23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently received notice of a collection account being reported to the credit bureaus from : I C System, Inc originating from XXXX XXXX on XX/XX/year> for {$180.00}, opened XX/XX/year>. 

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide you with proper notification about a debt before attempting to collect it. 

As of today, XX/XX/year>, I have never been contacted by I C System or XXXX XXXX about this bill, nor the negative collection report that was filed to the bureaus. In fact, I have never had services from XXXX XXXX. I have never signed any paperwork/contract to have their services, and I have never had an account under my name and information with XXXX  at any point in time. 

I contacted XXXX XXXX at XXXX PT on XX/XX/year> on a recorded phone call to ask for more information about this account. XXXX  informed me that they have no records of any account with them under my name, phone, or any other contact information. I asked them to contact I C System to remove the account from my credit report and they informed me they wouldnt know how since I have never had an account with them. 

Due to violation of the FDCPA through absolutely no communication with me by XXXX  or I C System, Inc about this debt account, and the fact that I have never had an account with XXXX  ( which was verified by XXXX  ), and no one can provide any evidence of any signed documents or verification information that I ever had an account with XXXX, then this collection is fraudulent and inaccurate and needs removed from my credit report on all bureaus immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Debt collection

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 3 Student loans ( account numbers ending in XXXX, XXXX, and XXXX ) opened in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by the Dept of Education, and a collection account ( account number unknown ) opened by XXXX  ( XXXX XXXX XXXX ) in XXXX. A credit card opened by XXXX XXXX XXXX  ( Account number starts with XXXX ) and XXXX XXXX XXXX  ( account ending in XXXX ) in XX/XX/XXXX. An auto loan through XXXX XXXX XXXX XXXX  ( account number starts with XXXX ) opened in XX/XX/XXXX. A XXXX XXXX line of credit ( account number starts with XXXX ) opened in XX/XX/XXXX, and a credit card through XXXX ( account number starts with XXXX ) in XXXX XXXXThese accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

ERC, a Debt Collection agency has an agreement with me to collect {$50.00} per month to pay a debt I owe. In XXXX on the XXXX they charged me {$50.00} from my bank account and then on the XXXX the same. 
Payments were to be made on or about the XXXX of the month and have been like that since XXXX. In XXXX was charged 2 times by this company. 
Once on XX/XX/XXXX and once on XX/XX/XXXX. 
I have attempted to speak to someone at ERC but have been hung up on numerous times, laughed at, transferred to dead end lines and finally given the presidents number only to find his voice mail full. 
When I called back about this I was to keep calling it till someone picked up. 
They refuse to put me in touch with whoever might be able to help me. 
I am on a shoestring budget as I am XXXX and unable to work, so an extra {$50.00} is kind of a big deal.
Product: Debt collection

Unable to send the company an email regarding the claim, which was not handled properly. This is a medical claim where charges were not submitted to insurance carrier. Thank you!
Product: Checking or savings account

I have been a member of BB & T since XXXX. Back in XXXX I switched my account so I would not have to pay any fees. My interpretation of what was told to me is if I had over four hundered dollars in my savings and kept over 1,500 hundered in my checking my accounts would not be charged. If you look in my checking account, I always had more than that and had my direct deposits sent in there as well. As for my savings, I never touched it. I thought my saving would be getting interest. Isn't that what a savings account is supposed to do? This past XXXX in my statement I saw that my savings was at a zero. Come to find out BB & T has been charging my account a maintanence fee as well as a inactive fee, eventhough my paychecks have been going into my checking account and I have been having automatic drafts out of my account and writing checks to vendors. When I confronted my branch about it, I was told that it was my responsibility to keep up with my account. They said they will look into though and try to get my funds back ; however, after two weeks the branch manager called me and told me that he did everything possible but the bank will not refund me my funds and said sorry. I then contacted BB & T hotline and after talking with the customer service rep that they could refund up to XXXX of the funds. I can't remember if the rep said I would get more of my funds back or not. But I was told that it was my responsibility to keep up with my account. This was a savings account. I did not expect to be charged XXXX a month for fees and have it depleted. I had that as a reserve in case of an emergency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  the Account Name ( XXXX XXXX XXXX ) with ACCOUNT NUMBER ( XXXX ), has violated my rights.

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

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

I'm victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint regarding inaccurate information on my credit report that the credit bureaus have refused to correct. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute incorrect, incomplete, or fraudulent information. 
I previously disputed the following accounts with [ XXXX ] XXXX but they failed to properly investigate and remove the inaccurate information : Disputed Accounts : [ XXXX XXXX XXXX ] [ XXXX ] Issue : Incorrect balance, Late payments reported incorrectly. 
[ SYNCBXXXX ] [ XXXX ] [ Issue : Incorrect balance, Late payments reported incorrectly. 
[ SYNCB/WALMART ] XXXX [ XXXX ] - [ Issue : Incorrect balance, Late payments reported incorrectly. 
Despite my request, the credit bureau has not provided sufficient proof of verification and has continued to report inaccurate information. This is a direct violation of FCRA 611, which requires a fair investigation within 30 days. 
I am requesting that CFPB investigate this matter and take appropriate action to ensure the removal of inaccurate items from my credit report. 
Thank you for your assistance.
Product: Mortgage

This is my 9th complaint Re : Select portfolio and their illegal unethical tactics- I filed my 7th complaint with CFPB re : SPS on XX/XX/XXXX COMP # XXXX and SPS never responded to me or to CFPB. I would like my complaint answered by SPS- My last complaint filed about SPS -COMP # XXXX was filed on XX/XX/XXXX at approximately XXXX. In that complaint one of the many issues was the different foreclosure dates between Sps and the company they hired to foreclose XXXX XXXX. I also provided documentation of the inconsistency and how they notify me by sending numerous letters some by register mail an some not advising of the postponement of sale- however the last sale date of XX/XX/XXXX was postponed to XX/XX/XXXX and never was notified by Sps until 2 days after I filed COMP # XXXX. The notice dated XX/XX/XXXX stating sale date was postponed to XX/XX/XXXX- ( see attached documents ) Why a 3 day postponement? On XX/XX/XXXX approx XXXX XXXX XXXX ( SPS employee -Obudsmen Department ) called and left me a voicemail stating " his name -he was calling from sps ombudsman and to call him back at re : a very important call -call back @ is ( XXXX ) XXXX press # 3 XX/XX/XXXX apprx XXXX I called the number back and spoke with XXXX XXXX with obudmsman -I asked for XXXX XXXX she stated he was not  available - I advised her of the message he left - she then asked to put me on hold- came back a few minutes late did not know what XXXX had called for I stated he said it was important -she did not see any notes on what he called for - asked if I had any questions re : the complaint that I made. the only question I asked was what date of sale did she have she stated XX/XX/XXXX I would like to know why the message about important call was made? was it to get me to call?? XX/XX/XXXX I received from sps another notice of sale postponement -new sale date XX/XX/XXXX Sps has still never answered many of the quality written repose requests- never addressed the falsifying documents -never addressed the hamp denial I have provided multiple evidence that they do not have the legal authority to do what they have done and are still trying to do. and again Provide an answer to complaint I filed with CFPB on XX/XX/XXXX as I never received a response nor was one provided to CFPB COMP # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to file a complaint against XXXX and Transunion regarding an inaccurate collection account that is being reported on my credit reports. The XXXX XXXX XXXX account is in violation of the Fair Credit Reporting Act ( FCRA ), which states that any incorrect information reported shall be verified or deleted from the report. 

The collection account in question is for XXXX XXXX XXXX in the amount of XXXX. According to my records, I have never had any dealings with this creditor, and I do not owe them any money as of XX/XX/. Furthermore, the collection account has not been verified by XXXX XXXX XXXX or any other entity, despite my requests for verification. 

I have attempted to dispute this collection account with XXXX XXXX XXXX and the credit bureaus, but it remains on my credit report. This inaccurate information negatively impacts my credit score and ability to obtain credit and loans. 

Therefore, I request that the collection account be deleted and removed from my XXXX and Transunion credit reports immediately. I also request that XXXX XXXX XXXX cease all collection activities related to this account. 

Thank you for your attention to this matter. 

Sincerely,
Product: Debt or credit management

I cancelled service after 6months. I have since moved and would like a refund from the class action law suit.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) A person shall 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 Delete the accounw below Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They must be eliminate due to their inaccuracy
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXXXXXX XXXX [ XXXX, Texas XXXX [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ Experian ] [ XXXX Experian XXXX ] [ XXXX Texas, XXXX ] Subject : Dispute of Missing Information and Request for Debt Removal Dear [ Experian ], I am writing to formally dispute inaccurate and incomplete information on my credit report and request the removal of an invalid debt. Upon reviewing my credit report, I discovered that the following account contains missing or incorrect information, which has resulted in an inaccurate reporting of my financial status. 
Disputed Account Details : Creditor Lender Names : XXXX XXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account account XXXX The reported debt is inaccurate due to [ inaccurate payment history, payments not reflected, account closed but still reporting a balance, fraudulent activity, or any other valid dispute reason ]. I have enclosed supporting documentation, such as account statements, payment records, and correspondence with the creditor, to substantiate my claim. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be thoroughly investigated and, if found to be incorrect or unverifiable, be removed from my credit report immediately. 
Additionally, I request a written confirmation once the correction has been made. 
Please consider this letter a formal request for resolution, and I expect a response within 30 days as required by law. I appreciate your prompt attention to this matter and look forward to hearing from you.
Product: Credit card or prepaid card

The credit card account is through Synchrony and was obtained through the purchase of a XXXX XXXX bed. I agreed to make timely monthly payments in the amount of {$200.00} with no interest charges and have made all payments in advance. However, when I made the XX/XX/2023 payment on XX/XX/2023, I received a notice of nonpayment today. I contacted Synchronys customer service and was informed a statement was cut on the same day as my payment and because of this, that payment was entered as an extra payment. Synchrony agreed to delete the late fees but stated they could not reverse the payment and apply it correctly to my XXXX payment. They also advised on XX/XX/XXXX, my minimum payment due is {$400.00}. The online payment portal does not show information regarding additional payments nor does it state their statements for the following month are cut XXXX  days following the previous months due date. I have never made a full extra payment in my payment history. I simply would like the payment reversed and correctly applied to the XXXX payment. This is not my error.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom IT MAY CONCERN, I recived a copy of my credit report with the intention of trying to improve my credit and take care of my reasonabilities and noticed some accounts that i wanted a little more explanation on. Im not saying they are reporting right or wrong .I am just saying that i am not 100 precent if they are.I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything i am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C sec 1681i { a }? I heard that if you can't provide prof these accounts must be deleted. Well I want just that for these listed accounts deleted. I want these accounts deleted if they are not 100 precent right and correct. So could you please check on these and get back with me asap. I saw on a credit site and board where this lawyer said you have 30 days to complete this investagation. Please investagate the folling accounts and remove them if anything is missing or not correct on them. 

Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Please investagate every peice of infromation is correct. if not, please remove it from my credit report.
Product: Consumer Loan

I had a lease through Mazda Capital which is ran by Chase Bank. The lease was ending and I turned the car in at the dealership and notified Mazda Capital. I checked on my online banking and it said that automatic payments were turned OFF. On the payment due date they deducted another payment from the bank account that WAS NOT OWED because I turned the car in and ended the lease. I called Mazda Capital/Chase about this on the day the payment occured and they assured me that I would get a refund within a week. After a week had passed I called again and was told that the refund was denied because they will not issue the refund until they completely close the lease account and send the end of lease bill. I was told this end of lease bill can take 30 to 90 days to generate so that means they will have been holding on to a payment that should never have been made for months! I called and pleaded with them that I need this money back - I spoke to a supervisor and they do not care. I was told there is nothing that they can do for me other than wait. This is not right! I need this money to pay my bills and I never owed this money. I turned the vehicle in a few days before the lease ended, there was no more money due on the account. Please help me. I would have attached documents to this complaint, however my online account disappeared from my online profile right after I called and complained so now I have no access.
Product: Debt collection

Transunion website site wont let me dispute or file claim against an account! I cant get no information about any accounts! Every time my Credit Score gets above XXXX, Transunion will find some old account or unknown account and place them on my credit report to keep my credit score below XXXX!
Product: Mortgage

Ladies and Gentleme n : Caliber Home Loan s is a mortgage company in  XXXX   (   XXXX   ),  TX, and in California.     They programmed their mortgage application   XXXX   to back off and not send out the required consumer notices onc e Caliber h as the  XXXX  points of data from the consumer who is applying for a new loan. They are very pleased they have found programmers who will do this for them.     Regards,
Product: Debt collection

XXXX XXXX has duplicated my old debts on all of credit reports changed the amount by a dollar. So it looks like I owe double for each account in collections. Original creditor AND collection company both on my credit reports killing my score. XXXX and XXXX both have done this punishing me for example a XXXX debt now I owe XXXX companies which Experian Said is two different companies for two different amounts-and dates! Original creditor needs to delete it off of my credit when they sell it to a collection agency. I have been dealing with this for years every single account!!!! Costing me XXXX in points, money and debt to income ratio. How much longer do I have to suffer???????
Product: Debt collection

I called this company today ( XX/XX/20 ) because they have been calling me non stop at all hours of the day and week. They've called past XXXX XXXX  and they've called me as early as XXXX XXXX on a Sunday. When I called them today to find out why they were calling they were claiming I owed money on an account that I show as being paid off for years. I asked for the address to send a cease and desist letter and she refused to give me the information. She just kept telling me about the money I owed. I advised her I wanted proof and again she refused to tell me and eventually she hung up on me because we were both raising our voices and she again was refusing me the information to prove tminactuaoly owe this debt. Company is called Portfolio Revovery Associates in VA. Not to mention they are calling me this many times on a debt during a supposed state mandate in MA that says they shouldn't be doing this. She also mentioned this was going to court and legal action. After she hung up I did call back and finally got their address and fax to send the cease and desist, but even then this other guy had to ask permission to give out that information. They are located in XXXX VA. If anything this creditor owes me money as they continue to take money out of my account each month for a card thats paid off. I'm elderly and I feel that they are taking advantage of that fact. Shameful that they are doing this during a medical crisis as well.