23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice from Resurgent Capital Services collection agency about a supposed debt of {$570.00} owed to LVNV Funding Collection agency with an account number ending in XXXX. I want to dispute this amount because I don't owe {$570.00}. I have received two letters from Resurgent Capital Services dated XX/XX/XXXX, and I am including copies of these letters with my dispute. The letters show the original creditor ( XXXX  XXXX ) and my original past-due balance of {$360.00} as of XX/XX/XXXX. This proves that the correct original past-due balance is {$360.00}, not the incorrect past-due balance of {$570.00} that was mistakenly sent to my XXXX credit report.
Product: Debt collection

I was contacted by a Law Firm ( Lyons, Doughty and Veldhuis XXXX ) in regards to a debt owed to XXXX XXXX Bank. 
I immediately notified them that this was not my debt and that I would like verification. ( Proof of fax receipt enclosed ). They then sent me a copy of a XXXX XXXX Statement with a name XXXX which I am not and have never used. Included was a typed letter with a notary stamp ( not raised ) that named not XXXX. But me with my address. I can only assume this is a deceptive practice used by this firm. 
I sent them another response stating that this was not my debt. They filed court action and I would not sign for the registered letter because it was addressed to XXXX. Shortly thereafter I received registered mail with the XXXX removed ; I can only believe this to again try to deceive me into paying a bill not owed. 
I have contacted XXXX XXXX Bank at XXXX and after they asked my birth date and last XXXX I was told that it is not my debt. I asked for proof and they said they would not share that because it was not me they were collecting from. I told them about the suit being brought and the response was just tell them it is n't you. ( Conversation all on tape ) If I could find out that easily, I would expect a law firm to do the same. 
I was told by the superior court ( Docket No. ) that I have to pay court costs to respond to this phony lawsuit. 
I just received another letter in today 's mail ( XXXX ) telling me to pay the bill because I am being sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX  - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. 
XXXX XXXX XXXX XXXX : {$8000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Bank of America opened accounts fraudulently back in XXXX of XXXX  and closed my bank accounts due to a negative balance on an unknown account with them.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed that there are late payments from XXXX XXXX and XXXX XXXX reporting that were covered during the CARES act and pandemic. I called each creditor and made accommodations to ensure my credit would not be impacted from my hardship of being laid off. I've also requested verification from the CRAs ( Experian, XXXX, and XXXX ) XX/XX/2023 and XX/XX/2023 and have not received an update as to why my accounts are showing any late payments. Furnishing this information to my profile is in violation of 15 USC 1681 s-2 ( F ). The late should not be reporting. As agreed, the accounts have been paid, reporting any billing errors is now in violation of 15 USC 1666B. I was assured that my accounts would remain in current status due to the accommodation.
Product: Credit reporting

XXXX I am attaching this XXXX account they are not reporting this as a retail account and they are also not saying that this was closed by myself not by the credit granter which if effecting my credit
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the XXXX, XXXX and Equifax for multiple violations of my rights as a consumer under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Firstly, I would like to address the violation of my privacy rights under FERPA. The Department of Education/XXXX has unlawfully provided transaction history to third-party companies, which directly contradicts the provisions outlined in FERPA. Specifically, FERPA prohibits educational institutions from disclosing personally identifiable information, including transaction history, to third parties without the student 's explicit consent. By sharing my transaction history without my consent, the Department of Education/XXXX has infringed upon my privacy rights. Furthermore, the unauthorized reporting of transaction history, is in direct violation of FERPA regulations. Under FERPA, educational records, including payment history, are protected from disclosure to unauthorized parties. The Department of Education/XXXX XXXX  actions in reporting late payments without my consent constitute a flagrant disregard for FERPA regulations. Additionally, I am deeply concerned about the unauthorized collection of my Social Security Number ( SSN ) by XXXX, XXXX and Equifax. This action is a clear violation of both FERPA and the Privacy Act of 1974 ( 5 USC 522a ), which prohibit the collection of SSNs without proper authorization. Moreover, as a federally protected consumer under the FCRA, I hereby revoke any and all authorization granted to XXXX, whether written, unwritten, verbal, or non-verbal, in accordance with 15 USC 6802. I demand that XXXX cease all unauthorized collection and reporting of my personal information, including transaction history and SSN. In light of these egregious violations, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement actions against them. Additionally, I urge the Bureau to ensure that my rights as a consumer are protected and that corrective measures are implemented to prevent similar violations in the future. Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in rectifying these violations of my rights.
Product: Credit card or prepaid card

I had a {$2000.00} secured credit card with USAA since XX/XX/XXXXNo late payments & perfect payment record. In XX/XX/XXXXI was overwhelmed by debt & filed for bankruptcy. Unknown to me my USAA account was included in the Bankruptcy. Shortly after filing USAA sent me a letter stating that my account was now closed with them.
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I called them & asked what happens now. They told me that I owed them about {$700.00} and they would subtract that amount from the {$2000.00} credit on the account & send me a check for about {$1300.00}. I waited for this refund XXXX thru XXXX. On XX/XX/XXXX I called them & spoke to a rep named XXXX & I asked what the delay was in me getting my refund. I was told that the exact amount of my refund was {$1200.00} and I would receive it in 3-5 business days.
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That never happened & as of today XX/XX/XXXX it still has n't happened. I have made over 20 calls to USAA & spoke to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. No results. In desperation I paid {$28.00} on XX/XX/XXXX to overnight the CEO of USAA, XXXX XXXX pleading for my money. I spoke to XXXX, XXXX, XXXX, XXXX & XXXX XXXX all from his office. XXXX assured me the " check was in the mail '' onXX/XX/XXXX. As of this date XX/XX/XXXXit has not arrived, nor do I expect it to. What a disgraceful outfit.
Product: Credit reporting or other personal consumer reports

I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with CITI that was closed around XX/XX/2021. The card was a secured card with {$200.00} deposit that was charged to my bank account. After few months, CITI its reporting my account closed but delinquent, my account its not delinquent because i was using my own money as a deposit. I have called many times to CITI, and keep transferring my call around to other people. I can't resolve this issue with CITI.
Product: Debt collection

I am just finding out after 3 years that someone has incurred a bill and opened an account with XXXX back in XXXX XXXX, 2015. I DID NOT NOR HAVE NOT EVER HAD XXXX XXXX OR ANY PRODUCTS FROM XXXX! I am just being made aware of an account that was supposed to be had by me when i recently viewed my credit score on XXXX XXXX. It has had a negative and profound affect on my credit score and there is a derogatory remark on my credit report and I am currently disputing this claim against me and I further found out the name of the collection agency it was turned over to. I want this debt cancelled and erased form my credit profile because IT IS NOT MINE!!! Here it is two years later, only for me to find out that i have been a victim of fraud and an account has been opened with my name and I never had my id or license lost or stolen so how could this be? PLEASE I am asking for help in this matter and I never seen a bill came to my house or phone calls regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUREAUS are required to remove any items not later than XXXX XXXX XXXX after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9300.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Someone from a debt collection agency called and said they were XXXX XXXX. I closed and paid out my XXXX XXXX  account in XX/XX/XXXX. I did not owe anything nor was I ever going to be in collections due to this. I verified this several times. However I got a call this evening on XX/XX/XXXX from a debt collector claiming I owed them XXXX and he could speak to his supervisor to get this debt cut in half, I said yes in fear but knowing in my gut this could not be true. He then got back onto the phone in one minute and said I can cut this in half for you today and you will be clear of debt and I will not report this to any collection agency. This " debt collector '' knew all of my personal information so I almost believed them. When I asked then to send me an email to verify this, or what the payment would come up as on my card statement, and what the company name was he got very upset and said I need to pay this now or he will report me right away, my wife took the phone from me and said give me your debt company name and he hung up on her. He did not call back again. I contacted XXXX XXXX  later that evening and XXXX  this and it seems to be a common scam of XXXX XXXX  customers. This debt collector claimed I owed for cell phones and the rest of the bill. XXXX verified that we did not owe, our accounts were closed and this was not them. This " debt collector '' knew all of my personal information from when I was an XXXX customer. How did he have my number, email and know I was a previous XXXX customer. I am very concerned for my privacy and information right now.
Product: Debt collection

IQ Data is trying to collect on a bogus water bill from when I used to live at an apartment complex called XXXX XXXX in XX/XX/XXXX. They say I owe {$280.00}. The apartment had XXXX proof of this debt. My water bill was like $ XXXX {$30.00} dollars per month and I added it with the rent. I move out when lease ends and they want to charge crazy amounts for water. I got it removed from my credit report in XX/XX/XXXX and here it is over XXXX years later and IQ Data keeps calling me and using unprofessional techniques. I say it 's not even on my credit and was removed. They say do n't care and I need to pay. They say it 's only {$280.00} and do n't I work? Very rude and bullying, trying to collect on something that I already proved I do n't owe and was removed years ago. I feel like suing them at this point.
Product: Credit reporting or other personal consumer reports

I put in a change of address prior to moving. My mail carrier returned some of my mail in error ( ( I was told by XXXX ). In the meantime, I was in good standing with XXXX aka Iowa XXXX XXXX as an XXXX plan was in place good through XX/XX/2024. However, in their attempt to send me correspondence, they not only placed that I could not be found ( they still had my phone number and email address and did not use it to " find '' me ). From XX/XX/2024 and every month up until recently, they put a negative report on file stating I was behind and added an amount over XXXX per account ( XXXX accounts ) stating I was late. I called and spoke to their billing department and the woman stated that she did not say I was late just could not be found and the information could not be removed. This has caused my credit score to drop significantly and now has caused a problem with me obtaining gainful employment. I had a problem with their reporting in the past even though I kept in good standing with them they still falsely reported information about late payments and stated they are in their rights to do so. How can I ever pay them if I am consistently undermined by their tactics with my credit report to find gainful employment to be able to pay them off without enquiring more interest and fees? I graduated to better my life not to make things worse. Please help me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft there is an a account on my consumer report that does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX account was opened under my name on XX/XX/2021 in the amount of {$1000.00}. This account was not opened by me, it has been affecting the closing of my first home. I have been trying to contact the fraud department of XXXX multiple times and they always tell me that i will get a call back. Nothing has been done. This is a fraud account. They said that they would close this account which they never did and have been reporting late payments and this has been affecting my credit score greatly.
Product: Credit reporting, credit repair services, or other personal consumer reports

REGARDING EMBRACE HOME LOANS INQUIRY XX/XX/XXXX XXXX XXXX XXXX LOAN MGR I. HAVE BEEN TRYING TO GET A COPY OF THE CREDIT INQUIRIES OF THE INQUIRY SINCE XX/XX/XXXX AND IF WAS APPROVED OR DENIED BUT HE IS ACTING XXXX   IN HIS EMAIL BACK TO ME. STILL NO COPIES RECEIVED AS OF XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a collection letter from Augusta Collection Agency regarding an alleged debt. I asked the company to validate the account ( i.e showing my signature on any kind of contract between myself and them ) and they sent back a letter stating that " services were performed at XXXX XXXX XXXX-you can obtain your signature there. '' Ok, fine I contacted XXXX XXXX XXXX and was told that the account was no longer in house and they could not help me. I sent a follow up letter to Augusta Collection Agency letting them know that XXXX XXXX XXXX told me to contact them because they ( XXXX XXXX ) no longer owned the account, it was sold to them. It's been several weeks now and no response for Augusta Collection Agency. I did what they told me to do which was contact XXXX XXXX XXXX and in turn XXXX XXXX XXXX told me that Augusta COllection has.own the file now. All I want is for them to provide me with a contract with my wet signature of remove these accounts from my credit reports.
Product: Vehicle loan or lease

To whom it may concern at Gateway One Lending and Financing I am looking at my payment history and what I am seeing caused a red flag to go up. Why is my payment to principle and payment to interest fluctuating month to month? Each month my payment is this same, {$580.00}, but what goes to principle and what goes to interest jumps around. If this continues to happen it would take longer for my loan amount to be paid off. I have filed a complaint with the Consumer Financial Protection Bureau as well as cced the agency in on this email. I am eagerly awaiting your response in writing. <P/>Date Transaction Type Amount Principal Interest Fees Balance XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$430.00} {$150.00} {$0.00} {$32000.00} XXXX/XXXX/XXXX PHP_PAYMENTS {$590.00} {$390.00} {$180.00} {$9.00} {$32000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$450.00} {$120.00} {$0.00} {$32000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$400.00} {$170.00} {$0.00} {$33000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$390.00} {$190.00} {$0.00} {$33000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$420.00} {$150.00} {$0.00} {$34000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$420.00} {$150.00} {$0.00} {$34000.00} XXXX/XXXX/XXXX WEB PAYMENT {$580.00} {$340.00} {$230.00} {$0.00} {$35000.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

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

I checked over my credit file and I noticed some collection accounts that I am not aware of and I do not owe them any money when I try to contact them to get more information I cant even get all the proper documentation but they still try to collect debt from me so I have attached an FTC report to protect me during this manner & I asked that each collection account that i have listed in this be removed from my credit file immediately contact each creditor and bureau and have them remove these accounts now, this is very unacceptable and wrong for them to do FTC Report # XXXX XXXX ( XXXX ) XXXX {$320.00} XXXX XXXX {$15000.00} XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$1900.00} XXXX XXXX {$390.00} XXXX XXXX XXXX {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like to remove permanently my fraud alert and consumer statement, so creditor cam view my credit.
Product: Mortgage

I have incorrect information on my credit report. I had a mortgage account in  XXXX  which was foreclosed on in  XXXX  with a final payment made in  XXXX .     Ban k of america h as incorrect information listed. Date of last payment :  XXXX   XXXX   XXXX . This is impossible. Please provide proof of payment with this date.   Date account closed :  XXXX   XXXX   XXXX . This is also incorrect as the account was foreclosed and completely terminanted in  XXXX .     The retroactive date that needs to be used would be in  XXXX . This was when a final/last payment was made into this account. This would be the final date to use moving forward. This would be the date that the roll off of the credit should apply.     Otherwise, please provide proof of payment in  XXXX .