23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notification on my credit report regarding collection debt from Credence Resource Management. It does not indicate the " type '' of debt and it also fails to provide a " reference number ''. I called the above mentioned company and was unsuccessful because I have no way of referencing what is showing on my credit report. 

I have submitted a dispute to XXXX. The reference number for XXXX dispute is XXXX. I would also like to include that I have not received any collection attempts, I have not received any phone calls with collection attempts, I have not received any written communications of ANY collection attempts. 

I would like to be provided with ALL communication that was made to me, copies of ALL statements that were sent, and a copy of the ORIGINAL contract for this debt ( with details of where exactly it was created, that must include name, address, phone and all personal contact information ). In addition, I would like an explanation of how and what method was used to determine that this debt does indeed belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my lifeXXXX XXXX XXXX XXXX XXXX   : XXXX XXXX  : XXXX  Transunion : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX   Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX  : XXXX XXXX  : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX : XXXX XXXX, Unknown XXXX : XXXX.
Product: Credit card or prepaid card

On XX/XX/2023, I closed my secured credit card with CapitalOne. I was informed by the representative who was closing my account that the {$200.00} secured deposit would be applied to my account within a couple of days of the account being closed. Now they are refusing to apply the {$200.00} secured deposit which would pay off the account balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my report that are not mine. Ive sent a dispute and lawsuit is next.
Product: Credit card or prepaid card

On XX/XX/2018, I was victim of fraudulent activity on my account. 
I will take you through what happened, what the process has been, and why I am sending this complaint to you. 
I received a phone call from a Huntington representitive asking if I had made some large purchases at XXXX and XXXX XXXX ( in another state ). I told him no, I do not shop there/live there and did not approve or make those charges. 
He told me he would close my debit card, and that the charges were still pending and would not go through. Later that night, I checked my bank account, and I had {$0.00} in my checking account. More charges had been made and not caught, or my account was never shut down like the rep said on the phone. 

The charges are the following : XXXX XXXX XXXX XXXX XXXX - {$490.00} XXXX XXXX XXXX XXXX XXXX - {$670.00} XXXX XXXX # XXXX XXXX - XXXX None of these purchases were made or approved by me. These purchases drained my checking account entirely, and started drawing money from my savings account. 

From XX/XX/XXXX, to XX/XX/XXXX, I have been calling/chatting online daily with Huntington to try to track progress of this fraudulent activity, and to find out when I could expect my refund. I was initially told 5-10 days. When I called last Thursday ( XX/XX/XXXX ), I was told the money should be in my account on Friday, XX/XX/XXXX. It was never deposited on Friday. So I called again on Friday, and I was told to look out for the refund on Monday, XX/XX/XXXX. When I got in touch with a representitive today ( XX/XX/XXXX ), I was told the case was denied and closed ... that a letter was sent to me explaining the reasonings. 

This is absolutely unacceptable. I have been a loyal customer at Huntington Bank for over 10 years. 

I had to switch over a bunch of money from my savings to my checking to cover my bills and rent. I go on a big vacation in a few days and now I am out {$2500.00} that is rightfully mine and am being refused. I now have serious doubts about your internal research team and their efficiency. 
If they were to really look at my account, they would obviously see I am cautious with my money and have no prior history of randomly spending large amounts, or draining my own checking account, or even overdrawing. 

Huntington has apparently re-opened the case and they are investigating it again. But this could take up to 90 days and I have a feeling nothing is going to change with the case so I am taking every action I can to get my money that I worked very hard for, refunded back to me.
Product: Debt collection

Fraudulent letter sent to me from " Allied International Corp ''  about non-existent debt from XXXX. I have 0 debt to XXXX and never have.
Product: Mortgage

Notices from morgage co XXXX XXXX XXXX Call in twice to set up repayment plan Paper work was requested. 
Person on phone could not make arrangement for repayment plan. 
More information was needed. 

Waiting on paper work To resubmit to lossmitigation @
Product: Mortgage

Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX, CA XXXX www.rushmorelm.com XXXX Mortgage payment for XXXX has not come out XXXX payment was not taken out as an automatic debit from my checking. When I try to contact the company via phone they do not acknowledge there is an account under the mortgage number or social security numbers. Can not contact a live person either. I am assuming that the loan was sold to another company. We have not received any notification regarding this. I need to know what is happening. The mortgage payment is going to be late, do to no fault of my son or mine.
Product: Debt collection

XX/XX/XXXX XXXX XXXX from NCB management Services XXXX repeatedly calls my business and is harassing my staff asking my personal information my birth date and social security number and giving employees information on the debt. He told my employee that he was calling from XXXX  and spoke to her rudely and keeps calling. 

XX/XX/XXXX XXXX XXXX called again harassing my staff today he said he was from Another company and when my employee said your the same guy that called yesterday He lied and said it wasnt him. Never disclosed that he was a debt collector. 
He is nasty and rude to my staff.
Product: Checking or savings account

My claim was denied yet again, they fail to send me a letter why it was denied and Im protected under Regulation E and did not make those purchases yet they say that I did. I need my money back and they are denying all my claims.
Product: Credit card or prepaid card

I called card.com to find out where my money went because I checked my account in the mobile app and apparently someone had stolen my card On XX/XX/XXXX someone went to the XXXX XXXX # XXXX on XXXX XXXX XXXX and used the ATM to make 2 withdrawals from my account in the amounts of {$300.00} and {$400.00}. I didn't authorize these transactions. They filed a dispute and told me that if they hadn't reached a decision by the XX/XX/XXXX that money would be back on a new card they had sent. I kept calling to check on the status of my claim and to ask why I hadn't received my new card. They informed me that I had to upload copies of my driver 's license and address verification and I did so. I waited for a couple days and still hadn't heard from them so I again called back to be informed of the denial to give me my money back and I wanted to know why and I let them know that it's purely a case of them taking my money. I want my money back because I didn't authorize anyone else to use my card. How is it ok for them to just take my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was discharged. Upon checking my credit report, I discovered that Equifax is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing, on the summary page, accounts that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a discharged account. Discharged accounts can NOT be late-ever.
Section 607 of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been discharged in a bankruptcy as " bad debt or late '' if the account was open and not discharged off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so.
NEGATIVE REPORTING ON A DISCHARGED DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. My fico score has been severely damaged due to the credit bureau 's inaccurate reporting. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision that was unavoidable. 

On XXXX XXXX, XXXX, I spoke to XXXX, Equifax rep and XXXX, supervisor, about the violations. XXXX told me that bankruptcy is negative and they will NOT remove the negative listings. Even when I explained that her company was in blatant violation of the FCRA and Bankruptcy Code, she refused to correct the severe damages to my credit report that they caused.
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 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 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 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 ......
Product: Debt collection

I am not liable for this debt with DEPT OF ED/NAVIENT plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Product: Credit card or prepaid card

I had fraud that accrued on my XX/XX/XXXX statement. The amount was {$700.00}. I notified Bank of America fraud department when I received my XXXX statement. I informed them about the charge and told them that the merchant was the same merchant that I had fraud from in XXXX. They assured me that this time the problem would be taken care of and it wouldn't happen again. I assumed that an immediate credit would be issued and an investigation would be performed. I have received no credit and have not received any correspondents in writing from Bank of America saying that anything is being done to resolve this matter. I have called no less than six times over the past three months and talked to customer service to try to resolve this issue. Each time I'm given different reasons as to why this hasn't been resolved. I don't believe anyone at Bank of America knows how to resolve this issue. I have never seen a fraud situation where an immediate credit was not issued, followed by a letter in the mail saying that a fraud claim has been opened. None of that has happened and I'm not sure Bank of America is doing anything about this to resolve this issue. The current amount Bank of America owes me including interest is {$790.00}
Product: Debt collection

I received a letter more than 5 days after the initial communication ( a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the letter did not state that I may request that the debt be validated or verified.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : 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 card or prepaid card

I have contacted capital one reguarding my credit card accounts and asked they not furnish such information to any reporting agency because of my right to privacy. Under 15 usc 6802 I as a consumer am allowed privacy of non public personal informarion. I was never given the proper disclosures and the right to nondisclosure of my information was never explained to begin with. 
Capital one stated its the company policy to not remove the account from reporting till it is paid but i dont see how a policy supersede 's the US CODE? I told capital one the account is inaccurate and incomplete but they said they cant help me. 15 usc 1611 says thats criminal liability. Wilful non compliace.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i had fraudulent accont on my report.please remove this account from my credit report. it hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/2023 - Company Name : XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to [ Name of Company ] or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 
2. The source of the inquiry. 
3. Steps taken to rectify any errors or inaccuracies in my credit report. 
4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the vioilations attached The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 XXXX and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] jpmc : OCC Assesses {$60.00} Million Penalty Against XXXX XXXX, Orders Bank to Reimburse Consumers for Unfair Billing Practices XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} billion penalty from the CFPB and a {$500.00} million penalty from the OCC. no civil violations can count as debt XXXX XXXX : FTC Settlement Imposes {$100000.00} Fine Against Online Retailer for Failing to Post Required EnergyGuide Information for Appliances Agency Files Complaint Seeking {$540000.00} Penalty Against Another Retailer For Similar Violations XXXX XXXX : The FTC also alleges that XXXX XXXX falsely told loan applicants that Investors Have Backed Your Loan while knowing that many of them would never get a loan, a practice that delayed applicants from seeking loans elsewhere. ... The company is charged with violating the FTC Act and the Gramm-Leach-Bliley Act.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the incorrect items in my file that resulted from an alleged fraudulent activity but I still have ITEMS left that needed to be removed. This is my new complaint that I am a victim of inaccurate credit reporting and I write to dispute certain items in my file resulting from the issue. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any items in my credit file that resulted from an erroneous credit report details : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX Balance Owed : {$5500.00} XXXX  XXXX Balance Owed : {$10000.00} -- XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} - Previously Late/Closed XXXX  XXXX Balance Owed : {$10000.00} - Previously Late/Closed XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX -- -- -- -- -- -- -- TransUnion XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed XXXX {$5500.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XX/XX/XXXX. These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy, and the reported payment history on the accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity bank deemed two accounts fraud and sent letters stating they would be removed from my credit. This was on XX/XX/XXXX. Nothing has been done
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. 

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 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 XXXXXX/XX/XXXX 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.