23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2019, I received a phone call from XXXX with a caller ID indicating XXXX XXXX from XXXX XXXX, CA. I answered the call and went through two transfers with the phone cutting in and out. I then was told the call was from Midland Credit and they were calling about a Debt with XXXX XXXX. I asked the reps name and was told it was XXXX XXXX. XXXX has an XXXX accent and was hard to understand. She indicated that today shes calling about a debt they purchased from XXXX and you owe us today. Ive never received any form of communication from the company prior - she indicated that a letter had been sent to my home address on XX/XX/XXXX. I told her again Id never received this letter and asked if she could please resend it. Each time I attempted to ask her a question about this, she cut me off and said you need to pay this today or Im turning it to court. She then said, you made a payment on XX/XX/2019. Again, I asked her to send the letter as required by the FDCPA - she then started to get irate and ramble. She began to say, youre refusing to pay today ... I again told her to send me the info first. I told her not to call me until I get the letter. This same number has called my husband on his cell - hes not even on the credit card. This is the first time I received this call. I want documentation from midland credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information multiple times with XXXX, XXXX XXXX and XXXX XXXXXXXX service. These 2 accounts are not mine but still remains. 

{$1600.00} Original creditor : XXXX XXXX XXXX XXXX   XXXX PA {$710.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX PA
Product: Debt collection

The Joseph , Mann & Creed company sent me a mail which saying I owed XXXX {$670.00} with account XXXX ( see XXXX ). I checked XXXX  using searching tool provided by XXXX official website ( XXXX XXXX XXXX XXXX XXXX, the XXXX  shows I was charged XXXX USD and the amount due is {$0.00} ( see attachment ). Besides. how am I able to successfully return the car if I didn't pay the bill? I'm wondering why youstill want to me pay again even though the bill is already paid? This collection makes me nervous all night and won't trust this company again.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have multiple accounts that dosent belong to me which is ( inquires ) and i tried to send the dispute letter to them ( trans union ) and they did not delete these accounts please i want to report them for not protocting my privacy transunion XX/XX/2023
Product: Credit reporting or other personal consumer reports

This company put a fraudulent account on my credit. I disputed they left it on. Its been charged off since and the amount is over {$600.00} I requested a 1099c form and they refused to send me one to report to irs. They were paid from business insurance for my account and still sold the debt after being paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to Experian regarding removing the below inaccurate items from my credit report. To date I have not received a response To Whom It May Concern : I am writing for you to update/correct my personal information on my credit report with your credit bureau XXXX Please be advised that you are reporting inaccurate names and inaccurate addresses on my credit report. I am disturbed that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The Fair Credit Reporting Act ( FCRA ) was put in place to ensure that bureaus report only 100 % accurate credit information. Based on this law, credit bureaus should take every step to assure that the information they report on a consumers credit report is completely accurate and correct. As a consumer I have the right to dispute incomplete, inaccurate, or unverifiable information that is on my credit report. 

1. My legal name is XXXX XXXX XXXX and it is the name I use for all credit and debt purposes, any other names ( or any other variations ) on my credit should be deleted as they are not my legal name. 
2. My current employer is XXXX XXXX XXXX any and all other employers on my credit report should be deleted as I do not work for them. 
XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, TX, XXXX and is the address I use for all credit and debt purposes, any and all other addresses on my credit report should be deleted as they are not deliverable to me by the United States Postal Service. 

Please update my name and address to : Under the Fair Credit Reporting Act ( FCRA ) consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Consumer reporting credit bureaus agencies may not report outdated negative information. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Inaccurate, incomplete, or unverifiable information must be removed or corrected, within 30 days. Please remove all of the inaccurate names and inaccurate addresses off my credit report, as per the Federal Credit Reporting Act, since they are inaccurate. I will await an updated copy of my credit report to reflect these changes. 

Thanks in advance, XXXX XXXX
Product: Debt collection

XXXX XXXX and Navient are fraudulently using SSN and saying I owe debts that are not mine. They are using my SSN without my authorization and turning around and saying I owe them. This is considered Identity theft. I was part of the data breach back in XXXX of XX/XX/XXXX. I was notified by XXXX about their wrongdoings. I also was notified recently that my Social Security Number was part of a data breach. I have ongoing correspondence with XXXX XXXX that I do not owe the debts that are alleged on my consumer credit profile. Acct # XXXX XXXX XXXX and XXXX ( XXXX XXXX ). Both accounts are paid for and XXXX does not have evidence that I owe a debt. I asked XXXX to send proof via the ledger on the account and a sworn statement under the penalty of perjury saying I owe them the alleged amount. I'm also asking Navient to do the same as I do not owe this company. I did not sign any contracts with Navient. I want to see the ledger showing I took out a loan. Then a signed statement under the penalty of perjury saying the debt belongs to me. XXXX XXXX and Navient using my private information with third parties and that was not authorized. Attached is the identity report I filed with the FTC.
Product: Checking or savings account

I have been charge over draft fees. For years!!!! Even when I still had overdraft protection!! I took it off because my money has been taking out for years!!!
Product: Payday loan, title loan, or personal loan

The company put a garnishment on my payroll.I wasnt informed about it until two days before.Legally I have a right to revoke the garnishment, but the garnishment department is telling me othereise. The garnishment started XX/XX/2018..I got letter in mail on the XXXX ... I didn't sign a garnishment wage form..
Product: Debt collection

I settled this debt with XXXX XXXX XXXX for debt owed to XXXX XXXX. The debt was settled for {$400.00} on XX/XX/2021. XXXX XXXX XXXX verified that they owned the title to collect the debt. XXXX enlisted the help of XXXX XXXX XXXX to collect the debt knowing that the debt was sold. I received another debt collection letter from XXXX XXXX XXXX on XX/XX/2021 for collection of the XXXX XXXX debt. Ive sent my receipt of payment from XXXX XXXX XXXX  and my release of liability to XXXX XXXX XXXX  on XX/XX/2021. I just sent Resurgent Capital Services the same document on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A letter was sent to my home, alleging to be a collection agency for a debt to eBay. The letter was addressed to my maiden name, which I have not used since before eBay existed. An internet search of the telephone number listed in the letter revealed that this is most likely a scam and should not be trusted.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft VERIZON Account Number : XXXX This is not mine. 

2. Identity Theft SYNCB/PAYPAL Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Vehicle loan or lease

In XX/XX/XXXX, my Mercedes, which was leased, was taken as a replacement, and in XX/XX/XXXX, I delivered my 2nd vehicle for financial reasons since I could not continue paying for the vehicles.

When I tried to reach an agreement with the company, it wanted to charge me an extra surplus of what the vehicles were worth and they were taken to auction where they were sold, and the remainder of both vehicles charged to my account. affecting my credit. 

I understand that if you cover the gap of the vehicle, it covers any type of coverage in the future, so you should not have any type of debt. 

There are XXXX lease accounts, one of which is for a value of {$3500.00} and the other for {$6900.00}.
Product: Debt collection

Americollect Inc., is demanding money from me with the intentions of damaging my credit scores if not received in their version of a timely manner. Americollect Inc., are debt collectors demanding a debt on behalf of XXXX XXXX XXXX XXXX. I have not received any goods or services from Americollect Inc., and I do not know how Americollect Inc., received my private medical information. Please be advised no consent to treat documents bare the name Americollect Inc., as Americollect Inc., is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. 

With proof of receipt Americollect Inc., received my validation notice on XX/XX/2022 via XXXX mail. Americollect Inc., is aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contracts in place to support we have agreed to honorably conduct business and I have not agreed to pay/tender anything to Americollect Inc. , on behalf of another company at the expense of my medical information being on display for whomever. 

Americollect Inc., proved they are willing to do whatever they can to force their alleged clients into paying debts while violating their XXXX rights in the process. The account validation provided by Americollect dated ( XX/XX/2022 ) proves I am the victim, and if I dont pay Americollect Inc. , they will damage my credit scores. By providing documents of my previous private XXXX XXXX, Americollect Inc., have indeed violated my XXXX rights. 

I am not a party to any agreements that Americollect Inc., may or may not have with XXXX XXXX XXXX XXXX I am not responsible for Americollect Inc.s purchase / transfer from XXXX XXXX XXXX XXXX XXXX 

On XX/XX/2022, an unnamed authorized representative of Americollect Inc., mailed her/his/their/a version of a reply to my validation notice. My validation notice was completely ignored. The unnamed authorized representative of Americollect Inc. Due to the carelessness of the unnamed authorized representative for Americollect Inc. , my private medical information is currently on display proving several violations of my XXXX XXXX. 

I have contacted XXXX XXXX XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private medical information to Americollect Inc. At this time, I demand no further contact from any associate or authorized representative of Americollect Inc XXXX 

My credit files are not to be reported to or damaged in regards to this matter as Americollect Inc., are not Holders In Due Course with contractual agreements to support goods or services provided to me.

All calls are recorded for my safety Please be advised that Americollect Inc., is not a Holder in Due Course. Please Cease and Desist. 

I have included all proof in the attachments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2017, all bureaus to include XXXX, XXXX, Transunion as well as XXXX, XXXX XXXX, XXXX, XXXX, and XXXX  XXXX  have been reporting on my reports that Public Record Bankrupty Chapter XXXX Discharge with reference number XXXX XXXX  was verified as accurate or provided info on such discharge by the US Bkpt Court, XXXX, Fl. 

I contacted the court and their response is attached. 

It is clear they do not report to you or any credit bureaus for that matter, therefore the original response verifying the item with the court was either an error or a lie. 

Either way, the reporting requirements do NOT comply with FCRA Section 611 ( 15 USC Section 1681 ) and the information must be deleted immediately. 

You must delete this item and all related associated items within this public record from all credit files and I never want to see them appear again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I had accounts with XXXX, XXXX, AND US BANK. They just closed my accounts because I asked for larger amounts to deposit into investments elsewhere than the banks. They had suspicious reactions that I was being scam or otherwise. I am not involved in anything. 

I was suspended and found out just by trying to use my debit card. I had over {$170000.00} in my bank accounts from a home sale left over after investing {$150000.00}. 

I felt like I was treated like a criminal. I am a responsible XXXX who has never been in trouble before. 

They did give me my money back in a cashier 's check. 

I just want the government out of my business affairs. Please file charges on all three banks with the SEC and FDIC. Besides filing charges against all the banks for me. 

XXXX, early 2023. 
XXXX in XX/XX/2023. 
US BANK, XX/XX/2023 I was put on XXXX reporting. Please sue all. I had the hardest time finding a new bank. 

Cordially, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had my ADP/XXXX  Payroll Debit Card since XX/XX/XXXX. This past Saturday, XX/XX/XXXX, I attempt to use my card for services rendered at my vets office only to be told it didnt work. I knew I had an available balance of XXXX. I went to the local ATM to withdraw the cash to return to pay my bill to be told by the ATM, my card had been deactivated! With 21 million people out of work, 21 million people plus struggling to get by, XXXX/ADP/XXXX  puts a hold on my card aka MY MONEY, aka MY PAYROLL Direct Deposit Card until I prove to them I am who I say I am after nearly 2 years of transactions. When I called Monday XX/XX/XXXX, to find out what the problem was and I was told to submit umteen pieces of identification so they could be sure I was the owner of the card. Oh and by the way, this process will take 1-6 days according to them. In the meantime I HAVE NO MONEY! This Friday is payday again! another direct deposit and I HAVE NO MONEY and NO ACTIVE CARD. I have XXXX small children to feed, this company has NO right to just step in an deactivate my account - If my card had been stolen, or misused, I would have been the first to call. I am adult enough to figure that out! MOREOVER, I have an OFF/ON button in my app enabling me to turn my card off from being used if I need to. They have NO business arbitrarily doing what they did as a result! This action is simply egregious - Holding MY ONLY INCOME, then expecting me to upload serious documents over the internet that shouldnt be uploaded to ANYONE, so they can then spend the next week determining if it is in fact ME, the owner! This is inexcusable! I want my card reactivated IMMEDIATELY - Release MY money - I have bills to pay! I have children to feed! This company has some nerve pulling this given the state of this economy and nation! I will take this as far as I have to. This has simply gone too far. I WANT MY CARD REACTIVATED IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes on my account to XXXX XXXX XXXX relating to the reporting of the account. The status shows as in repossession -- this vehicle was voluntarily surrendered in 2015 and has been reporting incorrectly for years. The last payment date is incorrect -- they are using the date the vehicle sold at auction and the proceeds were applied when that was not a voluntary payment. The last payment date reported on a credit report is to be the last voluntary payment. The account closed date is incorrect -- it should have been reported as closed on the date of voluntary surrender. The balance is incorrect -- they are continuing to report this account as if it is still open and payments are due. The payment history is incorrect -- it should no longer be showing monthly payments are due/past due as no monthly payments are due on the account -- it should have been charged off long ago. The balance is incorrect -- somehow it increased in the last month! I am going to take legal action if these items are not remediated.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance : {$67.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$210.00}, XXXX XXXX XXXXXXXX Balance : {$72000.00}, XXXX XXXX XXXX Balance : {$61000.00}, XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are in violation the FCRA Laws. I XXXX XXXX a natural consumer never gave any written consent to report these fraudulent accounts on my credit profile. I sent them XXXX letters XXXX on XX/XX/21 XX/XX/21 and on XX/XX/21 XX/XX/21 about them violating me and my rights as a natural consumer UNDER 15 USC 1681B 15 USC 1681N. They still haven't corrected my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with TransUnion credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and they sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. TransUnion has told me they verified this public record but they did not tell me how they did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus on several occasions asking them to delete inquiries that where not authorized by me and they have failed at investigating this issue properly. Over the last nine months I have been writing Equifax and XXXX  credit bureaus about inquiries on my reports that was not authorized by me and all they send back is a letter saying the inquiries are factual records that I made,