23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 letters to each of the companies requesting documentation regarding the alleged debt. The first one was sent on XX/XX/XXXX to both CCS COLLECTIONS and XXXX XXXX XXXX. The second time I sent letters was on XX/XX/XXXX to both of the companies. To this day I have yet to receive any formal documentation validating this debt. CCS COLLECTIONS is reporting a debt of {$880.00} and XXXX XXXX XXXX is reporting a debt for {$730.00}.
Product: Credit reporting

XXXX XXXX XXXX , XXXX unauthorized use of my name account unknown verification or debt and original proof provided
Product: Debt collection

A customer service agent from the original creditor XXXX XXXX reached out to me by email and phone on Tuesday around XXXX. At first when I was talking to her, I was very hesitant about giving her my info without her verifying what info she actually had on this account. Mind you this conversation was recorded. When I finally asked the lady if I give her my social security or the last four will she verify that it is my social security and if not take this off my credit report. She did not agree to removing it off my credit report which I did not understand but I do know that it is fraud to not remove an account that can be proven not to be mines off of my account. However, I gave her the number and she did research and said no that is NOT the social security number that we have on file. would that not be enough to remove that from my credit file? She asked me to send my documents in to here ; however, I do not feel comfortable sending my documents to a company I am not affiliated with. I have decided that I will stand my ground. The case number I was supplied on this case is XXXX. If this was under my social security number I would have filed a fraud dispute ; however, since they have confirmed to me that it is not my social after all these years I beg you to quit letting them falsely keep this on my account and dampen my good credit history by coming after the wrong person. PLEASE.
Product: Debt collection

Portfolio Recovery Associates , LLC, placed a collection account on my credit report. I disputed the debt with the credit agencies. I requested verification of the debt, signature pages, and payment history of the account. Portfolio Recovery has not provided this information, but did provide a one page with information about XXXX XXXX  being the original debtor. This debt was forgiven in XXXX  and a 1099C was issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my report today and I noticed some inquiries on my report that Im not aware of as you know reporting anything inaccurate on my report is against the FCRA and it needs to be eliminated immediately. I dont mean to be so upfront but Im trying to better my life and this is holding me up .. 

Inquires : XXXX/XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX  Name of Account : XXXX XXXX XXXX Name of Account : XXXX XXXX XXXX XXXX XXXX Name of Account : XXXXXXXX XXXX XXXX Name of Account : XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX  XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account on XXXX  that was removed and after about six months the account was added back to my credit profile.

According to 15 U.S. Code 1681b ( 2 ), I didn't expressly give XXXX  written permission to furnish a consumer report about me, nor specific entries contained within a consumer report. 

As a consumer, pursuant to 15 U.S. Code 1681b ( 2 ), it's my right to have a say so as to what appears on my consumer report and I'm demanding that XXXX  remove the collection account that XXXX XXXX ( also known as XXXX XXXX XXXX ) illegally placed on XXXX  as well as Equifax. 

Thank you, XXXX
Product: Checking or savings account

I applied at XXXX XXXX XXXX XXXX and was denied opening an account. I was not given a reason instead I was sent a letter from XXXX XXXX XXXX in regard to account that I had with USAA which was closed by USAA without notice to me. The account status according to early warning is closed and no balances are or were owed upon the closing to the account. Since then my name and social have been submitted and I am unable to open a new account with XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I look out my credit report, I had found out that there are some account that need to be corrected on my credit file. The fact is, this account seems to be inaccurate as well as the accuracy. So in this way, I am complaining for you to investigate this issue. According to Fair Credit Reporting Act Section 605b, it was the responsibility of the XXXX credit bureaus to correct the accounts on someone's credit file. Kindly correct this account immediately : XXXX XXXX Balance : {$660.00}.
Product: Mortgage

There is an attorney fee/foreclosure expense fee placed on my account, the mortgage has not been in foreclosure, I asked for 12 months of statements and explanation of why this charge was assessed, since account is in good standing and current, I have not gotten a response, it has been 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively affecting my credit.
Product: Debt collection

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Product: Debt collection

I 've sent XXXX and Pinnacle Credit Services ( collection agency for XXXX ) numerous letters to send me proof that I owe such a large amount. I am yet to hear back from either company.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : ________________________________________ Incorrect Information to Be Removed : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX debited $ XXXX XXXX I called my bank immediately and they told me that my account was suspected of fraud. Because the originator who made the transfer to me recovered the money. 

I immediately contacted my friend why he recovered the money and he said he did not recover my money because he was defrauded by someone else and then recovered $ XXXX XXXX I immediately called XXXX XXXX and explained why XXXX XXXX did not accept it and told me that I needed to have my friend call the bank and tell them that my money was not fraudulent. 

I asked my friend to call his bank ( XXXX XXXX ) and XXXX XXXX said it was being processed and accepted. After a week my friend asked for the result and East West Bank told us it would take 95 days to process an issue. 

Now it has been four months and East West Bank says it has not seen my money and I asked my friend to send me the debit details that XXXX XXXX mailed to me. Every time I call XXXX XXXX says they will give feedback, but four months later I have not been able to get a resolution or feedback. 

To this day, I can't get a result from XXXX XXXX, and they are not protecting my rights as a XXXX XXXX customer. The direct debit has prevented me from paying my tuition on time. I am unable to pay my rent and living expenses on time for this reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I XXXX XXXX XXXX had an account with BB & T BANK Routing # XXXX & Account # XXXX, in XXXX NC XXXX. BB & T 's Bank Manager told me that his Representative will CLOSE my wife & my Account as of XXXX XXXX. XXXX, she did ( letter enclosed ). I ( XXXX XXXX went to BB & T to make sure this was recorded in their files, it was not.I spoke to a XXXX XXXX XXXX at BB & T she stated that, quote '' that manager was n't suppose to CLOSE this Account & he was n't suppose to wave any fees, you 're have to pay all fees & your Balances '' unquote.Well, here 's our " Account Closeout Receipt enclosed! '' Our name is in the XXXX, because of this! Sign, XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit card or prepaid card

I called Capital One to try to get a settlement on my two credit card accounts, the representative kept saying I didn't qualify for any of their programs but Capital One advertise hardships from XXXX. I explained to the representative not only was I sick but my husband was sick and also had a XXXX XXXX that caused him to have XXXX XXXX  XXXX and I had to be off work to help assist him. Then I ended up having my XXXX removed months later. I then asked her to remove the late payments and waive the late fees, she agreed to remove one late fee and informed me that was all she could do. I stated, '' Capital One is false advertising about the COVID help because you pretty much told me I didn't qualify for your programs when I can prove XXXX was a hindrance. My other credit card companies helped me out without any issues.
Product: Debt collection

I have a vehicle financed through Ally Servicing LLC. Address XXXX XXXX XXXX, XXXX, MN. XXXX. My account number is XXXX. Today, XXXX at XXXX. I received a call from their collection Dept @ XXXX, and spoke to a man that I set up a promissory payment for this coming Friday, for {$1000.00}. As I was trying to tell the representative that when they call me I answer but theres no one on the phone. I hold the line for about a couple of minutes and its just dead air, and that they call me multiple times a day all day long to where I feel its unbearable and harassing. He told me that I have been blocked from making my payments over the phone or through the app and that I have to continue to make my payments via XXXX XXXX, or XXXX, which I have been doing for over 1 year. Which causes me to accrue an expensive fee to make payments. They will not allow me to make a free source payment to the company. I asked to speak to the manager to see why I was still blocked and the rep became very rude, condescending, and harassing! He told me to STOP talking, and refused to transfer me to a manager. He put me on hold for over 5mins, and didnt return to the call. So same day later I get another call at XXXX from the company # ( XXXX ) XXXX, I spoke to lady that didnt give mini maranda, or verify my info. I thought she was a manager calling but she was not, and was trying to collect a payment. I advise that I had made arrangements with previous representative that was rude and refused to transfer me to supervisor. I asked her to transfer me to supervisors multiple times she refused and advised that they were all in meetings and will have someone call me back. I also told her that I would be making payment Friday. She stated the supervisor will call me back. So I get another call at XXXX a little later from XXXX macaraeg from XXXX, I thought she was a supervisor but she wasnt. She too trying to collect payment on my vehicle which I already set up arrangements with the prior representative. All day long this company calls me even when I have payment arrangements on file!!! They continue to call and HARASS ME EVERY DAY and the representative talks down and belittles me. Its UNBELIEVABLE! I have to pay expensive fees through XXXX XXXX to make a payment! Its UNBEARABLE!
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 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 that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

This is regarding a dental cleaning I received on XX/XX/XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. XXXX  XXXX sent my account to collections 2 years after I had my teeth cleaned, though the issues was their fault and they failed to file the dental claim through XXXX timely. On XX/XX/XXXX, I went to XXXX XXXX XXXX and got a regular cleaning which my dental insurance, XXXX usually would cover 100 %. I provided XXXX my insurance for the cleaning at the time of my cleaning. I never went back to XXXX againand never heard from XXXX again. 

Almost 2 years later, on XX/XX/XXXX, I receive a call from a Capital Accounts collection agency that I owed {$310.00} from services at XXXX XXXX Cleaning, or it will go in my credit. I told the collection agency my insurance was supposed to have paid dental cleaning in XXXX. I called XXXX XXXX XXXX the following day on XX/XX/XXXX about the collection call. The lady who answered said she was the manager when I asked for the manager. She was very rude and basically told me that I have to deal with the XXXX XXXX collection agency when I asked her to pull up my account to find out what my insurance paid and why they never contacted me for almost 2 years and sent my account to collection agency and she hung up the phone. I called the collection agency again on XX/XX/XXXX to let them know that XXXX said I have to deal with them to find out what my insurance paid. The collection agency told me they do not deal with insurance companies ; all they do is collect payments. 

Also, on XX/XX/XXXX I called XXXX about this dental services from XX/XX/XXXX at XXXX XXXX XXXX. The customer service rep at XXXX told me that they received a claim XXXX XXXX   XXXX for the XX/XX/XXXX cleaning, however that XXXX did not file the claim until XX/XX/XXXX, almost a year later and XXXX had 180 days to file claims and so they denied it for untimely services. XXXX also stated that I do not owe because I had coverage, but XXXX failed to file timely and so XXXX should be responsible for the issue and absorb the cleaning and should never come after me I have contacted XXXX  multiple times, but they always state a manager will call me back. On XX/XX/XXXX, my three ( 3 ) credit scores from XXXX, XXXX and XXXX all dropped drastically because Capital Accounts put it on my credit. 

I have attached documents from XXXX showing that I had coverage for the XX/XX/XXXX cleaning, and that XXXX XXXX   XXXX did not file the claim timely and the denied the claim - " XXXX XXXX - This procedure has been submitted after the timely filing limit ''.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

During the week of XXXX XXXX of XXXX  I spoke with all 3 credit bureaus about this matter along with the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX I ask the my transactions along with my experiences be removed from the following accounts per 15 US code 1681a paragraph 2 A. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out this company in regards to pay off a loan borrowed from them and settled on the amount {$250.00}, from amount owed which is XXXX. I wrote them a check for {$250.00}, and its notated on the check negotiation of tender settles debt AND removal. Theyve accepted the check early XXXX. Months later, I examine my credit report to see NO updates to the entity on my credit report, even after payment and its been at least 3 months. Their in violation of FCRA laws and refusing to update in a timely manner as well as refusing to remove entity. My argument is the time it took to see any results wasnt reflected in the time given which is 30-45 days. Theyve had 2 extra months to supply an answer and have failed to do so.
Product: Debt collection

I asked them to send me a break down of the debt owed, original signed contract between me and the credit card provider, any statements of the debt. My requests have been ignored and they ruined my credit. The debt they say I owe is over 15 years old and the judgement finally dropped off of my credit report and then I received a Notice from the Clerks Office of XXXX XXXX XXXX. I don't know if this is legit or if it's a scare tactic and when I looked up the attorney on a XXXX search his picture comes up as both and attorney for Portfolio Recovery AND a XXXX which made it even more suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Equifax for the following unauthorized inquiries listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

1. ) XXXXA Date of inquiry XX/XX/2021 2. ) XXXX XXXX XXXX Date of inquiry XX/XX/2021 3. ) XXXX XXXX XXXX Date of inquiry XX/XX/2021