23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2017 i sent contract callers inc a letter disputing the debt that they are reporting on my credit file, they never responded to my request, i than sent another letter on XX/XX/XXXX and  received a response from the collection agency yesterday stating that the debt has been validated with a copy of a recent bill. In my original letter i asked the agency to provide proof of verification which should include a signature and any original documentation required under section 609 ( a ) ( a ) ( A ) & Section 611 ( a ) ( a ) ( A ) ( consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA which states " you are required to promptly delete all information which can not be verified '' i contacted contact callers today via telephone and spoke with a rep and asked her to provide me verifiable proof that this debt belongs to me and she was unable to do so.
Product: Credit card or prepaid card

I had ordered items from a dog pet boutique however I never received any of the merchandise, XXXX had confirmed it was delivered to the wrong address and had issued the merchant a credit for the lost items, however after pleading with the merchant to refund me I was denied .So I immediately contacted my credit card to dispute the charges and was given a temporary credit on my account however the merchant challenged the dispute and sent documentation to my bank the the items were delivered when they were delivered to the wrong address and my bank is refusing to refund me even though I printed out the confirmation from XXXX which shows they issued the merchant a claim for the lost package and refuses to work with me in getting my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an Incorrect Account which is : XXXX XXXX XXXX CO XXXX Date opened XX/XX/XXXX Balance {$37000.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this XXXX Late payment XX/XX/XXXX 30 days late will be removed.
Product: Checking or savings account

I was at XXXX XXXX XXXX in XXXX, Ga for my nephews birthday. I used my card at the counter to purchase a play card. My Chime app would not allow me to log-in account so I could turn back off my debit card ( I always have it turned off when Im not using it ) .I was not able to log in, due to Chime app saying they were experiencing issues. I tried to log-in approximately 5 minutes later, which was successful. I logged in to find that my money from my Chime secured card, and my savings had been transferred to my checking account. From my checking account {$300.00} was then transferred to someone who I do not know. This all happened within 4 minutes of swiping my card at the counter of the XXXX XXXX XXXX. The transaction states it was sent to a user on the chime app with the username XXXX, for dinner. I NEVER authorize anyone to use my Chime account, I do not give out my passwords, etc. I am a victim of theft. Not only am I a victim of theft I believe that the Chime bank has been hacked this entire weekend. They keep stating they are experiencing issues and not allowing me to login to my accounts appropriately. I have requested new account numbers, etc., which they have not provided me with. I believe that Chime is also responsible for not properly providing security protection for consumers like me.
Product: Debt collection

They are repeatedly calling me about something I have no clue about and I dont owe anyone anything. Now they better stop calling me and nothing is on my public record. First off my old last name does not apply to me anymore and I dont have no case file or anything with md regarding them. They called from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I submitted a letter to settle by deleting unverified information off my report. Experian, sent me a letter stating they will not follow government law to do so. I am attaching the letter to this complaint along with 4 months worth of letters sent to settle the issue. They wrote I needed to be specific and all my letters stated I want experian to follow the law by verifying the information on my report that I have concerns with. That is very specific. If they are not able to verify they are required to delete, in which the statute of verifying with Proof has expired. I have been sending my verification and they are asking for it in the letter. Experian is ignoring the fact that there are laws that give me the right to ask them to verify any account on my credit report, which would keep creditors honest and reporting agencies on board of reporting things they suppose to report.
Product: Credit reporting or other personal consumer reports

Im deeply concerned about the unauthorized inquiries that showed up on my credit report this morning, without any apparent reason. I check my report regularly, but this time, unexpected discrepancies were there. I tried refreshing the page, thinking it might be a browser issue, but the inquiries remained. Im asking that the documents Ive sent be thoroughly examined so I can have peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM IN DIRECT VIOLATION OF MY CONSUMER RIGHTS ACCORDING TO 15 US 1681 INACCURATE ITEMS SHOULD BE REMOVED FROM MY CREDIT FILE RIGHT AWAY AND XXXX, EQUIFAX AND XXXX HAS VIOLATED THOSE RIGHT. I AM RREQUESTING ALL OF THESE ITEMS IN MY AFFIDAVIT BE REMOVED WITHIN 15 DAYS.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have a police report o file for identity theft and this Bureau continue to send verified results to me and is still allowing the accounts to remain on my credit report. I need a human to investigate and remove the accounts the correct and fair way and not a computer system. 

15 U.S. Code 1681i ( a ) - ( 5 ) ( a ) ( i ) Treatment of inaccurate or unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 15 USC 1681C-2 : I pulled my credit report recently, to find numerous fraudulent accounts on my report. Inquires not made by me. I have contacted each alleged creditor, collection agency etc & have been told that my information was verified, however they were unable to provide me with documentation on when the accounts were opened, where they were opened and contact info given. I have filed a report with the FTC for identity theft and this is my next step as i can not get resolutions from the creditors or collection agencies. Please see the attached report. The dates below are based off of information from my credit report, i do not know when the accounts were ACTUALLY obtained/applied for. I am only given this as the creditors will not give me information. 
The credit bureaus ( Experian, XXXX XXXX XXXX ) have been unresponsive and declined to resolve disputed information directly through them. Please note, not all information listed below is on the FTC report as I am limited to the amount of characters on the report. 

Personal Information Names : XXXX XXXX XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX FL XXXX Phone numbers : XXXX Employment Information : XXXX dozens of fraudulent accounts that have been opened, names that i have never been/been associated with and addresses I have never lived at Never lived at XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Never lived at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Here are the accounts opened fraudulently : XXXX XXXX XXXX  XXXX {$8600.00} XXXX XXXX XXXX {$730.00} XXXX XXXX {$550.00} XXXX XXXXl- XXXX {$4500.00} XXXX XXXX XXXX {$4500.00} XXXX XXXX- XXXX {$390.00} XXXX XXXX- XXXX {$1200.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$600.00} CXXXX- XXXX {$500.00} XXXX XXXX- XXXX {$730.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$770.00} XXXX XXXX Account Number : last XXXX XXXX {$4500.00} XXXX XXXX Account Number : last XXXX XXXX {$300.00} XXXX XXXX Account Number : last XXXX XXXX {$1200.00} XXXX XXXX XXXX Account Number : last XXXX XXXX {$470.00} XXXX Account Number : last XXXX XXXX {$0.00} ( did not open ) XXXX- XXXX $ XXXX I have informed this company that the account was not opened by me MULTIPLE times and they still attempt to contact me. Last communication on XX/XX/23 XXXX Credit 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 XXXX XXXX XXXX ( multiple inquires by this company ), 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 at XXXX I received a call from the number XXXX and a male who identified himself as XXXX XXXX stated that he was from " location services '' and was looking to locate me. He knew my name and address. He gave me a phone number and case number for company named " XXXX XXXX '' He would not give me an address or any other identifying information. I was directed to call XXXX XXXX to " find out what's going on ''. He was cordial and straight forward during that phone call. I was unable to call the company at the time as I was working, and " XXXX '' called my phone 4 more times between XXXX and XXXX XXXX. I answered the final call, and he answered with " What's going on, What do you think you are doing? '' this is paraphrased as my memory is not perfect. I explained that I would not be making any transactions without written documentation, and would call the company when I was finished working. He was not polite during this phone call, and angrily stated that he had given me a chance, and would be on his way to " serve me documents ''. I told him " fine '', and he then stated " Good luck in court! '' and there was the sound of a phone slamming down. 

I did call the company identified as a XXXX XXXX but was a little flustered, and do not recall who I spoke to there. The number I called was XXXX and a female answered the phone. She knew my name and social security number. She stated that they had hired a location company to find me, and that my case was in " mediation ''. I informed her of the interaction with the man who was in contact with me. I informed her that there would be no exchange of money or transactions without written proof of this debt, and their right to collect on it. She stated the name of the original creditor, and stated that it had gone to a different collection agency, and then was sent to them for collection. She claimed that there were charges against me, and wanted to know if I would voluntarily " take care of this today. '' I again stated that I would not be making any agreements until I was sent written documentation of their ability to collect the debt. She again explained that I would get that with this " documentation that this man would be delivering '', but then it would be too late, and I would need to go to court. I again refused to give any financial information, and requested information to be sent out via mail. She then also said " Good luck in court. '' and there was another sound of slamming down the phone. 

This is the second time I have experienced this, although I fell for the first one, and paid them because I was uninformed. I have heard many stories like this since. I am still not convinced that someone will not show up at my house. I don't know whether or not the debt is valid because I was refused documentation. I do however, know how lawsuits for debt generally work, and they don't happen in the way that this went down.
Product: Mortgage

I am writing to formally request a refund for the excessive lender-placed XXXX  and XXXX XXXX that Newrez LLC , as the mortgage servicer for my loan, has charged to my account over XXXXXXXX XXXX XXXX XXXX Specifically, I was charged {$XXXX} for one month of coveragean amount that is typically the annual cost for such insurance. 

Newrez claims that this action was taken due to my failure to secure my own coverage, but the practice is both unfair and deceptive. At no point was I provided with a clear, informed option to purchase my own, more affordable insurance. Instead, I was forced into a higher-cost solution without my consent, which is manipulative and misleading. 

The amount charged equals one full month of my regular mortgage payments, which is unsustainable given that I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

I received notification from a credit monitoring company that Allied Collection Service place my under collections for {$200.00} from XXXX. I immediately sent out a request for validation on XXXX by certified mail. 

I have never received information verifying this account. I also requested that XXXX due its due diligence according to federal law XXXX ( XXXX ) ( XXXX ) ( XXXX ) and Section XXXX ( XXXX ) ( XXXX ) ( XXXX ). 

I requested to promptly delete information that could not be verified.
Product: Mortgage

Regions Mortgage - Loan Account : XXXX We paid our mortgage loan completely on XX/XX/19. I contacted Regions Mortgage the same day to make sure the auto withdrawal was stopped. I have emails from Regions Mortgage that the withdrawal was stopped. This morning XX/XX/19 they have secured funds from our XXXX  XXXX XXXX account and are proceeding to withdraw funds for a mortgage payment that no longer exists. 

I complained about the process and spoke to someone about this issue. I have confirmation the loan is paid. I have confirmation from Regions the withdrawal was stopped on XX/XX/19. 

I have attached their website page showing our loan detail. You can see the principal balance is XXXX. Amount due is XXXX, yet they have secured funds from our bank to pay a mortgage with XXXX  balance. 

Please assist.
Product: Debt collection

The company contacted my current landlord to discuss the account with him. I moved into this house this month so I am not sure how this company even got his number but I feel like my privacy has been violated and compromised,
Product: Checking or savings account

I was charged an overdraft fee even though the transactions didnt get paid. 
One on XX/XX/2019. 
One on XX/XX/2019 XXXX each for a total of {$70.00}.
Product: Consumer Loan

I have never had a late payment and Wells Fargo is showing multiple late payments. As well, they are not reflecting the correct balance of my loan. I have asked multiple times customer service to correct this information and they have done nothing.
Product: Debt collection

This company just placed a derogatory account on my credit report for a collection account t that I never received previous notification or the opportunity to dispute or request validation. No letters, no phone calls or anything that would satisfy the legal requirement to notify. I have no idea what this in regards to, and would have certainly reached out to rectify the issue had I been informed as required and found that it was a valid collection account. I am currently in the mortgage application approval process, and this collection agency put this on my credit report with no notification or warning whatsoever which is putting my loan in serious jeopardy. This is absolutely a violation of the fair credit reporting act/fair debt collection practices and I need this company to contact me as required to by federal law in regards to this account. As I said, had I had any knowledge of this it would have been addressed a long time ago before being placed on my credit report at the absolute worst possible time.
Product: Debt collection

An agent ( debt collector ) for American Express took money f {$580.00} XXXX from my checking account after I called him and canceled an a tentative agreement we had made. We agreed that I will call him on XX/XX/XXXX before XXXX XXXX  to accept the terms of of an agreement. On said date I called and canceled the agreement because the funds I was expecting did not arrive. The agent refused to cancel the agreement and went ahead and deposited the purported agreed upon amount which caused an overdraft in my account and resulted in an overdraft fee of {$35.00}.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX via certified mail with return receipt requested asking them to validate the debt and cease and desist. They responded within 30 days providing the original creditor and amount of the debt. They did not return any information containing my original signature, ID, verification that they are licensed to collect debt in my state, and/or statute of limitations on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a complaint with CFPB for identity theft with all three credit bureaus. ( see attachment ) and then sent a handwritten dispute on XX/XX/2022 to all three credit bureaus stating the same. After their investigation, Transunion deleted XXXX XXXX ( account number XXXX ) however, XXXX and XXXX elected to leave it on my credit file. ( PLEASE DELETE THE ACCOUNT ) They stated that it was verified as accurate. How did XXXX and XXXX verify the account as accurate? First and foremost I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Secondly, if all three bureaus did their due diligence in investigating the dispute they would have deleted all the accounts in question. TranUnion stated that XXXX XXXX XXXX ( account number XXXX amount {$6500.00} ), ( account number XXXX amount {$1700.00} ), and ( account number XXXX amount {$250.00} ) were verified as accurate. How so when the date of the last payment doesn't match with XXXX 's reports ( see attachment ) whom also stated the accounts were accurate and verified. The Information reporting has to be 100 % accurate. So if an investigation was completed then all credit bureaus should be reporting the same information but they are not! After XXXX 's investigation, they stated that the accounts XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were verified as accurate and modified. If the investigation took place why are there discrepancies in my credit file? XXXX has also reported that payments were made in the last 3 months on the charged-off accounts. ( SEE ATTACHMENTS ) This is unacceptable. All three bureaus are in violation of my consumer rights and I just wish they'd do what's fair and equitable to me as the consumer by deleting the items. It's their obligation to make sure that the information reporting is accurate and relevant and they've failed to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX You consumer reporting agency are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. these inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii the information is, in fact, inaccurate. Duty a moral or legal obligation ; a responsibility Accurate correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. I The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate By Definition The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is inaccurate. 15 USC 1681 5-2 Says you consumer reporting agency are a furnisher of information. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 5-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reperting agensy, if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. 15 U.S. Code 5 1681s-2 ( ) DUTY oF FURNISHERS OF INFORMATION TO PROVIDE ACCURAIE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer repertina the person has been notified by the consumer, at the address specified by the person, for such netices, that specific information is inaccurate ; and ( 8 Informatien is , in tact, Iaccurate. in conclusion I have shown you and you have been put en notice that you are reperting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate infoemation is a clear violation of the Law 15 USC 1681 9-2 of your respordibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.