23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recieved a letter in the mail this week from First National Collection Bureau, informing me that there is a judgement collection on behalf of a current creditor of XXXX XXXX, with an Original Creditor of XXXX XXXX XXXX. The debt amount is for {$11000.00} and a judgement date of XX/XX/2007. This debt is not mine. I have never had an account with a XXXX company or palisades acquisition nor is this a judgement rendered against me. I believe the letter to be a scam or an error. Additionally, I recieved this letter at my NJ address ; my father with the same name lives in NY and he recieved an identical letter with the same creditor and dollar amount a week ago, leading me to believe this is a scam and the company may be sending repeated letters out to as many people as possible. This debt is not valid and not mine and this needs to stop.
Product: Debt collection

In XX/XX/year>, I signed a lease for an apartment but never moved in due to severe safety and habitability issues ( pest infestation, mold, exposed wiring, and more ). Within 24 hours, I submitted a formal lease termination letter and later provided detailed evidence to management and the debt collector. 

Despite this, ProCollect began attempting to collect rental debt I do not owe. I requested debt validation, including proof of the charges, lease, and occupancy, but received no response. This debt is inaccurately reflected on my credit and has severely impacted my ability to secure housing.
Product: Debt collection

Navy federal has been contacted due to unidentified account. Was asked to remove account immediately as it is detrimental to my credit.
Product: Debt collection

REFUSAL TO REMOVE INACCURATE FRADULENT ACCOUNT AS PER FCRA ON MY CREDIT REPORT. DEFAMATION OF REPUTATION VIA CREDIT. DESPITE NUMEROUS ATTEMPTS OF CONTACT, NO AVAIL. MIDLAND CREDIT MANAGEMENT HAS NOT RESPONDED TO DEBT VALIDATION REQUEST. THIS ACCOUNT WAS A RESULT OF IDENEITY THEFT AS I HAVE NO KNOWLEDGE OF ANY SUCH ACCOUNT AND IT IS BEING USED AGAINST ME. PREDATORY TACTICS, HARASSMENT.
Product: Credit reporting or other personal consumer reports

The following accounts were settled in full but continue to be reported inaccurately : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX
Product: Debt collection

On Thursday, XX/XX/2020, I got a call at XXXX XXXX  from a number I did not recognize ( XXXX ) XXXX. When I answered the phone a male on the other end told me he was calling in regards to an auto loan I had with Santander bank eight plus years ago ... he informed me he was calling to save me from being served with a summons to appear in court about he " thinks '' an XXXX  I had through Santander. I informed him that if he " thinks '' he's calling about an XXXX, then he's not someone I need to speak with. He proceeded to reiterate he'd be serving me with a summons to appear in court, and when I responded, " that's fine '', he responded, " you're an XXXX '' and hung up the phone.
Product: Credit reporting or other personal consumer reports

Hello XXXX, I noticed today that I have unauthorized accounts on my credit report. I became aware today that I was impacted by the Equifax Data Breach. I am in the process of needing another car and this is hindering me. I would like for the following accounts to be removed from my credit reports with XXXX, Equifax and XXXX. XXXX XXXX account XXXX ; XXXX XXXX XXXX account # XXXX ; XXXXS XXXX XXXX XXXX  XXXX # XXXX ; XXXX XXXX XXXX account XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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

This consumer reporting agency is in clear violation of the law. I obtained a copy of my Equifax Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XX/XX/24 ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). This agency is also in violation of 15USC1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) for allowing the following person ( s ) included in my notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) to obtain my Equifax Report without my written authorization and permissible purpose under the FCRA and its guidelines which is a direct result of IDENTITY THEFT pursuant to 18USC1028 ( A ). According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to a dispute I sent to Experian Credit Bureau on XX/XX/2018 requesting to verify, validate, and provide evidence that they had the right to report the debt of {$1900.00} to XXXX. 

Experian did not provide the verifiable proof as I requested within the 30 days. All they did was send me an update on XX/XX/2018 updating a small piece of information they already had to meet the 30-day requirement. I specificially requested evidence as I had a right to. I have yet to receive the proof that they had the right to report this debt. I am requesting your assistance in verifying that each credit bureau followed the process according to the FCRA. Based on the fact that the verifiable proof was not provided within the 30-day dispute period, I request the debt be deleted from my credit file as they did not meet the deadline to provide the information. 

Please see attached correspondence originally sent to the credit bureau, and their responses. 

Item : XXXX XXXX Original Creditor : XXXX Amount : {$1900.00}
Product: Bank account or service

I closed my account in person at the XXXX, NJ TD bank branch months ago. Then a month later I received a statement in the mail showing I had a negative balance for account # XXXX. I called and spoke with a representative and they assured me they fixed the error and I would not receive anymore such statements. Today I received another statement for this account showing a negative balance of XXXX dollars due to maintenance fees on an account that was supposed to be closed! I do n't know what else to do!
Product: Debt collection

To whom this may concern, Per my previous statement XXXX XXXX XXXX  swiftly resolved the fraudulent bank account. I did not feel obligated to complete a police report. I stated the fraudulent account forced me to look into my credit report. My complaint against your company is based on your failure notify me regarding this alleged debt and your failure to validate it. 

After my complaint with the CFPB. I received a letter from your company stating the current creditor and the original creditor is the same. This statement is misrepresentation. Per the paperwork you provided, the alleged debt is owed to progressive the company attempting to collect this debt is credit collection services. I requested original documentation that has my ink signature which proves this debt belongs to me, and proof that I entered an agreement with credit collection services. You failed to provide that. The documentation you provided is a copy of an email that states a balance is owed to progressive, not to credit collection services. Nor did you provide any original documents with my signature. Please provide original documentation that includes a signed agreement between me and Credit Collection services. 

It is unfair that your company has a negative item on my credit report and you continuously fail to validate it. If you are unable to provide this documentation please delete this inaccurate collection from all three credit bureaus
Product: Credit reporting or other personal consumer reports

On my Santander account on all 3 credit bureaus XXXX, XXXX, XXXX is reporting inaccurate late payment dates. Check XX/XX/year> they got me 30 days late in XXXX and 30 days late in XXXX and 30 days late in XXXX. Its impossible to be 30 days late each month instead it should have been XXXX  30 days, XXXX  60 days late and XX/XX/XXXX. Also XXXX XXXXXXXX and XXXX they have both 30 days late and XX/XX/XXXX and XX/XX/XXXX all inaccurate.
Product: Checking or savings account

It is XXXX XXXX 2018 and yes my funds have gone too low. I called this girl named XXXX XXXX who said call anytime and she could help. Well guess she lied because when I called she totally blew me off saying she could only help once. Seriously, you take all the money in overdraft fees does not make up for the small amount I accidently withdrawn. Please tell me why XXXX in fees is feasable for a small accidental withdraw. I hate citizens bank. The CEOs for this company have to be swimming in money. Sad that you guys can not help someone who is trying to catch up but they keep taking all of any extra funds I put in the bank. Is there anyone who would help? I have an attorney appointment to file bankruptcy. All I ask is for a few months to catch up. I will catch up if they would stop taking all my money in overdraft fees. This is very sad that Citizens Bank is responsible helping poor people stay above water. Hope the CEOs are proud of themselves. Like XXXX will break them. Sad sad sad!!! I 'm trying and you just keep pulling me down. Any federal agencies that can help? Please help me find a solution. I am trying!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company, TIAA bank, sold my mortgage to their sub servicer company, XXXX. I had no say in this. And this is the 4th time my mortgage has been sold. My credit was reduced by 15 points due to the mortgage showing as " closed '' on my credit report. A TIAA bank representative said this should not have happened and I have some sort of federal protection against this. I'm not sure how it's legal for me to be punished for a mortgage company selling my mortgage without my knowledge or consent. I've refuted this on XXXX  and XXXX  as those reflect the 15 point reduction. XXXX hasn't updated this yet.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$2100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone : ( XXXX ) XXXX Appointments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Property Tax : Account : XXXX Environmental Health Department ( Reported Noise/Trash/Employee Harassment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Phone XXXX XXXX See Copies XXXX XXXX XXXX on XX/XX/XXXX rental assistance {$750.00}. 
ERAP Support ( ERAP XXXX XXXX, Texas {$8600.00} ( + ) rental assistance. 
Good Morning, XXXX Welcome to XXXX XXXX 's Emergency Rental Assistance Program XXXX XXXX is committed to accessibility for all applicants. If you require this material in an alternate format or have questions about the program, please contact us at XXXX. 

ERAP Awards ID Name Program Year Approved Action XXXX XXXX Tenant Rental & Utility Assistance XXXX {$12000.00} Start a New Application Application Name Description Action Landlord Rental Assistance Select this option if you are a LANDLORD in XXXX XXXX applying for the Rent and Utility Assistance Program.

Landlord ________________________________________ Id Name/Address Status TenantDetails TenantDetails TenantDetails XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Landlord Non-Responsive/Opted Out Regarding the above property the rent was being paid by XXXX XXXX covid-19 funding, local charity , and myself. XXXX was misappropriating funds. On XX/XX/XXXX cc # XXXX for {$1200.00} was never applied to rent along with {$150.00} deposit, funding was being allocated to other charges and not rent. Thereby depleting the allocated funds specifically for rent by XXXX XXXX, property manager ( XXXX ) XXXX and XXXX XXXX, assistant manager. 
The property manager opted to pursue an illegal eviction on XX/XX/XXXX after she opted out of receiving county funds XX/XX/XXXX then filed an eviction for XX/XX/XXXX. The last date in the apartment XX/XX/XXXX. Verify via XXXX at XXXX also on my credit report. 
The manager of the property opted out of covid-19 funding and their attorney stated, the property did not want funding from XXXX XXXX anymore and sent the rent for XX/XX/XXXX back to the county to give the appearance the rent was not being paid but in reality rent was over paid. Please see all attached documentation correspondence.
Product: Checking or savings account

see above claim. 

To CFPB : you guys closed my claim without even trying to read it! 

my claim : need investigation documents from citi regarding unauthorized transactions which citi states is my legal right. yes we went court and it was settled. HOWEVER, i still need these documents for an open case with XXXX. 

citi 's response didnt make any sense, im requesting documents not claiming unfair treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX2021 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of an account reported on my consumer credit report ( XXXX XXXX account number XXXX ), as governed by the provisions of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. The purpose of this communication is to request an investigation into the matter and the immediate removal of the disputed information.

The account in question involves a " charge off '' that has been categorized as income by the Internal Revenue Service ( IRS ). It has come to my attention that income is not meant to be reported on a consumer credit report, as it does not comply with the FCRA 's guidelines regarding accurate and fair reporting. According to the FCRA, credit reporting agencies are required to ensure the maximum possible accuracy of consumer information, and any inaccurate or misleading information must be promptly corrected or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Status Collection account. {$120.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX {$670.00} XXXX updated XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt
Product: Debt collection

On  XX/XX/17    I contact ed Kohl 's Collection    department about an account opened in my name, in collections, that I had not authorized in the amount of {$750.00}. Most of this was late fees. It was discovered while I was in the process of trying to qualify for a mortgage. I was told I could not dispute this account & that they would leave it in my credit reports, damaging my chance of getting a mortgage unless I paid part of it. They also refused to adjust the fees & alow me to pay the balance to re-open the account. I made a settlement arranegment for the amount of {$280.00} & gave their rep my checking account number to withdraw the settlement amount, via Check by Phone scheduled for that date.This was due to the facr they claimed they could not use a debit card for this transaction. They gave me a confirmation number of  XXXX . The money was in my account & I watched & waited for it to clear.     When it did not, I called their collections department again on  XX/XX/17   . They said the payment did not go through. I checked with my bank & they say the Check by Phone was never requested. This rep said they could take a debit card, so I gave him the number for the one associated with the same checking account I provided previously. I was given a new confirmation number,  XXXX .     This time the money was withdrawn from my account, {$280.00} on  XX/XX/17   . Why they waited two days I do not know since it was sitting there the entire time.     I 've received  3  different letters fr om Kohls regarding this transaction, all coming about a week after the d ates posted on them. The first, dated  XX/XX/17    informs me  the  XXXX 17 tr ansaction did not go through. I got that in the mail on  XX/XX/17   . The next dated  XX/XX/17    states that my current balance is {$750.00} & my scheduled payment for  XX/XX/17    is {$280.00}. I got this  one  on  XX/XX/17   . The third is dated  XX/XX/17    & states my current balance is {$470.00} & my scheduled payment is {$280.00} due on  XX/XX/17   . I have as of today not recieved a  XXXX  balance letter stating this is settled.     I have call ed Kohls also  on  XX/XX/17    & asked about the    XXXX     balance letter & they keep telling me it 's on it 's way. They have refused to issue it digitally & continue to report this account as in collections. It has indeed damaged my ability to get approved for a mortgage, and I am quite unhappy with this since it was an account that was fraudulently started my my ex.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financil instutuion is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX XX/XX/XXXX po box XXXX XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance XXXX {$160.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$610.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX Balance : {$480.00} XXXX  XXXX Balance ; {$2800.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1200.00}
Product: Debt collection

I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. 

I contacted XXXX XXXX XXXX about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. 

They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and XXXX XXXX XXXX. If no contractual obligation exists between us then how could I legitimately owe them for any debt? XXXX XXXX claims to have purchased the debt from Synchrony Bank but my contract was between myself and Synchrony Bank, who I am in the process of entering into arbitration with. If XXXX XXXX XXXX continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. 

Please see XXXX XXXX XXXX info in identity theft report attached
Product: Student loan

I was unemployed for approximately 6 months without income in 2014, and during this period my studend loan interest was accruing, and I was not aware I could have this deferred. I have tried to retroactively defer the accrued interest, but he debt collectors say nothing can be done. 

Please advise. 

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

I have a credit card on my credit report with these 3 credit bureaus, they are reporting my XXXX XXXX XXXX  XXXX XXXX card account as negative when it is in a positive exceptional payment history status and is in good standing, I contacted the creditor which they admitted it was an error on thier part And corrected it, and applied the 6 payments to the 6 months that were missing because I paid my bill off early for the year, they also informed me they were going to send a letter stating my account was paid up and is in a positive status, which the credit bureaus investigated and closed the account still reporting it as negative, they need to change it to an exceptional payment history,. I have attached the letter sent to me from the credit card company for XXXXXXXX XXXX XXXXXXXX  stating my account has been paid on time and in good standing.