23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Wakefield and Associates has reported an inaccurate debt to my credit report. On XX/XX/2018 I had an ambulance take me to the hospital. I had insurance that would cover that ride. XXXX XXXX Ca filed a claim with XXXX XXXX on this ambulance ride. But XXXX XXXX provided my name wrong and my DOB wrong. Because of this my claim was denied on XXXX XXXX. XXXX XXXX never notified me on the denied claim. Five years later its up for collections. This is affecting me now that am trying to buy a home. I had insurance XXXX XXXX made mistake and now am getting negative credit report because of their mistake. I had both XXXX and now XXXX XXXX XXXX who bought Paramedic logistics out talk. XXXX will review the claim and possibly pay it. But in the mean time it is affecting my credit I would like this removed immediately because their misstates shouldnt be my fault or effect me in any way. Please consider this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account number XXXX XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions or consent of the consumer ( myself ). 

XXXX, XXXX and EQUIFAX has furnish inaccurate information on my personal credit file. It is clear violations being committed by these bureaus. I have attempted many time to rectify this matter by disputes. Each time it comes back updated and not deleted and removed as it should be by law. Please remove and delete this inaccurate information from my credit file immediately. 
The account is paid in full and agreed by the lender to be reported as CURRENT, ON TIME and CLOSED. Each bureau is reporting different information as you will see in the documents I proved.
Product: Mortgage

After 6 months of waiting, a closing date was proposed no-later-than XX/XX/XXXX. The first credit report XXXX  score of XXXX dated XXXX " expired '' on XX/XX/XXXX. The second credit report from XXXX was XXXX, dated XXXX.The under -writers ( email XXXX ) had problems reading the condo docs that were FAXED ( XX/XX/XXXX ) using the supplied FAX cover sheet. They didn't see the name of the project on the 1st page and couldn't find the number of units on the 3rd page. ( email XXXX ) I had approved for the use of E-Docs and E-Signatures. Shortly after I received E-Docs with a Mortgage Loan Price Commitment Agreement back dated to XXXX and a Loan Estimate issued XXXX.The rate lock expired on XXXX, 4 days prior to sending/receiving them. I didn't sign, wrote a letter of complaint ( XXXX ) withdrawing E-docs & E-signatures. Underwriters couldn't determine my income, asked ( XX/XX/XXXX ) for W2s, had been sent in cert. mail XXXX, received XX/XX/XXXX. I confirmed my income by referrencing documents # 3, # 4 & # 8 in XXXX cert. mail. Email XX/XX/XXXX request change of HOI beneficiary prior to closing. 
XXXX  payoff requested XX/XX/XXXX, expired XXXX. No payoff requested from XXXX XXXX XXXX. Application was for Hawaii condo w $ XXXX to payoff commercial property in Ohio. Denial-too many inquiries ; amount owed on revolving account too high ( all accounts paid in full every month for yrs ) ; length of time accounts have been established ( 3 most recent Cr. cards over 2 yrs old & 2 are with the lender-no balances ) ; No Derogatory Info found in the file. Paid down mortgages {$14000.00} while loan applications pending. No accommodation requested for existing loans. Loan application/credit denied
Product: Credit reporting

There appear to be some hard inquiries that I did not incurred. In fact, I have contacted the original creditor, and for some reason they have no records of this inquiry ever been posted. I have already disputed the account with Equifax, and they do not want to comply or remove it from my report. 
Inquiry name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This Person ( XXXX XXXX XXXX XXXX /Total Visa ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XX/XX/2023-XX/XX/2023 furnished to my consumer report I did not give written permission to.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The reporting of the information below, which appears on my credit report is a result of identity theft. And does not relate to any transactions that I have made. 
I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. 
please delete inquiries
Product: Credit reporting or other personal consumer reports

Is in violation pursuant to section 623 of the FCRA, if the investigation is not complete within 30 days XXXX XXXX Account number XXXX
Product: Vehicle loan or lease

I took out the loan on XX/XX/XXXX. I was told at the time of the sale by the dealer and the finance company told me the same thing that I could refinance after 12 months of paying my payment on time. Not true. I would have never signed any paperwork at this amount knowing that I couldn't get a lower interest rate. I have completely struggled to pay my car payment over the last 4 years. I finally got my credit score so that I could trade it in but over the last few months Ive been in a traumatic apartment rental. I never received any paperwork about my car being reposed in fact the day before it was repoed I got a rehabilitation email saying they would work with me so that I could keep my car. They never gave me a chance to respond because the car was taken a few hours after I got that email. I called about how much I need and the first amount I was told was XXXX then I got paperwork dated XX/XX/XXXX and the amount was XXXX then I called again just to see what I would be told and it was XXXX. On XX/XX/XXXX I called and requested them to email me the amounts and was emailed another customers load paperwork. I called to alert them and at first I was told that they don't make mistakes like that but then I started reading it to them. They took the account # and asked me what I was going to do about it. This morning I called the New York State Attorney General 's office and they told me that it is against the law what they have done. But my question is that can not guarantee that they sent the other person my paperwork. I have asked for the return of my vehicle, the derogatory marks off of my credit, and forgiveness of the remainder of the loan. At first they were going to return my vehicle and refinance my loan, but my payment didn't change and I still owe 24 months of the loan. My privacy has been violated and they act like it's nothing.
Product: Debt collection

On XX/XX/20, I attempted to contact National Credit Systems , Inc. to discuss the recent letter they sent in reference to XXXX XXXX and his incorrect reporting to them. I wanted to advise that I was disputing the amount and how to handle that but the representative that identified himself as the Account Supervisor name XXXX ( XXXX ). He then proceeded to yell over me when I was trying to ask a legitimate question and he told me " we don't discuss amounts here and you need to learn how to pay your bills '' and then hung up in my face. I called back upset and the receptionist told me that I was being profane because I was upset and she also hung up on me. My mother then called and asked to speak to the supervisor XXXX ( XXXX ) and was told that he was at lunch and that I we would not able to speak with anyone else and then they hung up. I was trying to offer a resolution but at this point, I am filing a Chapter XXXX and will be rid of them for good.
Product: Debt collection

I am writing to formally address the recent communications I have received from Credence regarding an alleged debt associated with XXXX XXXXTo clarify, I have never had a phone or phone service with XXXX XXXX. My only association with XXXX was for home Internet services. I noticed that XXXX was making unauthorized charges to my account, taking out more than what I had expected. After investigation, I discovered that I was being charged for a phone and service that I never received or used. I have never seen a bill about this phone. 

Three or four times within the last year I went to the XXXX store to resolve the error, where, after hours of investigation, they offered me an apology and provide me with a refund. This led me to believe that the matter was settled. Ive also received a {$98.00} credit from XXXX. How can you send me to collections and give money at the same time? This makes no sense. 

Subsequently, I switched my XXXX service from XXXX XXXX XXXX to XXXX , which was entirely independent of XXXX XXXX. Additionally, I began using T-Mobile home Internet, which rendered my use of XXXX XXXX unnecessary. I paid my final bill with XXXX and with that, my account was closed. any correspondence I may have received from XXXX  XXXX  would have been over email, and I dont check email from companies with whom I no longer have a relationship. 

When I began receiving phone calls from a company called Credence, I did not answer. They did not leave a message. Several months later I get a letter out of the blue, telling me that youve sent me to collections, and I owe XXXX over {$300.00} for a phone that I know nothing about. 

I called XXXX to ask for the bill. They claimed they had never sent a bill in the mail, but had sent one through email. When I went to check the email to see this alleged bill, I was informed that I could not access any billing information because I was not listed as a customer. 

This situation has caused me significant distress, particularly as I am in the process of starting a business, and my credit rating has been negatively impacted by this issue. It is deeply concerning to me that a bill could be forwarded to collections without proper notification or accessibility to the account information, making it impossible for me to address the issue adequately. I also dont understand the logic behind reporting me to collections, while sending me a refund of {$98.00}. 

I kindly request that you review this matter and remove any negative reporting related to this alleged debt from my ( otherwise stellar ) credit report. 

When last I spoke with someone from Credence, they told me they would be in touch as soon as the situation had been researched, but I still havent heard anything and my credit report is still lower. 

I hope to resolve this as soon as possible, as it has affected my ability to conduct business.
Product: Debt collection

im being attacked by a subsidiary of XXXX  trying to collect on something i had removed from my credit reportXXXX XXXX.i have not had them in a long time and had a clear balance on my account i demand to see the original contract and my signature on the contract .there is none this is a scam from another big corporation abusing their power under the f.d.c.p.a. XXXX  keeps abusing their power when will you cfpb stand up to them and demand the original contract and my signature on that contract.it says i owe XXXX but XXXX  has one on me for XXXX i think its just a change of numbers or cooking the books as they say.im being harassed by these companies ..if something is not done and these items removed from my credit report that are subsidiaries to XXXX  ..ill be left with no choice but file a commercial lien in a amount that this company or no lawyer can fight.ill file with the secretary of state. i under penalty of perjury am telling the truth under the dod act ive also been violated against by XXXX  an sequium asset solutions..i have used XXXX XXXX XXXX  for two years. i use this site for help against corrupt companies and i have had very little luck with this company.
Product: Credit reporting or other personal consumer reports

All credit decisions made have been affected by this incorrect information being reported by Experian. It has been reported inaccurately since 2015. Status for said bankruptcy has been discharged since XXXX of 2015. All other buruaes report correctly as discharged as verified by court documentation obtained twice, in writing, by debtor, herself to verify current and indefinite status and it shows discharged. Please update and delete all inquiries and or request any denials of services be appealed and offer any other protection that may be requested with regards to negatuve outcomes in credit worthiness by updating my profile immediately due to length of time and gross negligence on the credit reporting agency, Experian 's behalf.
Product: Money transfer, virtual currency, or money service

On XX/XX/17 I purchased a money order for XXXX from money gram at XXXX. 
The money order was stolen from the rent office along with multiple other money orders by an unknown person. I called money gram and they informed me that it had been cashed XX/XX/17 and that I needed to prove that it wasnt me who cashed it. They gave me the option of paying XXXX dollars to receive a picture of the check and at what location it was cashed at I agreed. When I got the copy of the money order at the time it was cashed it had been rewritten and my apartments name was no longer on the front of it with No signature on the back. 
Then they told me XXXX XXXX XXXX was the back that cashed the money order but when I went to chase they told me that the account money gram is saying the money order was cashed in does not exist and they are not responsible for cashing the money order .At that point I decided to turn to consumerfinance because Im being lied to and misled my money gram to my knowledge they are suppose to contact the bank the money order was cashed at and ask them to open a fraud investigation but Im left doing everything my self with no help
Product: Credit reporting or other personal consumer reports

Here is a copy of what I sent the company : The violation of the American Disabilities Act is for when I spoke with your company via telephone for clarification on how I am supposed to verify my identity when the Social Security Administration clearly states that the Social Security Card is not to be used as a form of identification. I also informed her, XXXX, that I am a XXXX Veteran and not able to work due to my XXXX, therefore, I can not provide a W2 form, 1099 form, or a Pay Stub with my Social Security number on it. She proceeded to tell me that I will just have to figure it out or send in my Social Security Card. She also stated that DATA X does not have to abide by the rules that the Social Security Administration has set for their product i.e the Social Security Card. I also spoke with a lady named XXXX who stated that DATA X is a Bureau. The only Bureau that I know of by law for consumer credit is the Bureau of Consumer Financial Protection. I also see on the letter that you sent me, you have XXXX, Equifax, and XXXX named both credit agencies and credit bureaus. I am requesting that DATA X place a permanent security freeze on my account, and to fulfill the subrogation of the bond to settle the charges.
Product: Mortgage

I have to say that paying on line with Primary Residential Mortgage Inc. 's  system was a problem. We would like you to know that when we went to pay our payment of {$2800.00} on Friday XX/XX/18 on there web site ( which we have used in the past ) we never confirmed the payment as the web site gave a notice that it was having technical issues and to try back later. I than noted it on my payment stub to retry on Saturday. I went back in on the XX/XX/XXXX and it showed unpaid with a late charge so I confirmed it and paid {$2800.00}. On XX/XX/18 my bank notified me that Residential Mortgage  had pulled two payments from our account which caused us to over draft. We than called PRMI to be told that nothing could be done. They also went ahead and applied the second payment to XX/XX/XXXX payment which we never authorized. This I believe needs to be corrected as we did not authorize the first payment and should be returned due to there web site system being the problem. It did not show paid in there system on XX/XX/18 which cause me to think that it had not been paid. I would of never had paid it with a late charge if I knew it had been paid on XX/XX/18. For a person that relies on my pay check every two week they have no right to take the money and apply it to when they want. We re just asking to have it reversed.
Product: Credit reporting or other personal consumer reports

In according with the FAIR CREDIT REPORTING ACT. Account number XXXX XXXX XXXX has violated my rights.

15 USC 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 i SECTION XXXX CREDIT REPORT INFORMATION HAS TO BE ACCURATE XXXX XXXX XXXX, SENT TO ME A 1099C FORM, WHERE SHOWS A DEBT CANCELATION, I DONT OWE ANY MONEY TO THEM, AND THE CREDIT REPORT IS UNACURATE WITH THIS INFORMATION.
Product: Debt collection

Upon learning of this alleged debt on my credit report, I sent in a validation letter on XX/XX/XXXX and was sent back a copy of a lease dated XX/XX/XXXX-XX/XX/XXXX and typed up charges from XXXX. This alleged debt states the debtor moved out in XXXX and I wasn't living at this property then. I sent in a second attempt of debt validation on XX/XX/XXXX and asked for further validation that this alleged debt belongs to me, including proof this company's license to collect on debts is expired. I was sent back the same letter I sent in on0XX/XX/XXXX with writing on my requests stating they are only sending me what is required by law concerning the creditor/debt collector declaration. They hand wrote on the letter and  stated " original lease sent, renewals do happen" but have failed to provide the alleged renewal. When I highlighted the contradicting dates on the lease it was hand written " So what? you singed a renewal of stayed, you still abide by lease" but once again not providing a copy of this alleged renewal. I also asked for validation they bought this alleged debt, etc but they refuse to provide me with any valid documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX     2017  I spoke with  XXXX   XXXX  and  XXXX  at   XXXX   XXXX  . I had two very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior.  XXXX   XXXX  pulled my credit  WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my credit score would n't drop and that it 's the same as one months ago. I told him not to pull  the credit he did it anyway and my score has dropped  XXXX  points immediately as a result
Product: Checking or savings account

In 2020 Wells Fargo during the pandemic Wells Fargo would continuously let my account get overdrawn and then hit me with fees that we so ridiculous. My debit card was always getting compromised. They denied me on any help I asked for. They let XXXX XXXX take money out of my bank account for the services even though it was the government fault for not doing my taxes timely manner. They set you up for failure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hired Full Circle Financial Services ( XXXX XXXX XXXX ) to collect {$140.00} for an item That I never received. They, FCFS, are reporting a delinquent payment to the credit bureaus on a monthly basis. They have been sending me " past due reminders '' on an old email address.
Product: Debt collection

On XX/XX/year> I sent a signed debt verification letter via certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) with return receipt ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) to rent recovery solutions LLC requesting documents for verification of debt within 30 days pursuant to Fair Debt Collection Practices Act. The letter was delivered on XX/XX/year>. They did not provide requested documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I do not know who CREDITORS BUREAU ASSOCIATES are, and according to 15 U.S. Code 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection, so why are they referring to themselves as a Bureau? Thats deceptive and is a violation of 15 U.S. Code 1692e - False or misleading representations. They put a make-believe false account number on this letter they sent me but I do not have a contract with them. 

Furthermore, these people are in violation of 15 U.S. Code 1681b ( 2 ). I have not given them written permission to put anything on my consumer report. And I did not give them permission to mail me letters to my address.

And Further, CREDITORS BUREAU ASSOCIATES is in violation of 15 U.S. Code 1681 section 602, 15 U.S. Code 1681 ( a ) ( 4 ) for violating my right to privacy. They have my email address and phone number on this letter they sent me I did not give them that information. 

And further, CREDITORS BUREAU ASSOCIATES is reporting and also sending me letters of inaccurate, incomplete, erroneous and misleading information. They have used profane language which is abuse to me the reader and have harassed and oppressed me. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood. This is a violation of 15 U.S. Code 1692d - Harassment or abuse.

And further, CREDITORS BUREAU ASSOCIATES are in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information. All three of these were violated. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 

And further, CREDITORS BUREAU ASSOCIATES is in violation of 15 U.S. Code 1681s2 ( 9 ) Duty to provide notice of status as medical information furnisher. They did not tell the credit reporting agencies that they are medical information furnishers. 

And further, CREDITORS BUREAU ASSOCIATES got my information without my consent which means identity theft! Their offenses amount to aggravated identity theft pursuant to 18 USC 1028a. They have knowingly transferred, possessed or used without lawful Authority a means of identification of me which is a felony punishable by up to two years of imprisonment in addition to civil liability.