23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Monterey Collections Services representative XXXX XXXX has been contacting me about a debt. She calls me and if I do n't answer she immediately sends me an email. The debt charged off on XXXX with a balance of {$5800.00} as of today the balance is {$9000.00}. The debt in question has also been reported on my credit report for the past 6 months as an open account and is listed as with a one month term. If the account is open then it should not be in collections and should not have been listed negative on my credit report. Monterey Collection Services has XXXX negative accounts listed on my credit report. I have been denied credit due to this negative account. I do not have an agreement with this 3rd party collector. The collector has been very aggressive in their collection attempts as well as using deceptive and abusive collection practices. The Rep continues to use my credit report status in attempts to get me to pay this debt. She emailed me on XX/XX/XXXX talking about how the negative account will continue to be reported as an open account. She also stated how the negative item will impact my borrowing power and interest rates in future. The Fair Credit Reporting Act states that the a collector can not attempt to collect more than original amount on a debt. The Act also states that all information in my credit file must be 100 % accurate if not the item must be deleted immediately. This account shows as a joint account with my wife 's name listed as joint responsibility which is also incorrect. My wife never provided any of her personal information for this account. They have also called her personal cell number in attempts to collect this debt. I am requesting that this negative item be removed from each of my credit reports and that the collector cease all communication with me and my wife.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate and inconsistent reporting by XXXX on my credit report. The bank has reported incorrect late payments and other erroneous information that is negatively impacting my credit score. Despite my attempts to resolve these issues, the information remains inaccurate across all three major credit bureaus ( XXXX, XXXX, and TransUnion ). 

The details of the issue are as follows : Inaccurate Late Payments : XXXX has reported late payments on my account that are inaccurate. I have consistently made payments on time, and these late payments do not reflect the actual payment history. This misinformation is damaging my credit report and score. 

Inconsistent Information Across Credit Bureaus : The information reported by XXXX is inconsistent across the three credit bureaus. Some bureaus report late payments, while others show discrepancies in balances, statuses, or account details. This inconsistency is causing confusion and is detrimental to my credit standing. 

Failure to Correct Information : I have made attempts to dispute this information directly with XXXX by [ briefly describe any attempts to dispute or resolve the issue, such as contacting the bank, submitting disputes to the credit bureaus, etc. ]. However, the incorrect information has not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX corrects the inaccurate late payments and inconsistent reporting across the credit bureaus. I also request that XXXX be held accountable for their failure to provide accurate and consistent information to the credit bureaus. 

Thank you for your attention to this matter. Please contact me if you need any further information or documentation to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity thief someone got my information and used my credit cards and buy lots of stuff when I found out I called the company XXXX and XXXX to report the activity and I was still paying my bills until they closed the account and still wanted me to pay for something I didnt use
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the following accounts be blocked and deleted from my credit file, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were fraudulently opened or affected due to identity theft. 
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 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: Mortgage

This company is absolutely the worst mortgage company ever. I accidentally overpaid in XXXX, I realized immediately what I had done, contacted them, and they proceeded to drag their feet, then promise a refund, drag their feet some more, then say they did n't owe me a refund, charged a bunch of fees with no explanation as to what they were for, charged late fees even though they know they had an extra month 's payment, finally admitted yes they did owe me a refund, gave it to me in XXXX, but are still insisting on collecting fees that I do n't owe them.
Product: Credit reporting or other personal consumer reports

I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. Further they failed to address all of the accounts that were disputed including a public record which they have XXXX written authorization from me to be reporting to my credit report. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 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.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Prepaid card

I have been more than patient with BofA concerning the remaining funds from my Unemployment allotments. BofA has discontinued my benefits card and apparently I am waiting for them to send me a paper check. I have NOT received my funds and I have bills to pay! Please compel BofA to send me a check in the amount of the remaining balance on my XXXX BofA card.
Product: Mortgage

The Shellpoint Mortgage Servicing ( https : //www.shellpointmortgageservicing.com ) forced me to buy Lender Placed Hazard Disbursement in-spite of us providing it.Even after providing the certificate of proof and multiple followups, they are not refusing to remove it or stop charging me every month for it. 

As a result they have bumped up the ESCROW payment by about XXXX  a month, they always say they are going to fix it once their insurance department verifies it, but they have not done anything for over 3-4 months. 

Meanwhile, in XXXX they reported delinquency in payment to credit bureau and chose to spoil my and my wife 's credit report rather than addressing the problem. 

Yesterday, I spoke with them again and their representative told me that they " might '' be able to reconsider as it has been a while ... .And promised to get back to me but no one called me back. I also asked the representative to initiate a complaint but he did not do anything about it. 

The mortgage provider is well aware that we are trying to get this refinanced, their refusal to address the issues, raising my payments, and reporting to credit bureaus. 

I and my wife have called them at least 10-15 times  regarding the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has an account in my name for the amount of {$7300.00} for a car loan. This is complete fraud as I do not have nor ever own in car. I have tried to get this removed but all three credit compaines are confirming this with no proof.
Product: Credit card or prepaid card

I am disputing these charges that was charged on XX/XX/19 in the amount of {$310.00}. The rental car was never received, it was blocked by the rental car agency agent at the counter. I have contacted the travel agency/XXXX, they have refused to refund money. I never took possession of the rental car. 
- On XX/XX/19 arrived at the rental car counter the representative at the counter refused to release the vehicle to us. This representative explained that the rental was for local rentals only, didnt provide unlimited mileage. We would have been charged additional mileage over 100 miles. We were told that the rental was for unlimited mileage upon rental. We advised per XXXX it was for unlimited miles. 
- Representative still refused to release the vehicle to us. 
- The only reason the reservation was cancelled is due to agent refusal to release vehicle to us. Which would void out any cancellation policy due the refusal of release of the vehicle. 
- I was not advised of any cancellation policy at the counter with the agent in regards to the information she supplied in reference to the cancellation. 
- We had to make other arrangements with another rental car agency, at a higher rate, we can provide proof of the reservation with the rental agency we actually obtained a vehicle from. 
- I contacted Capital One on the day in question and explained the situation and advised not to go forward with payment due to agency refusal of release of vehicle. 
- I received no services, no rental vehicle was in my possession or has ever been with the agency in question. 
- The reservation/cancellation was in hours of each other, the reservation/cancellation was all processed while at the location by the agent on duty. 
- We had no other options of resolution, we had no options other than to book with another agency. They refused to release the car as well as refusal of unlimited miles. 
- Per XXXX unlimited, per agent we would be charged additional fee for miles over XXXX. 
- XXXX is a travel agency, maybe they need to contact their vendor due to the discrepancy in their policies due to the unlimited miles verses over XXXX  miles.
Product: Debt collection

I wrote a contract with XXXX XXXX XXXX but I change me told them to cancel and they didn't. It was free to cancel within XXXX days. I did twice. It was in XXXX. I was living in other places during that time. until today XX/XX/XXXX I'm trying to apply for a XXXX  credit card. I find some dread happened. I got {$7700.00} debt. Clearly, the XXXX XXXX XXXX didn't do their job and without notification. I go back to check email and others. There has no bill from this apt .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a complaint of not being able to get my credit and never received an answer from either reporting agency. Within the last 7 years I have paid the state of Maryland ( {$7000.00} ) and Virginia ( {$6000.00} ) while paying XXXX, XXXX, XXXX XXXX and XXXX  XXXX credit cards services ( over {$6000.00} ). I should have a credit score.
Product: Debt collection

LVNV Funding keeps reagaging and re adding data to my credit reports I also am represented by a attorney regarding these accounts
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am deeply concerned about the impact it has had on my credit report. Upon further investigation, I have found that the attached accounts from XXXX, XXXX, XXXX, and Experian are reporting on my credit history. I have filed a report with the Federal Trade Commission and have attached it for your reference. I urge you to take immediate action and remove all of these accounts from my credit profile as they are fraudulently reporting. This situation has caused me a great deal of stress and I am counting on your prompt resolution to rectify it. Thank you for your attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This showed up on my credit report as a charge that went into collections on an account called Capio Partners on behalf of XXXX XXXX XXXX that was supposedly opened on XX/XX/2023 for the amount of {$1100.00}. This is an error on my credit report. I have not signed surety or any type of responsibility on any loan, bill, or other let alone one with the name of Capio Partners or XXXX XXXX XXXX. I don't have any idea what this could possibly be about. I have not even visited the hospital since my father in law got sick a few years ago. I Disputed this with Experion and they denied the dispute stating the information I disputed has been verified as accurate and that I could upload supporting documentation proving this debt is invalid. How am I supposed to prove a negative? Upload a picture of my empty hand that shows I don't have a bill form this hospital? I would like to have this removed from my credit report immediately as this is a fraudulent bill and a fraudulent notice on my report. My credit score went down XXXX points because of this error. Thank you.
Product: Mortgage

I have sold my home. Account # XXXX for XXXX XXXX XXXX XXXX, XXXX, Texas, XXXX. I have tried to contact Mr. Cooper to give them my new address and get my escrow funds forwarded to me. I have tried reaching them through multiple departments. The automated attendant won't let me through. I have tried having other people do it. The automated attendant will not let them through either. If I lie and get to a different department, they turn me back over to the automated attendant, which, again, will NOT let me through because it doesn't like any of my answers to any of the questions. If I tell it it is something else, it starts over instead of passing me on. I can not effectively express how thankful I am that I will never be purchasing another home with a loan again, so I will NEVER have to deal with Mr. Cooper again after I complete this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Loan accounts were removed from credit file then erroneously out back on.
Product: Credit reporting or other personal consumer reports

Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as XXXX XXXX XXXX or XXXX XXXX '' This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, This issue is in regards to my credit report. I have several accounts listed below that don't belong to me. I am an XXXX XXXX XXXX who has been XXXX XXXX for the past XXXX years. I also have alot of hard credit pulls on my report dating back to XX/XX/2022 that I didnt approve. I have written letters to all three credit bureau and haven't received an response. This may be due to there being incorrect names reported on my credit report, such as XXXX XXXX, XXXX XXXX, and XXXX XXXX. Below are the accounts XXXX XXXX XXXX- {$1600.00}. 

XXXX XXXX XXXX {$1300.00}. 

XXXX XXXX {$1200.00}. 

XXXX XXXX- {$69.00}. 

XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00}
Product: Debt collection

I have been receiving calls from Key 2 Recovery to handle a incorrectly charged debt from my university. I have been in contact with Key 2 Recovery on multiple occasions ( XX/XX/XXXX and XXXX of XXXX ). We have been trying to handle the false charges as I have receipts and the school policy on where they went wrong. All of this evidence has been sent to the Key 2 Recovery team at XXXX and have confirmation they have received the documentation. I received a missed call at XXXXXXXX XXXX  MST XX/XX/XXXX and at XXXX XXXX  I am contacted by my mother that they called her twice to try and find a way to reach me. I explicitly outlined to them on our first interaction on XX/XX/XXXX to only contact me by phone. This is a clear violation of the FDCPA for the following reasons Debt collection agencies can only call you between the hours of XXXX XXXX and XXXX XXXX local time A debt collector can make telephone calls to a third party such as friends and family, but theyre limited in what they can say. For example, the debt collector has to identify himself and state theyre calling to confirm your address or contact information, but they cant say theyre trying to collect on a debt. 

For these reasons I am filing a complaint against the company for stepping outside the rules in the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my XXXX  aspirations. As a dedicated and driven XXXX, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX  XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my XXXX  XXXX  without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my XXXX  journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX