23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I cancelled my contract with XXXX because my phone would not work at my home. I was told that I would receive a last statement. The first of XX/XX/XXXX I received a statement of {$26.00} which stated " This is your final bill, and it reflects all charged through XX/XX/XXXX. On XX/XX/XXXX I paid this bill in full. Around the XX/XX/XXXX, I received a statemen from XXXX stating that I owed XXXX {$250.00}. I called this company and told them this information and then sent copies. While talking to them, they stated that on XXXX XXXX, I paid {$40.00}. I did not pay anything after XXXX XXXX. I thought that would stop the harassment and that it was all over. At the end of XXXX, I received a bill from XXXX XXXX XXXX with the same information. I mailed the same information to them on XXXX XXXX showing I had paid their bill. Today I received a bill from Enhanced Recovery Company LLC demanding that same amount from XXXX. I believe that XXXX is harrassing me by continuing to have different companies send letters demanding a bill that they know I do not know. Also, I believe they are putting this on my credit report every time. Can you please stop this harassment?
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection that was added to my credit report from XXXX XXXX XXXX. After disputing this collection. The outcome was to remove this collection and it can never be sold to any other collection.
Product: Student loan

I missed a phone call from Sallie Mae. Instead of them calling my co-signer they called two family members whose phone number I never provided. My account manager admitted she went through a third party find people connected to me to contact. She told the family members she was calling from Sallie Mae. I never expressed any permission for Sallie Mae to these phone numbers
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/XXXX Equifax Equifax Information Services , LLC XXXX XXXX XXXX XXXX , GA XXXX RE : XXXX  Block Request To Whom It May Concern, I am writing to advise that I am a XXXX  of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. 
Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a XXXX  form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity Trafficking documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

After dispute, nothing changed. They are falsely reporting a XXXX bill that should NOT be on my credit report, and based on their own information, shouldn't be reporting.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information listed on my credit report for the account with XXXX XXXX ( Account XXXX : XXXX ). In accordance with 15 U.S. Code 1681i ( 5 ), I am requesting the immediate deletion or update of the incorrect credit data regarding this account.
Product: Credit card or prepaid card

I was charged {$110.00} as an interest charge after paying off my balance on my capital one credit card. The balance was paid off before the next statement cycled, the company customer service and escalation line refused to assist with the charge.
Product: Debt collection

I reported Identity theft to XXXX XXXX XXXXXXXX commencing in XXXX. I received an award. 
However, the identity theft persisted and I reported the replacement card ( s ) to XXXX XXXX XXXXXXXX in XXXX. I did not hear from XXXX XXXX XXXXXXXX regarding my identity theft claim for over a year. The accounts were reported to the FTC as unauthorized accounts. The accounts were closed. Recently on XX/XX/XXXX, I received a Statement only from Nelson and Kennard Attorneys at Law XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX for a XXXX XXXX XXXXXXXX card debt which is not mine. I never had an account ending in XXXX I do not have the entire account number nor have I received bills from XXXX XXXXXXXX. I sent a Cease and Desist Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX. USPS confirms Nelson and Kennard received the Cease and Desist on XX/XX/XXXX. I stated in my Cease and Desist I never had an account with XXXX XXXX XXXXXXXX ending in XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX of XXXX XXXX dated dated XX/XX/XXXX in violation of the Cease and Desist which threatens me with a lawsuit also a violation of credit and collections law. I wish to enforce sanctions on this scam.
Product: Debt collection

This company has been harassing my mother with non stop phone calls, looking for me. This was going on for weeks before they learned how to read and began harassing me with repeated phone calls and XXXX information. XXXX times a day to my mother! Who doesnt pay my bills or have anything to do with a supposed debt I owe. They have NEVER contacted me with any information regarding my supposed debt, never provided any written notification of alleged debt, call my phone XXXX times a day, never leave a voicemail, and again, they have never provided ANY information about the supposed debt they are harassing me for. 
Harassment is illegal, not providing any information is illegal.
Product: Debt collection

I am formally disputing the erroneous reappearance of an account from XXXX XXXX XXXX on my credit report. This account was previously closed as paid and subsequently deleted in XXXX. However, it has since reappeared without any explanation or proper notification, violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 

Furthermore, XXXX allegedly sold the account to Jefferson Capital, which then transferred it to another collection 's agency. Despite this, Jefferson Capital is still inaccurately reporting the account on my credit report without providing the legally required debt validation notice under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. This failure to validate the debt before continued collection and reporting constitutes an FDCPA violation.

Additionally, under FCRA 15 U.S.C. 1681s-2, furnishers of information are prohibited from reporting inaccurate, incomplete, or unverifiable data. The reappearance of this account without notices or validation directly violates this provision. Given that I was not properly informed of the account 's sale or any subsequent changes, and that I have yet to receive proper validation from any collection agency, this account is being reported unlawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a response to Experian 's response to my CFPB complaint summitted on XX/XX/2020. Experian explicitly stated that in their opinion the CFPB complaint was not submitted by me. I will assure Experian that in fact I XXXX XXXX am capable of submitting a complaint, despite your perception of me. I will once again attach a copy of my ID and Social security number with a utility bill as proof of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX, and I owed {$2500.00} when the account was closed. I did not have the money to pay it or to even make payments on it at the time. So, they sent it to XXXX XXXX XXXX XXXX. I've talked to both XXXX and XXXX XXXX in an attempt to get an itemized bill showing the charges they claim I owe. Somehow, they have the idea that I owe them {$4500.00}. To this day, I have not received a breakdown of the charges, or proof that I even owe this debt. XXXX XXXX offered me a 50 % discount, but they would not remove it from the credit report. I don't want to pay more than I have to, and since both companies have continuously violated my FCRA rights, as well as the credit bureaus stating that it was " verified, '' I haven't been able to resolve this issue in an acceptable manner.
Product: Credit reporting or other personal consumer reports

I am a victim of fraud. I have contact Capital One and no action as been taking, and account was fraudulently open. Capital One know about this fraud account open under my name and has not fixed the problem.
Product: Credit reporting or other personal consumer reports

This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. The bureaus have not responded and the Federal Reporting Agency has not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days. 
Please delete the following account the are not accurate : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX OH XXXX the above accounts are not correct. I have challenged them before.
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX debts youre chasing me for I dont agree with them at all and I think the amounts youre saying I owe are off. Dont bother with any proof Im not interested. I know whats up and seeing proof isnt going to change that. If you need to get in touch, email me only between XXXXXXXX XXXX and XXXXXXXX XXXX XXXX. Dont send any mail whether its USPS , UPS , FedEx or any courier and skip the phone calls and voicemails its just one big inconvenience.I 'm outta here. This ACCOUNT # XXXX and anything else you have under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Prepaid card

I complained about unusable four visa gift cards to two representatives from Incomm ( case # XXXX and case # XXXX ) in last XXXX and XXXX. Both promised to issue a refund check. It has been more than one month now, and I have received nothing. Please deliver on your promise.
Product: Debt collection

So not only will they not prove to me what I owe I know that i owed like XXXX dollars and now it is well over XXXX.second issue is i tried to get in touch with this company for weeks and would sit on hold for hours to be hung up on. Third problem is they told me if i made payments that they would reflect it on my credit every month and they just said that to get me to agree to pay something. Now i call and they say they wont do so until entire debt is paid for. I have researched this company and they have tons of reviews stating that once paid they dont report that it is. My last problem is I ca n't believe a word they say now. I want the original amount from the original company because i know XXXX is completely rediculous. They treat you like XXXX and say well it is your credit. I am trying to buy a house and this rediculous company is holding me back. I am willing to pay them XXXX the XXXX for original debt and XXXX just to shut them up and get this resolved but i am at a loss. I need them to report this off my credit and for correct amount.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Open checking account on XX/XX/XXXX over the phone, received account number through mail XX/XX/XXXX, funding acknowledges XXXX. Deposited {$200000.00} to receive {$1500.00} bonus. Called to confirm XX/XX/XXXX and told good and given promotional code. Called in early XXXX to confirm credit to occur XX/XX/XXXX. Received online message after call on XX/XX/XXXX after not seeing credit on account that deposit did not meet 20 day deposit qualification ( 22 days ). XXXX flier states 30 day balance requirement if account opened over the phone. Account opening package not mailed from CITI until XX/XX/XXXX so did not have signature card or account number until XX/XX/XXXX. Multiple calls on XXXX, XXXX and XX/XX/XXXX did not resolve issue. Refuse to acknowledge or define " open account '' date. I was not about to send a check for {$200000.00} without written confirmation of account open and account number.
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my credit report that does not belong to me. I want the items re-investigated and removed from my credit report. I am a victim of identity theft. 

Equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I dispute the following hard inquiries on my credit report : XXXX XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX  XX/XX/year> ; XXXX XXXX XX/XX/year> ; Wells Fargo Auto XX/XX/year> ; and XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. SS 1681i ), unverified inquiries must be removed. I did not give anyone authorization to run a credit check through these banks. I would like these hard inquiries to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the pieces of information were erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$6100.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was sent several documents including their copy of the 1099a for the total unpaid balance on or around XXXX/XXXX/21. Even after that payment I was sent an email confirming they received the tender of payment and documents and proceeded to try to induce me into a fraud by asking for a check. They went on to say that they would continue to take the payements out of my linked checking account until they received the payoff payment amount as promised. I responded to their email and I have yet to receive a response back. Under duress, I wrote XXXX XXXX a check, Paid to the Order of the United States Treasury. It wa n't until then that XXXX XXXX sent me an email stating that the balance was paid in full. Soon after my consumer report was updated with an ontime payment, and the following month the report stated that the balance was paid in full. I just recently checked my credit report and XXXX has furnished a negative remark on my consumer report in the form of a late payment without my consent. Additionally, no one from this company has reached out to me personally before accessing my personal consumer report which is identity theft. XXXX XXXX is committing fraud by trying to force me to pay off the loan in federal reserve notes when federal law states that federal reserve notes is simply a promise to pay. Therefore it is my right to tender commercial paper as payment, and credit their institution as well as it is my right to provide them with a receipt to show goods have been received. Both of which was done in XXXX
Product: Credit reporting

Both accounts below are settled and closed. Should have a zero balance on credit report along with a zero past due amount. Please investigate and update credit report. Accounts are shown on both transunion and XXXX credit reports. 

Account # 1 {$850.00} BalanceXXXX XXXX XXXX XXXX XXXX ( Agreed to settlement and account should be closed with a zero balance ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Account # 2 ( Agreed to settlement and account should be closed with a zero balance ). 
{$620.00} BalanceGE XXXX XXXX XXXXAgain, all accounts were settled and agreed upon by both parties. Both accounts should be closed and show a zero balance ... .. Please see attached report from credit Karma ( transunion and XXXX ) show this balance still.
Product: Credit reporting or other personal consumer reports

CREDIT INQUIRY AND CREDIT NOT PROVIDED. 
REMOVAL OF CREDIT INQUIRY US BANK
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding consumer reporting agencies. 
The problem i am having is consumer reporting agencies violating the rights that congress put forth to protect me. Pursuant 15 USC 1681b ( a ) ( d ) these agencies that assumed this role has to have a written consent from the consumer to furnish any information on the consumers report. 
I mailed a letter XX/XX/2021 and as of XX/XX/2021 i have not received a response. 
XXXX Transunion, XXXX  are the agencies in question. 
I am submitting this complaint as the consumer, a natural person.
Product: Debt collection

Today, XX/XX/2023, I received a notice from a company called USCB America a debt collector. [ XXXX XXXX XXXX XXXX XXXX XXXX Bx XXXX ; LA, CA XXXX XXXX They are saying that I owe XXXX XXXX XXXX {$150.00}. This is NOT the first time they have claimed I owe XXXX money -which I do/did NOT! I DO NOT OWE XXXX ANY MONEY!!! After this debt collection last attempt to collect a debt from me that I DID NOT OWE, I communicated with XXXX. Please see the result of that inquiry I made to XXXX about whether or not I owed XXXX any money. The communication I had with XXXX was on XX/XX/XXXX, XXXX XXXX DAYS BEFORE I was notified [ again ] by USCB America XXXX Re : Submit a complaint/grievance ( XXXX ) Contact Member Services Request XXXX XXXX XX/XX/2023 XXXX ID : XXXX Dear XXXX, Thank you for your inquiry. I have shared your concerns with the Patient Financial Services Team for review and action, as appropriate. They have confirmed that any payments made to your account has been applied and a {$0.00} balance is reflecting for your dates of services. 
Thank you for using XXXX XXXX 's website. 
Be healthy. Live well. Thrive. 
XXXX XXXX Customer Service Representative