23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is the third bill/credit collection I have received related to XXXX XXXX. On XX/XX/21 I received a letter from Synergetic Communication Inc attempting to collect a debt for XXXX XXXX in the amount of {$480.00} ( see attachments ). This account is not mine and is related to someone who either stole my information or a hospital mis-keyed his information. You have identified and resolved this twice before. I have sent an email to XXXX and I will be faxing them today as well.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Failure to Remove Inaccurate Account Information in Violation of 15 U.S. Code 1681i ( 5 ) Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against Experian for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : -- - Account Name : -- - XXXX XXXX  Account Number : -- - XXXX Date of Charge Off : -- - XX/XX/year> Amount : -- - {$770.00} I previously submitted a disputed to Experian regarding the inaccuracies in the above reference account. Despite providing evidence supporting the inaccuracies and requesting its removal my credit report, Experian failed to conduct a thorough investigation, and the disputed account remains on my credit report. 

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 


I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Experian upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.
Product: Debt collection

On XX/XX/2020, I received out of nowhere 2 collection letters from Resurgent Capital Services/LVNV Funding LLC for {$3300.00} and {$4600.00} respectively. On XX/XX/2020 I certified mailed this company Debt Validation request letters with return receipts so i would have proper records that the company received the requests. On XX/XX/XXXX, and XXXX 2020 i received the signed return receipts stating that the request letters had been received. On XX/XX/2020 I received a phone call from the company in regards to these 2 collection accounts in which at that time I advised the representative that i wished to only be contacted via mail and made her aware of the validation requests. As of this date XX/XX/2020 I have not received any validation information from this company and furthermore have received not communication via mail as requested. Today XX/XX/2020 I received notification from my credit monitoring service the these to collections have been placed on my credit reports as negative items. I am deeply upset as to why this company would do this as I requested Validation and the have never validated the debt. I also believe this is a violation on my consumer rights.
Product: Credit card or prepaid card

We had a sychrony store card ( Mattress Firm ) since XXXX, never missed a payment, never late on a payment. They reported XX/XX/XXXX late payment even though the due date has not even arrived yet and then they closed my account. Them closing my account dropped my score XXXX points.
Product: Debt collection

I received a collection notice from a collection agency on XX/XX/18 from Louisiana Recovery Services Inc. stating that I owed a bill for {$75.00} originally from XXXX XXXX XXXX  XXXX. I immediately called the original creditor to inform them that I never received any bills from them stating that I owed a balance and also stated that I paid what was owed at each visit. I was told them that I only received the collection notice from collection agency. All of my information was verified and it was all correct. They then proceeded to tell me that they sent me 4 bills on XXXX & XX/XX/18 and that they were ignored.I again told them that I had never received any bills from them and I asked them to email me the bills that they so called mailed to me.I received the bills and immediately had questions other than not understanding why I had not received any of the bills in the mail nor received any phone calls from them.I called them back to reiterate that I didn't receive any of them and also asked why the 1st bill that they supposedly sent out showed a balance forward of {$120.00} and it also shows a 90 day delinquency as if they had sent out prior bills 3mos ago.She couldn't explain it and told me that the lady that worked there at the time no longer worked there and that I should ignore the questions that I was raising because the billing specifics are sometimes inaccurate.I was told that it was owed and that was it.I have impeccable credit and would have paid it had it been sent.They expect to tell me and make me believe that I received bills that I know I did not receive, that I should ignore the questions that I have about the bills and just pay it.
Product: Student loan

Since XX/XX/2021, I applied Aid Financial.gov ( Fasfa ) for student loan and even paid {$5700.00}, so I had {$900.00} left. But it bothers me a lot to pay the rest of the money so I have the letter from President Joe Biden and Vice President XXXX XXXX who wrote me not to pay anymore until the new court decision. And it's been 4 days since President Joe Biden canceled academic debt, but why did I get the letter again from this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Tx XXXX, with their phone ( XXXX ) XXXX keep writing me to tell me that they will send me to the collection?
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 I have a right to my consumers report one time per year and I have made several attempts through the website and by calling this company to obtain my consumer report. Every time I call I am told that they are unable complete my request and to mail my request. 
Per the consumer financial protection Bureau I am allowed one free credit report a year and if I have to go and buy a stamp and envelope that no longer makes it free and I am on a fixed income. I should not have to obtain these items to get my credit report consumer report which I am lawfully entitled to. 
By hindering me to these documents this company is making it difficult for me to verify my information while I'm trying to repair my credit and buy a home so it is viable that this information is available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed unauthorized inquiries on my credit report. Been trying to get them removed.. XXXX says that they deleted them but they are still showing on my report.
Product: Debt collection

Date account was opened- XXXX / Date debt was reported XXXX Date account was closed XXXX amount due : {$2000.00}. 
Barclays bank has reported this information on my credit report as an unpaid balance but I am only listed as an authorized user- when calling and asking to be removed they informed me that they only was to be removed to write a letter and mail it to them.
Product: Vehicle loan or lease

I entered into a contract with ALLY FINANCIAL XX/XX/XXXX. XX/XX/XXXX I requested original contract document copies from Ally via phone representative. I was told I would recieve documents within 10 days. I also went onlie to my account on their website and requested the same document. The website give you nothing evenn close to original contract documents as signed with dealer. As of XX/XX/XXXX, I still had not recieved any documents and for a third time requested a copy of original documents of contract complete with all charges and finince charges. As of todays date XXXX XXXX, XXXX Ally Financial has made no attempts to honor my request and is knowingly and willingly refusing to provide me with copies of original contract. They have been given the most up to date accurate information as far as address and phone number and are still trying to pull t tactics like purposefully leaving off the suite number for mailing purposes.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are reporting incorrect information on the account listed as XXXX there are several inconsistencies which means this account has not been properly validated because its impossible to report 3 different ways. 

High Balance : {$1500.00} {$1500.00} {$1000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Home Electronics Sales and Service Miscellaneous Finance Sales Financing Creditor Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I got a loan from Santander USA for XXXX XXXX for the amount of XXXX and my monthly payments was XXXX a month in XXXX Santander repossessed the car I wrote them numerous of letters that was certified its reporting on my credit that I still owe XXXX if the car was repossessed and the car was probably auction or sold or lease to someone else theres no way that I owe for XXXX if the car was repossessed XXXX years after I got it. Also I got something in the mail from a attorney saying that I will be getting a check because Santander was charging their customers too much money on their cars
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed below are two collection accounts that are being reported on my credit record and neither belong to me. The XXXX account was the result of identity fraud and I provided details in the form of a police report and it was removed previously however it now reappears on my record. I have never been a customer of either company. 

XXXX XXXX XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 
Account Name XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
First Reported XX/XX/XXXX Original Creditor XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX First Reported XX/XX/XXXX {$880.00} AFNI, INC. 
The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. First Reported XX/XX/XXXX Original Creditor XXXX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX XXXX XXXX, Ally financial auto, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX & XX/XX/2023 I was told it has been a mistake on pulling my credit and I do not have any accounts with them at this time. I asked if they can remove my inquiries as well do me being unaware of these companies pullings my credit without my permission.
Product: Debt collection

On XX/XX/XXXX ( about XXXX XXXX ), " a white bald male walked up to the front door shouting out XXXX, XXXX ... without knocking '' per the owner of the house. The owner of the house heard voices and walked towards the door. As the owner approached the door to look at the peephole, the white male reaches in to knock loudly. The white male asked for XXXX, the owner of the house told him that I don't live there ( although I have permission to use the address to receive mail ). The owner of the house then asked what this is about, the white male introduced himself as a debt collector for XXXX and he trying to collect {$600.00} debt supposedly by XXXX. The owner asked the mail to be left at the front door but he refused to leave the mail due to the fact that I do not live there. I am homeless, I asked others to use their addresses to get employed. Luckily I was able to get employed a warehouse averaging 28 hours a week at minimum wage ( a seasonal job that I was hired on XX/XX/XXXX ). The debt collector has caused a scare to the owner of the house, I was phoned by the owner of the house to make aware of what was going on and he then requested that I stopped using his address. The debt collector has volunteered my personal to the owner of the house to cause more hardship to my life and his approach was very unprofessional and scary. The collector scared the owner of the house with his very very unprofessional approach. Im not even sure who it was. Please help
Product: Debt collection

Phoenix Financial Services LLC attempted to collect a debt from me that is not mine. This was noticed when a negative account popped up on my credit report monitoring. I immediately called Phoenix Financial Services LLC to find out what this could be as I do not have a balance of XXXX owed to anyone. It quickly became apparent that this is not my debt, and this is another person with a very similar name. it is assumed it was identity theft but now I think it could be t certain it could be a mistake made by the debt collection agency. They will not provide the documentation I need to file a police report. This has been going on for 3 weeks. It has hit my credit report with a significant decrease in my credit score. This mistake /issue is impacting me personally and I can not get them to cooperate so I can file the police report. They have not been helpful at all. I need this resolved and need this off of my credit. It is not my debt and they are very rude to me. I feel like I can not get anywhere with them. 
I am a responsible consumer and I pay my debt, as can be noted by my credit history.
Product: Payday loan, title loan, or personal loan

I called the lender the XXXX week of XXXX XXXX as directed by the loan documents to inform them that I wanted to stop all ACH & check/debit card withdrawals from my bank account. They informed me that they would honor my request. I also asked my bank to block all transactions form the lender. Over the weekend of XXXX/XXXX/XXXX there were 3 withdrawals from CashTime posted to my account. 

This is in direct violation of my request. It 's possible that they changed some identifying information so that it was not recognized by my bank, but it is still in violation. 

the total amount they debited my account is the money needed to make my vehicle payment and seems to be unfair tactics.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding identity theft, resulting in unauthorized accounts, inquiries, and addresses on my credit report. Despite my efforts, XXXX, XXXX, and Experian have failed to address these inaccuracies. 

Fraudulent accounts include XXXX XXXX  ( {$670.00} ), XXXX XXXX XXXX XXXX  ( {$790.00} ), XXXX XXXX XXXX XXXX ( {$3100.00} ), XXXX XXXX XXXX  ( {$700.00} ), XXXX XXXX ( {$3500.00} ), and XXXX XXXX ( {$1200.00} ). Fraudulent addresses : XXXX XXXX XXXX, XXXX, CO XXXX ; XXXX XXXX  XXXX XXXX, XXXX XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX, XXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. 

Fraudulent 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 These actions violate FCRA, FDCPA, 15 USC 1666b, and Colorado state laws. Please ensure these agencies correct my credit report.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681a, this is my statement that accuracy and fairness of credit reporting was not established and therefore is a result of identity theft and must be removed. The listed current address is not related to me the consumer. According to 15 U.S. Code 1681b, consumer reporting agencies are required to adopt reasonable procedures for meeting needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer.
Product: Mortgage

Chase Mortgage continues to apply additional principle payments to future loan payments. This illegally adds interest on principle that should have been paid off.
Product: Debt collection

This XXXX XXXX account XXXX of {$380.00} was opened on XXXX 2019. The problem was that I was out of the country working for XXXX XXXX and this account was opened by XXXX XXXX. He used my name to open up this account and this debt is his not mine. This is impacting my credit score and need this debt to remove off my credit report on the basis that identity theft was committed.
Product: Credit reporting or other personal consumer reports

I filed a complaint with CFPB to Equifax and yes Equifax looked into the problem and stated the accounts I'm disputing aren't on my credit file. I contacted the office of the consumer affairs and they said yes the account are there and clearly the complaint department who handles the complaints for the CFPB did see it or over looked it. I need these accounts off my credit file asap because they are fraud and I have attached police doc and FTC doc. It seems like Equifax doesn't care and give the banks the rights not the consumer. I need help.
Product: Credit card or prepaid card

I Got a fraud call from XXXX XXXX - XXXX XXXX XXXX at XX/XX/XXXX @ XXXX XXXX EST, asking for my VISA or XXXX or DISCOVER Card numbers to decrease credit limits. 
I said you are a fraud, and i am not giving any details - ( I worked for VISA so i recognized it as a fraud call ). 
Then i was shocked, when he gave my Discover Card Balance and  other details. 
Then he said he is going to closing my account. 
I said this is not possible. 
Then he said he have complete details of Discover card to close them. 
Then i disconnected the call to contact Discover. 
Meanwhile i receive a call from another number XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, same person laughing and told my Discover Card account is closed. 
I was Shocked and immediately contacted discover support @ XXXX XXXX EST over Chat, and later @ XXXX XXXX over phone ), to report this fraud. 
To my surprise Discover Card Support said my account is closed few minutes back, and i said i haven't requested for it, and explained them what happened earlier. 
XXXX from Discover Card support said " we understand your concerns but they can not do anything as the request came from my phone number ''. 
I said this is a fraud call, and i want to escalate this, and fix this issue ASAP. 
XXXX from Discover Card said they can not do anything, and said he will send this details to accounts department. 
I asked for a ticket number, XXXX said he don't have Ticket number, but said this conversation was started on a Memo line XXXX.
Product: Debt collection

Capital accounts claims they have a debt that belongs to me. I have asked repeatedly for written proof be sent to me with my original signature. They have refused to date.
Product: Credit reporting or other personal consumer reports

Could you please provide detailed guidance and assistance on the process of removing late payments from my credit report? This issue is significantly impacting my credit score, and I would like to understand the steps I need to take to address and rectify these negative marks. Your help in navigating this process would be greatly appreciate.
Product: Credit reporting or other personal consumer reports

Wednesday, XX/XX/XXXX I did dispute this account and mail a letter of validating questions to be answered ( after speaking on the phone with a representative from the company I let them know I would correspond via letter ) in which I did not receive a reply but a removal of this from my credit reporting, This XX/XX/XXXX I received a notice it is since back on my credit profile as an open account, with the same account number and no validation still. I did attach the information that was requested that I received no reply to to this day.
Product: Credit reporting

I traded in my vehicle on XXXX/XXXX/2015 and just checked my credit report and it stated my payment was 30-60 days late and I do n't even own this vehicle anymore and have n't for over a month yet they reported to the credit bureaus that my account is delinquent. I called XXXX XXXX and they said they are looking into it and would call the dealership where I got my vehicle but that does n't help me.
Product: Checking or savings account

Between XXXX I had an account with Wells Fargo and was impacted by their severe over draft fees and procedures.
Product: Credit card or prepaid card

Discover Credit Card A new card was opened {$4500.00} XXXX I contacted to provide legal and personal information to open said card. The card was opened however I was no longer going to activate it once received. 
I had to unfreeze my credit report to open this card - I keep my account locked to prevent fraud. 

I subsequently requested a replacement card for the current card I already had - {$15000.00} limit. 

I received a notification on XX/XX/XXXX stating the newest account was closed. I understood and took no further action. 

I activated my replacement card the same day as my newest account was closed. 

No other communication was received from XX/XX/XXXX to XXXX in relation to my already open account of 3 years. 
on XXXX I received a notification that I needed to activate an 5 % cashback offer on my account. 
Hours later on the same day I received notification that my account had been closed. 
When I contacted the company they said they had no notes other than a business decision. 
I advised them of the XXXX credit card act that requires 45 day notice of major account changes such as closure - not including inactivity. 
Policy is 1 year of inactivity places your account as subject to being closed - my account was less than 30 days active with the replacement card. 
This has negatively impacted my credit score as that was a XXXX credit line decrease and it lowered my open credit history by removing a XXXX XXXX XXXX account. 

The company stated they called me once- in XXXX- I do not have a record of the voicemail they stated they left. I did not receive any letters or emails related to the card already in existence.
Product: Credit reporting or other personal consumer reports

Capital one Capital One has no data or information in relation to these accounts that is negatively reported on my credit report. 
Date open XXXX XXXX 2019. I have contacted all three credit bureaus in regards to capital one reporting information that does not belong to me. I have gotten any results back still remains on my credit report since 2019.it is not far to have someone else negative accounts affecting my credibility..