23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 at am, XXXX XXXX ( called from XXXX ) from Bryant Bryant & Associations asking for XXXX. He said he was an investigator looking for XXXX XXXX, and she was listed as next of kin. He claimed his client says XXXX is going around writing fraudulent checks and had been writing them to his client. XXXX asked who the client was, XXXX XXXX gave her a fax number for her to fax ( XXXX ) a Power of Attorney to speak on XXXX 's behalf about the case. I looked up to find they are a debt collection agency and I could not get through to a line. I, XXXX, do not owe anything, nor is it in my credit report of any missed payments, and I know for a fact I do not write checks due to the type of account I have. I have not received any notice on my report nor by mail of anything and feel I am being targeted because I am a XXXX senior. Plus, XXXX has not been listed on my forms in the past for anything let alone the number they called her on is not her personal number. I'm not sure if she is being the one actually targeted because she is 100 % XXXX permanent and total.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to DELETE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

MR. XXXX calls and tells me he is with the legal department. Claims to have a check that I issued and left them with. I have never issued them a check. In XXXX I told him I have an account with XXXX  XXXX, infact I have 2 other credit cards with them thru XXXX XXXX which is owned by XXXX XXXX as well. Therefore If I owed XXXX XXXX, why would they turn around and issue me 3 more. I have asked him to STOP calling me. He continues to call from this number XXXX. Today I called back and the lady that answered pulled up my number and said " I apologize for the call, I see we have you on the do not call again list ' disregard the call. Then about about 4 hours later I get a call from MR . XXXX from XXXX, I got 3 calls from there and answered to find it was him again, threatening to take legal action, threatening to come to my job or home to serve me. At first I didn't know it was him, I told him what are you talking about and he said This is MR. XXXX, you called the collection agency this morning did you not! I then realized it was him and once again I said STOP CALLING ME! And I hung up.
Product: Debt collection

I have requested multiple times from XXXX XXXX for them to not only post what I owe on my patient portal so I can make payments but for them to also mail me a breakdown and non of this has occurred. I was also told that a supervisor would reach out to me to discuss why they can't post it to my portal and resolve this issue and that also never happened. I do not want to be in debt, like everyone else we are all struggling, HOWEVER, I have the right to know where my money goes and proof which is why I want it on my portal AND have the right to make payments which seems like that is not what they are willing to do. I also have the right to ask for the breakdown of what I am paying for which also seems like they are trying to avoid.
Product: Debt collection

In response to XXXX, Collection Professionals and their agent keep giving mistruths, which is against federal law. The agent, XXXX states in his response it was determined that we had reviewed the incorrect account when stating the insurance has been previously billed. The agent has violated the law again in writing by stating originally that insurance had been billed and denied. Continuing, the agent ( XXXX XXXX continues with documented mistruths that he provided. I have attached documentation and notes from our client that explain several attempts were make to the consumer to get resolved. The agents own documentation show XXXX ( XXXX ) attempts ( which are attached ), XXXX on XX/XX/year> and XXXX on XX/XX/year>. Several is not XXXX ( XXXX ) under the law and XXXX  should know this. Their own client has admitted that they have reviewed my address and someone placed the city name in their computer incorrectly. Therefore, this should NOT be a collection and needs sent back to XXXX  client to complete billing to the insurance ( as it was supposed to be ) and the bill sent to my correct address. It is not my fault that their incompetence put the incorrect city in the computer. XXXX  is facing a lawsuit by me for violation of the Fair Debt Collection Act for giving mistruths and providing information that has been proven to be untrue.
Product: Debt collection

On XX/XX/2023 collections account from Berlin - Wheeler inc was reported to my account for the amount of {$300.00}. The company is from XXXX XXXX  which I have no knowledge of and I never had this account. This account was open fraudulently, and it is not mine. The address provided for this account is also incorrect. I never leave at this location. I have documents, providing my current lease to prove my address. 


In accordance with the Fair Credit Reporting Act, [ C ] has violated my rights. 

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

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

I received a debt collection notice saying I owed XXXX XXXX XXXX {$38.00}. This was the first I had heard of owing this amount to them. I responded to the debt collection agency per their notice. Asking for a copy of this statement. Their own paperwork says that if I wrote them by XX/XX/24 they must suspend and responded with the information. I never received this information either. Now they send me a notice saying I MUST pay this amount immediately to avoid legal ramifications. Quite frankly, Its quite pathetic that my over XXXX credit scores takes a hit because first the XXXX XXXX  can't send me a bill, they send me to collections, who can't follow through with their promises to send me a bill. This is harassment at this point. 

I pay my bills, the ones they SEND ME, my credit scores proves that imo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing is still reporting incorrect information on my credit report & I'm trying to refinance at a lower rate & because I have disputed the incorrect information, there is a problem & I will not remove the dispute & may lose the financing. 

What is strange is that right at the time I applied, XXXX contacted me to refinance with them. They are insane. Below is the correct information : I have a letter from SLS showing they were paid off XX/XX/2021, YET THEY REPORTED ME 30 DAYS LATE!!!!! 

The XX/XX/2021 payment was made XX/XX/2021, check # XXXX sent via usps Priority Mail, # XXXX XXXX XXXX XXXX XXXX XXXX & I have their receipt via email ; YET THEY REPORTED ME 30 DAYS LATE!!!!! 

I have not attached them because my husband died & I'm not digging out their information again. 

THEY NEED TO FURNISH THE INFORMATION. The burden should be on them for THEIR ERRORS OR DELIBERATE MISREPRESENTATIONS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED HELP MANAGING MY CREDIT FILE. 
PLEASE UPDATE MY PERSONAL INFORMATION. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.
Product: Credit card or prepaid card

Regarding Comenity - XXXXXXXX XXXX XXXX My previous balance was {$780.00}. I used online banking to send a check for {$780.00} which my bank verified posted XX/XX/23. It was not credited to my account. Comenity says I have a one time option to wave the late fee, but refuse to remove the interest on the balance due even though I paid in full. If I dispute it with my bank, it will be 10 business days to return the money to my account. At which point, if I send a new check, it will be late for the next billing cycle. Remember, I can only have ONE late fee removed, thus, they will get the fee one way or another. I really have no accurate way to determine how to pay the next month in full to avoid interest. I was able to scrape together a partial payment of {$190.00} and sent it on XX/XX/23 with bank estimating arrival on XX/XX/23. However, Im showing {$46.00} interest and {$30.00} late fee which is what I am disputing. 
Needless to say, I will be cutting up this card and closing this account as soon as I can get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a dispute to Experian to remove inaccurate information which they refused to comply with. IN response, they sent me a copy of my " dispute results '' which showed account information for XXXX accounts that do not belong to me. These accounts were the only accounts in the dispute results form of which I am not the owner of, or authorized user of. This means they mixed up my credit file with another consumer, sending me their results which means they sent me someone else 's. This continued lack of incompetence from Experian is appalling and incredibly damaging to my credit profile, as now I have to monitor my credit daily to ensure that no one has gotten my personal information from them sending my credit file to an unknown person. This may cause irreparable damage to my XXXX XXXX. As I am in the middle of buying a house, I have had to delay that in order to ensure when the mortgage lenders are pulling my credit profile, it is indeed mine and not the other consumer 's. 

This is beyond unacceptable and Experian should not only be ashamed, but prohibited from being the source of credit reporting as they have shown in their history with multiple lawsuits. As a result of the delay in my ability to close on a home, I have also now been forced to lose out on reduced interest rates, meaning I will have to pay more over the course of my mortgage due to their lack of appropriate reporting. 

An example of deliberate misreporting, I filed a direct dispute for an inaccurate address which they claim to have verified which is impossible as no such address even exists, which proves they use electronic means to " Verify '' rather than doing the actual legally required investigation. This address does not exist and they refuse to remove it : Before XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX DC. XXXX After : XXXX XXXX XXXX, Washington XXXX DC. XXXX Neither address are correct nor do they make any sense. I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX DC. XXXX I also lived at XXXX XXXX during the duration of my tenancy. Either way, the address as listed above don't make sense, and are non deliverable. The second ( updated ) address makes even less sense as it doesn't even include a building number and just list the XXXX different apartment numbers. 

Also, Experian strategically has " pre-populated '' consumer statements which is restrictive and does not allow a consumer to fully list or identify a circumstance relating to their credit profile that other creditors should know. This is limiting accurate information from being identified in a statement as Experian knows they will not update a dispute correctly and don't want other agencies to know that by allowing a consumer to list or write a statement in free form instead of limiting them to a pre-populate XXXX sentence consumer statement that they have found to be appropriate which is incredibly biased.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLORIDA XXXX XX/XX/XXXX/XX/XX/XXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Collection Agency :XX/XX/XXXX Account Number : XX/XX/XXXX Amount : XX/XX/XXXX Date of Account : XX/XX/XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA. 

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

I am writing to demand that [ XXXX ] immediately cease the improper reporting of late payments on my credit report. The reported late payments are inaccurate and do not reflect my actual payment history. This erroneous information is causing undue harm to my credit score and financial reputation. Under 15 USC 1666b of the Fair Credit Billing Act, I have the right to challenge these inaccuracies and request prompt correction. I insist that you investigate this matter immediately, remove any incorrect late payment entries, and provide confirmation of the corrections made to my credit report. Failure to address this issue in a timely manner will compel me to pursue further legal action to protect my consumer rights. In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions. The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as [ XXXX ], must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation 1026.9, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding the severity of the violation. I did not give written authorization for this account to be furnished on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

-Public Records section of my report indicates there is a claim of : " US BKPT CA XXXX XXXX XXXX XXXX Chapter XXXX '' This Bankruptcy was filed by my estranged husband and I was jointly thrown into it illegally since I was simply an authorized user, yet shared no accounts. Then, I am told, the Bankruptcy, was revised into a Chapter XXXX repayment plan to include his business entities and so on. I have explained this over the phone many of times and only received generic correspondences from Experian regarding my concerns and this complicated scenario and yet each time they shut me up and blindly verify whatever they see and leave the Public Record there on my file for their own protection. I was not a part of his Chapter XXXX repayment and owed no debt to the trustees. Please understand, I am not responsible for the county clerks irresponsible record keepings! I have immaculate credit and I am a great consumer and this is damaging my credibility and credit score. The Chapter XXXX turned Chapter XXXX combination is found under another name, closed by trustee. The debt has been repaid in its entirety, he has provided the information to me to pass along to you ; Chapter XXXX Bankruptcy, XXXX docket # XXXX. The change in circumstances are hurting me as the false record is even nearing over XXXX years old, please remove it. Also, the information where it claims the original Bankruptcy was in XXXX is also inaccurate, it was filed with an attorney, though later changed, in XXXX. 

Also, there is personal informations appearing on my credit report which are not true and I would like them removed immediately because I have no idea who these people are and what has occurred at these addresses as they have NOTHING to do with me and are compromising my integrity. I have no association with these names or addresses. Please delete the following as well : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a  home loan and this was not my mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is reporting INACCURATELY. 

XXXX XXXXXXXX XXXX Account Number : XXXX This account should not be considered late for 90 days 55 times. This account has been charged off since XX/XX/2014 yet is still reporting late. Please prove that this account was in fact able due for a payment on those dates after and prove that the owner of the account had legal right to collect payments for those alleged late dates or REMOVE THE ACCOUNT FROM MY REPORT. 

This account was also removed from XXXX I have requested paperwork proving the accuracy according to section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Vehicle loan or lease

Subject : Request for Information Regarding Account - Ref via CFPB complaint Dear Finance Department, etc. Al I am writing to formally request verification of the charge-off status and the issuance of Form 1099-C for the account linked to the reference number provided above. 

This request is made in accordance with IRS guidelines and regulations. I kindly ask you to provide me with the following information : XXXX. Confirmation of the charge-off status for the account. 
XXXX. Details concerning the amount of the charge-off. 
XXXX. The date on which the charge-off was officially recorded. 

Additionally, I would like to request a copy of Form XXXX for this account. 

If the company is unable to supply these documents, I expect the reported information to be deleted from the credit bureaus within 14 days. Otherwise, I will take legal action for remedy afforded to me by law and a full forensic accounting including gathering XXXX/ XXXX  XXXX. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card

I received notification on XXXX XXXX that my account was closed. I called them on the same day, they said that it was likely a bug to be resolved within 48-72 hours. 
I called them about 5 days later, they said it was a bug and would resolve it. 
About 2 days after I called again and they said it was showing that it was due to a charge that had previously bounced - however that charge was related to a corporate/business account that bounced when XXXX collapsed and the company had to move accounts from XXXX. 
Also the account that bounced was for the business cards which AMEX left open, however, they decided to use that as an excuse to close my personal account. I have not heard back from them till date despite multiple promises to do so