23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I signed up for Kikoff in early XXXX  based on their claims that it would improve my credit score, report positive tradelines, and even help dispute negative accounts. None of that happened. My credit score did not improve, no disputes were filed on my behalf, and the product did not function as advertised. 

I canceled the account in XX/XX/year>, after paying over {$240.00}. Despite canceling, Kikoff has continued to report the account to credit bureaus, and now it is even showing late payment activity, which is completely inaccurate since I was no longer using or subscribed to the service.

Ive contacted Kikoff several times asking for this tradeline to be removed. They refuse, stating they can not delete it, which is false as the data furnisher, they have the right and responsibility to correct or delete inaccurate or misleading information under the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

I have had resent issues with BBVA charging me extended overdraft fees. Im being charged {$23.00} a week. Despite unauthorized charges they refuse to dispute. The refuse to address how my debit card has got skimmed twice and how a new debit card I had replaced somehow for compromised before I was even able to use it. I was not charged the extended overdraft fees prior this is a recent occurrence. Im being charged overdraft fees for .99. Charges. Even when I have replaced my card some of the new charges have still processed on my debit card. I also had my savings recently closed after being told that they would freeze it avoids any further unauthorized ACH payments. I was told I could transfer or deposit money because the account was frozen. But I was charged extended overdraft charges weeks after it was frozen and right before they closed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for fraud. I have tried numerous times to have this situation resolved with no resolutions. 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 saw some inaccurate accounts from my credit report and I want It removed but please remove them as soon as possible.
Product: Credit reporting or other personal consumer reports

I informed the representative of Credit Bureau of the current inquiries on my credit report were all based on Business transactions and not personal. There is no basis for these inquiries to be on my credit report especially with the business having no connection to these accounts. 

I asked for them to acknowledge the statute : 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

Please remove the following items : 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX, XXXX. for Citibank , N.A . 
XXXX XXXX XXXX, XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # ending : XXXX Filed a lawsuit without sending a demand letter, validation notice or debt validation letter not allowing me to get verification of the debt. Violating my ( FDCPA ) rights. 

Filed a lawsuit on XX/XX/year>XXXX XXXX
Product: Mortgage

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX i have called in to kentucky housing corporation main number, i work XXXX -XXXX XXXX est by the time i get off work they are closed unable to be reach. kentucky housing corporation has no complaint management system, they have not followed up with me, and disrespected me upon calling in and trying to get my account fixed, they reported my account in default have never contacted me back on XX/XX/XXXX i was transferred from the main line to collections to make a payment and got disconnected from. i am being forced to pay fees to make my payment and late fees and having my credit being reported badly as a missed payment. i've done my due diligence to make my payments set up online, except as i was logging in from XXXX they have cancelled my online access never allowing it to be restored. they are acting under fraudaulent pretences and have not captured any complaints i've made in calling to them. i want my fees paid back to me, my online account access restored, and a written letter of stating you are fixing my credit bureau, who i am also making aware of the terrible business practices kentucky housing corporation is handling accounts, and treating people with no respect like we are nothing to them just terrible people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This is an inquiry I have no idea where it came from or who did it.
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report, and I have no idea why they're there. I routinely check my report, but this time, unexpected discrepancies appeared. I tried refreshing my browser, hoping it was a glitch, but the inquiries remained. Im really frustrated by this and need the documents I submitted to be thoroughly reviewed so I can finally put this issue to rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DPT ED /XXXX Account # XXXX, DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX and XXXX ACCOUNT # 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 called and sent In letter to credit agencies about deleting my wrong name my new name I XXXXXXXX XXXX XXXX XXXX And my only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Nevada XXXX I would like XXXX XXXX XXXX deleted off my credit report
Product: Debt collection

Resurgence Capitol calls several times a day for payment that has already been arranged. They claim ownership of several accounts and threaten to sue if I don't agree to set up auto pay with them. I've asked for proof of debt and communication to be made strictly by mail. I still receive multiple emails and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount Financed : {$38000.00} Monthly Payment : {$800.00} Reported Outstanding Balance at Date of Loss : {$32000.00} Vehicle Totaled : XX/XX/XXXX XXXX Paid : {>= $1,000,000} XXXX Paid : {$1900.00} Wells Fargo Showing Outstanding Principal Balance : {$8600.00} Wells Fargo has falsely and inaccurately been reporting to all three credit bureaus that I have not paid any payments at all on the loan and still currently reporting that the loan is late by XXXX days. It also shows that the balance is higher than the amount that was financed at the date of purchase, which is incorrect. I have made all required payments less than the XXXX payments that were deferred. Even after XXXX and XXXX made their payments, Wells Fargo has failed to update the account to reflect any payment received and the updated status of the account. Wells Fargo Dealer Services is reporting as if I have never made any payments and owe them more than the amount financed, which is damaging and false.
Product: Credit reporting or other personal consumer reports

Dear CREDIT COLL, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act.

It has unequivocally come to my attention that CREDIT COLL has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for CREDIT COLL to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CREDIT COLL immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CREDIT COLL will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I previously just filed a police report # XXXX with the XXXX police stay about these fraudulent accounts please investigate and delete these unknown inaccuracies XXXX XXXXXXXX # XXXX {$4700.00} XXXX XXXX # XXXX {$5000.00} XXXX XXXX # XXXX {$19000.00}
Product: Debt collection

I already paid the debt in question. They sued me in a county I do not live in and did not sign the contract in. They never served me at any point, but said they did. My first notification of the dispute was through a postcard from XXXX XXXX courthouse saying I had a default judgement I was never given the opportunity to dispute and never served on. I absolutely want a chance to say I borrowed from Eagle Finance and paid them back in FULL in 2022. I do not agree with the judgement and believe I was not notified and it was sent to a court with out jurisdiction because they KNEW they debt in question was not correct.
Product: Money transfer, virtual currency, or money service

I already wrote a claim on my email XXXX but I have updated news on the case, What happened was that XXXX $ were sent to PayPal user XXXX, XXXX $ were sent using pay pals feature goods and services I was able to get that back but the remaining XXXX $ werent because they were sent thru pay pals feature friends and family Pay pal told me I wasnt able to get that back to call my bank to file a claim I did and I got a letter in the mail saying I can get the money back and I called and they told me the same thing, I really need the XXXX $ back the person who scammed me I paid him to reactivated my XXXX account ( my music platform because it was deleted ) he pretended to be a employee and told him to send him money and hed reactivate my XXXX account and get my payments from my XXXX but he never did he blocked me and I havent heard from him please help I need my money the bank is no help and so is PayPal I need my money for rent I had to give up XXXX and get a new job because I was scammed this guy ruined my dreams and hopes please help his pay pal emails are XXXX and XXXX his name is XXXX please help I added photos of his face book profile and of his pay pal account please help get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX with XXXXl 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: Debt collection

I am distressed about the account listed below on my credit report. According to my rights under the Fair Credit Reporting Act, I am requesting that the following entries below be corrected, modified or removed from my credit file. I am disputing some inaccurate information I have discovered on my credit report.
Product: Debt collection

This is the second complaint I have filed about this debt, please see claim number XXXX. This " debt '' was reconciled with the hospital at the time of service. Therefor, there was never any debt to be had. I am not sure where this company, Sapientes Funding II , LLC, came up with this debt nor the amount. I have tried to explain to them that I don't owe anything and if I do to please show me what information they have expressing that I do. I have been hung up on and ignored so I returned the favor. This company calls all hours of the day and then hangs up when you ask a question. I do not believe this is a legitimate debt and I do not think this is a legitimate company. They harass people over fake debts and post hard credit checks just to bully people into paying them. This is not that much money but it is the principal that what this company is doing is predatory and wrong. Please look into this company.
Product: Student loan

I have called Nelnet 's customer services number multiple times with the latest attempt occurring XX/XX/2023 at XXXXXXXX XXXX. After being told I would be waiting XXXX minutes on the phone before I was put on the phone with customer service I had to wait 3 times that amount totaling to 1 hour and 3 minutes. After waiting this period, the music playing on Nelnet 's side of the phone call stopped and beeping was then heard, signifying that the call was dropped. This was my third attempt to get access to my student loan account that was taken over by Nelnet. I am just trying to pay my student loan off and as this problem persists and I continue to not have access to my account, interest continues to accrue.
Product: Payday loan, title loan, or personal loan

AD ASTRA Recovery Services ( XXXX XXXX XXXX ) This was originally a letter reminder from XXXX XXXX for pmt due within 10 days of date on letter. Pmt was taken from checking account within 2 days causing many overdrafts. We went into XXXX XXXX, XXXX, Colorado and showed letter, explained problem, were told nothing could be done. We reversed pmt through our bank. Later we received collection letter from AD ASTRA demanding {$110.00}. We sent AD ASTRA in KS a debit card number with signature on pmt stub so the issue would be resolved. One month later, we received another collection letter and determined the debit card was not charged, so we obtained a bank money order and paid full balance of {$110.00} by XXXX XXXX  Money Order ; mailed to KS address, XX/XX/2019. We wanted to clear up this matter for good! We received 2 more demand letters XX/XX/2019. We attempted to resolve issue over the phone but AD ASTRA contact address and phone on correspondence lists Colorado office address ; that office now shows as closed on Internet search.
Product: Debt collection

A company is attempting to collect debt that I do not owe. There is documented proof that I paid all bills on time ( through XXXX XXXX XXXX. They charged my bank account every month after I sent a check in ( I have bank statements to prove this ) under XXXX account number ( with name, address, phone number ), but they would call me every month saying I did not pay and disconnect my internet. I called them multiple times and complained about this issue and they did nothing to fix it. It was discovered that they had XXXX account numbers under my name ( their mistake, as this was the first and only time I used their service ). Because of this mistaken second account, they are sending me to collections. I paid payments as necessary every month. I should not pay any debt, as there is none. I sent this proof to a collection agency last spring and now I 'm being contacted by another agency regarding the same collection. What can I do? Also, will this harm my credit score? If so, XXXX XXXX needs to fix it, as it is their fault, their mistake.
Product: Debt collection

CREDENCE RM is claiming that I owe them {$430.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

I am disputing multiple items on my credit report under various provisions of U.S. law, specifically focusing on the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Validation of Debt ( 15 U.S. Code 1692g ) : For several accounts listed in my credit report, I am requesting that the debt collectors provide verification of the debts. This includes submitting the original signed documents ( e.g., contracts, notes ) and proof of their legal ability to collect the debt, such as a notarized agreement with the original creditor. Under the FDCPA, debt collectors must cease collection efforts until they validate the debt. Failure to provide this information could result in the removal of the items from my credit report.

Disputed Accuracy of Credit Information ( 15 U.S. Code 1681i ) : I am also requesting updates to certain accounts, stating they were paid as agreed and never late. Under the FCRA, I have the right to dispute inaccuracies on my credit report. If the credit reporting agency fails to correct these inaccuracies within 30 days, I could seek legal action. 

Legal Consequences for Non-Compliance : I have informed the recipients that if they do not provide the required verification or correct the inaccuracies within the 30-day period specified by the FCRA, I may take legal action. This could include filing a suit in federal court or a small claims action for violations of the FDCPA, FCRA, and potential defamation or negligent enablement of identity fraud. 

The letter is a formal demand for the removal or correction of the disputed items, based on my rights under these federal laws.
Product: Debt collection

JH Portfolio Debt Equity is a company reporting identity theft information to XXXX. After receiving the negative information from XXXX I call JH Portfolio and informed them the information is fraud and was also in bankruptcy. I ask to have the information remove. The information remained in my account and was never removed. The information is damaging to me, it is destroying the intent of getting the Home Equity Line of Credit. I want it remove and my credit score back to XXXX befor the damaging report.
Product: Debt collection

United Recovery Systems has repeatedly called my family members from numerous numbers, after being repeatedly told to stop calling. I have contacted them, and they are threatening to have me arrested on fraud charges at my job over a debt from 2 years ago. I have not received any paperwork in over a year regarding this debt, so I assumed it was charged off on my credit. I will settle the debt with the original creditor, not the debt collection agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy reporting associated with my name and identifications. It has come to my attention that the credit reporting agencies are reporting an alleged bankruptcy, which I believe to be inaccurately attributed to me. Under the Fair Credit Reporting Act, ( FCRA ), I am requesting that you verify whether this bankruptcy is correctly matched to my personal information. As you are aware, the FCRA requires that all the information reported by the consumer reporting agencies be accurate and verifiable. If you can not prove documentation proving that this bankruptcy is accurately matched to me, it is your obligation under the law to immediately delete this information from my file. Inaccurate or unverifiable information must be removed within XXXX  days of my dispute, per FCRA guidelines. Failure to correct or verify this information constitutes defamation of character and identity theft. If you fail to act, your willful non-compliance will cause me no choice but to pursue legal action. Please update me with the results of the investigation and immediate deletion. I would also request you contact the credit bureaus ( XXXX, XXXX, XXXX, Innovis ) and have the entry deleted from their records as well immediately.
Product: Credit reporting or other personal consumer reports

ACCOUNTS RECEIVABLE MA Original creditor : XXXX XXXX XXXX  ESTATE Account info Account number XXXX Id theft victim
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company, or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

ACCOUNTS : XXXX XXXX XXXX and XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, which has resulted in identity theft. Fraudulent accounts have been opened in my name, and I am requesting that the following accounts be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The fraudulent accounts are as follows : XXXX. XXXX XXXX XXXX XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$1000.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$00.00} XXXXXXXX XXXX XXXX XXXXXXXX - Account ending in XXXX Opened on XX/XX/XXXX - Balance : {$300.00}
Product: Credit reporting

As a judgment against me, case # XXXX out of XXXX XXXX XXXX XXXX, is listed, but lists the account status as " Unknown. '' I have been denied housing and utilities on more than one occasion in past due to this record being inaccurate. As a public record, anyone can see that the debt has been satisfied, paid in full, in XXXX of 2012. As it seems that the credit reporting agencies do n't have the time to investigate what they report, I would appreciate the help in urging them to do so.