23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a collection notice from American Medical Collection Agency regarding a bill from XXXX XXXX. We are unfamiliar with this bill and reviewing out records we have never received a statement from XXXX XXXX regarding this account. We contacted XXXX XXXX but they have no record of this account or the balance.
Product: Debt collection

This collection appears on my credit report, I have never been in business with Credit Collection Services, Ive asked for proof for them to furnish my debt and liability and they havent.
Product: Credit card or prepaid card

, On XX/XX/2019 I noticed there was pending charge of a linked external account into my account i was not aware about. The charge was in the amount of {$9000.00} I contacted Blue Bird by american express they said they will try and cancel the transaction and contact the bank it was linked to. They put account under dispute and said investigation takes 10 business days. On XX/XX/2019 which was the 10 business day i contacted them around XXXX XXXX. They said i had to wait till the end of the day for a response of my dispute. They sent me an email at at XXXX ; XXXX that my dispute for the {$9000.00} dollars was declined from American Express Prepaid Card because based on their investigation they determined no error occurred and that the transaction was authorized. I have no link accounts to my prepaid I have been saving all year all banks if you are going to do a big transaction will contact you this bank did not do anything to help me from identity theft In addition I have contacted all 3 credit bureaus. I have contacted the police for Identity Theft. I had to change all passwords. The bank does not want to give me any information about the linked account nor where it comes from. they said to send a letter and they will help in the matter I really hope me writing to their fraud Department it will make a difference .They hung up the phone on me the last 3 times i contacted On XX/XX/2019. I tried talking to their representative and they put me on hold and then hung up. In addition, it made it more suspicious on their end. I am taking all measures possible I will like the only money to be back into my account. At this point you want to save for a better future and maybe buy a home and I felt as if my money was safe with them and now I am scared to even put XXXX dollars into a bank and wake up and have nothing. My direct deposit I had to cancel as well The agents answering phones were not helpful and just kept saying to wait the 10 days. I have I been a victim of identity theft someone please help me fight this dispute it is very serious and it can jeopardize not only my identity but also my credit. Is Blue Bird american Express a fraud?
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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

I ran my credit report in XXXX and saw that XXXX was reporting that I had XXXX late payments even though I had settled the account and was paying XXXX a monthly payment and was never late. I contacted XXXX and they said they had made an error and would correct it. My bank told me to wait XXXX months knowing I had XXXX until I had to move, so that the credit report would update. When he re ran it today the late payments were still on there. When I contacted XXXX, after being shifted to XXXX different departments and back to the Debit collector I was basically told that even though I was paying the people that bought my account on time XXXX continues to report it as late payments. I explained that I would be homeless and was told tough luck
Product: Credit reporting or other personal consumer reports

I sent XXXX and Experian letters plus copy of my report showing the inaccuracy XX/XX/23 and XX/XX/23 in regard to the information. 

The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please DELETE from credit report. This is misleading information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

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: Checking or savings account

XXXX 2024 XXXX allowed a third-party furniture company to sell me furniture that was not what it was described. Chase Bank filed a claim then put the money back in my account saying XXXX prove the case now are holding me liable for the funds {$1300.00}. XXXX knew that the third-party company was selling furniture that could not be placed back in his original packaging for returns. I tried dealing with the third-party company several times they kept giving me to run around. They didnt have a direct number. They only dealt with emails. XXXX knew that. The representative at Chase Bank told me that I should file the claim against XXXX first then once I tried to file a claim with Chase they told me it was past the 90 days.
Product: Debt collection

I disputed this alleged debt numerous times and it keep getting sold and settled to multiple collectors even when debt was ceased and i was sent a 1099 from collector.I disputed this debt back in XXXX, and now XXXX.The company agreed to cease collections but yet company has broken federal law thinking I don't know my rights which gives me the privilege to sue collector for breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of the West is reporting an account to my 3 credit bureaus that is no longer my responsibility and was given over full responsibility to my x wife per our divorce decree. I have late payment report which are detrimental to my credit rating showing I Was 30 days late ( 2 ) time ( s ). Was 60 days late ( 1 ) time ( s ). Was 90 days late ( 1 ) time ( s ). I have tried to not only inform, but get this resolved with Bank of the West via telephone and by a letter I mailed disputing and explaining the situation. They have yet to rectify their mistake. 

I have attached the Divorce Decree from XX/XX/2009, the credit card account # XXXX Bank of the West is listed on Page 3 and Number 9
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : XXXX XXXX XXXX Reason for Dispute : Never Late, Account Was Paid As Agreed. 

XXXX XXXX is reporting an account as being 30 days late on my credit report and fail to correct this error with the credit bureaus. I have disputed with all three Bureaus and although I submitted evidence of no late payments, they still failed to update the inaccuracy on my report. 

On one bureau XXXX XXXX is reporting XX/XX/2022 payment as 30 days late and on the other two bureaus, it's stating XX/XX/2022 payment as being 30 days late. That's one major inaccuracy right there, because they are reporting different records across the bureaus ( which calls for an automatic removal ). Secondly, no payment was ever late for any of the months ; therefore information being reported as 30 days late is incorrect. Please view supporting documents as proof of ALL payments for the full year of 2022 and have them update this inaccuracy accordingly. ( Attachments 1-4 : XXXX XXXX XXXXayment History for the year ) In addition, I'm also submitting proof rendering my mother as the actual owner of the account as well. Attached, you will find her bank statements showing payments coming out of her account faithfully for the whole year. There, you will also see that the XXXX and XXXX payment were NEVER late or missed. Although she had a 15 day grace period every month for every payment, she NEVER went passed her grace period ; being that the account was in my name, I made sure of it. ( Attachments 5-16 : Mom 's Bank Statements for the Year ) So to reiterate, ALL proof will be attached with this complaint. I'm not sure why XXXX XXXX insist on reporting this inaccuracy. At first, I believed it was an honest mistake, but recently I found out that they did a soft pull on my credit in XXXX right before they reported the inaccuracy on my report. It had been six years of payments being paid on time and my mom was on the last payoff payment ; therefore, there was no need to inquire on any of their services, no reason to refinance, or etc., so why were they soft pulling my credit? Now, it appears as if they were intentionally trying to sabotage my records. If you take a look through my credit report, everything is always paid on time ; I do not believe in late payments. XXXX XXXX saw this and for whatever reason, decided to report their inaccuracies. I'm the type of person that stays on top of my credit just to ensure accuracy of what's being reported ; reason being is because companies like them report inaccuracies all the time. If you are not attentive to errors being reported, they will continue to report false information. This is not right and they should not get away with this. No company should. 

So again, please have them fix and update this inaccuracy on my report accordingly.
Product: Debt collection

For the past month, I have been harassed over the phone by callers claiming to be from a company called Highpoint Asset. They claim they 're trying to collect a payday loan debt, but they have refused to provide me with a debt validation letter or any information about the original debt by mail. ( I took out some payday loans about 3 years ago, but those loans were all paid in full. ) On XXXX/XXXX/15 and XXXX/XXXX/15, I spoke with a representative who stated his name was " XXXX. '' He told me that he would mail written verification of the debt to me and I would receive it within 3-5 days ; I have never received it. He threatened me with legal action if I did not pay. The numbers that these callers have been calling from are : XXXX, XXXX, XXXX, and XXXX. The callers have also been calling my wife 's and my daughter 's cellphones, my sister-in-law 's cellphone, and my nephew 's cellphone. My wife has attempted to answer these calls to her cellphone, but when she is put on hold to speak with a representative, the phone is disconnected after about 1-2 minutes, so she has never been able to speak with an actual person. When I spoke with " XXXX '' on XXXX/XXXX/15, I told him to stop calling my wife 's and daughter 's cellphone numbers, and he stated that their phone numbers would be taken off my information ; however, my wife and daughter continued to get calls at least twice a day. When I spoke with " XXXX '' again on XXXX/XXXX/15, I told him that my wife and daughter were still getting phone calls, and he again said that their phone numbers would be taken off ; to this day, my wife and daughter continue to get phone calls on their cellphones. My family members and I have been receiving calls 1-2 times every day. My wife looked up the phone numbers that have been calling us, and was directed to public forum websites where numerous people have stated this company runs a payday loan scam. On XXXX of the forums, a person who said he was also harassed by Highpoint Asset stated that he researched the company and found an address for them : XXXX XXXX XXXX, XXXX, NY XXXX. He also stated that this address is the main business address for another company called XXXX XXXX , XXXX We have been informed that that XXXX XXXX has refused to provide any of their requisite operating information to the XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I was charged {$300.00} in XXXX   in XXXX XX/XX/2022. Capital one charged me {$300.00} USD. They will not convert this from XXXX to usd. Which is roughly {$15.00} USD. Ive tried multiple times without success.
Product: Credit reporting

I have called and faxed Experian stating they are not reporting a mortgage and credit card that I have, they are the only credit reporting company out of the XXXX credit bureaus not reporting those XXXX tradelines. It has hurt my credit scores. I want them to report them, I called XXXX XXXX XXXX and XXXX bank and they stated they report to all XXXX of them and its an issue on Experian side. Please add these tradelines XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX Double XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Public records should be deleted as of  XXXX / XXXX /17 from all credit bureaus,  XXXX , equifax,   XXXX   XXXX  . It is making it difficult to obtain credit. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6500.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$7100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my student loans except for 2 private loans from XXXX XXXX have been put into forbearance because I am currently in school. But before this, in XXXX of XXXX I was place in XXXX XXXX  XXXX status and all my loans were cleared off except for the private loans because they told me that private loans couldn't be discharged. So I set up payment arrangements with them. 

Although I am still XXXX and have been since XXXX, and on permanent XXXX, I have re-enrolled in school. Because of doing this XXXX pulled me out of total permanent XXXX status and placed me in deferment. I have contacted XXXX XXXX twice through certified mail ( XXXX of XXXX and XXXX of XXXX ) and explained all of this to them and asked them if they could put me in deferment as well and they said no because I was in default. I told them I didn't know that I was in default status, and that no one ever contacted me about the loan being in re-payment status, I told them that I assumed all of my loans were discharged, and they said on the phone that private loans can't be discharged. I then told them that I am XXXX and still in school, but I could pay XXXX XXXX monthly, and I have been doing so for over a year now. 

They accepted that, yet they continue to put late fees on my credit report and mark me as delinquent every month. No one still has written me back to explain anything or answer any of my questions. 
The only reason I found out that they had placed me in default was because I noticed that my credit score kept going down, and continues to go down every month. I looked into why it was happening and discovered that it was because of the 2 private loans. I thought that once I got on a payment plan with this company they would stop marking me as delinquent as they said they would and do right by me, but they didn't and do not. 
XXXX XXXX keeps reporting me as missing payments, and this keeps lowering my credit score every single month, and causing me stress because it has effected my ability to move into a better place for me and my children.
Product: Credit card

I used my American express card on XX/XX/XXXX took out XXXX there where XXXX more transactions back to back for the exact same amount within seconds of each other I would n't have even had time to put my info in again to with draw the money then the same thing happened on XX/XX/XXXX I took another XXXX and there are XXXX more transactions taken out just like the other one so some how it was doubled on my transactions and the fee at the atm was charged every time just like I put my card back through the other times which I did n't American express took less than a week and denied my claim knowing when I called and reported it the guy on the other end that took the report even said there was no way I could have done the transactions they where to close together there was also a charge to XXXX XXXX cable company for XXXX I do n't even have a XXXX XXXX account I did n't authorize it like I said I do n't even have a account with them when I contacted XXXX XXXX they told me since I do n't have a account that I have to dispute it through my credit card company and when I turned it in on the credit card company they are saying I have to turn it in to XXXX XXXX neither one are doing anything to help me what so ever the money that was taken out of my account is my tax money I am a single mom with XXXX kids I do n't have the extra money I am so upset at how easy it was for someone to take money from my account and neither business to do anything to help both companies where rude and completely unhelpful, my credit card company would n't even contact XXXX XXXX to see what account my money was used on and when I tried to contact XXXX XXXX to get that information myself they told me they were n't able to hand that information out that I need to file it through my credit card company so both are just giving me the run around and doing nothing to help me
Product: Debt collection

this company has been attempting to collect a debt not owed by me to them.I have no knowledge of this company or he they are as I've never had a contract of any sort with this company.They are in violation of 15 usc 1692c, d, e, f, and g.If said company is owed I would like a accounting information under ucc law request for accounting, request for said collateral in which a debt as been established by me and said company. 
Any statements from anyone else or from in which they purchased is not a wet signatured contract or a collateral for which a debt can be established, Midland Credit Management is in violation of of the FDCPA and ucc federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below are inquiries on my report that I do not recognize along with the dates that the inquiries occurred. Can you kindly verify these inquiries and remove them? 


XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019. I walked into a XXXX Store in XXXX to inquire about getting a phone for my son. During discussions with the store agent, he stated that in order to provide quotes on the variance phone plans, he would need to do a soft inquiry on my credit report that would not impact my score and would not be visible to anyone but me. I asked him specifically if this is a hard inquiry and he stated that it was absolutely not. I told him if quotes require a hard inquiry on my report, I wouldn't be interested in getting any quotes, and he assured me that no hard inquiries would be made. 

I decided not to purchase a phone at that time and left the store, only to discover later that day that XXXX performed a hard inquiry and pulled my full credit report. I went back and discussed with the Store Manager. He was courteous and promised to help. Later he reached out and said that the inquiry on my credit report was done by error and that XXXX will initiate a credit request to have it removed from my credit report within 60 days. 

It's been 60 days and the inquiry is still showing on my report.
Product: Debt collection

XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX ] Re : Dispute of Inaccurate Information on My Credit Report Fair Credit Reporting Act Disputed Item : ( XXXX XXXX ) Dear Sir or Madam, I am writing to formally dispute an item on my credit report under the provisions of Section 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that any inaccurate or incomplete information be investigated and corrected by the credit reporting agency. This account is listed as a collection/charged off account on my credit report but I have never received a 1099c for this charged off debit. Can you please provide me with a 1099c to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately The disputed item, [ XXXX XXXX ], appears on my credit report and is incorrect. Specifically, I believe that this item is inaccurate As required by FCRA, I request that you investigate this item and provide me with proof of the accuracy of this information. Specifically, I request documentation of the contact or transaction bearing my signature that validates the reported debt. This documentation is crucial in verifying the legitimacy of this entry on my credit report. Please note that under Section 1681i, you are required to complete this investigation within 30 days and notify me of the results. If this item is found to be inaccurate or incomplete, I request that it be removed or corrected immediately. I look forward to your prompt attention to this matter and expect a resolution within the required 30-day period. Thank you for your cooperation. Sincerely, [ XXXX XXXX ]