23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My complaint is with XXXX XXXX and debt collection agency located in XXXX Pa. I had an outstanding balance on a credit card with Capital One which was farmed out to XXXX XXXX for collection. I had paid off 2/3 of  the debt and have a balance of {$570.00} that I intend to pay off. I expressed this to an agent whose name is XXXX XXXX. Right away she got aggressive when I said I would take care of it when I had the money which would be around the XXXX of the month. She wanted to set up check/bank arrangements right away or a payoff schedule. I told her three times that I would pay them at the XXXX of the month. In reviewing my telephone call history I have seen XXXX has been calling me very frequently since XX/XX/18. This morning XX/XX/18 Ms XXXX and XXXX XXXX  called me at XXXX XXXX using a spoof telephone ID number from XXXX XXXX. ( XXXX ). When I answered she asked if I was my name without identifying the nature of the call or the identity of her company. I didnt give her any info. End of call. She followed up per my call history 7 minutes  later with XXXX XXXX usual phone number showing correct area code and exchange ( XXXX ). I didnt answer it. 

I have told them repeatedly that I would deal with them on the XXXX of the month. The phone calls since then appear to be an insult and harassment and I think something should be done about it. 

Further the agent read a disclaimer to me that debt they are trying to collect maybe something which Capital One credit card may deem to be old and beyond the statute of limitations. This is bizarre. Why is this being read to me if the debt is possibly not a debt by their own words? 

I feel that while I owe Capital One, this debt collector is becoming abusive with daily phone calls, not representing themselves for who they are, trying to strong arm me into making financial arrangements against my personal checking account after telling them repeatedly I would pay them on the XXXX of the month and calling all hours of the day. I realize they can call between XXXX and XXXX XXXX. They need to be stopped. 

I have recently moved from XXXX where I incurred the debt. I now reside in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX today I contacted US Bank regarding account ending in XXXX, that is still showing up on my credit report. I spoke to someone in card services, who then transferred me to the recovery department who then transferred me to collections, then to fraud, then back to card services, then back to recovery, then fraud, then collections after speaking to 11 different people, a crossed 4 different departments, nobody was able to help me resolve this. I had previously asked for an itemized statement because I believe someone used my account. After speaking to someone in collections, they let me know that the balance was {$120.00} dating back to XXXX. I asked what I needed to do to get this off my credit report. They said they could not take any form of payment due to it being flagged by fraud and theyd transfer me back to the fraud department. I spoke to the fraud department and they said they couldnt take payments and would transfer me back to the recovery department I was then disconnected. 
Then on XX/XX/XXXX I received a phone call from US Bank requesting payment. I told them I would settle for {$120.00} if they agreed to a pay and delete and they agreed so I sent a letter with my check for them. 
On XX/XX/XXXX they cashed my check but it still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XX/XX/2021 Via certified mail with return receipt for them to validate the debt, along with proof of my identification.Till this day they have not removed or validated the debt which means the inaccurate errors need to be removed immediately. I must be compensated for these violations.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, any incorrect accounts should be removed from my credit report. Can you check the documents? The reported amounts and dates for some accounts are incorrect.
Product: Payday loan

I took out a loan with Spotloan.com for {$300.00} I thought that {$50.00} was the payment each month and it turn out that they wanted {$91.00} instead I was upset and I called them and I refuse to pay back {$700.00}. They are now taking me to court and I told them I am willing to pay back the original {$300.00} in payment and they want to take me to court.
Product: Credit card

On XXXX XX/XX/year>, Goldman Sachs attempted to utilize the wrong bank account on file to pay my bill for the month of XXXX. They attempted to charge this wrong account {$2100.00}. This charge was declined. 

I immediately contacted Goldman Sachs and manually paid the amount due, {$2100.00}. This also took place on XXXX XX/XX/year>. 

Nevertheless, Goldman Sachs added a spurious interest charge of {$64.00} on my account. When I asked Goldman Sachs to kindly remove the charge since their system charged the wrong account, they refused. Instead, they offered a {$25.00} " waiver ''. 

I attached proof of this in the form of a screenshot of my Apple Card account.
Product: Mortgage

My mortgage was transferred from XXXX to Essex mortgage a month after I purchased my home. Essex mortgage has the incorrect amount balance as I already paid my first months payment. I have attempted to email and call - no one answers emails or follow up emails and Essexs phone system says that due to their new system they are too busy to accept calls and consumers should call back later. Not only is my balance incorrect and a few cents more than what it originally was listed as, the company wont acknowledge my payments or my contact to attempt to correct the errors in their information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially submitted a previous complaint regarding the same issue ( # XXXX ). I just received a written response from XXXX. The issue is still unresolved and just as troubling my credit report is filled with inaccuracies regarding my personal information. To recap, the merchant XXXX XXXX XXXX 2 reported 2 accounts as delinquent to both XXXX and XXXX in XXXX. Both companies concluded neither account belonged to me. In XXXX, the same merchant again reported the same 2 accounts to both credit reporting agencies. However, while XXXX again concluded neither account was mine, XXXX now says they are mine. In the credit report XXXX sent me, they did not.provide me receipts or any other documentation showing the accounts are mine. They simply stated, " we verified that this item belongs to you. '' But no details were included, not even an address " unknown ''. So I am absolutely stating these accounts are not mine. And after reviewing the personal details of the credit report XXXX sent me, I am 100 % certain I am the victim of identity theft and/or fraud. Here are the reasons why : 1. My name on the report is listed as XXXX XXXX XXXX XXXX ( I have never in my life added any suffix to my name. 

2. The report lists a previous address as XXXX XXXX XXXX, XXXX, TX XXXX. That house is across the street from me. I HAVE NEVER LIVED THERE. My fear is the postboffice may have inadvertently delivered mail to the incorrect address at some point. My now deceased wife was an identity theft victim years ago when our mailbox was breached. 

3. The report also lists a previous address for me as XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I HAVE NEVER LIVED AT THAT LOCATION. 

4. Lastly, the report states both collection accounts were created on the same day with 2 separate account numbers on the same day ( # XXXX & # XXXX ) .How is that possible when I am one person? In addition, I have had excellent medical coverage through my employer for the last 16 years. Due to extensive health issues I met my deductible early in XXXX and certainly would not have had a copay for any medical services especially in XX/XX/XXXX. Nor would I have received any medical services from any provider who did not accept my insurance. 

XXXX had not provided me with ANY documentation or tangible proof that these 2 collection accounts belong to me, other than to say, " we verified this item belongs to you. ''
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts on my credit report. I am a victim of identity theft resulting from a data breach, and the accounts listed below are unauthorized. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these entries from my credit report. 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XXXX - {$0.00} XXXX XXXX  - XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX XXXX XXXX - {$0.00} XXXX XXXX - XXXX - XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$420.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$55.00} XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX {$580.00} XXXX XXXX XXXX - XXXX - XXXX - {$540.00} XXXX XXXX XXXX - XXXX - XXXX XXXX {$550.00} XXXX XXXX XXXX - XXXX - XXXX - {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone added me as an authorized user to a card. I never gave my permission or consent to be added to a card. I am not responsible for this dept and it needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian in the past explaining that some someone has been attempting to open accounts in my name but they told me that I needed to have documentation on file with them before they would be able to help me. I sent the information several times in the past only for them to say they did not get it. I have attached the identity theft report to this complaint in hopes of getting this information removed from my credit report.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Request to Cease Reporting to Consumer Reporting Agencies ( CRA ) Pursuant to 15 U.S. Code 1681b Dear, Midland Credit Management, I am writing to you today to request that, Midland Credit Management XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX immediately cease reporting information about my credit account ( s ) to any consumer reporting agency ( CRA ), including but not limited to XXXX, XXXX, and XXXX, as authorized by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, a CRA may only furnish a consumer report for a permissible purpose, which includes, among other things, for the purpose of evaluating a consumer 's creditworthiness for a loan or other credit transaction. I have not applied for any new credit or other credit transaction with Midland Credit Management XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX, nor have I authorized you to provide information about my credit account ( s ) to any CRA. Therefore, I believe that the continued reporting of information about my credit account ( s ) to CRAs by Midland Credit Management is a violation of the FCRA. I request that you immediately investigate this matter and take the necessary steps to rectify the situation. Please provide me with written confirmation within 30 days of the date of this letter that you have ceased reporting information about my credit account ( s ) to CRAs. Please be advised that if you fail to comply with my request, I will be forced to take further legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or initiating a lawsuit against Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX for damages and other relief. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CLOSE MY COMPLAINT BY SAYING IT WAS A CREDIT REPAIR COMPANY THAT FILE MY COMPLAINT THEY KEEP BREAKING THE LAW THESE ACCOUNTS ARE NOT MY ACCOUNTS AND NEED TO BE REMOVE ASAP BECAUSE MY CREDIT IS A BIG PART OF MY LIFE
Product: Debt collection

I discovered the collections debt on my credit score account. The following are reasons I am making this report. 

1. I did not receive notice from the collection agency about the debt. 
2. It is claimed that I owe a rental agency now known as XXXX XXXX XXXX ( previously XXXX XXXX ). The rental agency claims that I didnt return the keys among other things. This is not true. I dropped it in the rental agencys Dropbox. I wrote the rental agency to that effect. The rental agency never replied. I met a worker at the rental agency. However, the rental agency said they would reply by email and never did. 
3. This is a fraudulent attempt by both rental agency and debt collections company to put me into debt. 
4. I have attached the email to the leasing agency. They didnt reply the email.
Product: Credit reporting or other personal consumer reports

There are inaccurate inquiries on my credit Transunion Credit Report that do not belong there : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Also, please note that my name is listed incorrectly on my Transunion credit report. 
My name should be listed as XXXX XXXX XXXX. 
Please remove the shortened form of my name " XXXX XXXX XXXX '' from the name area and the inquiries that do not belong.
Product: Credit card

Wells Fargo case number : XXXX Account number ending in XXXX ( Previously XXXX ) On XX/XX/2023, I detected a {$2400.00} charge on my credit card statement linked to XXXX. Promptly, I contacted XXXX to question the charge, and they advised me to contact my credit card issuer. Subsequently, I made three separate attempts to report the fraudulent activity to Wells Fargo over the phone, only to have my claims rejected each time. Furthermore, I made four email inquiries to Wells Fargo Credit Fraud, all resulting in denial. The responses provided limited details, asserting that the merchant verified the accuracy of the personal information provided, including my name, phone number, and credit card details. Additionally, they noted that the IP address associated with the transaction matched mine. Despite these explanations, I am steadfast in my belief that this charge is indeed fraudulent. Despite receiving a replacement card after reporting the fraud, Wells Fargo has not provided any additional clarification beyond stating that the information provided to XXXX matches mine. This situation has left me unsure about how to proceed, as I am determined to resolve this erroneous charge on my account. 

Wells Fargo has alleged that they attempted to contact me several times but were unable to reach me. However, this is inaccurate, as I always answer my phone calls. Typically, for significant purchases like this, I would receive a text notification, but I never received one in this instance. 

Furthermore, I never intended to hold an account with Wells Fargo due to its reputation for deceptive practices with customers. Unfortunately, the card I possessed was a Choice Privileges MasterCard, which was acquired by Wells Fargo. Immediately after the transition, I encountered this fraudulent charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer report.700 credit XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got this loan in XX/XX/2019 they lend me XXXX I pay XXXX XXXX monthly. I just called to get pay off and I owe {$2800.00}. I never realized how high the interest is. I called and they said my interest rate is 125 %. Its ridiculous high. I dont think that should even be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware by requesting my consumer reports with XXXX XXXXXXXX XXXX XXXX XXXX XXXX that a checking account with Citi Bank, NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was opened fraudulently under my name on XX/XX/2020 on XX/XX/2020 a veterans check was deposited into this account fraudulently. Upon further review on my behalf the writing on this check isn't my handwriting and has been confirmed by a handwriting expert. Also there were several other inquiries to Citi Bank that were made XX/XX/2020, XX/XX/2020, XX/XX/2020. I am beyond upset that Citi Bank opened a checking account under my name without proper verification, and due to their carelessness and lack of security there was fraudulent activity done on this account that triggered a criminal investigation. I have never applied for an Citi Checking account, and I don't understand why or how this happened. Citi Bank refused to follow protocol and procedures in attempting to alert me of this account that was opened without my knowledge. I find out 2 years later about this account, and was never notified? In the past, I have received letters from XXXX XXXX, and XXXX XXXX XXXXXXXX via XXXX mail alerting me that an account was attempted to be opened under my name, but that it was unsuccessful due to not being able to verify my identity. During these instances, I went to my local XXXX XXXX and XXXX XXXX XXXXXXXX and thanked the branch managers personally for taking care of their banking customer and non-customers security. I honestly dont know what makes Citibank so different from performing standard security procedural protocol to protect their customers and non-customers which is why I seek your assistance with my complaint to come to a resolution regarding this matter. Furthermore, the following phone numbers on these consumer reports XXXX, XXXX, and XXXX have never been associated with me. Also email address of XXXX and XXXX has never been associated with me, and lastly XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX never been associated with me. I will attach a copy of my Drivers License which clearly shows XXXX XXXX XXXX, XXXX  as my correct address.
Product: Student loan

Applied {$4300.00} on XX/XX/XXXX in order to pay off ALL outstanding accrued interest. Only {$2700.00} was applied to the interest, {$1600.00} was applied to the principal. I have attempted to call MOHELA XXXX  times since the payment posted on XX/XX/XXXX. The wait times are ridiculous and when I did manage to get a live person to pick up on XX/XX/XXXX at XXXXXXXX XXXX. they said they could not hear me and HUNG UP. 

I can not get a live representative on the line to attempt to re-apply my onetime payment that is the FULL AMOUNT of my outstanding interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus over 30 days ago and am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud on my account need account removed
Product: Debt collection

ACCOUNT No # XXXX Dear I C SYSTEM INC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
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. 

Account name : XXXX XXXXXXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXXXXXX Account number:XXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : XXXXXXXX XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account 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.