23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by XXXX at XXXX XXXX. At the time I was on the phone, so was unable to take the call. The caller left a voicemail stating " This is XXXX XXXX calling in regards to documentation returned to my office as undeliverable, no signature obtained. To reschedule a delivery or to get details on this matter before any decisions are made without your knowledge, please contact me at XXXX. '' When I called the number back, I asked for the Company " Excella Recovery Group '' and said that I never received a letter stating what this debt is for. I never received the gentlemans name, but he stated he would send another letter and hung up. I tried to call again and ask for the address and another gentleman hung up on me. The XXXX time I called, a woman named XXXX answered stating ERG and when I asked for the address, transferred me to XXXX. XXXX gave me the address of XXXX XXXX XXXX, XXXX, NY XXXX. ( When I searched this address on the internet, it brings up a realty group, XXXX, XXXX, XXXX, XXXX and XXXX ) XXXX stated that I had complained and they had removed my phone number from the system. This seems suspicious to me. I 've paid multiple times on payday loans and I continue to be scammed by companies. I do n't owe any more on these loans.
Product: Student loan

My wages were garnished, without any notice, by XXXX. Upon contacting XXXX, I have received a lot of obfuscation regarding who my loan was with. XXXX claimed that my loan was created with the lender : the University XXXX XXXX XXXX. Upon checking my credit report, sure enough, the financial bank/lender is listed as the University XXXX XXXX XXXX. This is a college, not a bank. I did not take out loans from this college, and I did not take out loans to go to this college. Upon further investigation, I have been told ( only on the phone, never in writing ) that the lender was an organization called ACS. When I looked this up online, I found that this organization no longer has a contract with the United States Department of Education and was responsible for a 73 % default rate. XXXX I did not have a loan with this organization, and I did not have a loan with XXXX. I also did not have a loan with the University XXXX XXXX XXXX. Nevertheless, after submitting disputes to all of the credit bureaus, I can not manage to get this removed. I have documentation of everything, but the US Department of Education changes from one contractor to another, and I can not talk to any actual human working for the United States government to get this resolved. All " financial entities '' continue to claim that they are " no longer servicing the loan, '' so they wo n't do anything to remove completely fraudulent information either. In fact, ACS has an automated answering machine and wo n't have a real person accept calls regarding student loans. This is all such a scam. I never took out a loan. I want the information removed from my credit report. I do n't care if it is XXXX or ACS that needs to remove it, but someone needs to be held accountable.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXX XXXX  Account # : XXXX  to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked with Vance and Huffman about my account! I was told that once the payment was mad that the account would be remove from my credit reports! It was removed from XXXX and XXXX.It was completely removed from XXXX but not XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a collection account on my credit file. The account in question is listed under the name of I XXXX XXXX XXXX with the account number XXXX. This account does not belong to me, and I demand that it be thoroughly investigated and removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate representation of my credit history. The inclusion of this fraudulent account constitutes a clear violation of my rights under Section 605 of the FCRA, which mandates that only accurate information can be reported. I dispute this account as unauthorized and erroneous, and it should be permanently removed from my credit report.

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits any attempts to collect a debt from an individual who does not owe it. This collection account has no legitimate basis against me, and I will not tolerate any further attempts to harass or damage my credit. The reporting of this account is an unlawful violation of my rights, and I am prepared to take appropriate action if necessary.
Product: Debt collection

I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX, I am writing to request these items to removed from my credit report. 

1 ) Incorrect Employer : XXXX The correct employer should be : XXXX XXXX XXXX XXXX Please update 2 ) Late Payment from XXXX XXXX XXXX XX/XX/XXXX Account number XXXX XXXX ) I do not recognize these inquiries. I would like to remove them from my credit report XXXX Inquiries These lenders have accessed your credit file : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX XXXX 6 LATE PAYMENTS Credit usage 100 % Balance {$340.00} Balance updated XXXX XXXX, XXXX Credit limit {$300.00} Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card Status Open. Status updated XX/XX/XXXX Highest balance $ XXXX Monthly payment {$25.00} Last payment date XXXX XXXX, XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX THE DATE OPENED DATE CLOSED AND LAST PAYMENT IS IN ACCURATE ON THE 3 CREDIT BUREAS AND ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL ... SINCE THIS IS A FRAUD DUE TO IDENTITY THEFT THIS BE REMOVED FROM CREDIT PROFILE AND CONSUMERS REPORT 4 BUSINESS DAYS FROM RECEIPT RESPONSE DISPUTE DISPUTE RESPONSE! 
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CONSUMERS REPORT AND CREDIT PROFILE It is now XX/XX/XXXX2023 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting

I previously disputed XXXX accounts to the equifax in XXXX, that was listed under this same company who has changed their name of XXXX and now calling themselves XXXX as a way to keep a debt that was closed in XXXX and discharged XX/XX/XXXX. I am upset because this is showing on my credit as of XXXX and as well as an eviction. I was not evicted out of my home and landlord lost case was dismissed both times he has tried. The landlord at that time for ( XXXX, Tx ) served an eviction to an empty home, even know he knew no one was living there. This account should not be showing as a collection as his debt is not valid. Please see dismissal from the court as well as the discharge from debt showing a previous creditors name. The creditor ( XXXX aka XXXX ), people are taking advantage of me by replacing this information on my name with a different creditor, as well as now i have I 've found out that they are showing XXXX evictions under my name from the same people, all of which are not true. Im not sure why the Equifax credit reporting agency and affiliates are still showing this as a collection on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Called the customer service for the Chase Sapphire Reserve card and reported a fraudulent charge and two weeks later my credit report has impacted very adversely notating that Chase reported a complaint.  The Credit specialist at Chase is not giving me much information or having this resolved.
Product: Student loan

Called on XX/XX/XXXX to tell Sallie Mae that I had recently lost my job and would not be able to make payments for a month or two on my interest payments. Told them that I would be starting a new job soon but would like to alert them and delay payment for the next month or two. Was told that there was no way to delay interest payments and was actually made to pay " good faith '' money in order to stop making payments for one month. Have still been charged interest payments and getting calls that I need to make interest payment despite having told them that I would not be able to make an interest payment for a month or two.
Product: Debt collection

I had applied for Rental Assistance and was approved to get the 3 months paid off but the assistant manager of the apartments said they were not participating in the XXXX rental assistance program anymore. I sent emails to the manager to show proof of approval to pay off the amount. We went to court and the attorney representing the apartments dismissed the case along with the judge dismissing the case I have the letter from the judgment of dismissal of the case. They recently put it on my credit report.
Product: Checking or savings account

Hello, On the XX/XX/2019, I bought an airline ticket [ Booking Reference No- XX/XX/XXXX ] from XXXX XXXX using my Bank of America Checking Account [ XXXX ] to fly out the next day. On getting to the airport the next day, I was told my bank had not approved the transaction and the temporary ticket issued was not valid for travel. It was an urgent travel, so I had to buy another ticket at the airport using another account which got approved instantly. 

I have since filed a dispute with BOA [ claim XXXX ] on XX/XX/19 and also contacted the merchant [ XXXX XXXX ] same day with several follow-up calls made for an update but for whatever reasons I keep getting the same response which is that they are looking into it. 

It has been over 3 months since the dispute was submitted and I will like CFPB to help retrieve my money back from XXXX XXXX. 

Thank you so much. Truly appreciate a swift response on this. 

Sincerely, XXXX XXXX.
Product: Debt collection

There is an account on my credit report listed as Federal Bond and Collection stating it was opened in XXXX 2015 in the amount of {$2500.00} but the current balance owed is {$4600.00}. This is a fraudulent collection as I did not open any accounts or loans around that time and in those amounts. There needs to be documentation produced to prove this collection is valid and belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX  has violated my rights. 

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
Product: Credit card

I had a balance of {$6200.00}. I made total payments of {$5300.00}, PLUS Citi credited my account {$840.00} for a fraudulent charge. This equals {$6200.00} in payments and credits. Remaining balance was {$0.00}. Citi is charging me interest for the fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched Equifax Credit Report XXXX XXXX Account XXXX ) Date Closed XX/XX/XXXX Sold/Transfered Deliquent ** IS STILL OPEN See attatched XXXX XXXX XXXX Account ( XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$100.00}?????? What is going on? AND WHICH ACCOUNT OPENED THE VISA XXXX AUTOMATICALLY WITHOUT MY AUTHORIZATION?
Product: Credit reporting or other personal consumer reports

This is a follow-up complaint regarding Experians ongoing violation of the Fair Credit Reporting Act ( FCRA ) and their blatant refusal to comply with federal laws governing credit reporting. 

Case Background & Experians Repeated Illegal Conduct I originally disputed a XXXX XXXX XXXX charge-off account on my Experian credit report because they illegally re-aged the charge-off date from its original date of XX/XX/XXXX to a later date. 

In XX/XX/XXXX, after my dispute, Experian wrongfully updated the charge-off date to XX/XX/XXXX instead of restoring the original date or removing the inaccurate data. 
In XX/XX/XXXX, they again re-aged the charge-off, further violating FCRA laws. 
Most recently, in XX/XX/XXXX, despite another dispute, Experian has once again changed the charge-off date to XX/XX/XXXX instead of correcting the error. 
This is not just negligencethis is willful misconduct and a direct violation of federal law under multiple sections of the FCRA, as detailed below. 

Legal Violations Committed by Experian 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy Experian continues to report false and misleading information, which is a violation of their legal obligation to maintain accurate consumer data.

15 U.S.C. 1681s-2 Furnisher Responsibilities XXXX XXXX XXXX and Experian are knowingly participating in an illegal re-aging scheme, which extends the reporting period of negative information beyond legal limits. 
15 U.S.C. 1681i ( 5 ) Failure to Conduct a Proper Investigation Experian has repeatedly failed to investigate and correct the errors despite multiple disputes.

15 U.S.C. 1681c ( c ) Reporting of Obsolete Information By updating the charge-off date improperly, Experian is illegally extending the time this negative information remains on my credit report beyond the 7-year reporting limit.

Experians Misconduct Aligns with CFPBs Current Lawsuit Against Them Experians repeated failure to investigate and correct these errors is consistent with the CFPBs recent lawsuit against them for sham investigations and illegal reinsertion of errors. The CFPBs lawsuit already highlights Experians deceptive practices, and my case provides further evidence of their ongoing non-compliance with consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX G XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX  XXXX Balance Owed : {$300.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$65.00} XXXX XXXX CO XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance XXXX : {$29000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach and because of that I have had multiple accounts including credit cards and cell phone accounts and an installment loan opened in my name. Also numerous hard inquiries. I have have contacted all 3 credit bureaus multiple times and they are refusing to remove the information from my credit report. I have filed a report with identitytheft.gov so it is reported that the accounts are not mine.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) to request that the Consumer Financial Protection Bureau XXXX CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX Balance : {$4000.00} XXXX  XXXX BANK XXXX Balance : {$530.00} XXXX BANK XXXX Balance : {$2700.00} XXXX BANK XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} CONSUMER ADJUSTMENT Original creditor : XXXX  XXXX Balance : {$8100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX FL XXXX XXXX : {$1900.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX AUTO SHOW SALES AND Inquired on XX/XX/XXXX XXXX AUTO SALES Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Capital One Credit Card for 4 years. I never used the card before and kept requesting a copy of the card because I have never had possession of the card. They keep 'mailing ' it to me but I never get it. For some reason they pull my credit report 1-3 times per month for the last several years. I called them and everyone I speak to just transfers me and says 'it is out of their expertise. ' I want Capital One to stop pulling my credit report!!!
Product: Debt collection

Collection agency claims I owe for a subscription I did not have. I have received XXXX mailings thus far.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is showing pays as agreed a closed or paid account but its still showing on my report. Can the company provide proof an ownership an that the account was paid by collateral.
Product: Credit card

I made a payoff amount for the entire balance on the credit card statement with Citi. The following month I received a statement showing that I owe {$1.00}. When I inquired and spoke to 3 different customer reps, I was advised that they can charge additional interest even if you payoff your entire balance on the account. This is FRAUD.