23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC  # XXXX XXXX XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CREDIT COLL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

On XX/XX/XXXX around XXXX XXXX I heard a very loud and aggressive banging at my door. I did not see a car parked in my driveway nor across the street. I asked who was at the door and what they wanted. The individual said she was from the sheriffs office and when I opened the door, the officer hid on the side of the house and then proceeded to hand me the paperwork. She did not ask for my ID and she signed off on the document. This debt is from XX/XX/XXXXthat I was paying on regularly until XXXX. I had to use this card to pay for my mother funeral in XXXX. I have not been gainfully employed since XXXX until XXXX and I am now only working part time. I am not looking for compassion but the tactics were aggressive and unwarranted especially for someone like me that suffers from XXXX with documentation to support that. I have submitted an Answer Document to the law firm : XXXX XXXX XXXX XXXX XXXX XXXX, NC but have not been able to speak to an actual person.
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 account # XXXX has violated my rights. 

XXXX account # XXXX has violated my rights. 

XXXX account # XXXX 15 U.S.C 1618 Section 602A states I have right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 card

I had auto pay set from the day I opened the account with XXXX. There had never been any issues with my payments prior to XX/XX/year>. Since then every payment has been returned because there was a supposed Stop Payment on the account. I contacted my bank every time and there was no Stop Payment on their end. Finally, just yesterday, I was told that a Stop Payment was placed on my account on Capital One 's end. I have never placed any Stop Payment on this account. It took a 3 way call with my bank and Capital One. Coincidentally this past XX/XX/year> Capital One ended it's agreement with Walmart. If you look at my payment history it was perfect until then. 

Since this mess began my credit score has dropped XXXX points and I have incurred about {$400.00} in returned payment fees and thereby late payment fees as well. They are refusing to remove those fees which I should never had to incur since none of it was my fault.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting

On XXXX XXXX, XXXX I came to your dealership to test drive a XXXX XXXX. I had no intentions on buying a vehicle but I did eventually buy a XXXX XXXX XXXX. My sales person was XXXX XXXX XXXX XXXX, XXXX. I specifically told XXXX XXXX if their ( XXXX XXXX XXXX XXXX ) could not finance the vehicle for me, then I will not pursue getting the vehicle and do n't run my credit with any other financial institutions because that will drop my credit score. Because I did not authorize these inquiries I ask Equifax , XXXX and XXXX to remove them and I was told to contact XXXX XXXX XXXX and have get in touch with them to remove those inquiries. So, I wrote a certified letter to XXXX XXXX XXXX asking them to have those inquiries removed and I have n't heard from them and the inquiries are still impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I brought to the attention to XXXX  XXXX XXXX and Experian an issue of AN OPEN AND REPORTING OF A FRAUDULENT credit card ACCOUNT with XXXX  XXXX XXXX in XX/XX/2023 ( CFPB Compliant ID XXXX ). XXXX  XXXX XXXX told me that they did NOT report that credit card account opening to the credit agency, but, it has shown up with multiple alerts to my Experian credit report ; just today, I received an alert of being over the limit of this fraudulent credit card account, the credit limit is {$700.00}, now its reported {$720.00} unpaid, and my credit score has dropped by XXXX XXXX because of this fraudulent credit cared usage!!! I had filed dispute with Experian, but their investigation said XXXX  XXXX XXXX certified that all info ( related to that fraudulent credit card account ) is accurate ; however, XXXX  XXXX XXXX responded to me 2 days ago by saying that my info has been confused with someone else and they did not report that credit card to the credit agency. Please note, I did not open this fraudulent credit card, and the address on that card is incorrect, that address is my previous address from 6+ years ago. I even uploaded my proof of current address to Experian, but no further response from Experian!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I filed a complaint about two unauthorized transactions made on my Bank of America account, each for {$1000.00}. The money was sent to someone without my permission. I explained the fraud that occurred numerous times. I have been put in a loophole, getting told different things by different people from the same department. Both complaints were denied. I filed again on XX/XX/XXXX. I received a temporary credit for {$1000.00} after the tenth day for one of the charges. The other was denied. I took the {$1000.00} out of my account, which I no longer use. That account is now posting a balance of - {$1000.00}. When I filed a small claims dispute on XX/XX/XXXX, a few days later I was called by a Bank Of America representative. She stated she was waiting to receive details about my case. Eventually she called back days later and she very rudely stated that I was scammed and that I could not get my money back. This situation has caused me much financial, XXXX, and XXXX XXXX I have a set small claims court case on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, CBNA inquired into my XXXX and XXXX  credit files without my authorization. They have refused to delete these despite my repeated requests for them to do so.
Product: Credit card

I have filed multiple complaints against this company, And they continue to not rectify the issues. I am going to continue to file a complaint and until I can get what I asked for over a year ago. I have repeatedly asked for information regarding payment plans and to be on a payment plan because I am living on XXXX forced medical income. I can not afford to pay the amount that they are asking and I am willing to work with them if I can pay {$50.00} a month on the account ending in XXXX. I set this account up on a payment plan on XX/XX/year>, Then this company denied that theyre even was a payment plan, but they were not charging me fees for past due, They were taking the money and not charging the account any late fees. Then they turned around and said there was never anything in place, which is not true because Ive provided ample information stating that it was in place when I filed my first complaint against this company then they started charging me past due fees. I am wanting to be on a payment plan of {$50.00} a month, I am offering that in good stead, But this company refuses to work with me. I could take it to court and I know that I would get what Im asking for, I could also ask for all the time and energy and fees, and everything else from a judge in small claims, And then I would tack the money on because of the time, work, And trying to get this rectified. If they really wanted to get this rectified, they would offer me a payment plan to be able to do this. They say they have multiple payment plans in place under their company name, But anytime I have asked to be on this they refuse to put me on it. Then they turn around and credit as Im not trying to work with them and be cooperative with them. This company never offers me anything even though I am trying so, If they are not willing to offer me a payment plan, These are the options that are on the table, I will ask for a forbearance for the entire amount and I will cease pain anymore because you refused to work with me. The other option is I take to court judge and I sue you for all my time and energy and present to the judge all of the documentation that I have in trying to work with you, but you failed to work with me. Those are the options on the table.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is investigating a open complanent filed with CFPB. I feel since Equifax needs 60 days to investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX should be removed from Equifax report while being investigated unfair for this to be on my Equifax credit report when these charges were not mine
Product: Debt collection

MAURY COBB ATTORNEY AT LAW LLC. ( XXXX Account number XXXX ) They put a negative report on my credit record, without me being notified about this debt and that caused me to lose XXXX points from my credit score. This debt is more than 6 years old, I did not remember it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was contacted several occasions on XX/XX/2019 XX/XX/2019 as well as in XXXX in order to dispute that my payments for the XXXX and XXXX month were reporting 30 days late, although the payments were not 30 days late and they were advised that the erroneous information was impacting my ability to apply for a mortgage. XXXX XXXX never corrected the information although their own payment History shows that I was not 30 days late and XXXX and XX/XX/2019, on my XXXX and my Experian credit report require corrections that need to take place immediately. I have tried to resolve this on several occasions via XXXX XXXX website and XXXX XXXX customer service phone line.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX,. XXXX/XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,. XXXX, XXXX,. XXXX,. XXXX, XXXX, XXXX  XXXX XXXX, XXXX   XXXX XXXXXXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I disputed the error in my Experian credit report and despite providing evidence that the debt was previously settled, Experian is still not correcting the error. Section 611b of the Fair Credit Reporting Act ( FCRA ) entitles me to add a statement ( 100 words or less ) to my file giving my version of the dispute so I demand that Experian add this to my file under the erroneous information.
Product: Credit card

I am disputing the collection account with SALLIE MAE BANK XXXX account number XXXX, dated XX/XX/year>, with a balance of {$24000.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that SALLIE MAE BANK XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX XXXX are ignoring my requests to investigate and verify the accuracy of the information contained in my credit reports.
Product: Credit reporting or other personal consumer reports

I requested that XXXX XXXX validate the charge-off account : XXXX reporting on my consumer report along with the original contract that I signed in XXXX of 2023 through certified Mail. Additionally, I requested if the account 's debt can not be validated through a contractual agreement, or receipts of late payments, then the account must be removed from my Experian XXXX XXXX consumer report. XXXX XXXX has still NOT responded to my dispute however, they are still reporting the account on my consumer credit report with Experian and XXXX. This is a violation of my consumer rights per the FCRA & FDCPA : Consumer disputes and reporting legal processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a credit alert stating a new account has been added to my transunion report. When I checked, there was a new student loan reported on XX/XX/XXXX that was opened in XX/XX/XXXX for the amount of {$3500.00} and closed in XX/XX/XXXX with a delinquent status. I immediately contacted the servicer as I did not open any student loans in XXXX. When I contacted the servicer, they did indeed confirm I had not opened any loans in XXXX and the loan referred was an old loan from XXXX. I advised the servicer that I have not opened any loans and that this information was never reported to me until it went to my credit report now in XXXX. In addition, I advised the servicer there is no loan in my report from XXXX and the only loan I see in my report is one of XXXX. I was never notified via letters and they advised it was not a requirement. I requested this error to be fixed from my report as I have not opened any student loans in XXXX. The servicer said they will escalate to fix the matter and they will send me a statement. None of those tasks occurred. I then disputed the entry via transunion and the inquiry came back without being fixed. This is only showing on my Transunion report and XXXX accurately do not reflect this account on my report. 

Please have this error fixed. The fact that the agency is reporting a loan as XXXX for a loan in XXXX and showing a recent delinquency is falsification of records.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing inaccuracies on both reports. Don't know which information is correct. This is violation of the FCRA.All the items listed below are reporting differently how is that possible if everything suppose to be 100 % accurate. Please delete. View attachment Monthly payment, terms, high credit, date last active
Product: Credit card or prepaid card

I entered into a contract with XXXX ( web development company ) and funded a contract with the amount of {$5400.00}. Due to outside circumstances ( delays, poor performance ) we canceled the contract on XXXX. This was consulted by XXXX dispute team and American Express. The balance of the contract was {$2700.00} which we tried to recover on XXXX and via American Express dispute. After multiple attempts XXXX advised moving to arbitration ( AAA ) with an additional fee of {$290.00} and after a call to American Express on XX/XX/2018, by the customer rep on a recorded call they said not to pay the arbitration cost and American Express will handle the dispute. On XX/XX/2018, I was notified that we lost the dispute citing that the other party on XXXX paid for their portion of the arbitration. The funds in total were distributed to the other party due to the American Express rep. American Express needs to consult the XX/XX/2018 call recording with XXXX where he states that we should not pay the {$290.00} arbitration fee. We seek American Express to credit our account in the amount of {$2700.00} as it was under their advice on a recorded call from XX/XX/2018, that we did not enter into arbitration thereby losing the money we had in our escrow account. This is evidenced by the recorded call and the letter attached from American Express dated XX/XX/2018. We have now opened three disputes with American Express. American Express acknowledged on a recorded call I am in possession of that the call from XX/XX/XXXX exists and to seek 3rd party legal help. Please see attached documents for timeline and resolution from American Express that we dispute. 

From the previous dispute, American Express acknowledges that they " found we could have more clearly explained how the dispute process works. We apologize for any misunderstanding you may have experienced as a result of this matter I am glad this is a {$2700.00} teachable moment for American Express. If this is such a misunderstanding why will they not release the call to the CFPB and or myself as stated here, " Phone call recordings and/or transcripts, if available, are business records of American Express that can only be provided in response to a lawfully issued subpoena. " American Express knows that they offered the wrong advise even when point blank asking if we should pay the arbitration fee, they then said no on several calls not just the XX/XX/XXXX call. 

I have been a customer for 14 years, you lost me and everyone I know now.
Product: Credit card

I paid off my TJX Rewards Card ( Synchrony Bank ) on XX/XX/XXXX ( cleared my bank ). This is a week later and TJX has not credited my account. They claim my payment arrived, however have been holding funds for a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around 2013 several bank accounts and credit cards were opened under my name at Webster Bank without my knowledge. When I became aware of this I contacted the bank and explained the situation and was told the issue would be resolved on their end. Now on my credit history the fraudulent credit cards are still showing under my name along with late payments from this fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX