23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SCA Collections , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX RE : XXXX XXXX XXXX ( {$63.00} ) To Whom It May Concern : This letter is regarding XXXX XXXX XXXX, which you claim I owe {$63.00}. This is a formal letter that your claim is disputed.

By not replying in a timely manner to my initial letter onXX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) -Responsibilities of furnishers of information to consumer reporting agencies. ( 15 U.S.C. 168s-2 ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in small claims action against your company.

Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

I sent SCA a certified letter onXX/XX/XXXX, which was received and signed for onXX/XX/XXXX. They never reported to any consumer reporting agency that this account was in dispute. According to the FCRA & FDCPA, SCA had 30 days to report this dispute and they did not. Therefore, they must remove this item from my credit report immediately.
Product: Debt collection

The collection company is attempting to collect a debt that was passed to collection but for some strange reason its still reporting as open which is odd.. The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits what debt collectors can do when attempting to collect certain types of debt. The federal Fair Credit Reporting Act ( FCRA ) covers how debts are reported in credit reports. In addition, there are state laws that provide protections against unfair and deceptive practices.
Product: Debt collection

Hippa violation improper sharing of personal medical protected information was shared with a collection agency and is showing on my credit report as currently open and this was reported to credit agency as inaccurate and has not been updated or removed
Product: Credit reporting or other personal consumer reports

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$940.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$45000.00} XXXX XXXX XXXX  XXXX Balance {$38000.00} XXXX XXXX  XXXX Balance {$750.00} XXXX  XXXX  XXXX Balance {$380.00} XXXX  XXXX  XXXX Balance {$1600.00} XXXX  XXXX XXXX Balance {$3100.00} XXXX XXXX  XXXX Balance {$980.00} XXXX XXXX  XXXX Balance {$1900.00} XXXX  XX/XX/year> XXXX XXXX  XXXX. XXXX/XXXX  XX/XX/year> XXXX XXXX  XXXX. XXXX/XXXX  XX/XX/year> XXXX XXXX  XXXX. XXXX/XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

1. ) Original creditor/ XXXX XXXX Current debt collector : I c system Balance {$550.00} / date XX/XX/23 Action taken/i disputed it and I disputed the accuracy I disputed the ownership because I didn't believe at first that I had anything to do with this debt that I recall that I did go to the hospital but I had insurance at the time. I was insured by Medicaid state aid for XXXX XXXXXXXX XXXXXXXX XXXX plan. I also have part a Medicare for being on social security XXXX. They have done nothing but repeatedly tell me that the debt is mine and that the amounts are correct and that I owe this debt. I however do not owe this debt because it should have been billed to my insurance that I provided the hospital with when I was there. Despite several different disputes I keep getting denied I am going to add three more debts from them following this statement and the statement applies for all four in total debts. 2. ) Original creditor/ XXXX XXXX Current debt collector : I c system Balance {$1200.00} Date XX/XX/23 ( Please See above statement as it applies to this debt as well ) 3. ) Original creditor/ XXXX XXXX Current debt collector : I c system Balance {$840.00} XX/XX/23 ( Please See above statement as it applies to this debt as well ) 4. ) Original creditor/ XXXX XXXX Current debt collector : I c system Balance {$790.00} Date XX/XX/23 ( Please See above statement as it applies to this debt as well ) *Current creditor information for the above 4 accounts is as follows : * I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MINNESOTA XXXX XXXX NUMBER : XXXX XXXX. )
Product: Credit reporting or other personal consumer reports

I have tried to dispute this with equifax but they keep saying the information is reported as accurate. They are the only ones reporting my closed accounts as open. Its showing US department of education XXXX loans XXXX for {$2000.00} and something and XXXX for {$3000.00} something. They were consolidated in 2024 and closed but now theyre listed as XXXX XXXX They are affecting me getting a mortgage loan. I need them removed
Product: Money transfer, virtual currency, or money service

Account Issue : My PayPal sales limit is currently set at {$300.00}. This limit is significantly impacting my ability to process payments and receive funds. 
Request for Increase : I have requested an increase in my sales limit to {$3000.00} through XXXX on XXXX XXXXXXXX XXXX  Initially, I had a limit of {$6000.00} that I requested through XXXX and was approved, but it was reset to {$300.00} after a verification hold. 
Verification Hold : My account was placed on hold for 12 days starting XX/XX/year> for verification, during which over 40 payments failed. After the hold was lifted, my limit was reduced to {$300.00}. 
Pending Payments : I have pending payments from XXXX that can not be processed due to the current limit. One payment for {$5800.00} on XX/XX/year>, failed due to the low limit. 
Actions Taken : I have contacted PayPal support multiple times to address the issue and to request a limit increase. Despite these efforts, the problem remains unresolved. 

I opened my business account on XX/XX/year> and have had a total of about XXXX dollars go into to my PayPal business account. As a business i will not be able to support myself and keep the doors open any longer if this isn't resolved today. I have bills for servers that cost way into the XXXX range every month, not including about XXXX in XXXXXXXX XXXX for those servers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 65 points due to the way XXXX XXXX reported the pause in student loan payments granted by the CARES Act to the credit reporting agencies. Account was in good standing and there were no other adverse actions that would impact my credit only change was the pause in payments automatically granted by the govt. All parties contacted ( XXXX, XXXX, XXXX, Experian ) insist the error is not theirs and will not make any adjustments, meanwhile I have been harmed financially and unable to make any improvements to my finances in the middle of a pandemic.
Product: Debt collection

I called today XX/XX/XXXX. I never received anything in the mail about debit from collector or XXXX XXXX . Ive had 1 account for the past 10* years and I always pay my monthly bill as its deducted out of my account automatically. This was a debit from XXXXXXXX XXXX XXXXXXXX in the amount of XXXX dollars. XXXX  nor Sequium Asset Solutions can tell me anything about this debt. Theres no way this debt was caused by me. Theres got to be some other address associated with this debt, that is not mine.
Product: Bank account or service

Automatic draft of XXXX submitted bank charged XXXX for returned item, then another XXXX for an over draft. Item retried under automatic and again another XXXX OVER {$400.00} worth of charges.
Product: Credit reporting

I would like to know how does the credit bureau maintain your credit score. I paid off several credit cards last month and I see that the accounts are showing paid in full on my report. However, my credit score is extremely low and I recently tried to refinance my car and was given a higher than usual interest rate, which should have been the reverse since I paid off the majority of my loans and credit cards. I need to know how do the bureaus keep reporting low credit scores when it 's obvious the debts are paid. I have no collections, no judgements and few inquiries. I once read that credit bureaus make more money when people have low credit scores. If this is such, then the whole fair credit reporting act should be thrown out the window when Credit Bureaus are allowed to report inaccurate scores.
Product: Money transfer, virtual currency, or money service

This is with no surprise, the so called BIG people they do whatever they want PAY-PAL, yes I saw the thousands of complaints online, but something has to be done here. whatever the reason and no reason, they are just holding consumers money in the millions, all year round for 6 months, for them it's free money, and for the IRS it's not an income. with out any regard to the financial burden, and suffering people are going through, and the financial credit ratings people suffer., because they cant get their money to pay bills. Please take a look what I finally faxed them, and they have not replied. I urge you to go online to the XXXX & to XXXX and see and read for yourself what is going on with this company.My account has had zero credit card chargebacks at any time and I have zero open disputes and claims. There is no justification for holding my money. 
there are NONE complaint, zero, and NO charge back, and I never had one not even  with XXXX or XXXX. they should release my money, holding it since XX/XX/2017. The only thing people get is spending hours on hold and get the run around, but not their money. If I travel out of my State and charge my CC, they will contact me right away, the same here with PAY-PAL, they don't want to deal with large charges, than deny the transaction, but don't accept and hold on to their money. 
This needs to stop.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The Mr. Cooper company has not been responsive during the pandemic regarding the financial impact to my family and my HELOC. I have been calling for a year since XX/XX/XXXX- practically every month after submitting a hardship affidavit without any resolution or clarification of options available to me. I have been repeatedly told that the customer service representative will call me back within a week after looking into the situation but I never receive a phone call. Each month I have to call again and am told the same thing the hardship affidavit request does not have a resolution. Today I was told that the request appears to be in a hold mode since XXXX XXXX when I submitted my second request. During this time they are reporting me as late to the credit agencies but each month telling me that there has not been a resolution and that the representative needs to investigate or escalate to a supervisor but I never hear back.
Product: Credit reporting or other personal consumer reports

These are fraudulent accounts. The IRS has determined that I am a victim of identity fraud starting back in XXXX. I want these accounts removed from my credit profiles because they are not mine.
Product: Credit reporting or other personal consumer reports

I am absolutely shocked and frustrated by this situation. As a law-abiding citizen, it is beyond insulting to have my rights as a consumer so blatantly violated. My credit report contains fraudulent items that I have never benefited from, and despite taking the proper steps by reporting this to the Federal Trade Commission, these false accounts remain. This ongoing issue is causing me overwhelming stress and anxiety, and it is unacceptable that I continue to suffer the consequences of someone elses wrongdoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/2018 Trans Union took 38 points off my score. I've called them many times and no one can explain why. I have never been late with my creditors and have an excellent rating on my payments. my utilization rate is good and with all this my Trans Union score is only fair. What causes this injustice? 
.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record immediately. Because my laws have been violated! 

Item Number Company Name Account Number Comments 1. Midland Credit Management MCM Account # XXXX, Original Account Number : XXXX 2. XXXX XXXX XXXX, Reference ID : XXXX Account # : XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 
I am requesting the original purchase agreement that shows they are the legal owners of these alleged debts. Please include all the terms and conditions that are included these purchased agreements.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear XXXX, I am writing to dispute inaccurate information on my credit report. My student loans are incorrectly listed as delinquent or past due, even though they are currently in deferment and no payments are required during this time. 

Details of the student loans : XXXX Name : XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX  Deferment Start Date : XX/XX/year> Deferment End Date : TBD I have enclosed the following documents to support my claim : -A letter from my student loan servicer confirming the deferment status -Other relevant documentation Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and correct the incorrect information on my credit report. Please notify me in writing once this issue has been resolved. 
Thank you for your attention to this matter. Should you require any further information, please contact me at XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting

Hi, One of my bill suppose to be waived because I have Charity funds for my medical expense during that period. I tried to provide information to my credit collection agent Equidata. but they said i have to ask the original creditor mail them information. Unfortunately, i called all entire XXXX XXXX or XXXX department, I could not find my original creditor. No one has any knowledge about that bill and they said my account balance is XXXX. 
I attached document below. Hope you can help me out.
Product: Credit reporting or other personal consumer reports

in XXXX I recently from XXXX to XXXX I have recently seen and automobile on my Credit Karma. I have seen a personal loan for school on my Credit Karma. Also I have seen a purchase from mattress firm that I have never Used before on my Credit Karma and as well I have seen mortgage from my house that I have no idea Ive never had mortgage. I dont know anything about mortgage. Ive never had a house on my own. I havent had a car in probably XXXX years so I dont know how this is happening Ive tried to reach out to Credit Karma many times. They have not taken anything off of my credit so it was fraud. I ended up freezing my account because of the situation and it still hasnt been taken off. It went into investigation twice the investigation went through, but they did nothing about taking anything off of my credit so someone clearly used my Social Security number or whatever it was on these behalfs.
Product: Credit reporting or other personal consumer reports

I disputed numerous fraudulent accounts and XXXX minutes later received confirmation my dispute had been resolved unfavorably
Product: Mortgage

Trying to refinance my condo does not return phone calls takes three weeks to get paperwork. And took my money and you never hear from them again
Product: Debt collection

I am reporting this complaint because back on XX/XX/21 i placed an order online which macys overcharged my credit card by not charging for the sale price and charged me with the original price instead. I then proceeded to call macys and ask why they charged for the original price when they online said that the items were on sale? they told me that they would adjust the price once the items were shipped. So I went ahead and waited for the items to be shipped hoping that they would adjust the price, to my shocking surprise they did NOT ONLY NOT ADJUST THE PRICE TO THE SALE PRICE BUT I NEVER RECEIVED ANY OF THE ITEMS THEY CHARGED ME FULL PRICE FOR. I THEN TRIED TO CALL THEM AND ASK THEM TO REFUND THE MONEY THEY CHARGED MY CREDIT CARD. HOWEVER, THEY DID NOT REFUND THE ACCOUNT AND KEPT CALLING ASKINGME TO PAY FOR THE ITEMS I NEVER RECIEVED. THIS IS THE REASON I AM FILING THIS COMPLAINT. I RECENTLY RECEIVED ANOTHER LETTER IN WHICH THEYRE THREATING ME TO CONTINUE TO ADD INTEREST CHARGES AND ALSO REPORT ME TO THE CREDIT COMPANIES AND SELL THIS ACOUNT TO COLLECTIONS, AS WELL AS PERSUE LEGAL ACTIONS. PLEASE HELP ME WITH THIS UNJUST AND UNFAIR AND ILEGAL ACTIONS MACYS WANTS TO PERSUE AGAINST ME. THANK YOU.
Product: Credit reporting or other personal consumer reports

On several occasions I have disputed the XXXX credit card account that appears erroneously on my XXXX credit report without receiving an effective response to the request, and I even made an identity theft report that I also sent but it is noted by XXXX, XXXX and Equifax that they did send it. not conducting an efficient investigation to determine that the account that appears on my XXXX  card credit report does not belong to me and they even put an address on the card account that I do not know, this gives rise to thinking that it is information that belongs to another person or that I was a victim of identity theft, this information is affecting me since it harms me when applying for my mortgage loan. I have been a very responsible person and I pay all my bills on time and this is demonstrated by the other active accounts that are currently reporting and that is why I request that this erroneous account that appears in XXXX, EQUIFAX AND XXXX be removed from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i. This information shown below is the erroneous one shown in XXXX, Equifax and XXXXXXXX XXXX XXXX XXXX  Account number XXXX : Please remove it from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Remove from my credit
Product: Mortgage

My attorney group XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX are holding me XXXX and wont release me from them so I can talk to Selene regarding the loan modification because its still shows up on Selene Finances records as active litigation. A dismissal form was sent to them via email a week ago from me.

Selene still states that I can not speak with them after my explaining to them that paperwork has been sent regarding ending of the litigation. Selene states it needs to be sent from attorney to attorney. And the attorney on my end is refusing to send them the documents.