23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear XXXXXXXX XXXX  Midland Credit Management, and CFPB, I am writing to address a matter concerning an alleged debt of {$530.00}, which I have no knowledge of and believe to be a result of fraudulent activity. Despite disputing this with the credit reporting agency, they have confirmed your assertion of its validity. 

I want to clarify that I have never engaged with your companies or the original creditor in any capacity, nor do I recognize any contractual obligations with them. The reporting inaccuracies surrounding this account constitute a violation of FCRA and FDCPA regulations. 

In an effort to resolve this amicably, I must insist on proof of this debt, specifically the alleged contract or agreement bearing my signature, as well as proof of your authority in this matter. Without such documentation, I demand the correction of any erroneous credit reports pertaining to this debt. 

Please provide the following information promptly : Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for this alleged matter. 
Legal basis for your collection of information. 
Legal basis for your collection of this alleged debt. 
Evidence of your authorization to operate in this state. 
Proof of the alleged debt, including any contracts or instruments bearing my signature. 
Complete account history, including collection-related charges. 
I am also filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA. According to 15 U.S.C. 602 ( a ), I am entitled to privacy, and 15 U.S.C. 604 ( a ) ( 2 ) specifies that no account can be furnished without my written instructions. Therefore, I demand an immediate cessation of all communication and collection activities regarding this account. Furthermore, I request the deletion of this account from my credit report due to its unrecognized status and absence of contractual obligations. 

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

I expect your prompt attention to this matter to prevent further escalation.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXXXXXX 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

As a XXXX XXXX whose identity has been stolen, I am seeking assistance in resolving this matter. My consulate directed me to the FTC website, but I am unfamiliar with the process. I believe someone has used my information to open account that do not belong to me. Could you please assist me in having this account removed? Below is the account in question : XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of XXXX XXXX and that I want to query certain records in my documents that resulted from the XXXX. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were applying for home loans in XX/XX/2021. We shopped around with a few lenders including Citibank. The loan officer from Citibank we worked with was XXXX XXXX XXXX. He ended up pulling our credit multiple times without our consent, but since at the time we were shopping for a home loan, we did not do anything about it. 

We bought our home in XX/XX/2021 through another lender and have not applied for a home mortgage since then. 

Recently on XX/XX/2021, XXXX XXXX XXXX pulled our credit ( both me and my husband ), even though we are in NO WAY engaging in business with him. We tried to contact him to get him to reverse the credit pull but were unsuccessful. We also filed disputes with XXXX ( both me and my husband separately ), but XXXX upheld the credit pull as valid, even though we did not authorize it and are NOT seeking a mortgage from Citibank. 

Since we are not getting any help from XXXX XXXX, Citibank or XXXX, we need to file a report to get a resolution and remove the credit check. I'd also like to report XXXX for erroneously pulling credit without our consent both in XXXX when we were shopping for loans, and many months later in XXXX when we had no relationship or contact with him.
Product: Debt collection

I received a call from EOS CCA and was informed that I owe {$190.00} for a XXXX bill back in 2011. I told them I have n't had a Century Link account in many years and that I do not owe them any money nor had XXXX tried to collect any money from me. I told them I would need paper verification of the debt and the date of service. The caller asked me if I recognized a phone number linked with the account and if it had ever been mine ; I told him no on both questions. The caller then told me that I should call the police and report my identity being stolen ( escalating voice ). The call ended abruptly. I called XXXX XXXX and they have no records of me or me owing any money. I do not exist in their system. About 10-15 days later, I was checking my credit reports and the company showed up on my XXXX credit report as owing money. The reported date was dated between the time I was called ( XXXX ) and the time I checked my reports ( XXXX ). There has been no mail correspondence and no requested paperwork verification. I immediately submitted a credit dispute to XXXX. Just prior to submitting this complaint to you, I did some research and found several consumer affair sites with same and similar reports as to what I am experiencing. This is a fraudulent debt collection and EOS CCA is apparently well known for this practice.
Product: Debt collection

First Federal Control Control ( FFCC ), ACCT XXXX, is erroneously reporting that I owe {$25.00} for doctor 's visits for a total of {$75.00}. I have spoken to two supervisors at FFCC and one clerk, XXXX, who have ignored my requests that they verify the information that they are adversely reporting to credit bureaus, but to date, they have refused to do so. 

The problem is that for three different dates of service, XX/XX/XXXX, XX/XX/XXXX, and XXXX, I visited my doctor 's office and immediately paid my {$25.00} co-pays for each visit, as mandated by the doctor 's office. I was informed that the doctor 's office, however, failed to bill my insurance company for each date of service. Instead, they sent the three bills to collections. Initially, the amount owed was more. After having several conversations with the physicians billing dept., the physician 's office finally billed my insurance and received payment in full from my insurace company. My co-pays were paid in full at the date of service for each visit. FFCC adjusted their collection amount to {$25.00} for each date of service and have not confirmed with the physician 's billing services that THE PHYSICIAN 'S OFFICE ACCEPTED PAYMENT, REMOVED THE ACCOUNTS FROM COLLECTIONS AND HAVE BEEN PAID IN FULL, THUS TERMINATING FFCC 'S INVOLVEMENT ALTOGHETER. 

I have spoken with XXXX, who works in the Escalations Dept at XXXX   Hospitals Physician Billing Services, XXXX. On multiple occasions, she has informed me that she has not only CALLED FFCC and told them to REMOVE THE ACCOUNTS FROM COLLECTIONS. She also confirmed on those several occasions that the accounts ARE PAID IN FULL.. I do NOT OWE ANY MONEY ON THESE THREE ACCOUNTS, XXXX  Patient Account No. XXXX. I called FFCC on XX/XX/XXXX and informed them of the same. They were uninterested in making the corrections to my account and unconcerned that they were misreporting debts on my credit report that I DO NOT OWE. I want the debts deleted from my credit report and I want sanctions brought against FFCC for misreporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the account below 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 states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX {$760.00} open balance Opened XX/XX/2022 Placed for collections
Product: Mortgage

Hello, my name is XXXX XXXX, I currently have a mortgage loan with US Bank and an escrow account as well. Unfortunately, XXXX XXXX XXXX XXXX XXXX XXXX is refusing to insure my property and honor my policy due to US Bank failing to pay my homeowners insurance in a timely manner from my escrow account as per our agreement after being contacted multiple times by myself and my insurance agent. They also proceeded to misinform my agent and myself of when payment was sent and caused my policy to be cancelled. 

Now, I am expected to pay {$3300.00} for a new homeowners insurance policy compared to {$1500.00} that will accept me with damage that occurred during Hurricane Sally and through my insurance agent, who is trying to honor my cancelled policy through their own company, an additional {$3300.00} for a deductible. 

US Bank has also been sent my new Homeowners Insurance Policy multiple times now and is again failing so far to pay them in a timely manner. 

I was wondering if there was any action I could take against US Bank for the impacts and costs of their actions. 

XX/XX/XXXX - XXXX XXXX  XXXX started and Paperwork Submitted. 
XXXX XXXX US Bank was contacted about late Payment and said they would overnight it. 
XX/XX/XXXX - US Bank contacted again about late payment, we were then told it was sent over regular mail. Not overnighted like we have been told. 
XX/XX/XXXX - Payment still hasnt arrived, contacted US Bank again and was told they have to do a check trace. 
XX/XX/XXXX - Hurricane Sally Cause Damage to Home XX/XX/XXXX - Insurance still unpaid. 
XX/XX/XXXX - Insurance Cancelled and Unwilling to Reinstate Our Policy due to being so late from US Bank. 
XX/XX/XXXX - New Policy Started and Paperwork Faxed to US Bank. 
XX/XX/XXXX - Called US Bank and Told They Did Not Have Information. 
XX/XX/XXXX - US Bank calls and states they dont have information still, information Faxed Again and inquired about payment for it. Was told it would be express mailed. 
XX/XX/XXXX - US Bank calls and states the dont have information. 
XX/XX/XXXX - Used US Banks online portal to Upload information. 
XX/XX/XXXX - Contacted US Bank again with Policy Information, Invoice, still  havent received payment. 
XX/XX/XXXX - Still no Changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was already enrolled in classes for the Spring semester 2013 at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. As a result it was my understating, From XXXX representative, that if you are enrolled in school loan payments are frozen once you are actively enrolled in college classes. Yet it shows I have late payment form XXXX on my credit score on that student loan account when I was clearly enrolled in school. This is clearly detrimental to my credit worthiness. There is an attached screen capture show me paying off the remainder of the Bill from the spring 2013 so I can register for the Fall 2013 semester.
Product: Credit reporting or other personal consumer reports

I am aware that despite customers providing precise information, you have been using pre-written standard form letters in responses to numerous disputes, complaints, and challenges. I understand that this is illegal, as each customer complaint should be individually considered and handled appropriately. 

My letters are created using accessible software available to everyone. If you choose not to process my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay processing based on the assumption of third-party assistance. This does not qualify as a legal exception. I am the sole author of letters bearing my name, or they are written by my advisors with my knowledge and consent. Failure to respond promptly will be seen as a willful disregard for my rights, and legal action will be taken. 

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and Metro 2 data field reporting standards, I have the right to dispute incorrect information on my credit report. It is essential that all data in a consumer 's file is properly documented and validated. The allegations against me are false, and I won't tolerate misinformation about my financial history. I challenge these claims due to their failure to comply with reporting standards. It is your responsibility to report data accurately and in compliance with FCRA and METRO 2 standards. Handle this matter with care and diligence.
Product: Credit card or prepaid card

Hello, Thank you in advance for your help. My Capital One credit card was recently closed and my account was sent into collections with a third party debt collection agency during the COVID pandemic without Capital One ever sending me a bill or calling me to inform me I had payments that were owed. I only found out about this issue when I received a bill from the debt collection agency in the mail. I promptly called Capital One but they referred me directly to the third party debt collection agency. I asked the debt collection agency for more information about my bill to verify if this was in fact true and they said they could not provide a statement and I had to speak to Capital One. Capital One could also not provide a statement so given the bill was only for {$250.00} I went ahead and paid it off.

That being said my credit scorXXXX has been severely impacted as it shows an unpaid credit card bill that was sent to charge offs. I have been unable to qualify for a mortgage or auto loans because of this issue. I feel it's very unjust that Capital One can just destroy my credit score without ever even calling me or sending me a statement. The fact that this also happened during the COVID pandemic is just more insult to injury. I've tried to call Capital One for help to no avail. A few weeks ago I spoke with a supervisor at Capital One named XXXX who gave me the identification XXXX for my reference. He was not able to help me with my complaint. I told him Capital One never sent me a statement or called about the charge off and I did not have any proof I even made the payment. He had nothing to say to refute any of this. The only thing he did tell me that was useful was that the original bill was {$45.00} and all the late fees that they added, despite not calling or sending statements, led the bill to escalate to {$250.00} before they charged it off. That's frankly even more insulting. He told me Capital One would not be able to correct this issue on my credit report despite having paid the bill off.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : -.
Product: Credit card

Dear CFPB, I am writing to file a complaint against Wells Fargo Bank for their inadequate handling of my dispute. 

I have contacted the bank multiple times and provided all necessary details regarding the dispute. However, they repeatedly asked me to call back, claiming I had not provided sufficient information. Below are the details of my dispute : Dispute Number : XXXX Date Posted : XX/XX/2024 Merchant Name : XXXX XXXX Amount of Transaction : {$18.00} Card Number : XXXX Status : Closed - Dispute Declined Despite my efforts, the bank has closed my dispute and declined it without proper resolution. I am seeking your assistance in addressing this issue. 

Thank you for your attention to this matter. 

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

Im XXXX XXXX, XXXX XXXX  company in XXXX TN, XXXX is reporting a mortgage to my Equifax credit when do no not have a mortgage with them! Ive disputed it several times and was never resolved. This problem has been going on for 12 years and its effecting me financially! The mortgage is my fathers who has the same name as I. Ive contacted XXXX dozens of times but still no action has been taken!
Product: Debt collection

Information showing on my credit report is inaccurate and not mine.
Product: Credit card

This account ending XXXX from capital one is fraudulent stolen my identity.. the bank closed the case and say the account is belong to me.. i sumit a ftc and a police report to capital one for reivestigation..and say everything is closed. The amount is XXXX  late fee and interes now is more because late fee this month.. the account was open on XXXX XXXX..they told me send the card to my old address.. and i move out XXXX XXXXXXXXnever have the card and never used the card
Product: Mortgage

I had a complaint filed with PNC BANK in XXXX XXXX they closed the account - they said my name was OFF the PROPERTY. I just got another BILL from PNC for property insurance & flood insurance. I got a bill XXXX XXXX XXXX and I thought that was the last one- XXXX XXXX XXXX PNC said she took care of the matter and I get ANOTHER BILL! this nightmare will NOT END! my stress level is over the top!. I just emailed XXXX XXXX and posted on PNC Bank XXXX page plus contacted XXXX XXXX XXXX 's office - they are who got me to you to begin with. this is what I sent XXXX XXXX & posted on facebook : well I thought the matter of my name being attached to the flooded unlivable property at XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX was taken care of?!! I got ANOTHER BILL for insurance on the property in MY NAME!! 
I leave in the morning to visit my in laws - this is a just another great timing on PNC behalf! 
I will contact the consumer finances AGAIN! AND ANYONE ELSE - maybe the NEWS Stations can will be able to get this taken care of- if not i 'm sure there is an Attorney out there- i 'm sure this falls under HARRASSMENT of some type! 
I would think in all this time I have made phone calls, PERSONALLY went to the local branch, emails, and YOU giving me your word you would see to it this matter was taken care of that there should be XXXX person that can do their job and get MY NAME OFF THIS UNLIVABLE PROPERTY THAT WAS FLOODED IN XXXX XXXX & XXXX PAID NOTHING- OUR HOMEOWNERS INSURANCE PAID NOTHING - WE LOST EVERYTHING & THE HOUSE HAS TO BE TORN - IT IS NOT FIXABLE NOR LIVABLE! PNC BOUGHT THIS HOUSE BACK AT SHERIFF AUCTION GET MY NAME OFF IT! 
HAVE A REAL GOOD DAY- PNC HAS COMPLETELY TURNED MY DAY TO A XXXX ONE ONCE AGAIN! 
THANKS FOR NOTHING! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX FLOOD HOUSE XXXX OWNS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXXXXXXXXXX I will not answer phone calls from PNC for 2 weeks as I will be with my family - email is just fine!
Product: Checking or savings account

1 ) I opened a fraud dispute under the case XXXX on XX/XX/XXXX, the dispute was approved on XX/XX/XXXX. At that moment my account was closed by the bank and I have not received the cashier check with that amount on my mailling address on file. 

2 ) I opened a dispute for merchandize not received on XXXX at my local branch XXXX XXXX XXXX, with XXXX XXXX, under the case XXXX and I sent to him and also XXXX the documentation to support my case. 
I have not receive any update about the case, and through customer service they cant service me because my account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, a consumer, natural person, and the original creditor of an open end credit plan, received results back from TRANSUNION that were not in my favor. In TRANSUNION 's response to my CFPB complaint case number XXXX, TRANSUNION deleted and blocked my XXXX XXXX  account. This was not my request. I requested for TRANSUNION to DELETE all late payments and UPDATED to PAID AS AGREED. After I submitted that complaint, the late payments were deleted. When TRANSUNION closed out the complaint, they deleted the whole XXXX XXXX account.
Product: Debt collection

Radius Global Solutions claims XXXX XXXX account ending XXXX was closed and balance in the amount of {$190.00} waved. Previously, Radius Global Solutions advised XXXX XXXX would reach out in re, no one from XXXX XXXX reached out, has not indicated balance waved. As stated prior, the account ending in XXXX was opened by XXXX XXXX reps which I did not authorize, a debit card purchase in the amount {$290.00} was made from XXXX, purchase was never received, item was shipped via XXXX with a forged signature, signed as XXXX, in which case, I never sign my name like this. XXXX XXXX accepts forged signature as true and correct, despite forgery. Radius Global Solutions claims XXXX XXXX waved balance, however, I have no verification of such or refund of difference in amount of {$100.00}.