23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent onXX/XX/XXXX to XXXX   disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX   dispute letter for Toytota, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX   5.XX/XX/XXXX XXXX, XXXX  , XXXX dispute letter to XXXX amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the credit bureaus trying to correct inaccurate information that is damaging my reputation. Not only is it causing damage, it is also unlawful and is a direct violation under the FCRA. 

In accordance with the FCRA : 1 ) Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX 4 ) XXXX XXXX XXXX 5 ) XXXXXXXX XXXX XXXX XXXX XXXX # XXXX have violated my rights. 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A 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 have been calling and explaining to Equifax that my car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies. I spoke with someone today stating they had received the FTC identity theft report but it was after the time the review department has issued a decision. I am asking again that the information on this IDENTITY THEFT Report be deleted.
Product: Bank account or service

I wrote a complaint regarding Wells Fargo bank approximately 12 hours ago. I received a response from the same person that frustrated me originally, thereby, accomplishing nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Transunion about the following negative account XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX  : {$2500.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to investigate and remove inaccurate information from my credit report and the credit bureau has not conducted a correct investigation to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. While analyzing my updates, the fallacious information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX - XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Vehicle loan or lease

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Hyundai Motor Finance account # XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. The account is reported as closed however the account is not closed but is active. The loan reinstatement was payed in full in the amount of {$1500.00} on XXXX XXXX and the account is current. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 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. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Now I see that XXXX/XXXX has now incorrect information on my credit report showing I am in a forbearance program. In which, that was terminated per agreement with XXXX months ago. The balance on my account is incorrect. The payment per month does not show as well I am still waiting for all payments to be correctly reported and my FICO score to reflect I have a mortgage loan.

No company is by law to retaliate against any consumer when trying to address issues with their loan can not be met by contacting the loan holder, company.

XXXX/XXXX even sent me a letter on the CFPB complaint a few weeks ago stating they would fix the issues and reinstate my FICO score since I have yet to receive any points from my VA mortgage loan.

Now my credit report is worse with errors regarding my mortgage loan. Once again out of retaliation from XXXX/XXXX.

I will keep filing complaints until this serious issue is finally resolved ... going on over a year now.
Product: Credit card or prepaid card

I have repeatedly advised Discover that I was a victim of Identity theft and even provided w police report. Discover advised that because their name was not listed they could not use it. The identity theft was brought to my attention due to applying for residence and being denied due to an eviction which led to a judgement being placed on my credit. I found that someone fraudulently obtaining a lease in my name which can be verified with XXXX XXXX and the police report. This led to me pulling my credit reports as I filled a police report and after began closely examining my credit card statements ( as I never did only paid them without looking at the activity ) where I came across alot of fraudulent activity and immediately contacted my current credit card companies as I was still in possession or possibly lost/stolen. I have been hospitalized and then placed in XXXX due to Exacerbation/Relapsing with my XXXX XXXX brought on by the stress of this situation where I loss the use of my hands. I am currently receiving In home Infusions due to the impacts of this stressful situation ( new brain lesions, increase cognitive impairment, numbness etc ). I am tired and will not allow this to kill or permanently impair me. I had submitted emails to them and even talked to reps and NOONE seems to care
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of an account on my credit report that does not belong to me. The accounts name is XXXX XXXX XXXX XXXX XXXX opened XX/XX/2016 {$6000.00}. I have no idea who is responsible for opening this account but I did not give anyone permission to open it in my name. I filed an FTC report as well as a XXXX XXXX police report which I have attached to this complaint.
Product: Debt collection

Capital Management Services , LP Claims I owe them XXXX , and I don't owe them and know nothing about this " Debt '' .. I've reached out directly to them VIA there website " Contact Us '' 20 days prior to this day and have asked for Verification and Validation and haven't received a response whatsoever. and I don't want false information to uploaded to my Credit Report without any Verification. Thank You CFPB.
Product: Debt collection

I have resided in the State of Texas since XX/XX/XXXX and maintain cellphone service in Texas. 

On XX/XX/XXXX, I received a collections letter by mail from a debt collector called XXXX XXXX XXXX ( XXXX ), who was working on behalf of XXXX XXXX, a XXXX company. 

The collections was for unpaid cellular services in the state of Georgia and opened to someone at XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX, Georgia XXXX. 
XXXX said the balance was {$2900.00}. XXXX said it was XXXX. Either way, I didn't open the account. I spent several months trying to get assistance from XXXX and XXXX to remove this collection account from my credit report, but neither was being helpful or quick. On XX/XX/XXXX XXXX at XXXX advised me to get a police report and send it to XXXX, which I did. XXXX insisted this wasn't enough proof of fraud. I then worked with the 3 major credit bureaus XXXX, XXXX and XXXX XXXX to remove the collections account. Unfortunately, XXXX is being persistent in trying to force me to pay for a fraudulently opened account and this item is back on my credit report now for {$250.00} with a new collection company called Eastern Account SYS. 

XXXX won't remove the debt and each time there is a new excuse. I have provided tons of personal information that as a fraud victim I am unhappy to have to share including FULL social security number, bank statements, mortgage statements, deed, car insurance and each time they've come back wanting something else because I don't have any utility bills in my name. 

Xfinity/Comcast is at fault because they admitted to opening this account without any proper identity and address verification. The customer service agent who gave me the account number and address advised that XXXX has a practice of sending sales reps to apartment complexes and opening accounts on the spot without any verification. I am a victim of their poor business practices and now they are insisting on holding me accountable for their mistake. I have submitted all requested documents 4 times to no avail. This last time they said the docs I sent timed out. 

This business needs to be held accountable for poor due diligence at account opening and even worse fraud handling processes. I am tired of being pushed around. My near XXXX XXXX XXXX is damaged and I have been denied access to start up business credit twice due to their greed and poor business practices. They should be fined and have to pay restitution to me and all other impacted consumers for the inconvenience and damage to our finances and personal lives. Please help me.
Product: Money transfer, virtual currency, or money service

I sold goods on XXXX to a gentleman who paid {$1800.00} by using PayPal. I was told the funds would be held until XX/XX/XXXX to confirm that the buyer had received his items. I paid {$350.00} to ship his items out of my pocket to speed up the process of releasing the funds like I was told. I learned on XX/XX/XXXX, that because this transaction was outside of my normal scope of business I would need to remove the limitations on my account, which is not able to be done by using the XXXX app like stated. Once, I was able to get in front of a laptop because I was traveling, I logged in and provided the information and was told it would pushed to back office to assist in fixing the issue and I should be able to transfer my funds in 3 days. I waited the 3 days and was still unable to transfer the funds to my bank account. I reached back out to PayPal and was told my account was still restricted because there was a discrepancy in the last name on my profile and the last name on my Driver License. I was told to submit my marriage license and they would fix the issue. I submitted the marriage license today XX/XX/28 and have now been told it will be another 3-5 days before they can fix the issue. Another 3-5 days will put me at 30 days I have been waiting for PayPal to release my money. I do not understand why this wasn't an issue with PayPal when I processed a similar transaction on XX/XX/XXXX for {$1500.00}. Not to mention PayPal didn't delay in taking their fee from those funds immediately upon receiving them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act, The list of accounts below has violated my Federally Protected consumer rights to Privacy and Confidentiality under 15 USC 1681 XXXX XXXXXXXX Account Numer XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 Section 602 States I have the right to Privacy 15U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than a record of convictions which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate
Product: Debt collection

Recently, a company named Merchants Credit Guide started reporting a collection account on my credit report. I have no idea who or what this is. The Fair Debt Collection Practices Act states that a collection agency is required to provide a 30-day notice to dispute, prior to an account such as this be reported on my credit report. I received no such notice, and was not provided with the opportunity to dispute this debt, prior to this company reporting it on my credit report.
Product: Debt collection

I have been working with a legal firm, XXXX XXXX, to resolve a debt owed to XXXX XXXX. There was a judgement against me which was handled by Attorney XXXX XXXX phone # XXXX. A payment of over a XXXX dollars was made to the office of Mr. XXXX by XXXX XXXX and I made an additional payment earlier this month as agreed. This morning I looked at my bank account and it had been completely garnished, along

with my savings, and the two savings accounts of my XXXX  adult children. I have acted in good faith and made every attempt to make payments and resolve this issue. At this very moment I can't even buy groceries or put gas in my car because these unscrupulous people have taken all my available funds. How can I work and function to resolve this when I can't buy groceries or put gas in my car to get to work??
Product: Debt collection

I am having with my credit report. The account name Receivables was added to my report and was disputed with XXXX on XXXX XXXX, XXXX. The investigation was completed and the account said above was deleted from my XXXX credit report. Later, the account was added back as Access Receivables Management on XXXX XXXX, XXXX. This action infringes on my Fair Credit Reporting Act Rights for Section 605 [ 15 U.S.C. 1681c ( c ) ( 1 ) ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I Called XXXX XXXX today X/XX/2017 in regards to an account balance showing my my credit reports, there was no account listed in their system for me. The reporting address for the alleged debt is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In my credit report, under various accounts and inquiries, there was fraudulent activity. I've been trying to reach out to the bureau where this XXXX has taken place, but we haven't found a solution.
Product: Debt collection

In XXXX I had a late payment and it was due to my online banking being disabled after I received fraud across multiple different cards. The online banking being disabled for 3 weeks caused me to be late on my payment. I talked to many advisors at Wells Fargo and they said I would not be effected however per my reports it looks like I was. Ive paid every payment on time, and use credit cards solely for the points and cash back opportunities. Not because I need the money. Im looking to buy homes and scale my business and would love this blemish removed from my near perfect credit score.
Product: Credit card

I opened a credit card through Costco for my business. It was run by XXXX XXXX. It was a new credit card so the billing date was new to me and I was late in some of my payments by a day or maybe up to a week but I never missed a payment. They are now charging me an outrageous 29.49 % interest rate on my account balance of {$24000.00}. 
Now that Costco has purchased these accounts from XXXX XXXX and now run them through Citi Bank they are still insisting that I pay the 29.49 % interest rate. I thought that the new laws protected customers if they were a few days late on a payment?
Product: Student loan

On XX/XX/2018, I submitted an Employment Certification to support my Public Service Loan Forgiveness ( PSLF ) application. After XXXX  updated the number of payments I have made under the program, I noticed they were missing six payments. I immediately alerted them by calling them to verify which payments they do not show being made. Once that information was verified, I uploaded a letter with attached bank statements showing that the payments were in fact made. I then called a few days later to verify that they did receive my letter and to inquire when the process would be complete. I was told that it would take 7-10 business days. I called 10 business days later and was informed that the case was just assigned and it would be complete on XX/XX/2018. However, as of XX/XX/2018, the payments had not been applied and there is no notice that they even processed my issues.
Product: Money transfer, virtual currency, or money service

I am in process of purchasing house, currently under contract and was planned for closing on XX/XX/XXXX. I was estimating approximately XXXX to XXXX USD in closing amount that was supposed to be due on closing day. However, I received email on XX/XX/XXXX, XXXX and XXXX from " XXXX '' to wire transfer the amount prior to closing to allow closing process smoothly. I could not recognize it to be phishing attempt initially as I was using my cell phone to check emails and email address was named exactly same as the contact person from title company. I completed the wire with amount of {$93000.00} on XX/XX/XXXX and called my title company to confirm if they received the amount, only to figure out it was a scam. I have submitted fraud inquiry with both my bank XXXX and recipient 's bank Wells Fargo and it is under process but have not received back my funds yet. 

Upon contacting my bank XXXX, they state they have requested wire return request to Wells Fargo and we have to wait for them to return wire. Upon contacting Wells Fargo, they suggest I report to proper law agency for them to process the return of wire, which I have completed by reporting to IC3, but still have not received any reply on return of the funds.
Product: Debt collection

On XX/XX/2019, XXXX XXXX from Hewitt Capital contacted my son and gave him details of an outstanding debt. My son called me stating that the person was threatening to send letters to my place of employment. I also received a message from XXXX XXXX that states that Hewitt Capital has been trying to reach me and if I don't call back, the company will send legal paperwork to my place of employment. I called her back and asked her to no longer contact my son and further action will be taken if my employer receives personal paperwork. The original debt will not be paid because I have disputed the amount they claim I owe.
Product: Credit card

I lost my wallet with my license in it someone opened a cbna credit card in my name i was informed by XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that AMEX have placed an inquiry on my XXXX credit file dated XX/XX/2018. 

I spoke XXXX a XXXX customer service rep on XX/XX/2018 and was told he cant an unauthorized hard inquiry. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

XXXX report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''
Product: Debt collection

EOS XXXX debt collection agency is auto calling the above phone number with automated requests to call. I have never contracted to work with this company, and the only debt I can attribute these calls to is in excess of 10 years old and has been disputed since day one. I do not owe this debt.