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

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, SCXXXX  XX/XX/XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX
Product: Consumer Loan

harassment on car lone after due date and looking into other accounts asking for payment after I told them that the payment was on the way.
Product: Debt collection

This is a XXXX XXXX Credit Card Debt from XXXX. 
I have been trying to settle this debt for over 1 year with UNIFUND ( who owns this debt now ), as well as with XXXX XXXX XXXX ( their lawyer, Mr. XXXX ) - however, UNIFUND says they can not receive payments, because XXXX XXXX XXXX is handling this for them. I was told by UNIFUND to contact Mr. XXXX, but this is imposible, since he refuses to speak to clients. I have called more than 50 times, I have left more than 40 voice messages on his answering machine in XXXX as well as XXXX. 
The phones are being answered by different receptionists - I have records of all the dates and times and names when I called. 
I have asked for call backs, but Mr. XXXX has never responded to my many attempts in over 1 year. I have made many good faith attempts to settle this debt, but XXXX XXXX XXXX, Mr. XXXX, are unwilling to talk to clients, to respond to emails or priority mail letters, he prefers threatening people to sue them even when they are willing to negotiate and pay.
Product: Student loan

In XXXX of 2015, I set up a XXXX month forbearance with Genesis Lending in which they would deduct {$40.00} every month for XXXX months. I received a letter stating what was set up over phone and another statement stating that it was going to deduct on a particular date as I had set up in XXXX and the payment was deducted accordingly. My father, who is a co-signer on this loan received a letter dated XXXX XXXX, 2015 stating that this account is past due and payment was owed immediately. I called Genesis Lending and was told that my forbearance was processed incorrectly and that the last associate I spoke with was wrong in the terms of repayment that they offered me. But because this was their mistake, he offered to fix this for me and to put a new plan of forbearance in for processing that would be {$40.00} for 6 months, {$80.00} for the next 6 months and then {$160.00} for the following 6 months. When asked why I had not been advised as to this processing issue he stated that a representative had called me on XXXX XXXX, 2015 and was unable to leave a voice mail. I never received a call from Genesis Lending. When I asked why I had not been notified in writing he responded with " I do n't know ''. I got no answers, but just an offer to change my forbearance plan to something I did n't originally agree with. This company has not learned its lesson and is BAD business. 

I attended XXXX XXXX in XXXX, GA from XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed there were fraudulent accounts open along with multiple addresses i have never lived in, inquiries and names listed on my credit report. I have filed a FTC report # XXXX and I will attach it along with proof of my address and this address that should be only address on file. I have NOT lived at the other address or have any knowledge of those accounts. And inaccurate names being listed on my credit report. I have the right to have my consumer credit report complete and accurate. 

I have listed the accounts that are not mine on the FTC report. I will also put them below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Redundancy since first statement time expired. Midland Credit Mgmt mailed a notice on XX/XX/23 requesting that I provide full satisfaction of debt which I faxed to attn XXXX at her request after speaking with her by phone to fax no XXXX on XXXX. Midland repeatedly email and US mail harassing me to pay settlement to resolve a debt not owed. Im requesting that CFPB order Midland to cease and desist mailing any further communication regarding monies owed when proof has been sent specifying payment dates and amounts and, pay {$1000.00} in penalty for their failure to not take seriously receipts of proof of payment and harassment after repeatedly advising them through email that debt has been satisfied.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX XXXX XXXX for {$210.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from Experian, XXXX, and XXXX, and I was surprised to find an entry for a debt from XXXX XXXX XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Debt collection

Suttell and Hammer firms had my home served. I was not given the papers and no one confirmed that I lived at that address. They were handed to a visitor who was able to get them to me at a later date. I have sent emails to the firm/lawyer on XX/XX/XXXX/25, XXXX/XXXX/25, XXXX/XXXX/25 as well as filled out the online form on XX/XX/XXXX and XX/XX/XXXX. I have not gotten any contact back. I have called on XXXX/XXXX/25, XX/XX/XXXX25, XXXX/XXXX/25 and left voicemails as I have not had my call picked up or returned. I called on XX/XX/XXXX25 and was told to call back. I have had no contact while trying to pay this debt and the company has not contacted or communicated with me. I was to handle the matter and have been unable to.
Product: Debt collection

XXXX XXXX : XXXX At approximately XXXX central standard time XXXX XXXX XXXX at Orion Capital Solutions , LLC contacted XXXX XXXX regarding my debt, and without validating that she is speaking to the correct person released the last 4 digits of my social security number and emailed a PDF of a document containing my full name, address and debt information. This is a clear breach of my personal information as the agent never validated she was talking to me and not a XXXX party. 

Here is an approximate transcript of the phone conversation : XXXX : Is this XXXX XXXX? 
3rd party : what is this regarding? 
XXXX : before I can discuss this further I need to validate I am speaking to the correct person. Does your social end in **** 3rd party : yea, what is this regarding XXXX : this is an attempt to collect a debt XXXX then proceeds to share details regarding the alleged debt. The 3rd party asked if a copy of the information is available. The debt collector then proceeds to email a copy of a statement containing my full name and address to the 3rd party.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX under Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

They do not have around the clock access to somebody to help fix issues on the spot. You have to wait days even over the weekend to get the help you need. Ive had multiple entrances with them too many to attach below. I do feel like I need to speak with somebody to make a complaint. I have all of the threads of messages as proof I tried multiple times to tell them that something was fraud and they were no help to me. I would always just get pushed off anytime. I try to reach customer service. It always said somebody would get back to me
Product: Debt collection

I have tried to get the company to stop reporting incorrect information. They arent responding to my correspondence. There is inaccurate information reporting on my credit report by this company every month. There has not been any activity with this account since XXXX yet they are still reporting inaccurate information. They are also having debt collectors harass me.
Product: Debt collection

On XX/XX/XXXX Security credit services continue to call and threaten me and my family about account that was opened on XX/XX/XXXX. The company states that I own {$1000.00} I have no idea what this for and I didn't have an account with them are the company that they are representing. This has been placed on my credit report and I have disputed it multiple times asking for the original signed copy of our contract. But Security credit services refuse to provide and it continues to get verify on my credit report as accurate information.
Product: Credit reporting

There is information on my credit report that says I worked at XXXX. I never worked for them. My ex husband did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries listed were not authorized by me and I had a freeze on my report with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I have filed police reports as well as made countless attempts to reach the creditors, the matter has yet to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Team, In XX/XX/XXXX, I informed Lexis Nexis ( company that maintain XXXX insurance report for consumers ) about a potential mistake in my report. This report was showing 3 'at fault ' accidents on my name where I never driven before. After multiple email exchanges and phone calls with long wait times, i found that my whole report is mixed up with another person who has the same name and DOB as mine. That person was involved in accidents and hence, this was appearing on my report. I sent multiple requests to Lexis Nexis to fix my report and they assured that it will be fixed. 

Now it is XX/XX/XXXX and my report is still the same. I recently ordered a fresh copy of my report and it is still showing the other person 's info. Clearly, LexiNexis never investigated the issue other wise they would have easily figured out two separate SSNs on one person 's report. This is highly unacceptable as Im facing issues because of this errored report maintained by LexisNexis.

Im requesting you to please look into the matter and take action against LexisNexis as they are falsefully maintaining consumer reports and making money while the consumer is suffering. 

My details are - Name : XXXX XXXX State of residence : Michigan D/L number : XXXX
Product: Checking or savings account

I used online billpay service with Bank of America. 

Using the online system, I authorized a check to be mailed to a contractor for {$480.00}. The check was wrongly/illegally cashed at a Bank of America institution by someone else. On XX/XX/2023 I notified Bank of America about this mistake they made. I have messaged Bank of America multiple times and gone into a XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX, CA ) multiple times. I am yet to have the {$480.00} returned to me.
Product: Credit card

I had a merchant charge for a service that was cancelled two months ago. I disputed via mail and send them their requested info via mail. They said they never received it so I immediately resent the info via fax, they said it was too late. I resent via fax again twice more and resubmitted the dispute form via fax. They refuse to consider the information and charge me for a service I did not receive. I tried contacting the merchant multiple times and each time they say they didn't charge me and don't know why I have a charge.
Product: Credit card

I have a Credit Card with Citibank. I made a purchase on the credit card for {$130.00} on XX/XX/2016 for a a commemorative XXXX. The XXXX received was not the XXXX advertised for sale. I made a disputed transaction with Citibank on this transaction because it was not the correct product purchased. 
I received a letter from Citibank dated Friday XXXX/XXXX/2016 asking for details of the disputed transaction within 10 days of receipt of the letter. I received this letter on Thursday XXXX/XXXX/2016. I completed the requirements of this request, signed and dated the return response on XX/XX/2016. 

I later received a letter from Citibank dated Tuesday XX/XX/2016 saying that the dispute was denied because they did not receive the complete response. This letter date was 4 days XXXX XXXX business days XXXX after the first letter and before I even received the original letter. 

So here 's the time line Fri XX/XX/2016 Citi date letter XXXX XXXX ) and request return within 10 days of receipt Tues XX/XX/2016 Citi deny the disputed transaction via letter XXXX XXXX ) Thur XX/XX/2016 I receive letter XXXX XXXX ) and provide requested details Mon XX/XX/2016 Mail this response back to Citi My complaint is obvious. Citi fraudulently made no attempt to investigate my claim of a defective product from a merchant. Their denial letter was dated 4 days ( XXXX business days ) after the the original request for information. This dishonest action obviously gives me no possible chance to satisfy their " investigation ''
Product: Debt collection

An apartment community called XXXX at XXXX XXXX in XXXX Texas sent me to collections without providing me a bill or notification of debt. I received no communication at all even though they have my email and phone number and I had left a forwarding address. The first that I heard of the debt was from a collections call. They are also attempting to charge me a XXXX dollar fee for not providing 60 days notice when I have written email proof that I most certainly did provide the notice and have an email of them confirming that 60 day notice.
Product: Credit card or prepaid card

It must discrimination if you get turned down by a credit card company by having a credit score of XXXX, with no missed payments, and very creditworthy. I used to be a member of XXXX, a company affiliated with Capital One, and twice I have received a preconfirmation of approval for a credit card. After receiving these approvals, see attachment, I get denied for having too many opened credit cards or inquiries. 

Therefore, I would like the federal government to investigate the company, on how many minorities have been turned down in the past year, maybe two years. So, we could have some enlighting on how they are discriminatory to minorities.
Product: Credit card or prepaid card

My identity was stolen over a month ago and I have been disputing charges. I received a bill on XX/XX/XXXX for {$5200.00} from American First Finance. I never applied or received goods for any items. I called American First Finance and they let me know that items were purchased at XXXX XXXX in XXXX, TX. They verified the items were delivered at XXXX XXXX XXXX XXXX, TX. XXXX XXXX has video footage of an XXXX XXXX  female purchases the items in the store. I filed a police report and there is an investigation underway. The XXXX police department stated the person who stole my account also stole my drivers license number and created a fake id to purchase these items.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to permanently remove the disputed accounts, as XXXX 's inaction violates tederal law and my rights as a consumer. Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report anything using my info pursuant to 15 USC 1681 4
Product: Debt collection

I try to contact the company to removed this from my credit report is affecting her my credit score. Because the debt was paid long ago. Still showing on my credit report since 2017. Please help
Product: Debt collection

On XX/XX/XXXX, I was made aware of a derogatory account/comment placed on my credit report by Online Collections regarding account number XXXX for the amount of {$790.00}. The original creditor of this debt was shown as XXXX XXXX XXXX XXXX New York. Prior to this, I was not aware of this debt, has I did not receive any communication  from Online Collections nor XXXX  XXXX  on this matter On XX/XX/XXXX I contacted Online Collections and was informed that my personal information including my SSN was provided to them by XXXX  XXXX, and that this bill was for treatment received at the emergency department at XXXX XXXX XXXX XXXX in XX/XX/XXXX. 

I have never been to the emergency room of any hospital in my life to date. 

On XX/XX/XXXX and XX/XX/XXXX I contacted XXXX XXXX XXXX through its billing department and its patient advocate department. after extensive discussions and file searches using my personal information ( Name, D.O.B, & SSN, Address ) it was confirmed that there are no medical records for me at the institution and there are no billing records for me there. I owe no bills to XXXX XXXX XXXX XXXX emergency department. 

On XX/XX/XXXX I contacted XXXX XXXX patient billing. After an extensive search of their records using my Name, D.O.B and SSN they informed me that they do not have anything in their system for me. I do not not owe them any monies at this time, I have never owed them any monies in the past, and they have no record of sending my information over to Online Collections. the fact is they do not have any record of me in their system, which simply means I owe them nothing, so there is nothing for them to send to Online Collections. 

I can not assume this issue to be a case of fraud or identity theft, as their are no records of me receiving treatment at XXXX XXXX XXXX XXXX XXXX room. There are no records of me at XXXX  XXXX. So no one has used my identity to access service form the hospital. The only one who has my personal information showing as owing this debt is Online Collections. If this was a case of fraud or identity theft then this would have have to be facilitated by Online Collections, or this is a gross mistake on their part. I also do not serve or act as a guarantor for anyone 's medical expenses or bills.
Product: Debt collection

Company - CapitalOne Amount - XXXX 15 USC 1692c ( c ) states that if a consumer notifies a debt collector in writing that they refuse to pay a debt or want the debt collector to stop communicating with them, the debt collector must stop communicating with the consumer about that debt. Please remove from credit report or I will be taking legal actions.