23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Several months ago I started receiving debt collection letters from Transworld Systems Inc . The first letter had my name spelled incorrectly and my address incomplete. I called the company to dispute the debt ( allegedly from " XXXX XXXX, '' a company I have never done business with ) and they said they would get me more information about when and where this alleged purchase was made. I never heard back from them with additional info, but did receive a phone call a month later asking me to pay the debt. I told the representative that I did not owe this debt and ended the call. 

In the past several days I have received two more collection letters from Transworld ; XXXX has a creditor of " XXXX XXXX , XXXX '' and the other has " XXXX XXXX XXXX , XXXX '' My name and address are now correct ( likely because I told them the correct spelling and address when I called about the first fake debt several months ago ). After the second letter arrived, I called Transworld again to dispute the debt, and again was promised more information that never materialized. Today I received the 3rd letter and am not even going to bother calling this dishonest, unlawful company this time. 

I am being harassed by this company with these repeated letters attempting to collect debt I do not owe. The amounts are fairly low ( the most recent letters were for {$50.00} and {$29.00} ) but the fact is that I never did business with these companies and do not owe them any money. I would like these fraudulent attempts to scam money from me to stop.
Product: Credit card or prepaid card

I have been a Wells Fargo customer for 8 years. Back in 2017 I would be paying the minimum or more than minimum each month. I lost my job and then hired by XXXX. In XX/XX/2017 I failed to make a late payment due to personal financial hardship, due to having a XXXX. Then finally paid the amount on XX/XX/2017 ; a total of {$490.00}. This has been the only late payment on my history, ever, that decreased it to 97 % percent
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I recently paid a collection account in full on XX/XX/21. I proceeded to submit a dispute with all 3 bureaus to have the collection account removed from my credit report or my report updated to reflect showing paid in full. I received notification from XXXX  on XX/XX/21 indicating that my dispute yielded updated information, however the dispute did not accomplish my goal. That updated information indicated that as of XX/XX/21, my account was past due for the full balance remaining of {$1200.00} and remains an open collection. I want to file formal FCRA violation complaints against The Bureaus, Inc. and XXXX XXXX XXXX. The former is the collection agency showing on my credit report and the latter is the company that is showing on my bank statement as receiving my payment. I have never entered into ANY contractual agreement with either company and a web search of both companies shows that they are separate entities with separate addresses, yet I dialed a single phone number to a single company ( The Bureaus, Inc. ). Please research my claim and inform these companies of their formal FCRA violation. There should be no reason why a debtor pays a debt in full yet the creditor reports false and/or inaccurate information to the credit bureaus after the debt has been paid in full.
Product: Mortgage

In 2016 I purchased a property that we closed on in XXXX. I started the application process in XXXX with several different lenders while I was exploring options. It is my understanding that hard credit inquiries were to be grouped together if they were related to one event. So instead of my report reflecting one inquiry, it has seven separate inquiries which negatively affects my credit score. Would you please review the inquiries and group them so that they are correctly identified and related to this one financing event. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  Re : Debt Validation Request I am writing to you in response to a notice I received regarding an alleged debt claimed to be owed by me. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt. Please provide the following information : 1. **The amount of the debt** : A complete breakdown of the amount owed, including any fees, interest, and principal balance.

2. **The name of the original creditor** : The name and address of the original creditor to whom this debt is owed.

3. **Verification that I owe the debt** : Documentation that verifies I have a contractual obligation to pay this debt, such as a copy of the original signed contract.

4. **Details of the debt assignment** : Proof that your company has the right to collect this debt, including documentation showing the chain of assignment of this debt from the original creditor to your company. 

Until you provide the requested validation, I am disputing this debt and requesting that you cease all collection activities in compliance with the FDCPA. Furthermore, please note that any attempt to report this debt to credit bureaus without proper validation is a violation of federal law and my rights under the FDCPA. 

I request that all future communication regarding this matter be done in writing. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation and verification of a bankruptcy with LexisNexis, that has been reporting to the XXXX and XXXX  credit bureaus. After 30 days I received a response from Lexis Nexis stating this was verified. They did not give me the procedure used as requested. According to the FCRA credit reporting agencies are required to provide to the consumer the method of verification and proper validation upon request. This includes the name, address, and phone number of the verifying individual. Lexis Nexis violated the FCRA by not complying with its guidelines. Furthermore, I also contacted the local courthouse via mail to verify if Lexis Nexis verified with them. I received a letter from the court clerk stating THEY DO NOT give any information to any of the credit reporting agencies including Lexis Nexis. I do not know how Lexis Nexis received PROPER verification and validation if it did not come from the source of the information themselves. This is a direct infringement of my rights under the FCRA. I am asking that this bankruptcy be removed.
Product: Credit reporting or other personal consumer reports

Experian is has violating my rights according to the FCRA. I have the right to privacy according to 15 U.S. Code 1681 Section 604 A Section 2. I have never given Experian consent to report anything on my consumer report. These accounts are not 100 % accurate and are not IAW the FCRA. Delete these Late Payments and Update my Payment History to XXXX Status. Inaccurate 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 ( Debt included in XXXX ) DELETE because Debt included in Bankruptcy, and XXXX XXXX XXXX- # XXXX. Violations of my consumer rights are as follows : 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 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 : States a CRA can not furnish an account without my written instructions ; I never gave anyone written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any other adverse item of information. Experian also ignored 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Experian is Illegally reporting Open and Closed accounts with Balances, as Charged-Off ( CO, CO, CO... ) and Late Monthly. Experian is also ignoring this Law : 15 U.S.C. 1666 ( b ) ( 4 ) - Billing Errors, and 15 U.S.C. 1681e : Compliance procedures. My credit report must be 100 % accurate and it is not.
Product: Credit reporting or other personal consumer reports

There is an XXXX XXXX XXXX XXXX credit card opened and being used in my name, but its not my credit card and I never opened a card with this account
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit, I have reached out to the establishment and reporting credit bureau frequently to have this file investigated and handle accordingly on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Disputing and submitting supporting documents that the property for this account was surrendered in XXXX  XXXX bankruptcy filed XXXX XXXX.To later be informed XXXX after per XXXX XXXX XXXX XXXX that they did not have a deed in lieu on file is ridiculous being that the property was surrendered through bankruptcy which was on file.This file has yet to be updated accordingly.
Product: Credit card or prepaid card

I disputed a {$290.00} charge from XXXX XXXX with AMEX twice ( Ref Nos : XXXX and XXXX ) but AMEX never understood my questions. Here is the situation : we are XXXX XXXX card holders and we stayed at XXXX XXXX between XX/XX/XXXX to XX/XX/XXXX. Upon checking in, we provided our credit card for possible incidental charges and requested if an upgrade is available. We were given the upgrade and we know, as a benefit of XXXX card owner, the upgrade is free if available. Obviously, it is available. When checking out, no one asked us to sign any credit card slip. We found out later we were charged {$290.00} for the requested upgrade so we disputed the charge. So far, no one from AMEX even address our real concerns : 1 ) why were we charged for the available upgrade when it is part of the benefit ; and 2 ) we never authorized such charges and we never signed the credit card slip for this charge. I am hoping to get some answers since in those two disputes I mentioned, XXXX XXXX simply presented some internal record and a copy of UNSIGNED credit card slip. I hope AMEX can finally understand my questions and address them directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Addresses : XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX : XXXX XX/XX/2020 XXXX, XXXX XX/XX/2020, AN XXXX XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XX/XX/2020, XXXXXXXX XXXX XXXX XX/XX/2020, XXXXXXXX XXXX  XX/XX/2020, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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 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 XX/XX/XXXX XXXX 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 XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

I was pregnant in XXXX. after I discharge from hospital ; My health insurance paid all my expenses. I received separate bills from doctors. I paid for all of them. I did not receive any bills standing. 3 years later when I pulled my credit report ; I saw that same depth collector " FIRST FED CREDIT CONTROL : '' put 17 collections averaging less than {$100.00}. They did not send me any letters or did not contact me. This is an unlawful and illegal way to attempt collection. Also, They report the 3 credit agencies 17 times the same amount. Credit agency especially XXXX, reporting wrong information. They like to report negative items in the credit reports that banks can ask higher interest. This is not the fare of doing business. FIRST FED CREDIT CONTROL collection did not attempt or show proof of depth to me. They should remove all negative items from 3 credit companies asap.
Product: Checking or savings account

XX/XX/22 : Received email regarding opening of Bank of America XXXX XXXX Banking Account. I did not open this account, so I emailed their abuse department. No action taken so far. 

Just getting ahead of the curve on this.
Product: Debt collection

Called repeatedly every day multiple times. 

When I answered I told him I was at work and couldn't speak to please mail all items. 

The continued on and said he works the same hours I do and went on and on even when I said I needed to hang up so I wouldn't get in trouble at work. 

He came across very threatening to me. Please pull the audio recording.
Product: Debt collection

HI ; SUNRISE CREDIT SYSTEMS GROUP XXXX XXXX XXXX Collection {$720.00} Im confused and stressed and 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 or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX 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
Product: Credit card or prepaid card

I closed my credit card account, by phone, on XXXX. I was moving, told the agent my new address and asked for my final statement to be mailed to my new address. I never received the final statement. 

Approximately XXXX I received a statement with both late fees and interest but no detail regarding the purchases. On XXXX, following the instructions on the back of my statement, I sent a letter disputing the fees and asked for a statement detailing the charges. 

XXXX. I called, asked them to stop charging me interest and please mail a statement with subject charges. I still had no idea what charges I allegedly had made. 

XXXX. I received another statement with more fees and interest but still no detail regarding the charges! 

XXXX. Received statement detailing charges. I saw charge from a fraudulent web page that changes your address. They don't tell you they charge {$40.00} for a free service! 

XXXX. I sent letter disputing the fraudulent charge and the continued fees. 

XXXX. Received a letter saying they are investigating. 

XXXX Received a letter denying my claim because I took too long! They never respond and I took too long, insulting! 

XXXX I sent my last letter with a check to cover the 1 legitimate charge to my account, my cell phone bill. I told them I had no intention of paying any more, ever. 

XXXX. I received another denial letter which I returned telling them I'm filing this complaint. 

It comes down to them being negligent in forwarding my statement and then denying my claim against one of their deceptive vendors, blaming me saying I took too much time?
Product: Debt collection

I have received repeated calls from a few different  XXXX  or  XXXX  numbers in recent weeks  (   XXXX   2017  ). Within the last few days they have switched to " private numbe r ''. Yesterday  (     XXXX   XXXX   , 2017 ), som eon e left  a message with no name, no company identified, and said they were " delivering important certified legal documents to take legal action '' I erased the message thinking it was som e SPAM or Ro bocall.      Today (     XXXX   XXXX  , 2  017   ) the number called again and I answered. I asked for the person to identify themselves, they did not give their name, but said they were from a " Bayside Capital '' group and told me that lega l documents would be delivered next week and that they are obligated to inform me. I said what is it in reference to? He gave no answer he just kept saying " it 's about legal documents that will be delivered '' I asked for a number and he gave it. I have no idea who this company is, what they want or what they are talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion by telephone to resolve an issue of an unauthorized inquiry on my credit profile. This issue remains unresolved.
Product: Debt collection

Portfolio Recovery insists on calling me repeatedly about credit card debt after being instructed not to call. Its number is XXXX
Product: Credit reporting or other personal consumer reports

Removal of this account because its not reporting to all 3 bureaus correctly. The FCRA mandates that credit reporting agencies must maintain accurate information about a consumer 's credit history, meaning if the collection agency doesn't report to all 3 bureaus, it may be considered inaccurate information under Section 1681s-2 ( a ).
Product: Credit card or prepaid card

someone tried to open a credit card on my name and now my credit history/report is completely locked.