23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Repeated calls, voicemails, and emails for past due account. Spoke with customer service rep XX/XX/19. Initial statement from rep was that my account is in pre claims and asked if I was still using my bank account ending in # # # # so that he could deduct the funds. There were no other options offered at that time, this is highly intimidating. I informed rep of my current status at work/lost overtime/hours and that there were no funds available to deduct. I then informed the rep that got paid on Thursday, XX/XX/XXXX and would take care of what I could. Made payment on XX/XX/XXXX in the amount of {$140.00}. Received two consecutive phone calls Saturday XX/XX/XXXX at XXXX and XXXX, with an immediate follow up email at XXXX. 
Received phone call on XX/XX/XXXX at XXXX with voicemail informing me that my payment on XX/XX/XXXX wasnt the agreed amount ( there was no agreed amount ) and that my credit will be impacted. I then received an email on XX/XX/XXXX at XXXX titled second attempt. As of today I have received four phone calls, one voicemail, and two emails In the span of 7 business days. This amount of repeated contact is harassment. I have contacted RISLA previously via email requesting that they do not contact me in this manner and requested that they stop harassing me while Im struggling to get my account paid up. One phonecall should be sufficient, especially when I have made documented recent payments. They have not complied with my requests to cease harassment. Emails/supporting documents are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts and inquiries from my credit report immediately :
Product: Credit reporting or other personal consumer reports

This notice is to inform you theirs been unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that TransUnion, XXXX, XXXX did not verify as required by law on my consumer report. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquiries : Expect as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person record or inquiries in connection with credit or insurance transaction that is not initiated by a consumer. The following Potentially Negative are result of identity theft are : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. DELETE immediately! I tried to have all three Credit agencies to delete these erroneous accounts but was refused and told that they were Verified and Accurate. This a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account starting with # 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: Credit reporting or other personal consumer reports

I am at a loss of words. My credit reputation is being tarnished by these errors on my credit report which are misreported. XXXX is reporting these records in violation of the FCRA. Each of these accounts is in violation of the FCRA per reason stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove some items that are UNKNOWN to me. 
these items are erroneous and misleading and must be investigated again. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$3500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6100.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX : {$7700.00} XXXX XXXX Balance : {$1900.00} MEDICAL XXXX Balance : {$150.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXXXXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$310.00} INQUIRIES : XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was contacted by XXXX XXXX XXXX on XXXX XXXX, XXXX, about a medical bill from a company called XXXX, in the amount of {$3600.00}. I immediately contacted the sender by phone and disputed the claim its entirety, as I had never even heard of the provider, XXXX. I also stated at that time that I had never received any treatment or entered into any contact from the provider. I was told they would send copies of the bill, but nothing ever came. 

The matter was then sent to a collection attorney, XXXX XXXX of Burton Neil & Associates, and on XXXX XXXX, XXXX, I received a letter and again disputed the claim, in its entirety, in writing and requested proof of the claim, as well as any and all copies of agreement and invoices for services rendered. I received no response. 

Instead I then received a demand letter from attorney, XXXX XXXX of Burton Neil & Associates. After receiving said demand letter, I again disputed the claim in writing, indicating that I never had any agreement nor received any services from their client. I again also requested proof in the form of any agreements, authorizations to provide services, signed agreements to pay or bill, as well as itemized statements of services rendered and records of care. They sent none of the requested information. 

Instead of providing any proof of their claim whatsoever, the office of Burton Neil & Associates filed a complaint against me in the XXXX Court XXXX, in which they specifically stated that they had an " Agreement '' in said complaint, when in fact, they knew full well that no such " Agreement '' existed. In fact, to this day, they still have never answered any of my several written requests for proof, have never sent me copies of agreements, copies of invoices, nor any itemized statements of services rendered. I have never hired their client to perform any healthcare for me at any time. 

I am preparing to defend myself in Court against this firm, which I believe is using the Court system as a blatant strong arm collection tactic, when in fact, they know full well that they have no proof of any claim whatsoever. I have found many incidents of this firm doing the very same thing to others, who are laymen when it comes to legal issues. They file unsubstantiated claims in court and then move for a default judgment and attach wages, when the defendants never owed any money to begin with. 

I will not be another victim of this shady law firm and their abuse of the court system. I respectfully request that this matter be investigated so that this firm is exposed for the constant unlawful collection tactics that they continue to exercise.
Product: Credit reporting or other personal consumer reports

I have Public Records bankruptcy XXXX reporting on my Experian Credit Report.This report listed on my credit report is incorrect. I asked for validation from Experian and was told by customer service representative that the information is correct. This XXXX  XXXX bankruptcy was filed XXXX. I presented information to Experian and was told the Company that investigated bankruptcy stated it was valid. I asked what company verified it & send me proof of verification & method used. He then stated it was verified through the Bankruptcy Court which is false I contacted bankruptcy court and they stated they dont share any information with any credit bureau or any third party agencies.I shared that with Customer Service Agent then he stated it was verified through XXXX XXXX. I spoke with XXXX XXXX over the phone & I currently have an unresolved dispute with them as well. But they assured me that they didnt share any information with the 3 major credit bureaus. I shared this with agent. I requested verification once again and method used. I then asked to speak with Supervisor and agent constantly refused my request so after going back and forth I hung up.
Product: Mortgage

My loan got sold from XXXX XXXX to Rushmore loan Management which is a collection agents. I never miss or was late on a payment ever of any kind. When contacted company for first time I asked when I make payments more than what's do will they go to principal they said sure and I did not have to call it would be auto. I started making double payments per month and checked a couple a months later to find out they where applied to future payment as if they were being paid on time the month they were due. So I didn't have a payment due for three month, so when I waited for the next due date cause they would not answer by calls or e-mails to them. The next on time payment was applied all to interest no principal so my wife and me with XXXX credit score went shopping and changing to XXXX XXXX  for lower rate and better service, I was done wrong and want it to be known and reported.
Product: Vehicle loan or lease

I was 30 days behind on the loan in XXXX of XXXX with Credit Acceptance when my vehicle was repossessed. Within 3 days of the repossession the vehicle was already at the auction and they refused to allow me to reinstate the loan and return the vehicle to me. The vehicle was then auctioned and I was informed that I still owed them {$12000.00}. Then in XXXX of XXXX I was served with papers saying that they were suing me for the remaining balance. I filed my response letter with the court and when the court date came their attorney was a no show. This then dragged on for almost a year before they decided to ask the judge to dismiss the case without prejudice because the judge called into question how they calculated the amount that was still owed on the account and I am assuming they want to try again at another time with a different judge. This is still showing up on my credit report as a repossession and Credit Acceptance refuses to do anything about it or respond to any contact. Not to mention the blatantly inflated price they made the dealer charge for the vehicle and the warranty they told me Credit Acceptance required me to get and the refusal to allow me to purchase gap insurance. I know that the contract states the warranty was " optional '' but they refused let me buy the car without it saying that Credit Acceptance requires the purchase of the warranty in order to approve the loan.
Product: Credit reporting or other personal consumer reports

This issue was previously filed and resolved in XX/XX/2021 ; see issue number XXXX and issue number XXXX for additional information and attached documentation highlighting the account 's invalidation, successful dispute and removal, illegal aging, and reappearance over the years. 

The representatives of each bureau assured me in 2021  that the account would not be re-posted. 

However, the previously removed XXXX account reappeared again sometime in the last few months, this time XXXX posted it through XXXX XXXX XXXX. The listing on the XXXX report ( see attached reporting on all three bureaus from Fico credit report ) makes it clear it's the same XXXX account that was previously disputed and invalidated multiple times ( See attached documentation referenced on issue numbers from 2021  for documentation of violation of FCRA ). The previously invalidated account showing as a new collections account and has significantly reduced my credit score and impacted my ability to sign a new apartment lease.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that l 've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that l 've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Please remove these fraudulent inquiries from my credit report.
Product: Money transfer, virtual currency, or money service

This complain for my small business account : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ID were compromised and my checking account was accessed. Someone transferred {$5000.00} out of my account via XXXX without my authorization. I have emails confirming that hack/theft through XXXX. Seeking assistance in getting my stolen money back.
Product: Credit reporting

I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and Equifax has not only been equivocal, they have not provided the requested and sanctioned documentation required by law, nor have they amended the information, in reference to the following accounts since last contact. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXPlease be advised that this is not a refusal to pay the debt, but a distinguish sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a specified compulsion, which is binding on me to wage this debt. This is NOT a request for " validation '' via XXXX or evidence of my mailing address, but a mandate for AUTHENTICATION made pursuant to my Clear-cut name Date of Birth Social Security Number and correct address current accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with instantaneous validity. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any mistaken reports of these as mine. Please proof your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this apparent matter. What is your agreement of law for your collecting of intelligence? What is your authorization of law for your collection of this believed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my autograph or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to formally file a complaint against Equifax, Inc regarding the data breach that included my personal information ( SSN, Name, birthdate, address, etc. ). This was not brought to the public 's attention for over 30 days, including those directly affected by the breach. When contacting the phone number for what Equifax refers to as " The Incident '' on X/X/17, I was referred back to the website I previously used to determine ( www.equifaxsecurity2017.com ) that my personal information had likely been compromised & was told that the only option was for me to enroll in Equifax 's credit protection plan ( which in the fine print negates my legal rights to pursue action against the company. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Account balance is {$0.00} and is showing as a charge off ( CO ) in error going back to 2015. Account legally paid in full.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not + comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions XXXX have caused significant inconvenience and financial loss, i seek appropriate redress for these violations.
Product: Credit card

XXXX XXXX I noticed a PAYMENT ADJUSTMENT on XXXX of my XXXX Capital One statements. When I called Capital One, the woman said it was an error & would reverse the charge so I 'd have a XXXX balance. Much to my surprise, the next month it accrued interest and my other XXXX accounts now had multiple PAYMENT ADJUSTMENTS totaling over {$1100.00}. I called again & they told me the payments were returned form XXXX XXXX, over 15 months prior. Capital One can not provide me which account they were returned from although these are MY credit cards & accounts.I had closed XXXX backing accounts in the past year and have no way to access data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries appearing on credit report. 


1. XXXX {$380.00} 2. XXXX Bank XXXX {$560.00} 3. XXXX XXXX Bank {$120.00} 4. XXXX XXXX XXXX {$180.00} 5. XXXX XXXX XXXX {$2000.00} Inquiries 1.XXXX on the boul, 2. xXXXX  of a
Product: Debt collection

Received letter for not paying medical bill that was already enrolled for monthly payment on XX/XX/XXXX, the installments were completed by XX/XX/XXXX. We did talk with the hospital and got confirmation that there was no balances and informs the same to the customer care representative. The debt collector reported derogatory on XX/XX/XXXX and XX/XX/XXXX for the paid amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting identity theft addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports there is a closed account with huge amount of missed payments.MACY'S/DSNB XXXX XX/XX/2016 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MACY'S/DSNB has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my report and I noticed the following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I have two auto loans with Ally, since XX/XX/XXXX. One vehicle was stolen in XX/XX/XXXX. When it was found it had major damages.It yook Ally so long to corporate with the insurance co. I called for a payoff when I was told the vechicle was totaled, vehicle info was deleted from online also. The payoff that they gave me was less that what was paid to them by the insurance. I recieved a statement of a balance of {$2500.00} but when I called to find out why I still have a balance was told it is in review with a supervisor. I have called them at least ten times, was told it is in review eveytime I call. They call about the other loan payment at least 7-12 times a day even on Sundays this is so disgusting when I explained to them that I make online payments they want you to set up something by forcing you and they threaten you and say you do not want to corporate. I feel like this is harassment. They call from all kinds of numbers that doesn't show its coming from Ally. I can't take this anymore .But when I asked about the totaled vehicle they say you have to call the total loss department. I feel I have been mistreated and disrespected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the XXXX XXXX ( XXXX ) Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US 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

XXXX XXXX XXXX contacted us about monies supposedly owed to other creditors. We indicated, at the time of the initial call, that some of the monies were indeed owed, but not all. XXXX failed to provide proof of what they were attempting to collect. We offered a settlement offer, based on what we felt we owed, to clear it up, but they refused to be reasonable. Not only did they refuse our attempts to settle, but they continued calling us even after we told them to stop. Calls came in before XXXX our local time, and after XXXX. They just wouldn't stop. We've even took several of their illegal phone calls just to try and settle the account. They wouldn't budge, and just continue to call. This is harassment. They've now filed a lawsuit, and continue to call, even though we've told them to stop.
Product: Debt collection

XXXX XXXX XXXX keeps trying to collect on a debt that I do not owe for XXXX XXXX. I have faxed them and other collection agencies that I do not owe a balance. They said they would call the agent for the apartment to verify that I do not owe a balance. However I went to the apartment complex and the agent says she does not know the agency nor why they are trying to collect money. I was denied rental of an apartment because of this on my credit file when it's not accurate. I have called them over and over again only to get the run around. I would like for it to be removed from my credit file permanently as Indo not owe the complex.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Type : LEASE Account Number : XXXX  My payment due date is on the XX/XX/XXXX of each month. My payment for XX/XX/2018 was not past 30 days late.

My payment was made on XX/XX/2018. Please see attached proof of payment history.

Payment XX/XX/18 Payment XX/XX/18 Payment XX/XX/18 I was never past 30 days. This inaccurate credit reporting is effecting my credit score and As a result, causing emotional distress, interruption, annoyance, and continuing anxiety.