23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT Syndicated Office Systems Address :  XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX  Phone : (  XXXX  )  XXXX  IN RESPONSE :  XXXX  Your company have violated F  CRA 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  XXXX   XXXX  AND  XXXX  AND ANY OTHER ACCOUNT ASSOCIATED WITH THIS I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX  Litigation, Case No.  XXXX , in the  XXXX   XXXX   XXXX  for the  XXXX   XXXX   XXXX  California Syndicated Office Systems Stop collection proceedings against me Signatures on applications and accounts Investigators report  XXXX ,  XXXX   XXXX  SEC #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX
Product: Debt collection

From what I understand, FCRA 605B dictates the exclusion of any inaccurate accounts from my credit report. Could you please take a look at the documents? There appear to be discrepancies in some of the listed accounts, and it's causing me distress.
Product: Debt collection

I purchased a XX/XX/XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I felt with the high interest charges, I wanted a change. So I turn in the car voluntarily. They supposedly sold the car for {$2000.00} and say I still {$8100.00} I say no, this company is a complete ripoff to the consumers. 
Now they have a debt collection Attorney trying to sue me. I got rid of this automobile because mileage and age, furthermore when I purchased it the front end was about to fall off, of which I had repaired, I could have been injured or even killed by this vehicle. I was totally lied to.
Product: Debt collection

Constant harassment trying to Fraudulent report to all three credit bureaus from the company XXXX insurance this is not my debt in the amount of {$230.00} been threatened to be reported if not paid
Product: Mortgage

My mortgage servicer, SLS ( Specialized Loan Servicing ), continually fails to mail adjustment notices for my ARM mortgage. Since they took over the servicing of my loan, I have not received a single adjustment notice without first calling and demanding that they send it.
Product: Prepaid card

Pay pal cut off my debit card without a text or a phone call or permission. 

Leaving me without access to my money, having ordered food. Transferred me several times, dumping me XXXX back out to a call in system, gave me XXXX telephone numbers, stating, " XXXX of these '' should work, and neither of them did. 
Kept me on hold for an hour, As it so happened, I had n't yet updated my address, so Paypal sent a card to my old address. 

Yes I had a dispute with a retailer but noNow, I notified them about a dispute with an XXXX purchase, who resolved the dispute with me. I specifically checked the box which said the card was still in my possession, and at no time was I notified that by filling out that form that my card was going to be cut off. 
I did find that they had sent an " a new card is on the way '' but nothing stating my card was cut off.
Product: Credit reporting or other personal consumer reports

i did not make or authorize any of these XXXX inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One never provided me with my right to opt out of having my personal information shared with third party companies. I feel taken advantage of and I request for them to correct this right away as I never wanted my information shared.
Product: Checking or savings account

Im trying to appeal # XXXX # XXXX I stated to them my card was stolen/lost I have XXXX  so I could easily forget what happen but what I do know happen was my card & pin was use because my PIN IS WRITTEN ON THE BACK OF STICKY NOTE attach to the card. So someone could easily gain access. I also sent them a email.
Product: Credit reporting or other personal consumer reports

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 accounts 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 accounts XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2900.00}
Product: Debt collection

XXXX HAS LISTED THIS FRUADULENT ACCOUNT ON MY CREDIT REPORT WHICH IS NOT MINE THIS IS IDENITY THEIF.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commision ( FTC ). My grievance is directed towards XXXX, XXXX, and Transunion for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Credit card or prepaid card

I had {$97.00} charged on my card from a hotel that I did n't even make reservations for and I called the hotel they told me to leave a voice mail for the maneger and then I got told to call and place a report to the cops and I 'm too scared to do that
Product: Credit reporting, credit repair services, or other personal consumer reports

In these years, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 3 credit card accounts were documented by the Bank of America, as having been opened by me. Before I knew about Identify theft, I tried to fix these debited cards and amounts by making payments. I was never able to pay them off as the interest and fees were accruing faster than I could pay. Some months I paid {$500.00} or {$700.00} towards the balance. The balances got up into the thousands of dollars, not because I used them, authorized the card or owed the money, but because of fees and interest. When I found out about identify theft, I sought to work something out with the bank. They denied my effort and made no remarks about the IT. I tried several times to report, to the bank and the credit reporting companies, when I had the name and information of the person who opened and used my information. One of the indictors was an address in XXXX XXXX, as being listed as mine. I never lived in XXXX XXXX, and with this new information, I was able to provide proof that I did not open, and I never lived in XXXX XXXX. Recently, I was able to get XXXX to agree to Identity theft, and XXXX XXXX and XXXX. However, they would not take the debt off. The Bank of America wrote off, discharged, the debts, totaling over {$20.00} and gave no reason. They sent me and the IRS a Tax Statement document so stating dated tax year XX/XX/XXXX. <P/>Here is the problem I need help with : The debts were discharged, and total amounts provided to the IRS. However the Bank of America, continues to send to the 3 credit reporting companies, all 3 debts as still open, ongoing and continuing to accrue at thousands of dollars. They wrote it off, but continue to leave it on my report as an open and accumulating debt. This reporting by Bank of America continues to ruin my credit, and appears that the debts and cards are still active. <P/>I had a credit card with XXXX, and it was for {$900.00}. When XXXX saw the above issues on my credit report, they lowered my credit to {$250.00}. I am in XXXX XXXX, and use the XXXX card for my books and supplies. XXXX said they will restore my credit card to {$900.00} if I can prove that what is showing on those 3 reports is an error. I have tried to get the 3 companies to look at the charge off documents and told of the IT and gave them all of the particulars, as stated here. They did acknowledge Identity theft, but would not correct the Bank of America charge off. The Bank of America does not recognize its own charge off and has left it on their books as 3 open card  accounts. Can you help me clear this up? Thank you.
Product: Debt collection

Collecting agency Took me to court without validity of the debt, that had been sold three times They have no proof of delivery of products that were purchased with this supposed account, No validation of monies supposedly owed They are harassing me Making me take time from my work
Product: Credit reporting, credit repair services, or other personal consumer reports

It is about a fraudulent charge using my information. I did not open any account with TD bank. I just found this charge when I was applying for a loan last month. So I called TD bank and informed them about this charge under my name in error. I was transferred to the fraud, department, then to their recovery department, then back to credit card services, then they transferred me to XXXX. Each time that TD Bank transfer me it takes about 30 min or more to wait. So I have been spending at least hours to get them and talk to the. TD bank has been reporting me as delinquent since XXXX so I can not get a good interest rate and it is impacting me financially. 

I called them again later part of XXXX and after so many transfers and waiting on the phone, they told me write a complaint and mail it. A copy of which in enclosed. 

I called them again today XXXXand after so many transfers and waiting, I was told call the credit bureaus
Product: Debt collection

Upon checking my credit using XXXX XXXX, I noticed a delinquent account from Nationwide Recovery Services for an amount of {$240.00}. The account information states that it was opened in XXXX of 2021. I check my credit regularly and have never seen this attempted collection on my account before, nor do I know what the charge is for. The original creditor is XXXX XXXX XXXX by XXXX. I did not receive any communication from them in regards to this charge prior to the opening of the XXXX account. 

I contacted Nationwide Recovery Services twice for more information about this account. The first representative was unable to locate the account. They searched their database using my social security number, my first and last name, just my last name, and any addresses that may have been associated with me. None of my information had any accounts associated with it. The second representative was also unable to locate the account. I believe this account has been incorrectly linked to me. Because it's not linked to me, I'm unable to even pay the balance and prevent the delinquent account from appearing on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXXXXXX XXXX XXXXXXXX regarding the handling of my mortgage account during a forbearance government plan I entered into last year, from XXXX to XXXX. 

At the onset of the forbearance period, I was reassured by XXXXXXXX XXXX XXXXXXXX that participating in this program would not have any negative impact on my credit score. Furthermore, I was informed that upon the conclusion of the forbearance period, I would be presented with various options that would similarly not adversely affect my credit. 

To my dismay, I recently discovered that following the forbearance period, during the subsequent step of a loan modification, there exists a trial period during which XXXXXXXX XXXX XXXXXXXX reports the account as late, despite my consistent adherence to the payment plan they instructed me to follow. This revelation came to light two months ago, a staggering seven months after the commencement of this process, when I reviewed my credit report and was appalled to find a late remark attributed to this period. 

This situation has left me profoundly frustrated and disheartened. Maintaining a good credit history has always been a priority for me, and aside from this instance, there are no other adverse factors impacting my creditworthiness. I feel deceived and misled into making a decision that has had an unintended and detrimental effect on my financial standing. I placed my trust in XXXX XXXX  XXXX as a reputable financial institution, believing they would provide me with sound guidance to navigate this challenging period. Regrettably, the current outcome paints a starkly different picture. 

Despite my earnest efforts to rectify this matter, XXXX XXXX  XXXX has been unresponsive, and any correspondence received merely reiterates their stance that the situation unfolded as anticipated. This is in spite of the fact that my account remains in good standing, and I have consistently adhered to the agreed-upon payment schedule. It is disheartening to witness a lack of empathy and assistance from an institution that played an instrumental role in guiding me towards this course of action. 

I am reaching out to your esteemed organization in the hope that you can assist in rectifying this situation and, potentially, implementing safeguards to prevent others from falling victim to a similar circumstance. It is my sincere belief that financial institutions should act in the best interests of their clients, particularly when it pertains to federally mandated programs designed to provide relief during challenging times. 

I humbly request your intervention to help me navigate through this challenging situation and find a resolution that is fair and just. I trust in your commitment to consumer protection and hope that your involvement will lead to a positive outcome. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

There was a data breach of information. My information should not have been released. I was not notified of any debt that was owed.
Product: Credit reporting or other personal consumer reports

I agreed with solar vision and sunlight financial for solar power. XXXX XXXX  installed the panels, but never connected the solar power almost over XXXX years now. Sunlight Financial are reporting on my credit report, and there's a lein on my property. Is either they provide solar power to me, or take the panels off. It is wrong for me to pay for solar power when I am not getting it. Please help me solve this matter.
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts below : Account name : XXXX XXXX XXXX  Account number : XXXX I dont have full account but this number is whats showing on my credit report However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Checking or savings account

On XXXX XXXX I had got a deposit of XXXX dollars from XXXX XXXX and us bank went into my account and deducted with out my consent and lost the funds with no proof as where the funds are they just stole the money out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries found on my credit report that are fraudulent, listed as follows : 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 or other personal consumer reports

I am writing to formally lodge a XXXX concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I have sent out letters to all three bureaus XXXX XXXX and Transunion about inaccurate items reported on my credit report. It is going past 60 days and I still have not received a response from either of the bureaus.I feel like I am being ignored and demand a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have a complaint about this account XXXX XXXX XXXX # XXXX I have never had any contracts or account with this companyI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further, remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
Product: Credit card or prepaid card

In XX/XX/2021 I opened a dispute with my Credit Card Company, Barclays XXXX XXXX Mastercard ( XXXX XXXX  ) regarding an Item I had purchased from XXXX XXXX on XX/XX/2021 that had been sent to me in the wrong size and was returned to XXXXXXXX XXXX  using the label they provided for this mistake on the same day of receipt ( XX/XX/XXXX ). XXXXXXXX XXXXXXXX  did not have any of the item left and told me they would issue me a credit once item was received back. 
XXXXXXXX XXXX did not issue a credit and upon calling them several times, I was told they could not find the return package even though tracking clearly showed it was received at their dock many weeks before. 
Barclays took my dispute but NEVER issued me a provisional credit. By mid XXXX, the Merchant did issue me a credit for the item. 
On XX/XX/2021 I received a letter from Barclays ( dated XX/XX/XXXX ) stating that because the Merchant had credited me and that they HAD ALSO ISSUED ME A PROVISIONAL CREDIT, that they were going to reverse their provisional credit and recharge me {$55.00} for the item.

The problem was Barclays NEVER issued me a provisional credit. 
I called upon receipt of this letter and spoke with XXXX in a NON US location. I asked for a US based supervisor and was told NO ONE was US based. There were roosters going off in the background and her English skills were quite poor. However, she confirmed that I was NEVER issued a Provisional Credit and she told me she would put in a " form '' to escalate the reversal of this bogus charge made by Barclays for {$55.00}. 

It is now 10 days later and no reversal has been made. I called again today, got someone named XXXX with even worse XXXX also Non US based, was told again NO ONE is in the US. I demanded a supervisor and was told that in 5 business days I MAY get a call. 

This is unacceptable! Barclays made an unauthorized charge to my card and will not correct it!
Product: Credit reporting, credit repair services, or other personal consumer reports

defamation of character. 
XXXX said my XXXX  shows a late clearly from XXXX paid on time never late
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because XXXX, has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed were in fact accurate. Being that it has gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. '' that I have disputed inaccurate. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX Alert DetailsAlert Details Score history Alert summaryXXXX XXXX XXXX XXXX Account Information from Equifax. Descriptors for an account listed on your credit report have been updated. Your FICO Score XXXX based on Equifax data is unchanged at XXXX. 
Equifax XXXX XXXX XX/XX/XXXX XX/XX/XXXX Descriptors for an account listed on your credit report have been updated Credit change Company XXXX XXXX XXXXXXXX XXXX Balance {$5000.00} Descriptor 1 CONSUMER DISPUTES AFTER RESOLUTION Descriptor 2 CHARGED OFF ACCOUNT Descriptor XXXX ACCOUNT CLOSED BY XXXX XXXX Account number XXXXXXXX Date Opened XX/XX/XXXX Your score may be affected by additional information in your credit report.