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

I recently obtained a copy of my credit report and noticed that it contained numerous inaccuracies, indicating I am a victim of identity theft. These companies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and privacy of consumer information. 

Under the FCRA, specifically XXXX ( 15 U.S.C. 1681i ), consumers have the right to dispute inaccurate information in their credit reports, and credit reporting agencies are required to investigate and correct any inaccuracies. Additionally, as per XXXX ( 15 U.S.C. 1681c-2 ), I am entitled to have fraudulent information resulting from identity theft blocked from my credit report. 

Furthermore, any communication by debt XXXX regarding these inaccuracies violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( c ) ( 15 U.S.C. 1692c ). According to this provision, if I notify a debt collector in writing that I refuse to pay a debt or wish for them to cease communication, they are required to stop, except under specific circumstances. 

In light of these regulations, I formally request the removal of all inaccurate and fraudulent information from my credit report. Please address this issue promptly to comply with federal laws and ensure my credit report accurately reflects my financial history. 
these companies are in violation of the FCRA XXXX. reporting to my consumer report is a form of communication XXXX. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except- ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. please remove this information off my report. 

these are the account stemming from identity theft : 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: Debt collection

I received medical care from XXXX XXXX XX/XX/2018. I filled out an application for Financial Assistance/XXXX XXXX within a week of services rendered. I was Uninsured, unemployed, receiving XXXX, single parent of a baby and transient at the time due to leaving an unsafe situation. XXXX made no attempt to reasonably contact me ( not even a phone call to help before selling it off ) of their determination and sold the debt ; reporting adverse information. Now I have a medical bill reporting on my credit from Merchants Credit Guide Company ( MCG ) since 2018 in the amount of {$7400.00} on behalf of XXXX. I requested a verification of debt from MCG. They sent me a copy of a bill they have on file which shows the bill was paid as a charity adjustment with a negative balance. They are continuing to report a bill that is paid. XXXX informed me they had no proof of anything and Im financially responsible. MCG will not update and remove their inaccurate reporting. Neither company has been helpful and the reporting on this matter has been harmful.
Product: Debt collection

I reported in XXXX of identity theft someone has been using my name to put apartments and other items in my name I reported in XXXX to the police department of fraud Ive never stayed at this apartment complex my only apartment is the 1 I have now I didnt inderstand what the debt collectors was saying I thought I was going to jail if I didnt pay off the debt not knowing whose debt it is its not right to charge someone something thats not theirs I would like for this debt to be deleted off my credit immediately {$3600.00} debt date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Continental Finance credit card XXXX to report a Fraud on my account. After reporting fraud and requesting a new card, I noticed on their website that they updated my balance to zero. 

They closed my account, deleted all credit statements from my online profile, and reported, without my knowledge, a high balance on my card to three credit bureaus. 

The negligent and incorrect reporting affected my credit score and damaged my credit reputation. This erroneous action and the confusing online portal harmed my credit. 

This message serves as a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) that your reporting to credit bureaus is disputed validation, before reporting you MUST validate charges. 

The law is clear regarding the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. 

I demand the immediate correction of the information posted in three credit bureaus.
Product: Credit reporting

Equifax is reporting that i was charged off or late on the following accounts : XXXX credit adjustment XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX bank XXXX accounts are all charge off. theses account were always paid on time and never late. Please have the credit bureau update theses account as paid in full/paid as agreed remove charge off status
Product: Credit card

I have a milestone credit card and there was fraud on the account. They said they were mailing me a new card but never mailed it but mailed me a letter saying I was late on a payment! 

I called once I received this letter and asked a manager what the issue is, I havent received a new card but received this letter. 

He informed me that the credit card company said they need a photo id mailed to them to reissue a card but I never received this letter requesting this! 

So my account is frozen with no ability to send any information since I never received a letter or card! But, I was able to call and give my information and he openly talked about my account, so explain that one to me! 

How is this possible in XXXX! These credit card companies are out here like its the wild wild west doing whatever they want!
Product: Credit reporting or other personal consumer reports

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlines I 15 U.S CODE 1666 ( B ) under the billing error category : ( 4 ) The creditors failure to accurately reflect a payment made by the obligator or a credit issued to the obligor on a statement.

( 5 ) A compilation error or similar accounting error made by the creditor on a statement It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to be render any ramifications of late payments regarding the linked accounts. Am in pursuit of concrete evidence from the creditors bank records that will support the assertion I failed to make a payment, resulting in an erroneous designation as late- a sign of an invoicing error- therefore. 
I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follow : paid as agreed. 
Also as you can see in the picture below there are multiple errors which is a violations all XXXX creditors has to report the same thing therefore my credit need to be updated YOU HAVE A LOT OF INCONSISTENCIES
Product: Debt collection

This company has been calling me making threats via robo calls. Company has threatened legal action. Debt does not belong to me. They claim to purchase debt from XXXX insurance. The vehicle does not belong to me. It belongs to another person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request a securtiy freeze/pin/block for Transunion, XXXX, XXXX, XXXX XXXX.
Product: Checking or savings account

the account closed on XX/XX/year>. I have called twice but each time Citibank claimed 5-7 business days mail. Till now it's nearly two months I still do not receive the remaining {$320.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX CAINE & WEINER ( XXXX  ) XXXX XXXX XXXX ; XXXX  ; XXXX ( XXXX  ) CAINE & WEINER COMPANY INC. ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Contact : XXXX or XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. As of XXXX. XXXX. XXXX  it is still displayed on all three of my credit report files. 
Attached you will see the discrepancies the items I dispute on the attached copy of the report I received.The information on CAINE & WEINER with a balance of {$490.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Debt collection

Resurgent ( aka LVNV XXXX has repeatedly and knowingly reported false info on my credit reports. They list the account as an OPEN acct, with a past due amount, they change the amount due, they state they are a factoring company and the account is a factoring company account. I NEVER opened any line of credit or anything with Resurgent ( aka LVNV ). I have NEVER signed any contract with them. They marked my account in dispute on my credit report, have never responded to my validation request, then updated my acct while in dispute as well as never sending me anything in writing. They have never properly investigated my disputes and have continued to report false information causing my credit scores to go down tremendously. Resurgent ( aka LVNV ) buys alleged debt AFTER it has been charged off, but tries to appear that they buy the debt BEFORE it is charged off. If they continue to break the FDCPA laws and the FCRA, I will have no choice but to hire a lawyer and sue. I will file a complaint with the FTC as well as I believe that Resurgent ( aka LVNV ) needs to be thoroughly investigated for their illegal practices. If Resurgent ( aka LVNV ) decides to sell this account or transfer it to another XXXX of their companies, I will sue for defamation, violations of FDCPA and FCRA, and anything my lawyer sees fit.
Product: Checking or savings account

I tried to open an account with US bank on XX/XX/20, US bank requested additional information which I provided. I did not hear from them for a while. I tried calling them several times, sending emails, leaving messages and no one ever got back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was reported 30 days late to the credit bureaus. The issue was that I never received the account statement. Previously my account payments were never late, I have maintained excellent payment and credit history. When I called to check my credit card, I found out that there was an outstanding balance, I went online to make the payment right away. This included the late fees imposed in the amounts of {$30.00} and {$15.00}, totaling {$45.00}. I paid the entire amount and called in to speak with customer service. They told me I don't owe anything, the account is paid in full but they can't help me correct the negative item on my credit reports with XXXX and other bureaus. I spent almost an hour, called three times and was told the same thing. I gave up and finally filed a dispute with XXXX about that negative item on my credit report. That has dropped 99 points from my credit score, which is hurting my credit history. This is not fair especially considering that I don't owe anything to the credit card company and had maintained an excellent record with them and other companies. They must inform the credit bureaus to delete the negative item right away.
Product: Mortgage

This my 5the complaint about Suntrust/ Truist Mortgage their billing, online, people, escalation team and payment process. I made a payment of {$1400.00} thru my bill payer services on XXXX XXXX and it was delivered on XX/XX/XXXX however I received my current statement showing that they only received a payment of {$470.00} as well as I got a letter from SunTrust/Truist today dated XXXX stating that they received funds in the amount of {$5.00} that are not sufficient to bring the loan current. Please see all the attached evidence. Suntrust/ Truist continues to violate UDAAP on my paper statements, their online and letters to you and I which I have brought to your attention on multiple occasion. They always respond that because of the my bankruptcy it does impact my credit bureau which IS NOT the issue. The issue is that they continue to send incorrect statements, amount received and balances. Is there anyone that can assist me bc Suntrust/Truist have not and I get the impression after all this time they will not.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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 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
Product: Credit reporting

I have gone through a bankruptcy chapter XXXX. I have XXXX houses that had debt discharged. Neither house went through foreclosure. Experian is reporting the bankruptcy as a foreclosure on the house loans which is NOT correct. I have asked them to change the coding to reflect a chapter XXXX, however they refuse to change it.
Product: Credit reporting

Credit collection company showing account for XXXX XXXX XXXX on my report and my wife 's report. We have contacted XXXX XXXX XXXX and no response so far. Need help in removing this collection of our credit report
Product: Debt collection

I was contacted by debt collectors by mail dated XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX for debt amount of {$5900.00} from XX/XX/XXXX. I don't know anything about this debt and there is nothing on my credit report related to this debt. 

Forster & Garbus LLP XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, N.Y.XXXX Sheriff of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting Agencies ( XXXX, XXXX, EXPERIAN ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All of this accounts I have not validated or given these companies WRITTEN OR ORAL Consent to report anything negative about ME. I am demanding you to block and remove this information and accounts within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.
Product: Credit card or prepaid card

I have a USAA Visa card .On XX/XX/XXXX XXXX arrived at my house and to treat my house for for termites. They asked for a credit card and i advised them i would pay by check because we have a hacking epidemic in America .I gave them the check for {$720.00}. They treated the house in a very unsatisfactory fashion. Several days later i called another local termite company and they showed up with a 5 ton truck loaded with chemicals under pressure vs. XXXX hand held squirt can. I now new soemthing was definitely wrong. I paid the 2nd contractor {$600.00}. 
On XX/XX/XXXX i checked my credit card and found that XXXX had charged my credit card that i had never given them. I immediately called my credit card company USAA Visa and reported the fraud. If you google complints about XXXX you will find many complaints. One day later i was called by XXXX supervisor in XXXX and asked for an additional {$900.00} dollars. Yesterday i receivedfor $ XXXXI have emailed XXXX XXXX XXXX XXXX., phone # XXXX XXXX XXXX XXXX - XXXX. The articles on=btained on the google search will demonstrate this is how XXXX does business. In the last quarter of XXXX they were successfully sued for {$6.00} million dollars. 
I filed a complaint with USAA and received a letter back ( XX/XX/XXXX ) that i had not provided enough information. During the process of filling the complaint out i was very thorough. Their computer system booted it back at me saying my info was too lengthy. 
I then wrote a letter to XXXX XXXX CEO of USAA. He never replied. I received a call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( you must say '' extension to connect with her ) on behalf of the CEO. She was advised i never gave XXXX the credit card. She then called me back twice only for me to repeat " I never gave XXXX my credit card ''. She then advised i would be billed any way despite XXXX awful reputation i referred her to via XXXX. By then i had spoken to my banker and was advised that The Practice in Credit Act limited my liability to {$50.00}. I spoke with XXXX and she insisted i would ne billed. Not only did USAA bill me but charged interest 2 days ago. I never received a written explanation of their findings. Their first letter stated i had not provided enough information BUT THEIR WON SYSTEM DENIED THE EXTENSIVE REPORTING I HAD SUBMITTED. 
USAA system is responsible for denying me. 
In conclusion, i am trapped between 2 Goliaths. I want the {$480.00} charge by USAA removed ( Dispute # XXXX ) and XXXX should be investigated for fraud.Fraud in Florida is upon a person ageXXXX or greater is a 3rd degree FELONY. Should you want my phone number email and i will provide it. At age XXXX this has caused me a great deal of stress. 
XXXX XXXX XXXX XXXX XXXX XXXX, Florida
Product: Debt collection

Constant calls stating I owe this debt and I did not apply for service.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. 
Account name : XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  XXXX # XXXX. 
You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX Balance : {$200000.00}
Product: Payday loan, title loan, personal loan, or advance loan

In regards to XXXX XXXX XXXX  and their CREDIT FRESH PRODUCT Applied for a loan, then I did not like their terms and I am not able to get a live person to cancel the process. I get incessant emails, calls, and text messages that will not stop. I have tried to get a live person to deactivate my profile and cancel their services, can not get a live person through the number provided on the website XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For refinancing, I went to the Lending Tree website ( www.lendingtree.com ). I was not asked to enter my SSN. However, based on my name, DOB, and phone number, they obtained my SSN and then passed it out to unknown number of lenders, ALL without my permission or authorization. I contacted them and they said that it is disclosed on the page asking for the phone number. I took a screenshot of each page and that is not so. They just said that our legal department has approved everything on our website.