23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My new husband has a couple older debts he was never billed for due to old address info nobody at the collection agency would update, and that the debts were from out of state. He knew this company had several accounts under his name and tried to contact them to make payments, but was always given the run around and multiple excuses before being told they would send him a bill. They never once sent him notice of the collection accounts they had for him, nor attempted any form of payment arrangement with him. They still refuse to remove an improper debt that was verified to be invalid with the original company, but they bought it years ago and want their money so keep it on my credit. They held them for a year or two, then sued for garnishment with an additional {$4000.00} in fees in 2013. They were awarded garnishment but never sent it to his employer, his bank, or him. Years later they seized his entire paycheck and bank account, forcing cancellation of insurance and other things for no payment. A judge told them they could not do this and ordered a new process to accommodate this specific debt, which they completely ignored.They froze his account again 4 months later, but only gave the bank notice. I sent a letter to the judge and went back to court, where the agency phoned in and said oops, we didn't mean to send that one. The next day, a process server shows up at my apartment, where I live alone with my daughter, holding a folded up paper that had my husband 's name and my address on it. He is not on the lease or any forms of correspondence. I do not receive any mail there, and that address is not listed anywhere publicly as I have only been there a few months. We have had a XXXX XXXX for years but they would never document it. He told me he had a bill from a doctor in town, gave the name, and said he tried to take it to his grandparents house but it was refused. I also said he does not live with me, only stays the night sometimes. He said if I don't take the papers from him, he will take it back downtown and then have a Sheriff deputy come and give it to me. I took this to mean I had no legal option but to take it. How is it allowed that they can threaten him, then violate my privacy by looking up my name and info and forcing me to take court papers that are not mine? He said it was a bill from the doctor, not a summons from this collection agency. I am sick of them harassing and stalking us, especially while I am fighting a XXXX XXXX. They have cost us hundreds in fees for their actions, yet have not credited a single penny on any debts they are trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for Citibank to remove the unauthorized inquiries on my credit report that was reported by XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX I HAVE ATTACHED THE INQUIRIES PLACED ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

hello my name is XXXX XXXX and my phone number is XXXX with address at XXXX XXXX XXXX XXXX XXXX in this XXXX XXXX XXXX  they are reporting to me that i owe them more than XXXX but it is not true that the loan was for a car that was defective and I return it. They have the car and they still want to charge me for something I don't have. I already talked to them and they wanted to charge me and they threatened that I would pay them they were going to report my credit and it would affect me and if they are doing it this service is affecting my credit and I need them to do it remove it and stop harassing me for charging something that I do not have. because the car was returned to them, therefore I do not owe them anything, thank you if you can help me with that please.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Letter to remove inaccurate reporting of CREDIT INFORMATION To WHOM IT MAY CONCERN : I received a copy of my credit report and found the following items to be errors. Here as follows are items being report as ( CHARGE OFF ) in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 This debt is considered a charge off However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not charge off. Im requesting that this is removed because it is not debt. This is considered income according to the IRS canceled debt income and INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated my consumer rights pursuant to federal law and georgia state law for Defamation Of Character. I have tried reaching out, calling, and still no response. They still have yet to Remove All unverified and unauthorized information.
Product: Debt collection

XXXX XXXXXXXX XXXX They sent my information to National Credit Systems XXXX. 

I turned my move out notice in in XXXXXXXX XXXX XXXX, with a move out date of end of XX/XX/XXXX They sent me a letter 60 days after I moved told me I owed them for XXXX XXXX-I did not live there in XXXX of XXXX. 

Never had a walk through when moving out-This complex did not have ANYONE EMPLOYED AT THE TIME... 

I emailed them at the end of XX/XX/XXXX, was promised a follow up by XX/XX/XXXX they never followed up, I have tried contacting them to get this out of collections.. I want to file a complaint against the collections and the complex Below is a copy of the email sent... 



I received a notice at my new address of money owed. I owe you nothing. 



I have attempted to come there multiple occasions to return the keys and no one is ever on the property. I have made multiple attempts to reach someone and resolve this matter when I moved out and do not agree with the notice that I received. I also called the civil court house for advice on how to settle with your apartment complex as there is not support on the property. That is bad when things are not fixed and you have to call civil court and they are aware of problems on this property. That is not good. 



I do not owe XXXX XXXX any money. You all never fixed anything, the property is not well maintained or well kept and multiple tenants are complaining and you have the nerve to send me a notice states that I owe you. 



I need to detailed list of WHAT damages as some things are normal wear and tear, I have been there since XXXX REALLY!!!! 



I need you to locate my move in information and make sure you are NOT billing me for damages documented when I moved in. 



I turned in my intent to vacant letter, closed on XX/XX/XXXX and moved out over that weekend-Show proof that I lived there in XX/XX/XXXX. 



Document my multiple attempts to reach someone to turn the keys in-I work the same hours you all do and you dont follow up. 



Carpet cleaning-that carpet has been in that XXXX XXXX XXXX did you replace it? Why are you charging for cleaning. 



Lastly, I paid someone to come in and clean.. I closed on Friday and moved on Saturday the XX/XX/XXXX I was out of there XXXX XX/XX/XXXX ( I have receipts for moving to show proof but how would you know you are never on the property ). You cant just make up a date that I left. Please show proof. 


Some things I agree with like the stove-I did not damage that apartment. 

Please contact me as soon as possible to resolve this matter so that I will know how to proceed.
Product: Credit reporting

In XXXX of 2016, I was int he process of moving and I ended my services with XXXX XXXX not long after they took over my account from XXXX. It seems in the confusion from the combination of the company switch and my move, some very strange and unusual things happened to my account ( s ). Since that time, I have received multiple billing statements in the mail from XXXX ( keep in mind, I have NO open accounts with them ), some of which say, I owe them money, some say I owe nothing, and some saying I have a credit coming to me. I came to find out that I had XXXX accounts opened under my name, and I have no idea why. Needless to say, this was all VERY confusing and I did not know which to believe or follow through on. After talking to them several times, it seemed that even THEY were confused as to why this was happening. 

Well, as this was going on, apparently, the bill that said I owed money ( {$35.00} ) went into " delinquency ''. And because of that, it seems as though, my credit score has suffered. 

This seems INCREDIBLY unfair, since the blame for this confusion should fall on XXXX billing system, AND the fact that THEY owed ME more money than I owed THEM ( {$61.00} credit that I still have yet to receive ). I do not believe MY credit score should suffer because of this.
Product: Debt collection

XXXX XXXX I terminated my phone contract with XXXX XXXX because I was being stationed in an area where they do not cover. I provided them with my military orders and paid them what they said I owed. I left the store with no bill or anything due to them. In XXXX XXXX I received a letter in the mail saying a debt collector was attempting to collect a debt I owed. Enhanced Resource Center ( ERC ) is the company I was dealing with, I called them to find out what exactly was going on. After being transferred to multiple people I was told my " case '' was being placed in a dispute status and I would find out the outcome in 30 days. After approximately 35 days I called them to find out what was going on, this is when I started getting the feelings of being scammed. The company had no information about my " case '' nor did they know the " collector '' that was assigned my case. I was transferred to multiple people once again and was finally told they have over 1500 employees so each time I call it would be a different person. There were strange background noises during the phone calls and each person I was transferred to was more lost then the first one. I was refereed to the " managers '' number and called that and went to a very non business like voicemail. I left 2 messages and non were returned. I looked up ERC online and see they have numerous bad reviews about being a scam and worse. I contacted the FTC and explained to them my situation and they said my complaint was noted and I should contact my home attorney generals office. I called them and left a message to return my call, still waiting. Today, XXXX XXXX XXXX I received a phone call from ERC and told them not to contact me until I am informed that this is a real dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX 'S XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX SAVINGS XX/XX/2022 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX SXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

THESE ACCOUNTS HAVE INCORRECT INFORMATION AND I NEED IT REMOVED FROM MY REPORT. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The company Credit Acceptance Corporation charged off my account in XXXX of XXXX and reported it as a charge off/ collection for 4 years. Then in XXXX of XXXX started reporting it again monthly as an open account thats 180 days late every month since then. Theyre doing just to keep my credit score suppressed which is illegal. The account was closed and had no activity, payments, anything. It shouldnt have been reported as an open account after it was closed. I have since settled this debt with the company and want the deragotory information removed from my credit report.
Product: Mortgage

For the past three months ( XXXX 2016 - XXXX 2016 ) I have made my scheduled monthly mortgage payment through the ditech website at www.ditech.com, and each month I am having to follow up with each payment because they are not being credited to my account. The monthly statement will show payment received but because I make note of my principle balance each month I noticed it does not decrease. When I call and speak with a representative they state the payment is " sitting in the unapplied funds account ''. If I am making my scheduled payment amount, no more nor no less than what I need to pay why are my payments not being credited to my loan? I should n't have to follow up every month to ensure Ditech is crediting my payments as they should. As a consumer this is very inconvenient and makes me question if my payments are even being applied between escrow, pmi, interest, and principal correctly. I 'm sure this must violate the Regulation X, RESPA in respect to Prompt payment crediting.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX XXXX Owed : {$470.00} XXXX XXXXXXXX XXXX Balance Owed : {$750.00} XXXX  XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX  Balance Owed : {$520.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/XXXX for my LENDINGUSA account. Id have an excellent repayment record. Ive had a spotless record of on-time payments. The account Lending USA ( Date Opened : XX/XX/XXXX ; Balance : {$3300.00} ) must be reviewed by you. You are reporting me as late for XX/XX/XXXX. I made my payment on time for this month, see attached account statement from Lending USA for XXXX as proof of my payment. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. In the month of XX/XX/XXXX the payment made on XX/XX/XXXX I thought would be applied to my XX/XX/XXXX payment due on XX/XX/XXXX I was advise this payment was not applied to my XXXX payment after further investigation and speaking to multiple representative, also the payment made for XX/XX/XXXX I thought would be applied to XXXX XXXX since payment was also made in advance. This issue only current happening because of the makeup of making payments early. Once issue was explain and advise to me to avoid any further late payments make sure that bill are paid on time on the exact date due to avoid confusion. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/XXXX. Thank you for your consideration, and I hope youll approve my request. Please remove this late payment from credit report due to issue was not explain correctly by multiple agents I also should not be penalized due to payments were made in advice and was not aware not going towards correct bill date. 



Best, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed by a person named XXXX XXXX in sending this amount of money XXXX $ through Moneygram in XXXX. The transfer was made on XX/XX/XXXX. I tried to cancel it but it didn't show the cancel option anymore and the company ( money gram ) have a clause saying that you can't get a refund back if the person already picked up the money. I did the payment online. In order for this person to pick up the money she would have to show her ID. The name of the city that she gave me is XXXX, zip code XXXX, phone number XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the reporting of late payments on my XXXX, XXXX, and XXXX credit reports. The late payments in question are associated with XXXX Capital One credit card accounts and are listed for XXXX, XXXX, and XX/XX/XXXX, as well as XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and credit reporting agencies are required to report information that is accurate, complete, and verifiable. I believe these late payments may be inaccurately reported or unverifiable. If the creditor can not provide documentation proving the accuracy of these late payment reports, I respectfully request their immediate removal from my credit report. 
Additionally, Section 611 of the FCRA mandates that the credit bureaus investigate disputed items and remove any information that can not be verified within 30 days. Please ensure the credit bureaus fulfill their legal obligations to investigate and provide results promptly.

I kindly request your assistance in resolving this matter quickly and ensuring my credit report accurately reflects my credit history. Thank you for your time and support.
Product: Debt collection

I have never had an account with XXXX. I attempted to reach out to Debt Recovery Solutions and which I asked for them to verify the account. They sent a bill and at that time I called and explained to them at that time I had another provider and there was no need for me to have them. I have continuously disputed this account because it does not belong to me. There was no identification shown or nothing to verify on legal paper I authorized this account
Product: Debt collection

On or about XX/XX/XXXX I have contacted Discover card phone line reporting unauthorized charges by XXXX XXXX and filed a formal dispute. 
Since XXXX Company scamming system is designed to frustrate and wear out un-suspecting consumers : the toll free # plays a prerecorded message referring a caller to their website, but no-one replies to claims. 
No direct contact was possible and Discover refused to share their contact information, but they reversed charges to my account. On or about XX/XX/XXXX I filed a new dispute which was elevated to Fraudulent Charges by the claim agent and due to disappointing performance by Discover I paid off the {$35.00} last statement and requested the closer of my account, which was done by Discover. But to my surprise Discover reopened the account and started issuing erroneous billing and sending false reports to credit bureaus damaging my excellent credit. 
Kindly please help me stopping this unfair and harmful practice of Discover Card
Product: Credit reporting or other personal consumer reports

In

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXXT 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 6. XXXX Account Number : XXXX 7. XXXX XXXX Account Number : XXXX 8. XXXX Account Number : XXXX 9. XXXX Account Number : XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX