23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Reported Account Number : XXXX Reported balance : {$110.00} XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. On XX/XX/2018 I sent a letter to First Credit Service at the  postal address stated as their mailing address taken from my credit report. The letter was delivered by certified mail ( see attached ) requesting full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have experienced Identity Theft and I am still recovering from the turmoil. My request for validation included competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that proves I am obligated to pay was never made available to me. I made it clear in my letter that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. It is ridiculous that is is now over 250 days since my request for validation ( see attached certified mail verified as delivered ) and I have not received a reply. This is over the 30 days time frame and this collection company is out of compliance. Under advise, I wish to informed First Credit Service that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated  account from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : XXXX. XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing fraudulent and inaccurate reporting of a XXXX XXXX XXXX account on my credit report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 requires credit furnishers to report complete, accurate, and consistent information across all credit bureaus. However, XXXX XXXX XXXX has falsely reported my account as a repossession and foreclosure, which is completely untrue.

This account was NOT a repossession or foreclosure. My vehicle was a Lemon Law buyback, and the loan was paid in full by XXXX. I never defaulted on the loan, and the lender suffered no financial loss.

The following false information is being reported : Equifax : Reports the account as " Repossession '' with a balance of {$11000.00}.

TransUnion : Reports the account as " Repossession '' with a balance of {$11000.00}.

Experian : Reports the account as " Foreclosure '' with a balance of {$11000.00}.

These false claims are unlawful and severely damaging my credit. The lender and credit bureaus have failed to verify the truth, leading to confusion and financial harm.
Product: Checking or savings account

So i had a chime account and i saw some transactions unauthorized and i disputed the transaction and they denied my dispute and im really upset they only took 1 day to look into this this the date was XX/XX/year> and the amount was for {$340.00} the there was no action they didnt even want to help me i also did a police report and they still denied me
Product: Checking or savings account

On XX/XX/2018 I made a Wire Transfer of {$5100.00} to a Bank in XXXX. I did this wire transfer at my Bank Wells Fargo. I did receive a call from my bank that same day or the next asking if I made a wire transfer, I responded yes. 

On XX/XX/2018 my wife and myself took vacation and we were out of the USA until XX/XX/2018. Wells Fargo made a second Wire Transfer of {$5100.00} to XXXX without any autherization from us. The Wire Transfer went to the same place. 

I have been fighting with Wells Fargo to see if they can Deposit the money to our account so we can make payments that we need. We have bounce checks for insufficient funds and have no money to cover other bills. 

Wells Fargo could not produce a second document signed by me or my wife authorizing the Wire Transfer of {$5100.00} on XX/XX/2018. 

The bank employee and the Bank Manager agree that is was the Fault of  Wells Fargo, but have not made an effort to cover our expensive or temporary deposit the {$5100.00} in our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For many years since XXXX and Present Equifax has put many negatives and collections on my credit report and I have filed many Federal complaints and Equifax ignore in deleting the negative collections and negative marks on my Equifax Credit report. 

Equifax allow their third parties business partners to use my Private information such as Social Security number and all my private information. 
Equifax even had a Data Bleach issues and was sued by Law Firms in XXXX Georgia with a {$1.00} XXXX  Dollars Class Action Lawsuit in which I haven't receive my Restitution Award Settlement check no less than {$50000.00} and XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX Claim XXXX # XXXX Refuses to send my check by US Postal Mail XXXX XXXX, XXXX XXXX XXXX Mail XXXX XXXX Mail XXXX XXXX XXXX requested. 
Email : XXXX I am Respectfully XXXX Life and Retired and a XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX Balance : {$4000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX  XXXX Balance : {$9600.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have no knowledge of this. This account isn't mine. Identity theft Report was already filed.
Product: Debt collection

I received a notification that a collections was added to my credit report. I contacted the reporting agencies and advised that I was unware of this debt, did not receive any prior communication from the collection agency, and lastly, I have full coverage medical insurance through the State of TN for the last 26 years. I have disputed this debt and attempted to reach out to the collection agency multiple times, to no avail.
Product: Credit card

I submitted and FDCPA debt validation request to XXXX XXXX Credit Card, part of Synchrony bank for debt validation on the XXXX of XXXX XXXX. The request had a 30 day time window on it, and was completely ignored by XXXX. I submitted the second letter requesting debt validation to XXXX on XXXX of XXXX XXXX, and once again the request was willfully ignored. The first agent, XXXX whom I spoke to in their collections department was verbally abusive and hung up on me. The second agent I spoke to XXXX was as helpful as she could be but had no idea why they had n't responded to me, and sent me over to XXXX customer service department. The agent in customer service was obviously outsourced and had no idea in the slightest what FDCPA even is. I advised the last XXXX agents to please notate my account, and they told me that in addition to that, the calls are recorded. I understand that I need to report these violations to the proper Federal venues. Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 at XXXX XXXX XXXX, an amount of XXXX XXXX was sent to my Coinbase account. The address to receive XXXX ( on the XXXX XXXX ) for my Coinbase account was XXXX. As you can see on the XXXX XXXX, wallet address XXXX, which is controlled and managed by Coinbase Inc., received the XXXX XXXX. The confirmation is here : XXXX XXXX XXXXXXXX However, the XXXX XXXX has never been reflected in my Coinbase account. It has been six full months of attempts to work with Coinbase 's customer service ( Coinbase case XXXX XXXXXXXX ), including many emails and phone calls. They have acknowledged there is a problem on their end and they have promised they are looking to resolve it. However, after six months of working hard to recover my assets, they have still addressed that it will be resolved and my balance still shows XXXX in my Coinbase account. 

I do not know why they refuse to resolve the situation. Only Coinbase Inc. controls that wallet and the funds were correctly deposited to that wallet, which was the XXXX receiving address for my Coinbase account. 

I appreciate the Consumer Financial Protection Bureau 's support in receiving my lost funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a documented ID theft victim of the 2017 data breach from Equifax. I have been trying for 2 years to repair the damage caused from such breach, however, Equifax refuse to comply.
Product: Mortgage

I paid off my USDA loan mortgage with servicer Flagstar Bank and they accounted for and TOOK my excess payoff proceeds of {$100.00}, directed it to my escrow account, and took more of it which was actually owed back to me, than what was actually owed for my PMI insurance, which they supposedly paid out. I have my loan documents from when I purchased the home, including my Amortization Schedule, which shows the monthly PMI amount, which does not total what they took and supposedly paid out for my PMI once my loan was paid off. I waited over an hour to speak with a manager about it and she checked with my prior servicer records from XXXX and stated that they paid out {$840.00} for the PMI for the year of XXXX and {$820.00} for XXXX, which my PMI clearly decreases each calendar year based on my amortization schedule from this home purchase, yet Flagstar Bank took {$850.00} from my escrow and payoff proceeds towards the PMI final payment. My loan documents amortization schedule clearly show that the amount for PMI for the year of XXXX totals $ 788.28.They directed my {$100.00} payoff overage and put it into my escrow account to payout more than was owed towards my annual USDA PMI and sent me a check back for a lesser amount than I am actually owed. This is FRAUD and THEFT from their former customer, me. I want my money back which Flagstar Bank STOLE from me. I spoke with the escrow and payoff departments prior to paying off my mortgage and not once did anyone say that my PMI was even going to be paid out in XXXX. Horrible staff knowledge and training and horrible customer service. I'm thankful I am done forever with Flagstar Bank and do NOT recommend them, they clearly stole money from me. Management in the escrow and payoff department did not even know how they even determine the amount owed for PMI on my USDA loan. Horrible training and knowledge. I want my money back that was stolen by Flagstar Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a billing error on my report. I am attaching where my late fee was returned from. 


According to Consumer law 15 US Code 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Attached you can see that a billing error was made on my account and XXXX XXXX refunded my late fee amount for the alleged late payment from XX/XX/2017. 
Please remove the late payment from my credit report, due to the consumer law 15 US code 1666 b as a billing error, and use my highlighted letter showing that they made an error and refunded the late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I mailed an investigation request to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but haven't received the results yet.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

An account was opened in XX/XX/XXXX, with Financial Recoveries in XXXX. XXXX, NJ for the sum of {$940.00}. This was included in a bankruptcy, case # XXXX, filed XX/XX/XXXX. Nobody from Financial Recoveries showed up for the 341 meeting of creditors to dispute and the debt was subsequently discharged in accordance with bankruptcy law on or about XX/XX/XXXX. 

Since that time, I have REPEATEDLY contacted Financial Recoveries to have the debt removed from my credit report as it still shows that it is in collections. They initially requested proof of the debt being included in bankruptcy. Verification had been sent repeatedly after repeated claims that the email never came through. I have repeatedly called to try and address this issue only to be given some XXXX  run around with no real answer. They have since stopped answering the phone. I have repeatedly disputed the collections account only to have it kicked back saying its valid. 

At this point I am contacting a lawyer to address this, and am filing a formal complaint. This agency is XXXX  and needs to be dismantled.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} PXXXX XXXX XXXX XXXX XXXX  {$2900.00} XXXX XXXX XXXX XXXX XXXX  {$2200.00}
Product: Credit reporting or other personal consumer reports

Upon the return of my lease XXXX extorted me by threatening to charge me {$750.00} if I did not have their dealer partner replace the brake fluid on the car before it was turned in. This car only had XXXX miles on it after 3 years. The lease was for XXXX miles. The car did not need brake servicing, and this is when fluid is evacuated form the vehicle as part of the normal brake service. This was a totally unnecessary " service ''. I have never been asked in over 30 years of leasing cars from XXXX, XXXX, XXXX to " replace '' brake fluid as a service. I have also never been extorted by the automobile company with a threat of a {$750.00} penalty for not doing so at their dealership partner. 

I called XXXX XXXX  and customer service and was told this charge was removed. However, the {$300.00} I was extorted to pay for an erroneous repair was not. I told XXXX XXXX that I would not pay the {$380.00} disposition fee unless they investigated my complaint about forcing me to do an unnecessary repair at their dealer and not giving me the option of having this accessed at another repair shop. I believe this to be a fraudulent business practice to force me to pay for unnecessary repairs with XXXX dealers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted in multiple with occasions Experian, XXXX, and XXXX to dispute inaccurate personal information on XX/XX/23 and to get that information removed and they refused to remove it.

According to 15 U.S. Code 1681, I did not give written permission furnish anything on my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX FUNDING Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Mortgage

Freedom Mortgage company has been giving me shortages every year and this year it's 3 times the normal shortage not because of insurance or taxes and the escrow payment is only going up {$190.00} yet they say I'm short {$1800.00} this year. How is this possible when a escrow account is in place for this exact purpose to stop large payments. They keep saying the same thing and don't care to explain the numbers as they do not match my records. The escrow payment monthly is going up {$16.00} and yet I'm short {$1800.00} isn't that the same reason I got this short? Isn't it their job to prevent these large amounts? Please help as I can't afford this hike, who can?!
Product: Debt collection

Hello, This complaint serves to identify several violations that I believe occurred between my self and XXXX XXXX ( original creditor ) and they 're assignee XXXX XXXX  XXXX XXXX On the XX/XX/XXXX and XX/XX/XXXX, call details below, my Father, XXXX XXXX XXXX received a call from a representative of XXXX XXXX XXXX. On both occasions, my father made it clear to the representative he was not the correct person, however the representative continued to press him on details, discussing my account unnecessarily with a family member. My name is XXXX XXXX XXXX, and on XX/XX/XXXX, approx XXXX, overheard my Father once again explaining to a representative that he was not the correct person and to please remove his number and info. It was at this point I took over the call and identified myself as the owner of the account. I then provided the representative my cell phone number and asked her please remove my Farther 's information immediately, and I 'm not sure how they obtained his number in the first place, I do n't recall using him as a reference or providing any info about him to XXXX XXXX to start service, the rep told me it could only be removed by waiting 24-36 hours for their system to update. Meaning, it was possible they could contact my Father again. At approximately XXXX XXXX XX/XX/XXXX, I contacted XXXX XXXX XXXX again, to provide additional contact info ask them why they where contacted my Father and how they got his number. I also asked them once again, after getting a supervisor on the line to delete my Father 's number immediately, which she did, contrary to what the last rep had said in a previous call. I tried to contact XXXX  XXXX XXXX again around noon the same day, only to find out that my account no longer existed on their systems, that never happened before. I made several attempts to reach them, with no success. I also contacted XXXX  XXXX on XX/XX/XXXX, same day, and explained the encounter I had with XXXX XXXX  XXXX, they were more concerned with obtaining payment for the debt they say I owe, than they were about the negligent collection practices their assignee 's were using. The representative also advised me that information regarding the debt they say I owe has already listed with the credit bureaus, they did not try to contact me prior to this happening to allow me an opportunity to dispute this debt. The negative information currently showing on my credit report, I 'm sure will have negative impact on me at some point in the future. Thank you for your time and attention to this matter.. Call Details : My Father received calls : 1. XX/XX/XXXX at XXXX XXXX from number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX at XXXX XXXX from number XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

National Credit adjusters are attempting to collect debt not legally owed, I have contacted this company via phone, letter. This company refuses to remove debt. National credit adjusters provided a document without my signature.
Product: Debt collection

Ive only had XXXX  XXXX  twice and but this isnt XXXX  XXXX  its XXXX  XXXX  someone used my info to get a credit card I even got a had inquire I never use to check my credit I called them they say my info matches but I never open the account! They said it was open since last year! I need help someone has my ssn and address
Product: Credit reporting or other personal consumer reports

Hello, A while back I lost my wallet. I had my wallet and SSN card in my wallet. Inquiries was added to my report I never did.
Product: Debt collection

Every time ERC calls, I them to stop calling me.I HAVE NO DEBT AND NO CREDIT ISSUE WITH ANYONE. 
I DO NOT KNOW WHY THIS ERC IS CALLING EVERY DAY. AND THEY USUALLY HANG UP WITHOUT SAYING ANYTHING. 
I want this to stop.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

- XXXX XXXX - {$10000.00} - Opened XX/XX/2019 XX/XX/2019