23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account went into collections after being disputed. 
Request Validation of Vertification *Show proof of how this debt was vertified. 
*How did you validate this information.
Product: Credit card or prepaid card

hackers HAS STOLEN MY IDENITY.
Product: Credit card or prepaid card

I found that my Victoria 's Secret card was frozen in the beginning of XX/XX/XXXX, so I called Comenity bank number on the back of the card to see what the problem was, since I could not view my balance or points on their website. When I spoke with them they asked if I filed for bankruptcy or if I am consolidating my debt and the answer to that is no not with Victoria 's Secret. A few days ago XX/XX/XXXX I tried to use my card at XXXX XXXX XXXX XXXX  it was declined. Then today XX/XX/XXXX I tried to make a payment for it is due today, I was not able to log in to the website. So I called customer service ( XXXX [ she could not help me ] ) then she transferred me to a female specialist ( foreign, could not understand when she stated her name nor could she help me ) for comenity bank. I tried to make a payment, fix my card, I even tried to close my account, they couldn't help me with any of my requests. So I called my identity theft law firm and they sent me to you. I don't know why they did this to me I always make my payments on time, use my card faithfully there is no reason for the treatment that I am receiving from Victoria Secrets Comenity bank. 

Thank You, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. No investigation was completed within 30dsys of the letters I sent.

( My letters that was sent to the credit bureaus are attached )
Product: Debt collection

In XX/XX/2018 I had called into National Recoveries Incorporated who is collecting this debt on behalf of the US Department of Education. After speaking to them that day I advised them to not call my cell phone XXXX as it is a work phone that my employer pays for. I again called in on XX/XX/2018 to gather some information and before hanging up, again advised them they could not call my cell phone. Then on XX/XX/2018 I called in to see how much it would be to bring my account current. While speaking with a representative I received a call from National Recoveries Inc. XXXX XXXX Ext XXXX called me while I was speaking with National Recoveries Inc. What was odd is that the number she called from was XXXX area code so I am not sure if they were making sure I didn't know it was them. But after asking she advised me she was with National Recoveries Inc. I advised her that I was already speaking with them and advised her that she was not allowed to call my cell phone. This clearly violates the FDCPA as XXXX at ext XXXX said she showed my account as cease all cell phone calls as I had told them the previous 2 times. At this point I can either take this to court and have my loans dismissed with additional FDCPA fees and or they can put my balance to XXXX considered paid in full with no tax burden on myself.
Product: Mortgage

Since about 6 months before Freedom Mortgage purchased our loan from the previous servicing company XXXX XXXX, we have been inundated with mailings for refinancing to ARM loans and once we read further into Freedom Mortgage practices we discovered that their practice of not reporting on time payments will affect our credit negatively and their online customer service is non operable and there is a {$15.00} fee for over the phone customer support. This is the epitome of a predatory company!
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed Unauthorized fraudulent accounts on my report please remove these accounts immediately as they are affecting and hurting my ability to obtain credit, in Addition these accounts are being reported by a third party company
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX branded XXXX has not been updated on my credit report since XXXX. I realized the lack of updates and contacted the company on XX/XX/XXXX. I was told there was an error in updating credit reports and it would be fixed within 45 days. The balance still remains on my report. I also reached out a second time and got a generic message that it would be handled. I am delaying a purchase because this balance ( that doesnt exist ) is negatively impacting my score. Interest rates have now risen. I am negatively impacted financially by this. Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a letter from Equifax Information Services LLC, ( dated XX/XX/year> ) informing me that my request to dispute inaccurate items on my credit file, was denied as a result of them not being able to validate my identity. The address they have on file, which is a previous address of mine, hindered them from moving forward in the dispute process. per the suggestion of a representative who I spoke with via telephone, I filed a dispute online, to have my current address updated. Unfortunately, according to Equifax, the dispute has been concluded and closed, however, the issue still persists. Attached to my written disputes are copies of my VALID driver 's license as well as my social security card ( which according to the FCRA are valid forms of documentation ). I also included a photo of my driver 's license with the online dispute, so I am not sure what else I can do to validate my identity and current address at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sent credit card bill to wrong address. 
Even though they received bill back in mail as undeliverable they never tried to contact me by other means such as : my home address, telephone number, and E-mail address that they had on file. 
This account was sold to XXXX XXXX on or about XX/XX/2018. 
This account was settled with Citi Bank on XX/XX/2018 after they called me by phone. 
XXXX XXXX XXXX reported to TransUnion as adverse account with incorrect address. 
When i called XXXX about correcting this problem they told me the account was sold and they had no records and could not help me. 
When i called XXXX XXXX they said it was not their report and i must work with XXXX XXXX who must have records. 
Someone is obviously lying.
Product: Credit card or prepaid card

I made a {$200.00} payment on my credit card on XX/XX/XXXX. For some reason, they have it listed as XX/XX/XXXX. After waiting all weekend for my available credit to update, I called the issuing company on Monday XXXX XX/XX/XXXX XXXX to ask why my available credit has not been updated. I was told that since this was a new account and I paid {$200.00} ( or more ) in 1 payment, my available credit would not be updated for 5 business days. I can understand putting a hold on my account if I was behind, but I am not. This is the first billing cycle.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX XXXX XXXX with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$68.00} ( XXXX XXXX XXXX XXXX XXXX XXXX : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I submitted a loan modification to Rushmore loan management. My income was more then enough to qualify. The day I submitted the file the Rep spoke to me and my assistant helping me on the modification and he stated that he " did not like the file '' and he would not submit it to underwriting. He sounded like he was not fully " sound '' or he was on some type of drugs or medication. When I brought this to his attention he got more upset and would n't transfer me to a supervisor. He then told me I was at the 38 day period prior to my foreclosure sale date and he would do everything in his power to kill my file. I went to court and had the sale date moved 14 more days and than resent the file and requested a new account rep. I got a new rep and the file was sent to underwriting and then declined. I sent an appeal and I was told because I had a foreclosure within 90 days they would not review my appeal. I did research and found out once they have a full modification file 38 days or more before my sale date they are supposed to place the foreclosure on hold which they did not do, than they are supposed to allow me a 30 day appeal process no matter what and they did not do this either. I believe this account rep stayed on top of my file and made sure it was denied due to my race and his prejudice towards me. XXXX was the point of contact that fought with me and he made a personal decision to decline moving the file to underwriting. His phone line is XXXX.
Product: Credit reporting or other personal consumer reports

EXPERIAN WILL NOT BLOCK FRAUDULENT ACCOUNTS ON MY CREDIT REPORT
Product: Payday loan, title loan, or personal loan

I called Credit Acceptance on XXXX XXXX2022 for payoff quote it was up to XXXX XXXX2022. Total amount was {$9200.00}. I called for another quote to possibly extend it until XXXX XXXX,2022. That payoff quote was {$10000.00}. I asked representative why so much, she said she didnt know, she asked my mileage at that time just as the first representative did on first payoff. On XXXX XXXX2022 I called back credit acceptance, paid loan off over phone with a representative. They did 3 transactions of {$2500.00} dollars and 1 transaction of {$1700.00} and also charged my bank account {$9.00} for each transaction. At that time once it was completed the representative told me I would be getting a refund for vehicle service contract I had cancelled that same day. He told me I would get letter in mail and I should get most back because I never missed any payments and Im paying off early. I received letter stating I would be a cancellation refund of {$1700.00} dated XXXX XXXX2022. I called on XXXX XXXX2022 asking status of refund representative then told me I would be only getting {$95.00} back that they put it towards what I owed. I talked to supervisor she said the 2nd quote representative didnt ask me mileage I said you record your alls she said yes I said then listen to it because she did ask me. She said she wasnt changing it. I paid all interest, finance charges, rebate charges. And paid loan early I believe I should be paid full refund. I asked supervisor how did they come up with the amount of {$95.00} because that was my weekly payment.She had no right answer. I kept asking her I pay a loan off a year and half early never late, and all interest finance charges and they try give me a lousy {$95.00}. I said they are crooks.
Product: Debt collection

On or about XXXX XXXX, 2018 I was contacted at work by a rep from Alpha Recovery. Her name is XXXX XXXX. I had asked her not to call me at work. I also found out she had called my parents, my brother and my sister in law. Even though I have blocked her number I can still receive voice mails. When I do not respond is when she calls my place of employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct has XXXX $ balance please delete from my Equifax and XXXX credit reports! You cant collect from a {$0.00} balance
Product: Debt collection

I received a voicemail saying that they had " received documents with a complaint attached, '' and left an account number and a phone number. The voicemail instructed me to call to find out " the nature of the complaint. '' I called and was immediately confronted by a very rude man, he claimed that he was a process server ant that I was being sued in my county of residence. He had actual information about a real debt, my current address, and he read me my social security number. When he identified the debt, I immediately knew he was lying because the debt was from XX/XX/XXXX. The statute of limitations had clearly expired. When I questioned him he immediately cursed at me and hung up the phone. I called the number back repeatedly, but I was hung up on multiple times when I inquired as to the name, address, and nature of the business. They told me that they were a " firm, '' process servers, mediators, and arbitrators. Eventually, the number I had simple routed my phone to a full voice mail box. I was unable to obtain any information about the company. They claimed to be " XXXX XXXX XXXX, '' but a XXXX search revealed no company doing business under that name. They called from a number in XXXX, WA ( XXXX ) XXXX, and left the number ( XXXX ) XXXX. I recorded a number of conversations with them.
Product: Credit card

I am being charged a {$1.00} monthly fee for receiving paper statements. The card is issued from Synchrony and is an XXXX XXXX XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a fraudulent inquiry on my report it says COAF
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX did not do this pulls with these company and I've tried to communicate this with them. XXXX said to do this and I want to add the other XXXX as well. If my account was open in XXXX, why did they do another pull in XXXX
Product: Debt collection

Hi. I filed a complaint against this company with Consumer Financial Protection Bureau back on XX/XX/XXXX and the case ID is XXXX and I said this : Commonwealth Financial Systems is violating FCRA by changing delinquency dates on collections posted on my credit report. Not only that, but they are NOT licensed to collect in the states of Florida. According to the XXXX   XXXX XXXX XXXX XXXX their license has been revoked/voided, on XX/XX/XXXX. All 3 credit bureaus report delinquency dates that are all different on most of the multiple collections on my report. XXXX says XX/XX/XXXX, XXXX XXXX says XX/XX/XXXX/XX/XX/XXXX, and XXXX  XX/XX/XXXX. There are also multiple duplicate collections for the same amount on them as well. recently they tried to add a another collection for {$830.00} with the delinquency date for XX/XX/XXXX, this is a re age of a account already posted for a delinquency year of XX/XX/XXXX. They added this to all 3 credit bureaus also, and I don't owe it, period. I contacted XXXX on XX/XX/XXXX and they removed 6 out of 7 collections over the phone from these fraudsters. They seen that these accounts were suspicious, and claimed that they had several complaints about this company. The only collection they could not remove was the {$830.00} they re aged, this is slated for removal on XX/XX/XXXX.

Today, XX/XX/XXXX I received a notice from XXXX  that I have 2 collections back on my report from this fraud of a collection agency, which was suppose to be taken care of already, and removed last year. If this is not removed from my report, I will file a lawsuit as soon as possible over the matter. I am not playing this game with these people. I will also turn them into the state of Florida for collecting on a revoked license in this state, and also them into the state attorney generals office as well. This better NOT show up on the other 2 credit reporting agencies also.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 WITHOUT MY AUTHORIZATION OR A PERMISSIBLE PURPOSE UNDER THE FCRA XXXX PUBLISHED INFORMATION ON MY CONSUMER REPORT AND IS IN VIOLATION OF THE 15 USC 1681B AS MY ATTACHED LETTER WILL SHOW THE INQUIRY ON MY CONSUMER REPORT AND I DO NOT HAVE AN ACTIVE ACCOUNT WITH XXXX. I HAVE ALSO MAILED OUT THIS EXACT LETTER TO YOUR OFFICES BY USPS CERTIFIED MAIL TRACKING NUMBER XXXX.
Product: Debt collection

I open an account with XXXX XXXX ( furniture ) they changed my payment to sychoney Bank ( speliing may noy be correct ) .This account was open in 2010. Begining balance {$2800.00} 6 month later added {$1800.00} I started paying for the first 2 years {$240.00} a month and some month {$270.00} later dropping to {$180.00} for about 2 years now {$140.00} for the last 8 to 10 months and I have a balance of XXXX. I am being charged double in interest of the amount of the cost of the furniture. I do underI have to pay intrest but to pay double what my purchase was is robbery. Please help me with this in any way you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act The Creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

While looking over my credit report I have 3 collection accounts as follows XXXX. XXXX account number # XXXX XXXX. XXXX XXXX account number # XXXX XXXX. XXXX Credit account number # XXXX I contacted the first XXXX XXXX and they tell me they are only the bank and have nothing to do with reporting to the credit bureaus, even though they are listed on my credit report. They told me to call XXXX XXXX because they are the ones who own all THREE  of these SAME accounts, keep in mind this negative account is reporting 3 times on my credit report, it's all the same account, this is a clear violation. After calling XXXX XXXX they tell me they have no information on this account because it was sold to JTM Capital Management , LLC whom once again are not listed on my credit report. I called this company JTM and they don't answer their phone and DO NOT return my calls/messages. I have written letters to all three credit bureaus as well disputing this account reported 3 times and they did not help either. my goal is to have these 3 eroniuos and violations removed at once, before filing a law suit.
Product: Credit reporting

I am a victim of identity theft when my wallet was stolen. Someone went out and bought a bunch of cars and credit cards in my name and then didnt pay for them and now my credit is messed up. XXXX and XXXX complied and removed the accounts but equifax is not removing the XXXX accounts that are not mine. I have a police report and the vin numbers for some of the cars are on there. I need these accounts removed asap as it is ruining my credit. I have spent several months on this and they are not following the FCRA 605b. The police are investigating the persons they believe did this. Their names are XXXX XXXX and XXXX.
Product: Credit reporting

I have been experiencing issues with possible identity theft so I submitted a written dispute to Transunion asking that they validate the information with several accounts showing that they have the proper person with regard to these accounts and I asked that both the creditor and credit reporting company provide documentation to show that these accounts belong to me. However, neither party produced or notified me of the documentation used to validate the information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Referencing back to ComplaintXXXX TRANSUNION is still failing to reinvestigate for the following accounts XXXX Bank and XXXX XXXX XXXX the amount {$460.00}. I have the right to privacy by law and they do not have my written consent to furnish or report anything outside the permissible purpose. XXXX has removed XXXX Bank from my consumer report on complaint XXXX XXXX XXXX in one of the attachments below due to not having my written consent so I demand TRANSUNION to reinvestigate and remove and block both accounts XXXX BANK AND XXXX FUNDING XXXX I demand for XXXX to comply block and delete XXXX FUNDING because that account came from XXXX BANK that they removed from my consumer report. On XX/XX/2022 I sent XXXX XXXX an affidavit of truth via certified mail of several violations to me as a federally protected consumer and I have yet to receive a response from that. Referencing back to complaint XXXX XXXX XXXX received a cease and desist letter on XX/XX/2022 and should cease all communication including my consumer report which is considered a medium and reporting anything is indirect communication according to the law.