23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

US Collections West and its Associates are in violation of the following FDCRA sections : 1 : Willful neglect of FDCRA section 805 ( c ). On XXXX/XXXX/2016 at XXXX XXXX. The consumer requested in writing that US Collections West cease and desist telephonic communication regarding the disputed debt through the CFPB platform under complaint ID number XXXX. 

On XXXX/XXXX/2016 CFPB CSR confirmed delivery of written response/request to cease and desist was received by US Collections West. 

The week of XXXX/XXXX/2016, the consumer received more than XXXX phone call from US Collections West. 

US Collections West attempted to circumvent The FDCRA by utilizing an unlisted and unassociated phone number it owns to contact me. The calls were received from phone number XXXX XXXX XXXX XXXX. US Collections West publishes and prior to complaint ID XXXX communicated with me using their published phone number of XXXX. 

After receiving the cease and desist notification on XXXX/XXXX/2016, US Collections West willfully and unscrupulously continued to contact me using telephonic communication of an alternate number. Telephonic records in my possession illustrate the deceitful practice used to circumvent adherence to FDCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been enrolled in Experian 's TripleAlert credit monitoring for a number of years. On XX/XX/18 I received an e-mail from them telling me they were " upgrading '' me to a more expensive service ( $ XXXX/mo vs. {$4.00} ) which I never asked for, so I decided to cancel. There is no means of doing so online nor does the website give a mailing address -- only a telephone number and an e-mail address. On XX/XX/18 I called the telephone number which connected me to an automated system ; it asked me for various personal identification data ( which, oddly, did not include my account number ) and then told me they had no account on file matching that information and then disconnected. There was no provision for speaking to a human operator. I made numerous retries over the next several days, both to this number and to several other Experian numbers which I looked up ; all led to the same automated system with the same result. 

Meanwhile, I sent e-mail messages on XX/XX/18 and XX/XX/18 to the address given in Experian 's FAQ. I have not received a reply to either. I am effectively left with no means of canceling.
Product: Debt collection

The Natural person and consumer is the only true creditor as I can create the debt per federal law along with other laws that can easily be researched after the BANKRUPTCY of the U.S in XXXXSo when filling out a consumer credit transaction it means that I had to use my " card '' aka my social security card aka my social security number to extended myself credit. So how is it a benefit to me, the natural person, to pay on something I issued? u XXXX XXXX XXXX  are willfully and knowingly committing fraud. 

This is a violation of my consumer rights because congress says the use of a credit card by a person other than the cardholder who does NOT have actual, authority for such use is unauthorized ( 15 USC 1602 ( P ) and in this case my credit card was my social security card. This is false and misleading and the integrity of this information is not accurate ( 12 CFR 1002 ( e ). Also, according to 15 usc 1681 ( e ) ( b ) - Accuracy of report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I am having issues with my personal information on my credit file. 1st my name is spelled wrong five different ways, XXXX XXXX XXXX is the ONLY spelling that should be on my report. My SS # is XXXX please delete any other SS # on my file. I have several addresses showing that do not belong to me please remove the following:XXXX  XXXX  XXXX  XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Product: Credit card or prepaid card

Over the summer, forget the exact date but can look it up if needed. I have the capital one buypower card. I went into a store one day and purchased something worth a little over 4 dollars. This card is one of had for a while and would purchase things with occasionally. The card payments were set on automatic payments as I have set up on all my other accounts. However, one day I got an email stating that my payment was late. Confused by the email I called the company and the lady I spoke with assured me that my card had automatic payments. When I asked if the payment would be made and everything would be okay. She again assured me that everything is taken care of. My sole purpose of the call was to make a payment. However, the customer service agent failed to tell me that their system for automatic payments stopped working ... they stopped them altogether. And that my automatic payment would not go through before the time limit in which they would send the missed payment to the bureau. I hung up the phone assured that the payment would be made. I just assumed the system was taking it at the last minute like it usually does. A few weeks go by and I again get an email. This time from XXXX XXXX  telling me that there was a hit on my score. When I checked it turned out to be that missed payment. My automatic payment did n't go through like the lady assured me it would. And now I have my FIRST missed payment on my credit report which was not my fault. I was not notified the company took off automatic payments on their own. And when I called in the first time I was not made aware that had the payment not been taken that day it was going to go on my credit report. I remind you ... the balance was XXXX dollars. I was calling that day with the intention of clearing it out. It 's XXXX dollars .... of course I wanted to pay it off. I 've never missed a payment. Ever. As seen on my report. When I called in the second time the lady asked if I wanted to take care of the payment and I assured her that I would. And that lady is the one who made me aware that I was not on automatic payments and that they stopped my automatic payments ... without telling me. When I filed a dispute with the company they called back and took absolutely no blame for their employee misleading me as a customer and allowing my credit score be affected. I feel extremely mistreated by this company and do not feel as if a XXXX dollar missed payment should be on my credit report ... out of all the payments I 've made. Especially if I had automatic payments and was assured by the first individual that it was still active. I tried filing a dispute on XXXX XXXX but nothing came of it. I hope that you all can clearly see how I was mislead and abused as a customer. 

Thanks, XXXX
Product: Debt collection

We lived at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA from XX/XX/XXXX to XX/XX/XXXX. This apartment complex is owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the time when we lived there it was managed by XXXX XXXX XXXX, and is currently managed by XXXX XXXX XXXX Two weeks before moving out we did an inspection with management, and they did not find anything that would have required us to make repairs to the apartment. We have photos and videos of the condition of the apartment when we moved out showing it was in good repair and clean. 
A final inspection and accounting of repairs was due back to us on XX/XX/XXXX but we never received it. We sent an email to XXXX demanding a final accounting on XX/XX/XXXX. This email never received a response. Our security deposit of {$600.00} was not returned. We never received another communication from this apartment complex. They had our phone number, email, and forwarding address. The landlord of this property is in violation of CA tenant law, Civil Code 1950.5, by not providing a final accounting to us within 21 days of vacating the property. 
Around XXXX of XXXX we began to receive several phone calls a day that registered as scam likely. On XX/XX/XXXX we answered one of these calls and it was Transworld System Inc. claiming to be a debt collector on behalf of XXXX XXXX XXXX XXXX XXXX. They are claiming that we have an outstanding debt of approximately {$35.00} for painting services billed by this apartment complex. 
If you read the XXXX reviews of XXXX XXXX XXXX, several other people are being harassed by debt collectors from this apartment complex for debt that is not owed. 
We have tried to resolve this with both the property management company and the debt collection agency. We have sent certified letters stating that we do not owe this debt and have put the debt in " dispute '' status. Neither company has removed the illegal debt or told us why we are in this position in the first place when we were never contacted about owing anything to this apartment complex, and they actually broke the law by illegally retaining our deposit. We have filed a small claims lawsuit to try to recover our deposit, but we need to be removed from collections.
Product: Credit reporting

I have been in dealings most recently with the Equifax Office of Executive Consumer Affairs, XXXX XXXX XXXX from XXXX XXXX - Today ( CURRENT AND ONGOING ). The extreme negligence being exhibited by her and her office as well as the Equifax Office of Consumer Affairs and their Fraud department violates so many laws of the FCRA. I have attached both a letter and a breakdown of all accounts that are currently wrongfully being reported on my credit file that I sent to them on XXXX XXXX, 2015. These wrongful acts range from either reinserting previously deleted information, their direct removal of accurately reporting accounts, and adding inaccurate personal information even though on a total of now ( 19 ) occasions they have been provided all necessary documentation to support my claims. XXXX XXXX XXXX is still actively working on my file and continues to wrongfully act on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is in violation not reporting! 00 % accurate it list the child support court as the furnisher that's forgery and misleading when the courts don't report this type of account. 15 USC 1681e ( b )
Product: Debt collection

The Wilber Lane Law Firm is harassing my company, XXXX XXXX in trying to collect {$2500.00} for a flood that occur on a townhouse that we do not own nor have ever own. 

See letters attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pay this account to the colection company for a lower amount, but still show the original balance and open, also is duplicate from the orignal owner the credit card bank, and from the colection company. XXXX XXXX XXXX Opened XXXX XXXX, XXXX - {$0.00} Original creditor : XXXX XXXX XXXX XXXX XXXX  Overview You 've paid off 100 % of your collection amount. 
Balance {$0.00} Highest Balance {$340.00} Opened XXXX XXXX, XXXX ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Collection account Original Creditor Name XXXX XXXX XXXX XXXX XXXX See an error? 

You could dispute an error with XXXX XXXX XXXX
Product: Debt collection

I have a debt on my credit report for {$510.00} that is n't mine. I have no knowledge of this account or this company for that matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXhis Information is Incorrect. Please remove this inaccuracy from my report XXXX XXXX XXXX I was never late on this account- Please check the status on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. 

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 Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : DPT EDXXXX Account Number : XXXX, has violated 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. 

The student loans are inaccurate on my account from XXXX. The documents that will be attached and highlighted from XXXX, Equifax, and XXXX XXXX shows that I made payments on one account for a certain time, and on the other account it shows that I have not made payments. This information is inaccurate and XXXX, Equifax, and XXXX XXXX has violated my rights on numerous occasions. I have not made any payments due to the payments not starting until XXXX ( 10 years ). 

The President of The United States, Joe Biden, also announced student-loan relief for borrowers.
Product: Credit card or prepaid card

XX/XX/2012 I was locked out of XXXX to complete a transaction. After trying to contact XXXX for over 2 hrs. I finally reached someone believed to be an XXXX associate who told me my problem was verifying my credit card. I was then told to go to XXXX and purchase 2 gift cards valued @ {$200.00} each which they showed on my cell phone was transferred into my account. Then told they didn't take after giving them the number of cards and that I needed to go to a different store to purchase others. I continuing asked them about this unusual system XXXX was using to test my card however they convinced me that it would be fine and I would be able to get into the computer soon. Now it ended up being three XXXX cards for {$500.00} ea. same thing showing on my phone the exact amount was transferred into the charge card which had the exact last numbers that I use. Finally when they insisted one more card was needed this went onto Discover for {$500.00} I was worn out arguing with them. The previous transaction was on my XXXX card. Now I contacted the credit cards minutes after I got home and noticed my computer was now unlocked. Both XXXX and Discover were notified ; This people were man and wife and the call was from XXXX XXXX CA. and represented XXXX which to me is fraudulent however because they instructed me to purchase the cards both XXXX and Discover this to be a scam of which even though it was on a credit card will not remove the cost, I am a senior and live on social security and try to supplement by selling little items on line. I always pay any credit off monthly so as not to incur interest, however, this is impossible for me to do at this time, I went into XXXX and explained my situation to no avail and I even asked if they would keep the interest off if I paid it off monthly, answer was no. How cruel can they be as I have been banking with them for at least 4 yrs. and NEVER missed a complete payment. Discover will take the interest off for the first month only however, between the both I'm at a dead end. I gave XXXX complete information. I contacted all of the above within minutes after realizing I had been scammed. You are my final resort for help. No one can realize what a burden this has put on a senior who just wanted to supplement her income. I did nothing but believe crooks who found and knew everything about my address, banking, etc. Everything had to be deleted and new cards issued, Horrible lesson to learn in times like these when prices of everything is on the rise. PLEASE HELP ME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX  and XXXX  from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

In short, My signature was forged as a cosigner on a Tuition answer loan in XX/XX/XXXX by an XXXX XXXX XXXX employee in XXXX, Florida. In XX/XX/XXXX I started getting calls excessively from Sallie Mae about defaulted student loan that I did not authorize and eventually they started contacting my employer about wage garnishing. I requested the proof of this application and upon receiving it I realized that the signature is a fake. My printed name was misspelled ( as it is commonly by strangers ) and the relationship to the borrow was inaccurate. I submitted a fraud dispute in XX/XX/XXXX to Sallie Mae and it was denied. During my investigation I asked the Borrower who reports that she did not have a cosigner listed for this loan. She informed the school 's financial aid employee that she was not able to obtain a cosigner and she was told to leave the application with him and he would call Sallie Mae to see if they would need one. She was eventually told by this employee later that Sallie Mae accepted the application without a cosigner.
Product: Debt collection

good day I have contacted company last year to provide information about the debt owed which they supposedly sent me but I have never received information requested. 

I filed the dispute with XXXX and XXXX but those steps did not seem to help to solve the problem. I don't understand how Collection agency is providing Credit Bureau with information but not individual involved.
Product: Checking or savings account

I called Navy Federal Credit Union on XX/XX/year> and requested a new debit card for my account that I currently have with them. The technician stated that my account is not active and couldnt find me in the system. When I told her I get monthly statements from them stating I have funds in my account she told me that it wasnt accurate.
Product: Mortgage

My insurance company ( USAA ) who is insured by XXXXXXXX XXXX questionably raised my premium by 600 % during covid-19, forcing my mortgage company XXXX XXXX XXXX XXXX, who is insured by XXXX XXXX , to nearly triple. USAA applied false claims to my insurance hence given reason for a premium increase. 

I found out about the false claims being added to my insurance record through another insurance company. I immediately call USAA to get this resolved. They took off several of the false claims but stopped cooperating with me afterward. 

All cost would later be passed on to me through the XXXX, mounting upto an additional $ XXXX in total. Now I owe more for my home than the original load price. 

I'm a XXXX XXXX XXXXXXXX veteran facing losing my home because USAA adding false claims to my insurance during COVID 19. I'm going to lose my home, if something isn't done quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank shows my credit score has dropped due to missed payments being reported by Experian. I have never missed a payment. I dont understand why Experian is still in business as I have NEVER received an accurate report from them