23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm filing this complaint in regards to a collection account on my credit report by XXXX XXXX XXXX in the amount of {$10000.00}. 
This account was open FRAUDULENTLY DUE to identity theft. In XX/XX/XXXX my purse was was stolen from me inside including my Ca ID my social security mail with my current address. My cell phone was stolen which gave access to the suspect all my emails accounts. Etc. Immediately reported this information to all ( 3 ) credit bureaus and requested they place a fraud alert on my account. I NEVER LIVED AT ACCENT OF XXXX XXXX XXXX which is the original creditor on this account. The address associated with this account has NEVER been on my credit file. I have filed a FTC REPORT AND POLICE REPORT. AS I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE REVIEW ATTACHED LEASE AGREEMENT VERIFYING RENEWAL OF MY RESIDENCE XXXX. THIS IS A RENEWAL AS IVE LIVED HERE SINCE XX/XX/XXXX. 
PLEASE REMOVE XXXX XXXX XXXX FROM COLLECTIONS ON MY REPORT
Product: Debt collection

I receive my credit reports monthly. I noticed a collection report that was placed on my credit reports that was NOT on my report last month. 

On Friday XX/XX/XXXX at about XXXX, I received a call from a company that I did not know nor had I ever heard of or done business with - National Recovery Agency. The lady on the other end said she was attempting to collect a debt. I let her know that I was the person she was looking for and asked that she not call me again - but to communicate via mail only. This person hung up the phone. I then received a notification by XXXX XXXX on Monday XX/XX/XXXX that a new collection account for XXXX was added to my credit report between XX/XX/XXXX and XX/XX/XXXX. The collection letter was from National Recovery was dated XX/XX/XXXX - the same day I received the initial phone call. I ask that this account be removed from all my reports from National Recovery Agency so I can have an opportunity to validate this alleged debt. 

This company did not sent any notification to my address regarding any debt until AFTER they placed this account on my credit report. I am requesting that this be removed immediately from my report since I was not even given a chance to request validation of this alleged debt.
Product: Checking or savings account

I had XXXX unauthorized transactions of about {$85.00} a piece, Venmo is making little to no effort to refund these charges and refuses to give me any direct answers on will I will be recovering my funds
Product: Bank account or service

I recently applied for a home equity loan-my first time doing so. One of the reasons I was n't approved was that I had a charge off on my chase credit card account in 2005. According to the fair credit reporting act information over 7 years old is not to be reported unless is a bankruptcy, and then it 's 11 years. I contacted chase, and they refuse to take it off. The response I received was that they did n't want to affect the integrity of the reporting procedures. So a mistake I made XXXX will affect me the rest of my life? I have 10 years now of no negative marks on my credit, and this is still haunting me. I do n't know what else to do! Please help!
Product: Credit reporting or other personal consumer reports

CREDIT COLLECTION SERVICE XXXX XXXX XXXX XXXX, MA XXXX XXXX Reference # XXXX NOTICE OF DISPUTE To : CREDIT COLLECTION SERVICE., agents, representatives, & employees I, XXXX XXXX XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE ME WITH VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSIST OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to non-affiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you an accomplice. 

I request that you provide me the Aggravated Value of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESNTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING.

THIS IS A WARNING!!! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 


Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Account XXXX  with XXXX XXXX XXXXXXXX open in XXXX and closed and written off in XXXX. Based off the FCRA public law 91-508 to report on a consumers credit it has to be 100 percent accurate. If anything found innacurate its to be removed if mutliple investigations on its accuracy was held. I had multiple investigations and phone calls made and it was said to be accurate. And till this day the account is still on my credit report. Im in the position to sue this company for defamation of character. Also spoken to a representative from XXXX XXXX XXXXXXXX a week ago stating my account would be removed from credit and wont report. Ticket number is XXXX
Product: Bank account or service

We requested that our checking account be closed on XXXX occasions. Our account was not closed & we were penalized with {$1200.00} in overdraft fees. In late XXXX / early XXXX we called the 800 number to request our account be closed. We were informed our account had to be at a 0 balance for XXXX days before we closed it. We were switching all of our ACH and credit card payments, and had informed all of our vendors the account was closed, yet some were still trying to debit our account and suggested we close it immediately so the ACH charges were returned and processed through our new account. We called the 800 number again a week later to request the account be closed and were XXXX again told it had to be at a zero balance for XXXX days. By this time, hundreds of dollars in overdrafts accrued because some of our vendors were still trying to ACH, but from our new and old accounts. If the account was closed the payments would have been returned and our vendors would not have charged us. 
We then went into the branch to tell them we needed to close our account with {$700.00} in cash. We were told there were still ACH items pending and they would not close it. We went into the branch again to speak with the manager, the manager informed us that we were lied to, that our account could have been placed " on hold '' and we could have paid the fees back in XXXX and closed our account. They then placed the account on hold and in between that meeting and the account being on hold, we accrued more fees. Wells Fargo then threatened us with collections for {$1200.00} + in OVERDRAFT FEES. These were simply old gym memberships, and a few other ACH items that we had switched to our new bank, but, were inadvertently submitted. These were not checks, or debit card uses, we were not continuing to use the account during this time. Wells Fargo lied to us the XXXX time we tried to close the account when we had {$300.00} in overdraft fees and as a result billed us for over $ 1200+.
Product: Credit reporting or other personal consumer reports

I had to call after 1 month to get a rude, disrespectful XXXX stating, your dispute was resolved!?? It was? and why wasn't I notified? He completely sided with the collection agency and when I asked for more detailed proof of what allows this {$140.00} claim to lower a credit score from XXXX for decades to XXXX, he said that's how it works. He then proceeded with smart XXXX tone, " do you want to dispute again? '' YES I replied but he then said, it will have the Same outcome!! How does he know? Why the refusal for XXXX report information detailed? Corruption is clear, this is extortion!!
Product: Debt collection

2 of 2 of the same issues of service charges they didnt remove from my credit when insurance submitted to them. 

Hospital did not take my insurance at the time of service. I tried to give the insurance to them since but to no help at all. Ive spoke to many supervisors and made many calls to them. They said they would apply my insurance card, confirmed it was an error on their part and all but they never correct the matter. Calls result in me having someone to say the debt was corrected for XXXX XXXX but it is not removed from all 3 Credit agencies. This is negatively having effects on me when I have tried to speak to them, hours on the phone and they say, The error was corrected but the collection company did nothing to stop posting the false charge, that my insurance took and is not removed in spite of what so many of them say. 1 of 2 separate accounts or charges they have from me that is not fixed. I will file the next report next. I dont know if it is the hospital thats not doing their part and updating or the collection agency whos illegally still trying to collect on a debt the hospital already moved from their collection company. Either way. It needs to be fixed and removed from all 3 of my credit reports as Ive tried, severally to rectify the matter with XXXX XXXX, up to submitting my insurance information to a supervisor, more than 3 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One and XXXX  are updating a closed and paid in full account every single month as Negative late and charge off when the account was settled and paid in full 4 months ago. The credit bureaus goes between those 3 descriptions and continue to report on this account every week, making my credit score drop when this account has been closed and paid off for months now. Instead of fixing the information after sending emails proving that Ive paid the account off, they have every excuse in the book as to why they are right and I am wrong. Ive reached out to Capital One twice and XXXX and XXXX   twice as well. I was told today to take it up with the Consumer Finance so this is what I am doing now. I really hope this can be resolved and quickly as Ive done my part and need the credit bureaus and Capital One to do theirs!
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, 1 LATE PAYMENT THAT IS NOT TRUE AND 2 ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. Please see the attached documentation that was also sent to the creditor and credit bureau that they failed to response. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681.

Please See Attached Documentation 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 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB abount one month ago. The complaint was that my wife has a capital one savor account that she uses to pay a household bills. She ordered a card for me for shopping. I did not sign anything, the account is under her SS number. After filing a complaint the reporting of this account was removed from my credit report. one month later it is back on my report. All I get from capital one is lip service and lies. If the CFPB can not fine capital one, please advise. My next step is to have my lawyer file a lawsuit.
Product: Debt collection

Debt collectors are reaching out to me nonstop for debt collection that I was not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is not mine. Credit alert set up and police reports sent in regards to existing fraudulent accounts. 

This frauduent account new on my credit report : Date account created was XX/XX/XXXX right after my ID theft report. 

Never opened this account, never been late on a non existing account. 

Account number on credit report : XXXX Called with no resolution. 

Please resolve, thank you both XXXX and XXXX, XXXX XXXX XXXX
Product: Debt collection

XXXX school. this is online school. i did not provide my social security number to this school when i registered online.. i do n't know why they have my all information. this school send me to the XXXX company ( USCB CORPORATION ) Collect. i have already talk to them i need close my account. and it show me on the credit report .They keep billing me all the time. I stopped paying them my hard working money, and wasting my time since i went to university.
Product: Mortgage

My home insurance is not being paid through my escrow, Ive tried to contact the company but they never answer the phones no matter what time I call. I need to get in touch with them before my insurance lapses.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX violated federal law, by not properly investigating within the required time frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will now result in a small claims action against your company. 
Synchony Bank account was discharged in Chapter XXXX. 
Date filed XX/XX/2017. Judge XXXX XXXX XXXX. Debtor ( s ) was dismissed XX/XX/2017 In which your company is well aware of. As to date you have tried to collect a debt
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account has adverse items they are reporting again without my permission which is against the law and harming me financially. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Remove all circled items on this account immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX which was a Sunday I stopped in XXXX charge {$23.00} on my card I lost my card immediately afterwards. I was not aware of this loss until Monday afternoon the XXXX of XXXX when I called to check my balance I found out my account was cleaned out of all cash. When I went to check for my card to call direct Express my card was gone so I called them and reported it lost or not stolen I knew it was lost. I told them my last transaction would have been at the XXXX for {$23.00} and anything after that would have been a fraudulent charge. So they have sent me a notice saying that there's conflicting reports of what I reported and what they found in their investigation which is ludacris because how can I report anything other than when I lost my card and what my last charge was? They have sent me a notice which I have attached to this complaint showing all the charges for that month off my card I'm only concerned about the ones from XX/XX/XXXX onward except for the one for {$23.00} which was my last charge. I have contacted direct Express trying to get copies of the documents they said I could get in this letter but they never send me a copy I don't know what documents they're talking about. Unless it was for my original claim which I filled out from memory. I lost a considerable amount of money as they're refusing to reimburse me for these fraudulent charges and it's been a financial burden for me cuz this is my social security retirement all the money I get every month.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX XXXX  I went to Bank of America located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
I walked into the bank to make a withdrawal since I received XXXX deposits : a paycheck and a XXXX XXXX refund. When I walked up to the teller, I asked to take off XXXX. First the teller asked me to verify my identity three ways, through Identification, the last four digits of my social, and through the phone. 
After I identified myself successfully he then proceeded to call his XXXX over, XXXX. She asked me to verify my identity again, after that she went to the back to get an I.D maker to check and see if my I.D was real. Once my I.D proved to be real she began to humiliate me even more in a bank full of people with the line out of the door. She states she's not familiar with my XXXX institution, or my place of employment. I was not allowed to get money out of my account, accused of fraud and humiliated. 
I called the bank immediately after leaving, and they hung up the phone. I then called Bank of Americas customer service immediately after.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX. XXXX ( Orig Cred : XXXX XXXX XXXX. CENTER ) XXXX
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 XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( 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 XXXX years. 

15 U.S.C. XXXX ( 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX HAS A XXXX ACCOUNT INCORRECTLY STATUS ON MY REPORT. THE OPEN DATES ARE MIXED UP, THE LAST REPORTED IS MIXED UP. ON XXXX THE COMMENTS SAYS ACCOUNT LEGALLY PAID OFF, XXXX SAYS SETTLEMENT ACCEPTED, TRANSUNION SAYS PAYEMENT AFTER CHARGE OFF. WITH ALL THE ERRORS BY THE BUREAUS IT SEEMS AS INACCURATE INFORMATION IS BEING DISPLAYED AND WRONG INFORMATION IS BEING GIVEN TO ANY THAT REQUEST INFORMATION. THE CREDIT AGENCIES ARE IN VIOLATION AND IS NOT DOING THEIR JOB AS LISTED BY THE FCRA XXXX XXXX  XXXX XXXX ACCT # XXXX IS REPORTING INCORRECTLY WITH XXXX AND XXXX XXXX TRANSUNION IS SHOWING CLOSED HOWEVER CURRENT AND STILL REPORTING NEGATIVELY AND THIS IS HURTING MY CREDIT SCORE. I NEED THE FOLLOWING ACCOUNT DELETED. ITS ALOT OF ERRORS AND THEIR IS NO ACCURACY ON TRUE OPEN DATES NOR LAST DATE ACTIVE .THE DATA IS COMPLETELY OFF WHICH INDICATE THIS CAR WAS SOLD TO A DEBT COLLECTION AGENCY AFTER I WAS NOT PROPERLY INFORMED REGARDING ABOUT THIS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT MY RIGHTS HAVE BEEN VIOLATED.

15 U.S.C. 1681 SECTION 604 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 XXXX XXXX  ACCT # XXXX HAS INACCURATE OPENED DATE, 2 DIFFERENT HIGH CREDIT AMOUNT, INACCURATE LAST REPORTED DATE
Product: Student loan

Last year I worked hard with a PHEAA 's Consumer Advocate Associate and a Fed Loan Services Consumer Relations Analyst to get an accurate count of my payments towards Public Service Loan Forgiveness. After some back and forth with a Dept of Education staff member they arrived at 92 qualifying payments of the 120 needed for Public Service Loan Forgiveness. I submitted the yearly employment verification form to get the next batch of payments to qualify towards the 120 needed. Fed Loan Servicing   still has not processed the form, which PHEAA Consumer Advocate Associate can see in their system, from  XX/XX/XXXX. This is my 2nd request to process this form. It is almost time to recertify for the next year 's batch of payments. 

I have read a number of articles and seen on TV a number of news clips showing PHEAA and Fed Loan Servicing are having trouble processing PSLF paperwork and I don't want to get lost in the shuffle. By my count, I should be done with paying the student loans in XX/XX/XXXX ... that will be my 120th qualifying payment. 

I have placed a request to process the XX/XX/XXXX form with XXXX XXXX @ PHEAA office of consumer advocacy. I have reached out to Senator XXXX 's office to see if they can prompt Fed Loan Servicing to process the form from XX/XX/XXXX. I plan to reach out to Fed Loan Servicing borrower 's advocate. The Dept of Education 's " Ombudsman '' office was subcontracted out to a company called XXXX, and they didn't have much power, but I will generate a service request. I plan on reaching out to XXXX XXXX XXXX, a vice president of PHEAA Loan Operations to see if he is still with PHEAA and can assign someone to assist me.