23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX has been predatory sending us false bills and wrong information- I will start back in XX/XX/2022. My husband sent in our cable equipment and cancelled our cable service. XXXX sends a full bill cable/phone/internet for {$390.00} including billing us for 4 DVR cable boxes. I was furious and decided I would handle the matter as my husband has a busy and demanding finance job. We didn't see a cable bill for XXXX or XXXX but they insisted we owed them for XXXX. 

I called them several times and no one helped. We decided at this point after over 12 years of being their customers that we wanted nothing to do with them. After looking into different options we decided we were going to switch our internet service to XXXX for XXXX. 

We called XXXX and had our appointment scheduled so that at the very start of XXXX we would have Internet Service and immediately return our modem and cancel service with XXXX. At this point XXXX offered us several free months of service and a rate less than what we were paying XXXX. I explained we had a contract with XXXX and they explained we had a certain amount of time to cancel the contract. After the headaches we went through with XXXX I decided to not accept their offer and just move on. 

In XXXX XXXX sent my husband a bill for {$210.00} for a billing cycle XXXX for Internet when I had CANCELLED. That was it for me. I decided to look back at what was claimed to be owed and what we had paid. 

I have the receipts still with my husbands name proving he returned the cable equipment so that we would not be billed in XXXX. I also kept the receipts showing I returned the modem at the start of XXXX. I finally complained to corporate and cc : XXXX the FCC. Of course then I heard from them. Corporate was going to do an " investigation '' XXXX in their investigation claimed that I " ME '' sent back the cable equipment when I still have the receipt from XXXX showing it was my HUSBAND. Also, we no longer owe {$210.00} but now {$45.00}. Meanwhile I had looked back at all the receipts/paid service etc and they owe us {$170.00}. We over-paid!!!! 

28 days after XXXX XXXX XXXX investigation '' we received a letter of notice of intent to collect by the Collection Bureau of the Hudson Valley XXXX I reached out to them, XXXX and the FCC with all of my receipts and evidence supporting that XXXX actually owes us. 

After YEARS of paying close to $ XXXX for service by XXXX and declining a service with them for less than what I am paying XXXX I would not make a big deal out of {$45.00} except that is unethical to just go and bill and send to collections whatever you feel like. Not to mention my husband is in finance and sending him to collections can hurt his credit score and any potential job offers. 

I have since sent a detailed description of what transpired and CC : XXXX XXXX, XXXX XXXX of the Hudson Valley and the FCC on this matter. 

The form says do not include personal information but if you want the receipts or emails I would be more than happy to provide this to you. I have all the PROOF!!
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

I ordered a couch back in XXXX and I was paying it off they told me before how much was left now its as if in XXXX they are still trying to over charge me and Im not understanding
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information present on my consumer report, which all three major XXXX XXXX XXXX have refused to update. Despite providing my name and current address, they persist in displaying incorrect aliases and addresses on my credit report. 

The existence of this inaccurate information on my credit report constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681 and its subsections. These inaccuracies have inflicted severe financial harm upon me and have adversely affected my ability to secure loans and credit on equitable terms, as creditors are questioning my identity. 

The conundrum I face is how to establish my identity when they are presenting multiple names and addresses associated with me. This situation is manifestly unjust. I have engaged in extensive correspondence with them, providing legal documents such as my driver 's license and proof of address, yet they persist in refusing to update my information.
Product: Credit card or prepaid card

American Express sent my card to an old address, therefore it was returned to them. Around the same time, I had changed bank accounts and forgot to switch over funds to the bank account before the payment was pulled. The payment was attempted twice, then returned. I then got a notification that the account was closed. And despite my excellent payment history, and explanation to multiple customer service agents, they still refused to reactivate my account due to my FICO score, which should not have even been pulled again in the first place since I had already been approved, and had the card for a year.
Product: Credit reporting or other personal consumer reports

I have a late payment on my credit report that is inaccurate I sent letters out to the credit bureaus concerning this inaccurate information. They refuse to update the late payment. The only late payment is showing on experain the other XXXX  and XXXX  does not report the payment late. 

XXXX XXXX XXXX reported on { XX/XX/XXXX XXXX } your company furnished a transaction as Late to Experian. 

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer I need this transaction or experience deleted from my consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a situation with a creditor who I believe is illegally re-aging a debt. The debt was originally with XXXX XXXX XXXX XXXX, then was sold to XXXX XXXX XXXX. I'm not sure of the date that it originally went to collections, but it may have been as early as XX/XX/XXXX. I have never made any payments or promises to pay, but it was removed from my XXXX   and Equifax credit reports, then put back on with a new account opened date of XX/XX/XXXX. I don't want the statute of limitations to start over, so could you help me correct this? Any help would be much appreciated. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my self and daughter have requested numerous times to have a freeze placed on our consumer credit files.

We have certified acknowledgement that both XXXX and XXXX XXXX have received our requests. As of today, we still have people searching our credit without authorization to do so and false claims on our credit. With the breach of XXXX and our mail stolen ( with Police report ) we have requested with the 3 credit reporting agencies to put fraud alerts as well.

My daughters credit report was obtained by a mortgage office ; however, we expected to be able to release the check for 24 hours to allow them to pull report. There is NO FREEZE on these accounts.

If we don't receive the cooperation, we will file a small claims court action to protect our rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX acct # XXXX opened XX/XX/XXXX XXXX {$1200.00} -- - account number is incomplete and is not my account XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX Balance {$1700.00} -- - account number is incomplete and is not my account it has been over 7 years that it has been reported navy fcu acct # XXXX opened XX/XX/XXXX Balance {$16000.00} -- account number is incomplete 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$230.00} this is not mines, XXXX # XXXX {$1000.00} never heard of this account, XXXX # XXXX this not mines {$2500.00}, XXXX XXXX XXXX # XXXX {$320.00} this not my acoount, XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX not my account, XXXX XXXX XXXX # XXXX {$410.00} not my account, XXXX # XXXX XXXX XXXX {$210.00} not my account, XXXX XXXX XXXX # XXXX XXXX not my aaccount .Someone stole my identity and used my name
Product: Debt collection

In XX/XX/XXXX I was contacted by XXXX at Medical Data Systems ( XXXX ) regarding a balance from XXXX XXXX XXXX XXXX. I asked for a validation letter which he told me was mailed to me. I stated I did not receive it or anything regarding this balance from the hospital nor the collection agency. He lied to me stating the company he works for ( Medical Data Systems ) works WITH the hospital like outsourced billing and that they handle their billing. I requested the debt be verified as it should be, by law with a written letter. He stated they can not do that as they are legally obligated to send one and that if I didnt get it he didnt know what to do. I have been making {$25.00} payments a month since then. Now I have realized I believe this is an illegal practice as he used lies and fear to obligate me to make payments. When I called today, XX/XX/XXXX I was informed that the call is recorded as it is an attempt to collect a debt and that the balance remaining is {$2100.00}. I asked the customer service representative to please mail me a letter or statement to verify the debt, she says if you want it verified I mean just call your insurance for an EOB. 

This company never sent me a letter validating the debt is mine and clearly lied to me regarding what their company does.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account number has violated my rights. 15 U.S.C 1681 Section 602 a period states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Subsection 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I demand the removal of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the removal of this incorrect information : XXXX XXXX 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. I demand the removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following account has violated my rights. 
XXXX XXXX  account # XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a Loan account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX with a balance of {$820.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

dispute an account reported by- LVNV FUNDING LLC {$1500.00} on my XXXX  credit report. I am not liable for this debt and have no contractual agreement with XXXX XXXX XXXX. This account is inaccurate and should be removed from my credit report immediately.Under the Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681i ( a ) ), you are required to investigate and correct any inaccuracies within XXXX days. Additionally, 18 U.S.C. 8 defines obligations and fraudulent activities involving financial documents, which may  apply to this erroneous account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 at approximately XXXX XXXX there was a fraudulent transaction to an individual presuming to be XXXX XXXX, a XXXX XXXX at phone numbers XXXX His partner in crime was a person presuming to be an attorney, XXXX XXXX at XXXX of the XXXX XXXX XXXX XXXX. The scammed {$1500.00} from my XXXX account. 

The transaction confirmation was # XXXX The payment ID was : XXXX They were using the tactic that my brother was in a motor vehicle accident and hit a pregnant women who was XXXX XXXX XXXX XXXX XXXX XXXX. The money was needed for bail. I tried contacting my sister-in-law before the transaction went through. 

The scammers asked for screen shots of the payment that I still have on my phone. 

Coincidentally, my brother just happened to call me right after the transaction was processed so I knew it was fraud. I tried to have the money recalled. I created an online fraud dispute with Citizens Bank XXXX, XXXX I have file an FBI fraud case as well, FTC Report XXXX # XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # : XXXX I have received small claims court papers inside my mailbox ( where the process server placed them ) demanding payment for an account/credit card i do not own nor opened. I have never owned a XXXX XXXX account and this alleged debt does not belong to me, this account was opened fraudulently, without my knowledge or consent and this is now the second notification that I formally dispute this claim/debt and seek verification. Pursuant to local state laws as well as the FDCP and FCRA. 

As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX. What is your authorization of law for your collection of information? 
XXXX. What is your authorization of law for your collection of this alleged debt? 
XXXX. Please evidence your authorization to do business or operate in this state. 
XXXX. Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ; drops my credit all the time, but he always offers me loans and credit cards ; XXXX recommended paying the loans and opening a XXXX balance complaint ; but they destroy my credit it's lower than ever, and I've never been late on payments or filed for bankruptcy, they said my credit is low because I have personal loans, there were only XXXX, and XXXX credit card, a very small amount, I paid those loans with effort more than 30 days ago ; Now they say that my credit has gone down more because I closed the accounts, I did not close the accounts, I reported XXXX balances, they told me to do it, that's how I do it, I request to update ; my credit I have XXXX open credit card and XXXX store credit card because I don't need more for now ; all the payments I made was because I am refinancing my house and I needed some more urgent points, but it did not help me, it hurt me ; that was the only reason I paid the personal loans in advance and when they are paid they close automatically. 
They reported inquiries from companies all the time I never request any from them. 
I need you to help me to be fair with my record ; I do not owe much, on my house and my vehicle loan.
Product: Checking or savings account

I can't provide dates, but probably the bank can. I contacted them at least six times over the past eighteen months to complain that their new security system was not functioning for me since they installed the new protocol. Sometimes they got back to me when I left a message, sometimes not. When I spoke with IT, I asked whether someone might be hacking my account or whether their system was merely dysfunctional. They said no one was, to their knowledge, hacking my account. They said they would work on the problem. Sometimes it was solved. At least on one occasion, it was not. Three to four months later I called in again, etc. Sometimes it was solved within a few days, sometimes not for two weeks. It's been completely erratic with them. 

In the last week of XXXX I was able to access my account, but the next day the same issue arose. A couple days later it worked again. Then again, a day or so later, I could not access the account. As of today, I still can not access my account. 

The USAA customer service phone line has for a month XXXX or more ) had a phone queue of 55-90 minutes during business hours. Rarely can I devote that much time to waiting for someone to pick up the phone. Last night ( this morning at XXXX XXXX  PST ) I got them after a four minute wait. Their wait time about four months ago was between 2-10 minutes. Now, I don't even bother asking them to fix the security issue. They can't do it reliably. I just use their customer banking service instead. But being unable to use the computer, which has greater facilities than their phone app, has become intolerable - I have had it. Please investigate their banking security system and customer service phone queue practices, which are certainly far, far below " best. '' Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, Credit Reporting Company, asking them to verify ( with an original signed contract ). I sent this request via mail on XX/XX/2022. XXXX sent me a letter stating the debt was verified ; But failed to send me a contract as proof. I also reached out to the Collection Agency for verification ; And they never provided anything. Therefore I sent another Letter to XXXX enclosing copies documents sent to the collection agency asking for evidence. The 2nd letter was sent ceritifed mail with a return reciept. XXXX signed and recieved my letter XX/XX/2022. The FCRA requires you to verify the validity of an item within 30 days of request. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here. I informed XXXX that I contacted the Debt Colection agency for validation ; And the Debt Collection has not validated the debt either. It has been 60 days with no response from XXXX. This needs to be removed from my credit. I've also sent Letters to XXXX and Transunion without a initial response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting wrong address and wrong information on the credit reports
Product: Mortgage

I am in the process of applying for a new mortgage. During the process, we discovered that Ditech applied my XXXX twice and then re-allocated the payment. The underwriter for the new mortgage is requiring a letter that explains what happened. 

I spoke with XXXX at Ditech yesterday. Initially, she told me it would take 10 days to receive a letter. Then, she said if I requested it via email it would take 30 days. 

I told her that neither of those options was acceptable. She told me that she couldn't do anything else. I insisted on speaking to a supervisor. XXXX came back on the line and said that the supervisor would prepare the letter and send it to me today via email. 

It is now XXXX and they have not sent the letter. 

This is delaying my mortgage application. I'm also concerned that they did not notify me back in XXXX when this error occurred.