23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

DESIGNED RECEIVABLES SOLUTIONS ( DRSI ) hereby referenced as 'Defendant ' incorporated in the state of XXXX ; XXXX. as a foreign entity in the state of CA entity # XXXX alleged consumer hereby referenced as plaintiff of owning debt as a result of identity theft for a total amount of {$490.00} Plaintiff requested defendant to perform debt verification pursuant to the tenets of Section 809 ( 15 USC 1692 ), Validation of Debts, within the Fair Debt Collection Practices Act ( FDCPA ). 
Plaintiff was misleadingly asked to provide his personal data such as address which is different from the address defendant had previously collected from his client, XXXX. [ Exhibit.1 ]. Defendant purposely collected data to match consumers ' profile and therefore have this fraudulent item reported. Nevertheless, the collected data such as address should have been used for legal correspondence purposes only between plaintiff and defendant pursuant to 15 U.S.C. 1692 Section 805 however defendant used this address to falsely and knowingly report fraudulent information on defendant 's credit profile AFTER plaintiff indicated that debt is result of identity theft. 
Prior to credit bureau reporting, plaintiff performed validation of this debt and responded within the 30-day time period as set by 15 U.S.C. 1692 Section 809. Plaintiff informed defendant regarding the fraudulent nature of this debt. Specifically, following information does not match with plaintiff 's consumer profile : SS # Address # Insurance information # Plaintiff claims this debt is fraudulent. Plaintiff provided a copy of his police report to further justify his claim further requesting the defendant to refrain from reporting fraudulent data on consumer 's report pursuant to FCRA 1681 Section 808. Plaintiff requested defendant to cease further communications with plaintiff as per the fraudulent nature of this debt. 
Nevertheless, defendant reported this debt to plaintiff 's credit profile which violates the Fair Debt Collection Practices Act. Defendant is in violation of the following FCRA 1681 Section 808 : 807. False or misleading representations 808. Unfair practices 809. Validation of debts 812. Furnishing certain deceptive forms
Product: Credit card

FROM THE BEGINNING : I opened a line of credit with XXXX Company for XXXX with XXXX XXXX XXXX. I made my first payment XXXX on XX/XX/XXXX. I did not miss one payment. I was not able to pay on time like I wanted to because the bill was due on the 3rd of the month, which is around the same time the rent was due. I dont have enough money left over to pay this bill on time after I paid the rent, so I paid with the next check. I have 2 checking accounts. I made 6 payments with one account and 5 payments with the other. Which was a total of XXXX. Then they sold my account to Concor Credit. When the new company took over I made my first payment with them in XXXX and I made my payment in XXXX which brings my payments up to XXXX. Concor Credit is saying I owe them an extra 588.00. That is not true and I have the bank statements to prove it. I know this can not be late fees, if so this amount can not be legal. Again the amount of the credit line is XXXX and I have paid XXXX which means I should only owe XXXX. I found out about the XXXX when I called in to make a payment and the CSR XXXX told me all of this and said that I bounced a check. My bank confirmed that is incorrect and again I have the statements to prove this. I made a payment of XXXX and said I was going to dig deeper into this matter. They are trying to rip me off and I am not taking it lying down. I just want to pay this debt off and move on. Please let me know if you need any evidence from me. 
AND NOW!!! 
I called almost 3 weeks ago to pay off my bill and once again they quoted over XXXX being owed, This is after they called and explained that they see all my payments and to pay this account off would be XXXX. 
I have left 3 messages so far, requesting a call back so the matter can be resolved. 
No one has called me back.I think what they are trying to do is let the bill go until I do have to pay them interest. 
Here is my resolve if they do not contact me before XX/XX/XXXX. I am call the " States Attorneys Office and open an investigation, not to mention I have already spoken to a lawyer. " Im tired of this!! All I want to do is pay my bill and close my account, but they are trying to rip me off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This what you responded it was a canned response I am not using punctuation or sentences because you wont read it your canned response is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of XXXX data breach an I noticed a few fraudulent inquiries placed on my credit report without my proper authorization. Ive reached out to the credit bureaus to resolve the situation but they still failed to remove the fraudulent inquiries witch is listed as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Complainant Information : Name : XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Subject : DEMAND for Immediate Removal of Alleged Late Payments from Credit Report Complaint Details : This is a formal and unequivocal demand for the immediate removal of alleged late payments tied to the following account : XXXX, Account # XXXX Under consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and related legal precedents, transactions and experiences between a consumer and a creditor are not to be reported on credit reports. These alleged late payments are therefore unlawfully being reported. 

Reporting this account with alleged late payments constitutes an illegal act of defamation and misrepresentation, causing undue harm to my credit profile and financial standing. This is a blatant violation of my rights as a consumer, and I will not tolerate this misconduct. 

I am demanding the following : The immediate and permanent removal of the alleged late payments associated with the above account from all credit reporting agencies. 
Written confirmation that these inaccuracies have been corrected and that my credit reports fully comply with the law. 
Failure to resolve this matter promptly will leave me with no choice but to escalate further, including filing additional complaints with other regulatory agencies, issuing formal notices of dispute to all relevant parties, and, if necessary, pursuing legal remedies. 

This issue requires your urgent and immediate attention. I expect a resolution within a reasonable timeframe. 

Thank you for your swift compliance with this request. 

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

XXXX XXXX is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. XXXX has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting XXXX and XXXX XXXX and hours of hold times with XXXX, I have not been able to resolve this on my own. XXXX XXXX has also hung up on me twice over the years trying to resolve this.
Product: Debt collection

XXXX XXXX from 2015 sold to secondary agency without my knowledge or approval to Jefferson Capital systems. This violates 15 USC 1681A, 15USC 6802, 15USC 1681B and 15 USC1681N.This states its a violation and I can sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a letter from XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, MA, XXXX ) about my mortgage loan number XXXX, responding to an Automated Credit Dispute Verification ( ACDV ) for my loan accounthrough the XXXX  credit reporting system. 
Upon reviewing the loan account by the XXXX XXXX compliance Department, it has be determined that the credit was legitimately reported to the Credit Reporting Agency. 
There are no surprises- I do not think they will claim otherwise even though the admitted that the second mortgage account I have with XXXX XXXX was corrected per dispute request.

I was angry, and I sent I believe an inappropriate massage blaming them for wrong doing. 
I apology for my fast reaction. 
However, in that letter and in this one I am claiming that it is unfair, to send a credit report of late payment for a mortgage that is being payed automatically every month for more than seven years and over {$700000.00} payments that I was late. 
XXXX XXXX changed the payment because of interest change and did notify us on time or we did not get the notification on time, no one called ahead of time and there was no way to know. The late payment. is foe may $ XXXX. To destroy my credit report {$130.00} as compared to {$700000.00} I think is not just unjust and agravating but is insulting to the whole credit reporting system, if it is acceptable. 
I really love to see if there is a possibility of an audit for how many times the bank did the same so the customers will not be able to remortgage and the bank can take advantage of the interest change. 
I know my request may sound outrageous but it is a real possibility. 
Luckily I can pay, others may lose there home do to an unfair reporting. 

Thanks for investigating, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

So XXXX  isn't reporting my payment history on my credit report and I paying
Product: Debt collection

so i filed a identity theft report with the ftc and i printed the documents and sent the to this company and its been over 2 weeks. i told them it wasnt mine and even included in the letter that someone was in jail for stealing my identity and even the persons full name and jail they are currently in. i dont know what else to do because the police in the case called me and told me what happened and told me the lady had charges in my name as well and i should look at my credit report because she had credit cards with my name. please help me with this.
Product: Vehicle loan or lease

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX I am writing to request the investigation and correction of a repossession that appears on my credit report. The credit report number is listed above the repossession is listed above far as date it was open and closed with account number included and creditor name. 
The repossession is inaccurate because as you can see on credit report it shows two different account balance for certain amount owed its not accurate whats so ever I am request item be removed I have attached documents for this dispute and supporting evidence please reinvestigate this repossession and delete account as soon as possible
Product: Vehicle loan or lease

In XXXX of XXXX Nicholas Financial refused to process my payment, thus pushing my loan into default and showing a late payment on my credit. It ' ; s important to know that, I had restricted from making payments online, even after I asked that the problem be corrected, so I was forced to email a representative when I wanted my payments withdrawn. I have an email showing that my payment was not taken out as instructed. After my loan defaults, I find out that I was not only over charged, but that these people have committed fraud against me. First, I never gave permission for Nicholas Financial to run my credit in XXXX of XXXX. No one asked, they ran my credit even though I financed my car in XXXX XXXX. I want that inquiry removed. Also, that amount shown on my credit report of {$8700.00}, reported by Nicholas Financial, is incorrect and should also be removed from my credit. Nicholas Financial has passed off a insurance fee, which is not valid, as the policy was canceled at inception ( it never was in the insurance world ), yet they have charged me and demanded that I show proof of insurance to them! It's crazy. The issue is, there was never a policy so why am I being charged? Further, as per the insurance rep that I was directed to, the policy premium was refunded to Nicholas Financial in full. This is fraud! I
Product: Payday loan, title loan, personal loan, or advance loan

Have started noticing an account named Synovus which is not mine, I'd like to get it removed.
Product: Debt collection

I am writing to dispute the inaccurate reporting of a fraudulent account on my credit report, which is a clear failure to comply with the law. Upon contacting the respective banks, it was confirmed that an error occurred. Additionally, assurances were given over the phone that the account would be promptly removed. 
XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I filed bankruptcy in XXXX, all of my debts were discharged with that bankruptcy. I have not used my name, or ssn to obtain credit since that time. I've recently been exploring buying a home, and needed to check my credit to see what my current status was, and discover all of these charged off accounts, that were created after my bankruptcy. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XXXX XXXX Charge Off Amount {$18000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Original Creditor Name XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX  XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

americollect inc is a third party company reporting on my credit report this is break the law a third party company cant report on my credit report only the original creditor can Dear I am writing in response to your letter dated. ( copy enclosed ) because I do not belleve I owe what you say I owe. This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed : * ( 3 ) Provide a verification or copy of any judgement ( if applicable ); * ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act $ 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Product: Money transfer, virtual currency, or money service

have the files saved. they were sent via email i believe XX/XX/year> the date on the print out off the web site. called customer wervice to see if the XXXX was showing on that end. and there is no match to the account. one print out says different. My file was down loweed from the website and the other was from customer service data site and sent to me between customer service and the website there is a mistake...... now ... .lets fix this ... .lost a lot of trading time and money possibly ... how fair is that because of the companys neglagence ... ..and ifnoring the issue.
Product: Credit card or prepaid card

Re : XXXX XXXX XXXX XXXX Account Ending XXXX Last Four of SS : XXXX I opened my XXXX XXXX XXXX XXXX the first part of XXXX, XXXX and applied for this card specifically because of the rewards. 

**Earn 10,000 Membership Reward points after you use your new card to make {$1000.00} in purchases in your first 3 months** I made well over {$1000.00} in purchases in the first several weeks alone, and 20,973 points were finally posted to the account on XXXX XXXX, XXXX ( note that these took nearly two months to post ). When I tried to redeem the points for a gift card on XXXX XXXX, XXXX, a message popped up that said the account was under review. I have since spoken with numerous people at American Express and received different answers as to why, but the last person with whom I spoke advised that since I had returned a few items, the account was flagged. Furthermore, I was advised that every time I go into the account to try to use the points ( that still show as valid!! ), their system automatically resets a 6-8 week timeframe in which Im unable to use the points ( points that I have earned ). That would have been good information to post on the account! 

My purchases since opening this account in XXXX, XXXX have totaled {$6600.00} and I have paid {$5900.00} on this account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I used this credit card exclusively until about 1 week ago and will not be using it until this matter is resolved. 

I would like the hold on these points removed immediately and would like to redeem the points which I have earned.
Product: Credit reporting or other personal consumer reports

they continue after several disputes and being paid in full to destroy my credit leaving me homeless and automobiless for XXXX years showing XXXX XXXX day late payments right when covid happened
Product: Credit card or prepaid card

On XX/XX/2020, a Saturday, I agreed to a {$1.00} charge on my Visa account ( Chase Bank ) to purchase a report I needed for my genealogy work. Within seconds I received a text from Chase Fraud asking whether a charge for over {$18.00} was fraudulent or not. I answered Yes because I had agreed to {$1.00} not {$18.00}. In response to my " Yes '' I was informed that my account was now closed and a new credit card would be sent to me.

I did not authorize them to close my account and when I was asked by text whether the charge was fraudulent or not, they did not inform me that this is what they would do.

I expected that Chase would block that specific charge but leave my account open.

I immediately phoned the company ( Public Records ) and asked them to reverse the {$18.00} charge. They did and I have confirmation of that. 

I phoned Visa/Chase and also attempted numerous ways to contact them by internet to ask that my account be reinstated. The phone tree and computer systems led to the answer that I needed to contact them M - F because they were otherwise closed. I phoned again and waited for over two hours on hold and then their representative said they could not do anything about this. They said I would have to wait for the new card, there was no alternative. 

As you can imagine, it is hugely inconvenient to have to change credit card numbers. I was not asked whether I wanted this to happen and I was not informed that the account would be closed. It feels like fraud on the part of Visa/Chase to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX TRANSUNION, and XXXX  on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person XXXX, TRANSUNION, AND XXXX  had no written consent from me to furnish this account on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish this account on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, demand that XXXX, TRANSUNION, AND XXXX remove this account from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore they have 4 business days, and Congress states EVERY day is a business day, to remove this " XXXX '' account from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The account in question is attached to this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been furnishing information on my credit file and credit report without my consent. i have never sent or give any written instruction to Transunion consenting on reporting any information or data to my credit report and credit file. That is a violation pursuant to 15 U.S.C. 1681b Permissible purposes of consumer reports. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.