23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report continues to show a collection account for a company called General Revenue. The amount is {$790.00}. I have paid {$840.00} for the exact same thing through XXXX XXXX to pay off the creditor XXXX  XXXX XXXX. I have all receipts that I have paid this off through XXXX XXXX. 
In XX/XX/2021, I spoke to XXXX XXXX at XXXX XXXX and she said XXXX  XXXX XXXX  would be able to take small balance payments to get this paid off. That is what I started to do, once I realized the account was in collections. I paid this off in XX/XX/2021. 
Around XX/XX/XXXX I spoke to a XXXX at General Revenue XXXX when I received a statement saying I owed money to XXXX XXXX XXXX. and she gave me the information to dispute the statement that I received saying we owed the exact same thing through XXXX XXXX XXXX, although it is paid off. I disputed this through General Revenue on XX/XX/XXXX at XXXX and submitted all receipts. 
On XX/XX/2021, I called XXXX XXXX XXXX and spoke to XXXX. She said the account is paid in full through XXXX XXXX XXXX 
On XX/XX/2021 at XXXX I called Student Account Services at XXXX XXXX XXXX and the collections department said we are paid off. 

The collections account continues to pop up on my credit report although I have told General Revenue it was paid off and disputed it through the credit reporting companies. I don't know if they're trying to scam us, but the information is inaccurate. I have all of the payments that show this amount has been paid off, plus extra charges.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts listed on my credit report, and I have no idea how they got there. As part of my routine, I reviewed my credit report, but this time, I noticed unexpected inconsistencies. I even refreshed my browser, hoping it was a temporary glitch, but the errors remained. Due to this issue, I kindly request a thorough review of the documents I have submitted to ensure I never have to deal with this concern again.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have all obtained my non public Identifying information through fraud & identity theft. I have never contracted with any of these companies. This also serves as notice for all of the credit reporting agencies to list a few but not limited to XXXX, XXXX, & Transunion. Please remove these fraudulent account or be held liable for willful breaking of the law.
Product: Debt collection

This agency have tried to collect a couple medical bill recently and I advised about this specific bill and they insist that it 's mind and they would do a pay deletion however I keep advising them my lawyer will be involved soon bc I do n't owe them but I keep getting different calls on the same thing but I have n't gotten any letters from them or the original creditor
Product: Vehicle loan or lease

I financed my 1st car with Credit acceptance not knowing how much pain and suffering this company would put me through. Originally, this car was priced roughly {$13000.00}. Credit acceptance added a 20 % interest rate, making this car over {$22000.00}. I was struggling to pay my car note of almost {$400.00} every month along with my car insurance. I became XXXX and was working extra the whole time just so I could be able to pay my car note and try to save extra money to cover the future payments after I had my baby. Eventually, I ran out of money and had to make the hard decision of voluntarily surrendering the vehicle. Fast forward, I am now being sued for the deficiency balance plus additional fees and interest totaling over {$7000.00}. I am XXXX XXXX, single mother and have no assets. I have no money to give this company and I do not feel that they deserve another XXXX from me after experiencing how this company takes advantage of their consumers.
Product: Mortgage

For almost a year, my monthly mortgage payment was {$1500.00}. However, the new payment they are asking for is {$1900.00} a month. I am on a fixed income and I told them that I can't afford it. They transferred me to the loan origination department, but no one answered and I had to leave a message. No one has gotten back to me yet, and they keep saying that my escrow is low. I fell behind on my payments after my XXXX XXXX death, and I had an agency help me catch up on my payments, including my escrow account. I also had to do some work on the house. They wanted to keep the check and said that I was still behind on my escrow, which I don't understand since the agency caught up on everything. My mortgage payment went up from {$1500.00} to {$1900.00} because of escrow payments and insurance. I am a veteran and am tax-exempt. The only thing I pay for is staying close to the XXXX XXXX, and I have XXXX elementary schools close to me. 
date XX/XX/XXXX when the agency caught on my late payments XX/XX/XXXX got the check from my insurance company to repair the XXXX unit they wanted to keep the check because of escrow XX/XX/XXXX talk about the increase in monthly payment the loan company is BSI financial company.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

The company XXXX XXXX  XXXX XXXX XXXX has listed a debt on my credit reports in the amount of {$75.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$0.00}, {$0.00}, {$2400.00}, {$380.00}, {$1600.00}, {$760.00}, {$0.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOANS OR LEASES 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$380.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # HLTHCEXXXXXXXXXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Experian is currently reporting my collections status incorrect. I have requested for an investigation to be done. However, there was no accurate results. XXXX XXXX XXXX is being reported as 2 of the same account. I have previously communicated with Experian that this is not my account.
Product: Debt collection

I received a letter dated XX/XX/XXXX from OnLine Information Services. They state that I owe {$760.00} to a creditor named XXXX XXXX XXXX  for services of XX/XX/XXXX. 

I did use medical services on or about that date. However, I never received a bill or statement from XXXX XXXXXXXX XXXX about any debt or past due debt. 

I sent OnLine Information Services a letter to meet the 30 day response time frame. I disputed the debt and told them I wanted an itemized statement of the charges and whether or not my health insurance covered the charges.
Product: Debt collection

XX/XX/XXXX I noticed a charge on my XXXX XXXX XXXX checking account in the amount of {$1000.00} in the name of PayPal. I refuted the charge with my bank, they agreed this was a fradulent charge, they had seen it happen a number of times and were aware this was an issue with PayPal. XXXX changed my bank account numbers and requested the {$1000.00} back from PayPal as a case of Fraudulent transaction. PayPal returned the {$1000.00} and " Locked '' the PayPal account associated with my name, recognizing this was in fact a fraudulent transaction. 1 Year later ( XX/XX/XXXX ) I received a letter from a collections agency ( XXXX XXXX XXXX XXXX located in XXXX, UT ) stating I owe {$1000.00} from a PayPal account they now owned. I contacted PayPal and they state that because the {$1000.00} was put on a prepaid debit card before my bank was able to contact them and report the fraudulent transaction, and because the bank requested a return of {$1000.00}, the PayPal account continued to reflect a - {$1000.00} balance. Although they acknowledged the transaction was fraudulent by locking the account, they still left the balance. No communication was sent to my email, or my phone ( both of which PayPal has on file to this day ) regarding the negative amount. Not at 30 days, not at 60 day, not at 90 days, not at 180 days ( which is the cutoff date for " reporting '' fraudulent activity ) although " locking '' the account was, for reasons unknown, not considered a " report ''. The only notice I received was from XXXX XXXX XXXX exactly a year later stating they now own the account and require payment. PayPal is unable to do anything because the account was sold. PayPal is also unable to remove any of my personal information ( they confirmed my address, email, phone, old bank account numbers and SSN were kept for history and/or record keeping ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialist id # XXXX Covid19 XXXX XXXX   XXXX I don't think I have ever received worse service and customer service from a company in my entire 38 years of life. 

After being approved for forbearance from XXXX/XXXX XXXX/XXXX  due to Covid19, waiting 45 days with no response to move payments to end of loan, then making a payment, getting several conflicting answers and then being put back on forbearance, loanhas now erroneously and illegally in direct violation of the CARES ACT been reported by that company to the CreditBureaus as delinquent as of XX/XX/2020. 

At thispoint I must conclude this unfathomable incompetence on their part is gross negligence with intent to defraud your customers.
Product: Credit reporting

I am filing this complain against Equifax. Equifax made an error on the reported date data element on a negative report as a result of a short sale during the XXXX recession and has not make the correction, causing significant delays in my ability to get a mortgage loan at the current interest rate. The reported date of this negative account should be XXXX XXXX because the issue has been resolved and closed around that time. However, the date that Equifax shows on the reported date was XXXX/XXXX/XXXX, which was the date that I disputed them on another matter on this account. On XXXX XXXX, I submitted a dispute asking Equifax to change the reported date of this negative account back to XXXX XXXX. Today when I checked the status of the dispute, the date has been changed to XXXX XXXX, XXXX, which will eliminate me from getting a convention mortgage loan for next 7 years. This is so because lenders are saying that I have to wait at least 6 years for a conventional loan if you have a short sale on my credit report. It has been more than 6 years since the short sale, and I 'm trying to get a conventional mortgage loan. My credit scores are now above XXXX. However, lenders I talked to so far are unwilling to make a conventional loan offer because when they ran my credit reports through their system the reported date data element of Equifax on this negative report shows XXXX/XXXX/XXXX and now XXXX/XXXX/XXXX instead of XXXX XXXX. The other XXXX credit bureaus are fine because the reported date of the same account show XXXX XXXX. Because of the XXXX/XXXX/XXXX reported date and now XXXX/XXXX/XXXX on my Equifax credit report, I am unable to qualify for a mortgage loan. Equifax might not be aware that the reported date data element are being picked up by loan systems as the first date of a negative report. I am asking Equifax to correct this error and share this complaint with CFPB because I have a feeling that I might not be the only one. If XXXX others are impacted by this and ca n't participate in the housing market because of this data element error, I can imagine the impact of this error on the economy and the lives of so many households. Please get Equifax to understand that they are not just dealing with data. The mistakes they make have real consequences in the economy and people 's lives.
Product: Credit reporting or other personal consumer reports

I was in a car wreck in XXXX of XXXX. XXXX XXXX XXXX was one of multiple medical debts that were paid off from a personal injury settlement. A total of XXXX was paid to this company in XXXX of XXXX. At the beginning of XXXX this company attempted to file falsely on my credit report through a credit collector " XXXX XXXX. '' I disputed this twice on XXXX XXXX. The first result was " not changed, '' but the second dispute result was " changed. '' I saw nothing else from this company until the beginning of XXXX. They are attempting to falsely accuse me, again, of owing them thousands of dollars through a credit collector " XXXX XXXX XXXX. '' I have disputed on XXXX XXXX 5 times and once directly through XXXX. Every time the result is " not changed. '' This company is causing serious damage to my credit score.
Product: Checking or savings account

Bank has denied my Fraud Claim and Rebuttal based on conversation with XXXX. 

Fraudulent charges made on X/XX/2017 to XXXX.My debit card with SunTrust Bank. Computer was hacked and hackers made ' {$400.00} gift card purchase. Money was within from checking account on X/XX/2017. Called bank immediately to notify of fraud and was given Case Number. I was told that it would take 10 days to review. Received call from SunTrust investigator on X/X/2017 for information. Explained in detail of how computer was hacked and told the steps that I had taken ; notify XXXX, and other charge accounts that were hacked and had been resolved. This conversation took place on X/X/2017 at XXXX XXXX. Received denial letter on X/X/2017 at XXXX XXXX!! FIVE HOURS LATER!! Indication was based on conversation with XXXX. Bank claims it was legitimate charge, however XXXX record INDICATE OTHERWISE..FRAUD!!! Investigator told me that she would send rebuttal forms to fill out. Filled out forms I did and faxed back in X/X/2017. Received Rebuttal denial letter on X/XX/2017 from SunTrust. Immediately called SunTrust to dispute denial. Was told to contact XXXX which I did. Fraud Department reviewed the case and said it was definite fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I petitioned the court to include my Student loan in  my chapter XXXX bankruptcy. It was approved and my bankruptcy was discharged. This account should be closed and has been closed since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two issues. First, I am unable to sign-up for Equifax 's TrustId service being offered to me because of their security breach. Equifax 's website indicates my personal information XXXX have been comprised due to their recent security breach. I have attempted to sign-up for Equifax 's TrustID service twice. Once in XXXX, and again XXXX. Both times I am informed that an email will be sent to me. I have not received an email and am unable to sign-up for the service. I have been checking my junk mail. 

Second, I want to put a freeze on my credit reports. Equifax wants to charge me to put the freeze on and to take it off. This is ludicrous. They collect information on me, which I never asked to be collected, and they want me to pay them not to share information about me. This practice should be illegal. 

Thank you for your help,
Product: Credit card

XXXX XXXX, 2015 I reserved XXXX seats on XXXX flight to New York through XXXX. for {$1100.00}. XXXX XXXX declined the charge without notification to me to approve the charge. 10 hrs later my card was declined so I called to find out master card had put a hold on my card suspecting fraud at XXXX. At XXXX I called them to find out they had put a hold on my card and said they would then approve the charge. Assuming all was well I went about my business. But the next day I decided to be sure the flights were paid for to find out I had to use that day cost of flights and it was {$240.00} more. XXXX lied on their records that they had tried to call me. I called them 10 hrs. later and I am on a fraud call list. I want master card to honor their costing me {$240.00} more. Per their notes they lied about calling my cell or texting as they have read me the notes. I want justice now
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reprting Credit Act XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX account # XXXX. XXXX XXXX, XXXX account # XXXX, XXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX. XXXX Account XXXX account # XXXX, XXXX XXXX XXXX. XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602. A. I have a right to privacy.

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

I was not properly served. Default judgment been filed recently. Debt was transferred to a different servicer prior case filing. Charged off debt amount : {$15000.00}XXXX XXXX XXXX XXXX XXXX I've communicated with XXXX XXXX XXXX  they are a debt collecting law firm. 

According to IRS guidelines under **IRC 166**XXXX  once a debt is deemed worthless, it should not continue to be collected. The continued collection efforts raise questions regarding the debts actual value. 

Failure to adhere to these guidelines could result in IRS violations, which may incur fines underIRC 6700. 
IRC 6700 imposes penalties on individuals who promote abusive tax shelters or prepare false or misleading statements regarding the tax implications of a financial transaction. The fines can be significant : * A penalty of XXXX XXXXXXXXor each improper promotion or representation made. 
* If the promoter is a corporation, the penalty increases to XXXX XXXX  each violation. 


In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically **15 U.S.C. 1692g**, I request validation of this debt, including : 1. Documentation proving the existence of the debt and its current balance. 

2. Evidence showing that the debt has not been categorized as worthless for tax purposes.

3. The accounting financing statement related to this charge-off.

4. A copy of the original contract with my signature.

Additionally, under **15 U.S.C. 1692e** and **15 U.S.C. 1692f** I am entitled to request and obtain all information relevant to this debt, including any records of communications and transactions. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681b** and **15 U.S.C. 1681s-2**, I request that you cease any reporting of this account until proper validation is provided. 

I also wish to address your recent filing for default in court regarding this matter. Given the principles outlined in both the FDCPA and FCRA, I request that you dismiss any legal actions related to this account until proper validation is provided. 

If this debt is indeed considered worthless, I ask why collection efforts and legal proceedings are ongoing. I expect your response within 30 days and anticipate a resolution to this matter. 

Thank you for your prompt attention.