23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I'm filing a complaint against GLA Collections Agency XXXX XXXX XXXX, XXXX, KY XXXX. 
They have put several medical bills on my credit report that do not belong to me. I've requested itemized statements proving said debt multiple times over the past couple years and I have yet to receive those statements. I also have letters from the original healthcare provider stating that this debt is not mine and a copy of the letter they sent GLA telling them to remove it from my name. The debt was fraudulently put in my name. GLA continues to refuse to remove the debt from my credit report. 
Debt # 1 - {$110.00} Opened XX/XX/XXXX Debt # 2 - {$150.00} Opened XX/XX/XXXX Debt # 3 - {$290.00} Opened XX/XX/XXXX Debt # 4 - {$360.00} Opened XX/XX/XXXX I've spoken to the credit bureaus and they found that someone with a similar name and with a social security number that's different by one number has information on my credit reports. I've asked GLA multiple times for proof of this said debt that includes an itemized statement of said debt with the same and original signature of the patient. They refuse to give me this information. And they refuse to take it off my credit even when the original provider sent them a letter stating that this isn't mine. I need this removed immediately as they are causing great damage to my financial status. I am unable to get a needed loan because of them.
Product: Credit reporting or other personal consumer reports

I dispute a collection agency call resurgent on my credit report for transuion on XX/XX/2023 and I have not heard anything from them
Product: Credit reporting, credit repair services, or other personal consumer reports

A negative collections flag appeared XXXX XXXX on my account from XXXX XXXX XXXX. I happened to be getting married, so I was not paying attention to my phone at the time. Once we got back around XX/XX/XXXX, we found that my account was still flagged and had lowered my score 121 points. On XXXX XXXX I called XXXX using my free credit service with XXXX to see what was going on. They recommended calling XXXX XXXX XXXX. I called XXXX XXXX XXXX  that same day and gave them my information to find out what kind of collections I owed. They could not find my name in their database and told me to submit a dispute. I submitted a dispute to XXXX XXXX XX/XX/2019. I didn't hear back about the results until XXXX XX/XX/2019. XXXX said the collections was legitimate even though I knew it wasn't from a basic call. I am now trying to submit a complaint in order to get this dispute resolved. I also checked Equifax and found the same collections had made its way there and I just submitted a dispute with them XXXX XX/XX/2019. I've had to do this before and know that it will take 30   days, and then require another complaint to CFPB. If there was anyway that I could take care of both credit agencies without having to wait so long that would be a lifesaver since we've been trying to find a place to move.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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

I called and asked that they remove the comment on my XXXX Credit report " customer disputes ''. I do not dispute and agree that it is my bill. I was told I 'd have to pay the bill before this was done.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent the amount of {$170.00} to XXXX in exchange for a program system. He refunded me once but the second one he did not. I gave him a total of {$350.00} dollars. I only got {$170.00} back. I would like the other half back.
Product: Checking or savings account

On XX/XX/XXXX, a loan was taken out in my name in the amount of {$4100.00}. After all the activities that took place, I was scammed for this amount of money ( please see the attached police report ) I contacted my bank and I was provided a provisional credit of {$4100.00} until further investigation. On XX/XX/XXXX, the provisional credit was reversed stating that no error was determined. At the same time {$4100.00} was also reversed out of my checking account leaving my account with a negative balance of {$3200.00}. Then they went into my savings account and took {$3200.00} to satisfy the overdraft from my checking account.. I went to the branch of Navy Federal Credit Union in XXXX on the XXXX of XXXX requesting more information about the loan that I did not initiate and was told that I could not get information. It had to be subpoenad. When I asked certain question about the loan application, I was told that I worked for a company called XXXX XXXX XXXX and that I made {$4300.00} monthly. And my tenure was for 4 years and 3 months. My payroll check is directly deposited into my Navy Federal account every two weeks from XXXX XXXX. I have only been working for them a year. The past 5 years prior, were spent taking care of my mom until she passed away.
Product: Credit card or prepaid card

I had my card skimmed and cloned. On XX/XX/2018 my card was declining at a gas station and upon checking my account I saw it had been emptied. There were 5 fraudulent transactions on my account. XXXX charge for {$3.00}, an XXXX membership for XXXX, a XXXX charge for {$27.00}, and two XXXX XXXX charges, one for {$250.00} and one for {$220.00}. After calling my bank they returned the XXXX charge, and eventually the XXXX and XXXX charges. I filed a police report and cooperated with the bank to try to get my money back for the XXXX XXXX charges. They first mistakenly disputed it as billing. After almost a month they declined the dispute. Someone finally understood what I was saying after I called them back and re filed it as fraud. It is XX/XX/XXXX now and they are refusing to return the XXXX XXXX   charges.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by a man XXXX ( the XXXX ), XXXX was transferred from my account via cashier checks in the total amount of XXXX USD
Product: Credit reporting, credit repair services, or other personal consumer reports

I was driving with XXXX and as part of their background check my ability to drive as a partner for XXXX  was restricted based on incorrect reporting of drivers license abstract. The company who is providing such information has not obtained written permission to provide my information. When I checked with NJDMV and legal attorneys, my record has no points and it is considered as legally eligible to drive. 

This company Checkr.com is using my information and providing it to other companies which is resulting in adverse action. I was making extra income to support my family of 6 people and now due to their incorrect reporting I have incurred loss in my income.
Product: Debt collection

On XX/XX/year>XXXX  I received a text message from the company out of the blue! Never heard of them and NEVER gave my consent to be texted by them. 
In XX/XX/year>XXXX  I got another one! 
Told them to read the law, they must have my consent to text me.
Product: Checking or savings account

LendingClub Bank Checking account ending in XXXX are frozen on XXXX. Upon requested, I have submitted all the documents along with explanation of the recent deposits/withdraws. 

My client verified with his bank ( XXXX XXXX XXXX ) the checks are cleared with sufficient funds, and LendingClub bank continue kept our funds frozen without proper notice. 

As of XXXX, the contract between my client and our company is in a halt and incurring consequential delay costs.
Product: Mortgage

A complaint was submitted late last year regarding NewRez incorrectly reporting a missing payment in XX/XX/2023. XXXX XXXX replied and I sent a response on XX/XX/2023 to his email on the response letter. After a month, I did not receive a reply and called the number on the letter and left a voicemail. There was no response. This company is unresponsive and reports things incorrectly. They do not value the customer or care when something is done wrongfully. 

NewRez claims that they contacted us regarding late payments but we were never called. We submitted all payments on time and called the company when we did not see the payments debited. After doing a XXXX search, I see that this is a common practice as they have ruined numerous people 's financial records. Please investigate this company and their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened a XXXX XXXX XXXX credit card in XX/XX/XXXX and I had missed two payments in XXXX and XX/XX/XXXX. The merchant chose to close my account and I paid the {$900.00} balance in full in XX/XX/XXXX. The information reporting on my Equifax and XXXX credit reports do not match and are not accurate at all. How can this be? This account has been closed for almost 8 years at this point and should not appear on any of my credit reports. 

-The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my Equifax and XXXX XXXX reports. 

-My line of credit was not {$600.00}, it was {$800.00}. 

-My highest balance was not {$410.00}. 

-Status updated can not both be XX/XX/XXXX ( XXXX XXXX and XX/XX/XXXX ( Equifax XXXX. 

I need this account removed from all credit bureaus as it is negatively affecting my ability to obtain new credit. I have addressed this with XXXX XXXX  XXXX and all 3 credit bureaus and no one has resolved this issue for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 ( I don't have specific dates ) my credit account with XXXX XXXX XXXX XXXX was no longer being reported to Experian and was removed from my credit report. Since then, I've been going back and forth with them and Experian letting them know the account was removed from my report and it needs to be reinstated. The account is open and I can use the card associated but it's not on my credit report. I keep getting the runarounds and I'm exhausted.
Product: Debt collection

I took out credit card as a XXXX. The card had a high amount and I used it on books I never received notice or contact from credit card company for long time and belive statute of limitations is past. No agreement letter or arrangement was ever received. This debt went unnoticed
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act clearly states that all the information on a person 's credit report should be accurate. If the information on the credit report is not accurate then this is a violations of my rights under the Fair Credit Reporting Act for which I can claim damages in a court of law. 
On my credit report it is saying that I owe Conserve {$2200.00}. I do not owe Conserve any money as I have no signed contract with them. I am therefore asking conserve to provide me with the signed contract that I had /have with them showing that I owe them this money. 

There is no such contract and so converse should delete this information from my credit report immediately. A failure to do so will result in taking legal action to recover damages. 

Conserve needs to show proof or the reason why I owe them this debt when I had no signed contract with this company at any time. I don't owe Conserve or any other company any money.
Product: Debt collection

Hi FFRS of MA ; HIPPA violations for this alleged program. I am filing a formal complaint regarding a violation of my consumer rights under various sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions. I demand that all methods of communication and collections on this account cease immediately. I request the immediate deletion of this account from my credit report as I do not recognize this account, have no knowledge of it, and have no prior contractual obligations with the company in question.

You have violated my rights under the following sections of the FDCPA : 1. 1692d : By engaging in conduct that harassed, oppressed, and abused me in connection with the collection of an alleged debt, including sending a collection letter containing veiled and empty threats of legal action.

2. 1692e : By using false, deceptive, or misleading representations in connection with the collection of a debt, including the following : * 1692e ( 2 ) ( A ) : False representation of the character, amount, or legal status of the debt in the collection letter.

* 1692e ( 5 ) : Threatening to take legal action that can not legally be taken or is not intended to be taken.

3. 1692g ( b ) : By engaging in collection activities that overshadowed or were inconsistent with the disclosure of my right to dispute the debt, as stated in the collection letter.

4. 1692f : By using unfair or unconscionable means to collect or attempt to collect the debt, as alleged in the misconduct detailed herein.

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX wont remove all the negative items I am disputing that are not mine a lot of information is incorrect and it is a hassle trying to get them to remove these things. 
Especial this car from XXXX that is not mine that need to be removed! My father has the same name as me and racked a lot of debt in my name he is now in jail and I need to have these items removed!
Product: Credit card or prepaid card

Cashapp says these transactions were voided, but whether they were voided or canceled by the merchant or the card company after I, the cardholder, already pleaded to have removed and returned was denied. Whilst that was still happening my injuries incurred and are still incurring. Does the company Cashapp deny that at the time of this happening that I was injured and that is because of Cashapp posting cash for these transactions in which was never supposed to be posted in any fashion or reasoning? 

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

I just recently received a lawsuit settlement check from CFPB V Freedom Debt Relief Third party Administrator -7033 brought against The XXXX XXXX XXXX XXXX  charged a settlement fee where there was no actual debt settlement It was for all part of the fees I paid XXXX I recall meeting with them because I changed my mind about using there debt relief services, and somehow they managed to convince / confuse me that it would be of my best interest to have their services instead of filing bankruptcy I decided to go ahead as planned and for months/ year or more I paid them monthly payments // finally they did some kind of consolidation write off and I no longer had to pay them off ; ; ; after all of this time paying them mega bucks they allowed me to be labeled Bankruptcy on my Credit Report!!! I struggled with having Poor credit filed reporting for years *** I guess what my question to CFPB is Does Freedom Debt Relief owe me back pay for more ~ $ XXXX than the {$5200.00} settlement check? 
I dont have the exact dates of when this took place but Im guessing 10 yrs or less ago,,, and CFPB should have the records and information used to get the settlement check to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX ( XXXX ) XXXX cell
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 XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$630.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent my final letter to Experian letting them know that there has not been a physical response nor investigation done on the multiple dispute letters that were being sent regarding various accounts on my credit report. Letters were sent XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is ridiculous and unfair that you can not get any cooperation regarding negative and inaccurate accounts on my credit report. Such as XXXX XXXX XXXX showing a past due {$5400.00} This account was paid off by insurance company and covered by XXXX XXXX also due to being loss in hurricane. XXXX XXXX XXXX  a collection showing {$750.00} past due. To my understanding my information can't be given to unauthorized third parties. XXXX XXXX  XXXX is reporting inaccurate date of last activity and {$1600.00} past due that I do not owe. XXXX XXXX collection showing {$680.00} and inaccurate date of last activity. XXXX XXXX show {$570.00} past due. It's to my understanding that a collection can't report a past due amount! Correct me if I'm wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

Section 605b of the Fair Credit Reporting Act requires bureaus to block from display, all items received that are fraud : 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I have disputed a number of items of fraud after my identity was stolen ... ALL these items remain on my file. They are as follows : 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 ( XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXXs ( XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX )
Product: Mortgage

I reached out to my mortgage company who started servicing my home loan since XX/XX/XXXX From the beginning Ive always made my payments every month since then. I reached out to Flagstar a  couple of times in the past to see if there was anyway I could have my due date updated as I was incurring late fees every month, due to my financial situation Im only able to pay towards the end of the month past the grace period cut off date. I was advised several times that I was unable, I called Flagstar XX/XX/XXXX to see if they would negotiate the late charges on the account the first representative I spoke to was not able to assist me and seemed very un motivated to help the consumer, I asked if I could speak to a supervisor in which he kept me on hold for over 15 minutes to then just transfer me back into the collections call que, I then had to repeat my situation to the second representative asked what they could do to assist me and my reasons of why my account incurred late charges, the agent advised me that they would require me to pay {$600.00} + my XX/XX/XXXX payment in order for them to remove some late charges, I advised I was unable to do that at the time and that my ultimate goal was bring my loan due for XX/XX/XXXX but with late fees waived so that I had a fresh start as I received help. The agent advised her escalations team would not do that and was unable to assist me, as a consumer I felt like I was not being helped even when I advised that I could make two payments ahead of time. Im asking for my late payments to be waived and possibly have a due date change
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,
Product: Checking or savings account

I received a promotion email from Wells Fargo on Tue, XXXX XXXX, 2017. In summary, the promotion is, spend {$10.00} on the App Store or XXXX using my Wells Fargo credit or debit card and earn a {$10.00} statement credit. <P/>I enrolled the promotion and spent eligible purchase but have not received the {$10.00} statement credit. I contacted Wells Fargo directly but received only generic and template emails. <P/>Wells Fargo stated that I did enroll successfully but my purchase has not met their requirement. In order to receive the statement credit, I need to purchase with XXXX devices. <P/>However, there is no statement of the XXXX device on the fine prints explaining the promotion. I 've attached the email and secure messages between Wells Fargo and me. <P/>I sent the promotion email that I received from Wells Fargo as a proof/evidence but they did not even read my email and replied back to me with template email.