23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I received a letter from ERC about a collection account with XXXX XXXX for {$460.00}. This account was open in XX/XX/XXXX and closed in XX/XX/XXXX. After reading and going through my accounts with my fiancee, we decided to send a debt validation letter to the company, ERC. On XX/XX/XXXX, I sent a debt validation letter to this company. After waiting for a response to the alleged claim, I received several alerts that a new collection was placed on my credit report. ERC placed the collection on my ( 3 ) credit reports before validating the debt. Upon further review, I contacted ERC as to why the debt wasn't validated and no immediate answers were given. All they claim that they were contracted by XXXX to collect the debt. As a record keeper, This debt was bought from XXXX XXXX back in XXXX and not from XXXX XXXXas they claim.
Product: Debt collection

On XX/XX/year>, at XXXX I contacted GENESIS CRDT to request validation about an account that appeared on my credit report. The representative asked me for my name, dob and full SSN which I provided. The representative than asked me for an email address which I also provided. The representative stated that they are not able to locate an account for me and have sent this information to be reviewed. I than asked how you can report something to my credit report if you can't locate an account after I provided all my personal information. The representative than stated that I should call back within 24 Hours I asked the representative to transfer for me to a supervisor and he denied my request several times. I asked for a reference number for the call and the request he submitted he stated that there was not a reference number. I let the representative know that I am calling for validation because his company is reporting on my credit report and now, he can not provide me any information. I asked again to speak to a hire up he stated no I am not transferring you to a supervisor because I can't ID myself, I stated back to the representative I provided all necessary information again my name, dob and full SSN. The representative still denied providing validation of the debt reporting to my credit report and denied for me to speak to a supervisor. He stated that they are not seeing an account for me and that's why sent the request. I asked for the information to be removed he said no call back in 24 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting. 
agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section640 A Section 2 : it also states a consumer reporting agency account furnishes an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Student loan

I haven't recieve any information if my loan was forgiven. I see interest going up on loan so I try to make payment and get rejected saying no payment due {$0.00} balance. But I see my loan increasing daily from interest. I try calling and 7 hour wait. They say they call back but never do. This is entrapment and setting me up for failure and cost me more in the end if loan was not forgiven.
Product: Credit card

I signed up for a US Bank XXXX XXXX XXXX Visa a few years ago. It came with prescribed benefits for paying a {$75.00} annual fee which I have paid each year. I just renewed my annual fee in XXXX and US Bank has removed the best benefit for me. Stay XXXX or more nights and receive your XXXX XXXX free. I have asked US Bank to refund my annual fee since they have chosen not to honor the terms of the agreement I signed up for but they have refused to do so. This is clearly a breach of contract and I am asking for CFPB to get involved. I am attaching XXXX documents that show the benefits as described by US Bank and the statement that all these benefits are included for paying the {$75.00} annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

have written, faxed and spoke with CSRs at all 3 credit bureaus agencies advised that I am a victim of fraud submitted police reports and Identity theft report affavaidts on numerous osscassion FTC Report # : XXXX and Equifax and XXXX  " REFUSE '' to remove accounts that were a result of fraud which are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. The 4 accounts need to be removed for they do not belong to me.
Product: Mortgage

Trying to recast loan through US Bank. Unwilling, unable to help me. Now going on two weeks. Absolute XXXX. Give runaround, give false information, false pricing, ignorant at all levels of company regarding process.
Product: Debt collection

After discharge of a chapter XXXX bankruptcy, where the XXXX lien was stripped by the court, due to the declined value of the property, the XXXX lien holder filed a motion ( subsequently granted by the judge ) to re-open the bankruptcy as they felt they had not been notified of the intent to strip the lien. This in all likelihood was due to the XXXX lienholder failing to record the lien timely. However, i was not notified by the XXXX lienholder attorney that a motion was filed. The mortgage company never notified me of any issues, the mortgage company 's counsel never served me, I found out about the motion through the title company while trying to close the sale of my house. The sale has now fallen through due to issues with a clear title, so now i have not only lost the sale, but am also responsible for the buyers appraisal and inspection fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a certified mailing to XXXX XXXX, that was received XX/XX/, advising that I've recently pulled my credit report and noticed an account from them listed on my credit report. The letter advised that I was requesting that the debt be validated. By law, I have the right. By law, agencies have 30 days to respond. XX/XX/XXXX made the 30 day mark and the company has not responded with any validation of debt to myself or the credit bureau. 

XX/XX/XXXX, I sent a certified letter to XXXX requesting the deletion of the above referenced account due to non response. I also sent a certified letter to Equifax requesting that the account be deleted immediately. 

I received notification from Equifax advised that they've received my " dispute '' and opened a dispute on the account. I did not request another dispute. I sent in a deletion of account letter to Equifax. By law, XXXX is entitled to 30 days and they failed to comply. By Equifax opening another dispute, that would be a total of 60 days. This account needs deleted off of my credit repot, immediately. 

I've attached a copy of the deletion letter sent to both XXXX and Equifax along w/ the certified letters return receipt. 

I've contacted Equifax today and after being on the phone with a representative for 30min, the call was discinnected.
Product: Debt collection

This is regarding the account : CAINE & WEINER COMPANY XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX AMOUNT ( S ) : {$700.00} ORIGINAL CREDITOR : XXXX XXXX XXXX CASH ORIGINAL DATE OPEN : UNKNOWN This is the third attempt requesting verification and documentation of the alleged debt. This account in violation 15 US CODE 1692g. Ive requested that you provide to me verification of this alleged debt. VERIFICATION CONSISTS OF A FORMAL DECLARATION. WHERE YOU SWEAR TO TELL THE TRUTHS OF THE STATEMENTS OF THE FACT OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond-ing local state laws. Please note that I am requesting validation, that is competent evidence bearing my signature, regarding original documents, showing that I have ( or ever had ) some contractual obligation to pay you.
Product: Debt collection

On XX/XX/2019 at XXXX XXXX I received a phone call. I wasnt able to pick up the call, but saw that I received a voicemail at XXXX for 28 seconds. It was a female stating to please call back before XXXX and said to call this number ( XXXX ) XXXX. I originally called the first number I received which was ( XXXX ) XXXX. I spoke to a male agent and I provided him my social to look up my account and he asked me if the person who left a voicemail had provided an extension or account number, I said no. He checked my first account and said its in good standing and doesnt understand why I was called. He then pulled up the other account which I initially provided a court order judgement signed by a FL Judge stating that the vehicle is not my responsibility to pay, only for the other vehicle which I am still paying. 
The agent advised me that the second account has a legal status and therefore, they were not able to attempt to make a call in regards to that account.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX is refusing to delete derogatory information from my Trans Union Credit Report until XX/XX/XXXX. The account was charged off in XX/XX/XXXX and has been paid in full. Attached is a copy of my report showing that XXXX XXXX account # XXXX is not set to be removed until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXXg. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The only way I learned of this debt collection was that it was reported on all three of my credit reports. I disputed this several times on XXXX XXXX and XXXX XXXX   removed it from my report. However, TXXXX and XXXX  are being difficult and not removing this after I replied that I have no knowledge of this account. I never received any information regarding this debt by phone or in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attached to three student loans from XXXX formally known as XXXX XXXX. These loans were obtained for my husband ( at the time ) XXXX XXXX education. I agreed and co signed on the first loan with XXXX XXXX for the education institution called XXXX XXXX XXXX XXXX XXXX XXXX. This was a term of six months totaling {$40000.00} and I signed as a cosigner. This education program extended into 2 1/2 years and two additional loans were obtained. I did not authorize nor sign the second or third loan however XXXX  XXXX XXXX XXXX XXXX obtained the second and third loan by using my Social Security number and my name. I have attached contracts that show my name on a primary line and one of the loans my name on the primary and co-signer One. These contracts were not written in good faith and does not represent the Department of Education, the company XXXX, nor the education facility called XXXX XXXX XXXX XXXX XXXX .I have spoken with the Department of Education and they have informed me that Student Loans obtain through XXXX XXXX now XXXX can only be given to a parent using a plus loan or a student using a student loan that a spouse is not eligible nor is it legal to obtain a student loan for a spouse to go to school of any kind. The Department of Education shows no record of my name on any three of these loans and they are aware of the situation. I have attempted through an attorney, myself, The credit bureau and XXXX XXXX to clear this issue up I am still in the same place. I am a single mother of XXXX children I currently work for the XXXX and I had prior military service I am also a XXXX vet. I pay my bills I pay my taxes and I keep my credit as upstanding as I can I also hold a clearance for the United States XXXX. This student loan that I am not responsible for has caused me to struggle financially for the last 8 to 10 years being able to obtain good interest rates car loans mortgage options etc. I am so disappointed The lack of concern in the situation has been given. Although life isnt fair this particular situation is extremely unfair not only to myself but to my children. I hope these words find the right person that is concerned to help resolve the situation. I have attached documents and I have more if needed the situation has been going on since XXXX I have notified XXXX of this issue dated all the way back to XXXX. I am hopeful that this could be resolved in a timely manner
Product: Debt collection

This is in reference to the fraudulent transaction that was concocted by XXXX XXXX for alleged unpaid gym membership. My children and I have not been to this gym for more than 13 months. I was a member along with my children of XXXX XXXX. We paid on a month to month basis and all dues were paid. On XX/XX/XXXX, I sent an email to the manager to put a freeze to the account due to coronavirus restrictions. Exhibit 1. ( XX/XX/XXXX email ). 
I received an email on XX/XX/XXXX from the manager saying that even though my family and I were not using the gym and there was a nationwide shut-down due to coronavirus that the accounts will still be charged and will be refunded. ( Exhibit 2, XX/XX/XXXX email ). 
That did not make sense to me. I objected to it and responded that I had not been to the gym for almost a month and I requested again to have my account frozen. ( Exhibit 2, XX/XX/XXXX email ). 
On XX/XX/XXXX, I emailed the manager again as there had been a {$100.00} charge on my bank account even though I had not used the facilities. I asked again for my account to be frozen until XXXX or when it was safer for me to use the facilities. I disputed the transaction and asked my bank to refund the money which it did. ( Ex. 3 XX/XX/XXXX email ). 
Then on XX/XX/XXXX, I received a letter from a credit reporting agency, XXXX XXXX XXXX XXXX XXXX notifying me of an alleged amount of {$1200.00} that I owed XXXX XXXX of XXXX XXXX. ( Exhibit 4 ) .This was a shock to me as I had never once received any bills at my home of any such dues. Believe me, it would have been disputed had I received one. 
I do not owe any money to the XXXX XXXX. I and my family have not used the services since early XX/XX/XXXX and all our monthly dues were paid up until then. 
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have disparaged my name and ruined my credit based on a fraudulent Business Practice of billing unsuspecting gym members to scare them into paying them for services that were not used. 
This is an unfair tactic and a fraudulent Business Practice and constitutes harassment. I am being harassed for an amount that I do not owe and my name and information have been sent to the collection agency and to the credit bureaus thereby ruining my credit and my standing with other creditors. 
I am demanding a retraction that states that XXXX XXXX made an error in reporting my account to the credit bureaus and for a retroactive fix to my credit for all the months that were affected during this period and I want this debt to be eliminated. This retraction should be sent to the three credit bureaus with a copy to me.
Product: Debt collection

Hunter Warfield, Inc. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX  
XX/XX/2021 
Account Number: XXXX

XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX

Original Creditor: XXXX XXXX 
Consumer Number: XXXX

Current Balance: XXXX

* THIS BALANCE WAS PAID IN FULL AND MS. XXXX XXXX CONSUMER COLLECTIONS MANAGER WAS GOING TO REACH OUT TO XXXX  AND CLOSE OUT MY COLLECTION ACCOUNT. I NEVER HEARD BACK AND THIS ACCOUNT IS STILL OPEN WITH HUNTER WARFIELD. I JUST TESTED THEIR SYSTEM.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. These accounts and inquiries were the result of a data breach, and I have no association with them. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have all fraudulent information permanently removed from my credit file. 
Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX XXXX Account Number : XXXX XXXX Date Opened : XXXX XXXX  Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX XXXX  Date Opened : XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XXXX XXXX  Balance : {$22.00} Fraudulent Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Wells Fargo was the lien holder I believe and around XXXX to XXXX vehicle repossesed as I was cosigner and tried to work a deal but the vehicle was repossessed and hurt my credit for a while. They would not work with me to correct the problem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 12 CFR Part 1022 ), the accounts and inquiries listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681b ( a ) ( 2 ). 

Accounts : XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus granting TransUnion permissible purpose to publicly report the listed accounts and inquiries. This infringes upon my privacy and rights per the Fair Credit Reporting Act ( 12 CFR Part 1022 ), 15 U.S.C. 1681b ( a ) ( 2 ), and 15 U.S.C. 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the accounts and inquiries listed below are fraudulent and were opened without my consent. 

XXXX XXXX XXXX Account # XXXX Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX
Product: Debt collection

Someone who had been using my personal indentifying information obtain loans and goods in my name.I already sent American collection systems in XXXX Wyoming a letter from my attorney, as well as a police report and ftc report.they originally removed it from XXXX and XXXX as they are supposed to by law.last week I noticed the same {$540.00} collection on my XXXX credit report! it's is from XXXX XXXX.i never have done business with this place, nor do I live where loan was even taken out. My social security number is XXXX
Product: Checking or savings account

XX/XX/18 XXXX a.m. ATM at XXXX XXXX XXXX XXXX. 
I tried to withdraw XXXX dollars from my account ( non-Bank of America account, even though I am a BOA customer ). The ATM gave me back my card, but no funds were disbursed. I drove away from the location. There was another car right behind mine and they had to take the money if it was disbursed after I left. 
I went to another ATM machine and withdrew XXXX dollars with no problem. 
When I went back to my house, I checked the balance in the account and there were XXXX withdrawals for XXXX dollars. 

Bank of America feels they are not responsible because it isn't a BOA account. I went to a branch and asked if could review the videos they have to see what happened. They refuse to do any research. 
I called many different numbers and they say they can't help me. 
I have filed a police report to ask BOA to review their tapes. I am sure this is not a priority for the XXXX Police Department. 

I would like to know if something can be done to have BOA review their recording. 
Any help will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Mortgage

I applied for a loan through XXXX XXXX The next day and every day since I am getting at a minimum 20 calls a day from central mortgage company. From a different number, location etc. different person. No matter how many times Ive asked to stop being contacted. They continue to call day in and day out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been sending letters to Experian, XXXX, and XXXX in regard to items on my credit that are unverifiable. Also, most items do not match from 1 bureau to the other, stating missing information or information that does not match at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Debt collection

I had disputed this debt on XX/XX/2023 and it was NOT OWNED by Dobberstein Law Firm. According to records on credit report it was owned by XXXX XXXX which purchased it in XXXXXXXX XXXX XXXX 
Currently I am being sued in small claims court by Dobberstein Law Firm who stated that I did not dispute debt through their company. I believe Dobberstein Law Firm purchased an invalid debt and is practicing unlawful debt collection. 
I requested debt validation and Dobberstein sent me a copy of original contract between me and UOwn Leasing and a print out from their personal records. The amounts did not match nor the number of payments. They also did not have any information regarding it being previously disputed. 
XXXX conducted an investigation and between XX/XX/2023 and XX/XX/2023 this was removed from my credit report.
Product: Credit card or prepaid card

Called the company to report a billing dispute in a timely manner on XX/XX/2022. This is for a charge dated XX/XX/2022 for {$260.00} for a recliner chair that delivered defective. The delivery clerk refused and did not offer to take the chair back that I wanted to refuse. The business advised me that I could send supporting pictures through the secure messaging center, this doesn't work. Therefore, I am submitting supporting pictures of the damage to justify my dispute.
Product: Money transfer, virtual currency, or money service

Unclaimed funds from XXXX XXXX bank.