23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint against Fair Collections & Outsourcing ( XXXX  ) for reporting and attempting to collect a debt that is not valid. The debt in question is related to back rent allegedly owed to XXXX XXXX XXXX. However, I was involved in a legal case in XXXX XXXX ( Case # XXXX ) where the landlord 's claim for rent was withdrawn with no money judgment entered, as shown in the attached court docket. 
Despite this, FCO has reported this debt on my credit report, damaging my credit profile and causing undue stress. I have disputed this debt with the credit bureaus and requested validation from FCO, but it continues to be reported as accurate. 
This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). FCO is reporting inaccurate information and attempting to collect on a debt that is not legally owed. 
I am requesting that FCO immediately delete this account from all credit bureaus, cease all collection efforts, and provide a written confirmation that the account has been closed. I also request that the CFPB investigate FCO for these violations and take appropriate enforcement action.
Product: Credit reporting or other personal consumer reports

My identity was stolen and rights have been violated. Please see attachments and block and delete accounts from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to Macy 's and employee offered me an opportunity to apply for credit - I advised the employee that I had a freeze on my credit report and that I would have to remove it in order to apply for credit. She concurred and I removed my freeze for 2 days. ( XX/XX/XXXX - XX/XX/XXXX ) It was made clear by the employee, and I know this too, that when I UNfroze my report, I would have to show my ID and they would have to verify me, in order to obtain credit. 

I proceeded to have the Macy 's employee run my credit. Upon running it, she advised me that I need to call credit services as I was denied. I was disappointed and insisted that she please call Macy 's to speak to someone and verify me to approve me. My credit score is excellent, in the XXXX 's and I knew that wasn't the issue. 

The laziness of the employee and her not performing her job/due diligence, is what I have an issue with. Would she have done her job, made the phone call and verified me, I wouldn't be in this predicament and the inquiry would be valid ; that never happened. 

The inquiry is unjustified, due to the above unraveling of events. If this is not removed, as, I have already requested from Macy 's ( ATTACHED DOC ), I will pursue legal action and monetary penalties as this is unjust and unlawful.
Product: Debt collection

My bank accounts were levied $ XXXX by XXXX XXXX XXXX XXXX. 

I contacted the company and told them I was never sued and have no idea of the debt. They said they served me at an address I have not lived in for over 10 years and I was described as a XXXX XXXX  XXXX woman in my XXXX. I am XXXX XXXX  XXXX. I told them they served someone else and they didnt care. 

They are suing me for an alleged credit card debt from XXXX, and they said the judgment was since XXXX. 

I have never received anything from this company, I have no collection record on my credit report, nor do I have any idea the debt they are collecting on. 

They have supplied me with no information on this, they said they would send me media in the mail, but my bank accounts have now been emptied.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that Meade & Associates has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Meade & Associates but I am unaware of the amount due and your bill does not include a breakdown of any fees.Additionally, I am allowed under the XXXX law [ XXXX 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to Meade & Associates to release my medical information to a third party. I am aware that XXXX does allow for limited information about me but anything more than Meade & Associates is to only be revealed with the patients authorization, therefore my request is XXXX fold and as follows, Validation of Debt, and XXXX authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian listed a charged off account from XXXX XXXX on my credit report the end of last year, XXXX. I disputed the information and asked for them to send proof that I indeed did own the account. They couldn't provide me with the information therefore they deleted it from my account in XXXX of XXXX due to no findings or proof. Then, in XX/XX/XXXX the account reappeared back onto my credit report and when I filed a dispute now they're saying the account is valid but sent no proof of showing their findings, just that it's valid. The inconsistency of their reporting shows how it can not be trusted. I ask that XXXX and Experian delete the XXXX XXXX charge off from my account immediately if they can not provide me with a contract or proof that I own the account.
Product: Credit reporting

I have submitted a complaint with the annualcreditreport.com website but have not heard back. I have on several occasions since XX/XX/XXXX attempted to get my credit reports from that website but every time each of these sites say that they are " unable to provide my credit report, and to submit requests by mail '' with multiple different documentation at my own expense. I have not been able to get my credit report from Experian or XXXX in over 3yrs and have not seen my XXXX in over a yr. How can I know if my identy has been stolen if these companies prevent me from checking my information, and how can it be a " free report '' if I have to spend money to copy/print and mail additional information at my own expense?
Product: Credit card or prepaid card

On XX/XX/2016 I opened a {$500.00} credit line with XXXX and I failed to make one payment on time out of 21 payments and they dinged my credit. Ive been in good standing with them ever since and its still on my credit report! I have just gotten married and am looking to purchase a home soon and I need help getting this off my credit! This is affecting my credit and is making it harder for me to do what I need to do. Can you please help get this off my credit history!?
Product: Debt collection

I have an ongoing fraud case with all three credit bureaus, as I have several credit card accounts with fraudulent activity or accounts that simply aren't mine. Anyhow, representatives from Bank of America, one of the companies to which I allegedly owe about {$12000.00}, approach my house and threaten civil action against me and threaten to find me at my place of employment. Today, XX/XX/2023, they approached my XXXX XXXX and had her so upset that she had XXXX XXXX and had to seek medical attention. Their representative also went to several neighbors asking for my whereabouts. This is harassment in its lowest form, and it is now verging on XXXX  abuse. I have reference numbers from my fraud case if needed. Please contact me whenever you need to. Thank you.
Product: Credit card

American Express delta sky miles upgraded my credit card without my permission to collect {$250.00} annual fees, which I didnt approve which is fraud., I closed my account, but they keep sending me statements for {$250.00}.
Product: Checking or savings account

Subject : Request to Remove Negative Balance Following Issuance of 1099-C Dear Sir/Madam, I am writing regarding my Capital One checking account, account number [ XXXX ]. I recently received a Form 1099-C from Capital One, indicating that the debt associated with this account has been canceled.

However, despite the issuance of this cancellation of debt, my account still reflects a negative balance. According to IRS regulations, once a creditor issues a 1099-C, the debt is considered forgiven, and no further collection activity or negative balance should remain.

I kindly request that you update my account to reflect a {$0.00} balance and confirm in writing that the debt has been fully resolved. 

Please process this correction promptly and provide written confirmation. If additional information is needed, feel free to contact me at XXXX Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2500.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$6500.00} XXXX Date Opened XX/XX/XXXX Balance {$530.00} XXXX  Date Opened XX/XX/XXXX Balance {$240.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$3500.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX ( Hotel and travel ) XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to submit two disputes to Chase for my vehicle lease. The first was that I requested that the late payment for XX/XX/XXXX be removed from my credit report because of financial hardship created by the coronavirus. Chase claims that they are not permitted to remove negative items from a credit report which is patently inaccurate and a misstatement of the law. 

I also reported that the XX/XX/XXXX payment was inaccurate. 

I feel that I am being mistreated and taken and advantage of.
Product: Consumer Loan

When I made the first payment, I paid the regular monthly payment and in the line clearly marked additional principal, I wrote in {$75.00} to be taken off the principal. When I received the next months bill, they had taken that {$75.00} payment intended for the principal off the next payment. When I called them, several times, they said it was taken off the principal which was clearly a lie. They record the conversation on their end, but refuse to talk to me when I told them I am recording the conversation for my protection
Product: Money transfer, virtual currency, or money service

A company called  XXXX   XXXX   XXXX   XXXX  contacted me and told me they are going to give me a scholarship of  XXXX  . However, it was a scam and they took my money abou t 18000  . They also asked me to purchase   XXXX  gift card and also  XXXX  voucher. It was a scam and I lo st about  20'000  .   Their numbers are :
Product: Checking or savings account

I usually get a deposit into my account every Thursday. On XX/XX/year> I was expecting my weekly deposit from work and didn't get anything causing me not to be able to buy diapers, or pay off my debts. 

At XXXX on XX/XX/year> I received an email from Capital one stating the following below : " Valued customer, Starting XXXX XXXX, 2025, Capital One began experiencing a disruption impacting the processing of some deposits, payments and transfers, which is due to a technical issue with one of our service providers.

Specifically, this has delayed processing of some transactions incl
uding direct deposits and XXXX XXXX XXXX  for direct deposits, as well as electronic payments and transfers ( ACH ).

Were working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning.

Once the systems are restored, we will process all deposits and other transactions that have been delayed. You will be able to see those deposits and other transactions after they have posted by visiting us online or through the Capital One Mobile app. For additional servicing assistance, please call us at the number on the back of your debit card or visit a Capital One
Branch or Caf.

As always, we appreciate your business and apologize for any inconvenience that this disruption has caused you. We assure you that we are taking this event very seriously. '' Apparently there was an issue since XX/XX/XXXX but I was notified on XX/XX/XXXX at night of this. This issues has caused me not to be able to buy diapers, milk, food, or pay off any of my debts.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am very concerned about a late payment that is still showing on my credit report fro my CITI card which I opened around XX/XX/XXXX. In XXXX or XXXX this card was fraudulently used at a gas station without my knowledge. I have not used this card before nor had I incurred any sort of balance that required my attention. I was very shocked and confused when I tried to lease a car and was told I had a recent late of 30 days showing on my credit report for XX/XX/XXXX. This was fraud and I called Citi and was assured by them that this was not my fault and the late that are showing on all three of my credit reports would be mended to show current and never late. I received a new card and have this card at home in a safe. Please, i need this awful late payment removed from my reports because I have a business and require my personal credit as collateral at times. I was not responsible for the late payment and the associates an date management assured me many times that the 3o day showing on the reports would be updated to show current/never late. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX : Account Number XXXX To Whom It May Concern : This letter is a formal request for debt validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing the validity of the debt you are attempting to collect and requesting the following information : 1. **Proof of Chain of Title** : Provide documentation proving that XXXX XXXX XXXX is authorized to collect on this debt. This must include a complete and clear chain of title demonstrating how the debt was transferred to your company. 

XXXX. **Signed Contract** : Provide a copy of the signed contract or agreement between myself and the original creditor that grants you permission to collect this debt. 

XXXX. **Payment History** : Provide a detailed, itemized list of all payments made on this account, including dates, amounts, and the entity to which payments were made. 

XXXX. **Insurance Claims** : Disclose any insurance claims filed or payments received related to this debt. 

XXXX. **Violations and Damages** : If any violations of the FDCPA or other consumer protection laws have occurred during your collection efforts, I demand {$1000.00} per violation as provided under 15 U.S.C. 1692k. 

Under the FDCPA, you are required to cease all collection activities until you provide the requested validation. Failure to comply with this request within 30 days of receipt of this letter will result in further legal action. 

Additionally, I demand that all communication regarding this matter be in writing and sent to the address above. Do not contact me by phone or email. 

This letter serves as notice that I am disputing this debt and requesting validation. If you fail to provide the requested information within 30 days, I will consider this matter resolved and will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney General, and any other relevant regulatory agencies. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

After Hurricane Irma, I send my children up North to Maryland. While visiting XXXX, my son ran out of gas money so I wired him {$100.00} via Western Union. At XXXX on XXXX/XXXX/XXXX I sent my son XXXX XXXX {$100.00} via Western Union online services. I received an email shortly after submitting the money transfer request informing me that the transaction was being reviewed. I contacted Western Union. After waiting on hold for nearly 20 minutes, a male answered and reviewed the transaction, they transferred me to Compliance after nearly 10 minutes the call dropped. I called back after waiting another half hour the male representative informed that the account was being reviewed for fraud, I explained that I did not understand. I am sending money to my son and have done so in the past. He stated that he would send Compliance an email to resolve the issue. A couple of hours later I reviewed the status online and it stated that money was ready for pick up. My son located a pick up location after showing his Florida drivers license he was told he it was not available. The time was close to XXXX. I called WU again, again long wait. The male customer service agent stated he would send Compliance a  message, I said no I wanted to speak with them now. My son was without gas in XXXX. He stated that they would call me in less than 1 hour. it was getting close to closing time, WU locations close at XXXX. I called my son and told him to stay put. I called a relative in Maryland to pick him up. They did n't arrive until midnight to pick up my son and I was worried sick. The next day on XXXX/XXXX/XXXX I called WU and asked it money was ready for pick up, same story Compliance needed to verify my information, I was transferred over, call dropped. On XXXX/XXXX/XXXX I called again this time a XXXX told me to hold that he would reach compliance after I demanded a refund of money and fees. He put me on hold for 15 minutes came back and said everything was resolved money was ready for pick up. I had my relative take my son back to XXXX to retrieve {$100.00} because the pickup location was XXXX. Once he arrived in the evening he went to another WU and was told that money was not available. He called western union to verify information. I called and was on hold and then again called again and nothing. I kept getting transferred between foreign speaking individuals that spoke English with a heavy accent. Finally I got fed up and asked my relative to give my son {$100.00} for my son to get back home. on XXXX/XXXX/XXXX, at about XXXX I called WU again and after much waiting I demanded a full refund of {$100.00} and fees for a total of {$110.00}. Male informed that he would send it to appropriate department and that someone would call me within 24 hours, even though I demanded to be called back within 1 hour. 24 hours have come and gone No CALL, NO REFUND!
Product: Checking or savings account

XXXX XXXX XXXX truist-one checking Complete Qualifying Activities, Earn {$400.00} w/Truist One Checking. 

Using the link provided on their website, I opened an account and completed all the qualifying activities. I contacted the bank since I did not receive the {$400.00} promised, they said their system created multiple accounts and closed the duplicates. So, I am not eligible to receive the money.
Product: Mortgage

loan sold to Green Tree ... awful awful ... now Ditech..awful, awful ... I have been on a repayment program which was to XX/XX/XXXX, yeah! now had a notice payments going up {$150.00}, according to some stupid escrow rule they have, ..when I called, they blamed it on XXXX, of course, and the way they handled my loan. 

How are these people still in business??? Who can help us???