23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello. In XXXX of XXXX I received a letter in the mail from Credit Collection Services. This collection agency claimed that I owe {$7000.00} to XXXX mobile services. I called XXXX and a representative said that I owe no such amount. The only service of XXXX I had was XXXX, which was paid monthly and cancelled before I sold my house. The representative said accruing that amount would be impossible, XXXX  would cancel the account long before. 

I researched credit collection services and according to comments on XXXX  is an obvious scam, bullying people into paying debts they do not owe. 

Unfortunately this is on my credit report and I can not buy a house due to my credit score tanking XXXX points. 

I contacted XXXX XXXX in XXXX XXXX as recommended by my real estate lender and they said a few months ago that the debt should be off of my account but that it is out of their hands at this point. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they are a debt collection and that I owe {$7000.00} to XXXX XXXX. 

I do not know what to do at this point so I am reaching out to every avenue I find. Please help me get this off of my credit so I can move on with my life, thank you.
Product: Debt collection

A XXXX credit card was opened unknown by me. According to XXXX this issue was resolved and I was told I was not responsible for this debt back in 2018. This debt was sold to XXXX and XXXX debt collections. They are not trying to collect this debt and have threatened to sue me. When I ask for validation all they send me is a statement. There is no proof that I opened the account. Even XXXX CSR 's told me that the account was not opened in Virginia. Please investigate.
Product: Credit card or prepaid card

My account was closed due to a fraudulent glitch my account was closed then reopened I recently called I have to claims that have been reopen and two sent out for an escalation I still have yet to receive a single payment please help me I dont know what else to do bills are piling up and I cant wait any longer I need a resolution for my situation now Im so lost and XXXX at this point please help me.
Product: Checking or savings account

I closed Bluebird Checking Account over six months ago, but Bluebird ( American Express ) keeps sending statement emails every month, and I can't stop it.
Product: Credit card

I Saw this on my XXXX XXXX app a couple of weeks ago. There is a balance of {$860.00} on my credit from Barclay Bank of Delaware. I called them and they said that this is a charge card that was opened in XX/XX/2023. I told them that it's not mine. They told me that they would note this on their end. They advised me to file a dispute with the XXXX credit bureaus. I did this. Now I just received correspondence in the mail stating that this appears to be legit. I'm still stating that this charge card, balance, whatever is not mine. I also wanted to note : I've never received a bill, credit card, nothing. As I stated, I saw it on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Unauthorized accounts & inquires on my Credit report. According to the FCRA Any Unauthorized items on my report must be removed if not 100 % Accurate & Verifiable.  Please Remove this From my report.
Product: Debt collection

XXXX collection letter recieved from this 2nd collection agency ( Rash Curtis and Associates ) Prior to this letter, the acct already been paid to another collecting agency on XXXX/XXXX/XXXX thru XXXX XXXX . As soon as i rec 'd letter from RashCurtis, I already told them that the acct already been paid and I sent them a proof of payment on XXXX XXXX. Even though they rec 'd the fax for a proof of payment they still keep calling me and asking for a payment. They told me that the proof of payment was not enough and they could Not validate the date of service on the payment letter thus, I need to provide another proof that the acct they are collecting is the same acct I paid for. So I called XXXX for another proof, although XXXX said that collections do not actually put that info in the letter, but they agreed to include the date of service in the letter, the amount, the client name, and the original acct number that Rash Curtis ' is requesting. All the info from EOS is the same info they are collecting from me. So I sent Rash Curtis another fax on XXXX with all the information they need. I called them few days after I sent the fax to make sure they rec 'd and I was told that it will take about 1 week before they get the fax confirmation from other dept. so I was told to call back in about a week. It is already XXXX and the lady handling my acct named XXXX rudely told me that they will not removed the collection in my report bc she still did not received the fax info yet from their department. I asked her what is their timeline to rec 'd the fax info from the dept that I faxed the letter down to her ( XXXX ) And she could not give me a date, i ask if that is 6 months or what bc i am buying a house!

My problem is : # 1 rash curtis & assoc filed this in credit reporting bureau although I already sent them a proof of payment. Now this is in my credit report and i am trying to remove it there as soon as possible. # 2 they were calling me for a collection that 's already beed paid.
Product: Credit reporting or other personal consumer reports

The Credit Reporting Agencies never did a proper " investigation '' according to the FCRA.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my consumer report. 

The Credit Reporting Agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal.

They also violated the law because according to : 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I did not give anyone or Credit Reporting Agency written instructions.
Product: Debt collection

I never received my security back from the landlord. He said I needed to pay for the carpet, even though water from his leaky windows caused the carpet damage. I notified the landlord in the very beginning. I was one person in an apartment for 8 months there was no way I am paying for a new carpet. I went back and forth for many months with the landlord. I have proof of the leaking windows which they admit but still say I owe for the carpet. They claim an illegal debt and this company buys it from them. Whole thing is a scam. I have no contract with this debt collector. 


COLUMBIA DEBT RECOVERY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX TOLL FREE : XXXX MONDAY-FRIDAY XXXX TO XXXX PST XX/XX/XXXX XXXX-Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX Original Balance : {$290.00} Current Principal : {$290.00} Interest Due : {$5.00} Total Due : {$300.00} XXXX XXXX XXXX In reference to your recent request, please find enclosed validation of debt with XXXX XXXX XXXXXXXX XXXX Should you have any further questions, please contact the undersigned below or you may email documentation to XXXX for review. 

Sincerely, COLUMBIA DEBT RECOVERY XXXX DXXXX XXXX ( XXXX ) XXXX This is an attempt to collect a debt. Any information will be used for that purpose. As of the date of this letter you owe the amount stated above. Your account bears interest at XXXX percent per annum. Because interest and other charges vary from day to day, please contact us to learn the exact amount you owe as of the date of your payment. 

Note : To remove your email from the contact list, please reply Stop. 
...
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX and the reason for me writing to you today is to complain about XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was closing on a refinance Va Loan on XX/XX/2019. The terms were that we can skip XXXX and XXXX payments. Mortgage co., XXXX XXXX XXXX XXXX up the closing and did not disclose to us to pay XXXX payment. We moved with the closing into XXXX, funding was not paid to XXXX mortgage. On XX/XX/2019, we were instructed to pay XXXX payment and the new terms were skip XXXX and XXXX payments. Even though XXXX mortgage received their money, they went to as far to report us 30 days late for XXXX payment. I in-turn called XXXX XXXX XXXX to report the problem. As of today neither XXXX XXXX XXXX or XXXX mortgage corrected XXXX 's late payment. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cashap wouldnt provide me with any explanation of the denial of my dispute when they have too or else how could they denie my dispute when I have not received service that I paid for and canceled the service yet still was being charged and I contacted cashap to dispute and they been denying my dispute with no further explanation
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 the 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: Credit reporting or other personal consumer reports

Got an alert from XXXX XXXX changes of changes to my credit report on XX/XX/2024, pulled my reports from MyFico. 
I called Equifax and asked for fraud department and was told I needed a FTC or police report and needed to send copy of Identification, ( DL ) and copy of Social Security Card and either a current bill or bank statement.
Product: Debt collection

I call XXXX customer service and told them my address XXXX, TX XXXX ends at XXXX the XXXX day of XXXX PREVIOUS BALANCE Payment Receive XXXX/XXXX/2014 {$26.00}, XXXX there lease agency told I had to move out this apartment on XXXX XXXX, 2014 at XXXX. I move with XXXX and call and told XXXX customer service to disconnect XXXX account on XXXX XXXX,2014. see on this Bill Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14. Current Gas Charge Total XXXX TAX/FEE CHARGE TOTAL XXXX CURRENT CHARGES XXXX TOTAL AMOUNT DUE XXXX. Are someone at XXXX employer and employee steals and uses your personal information do fraud and put fraudulent charged on your billing account related to identity theft. I am disputing these fraudulent bills charges on my XXXX Costumer Number XXXX Customer Name XXXX, TX XXXX. Account close out XXXX XXXX, 2014. Billing Date XXXX/XXXX/14 PAST DUE AFTER XXXX/XXXX/14 XXXX, PAST DUE XXXX/XXXX/14 XXXX Final Bill PERVIOUS BALANCE XXXX these bill are like the same billing XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, Billing Date XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, billing Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14 XXXX see these attachment the XXXX bills date XXXX/XXXX/14 past due after XXXX/XXXX/14, Payment received XXXX/XXXX/2014, XXXX Current Gas Charge Total XXXX Tax/Fee Charge Total XXXX Total Amount Due XXXX, Previous Date XXXX/XXXX/14 Past Due After XXXX/XXXX/14 Pay Receive XXXX/XXXX/2014 XXXX tax XXXX = XXXX, they are not the same like Current Charges and Tax/Fee Charges Total, Total Amount Due date XXXX/XXXX/14, XXXX/XXXX/14 and date XXXX/XXXX/14 disputing fraudulent charges XXXX accounts identity theftXXXX XXXX employer and employee told me there collection agency Professional Finance Company , Inc will get the {$56.00} dollar from me are mass up, this is company 's do when you close out your account with them. they call there collection agency for more money from there customers and mass up your credit. This is not rightSincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXXTX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAY I SPOKE TO THE FRAUD DEPARTMENT AT EXPERIAN SO THEY CAN FILE A IDENTITY THEFT FRAUD DISPUTE AGAINST XXXX  FOR ACCOUNT # XXXX. DURING OUR CONVERSATION, THE AGENT ADVISED ME TO FILE A FEDERAL TRADE COMMISSION IDENTITY THEFT FRAUD COMPLAINT AFFADAVIT. ATTACHED IS MY AFFADAVIT FOR MY OPEN IDENTITY THEFT FRAUD CASE # XXXX WITH EXPERIAN. I HAVE ALSO FILED A POLICE REPORT AND ATTACHED THE TEMPORARY REPORT TO THIS COMPLAINT.
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMER OUS LETTERS INFORMING THERE IS INACCURATE, ERROENOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " DELETE '' THE ACCOUNTS Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them. 

Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX   XXXX not mine XXXX XXXX {$920.00} not mine XXXX XXXX {$1800.00} not mine
Product: Credit card or prepaid card

AMEX Stole my XXXX Reward Points! 
Thats Right! AMEX stole my XXXX reward points. I had 2 accounts, one business account which I accumulated over XXXX reward points since XXXX and one personal account which I accumulated XXXX points since XXXX. I retired in XXXX and had AMEX move my XXXX points to my personal account which they did cheerfully. Covid-19 pandemic hit about this time and I did not use my personal AMEX account because of travel restrictions and the pandemic. In XX/XX/XXXX, AMEX decided to cancel my personal account because of inactivity and my rewards disappeared! When I found out about this in mid XXXX, I contacted AMEX and complained numerous times via phone calls and repeatedly requested the points and account be reinstated. The first request was submitted to AMEX an was rejected due to incomplete information so again I called and requested another case be submitted ( Case # XXXX ) on XX/XX/XXXX which it was. After numerous follow-up phone calls the case was not acted upon. In both cases I reminded the AMEX agents that the Membership Rewards Program FAQ stated We will never cancel your account for any reason without notifying you in advance. In my case NO notification was ever received via email, phone call or mail! 
My last follow-up phone call was in XX/XX/XXXX. The AMEX agent again quoted the company line stating I was contacted prior to cancellation, which I never was either by phone, email, or regular mail. ( And I check my Spam/Junk folders! ) Further the cancellation was over 90 days old so they could not reinstate my account and my points were forfeited. In XXXX (? ) AMEX changed the Rewards Program, and now states If we cancel the Rewards Program, well notify you at least 90 days in advance. You'll be able to earn or use points during that time, but we may change or cancel certain rewards. 
As of this writing I am considering legal action against AMEX, however I wanted to warn other existing and potential AMEX customers about AMEX way of conducting business. To me, I think AMEX used the pandemic to change the Terms of Service and selectively steal reward points to improve the bottom line at AMEX.

I will never again use American Express for anything unless my travel points are restored! They are a TERRIBLE Company completely without any scruples, only care about the bottom line, and will look for any reason to XXXX their customers!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from the credit bureau that a new account was added to my report. The company name is XXXX.It shows on my report this acct was opened in XXXX  however it was just reported to my credit report. I immediately tried to contact the company, however I was unsuccessful. I then proceeded to file a police report to report this account which is an account that was not opened up by me. I am a victim of identity theft and fraud and I do have an extended alert on my report. The report does state to contact me at the number provided to verify my identity before any credit is extended.