23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am not liable for the debt with XXXX XXXX XXXX. I do not have a contract with HELVEY & ASSOCIATES INC. They did not provide with the original contact as requested. I believe I was a victim of identity theft as I dont and never had revolving credit. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Failing that, the item must be deleted from my credit report as soon as possible as I am not liable for the debt with XXXX XXXX XXXX, I do not have a contract with HELVEY & ASSOCIATES INC either. I did report to the XXXX
Product: Credit card or prepaid card

Account number ending in XXXX Case Number : XXXX XX/XX/2022 Purchased USED video card from XXXX XXXX  that was cost {$1100.00} using my Discover card. XXXX sent me a different video card from the one I purchased. I looked online reviews of the XXXX XXXX  and it's 2 out 5 stars, people are complaining about different issues with used items sold at XXXX XXXX. I contacted XXXX multiple times in regards to returning the video card back to them, but XXXX is not providing me with the return label nor the return shipping address so I can ship it back to them. Contacted Discover card and filed the dispute, sent the pictures of the video card received, multiple explanations and documents proving that I receive the wrong item and still Discover charged me for the wrong item I received from the merchant, with no explanation whatsoever from XXXX why the wrong item was shipped to me. Paying more than {$1000.00} for the item and not having it is ridicules and Discover did absolutely TOTALY ZERO to protect their customer.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

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




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a 30 days late on my credir report I wrote to XXXX bank / belks because i thought i sent in my payment the company sent me recepts of my payment the last payment was XX/XX/2018. I sent in another payment in XX/XX/XXXX and it went toward the XX/XX/XXXX payment. on my credit report it shows the account closed but there is another account still open on the credit report this account have not closed.
Product: Student loan

XX/XX/XXXX Sallie mae/Navients normal web page was down as far as making payments, and so the site redirected me to a seprate page, I made the payment, but apparently entered in an incorrect number for my account. I realized the mistakes days later when i saw no change in my balance. In realizing the potential problem I called to ask for verification that the payment went through, they told me they will put in a request and then never got back to me. 

Weeks later they call me with one of their automated systems telling me I was being sent to collections for not paying the amount due. At that moment i explain to them my having called previous to ask about it and then paid for both that month and XX/XX/XXXX. 

During XXXX XXXX weekend of XX/XX/XXXX, i recieved atleast 3 calls from sallie mae/navient to tell me my loan payment for the prievious month is late for somewhere between 200-400 dollars. This Automated system did this through the weekend even though when you go through the process during at that time there is no one at debt collection. Meaning every time I was xalled through that weekend it was just to burdun me and leave me feeling harassed! It wasn't till the week after that i was able to reach someone. And in trying to explain my situation to the operator on the phone, she was somewhat grough with me as i tried to explain the money was inappropiately allocated, and acted as if the issue was my fault. It took a second phone call to get someone to actually listen and see what their system did! 

During this time they also inconvenienced and harassed my Grandmother and Aunt who where my co-signers. 

When I called to ask about taking them off as co-signers they told me I would need to be in good standing of paying my loan for 2 years for that to happen, but at that time without the incident at hand that would have been the case. 

I have also had issue with there conduct as far as changing my loan payment schedule. Last year the loan payment due was well over 50 % of my monthly income, and in asking to lower it, they tell me I had no available opinions, and on one specific call to ask for assistance my call was dropped no less than 4 times, and sent to collections 3 times even though my account was upto date. And finally when I did get to finally talk to someone who actually took the time to talk to me.
Product: Credit reporting or other personal consumer reports

In 2015 my vehicle which had XXXX insurance was totaled out. Insurance paid the majority of what was owed on the vehicle and XXXX told us that the XXXX insurance that was purchased through them would take care of the the remaining balance. However they keep adding it back to my credit report as it is a new debt and it is currently owed. This is well over the time limit of them being able to report said debt, and they will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX I received a notification that I was added as an authorized user on a XXXX XXXX XXXX account that made 100 % of payments on time. I thought this was odd and atypical of a fraudulent account so I checked with those close to me if they had added me. My parents recognized the account as one of theirs but had not added me ( I believe this as they have 0 reason to add me and that is their least used credit card ). It came up on my XXXX report as FNB Omaha and has an account opening date of XXXX XX/XX/XXXX.
Product: Debt collection

DEBT AMEX ACCOUNT DISPUTE XXXX DATE XXXX XXXX Dear sir/Madam, I am writing to formally dispute the account listed under account number on my credit report with an amount of {$3500.00}, as I do not recognized this debt.this account is reported as charged off with a profit loss/write off ; However I have been receiving multiple collection attempts from this company.Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights
Product: Checking or savings account

On XX/XX/XXXX I called USAA because I tried logging onto the app to access my funds, and it said my account was locked. I called the same day and they had me submit my ID to a USAA website and said they would call me within 24-48 hours. 

On XX/XX/XXXX, I called USAA again because I hadnt received a call and I asked to speak to the fraud department or another department and they told me that the fraud department did not have a phone number and that I would just have to wait and that there was nothing they could do. I had bills to pay. 


On XX/XX/XXXX I called again because I had not received a call and requested to know why my account was locked and still was not given any information and was told there was nothing they could do. 

On XX/XX/XXXX, I called again and was told it could take 6-10 business days to hear back, a stark difference from 24-48 hours. Still did not receive any information and could not reach another department.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, i sent equifax letters regarding unauthorized inquiries that are reporting on my credit report USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX, these companies obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification within 15 days. 

Please mail me an updated copy of my consumer report within 30 days of receiving this letter. Should you not delete the above unauthorized credit inquiry. they hasn't responded thus far
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OlloXXXX XXXX XXXX XXXX Subject : Request for 1099-C Form and Clarification of Debt Status Dear Ollo/XXXX I am writing in regard to an account that you have reported as " charged off '' on my consumer report. According to the information you have provided to the credit reporting agencies, this debt has been classified as a charge-off. Under federal law, if this debt has been charged off and effectively cancelled, you are required to issue a 1099-C Cancellation of Debt form for tax purposes. 
Request for 1099-C If the debt has indeed been charged off and cancelled, I formally request that you provide me with a copy of the 1099-C form that was sent to the IRS for my records and for tax reporting purposes. Under Internal Revenue Code, 26 U.S.C. 6050P, creditors are required to issue a 1099-C when a debt of {$600.00} or more is discharged or cancelled.

Clarification of Reporting If you have not reported the cancellation of this debt to the IRS and no 1099-C form has been issued, this suggests that the debt may not actually be cancelled. In that case, your reporting to the credit bureaus is incorrect and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits the reporting of inaccurate or incomplete information on consumer credit reports.

Immediate Action Required I kindly request that you take the following actions : 1. Provide a copy of the 1099-C form for my records if the debt has indeed been charged off and reported as cancelled.

2. If no 1099-C has been issued, correct the inaccurate information on my consumer report and confirm that the account status has been updated accordingly.

Failure to provide the 1099-C form or correct the inaccurate reporting will leave me with no choice but to file a dispute with the credit reporting agencies and report this matter to the Consumer Financial Protection Bureau ( CFPB ), as well as pursue any legal remedies available to me under the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate or in error. My personal information, as well as several accounts, have been reported incorrectly, and I believe that these errors are having a negative impact on my credit score. 

The account number and previous addresses reported on my credit report are incorrect. The previous address listed is not my address, and the account number does not correspond to any account that I have ever had. 

Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX  have reached the statute of limitations and should be removed from my credit report. 

The XXXXXXXX XXXX XXXX account listed on my credit report ( account number : XXXX ) is not a business that I recognize, and I request that this account be deleted from my credit report. 

The account information for XXXX XXXX ( account number : XXXX ), XXXX XXXX  ( account number : XXXX ), XXXX XXXX ( account number : XXXXXXXX XXXX XXXX  ( account number : XXXX ), and XXXX ( account number : XXXX ) is questionable, and I request that this information be clarified or deleted from my credit report. 

XXXX XXXX XXXX XXXX  account ( account number : XXXX ) is another business that I can not recognize, and I request that this account be deleted from my credit report. 

I believe that these errors are in violation of the Fair Credit Reporting Act, which requires that credit reporting agencies ensure the accuracy and completeness of the information on credit reports. I request that these errors be corrected as soon as possible, and that you provide me with written confirmation of the corrections made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am again reporting portfolio recovery services because again I did not give them permission to obtain any debt. They bought my debt without my permission that is against FCRA they did not notify me until after the transactions were already done that they now own my debt I do not owe portfolio recovery services anything They fraudulently did this behind my back. They claim they sent me notifications which they did only after I repeat after they bought a debt that they had no right to buy or it was transferred over and I got no notification. I do not owe portfolio recovery services and I asked to be removed from collection.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX BALANCED {$3100.00} XXXX XXXX XXXX BALANCED {$1200.00} XXXX XXXX XXXX XXXX BALANCED {$1200.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX BALANCED {$590.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

I opened the account with Bank of Montreal on XXXX. There was a {$400.00} bonus if a customer makes direct deposits totaling {$7500.00} or more within 90 days. I fulfilled that condition. However Bank of Montreal refused to pay the bonus citing that my direct deposit was NOT a direct deposit but a transfer. I provided my employer with my routing and account number for my direct deposit. I have no control what mechanism they use to send me my pay. Other banks have had no problem recognizing my direct deposit as such, only Bank of Montreal refused to recognize it.
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. 

XX/XX/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, XXXX Equifax Mortgage  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX Equifax Mortgage Service XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Equifax Mortgage Servi XXXX XXXX, 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 XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX Equifax Mortgage XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Equifax Mortgage Service XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Equifax Mortgage Servi 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: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit report, I noticed some accounts I am not familiar with, I have asked the XXXX for validation of debt however the information has not been provided. Due to my information being exposed, I have submitted an ftc complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, The FTC Complaint, Copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter.
Product: Mortgage

I filed a complaint on XX/XX/year> complaint ID XXXX. All they did was lie about us not making payments and they returned my checks. They didn't and I went back to my bank and got proof of every payment which they accepted. They did not sent out the notices they said they did. This bank is getting by with ripping people off and getting by with it. One of they ways they are doing this is because they think they can sell your home before you find out about what they are doing and their customers can't afford to fight with them! If you don't believe this look at all the complaints they have against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX - XX/XX/2019 According to

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, A XXXX ; XXXX XXXX XXXX XXXX XXXX, A XXXX ; XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX has been absolutely destroying my staggering reputation by reporting false information for years. I have reached out to them numerous times about this situation. XXXX XXXX Still hasnt fixed there mistakes. In accordance with the fair credit act XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX has used my report improperly for long enough XXXX already deleted this account from my report now its Experian XXXX XXXX still reporting false information for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau '' s are reporting inaccurate information on my credit report
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX