23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I noted an erroneous collection on my perfect score credit bureaus reports, contacted collection agency regarding error as well as provided reference number to show proof of payment which occurred over 8 months ago on XX/XX/XXXX. It's been over three weeks and no action has been taken and negative info sits on my Bureau reports. on XX/XX/XXXX. I contacted the original creditor ( XXXX ) who indicated to me that thaqt particular collection has a XXXX   balance and to contact the creditor for resolution. this is a circle as they told me to contact the original creditor despite having proof of payment on my credit card statement. 

What's sad is that I'm in the middle of a mortgage that was pulled when my scores where above 700 which was not only the qualifying amount but also a decent interest rate. 
now do to this collection, my scores dropped a minimal of 36 points across all three mortgage lending reports, ie 2,4,5, .Not only am I filing this report under unfair practices but also under financial harm to me as a result of credit scores drop. which will impact me on obtaining the mortgage or interest rate increase to me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting a complaint regarding XXXX XXXX and their continued inaccurate reporting of my account, which has negatively affected my credit report with XXXX, Experian, and XXXX. The inconsistent handling of this account by XXXX XXXX, combined with their ongoing computer errors, has led to considerable confusion and financial harm. I request your assistance in ensuring that this inaccurate information is removed from all three credit bureaus as soon as possible. 

Account Details : Issuer : XXXX XXXX Account Open Date : XX/XX/XXXX Reported Balance : {$670.00} Delinquency Reported : XX/XX/XXXX Charge-Off Date : XX/XX/XXXX Account Status : Closed Issue Summary : XXXX. Fraudulent Charges Dispute : In XX/XX/XXXX, I reported to XXXX XXXX that there were charges on this account that were not mine. XXXX XXXX initially investigated and removed these fraudulent charges from my account. 


XXXX. Reintroduction of Fraudulent Charges : However, in XX/XX/XXXX, XXXX XXXX informed me that due to a computer error, the previously removed charges were re-added to my account. This error reintroduced charges that had already been identified as fraudulent, leading to further financial impact on my account and credit. 


XXXX. Confusing Communication from XXXX XXXX : On XX/XX/XXXX, XXXX XXXX sent me a letter acknowledging a computer error and stated they would fix the issue with my account points. However, this response did not clarify or resolve the fraudulent charges issue. Subsequently, they stated that the computer error would not actually fix anything related to the charges or my account status, which has left me completely unclear on their intentions. 


4. Incorrect Reporting to Credit Bureaus : As a result of these errors, my account continues to be reported as delinquent as of XX/XX/XXXX, despite being closed and initially charged off on XX/XX/XXXX. This inaccurate information appears on my reports with XXXX, Experian, and XXXX, further damaging my credit profile. 



Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim and requesting validation. 

Resolution Requested : Immediate removal of the inaccurate information regarding this XXXX XXXX account from all three credit bureaus. 

XXXX that the balance of {$670.00} and any delinquency status related to this account be corrected to reflect the correct history and closure date of XX/XX/XXXX. 

Clarification and correction from XXXX XXXX regarding their computer error and reintroduction of fraudulent charges, as well as their acknowledgment of the errors they have made in handling my account. 


This issue has caused me significant financial and personal stress, and I am urgently seeking assistance to ensure that my credit report is accurate. I appreciate the CFPBs help in bringing this matter to a fair and swift resolution. 

Thank you for your attention to this complaint. 

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

I previously made the mistake of filing my complaint over the phone with a CFPB rep and apparently that was more than he could handle as the complaint he filed was completely unrelated to the actual issue at hand and now my credit report actually looks worse than it did prior to my previous complaint. The issue as reported by the CFPB agent was not accurate. My issue was never that my credit reports were not updated since 2018 regarding this account. 

My issue is that the account is not being correctly reported by the creditor. This account was not included in or XXXX in my bankruptcy. This account was paid in full, in good standing 2 months prior to my bankruptcy discharge, which they were not listed as a creditor in. They chose to close the account on their own authority due to the fact they were made aware of my bankruptcy and not because they were included in it. No debt was owed to this company at the time of my bankruptcy, nor was any debt discharged in my bankruptcy.

Now my credit report is worse off than it was previously was, as it previously reported " Discharged through Bankruptcy XXXX XXXX/Never Late '' to now just reporting " Discharged through Bankruptcy XXXX XXXX '' so my credit looks worse than it did previously.

Reporting debt as being XXXX in bankruptcy when it was not discharged in bankruptcy has to be violating some type of Fair Credit Reporting law and I will file a complaint with every legal entity I can until I get this resolved.

I have attached a full list of creditors included in my XXXX  XXXX XXXX bankruptcy filing as well as the list of added creditors when my bankruptcy was moved to XXXX  XXXX to show that TD Bank USA/Target was not included in the list of creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I initially saw an entry on my Credit Report and submitted a dispute to Experian. I later learned from Experian that the information would not be removed and that XXXX XXXX proved that the debt was valid including date and amount of debt. 

On XX/XX/2019 I contacted Experian at XXXX in regard to a collections account on my Credit Report that was reported to them by XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX in XX/XX/2019. I initially spoke with XXXX in the Dispute Department at Experian and requested that Experian provide me with the information that was supplied to them in order to support or substantiate the claim that XXXX XXXX XX/XX/XXXX, XXXX made in regard to a debt. It was then explained to me by XXXX that they did not have that information and they only request that the Enhanced Recovery confirm the information. 
XXXX also stated that because XX/XX/XXXXXX/XX/XXXXis a subscriber they sign an agreement or contract that says they will be honest when a dispute request is made and added that it was more complicated than that but that's how it works. I then asked to speak with a supervisor and spoke with XXXX who states that XXXX was not accurate that they do have privilege to the information, just not in the Dispute Department and that there is no contact with that department or information that Experian received that can be provided to me it had to be obtained via the Federal Trade Commission.
Product: Debt collection

I Purchased a car XXXX/XXXX/XXXX for {$15000.00} under a not " as is '' sale from XXXX XXXX XXXX After XXXX/XXXX/XXXX notice the car had issue windows, radio and other electrical issues not working properly, so I contacted the company I purchased the car from. The store I originally purchased the car was no longer in business so I was informed to go to another store. I went to the new location and met XXXX XXXX the GM, he offered me to trade the car but add the old car balance to the new car balance. I did not agree with it that solution.I tried to trade it in at another location on my own. The salesmen did a car report on the car, only to find the car was in 4 accidents, the battery had previously exploded in this car before I purchased it. So I continued to try numerous times to contact the company for help. This went on for a year or so and eventually the car caught a fire and finally the engine blew.I have been renting cars since XXXX and paying the car note to keep my family a float. I contacted the XXXX and they contacted XXXX XXXX only for them to lie again and try to get away.
Product: Debt collection

The FedLoan Servicing within my credit monitoring service is showing 50 missed payments. However, my account was in forbearance while I was in school and having a new baby.
Product: Credit card or prepaid card

ACCOUNT # XXXX & XXXX So, SEE ATTACHED MESS UP LETTER SENT US DATED XX/XX/XXXX ACCOUNT ENDING in XXXX that we do not have or have had. We have written letters on XX/XX/XXXX, XXXX, XXXX all of these regarding a fraud email we reported on email for card # XXXX XX/XX/XXXX XXXX  XXXX  XXXX  {$79.00} and then we received email dated XX/XX/XXXX that a new card for account # XXXX was on the way and then again, another email for new card stating it is on the way XX/XX/XXXX for account # XXXX. To date nothing has arrived for a new card. 
However, we did get a letter dated XXXX XXXX for account XXXX closed we dont have. So, these recent issues have all been caused apparently by your company and nothing has been addressed on original issue this time. We have communicated on accounts we do have. We have not had any communication from Capital One on all the letters sent above and apparently you are trying to reach someone else on there account since this is not our account. 
We would like the original issues addressed ( which have never been ) as stated in our most recent letter dated XX/XX/XXXX in writing ONLY ( so that we have records ) since you have obviously, can not apply payments correctly or fix the issue of the fraud emails we reported either since now you have another account for us that we do no have. We are very limited on our time as we work full time, we help out on XXXX farms that we have over XXXX cattle to care for as well as all the chores associated with this at this time year. 
So, your immediate correction to our account and reading our requests would be most helpful. We only have this one credit card we have stated previously in writing what we expect. This issue was caused by a scammer that we tried to report and your mishandling of this issue as well as obviously posting on our account. As you can see, we are the ones that sent the issues in first place so obviously you are confused on accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to dispute negative items on my credit report these items are not mines and have not been given reason why they are on my report I have done some reading and seen it a item can not be verified within thirty days it has to be remove it has been more then thirty days and I have not received any thing from the bureaus this is very frustrating because I am trying purchase a house
Product: Credit reporting, credit repair services, or other personal consumer reports

i received as part of and lawsuit settlement from transunion an credit monitoring product called my true identity this product was to continue for 3 years and give me full access to all functions of the website. 

http : //www.XXXX/ The class action settlement was approved on XX/XX/XXXX, by the federal court in XXXX XXXX. Letters were mailed to all class members on XX/XX/XXXX, containing information about credit monitoring services. 
UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF CALIFORNIA Background Infomation XXXX XXXX XXXX and XXXX XXXX XXXX ( the Class Representatives ) both filed class action lawsuits against TransUnion relating to the erroneous display, on certain credit file disclosures obtained online in XXXX, of information about the Office of Foreign Assets Control ( OFAC ). The lawsuits were filed under the Fair Credit Reporting Act ( FCRA ). 

The XXXX XXXX and TransUnion have reached a settlement of the lawsuits. The settlement provides that TransUnion will write a letter of apology to each class member, explaining that the OFAC information was included in the online disclosure due to a programming error, but was not transmitted to any third parties such as lenders. TransUnion corrected the programming error in XXXX, soon after it occurred. Further, TransUnion will offer each member a free, three-year Credit Monitoring Subscription, which includes daily access to TransUnion credit reports and daily access to a credit score. 

upon establishing this account i can not use the dispute process and have been transferred to many..many transunion representatives to no success in using the website or transunion contacts even including the special handling and attorney representatives as well. 

i believe i am being discriminated against because the of the lawsuit settlement. 

this has been the same ongoing practice since XXXX XXXX. 

i have filed complaint after complaint and still no resolve.
Product: Money transfer, virtual currency, or money service

I met a gentleman on a dating app called XXXX in XXXX of XXXX  and after a few weeks of talking, he referred me to a financial investment app called XXXX. He said I could make good money with short term investing. The company that was utilized within this app was called XXXX XXXX. Their web address is : www.micmarkfx.com and they have an email address of XXXX. I have emailed them several times with no response. I regret to inform you that I fell victim to an incredibly sophisticated investment fraud scheme where crooks systematically disguised themselves as a legitimate and trustworthy entity, in order to illicitly exploit the vulnerabilities of unsuspecting, investors and con them out of their money. This took place between XX/XX/year> and XX/XX/year> via wire transfers which then purchased cryptocurrency in the amount of {$27000.00}. ( I have attached a screenshot that shows dates and amounts of the wire transfers as well as the wallet addresses where the funds were sent to. I have alerted Chase Bank and XXXX as well of this fraudulent investment scam and both companies are refusing to refund all or even part of my funds. XXXX was fully aware that these wallet addresses were scam wallets as soon as I alerted them of this fraud and told them the FBI had contacted me. The FBI contacted me directly regarding this investment fraud scam via email went phone and alerted me of the scheme. An XXXX report has already been filed with the FBI. I was deceived into transferring my funds for investment returns that were never delivered. The way the fraudsters had their scheme rigged ; I am certain that I will never receive any monetary value for these investments thus causing me significant economic damage. Please press on crypto.com to refund my money as they knew these were scammers wallets as soon as I let them know the FBI had contacted me. 
I have attached a copy of the wire transaction amounts along with dates as well as the wallet addresses the funds were sent to.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT is a debt buyer and needs written permission from me to report anything to me without first verifying the validity of a debt. If this persists it will fall under a violation of 18 usc 242 deprivation of rights under color of law : WHOEVER ( Midland Credit Management falls under this definition ), under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States, or to different punishments, pains, or penalties, on account of such person being an alien, or by reason of his color, or race, than are prescribed for the punishment of citizens, shall be fined under this title or imprisoned not more than one year, or both ; and if bodily injury results from the acts committed in violation of this section or if such acts include the use, attempted use, or threatened use of a dangerous weapon. I consider reporting to my consumer report as a dangerous weapon that is causing me mental and physical harm which could lead to my death. If this happens you will be liable as this complaint will be on the record. and if death results from the acts committed in violation of this section shall be fined under this title, or imprisoned for any term of years or for life, or both, or may be sentenced to death.
Product: Credit reporting or other personal consumer reports

My loan went from XXXX to XXXX ( {$57000.00} for undergraduates ) maximum Student loans Total balance : {$59000.00} XXXX XXXX XXXX  Balance {$4000.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$6100.00} Balance updated XX/XX/2024 XXXX XXXX XXXX/XXXX  Balance {$5100.00} Balance updated XX/XX/2024 XXXX XXXX XXXX  Balance {$7000.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$1500.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$5100.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$7400.00} Balance updated XX/XX/2024 XXXX XXXX XXXX XXXX  {$3800.00} Balance updated XX/XX/202XXXX XXXX XXXX XXXX Balance {$5500.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$1500.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$1000.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$140.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$830.00} Balance updated XX/XX/2024 XXXX XXXX XXXX Balance {$3900.00} Balance updated XX/XX/202XXXX XXXX XXXX XXXX Balance {$5900.00} Balance updated XX/XX/2024 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies : ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person this creditor has violated my rights under 15USC 1681 Section 6o2 states I have the rights to privacy.15USC 1681 it also states a consumer report agency can't furnish an account without my written instruction
Product: Checking or savings account

In response to the FACT that CHASE IS ILLEGALLY HOLDING MY SALARY/DIRECT DEPOSIT AND LIYING TO ME THAT CHASE DOES NOT HAVE ANY IDEA WHERE IS MY SALARY OF {$2900.00}, SENT DIRECTLY BY XXXX XXXX XXXX I copy the link where it is SEEN THAT CHASE IS INVOLVED IN " Multiple chase users from all over the nation have yet to receive their direct deposit from chase bank XXXX They have called their employers but they confirmed the direct deposit payment went through. Chase is holding up people 's direct deposit for some unknown reason '' ( since 2020! ) See the link with customer 's complaints. https : XXXX. I AM NOT ALONE TO BE ROBBED BY CHASE AS MY DIRECT DEPOSIT/SALARY IS MISSING AND STOLLEN BY CHASE. MORE SO, I BELIEVE CHASE IS REVENGEFUL/DISCRIMINATORY FOR CUSTOMERS WHO HAS FILED PREVIOUSLY A CONSUMER FINANCIAL PROTECTION BUREAU AGAINST CHASE. I DID FILE A CFPB COMPLAINT AGAINST CHASE BEFORE, AND NOW CHASE IS WITHHOLDING MY SALARY/DIRECT DEPOSIT. CHASE IS RETALIATING AGAINST MYSELF. 
Chase is continuing the unlawful practices and making money ON THE BACK OF MILLIONS OF HARD WORKING AMERICANS.
Product: Debt collection

I am filing a formal complaint against Zwicker & Associates, XXXX, and all active collection agencies attempting to collect on fraudulent, disputed, or unverified debts in violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ), Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and other consumer protection laws. These entities have engaged in : Unlawful collection attempts on unverified debts Failure to provide proper debt validation upon request Attempting to collect on debts past the statute of limitations Harassing and misleading communication tactics Unlawful credit reporting of invalid debts These actions have caused significant financial harm, XXXX  XXXX, and damage to my creditworthiness. 

XXXX. Violation of Debt Validation Requirements ( 15 U.S.C. 1692g ) Zwicker & Associates and XXXX have continued collection attempts despite my formal dispute and requests for proper validation. 
Under 15 U.S.C. 1692g, a debt collector must provide full validation upon request, including original contracts, itemized statements, and proof of ownership of the debt. 
These agencies failed to produce this required documentation, yet continued collection efforts unlawfully. 
XXXX. Misrepresentation & False Collection Practices ( 15 U.S.C. 1692e ) These agencies have engaged in deceptive and misleading representations regarding the alleged debts. 
15 U.S.C. 1692e ( XXXX ) prohibits false representation of the legal status of a debt, including claiming a debt is owed when it is not. 
XXXX & XXXX have failed to provide legally required validation, making their collection attempts fraudulent and unlawful. 
XXXX. Unfair Collection Practices & Unlawful Credit Reporting ( 15 U.S.C. 1692f ) Under 15 U.S.C. 1692f, a debt collector may not use unfair or unconscionable means to collect a debt.

These agencies have reported unverified debts to credit bureaus in direct violation of FCRA ( 15 U.S.C. 1681s-2 ).

They have also failed to properly investigate disputes, violating 15 U.S.C. 1681i ( a ).

XXXX. Collection of Time-Barred Debt ( Statute of Limitations Violation ) Some of the debts they are attempting to collect are beyond the statute of limitations for collection and legal enforcement.

Attempting to collect on time-barred debts violates FDCPA, as it misleads consumers into believing they are still legally obligated to pay. 
XXXX. Unlawful Communication Practices & Harassment ( 15 U.S.C. 1692c, 1692d ) These agencies have engaged in harassing, threatening, and excessive communication tactics, violating 15 U.S.C. 1692d.

They have continued to contact me despite my demand for all communication to be in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to update the following inaccurate items that are hurting my credit : 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 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 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