23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX  I paid XXXX XXXX XXXX  in order to get a paid in full letter and the collection deleted from my credit report. The collection was deleted but I never received a letter. NOW another collection agency is attempting to collect the same debt for the same closed, and settled account that was paid to XXXX XXXX XXXX!! Ive contacted XXXX XXXX XXXX  the last 3 days in order to get a letter showing the account was resolved, and each time they promise I will receive the letter by end of day. I wait all day, and dont receive anything. 
They refuse to let you speak with a supervisor and have yet to provide any documentation. At this point I feel like ive been scammed out of paying a debt by this company who fails to provide adequate notification to the original debt owner or any documentation to me. 
XXXX in the process of purchasing a home and now have a collection on my credit report due to a debt ive already paid. If this isnt resolved immediately I fully intend on perusing legal action for the damage this is causing.
Product: Credit card or prepaid card

I secured a credit card from " Care Credit '' to have my wisdom teeth removed in XXXX of XXXX. The card carried XXXX interest if paid by XX/XX/XXXX. That date of no interest was increased to XX/XX/XXXX. The card/debt was PAID IN FULL on the XXXX of XXXX. The company continues to call me ( 4-8 times  DAILY ) to make demands of interest charges ... that total even more that the original use. The card was used ONCE, XX/XX/XXXX, for the removal of my wisdom teeth. It was then destroyed. I contacted them ( Synchronity is their 'financial ' hound ) and told them the card had been destroyed. The charges continue to accrue. I have all the emails from both Synchronity and myself stating that they would drop all interest charges if paid by XX/XX/XXXX. Today, they have finally replied to an email of last week saying that there is some confusion and they won't drop the interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to contest the presence of fraudulent items on my credit report. After recently receiving a copy of my credit report, I was dismayed to discover that several accounts and information were listed that I did not open nor have any knowledge of. The accounts in question include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  Balance {$2500.00} XXXX XXXX Balance {$7400.00} XXXX XXXX XXXX XXXXXXXX XXXX {$590.00} XXXX XXXX # XXXXXXXX XXXX Balance {$390.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$670.00} XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX. I confirm that I did not authorize the opening of these items, nor did I grant permission for anyone else to do so on my behalf. I strongly suspect that these items are the result of identity theft, and I am taking appropriate measures to report this to the relevant authorities. Kindly provide me with a written response to this dispute, including the outcome of your investigation. I also request that you send me an updated credit report after the elimination of the fraudulent items.
Product: Money transfer, virtual currency, or money service

The following charges were unauthorized by me. I lost my phone, which was logged into XXXX XXXX XXXX, which was linked to my backup debit account on CashApp. I attempted to dispute these charges, but they were denied by Cash App, for reasons never explained to me other than " suspected fraud ''. Previously, 19 charges of a similar nature were discovered and refunded as a dispute was resolved IN MY FAVOR ( see attachment ). XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00}. 

I took it to the XXXX  and they still ignored my case.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX MN, XXXX Account number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX Dear XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Mortgage

My mortgage servicing company has improperly calculated my escrow payments. I have repeatedly told them that they have n't calculated my escrow account properly but they will not change it. I currently pay about {$110.00} per month than what I should. The mortgage servicing company has inflated the tax basis of my property. They also established this escrow account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below has violated 15 U.S.C 1681, section A. states I have the right to privacy, U.S.C 1681, section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my instructions. 
15 U.S.C. 1681c ( aX5 ) section States : no consumer reporting agency may make any consumer report containing any of items of information Any other adverse items or information, other than records of convictions of crimes which antedates to more than seven years. 
15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency person knows or has reason to cause to believe that the information is inaccurate. 

The accounts below violate my right to privacy, and were reported to the consumer without my instructions, they also contain adverse information. 
1 ). XXXX ACCT # XXXX, 2 ). XXXX ACCT # XXXX 3 ). XXXX ACCT # XXXX 4 ). XXXX XXXX ACCT # XXXX 5 ). XXXX XXXX ACCT # XXXX 6 ). XXXX XXXX  XXXX ACCT # XXXX 7 ). XXXX ACCT # XXXX 8 ). XXXX XXXX ACCT # XXXX 9 ). XXXX XXXX ACCT # XXXX 10 ). XXXX XXXX acct # XXXX ( XXXX ) 11 ). XXXX XXXX acct # XXXX XXXX XXXX 12 ). XXXX XXXX acct # XXXX XXXX 13 ). XXXX XXXX  acct # XXXX XXXX XXXX 14 ). XXXX XXXX  acct # XXXX 12 XXXX XXXX XXXX 15 ). XXXX XXXX acct # XXXX XXXX XXXX  16 ). XXXX XXXX acct # XXXX **** XXXX 17 ). XXXX acct # XXXX 18 ). XXXX XXXX acct # XXXX 19 ). office of the attorney general ( child support ) more than 7 years and paid Acct # XXXX, been on report over 11 years inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked both XXXX XXXX and Experian to delete fraud inquires and accounts off my credit report and they have failed to do so after they said I would have an update with the deleted items within XXXX hours and after XXXX no change I was told this twice once a month ago and recently this week the credit bureaus also failed to send me an updated copy of my credit report along with updating personal information such as name address and employer were never updated
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me, I will require all documentation that bears my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

My Experian credit score reduced by XXXX points today, XX/XX/XXXX, All my credit accounts are in order. I have paid all my bills on time. This is also shown on my credit report. I called them several times today but couldnt get through anyone. This is not the first time something like that happened. Last year they dropped XXXX points without any reason and did not restore these points after investigation. I see a lot of people making the same complaint. This is fraud that is affecting financial status of the targeted individuals. Please investigate this and take severe action. I will share my credit report if needed. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been paying off a hospital bill for almost a year. The agreement was that I would pay {$150.00} a month. Which I have been doing. I have not missed a payment. The original amount owed was {$1300.00}. I owe {$130.00}, which I plan to pay next month, per the agreement. I have been receiving phone calls about every two weeks and they are threatening a civil lawsuit. I know they have no grounds, since I have been paying the debt. They called today, after I had paid this month. I emailed them and told them to stop the harassment. I have also blocked the number so they ca n't call me anymore. I also talked to an attorney. I am on XXXX for XXXX XXXX and I work part time. I have tried explaining this to them. I pay them when I either get a paycheck or when I receive my XXXX check. Again, I have not missed any payments.
Product: Credit card or prepaid card

I have two separate Synchrony accounts. One is for a carpeting purchase. One is for air conditioning installation. Synchrony sends bills late, or not at all. In this way, they can impose a late fee AND increase the interest rate on one 's account. I suspect this may be a widespread practice, as I have spoke to friends who have had similar experiences. When I have called Synchrony on this, they remove the late fee and say they will send bills on time. Someone would investigate this.
Product: Credit reporting or other personal consumer reports

I explain to XXXX XXXX I don't have XXXX account somebody using my credit card that this fraud and you are holding accountable I need fix they told me i have to contact the Bureaus. XXXX told me it is being investigated, and I have heard nothing I have even provide them proof
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Trans Union, XXXX XXXX accounts was opened fraudulently in my name while i was incarcerated in XXXX i have my proof of XXXX  documents and my police report and investigation. this shows that i could not have opened or used this accounts. but they still wont delete them of my credit. XXXX  and XXXX XXXX XXXX. both opened in 2017 ive tried disputing them over and over again. my only option after this is taking it to court.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX I.C. SYSTEM, INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious I.C. SYSTEM, INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiry : XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2020 CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX EMPLOYER : XXXX XXXX XXXX XXXX
Product: Credit card

OnXX/XX/XXXX2024, I received a charge on my Wells Fargo acct for {$1000.00}. The store was XXXX. I have never heard of this store and did not make this charge. Wells Fargo credited my acct on XX/XX/year>2024 when I immediately cancelled my card because of fraud. On XX/XX/scrub>/2024, they recharged my account the {$1000.00}. I have called at least ten times and talked to different people, am always put on hold, say they are transferring me to some executive office, I receive suspicious looking letters in the mail from WF, etc. Return calls to my phone are identified as SCAMMER. Bottom line is I never made this charge and need it removed. I have great credit and have never been late with a payment to WF. Honestly, I feel like Im being harassed and targeted because Im a XX/XX/XXXXXX/XX/XXXX on social security. In addition they told me my account can never be closed. Ever Who are these peopleI have filled out a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I reported a dispute with XXXX on my account they never completed the dispute and they dont let me create another
Product: Credit reporting or other personal consumer reports

I have had a XXXX charge card for XXXX  years, always in good standing. My most recent transaction was to pay off the {$XXXX} balance, on XX/XX/year>. In XXXX XXXX was bought out by XXXX  XXXX, and rather than transfer my XXXX account to the XXXX  XXXX platform - they CLOSED my XXXX account, and then OPENED a new XXXX  XXXX account - without my knowledge or permission for either. Both actions have negatively impacted my credit report and score. I was alerted to this because my credit score dropped from XXXX to XXXX, overnight. I am currently trying to buy a house, and this has had disastrous consequences. Also, XXXX XXXX supposedly sent me a new card for this new account- but I have never received it. I've attempted 3 times to call them to ask them to send me a card for this new account, but they will not. Currently they have my account 'Restricted " because of some alert to fraudulent activity that they will not discuss with me - and yet the account Restriction is also negatively impacting both my credit score and report. They won't discuss whatever fraud they're worried about - because I refuse to verify my identity by sending XXXX XXXX a photo of my state ID. I've never been asked for physical documents to verify on a phone call, and it seems very intrusive and phishy. They will not verify my identity by asking my security questions or providing my Security PIN, or confirming my full XXXX  or XXXX, etc. I offered to provide all my past addresses or phone numbers, my mother 's maiden name, etc. - but they won't accept any of those as verification, in order to be able to discuss my account with me, or send me a physical card, so that I can use the account they opened for me without my permission. I should not have to provide a photo of a state ID to be able to access my own account which they are opening, closing, and restricting. They HAVE numerous other identifying pieces of information which can be used to verify my identity. It is unreasonable for me to have to provide yet more to gain access to my own account.