23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

LJ Ross and Associates called me repeatedly over a several month period beginning around XX/XX/XXXX. They called demanding payment for a utilities bill in an apartment I rented in XX/XX/XXXX. Calls from them included robotic calls attempting to obtain my Social Security Number, and collections agents attempting to collect the debt and warning me vaguely about the consequences ( never specified ) if I failed to pay. After Finally paying the amount, giving them my credit card information on XX/XX/XXXX I became curious and reviewed my utilities payment to the company they claimed to be representing ( XXXX XXXX ). All bills had been paid on time, and the month they claimed to be collecting for never had a delinquent payment. Furthermore, they requested around {$87.00}, when the bill amount was {$140.00}. Further research online revealed multiple instances of the company refusing to settle issues such as this, and putting collections tags on credit reports even after the debt was proven to be non-existent.
Product: Checking or savings account

XXXX ) On XX/XX/XXXX, they debited me XXXX euros for an email program in XXXX that I use. 

Paid with ( XXXX XXXX XXXX XXXX  ) {$23.00} on XX/XX/2023 Exchange rate {$23.00} USD = XXXX EUR XXXX USD = XXXX XXXX XXXX XXXX XXXXXXXX XXXX. payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Purchase details Purchase amount XXXX EUR Total XXXX ) the XXXX euros came up to XXXX, as you can see. From their own account. 
Then they debited me for the same service {$23.00} ( not in euros, but in dollars. ) there was no money in the account. So now I am negative {$23.00} XXXX ) then they went ahead this morning and charged on my other debit card ( XXXX ) {$23.00} So I have paid 3 times for the same service The attachement in red is PayPal And the attachment in black is from XXXX 
As you can see I am paying three time for the same service. 
XXXX  is saying PayPal direct debited them. They have nothing to do with it
Product: Debt collection

I recieved a credit alert that a new collection account was added to my consumer report. This is a fradulant account that needs to be removed immediatly. I have never consented to any reporting plus i have never recieved notice of a debt prior to reporting. I dont know the compa y reporting or the " original creditor ''. I would like a XXXX XXXX. I need more information about how this company aquired this fraudulent account, how much they paid for the debt, and the full accounting in accordance to GAAP. This company is also infrinding on my copyright. This will serve as notice given. Continued use of my property will be consided knowingly and willfully. I will not tolerate this.
Product: Debt collection

I was contacted in XXXX and threatened with jail time if not paid. I hung up as I knew it was a scan. I received another call from a different company and was contacted again on XXXX. I asked for proof of debt, they emailed me a document to be signed I would pay {$10000.00}, however, this is not proof of debt as asked. The original amount stated was discharged in bankruptcy in XXXX. The company stated it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i called XXXX to Dispute Varies Inquires that appear to be on my Credit Report, i did advice that i appeared to be a victim of Their Inquiry issue, however the rep then denied to assist me.. 
XXXX - XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XX/XX/18 Also Mentioned that i have XXXX XXXX XXXX, that have already been paid and has not been removed.. they mentioned it will take up to XXXX days to be removed.. please assist me
Product: Debt collection

Improper use of my report .In accordance with the fair credit reporting act. This creditor ( CREDIT ACCEPTANCE ) has violated my rights under 15usc1681 sec602. States I have the right to privacy 15usc1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account with out my written consent .Under 15usc166b a creditor may not treat a payment on an open consumer credit plan as late for any purpose. 
I have spoke with several representatives at this company last representative we set up an agreement I have been following .I was told all late payments would be removed and they have not .Most of the late payments have came from the covid when it hit.
Product: Student loan

I have called twice within the last week to obtain information about my eligibility for and options regarding repayment plans, due to a change in circumstances. Navient the loan services has refused me information and has attempted to tell me that they can not discuss what options I have available to me until I have an outstanding payment or negative balance on my account. I have asked to be informed of my choices and options and let them know my circumstances will be changing. They are hostile and uncooperative. They are unwilling to discuss my options and are telling me that until I have a statement that shows a payment needs to be made or I am late on payments they can not discuss my options. I have previously had issues with this servicer and I know that when your account is past due they are unwilling to work with you as well. It appears they are attempting to stall in order for me to be late and the company to capitalize on interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to dispute the validity of the entry on my credit report with the credit bureaus and now with the creditor directly. Credit collection services has received disputes directly from me on XX/XX/XXXX & XX/XX/XXXX respectively requesting verification as well as method of validation. The status remains open although I have never held an account with this entity. They have sent proof of a automated bill from XXXX in which they have no verifiable legal right to receive any payment. Under FCRA U.S Code 15 Section 1681i ( a ) ( 5 ) ( A ) ( I ) I demand, as my right as a consumer that this entry be deleted. Attached you will find supporting documents of communication.
Product: Credit reporting or other personal consumer reports

Dear Agency.

This letter is a formal complaint that you are in direct violation of my privacy rights.

I am distressed that you have included the Information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to respect my rights to privacy.

Per 15 U.S Code 5 1681 ( a ) ( 4 ) ; There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and respect for the *Consumer 's right to privacy '', I am beyond embarrassed and humiliated this should not be reported to my credit report therefore the following information needs to be removed or else I will be forced to move forward with litigation.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance. 
Bankruptcy CASE # XXXX Under federal law, you have thirty ( 30 ) days to respond to this request an updated report showing that this Bankruptcy has been removed From my record and provide me with proper prof that it have bin remove.
Product: Bank account or service

I attemeted to cash a check in my account given to me from my dad who has the same name and also had bank of america aswell. later my acouunt was closed as " fraud ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX : XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX However, Experian sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.
Product: Debt collection

I provided a copy of a motorized affidavit regarding identity theft to Rent Debt Automated Collections as per their letter. I have circled in yellow what they asked me to which was to provide ONE of the described items which I did. Please see attached letter from Rent Debt circled in this complaint. Also you will find a copy of Rent Debts response to the CFPB saying I provided an incomplete identity theft package. This is a lie. If you read their letter I complied with the request. Rent Debt is frequently sued for unlawful debt collections. This is an identity theft case snd I provided an original notarized affidavit at their request on their letter. I am also providing a copy of one of a series of letters sent to them disputing this debt. I am also attaching an identity theft case number filed with FTC.gov regarding identity theft. I am not providing my social security card or my license to a debt collector. This is not my item and I complied with the letter sent to me by Rent Debt as you can see by the cut led part of their letter. They misrepresented their response to the CFPB. This is identity theft snd thus must be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX File Number : XXXX Experian Report Number : XXXX XXXX Report Confirmation Number XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX I recently found i was involved in the XXXX Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed I have these accounts called and disputed with XXXX Experian & XXXX and this problem never got solve now i'm reaching out to you guys for help!! these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Product: Debt collection

XXXX XXXX XXXX charged off account on XX/XX/14 for {$340.00} bad debt. Then Midland credit management bought the debt to collect from me with a different amount. of {$590.00}. 

The statue of limitations has passed. This debt is no longer my responsibility. 

Please help
Product: Debt collection

I visited a XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX FL two years ago. As a result, I had XXXX XXXX  XXXX to be exact so I paid out of pocket which means you have to pay upfront. debit card To be exact! long story short I received 4 XXXX XXXX that was not done correctly which ended up needing a XXXX XXXX XXXX on one of them due to the XXXX not being properly XXXX. as a result, it was a horrible story I contacted the XXXX a week later telling them about the pain I was experiencing even after them telling me lies stating the filling just need to be filed down or given a few weeks which turned into months. I wasted over 200 dollars dealing with XXXX XXXX XXXX. So after telling them of my dissatisfaction and to refund me for the terrible service they decides to not refund me or credit me and years later place the balance on my account as unpaid with some credit debt collection called XXXX XXXX XXXX on XX/XX/XXXX and it appeared on my credit report on XX/XX/XXXX to all 3 credit bureaus because I decided to dispute the transaction off of my debit card years before now all of a sudden I owe them wow so fraudulent. If i wanted to be evil I could've filed a lawsuit against XXXX XXXX for providing me with unprofessional XXXX work causing me XXXX   and pain. This XXXX place is a fraud. It has terrible reviews, they're doing terrible work and not resolving the issue and placing the fraudulent bill on people credit. I have contacted them before and I will contact them again and let them know of this issue.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 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 months that are reported late 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: Credit reporting or other personal consumer reports

These inquires are fraudulent and i did not authorize them
Product: Checking or savings account

On XX/XX/2023, I logged into my online account and noticed my son was assessed a NSF fee on his checking account. I thought that since my son was the age of XXXX ( a XXXX  ), he could not overdraft his account. I proceeded to chat with a representative via their online chat function in an effort to explain how I understood the policy to work. I also asked if they would consider a courtesy refund, since my minor was upset that his account was overdawn. The representative immediately declined my request. I was not happy because I had 7 other active accounts with RBFCU, all which had sufficient funds. I requested to escalate my complaint and was told to contact their member service number. I called the number, repeated my story and refund request to a rep by the name XXXX. She put me on hold to talk to her supervisor ( XXXX ) and when she got back on the line, she asked if she could connect one of my 7 accounts to my son 's checking to avoid the issue going forward. I thought this was a condition that needed to be met in order to get my refund request approved. After I authorized her to connect any one of my accounts to serve as overdraft protection, she told me her supervisor declined my request. At this point I am extremely upset for many reasons, one being that she had me link an account I would not have linked had I known my request was going to outright be declined. I asked XXXX why her supervisor declined my request and she said, because I authorized the transaction but would/could not expand on any other reasonable explanation. I felt that if I had a non - XXXX name, my request would have been approved. The next day, I closed one of my money market accounts in the amount of XXXX and moved it to another institution, however, it has not sat well with me that out of the 3 employees I worked with, none were willing to service me as I expected. I'm extremely disappointed at the way my request was handled and have taught my son how to manage his accounts, however, the credit union must be willing to understand that not all people understand how overdraft policies work and need to be more empathetic in every situation.
Product: Credit card

On XX/XX/2023 I was notified of unusual activity on my AMEX credit card ; a card in which I never have used. Someone was fraudulently putting {$520.00} into an Amex Send Account. I also noticed that the phone number associated with my account was changed the next day- to a number that I did not recognize ( I also reported this immediately ). I immediately reported the fraudulent activity the same day. They sent me a new card and couldnt provide anything further until the investigation was completed. I waited several weeks and was told a formal investigation was never officially opened although I alerted them of the activity from day one. So they finally opened up a formal investigation in XXXX XXXX XXXX after several complaints and calls with the company. By law, I can withhold payments to the account since all activity was fraud. I was being charged interest and late fees during this time period due to no fault of my own. On their billing statement, it clearly stated that I was not liable for payment for the {$520.00} in reference to fraud on my account, so I did not make a payment. In XXXX XXXX XXXX, I was notified by email that the charges of interest and the amount of {$520.00} that was fraud on my account had been refunded. I assumed that they also refunded the late payment fees, but they did not. I called them again in XX/XX/2023 and they are refusing to reverse the late payment charges associated with the fraudulent activity, although their terms state that I am not liable for any fraud associated on my account. Charging me late payment fees is holding me liable- and is a breech of terms of service. I would like American Express to solve this matter immediately and to own up to their own mistakes and terms of service.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I filed a dispute with Checkr regarding a background check it conducted for XXXX. Checkr 's report incorrectly included a conviction belonging to a different person ( XXXX XXXX XXXX ) who according to public records never shared an address with me, and is a foot taller, but shares a date of birth. I provided my Driver 's License showing my correct identity, and specifically asked Checkr to disclose the source of the challenged material ( ie, where they got the idea that we were the same person ). Checkr re-investigated and was unable to identify any source for its allegation yet nonetheless refused to correct the consumer report.
Product: Credit card

XXXX. XX/XX/XXXX - Applied in store for a XXXX XXXX XXXX XXXX Credit Card XXXX. At the same time I applied for the card, I charged several XXXX dollars and received the XXXX XXXX XXXX XXXX credit card discount. 
XXXX. As instructed, I registered on the Fortiva website ( XXXX XXXX uses Fortiva to handle the credit card transaction ). 
XXXX. XX/XX/XXXX - At the Fortiva web site, I paid 100 % of my XXXX XXXX bill with another credit Card. 
XXXX. XX/XX/XXXX - Received a letter from XXXX XXXX that informed me I was turned down for the XXXX XXXX XXXX XXXX Credit card. 
XXXX. XX/XX/XXXX- Fortiva charged me the credit card annual fee ( approximately {$50.00} ) XXXX. XX/XX/XXXX - emailed and called Fortiva to explain the above and told them I was not going to pay the annual fee for a credit card I was turned down for. 
XX/XX/XXXX- Fortiva added late fees. Now I owe approximately {$150.00} XX/XX/XXXX - XXXX XXXX decreased by approximately XXXX points XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- emailed and called Fortiva stating the above information and asking the annual fee be removed since I was turned down for the credit card. 
XX/XX/XXXX- Spoke to a XXXX XXXX store manager. The manager said the store can not help. They did try.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I personally went to the XXXX XXXX of Missouri courthouse and requested a document stating that the courts do not report to third party credit bureaus. On XX/XX/2023 I received a response from the court stating that they do not report bankruptcy to anyone. So if that's the case how did the credit bureaus verify my bankruptcy is 100 % accurate? They never did a fair investigation according to 15 USC 1681. 

15 USC 1681 section 603 State the terms investigative consumer report means a consumer report or portions 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 others with whom he is acquainted or who may have knowledge concerning any such of the information. However, such information shall not include specific information on consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor or a consumer or the consumer. 

They have also violated my rights numerous of times.

The credit bureaus violated my given rights under 15 USC 1681.

According to USC 1681 section 6028 States I have the right to privacy.

According to 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681 a person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Someone stole our Capitol One credit care #, randomly, and charged {$100.00} to XXXX online dispursement center for a purported watch. It was shipped according to XXXX to an unknown address in XXXX, DE. We live in XXXX XXXX, NV and do not use online shopping or paying of bills with any credit card. This card has only been used XXXX in 3 months. Capitol One is not doing anything but giving us a new card with a temporary credit. Our APR on this card is 17.99 percent per year. That is too much for a 10yr old credit card with low limit.