23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report and noticed a fraudulent collection. I do not know anything about these charges or the address listed. The account is from XXXX XXXX XXXX for XXXX XXXX
Product: Debt collection

I submitted a previous dispute ( XXXX ) about a debt that appeared on my credit report at Trans Union and the other credit reporting agencies. The debt collector is XXXX, XXXX in the amount of {$650.00}. Trans Union stated in their response that I would receive information via US mail about this debt and their actions but I have not received anything from them. I have no idea where this came from and it may be related to another debt collection that arose apparently through identity theft. Idispute this debt and ask that it be removed from my credit report. I have received zero information from the debt collector XXXX XXXX.
Product: Mortgage

My mortgage was sold to Carrington Mortgage Company from XXXX XXXX  XXXX. If I send a payment in the mail, there is no telling if it will get to Carrington on time. After contacting XXXX at Carrington, he informed me that there is no " fee free '' way to pay other than the mail in method. I told him that I do not believe that is fair that my mortgage was sold to a company that does not allow payments to be processed for free online. I was able to make my payments with XXXX XXXX XXXX online for free.
Product: Debt collection

XXXX  reported to my lender that I have an uncollected debt on my credit report placed there by DCI Credit Services in XXXX North Dakota, regarding a XXXX dollar debt 3 years ago originating at XXXX XXXX. 

I filed a dispute with XXXX, having no recollection of this debt or any collection attempts. 

DCI asserted to XXXX that the reported debt was valid and my dispute was closed. 

Today I spoke to XXXX XXXX clinic. They said I did indeed pay the bill and they recalled it from DCI, however DCI continues to report it as unpaid. 

I am filing this complaint now to establish that DCI is a negligent and irresponsible company who should not be allowed to meddle with people 's credit report. 

Attached is a screenshot of my credit report showing DCI continually  reporting a debt that was paid years ago.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX4 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting

Called TransUnion at XXXX and spoke with the first Rep XXXX, which she was very rude to me and then I asked to be transferred to special Handling and to see if they can help me she told me that she could n't do that and transferred to someone else and her name was XXXX XXXX and she also was rude to me. I was notified the inquiries were placed back on my credit report and wanted Transunion to remove them due to not being notified. according to the FCBA that is against the law. I attached parts of my credit report for your review.
Product: Credit card

Was attempting to payoff this credit card via loan from my credit union, XXXX XXXX XXXX. On XX/XX/XXXX, received payoff letter from Capital One. The letter referenced last XXXX digits of my account plus a case number. The check XXXX XXXX XXXX mailed Capital One included the last XXXX digits of my account plus the Capital One Case Number on the check. They also included a copy of the payoff letter. 
Capital One rejected the XX/XX/XXXX payment stating Check/money order did not include a valid Capital One credit card number. Subsequently by the time check was returned to my credit union a month later, I was slapped with {$180.00} in interest. 
Why was the check rejected, it contained the identical information that was provided on the payoff letter. 
Spoke with Capital One Supervisor XXXX, employee ID XXXX, and he stated the interest could not be waived and that I can not escalate beyond him.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Fraudulent account XXXX XXXX XXXX XXXX XXXX Fraudulent inquiries XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of inquiry XXXX XXXX XXXX XXXX XXXX  Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Product: Debt collection

My car was repossessed XX/XX/XXXX. I was told i had until XX/XX/XXXX to pay XXXX to get it back. I payed XX/XX/XXXX, and they said that day the car was sent to the auction and they wiil get it back they told me it will be back the XXXX. Its still not there yet
Product: Money transfer, virtual currency, or money service

On XX/XX/23, I had sent a domestic wire transfer from XXXX to Bank of America. 

Unfortunately, there was an error and the money was returned. However, when the money was returned {$45.00} was taken out. 

I called both Bank of America and XXXX multiple times and both institutions confirmed that they did not charge this {$45.00} ( or any fee ) and no explanation was given for where this money went. 

Additionally, as a Preferred Rewards Member with Bank of America, all wire transfer fees are waived for me and XXXX does not charge wire fees. Neither institution has any disclosures of {$45.00} charges for any wire transfers that are returned.
Product: Student loan

On XX/XX/XXXX, i sent an email to climb credit regarding the cancellation of a loan for {$10000.00}. On XX/XX/XXXX, they sent me back an email saying Once your loan has been originated, the school must submit the request to Climb to initiate any necessary actions regarding it. I am with an online web academy called XXXX, whom i have contacted numerous times from the XXXX until now receiving no answer for my efforts. I have been requesting XXXX to submit the request to climb to initiate the cancellation of the loan but that has not happened and the loan amount keeps increasing with every passing day. The current amount of the loan is {$10000.00} and rising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to dispute all hard inquiries on my credit report. TransUnion XX/XX/XXXX for {$220.00}, XX/XX/XXXX for {$180.00} and XX/XX/XXXX. I would also appreciate if the closed accounts may also be taken off as well. They are the following. XXXX XX/XX/XXXX and XXXX 's XXXX XX/XX/XXXX and XXXX XXXX. I'm not sure why there's two separate dates for the last one. Thanks you in advance
Product: Checking or savings account

I am a victim of a data breach from Bank of America on the morning of XX/XX/XXXX. A person with an identical spelling to my legal name called my cell phone to inform me that, after logging into her online banking using her own username and password, she could see all of my account information. In fact, her login information on BofA had my account and hers combined on her online banking page, even though we have different social security numbers and other personal details. She had access to my money and personal information, including my address and phone number. 

Initially, I was confused, so I asked her to text me proof, such as a screenshot. After she texted me her login page, I was shocked to see all XXXX of my accounts ' information exactly as she described. She not only could see all my XXXX accounts but also, on her information page, there were her email and phone numbers, as well as my and my husband 's information ( which is how she found out my phone number ). 

This irresponsible handling of my data by BOA has deeply concerned me. My business and personal accounts, as well as my home address, were all exposed to strangers without my knowledge. When I called BOA on XX/XX/XXXX and XX/XX/XXXX, they had no idea why this kind of system breach could happen and even asked me how long ago I thought it had occurred. The person from fraud department also mentioned that there are XXXX other complains about the same manner. 

BOA then froze my XXXX accounts, affecting my business since XX/XX/XXXX as customers were unable to transfer money. Yesterday, on XX/XX/XXXX, I spent 3 hours at a BOA branch to open new accounts for all XXXX of my BOA accounts. I had to ensure that payroll could proceed normally the next day ; otherwise, my employees would understandably be upset. Now I don't even have access to my online banking any more since they are all stopped to prevent future loss. As of now, I have spent more than 20 hours on this issue, which was not even my fault but a ridiculous breach from a renowned bank like BOA. This should not even be called fraud but 100 % BOA system errors.
Product: Credit reporting or other personal consumer reports

My repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These false entries have severely disrupted my life, causing considerable stress and anxiety. I emphasize that I never authorized this information to be associated with my name, as I am a victim of identity theft.
Product: Debt collection

This company called XXXX was suppose to design a website for me and also promote the website online. They made a website without my input whatsoever. Then they never launched it online. They wanted to charge me {$100.00} per month for website hosting and maintenance, but the problem is why should i pay for something that i do n't have or something that was never done. They are complete scam artists with many negative reviews online.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRAsection 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX XXXXBalance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; AXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently checked my student account from the XXXX College of XXXX and there is a so-called " Hold '' from ICR ( Immediate Credit Recoveries ). I 've never done business with this company and I pay my tuition with Federal Financial Aid and have already resolved my payment option through the Financial Aid Office of my University. I have not received any written nor electronic communication from this company nor from my school about this issue.
Product: Debt collection

On XX/XX/XXXX, the following agency I.C Systems they have reported a new account on my credit report. I never entered into an agreement with this agency please investigate this fraudulent attempt on a collection of debts on my credit profile. My next course of action is to file a complaint with my States Attorney General Office. Please investigate this company as soon as possible.
Product: Debt collection

Dear XXXX XXXX and Steven Business Services ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting

i believe im a victim of identity theft and fraud.i am unable to get my credit report due to not knowing answers to questions about activity in 2009. I have never applied for a mortgage loan, ive never owned a credit card, ive been trying to establish my credit and this is an issue. my report from XXXX was accurate except for a few addresses listed, equifax however did not allow me to obtain a report based on the information they have not matching my information. please help me to obtain my reports so i can see what is wrong and i can go about filing report
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C.

These collection found within my credit report are not related to any transaction tha made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC.

IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy And confidentiality under 15 USC 1681.

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 an 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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please provide the debt assignment ledger between your company and the original creditor, complete transcripts of all disputes with orginial creditor, and all accounting documents for the referenced debt account. Please provide when all disclosures were sent according to the FDCPA. For complete transparency proof of ownership is required to collect any debt.
Product: Debt collection

This complaint concerns Caine & Weiner Company , Inc. ( hereinafter " C & W '' ) located at XXXX XXXX XXXX, 4th Floor, XXXX XXXX, CA XXXX, telephone number ( XXXX ) XXXX. 

On XX/XX/2019, C & W violated 15 U.S.C. 1692 ( f ) ( 1 ), also known as 808 of the Fair Debt Collection Practices Act, which states that " [ a ] debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt ... the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. '' The circumstances of this violation are as follows : a ) on XX/XX/2019,  I, the reporter and consumer, called C & W to settle an account it had reported to the credit bureaus under my name, and which it claimed was an amount owed by me. The original creditor was XXXX XXXX, and the alleged original debt amount was {$490.00}. I offered to pay the account in full conditioned by the guarantee that C & W would delete the account permanently and completely from my credit reports. C & W agreed. I provided my credit card number to C & W. C & W, prior to charging my card for the amount allegedly owed, insisted to me that there was a " {$12.00} convenience fee '' that I had to remit in order to make my payment. C & W claimed that I was required to pay {$500.00} to settle the account. C & W had previously refused to provide any verification or accounting of the amount I owed. C & W did not provide any evidence that state law permitted a {$12.00} " convenience fee '' or that the original creditor 's agreement with me provided for a {$12.00} " convenience fee ''. In fact, the original creditor 's claimed amount owing of {$490.00} already included a {$5.00} " installment fee '', and the amount had long since been solidified by C & W and the original credit as the final amount due and owing - and this amount is the amount C & W reported to the credit bureaus.

C & W 's insistence that I pay an amount in excess of this amount is a clear and flagrant violation of the FDCPA, and I suspect that C & W is committing this violation with most, if not all, of its other accounts on which it is collecting from consumers. This deceptive and highly illegal practice must cease at once.

Finally, C & W refused to issue a receipt or confirmation of my payment to me in writing, whether electronically, via mail, or otherwise. C & W issued a " payment confirmation number '' to me, which it asserted was : XXXX. 

Thank you.