my mortgage payment for XX/XX/2020 would be reported on my BOA account by XX/XX/2020. But instead they simply reenrolled me into the payment assistance program without my consent and did not reflect my XX/XX/2020 online payment. BOA claimed that I asked to be enrolled in the program on XX/XX/2020 but my payments were/are current and I did not request to be re-enrolled into the program. They also added {$1000.00} plus dollars on my account with no explanation. In addition, BOA reported to the credit bureau that I owed an additional XXXX on my mortgage loan. In addition, my credit score dropped points as a result of this falsification of my mortgage account on behalf BOA. BOA also put a note on my credit bureau accounts but I do not have access to what information they wrote. As a result, I am not able to refinance my mortgage and get good terms and interest rates. 
Furthermore, my escrow account is in a negative balance even though I have been paying my loan. They not provided explanation for the deficit in the escrow. I am submitting this complaint on XXXX XXXX, 2020. My payment has ben submitted for my mortgage on-time for XXXX payment but since BOA can not confirm my exit from this program I am also worried they will not report my payments and the due date is of XXXX XXXX, 2020 is approaching. The keep sending me email messages that I have not paid XXXX mortgage but I paid it already. I paid XXXX mortgage XXXX and XXXX mortgage on XXXX XXXX, 2020. There are discrepancies in the amount BOA has for the principal, interest and escrow. Statements from XXXX, XXXX, XXXX and XXXX say conflicting amounts that do not make sense
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with Bank of America online. The application was no processed because they wanted more verification of identity. I called their customer service and spoke with an associate who told me they had not began processing my application at which time I told her Im not sending in any verification of identity and I no longer want the card and I I dont Bank of America to to inquire on my credit report. She assured me that they hadnt started the application and no inquiries would be made. But as I checked my XXXX  report the following there was a hard inquiry by Bank of America.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted XXXX and told them that this inquiries are fraudulent and provided proof, even though they told me that this inquiries were verified. 
Please dispute and remove this fraudulent information from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Barclays Bank has an account still opened that I never was associated with. I never gave my consent to anyone to use my information to open this fraudulent account. Only I can determine what is fraudulent under law and this is account has never been associated with me.
Product: Credit reporting or other personal consumer reports

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

Account Name & Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. The bankruptcy court do not report to the credit bureaus that is a violation of my hippa rights
Product: Credit reporting or other personal consumer reports

NOT DEBT VALIDATION REQUEST. My rights have been violaoted In re XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX. XXXX XXXX ) they ruled if a financial institution has filed a Form 1099C with the Internal Revenue Service, cancellation ordischarge of a debt has, in fact, occurred. 

They stated it was inequitable for a debtor to claim cancellation of debt income as gross income while still allowing the creditor to then collect it from the debt and that issuance of a 1099C, when coupled with payment of income tax, cancelled an otherwise collectable debt. 

You are therefore violating the 15 USC 1681eb for maximum accuracy by inaccurately reporting INCOME as a debt .ALSO Income is prohibited from consumer reports.These are the violations : XXXX XXXX FAILURE TO RESPOND SATISFACTORILY TO THIS MATTER MAY RESULT IN A SMALL CLAIMS ACTION AGAINST YOUR COMPANY SEEKING {$1000.00} PER VIOLATION FOR : 1.DEFAMATION 2.NEGLIGENT ENABLEMENT OF IDENTITY THEFT 3.BLATANT VIOLATION OF MULTIPLE FCRA VIOLATIONS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Debt Validation Request Account Number : XXXX Date Opened : XX/XX/XXXX ________________________________________ Dear Sir/Madam, I am writing to request validation of the debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of this debt and requesting that you provide me with the following : 1. Proof that the debt belongs to me ( including the original creditor 's name and the total amount owed ).

2. A complete payment history from the time the account was opened until the most recent transaction. 
3. Verification of your authorization to collect on this debt on behalf of the creditor.

4. The exact loan type and terms of the revolving account, and whether it is classified as a credit card. 
Please cease any collection activities until this information is provided in writing and I have reviewed it for accuracy. Additionally, if this debt has been reported to credit bureaus, I request that you notify them that the debt is under dispute until validated. 
I expect a response within 30 days, as stipulated by law, confirming or dismissing the claim. Failure to provide this documentation will confirm that the debt is invalid, and no further contact will be necessary. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is a list of items I'm asking you to verify as accurate : Bridgecrest Credit C Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX Thank you so much for your prompt attention to this matter. 

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

I have attempted to call Experian 6 times and each time the IVR will not get me to a person and will hang up. There is a fraudulent account on my credit report. I have tried for 3 months to get this removed but I keep getting declined by their system or hung up on. I have proof sent by the collections company and I have sent it in. They have not removed it as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS. 
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  15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C. 1681 SECTION 602 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

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

There are several late payments from the months of XX/XX/XXXX to XX/XX/XXXX that are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note this is not a debt validation request. This is a request to be removed from credit reporting according to the consumer laws noted. 
( 15 USC 1681 ) According to the U s consumer laws I have a right to privacy.

I request for all of the disputed accounts to Cease Desist credit reporting.

I repeat, I invoke my privacy under the consumer laws to cease credit reporting on the disputed accounts.
Product: Debt collection

For approximately XXXX-months, I have attempted to resolve a " Collections '' matter with XXXX XXXX   C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, South Carolina XXXX. Currently, XXXX XXXX is attempting to extort approximately {$8700.00} from me. I have repeatedly sent formal letters to XXXX XXXX  demanding account proof of ownership. To-date, XXXX XXXX provided a copy of the first page of the monthly credit card statement dated XX/XX/XXXX. Moreover, statement did not identify me as the owner, albeit statement listed a former address. Pursuant of the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ), XXXX XXXX must provide the original credit application with my signature, individual signed receipts for " ALL '' merchandise purchased and name, address, phone number and account number of " ORIGINAL '' creditor. I spoke to XXXX XXXX representative i, e, XXXX XXXX on XXXX XX/XX/XXXX @ XXXX. I was told " We are not required to provide detailed account information i.e. Original Application etc. '' I demanded all documentation in XXXX XXXX XXXX custody. After exchanging expletives, XXXX XXXX representative hung up the phone. Finally, I attempted to contact XXXX XXXX  XXXX ; however, account number provided by XXXX XXXX is inaccurate.
Product: Credit reporting or other personal consumer reports

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX  XXXX to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

XXXX XXXX XXXX - XXXX Last 4 digit of SSN : XXXX
Product: Credit reporting or other personal consumer reports

Data Breach with all my information and according to USC15-1681I with all 3 credit bureau please have all debt removed
Product: Credit card or prepaid card

Capital One Spark Business solicited a business credit card in XX/XX/2020. They offered {$1000.00} cash bonus if {$10000.00} is spent in the first three months, {$0.00} fraud liability and unlimited 2 percent cash back on every purchase. They provided a reservation # and an access code to apply online. I applied online and my application was approved with a credit limit of {$5000.00}. I started using the card. 
Through XX/XX/2020, I charged {$2700.00}. It was paid in full on XX/XX/2020. 
Through the next billing cycle, charges were {$4400.00} which were also paid in full in a timely manner. The balance was {$0.00}. 
On XX/XX/2020, I ordered face shields for {$46.00} ( shown on statement : XXXX, no other information such as order number or contact number was provided ), on XX/XX/2020, vacuum cleaners for {$180.00} ( shown on statement : XXXX, no other information such as order number or contact number was provided ), on XX/XX/2020 trimmer for {$21.00} ( Shown on statement : XXXX, no other information such as order number or contact number was provided ) and on XX/XX/2020 cell phone cases for {$43.00} ( shown on statement : XXXX, no other information such as order number or contact number was provided ). 
As we never received the merchandize, we contacted Capital One to obtain vendor contact information, however we were never provided with the information. As such, we could not contact the vendors. Then, we contacted Capital One to place the four items in dispute. At that time, as a standard practice, they asked me for the last four digits of my Social Security number. When I gave the number, they said it did not match with the number on their files. They asked me to provide a copy of the social security card, copy of the driver license and a copy of the utility bill to prove that it was me. 
All the documents were submitted to Capital One by email. Capital One came back saying the social security number still did not match. They permanently restricted my account. They would not entertain any request those four fraudulent activities.

In the meantime, I returned one of the other items I purchased from XXXX  and the vendor credited that money, {$26.00} to Capital One card account. Capital One is also refusing to return the money. 
I charged close to {$7200.00} in just over a month and would have charged more than {$10000.00} to earn my cash bonus. 
Capital One did not let me use my account to earn that bonus ( {$1000.00} ), they did not take any action against the fraudulent activities ( {$290.00} ) and is not returning the credited amount ( {$26.00} ). 
We contacted Capital One several times to obtain the merchant information. We were never given that information from Capital One, so we could not contact the vendors. 
Copies of the original offer and of credit card statements are attached for your use.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to dispute the reporting of a late payment on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have contacted the bank regarding theselate payments, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and have agreed to make the necessary changes. 

According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. I also request a copy of my updated credit report once this correction has been made.
Product: Credit reporting or other personal consumer reports

I have disputed space coast credit union multiple times about my credit report in collections for a debt that is not mine. I have requested a debt validation letter and havent received it. Please remove off my credit report asap as its affecting my credit report. This account was opened without my consent. I have notified and sent letters to XXXX, XXXX and XXXX dispute and they keep updating and verified the inaccurate collection of something is not done immediately I will be filing a lawsuit against XXXX XXXX, and XXXX  as this is affecting my credit. I never had a account with space coast.
Product: Student loan

In response to my complaint # XXXX about AES, in which I maintained that I NEVER signed ( electronically or otherwise ) a federal loan consolidation application and promissory note in 2005 and from whom I asked for documentation proving their allegation that I did so, they responded to you ( but not directly to me ) that any documentation of proof I requested repeatedly is " UNAVAILABLE. '' Now, XXXX is threatening seizure of federal and state tax refunds to offset the now {$30000.00} allegedly owed by me. It seems to me that the notion of " burden of proof '' is upside down here. I maintain that I did NOT electronically sign the consolidation document in question and further asked for documentation pertaining to the original loan. How can a person prove that she did NOT sign ( electronically or otherwise ) a document that bears no signature, contains numerous mistakes and missing information? It should be quite easy for a reputable company to provide proof of such a signature. My dispute with AES and now XXXX has gone on for almost two years, with no relief or even reasonable responses. Please help!
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX