23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I saw an offer for the Amex XXXX XXXX XXXX offering a 0 % introductory rate for 10 months and XXXX bonus points after spending {$4000.00} within the first 3 months. After applying, I noticed that the introductory interest rate was not mentioned. I immediately called and could not get through to anyone. I started an online chat. I told the representative what had happened and he told me I was given a different offer, with no introductory interested rate. I explained this is not what I signed up for and he transferred me to a " supervisor '' who said the same thing and refused to honor the offer that I had signed up for. I asked for the card to be canceled and not sent out as this was a bait and switch tactic. Now I have an inquiry on my credit for no reason. Amex should not be able to do business this way.
Product: Credit card or prepaid card

I have been a victim of identity theft ; my driver 's license was stolen and ever since then I have had an issue with a high percentage of credit utilization on my credit report that I have never used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous dispute against the company tell him I dont owe them nothing I dont know who they are they got the wrong information on there in the wrong mail and they even shown thoughts information to the list XXXX XXXX this is been going on since XXXX and finally on thanking and I are sharing the investigators finally busted them in their lies and XXXX and XXXX but yeah its still on my XXXX  and my XXXX  credit report and XXXX credit report they cost me to lose a lot of loans cost me higher interest rates I lost a lot of money whenever I tried to borrow money XXXX pay higher interest rate because of them I believe they owe me a lot of money like I said this is been going on since XXXX and here it is XXXX and I wont conversationFor aggravation deformation of character and use mental anguish for a damage they have done to my reports my credit and was messed up cause of them
Product: Credit reporting, credit repair services, or other personal consumer reports

Incredibly inconsistent and more importantly incorrect reporting on behalf of all three mentioned reporting agencies, with XXXX in particular and to lesser extent by XXXX and even lesser with Experian. The chief problem being with debt accounts that are not just classified incorrectly, causing the weighting against my FICO score to be massively inaccurate across then board as blatantly  evident by the incredible amount of variance in the range of FICO values between these agencies. For the last 3-1/4s of the last decade I have tirelessly and fruitlessly on my own accord contested these inaccuracies time and time again to little or no avail, as such my last resort is to reach out to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00}
Product: Debt or credit management

I am filing this complaint regarding the mishandling of my debt by Sunrise Credit Services. I have contacted the company multiple times, and they have been unable to locate my account or provide any details on the debt they claim I owe. On XX/XX/year>, I spent over XXXX Hour on hold without receiving a resolution. The company has failed to provide me with the legally required validation of the debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

As the debt has not been validated or properly handled, I am formally requesting that this debt be removed from my credit report immediately. I believe this is a case of either mistaken identity or inaccurate reporting, as the company has shown an inability to produce relevant information or support the legitimacy of the debt. 

Please investigate this matter and take appropriate action, as it is causing unnecessary damage to my credit profile and creating undue stress.
Product: Debt collection

This is now the third time that XXXX has sent me to collections. I am getting really tired of the hours I have had to spend on the phone and they never resolve the issue. I have filed identity theft reports with my local police office, spent hours on the phone with them, and now have to do it again. This company is a ridiculous. I have been working hard to turn my credit around and XXXX just continues to allow phones and services to be billed to me when I will never use their service. XXXX is absolutely ridiculous. I have never used them and never will. You would think the {$1000.00} 's that has been wasted when they continue to let people falsely create accounts would make them wake up but it turns out that is not the case.
Product: Credit reporting or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT I AM THE VICTIM OF THE XXXX XXXX DATA BREACH I AM DISPUTING THE 5 ACCOUNTS OPENED ON OR AROUND XX/XX/XXXX THROUGH AUGUST 0F XXXX. 

I DID NOT OPEN OR AUTHORIZE XXXX XXXX  TO OPEN A CREDIT CARD ON XX/XX/XXXX AS OF THIS LETTER I HAVE FILED MY 3RD FTC AND POLICE REPORT OF XXXX. 

I HAVE ALL THE PROOF THIS IS NOT MY ACCOUNT- XXXX IGNORES THE EVIDENCE. 

THE POLICE HAVE AN ALLEGED SUSPECT ALSO. 

PLEASE REMOVE FROM MY CREDIT BUREAUS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened accounts using my private information without authorization and caused a debtor status to be placed upon me without authorization or disclosure. I am requesting original documentation to proving these obligations placed upon me that is damaging my financial status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a XXXX party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 an account without my written instructions. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore , please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can not provide these XXXX things please delete these accounts from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the manner in which your bureau has handled my identity theft disputes. Despite my repeated efforts to resolve this matter, I have encountered a frustrating lack of responsiveness and action on your part. As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized account and transactions that have appeared on my credit report. I promptly reported this fraudulent activities to your bureau and submitted all the necessary documentation and detailed explanations to support my claims and establish my innocence. What compounds my frustration and disappointment is the apparent failure of the bureau to acknowledge the seriousness of my situation. Despite providing substantial evidence of identity theft, it appears that my case has either been overlooked or deemed insignificant. I urgently request that your bureau take immediate and thorough action regarding my identity theft disputes. Please delete these accounts : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Asset Recovery Solutions contacted my employer XX/XX/21 to get my contact information.
Product: Debt collection

On XX/XX/XXXX, I entered into a purchase agreement with XXXX XXXX ( now known as XXXX   XXXX XXXX XXXX XXXX ) in XXXX, Maryland for the purchase of XXXX XXXX in the amount of {$7400.00}. The purchase was financed through a medical credit card account with Comenity-XXXX. Under their deferred interest plan, no interest was payable as long as the payments were made timely. 

Pursuant to the XXXX credit account, I received monthly statements over a period of 23 months. The statements were paid within a few days of receipt. At no time did Comenity indicate that any payment was not made timely. 

On or about XX/XX/XXXX, I received a statement for {$300.00} for 24th and final payment. On XX/XX/XXXX, I called Customer Service to confirm that payment of this 24th statement was indeed the last payment owed. 

On XX/XX/XXXX, I wrote a check made payable to " Comenity-XXXX '' in payment of the 24th and final payment. I placed that check into a U.S. Postal Service mailbox on either XX/XX/XXXX or XX/XX/XXXX. Please see a copy of the attached notarized Certificate of Mailing. 

Nothwithstanding my prompt payment, I received another statement in XXXX from Comenity indicating a new balance of {$2500.00}, which included an interest charge of {$2200.00}. When I called Customer Service to inquire, Comenity suspiciously claimed that my payment, which was mailed no later than XX/XX/XXXX, had not been " posted '' until XX/XX/XXXX. Therefore, they were adding a deferred interest charge of {$2200.00} plus a {$27.00} late fee. Although requested by me, Comenity offered no proof that the check was not received until XX/XX/XXXX. In other words, for a {$300.00} final payment, which was mailed timely, Comenity had added a {$27.00} late fee and a {$2200.00} interest charge!
Product: Debt collection

My name is XXXX XXXX. Portfolio Recovery Associates has placed an alleged collection on my credit reports recently. Account # XXXX. I have no idea who this company is or why they are attempting to collect a debt from me. I have never had an account or done business with them. Furthermore I was never given a notice of this debt nor my right to dispute it. I am asking for validation of debt, and proof of notice being sent to me. If this is a medical debt I'd like to see itemized breakdown of the bill and original charges. And if they provide these documents and Portfolio Recovery is not a medical facility and don't have my written proof to view or have these documents then that has to be a HIPAA violation ... along with FDCPA violation.I have previously mailed the company a cease and desist letter to their corporate offices. I have attached a copy of that letter.
Product: Credit reporting or other personal consumer reports

I have a home equity line of credit at XXXX XXXX XXXX XXXX XXXX XXXX. I paid the balance in full in XXXX of XXXX. This payment was ahead of the required payment schedule. The XXXX XXXX informed me later that I had been charged XXXX cents interest. This showed up in XXXX as a late payment to XXXX. My credit score dropped over XXXX points. The XXXX XXXX has been trying to work with The XXXX credit score companies and has successfully corrected the error twice, however both times they dropped the score again, citing the same late payment.
Product: Credit reporting or other personal consumer reports

Please ensure that only XXXX XXXX appears on my credit report ; kindly remove all other names. This request is in accordance with specific credit reporting laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Credit Reporting Reform Act ( CCRRA ), which mandate accurate and fair representation of consumer information on credit reports. Please be advised that failure to update my credit report as requested may result in legal action, as I am prepared to pursue legal remedies to address any inaccuracies.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted dispute letters pertaining to the accounts that are reporting on my credit report. On my report there are many inaccuracies that do not pertain to me ( meaning accounts are not mine ) the actual information on my report is not 100 % reporting the same across all three CRAs, and their reporting a bankruptcy which my court clerk of where I filed said they do not share that information with the 3 CRAs. The accounts in question are : All 3 Bankruptcies that are stated in the document All 3 XXXX XXXX accounts on document Self account
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Collection Account Under the FCRA To Whom It May Concern, I am writing to dispute a collection account that is inaccurately reported on my XXXX credit report. The collection agency associated with this account is not licensed or permitted to collect debts from California residents. As such, this account violates both state and federal consumer protection laws and should not appear on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an agency not authorized to operate in my state is a failure to comply with this obligation. 

Details of the Disputed Account Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Amount Alleged Owed : {$1800.00} California law requires debt collectors to be licensed by the XXXX  Department of Financial Protection and Innovation ( DFPI ) to collect debts from California residents. A search of the DFPIs records confirms that this collection agency is not authorized to collect debts in California. Therefore, the reporting of this account is not only inaccurate but also unlawful. 

Actions Requested Conduct an Investigation : Investigate the legitimacy of this collection agency and its authority to operate in XXXX. 

Remove the Inaccurate Information : Delete this collection account from my credit report if the agency can not demonstrate that it is legally licensed to collect debts in my state. 
Provide Written Confirmation : Send me a written response confirming the removal of the account and provide an updated copy of my credit report reflecting the correction. 

Enclosed are the following documents for your reference : A copy of my credit report highlighting the disputed collection account. 

Evidence showing the collection agency is not licensed to collect debts in California.

Please complete your investigation and respond within the 30 days required under 15 USC 1681i ( a ) ( 1 ). Failure to address this matter may result in further action to protect my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX Attorney Generals office. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

We just pulled our credit score while looking to buy a house. It showed a huge ding from Bestbuy Citibank card that we havent used or received a statement in over a year. It showed a balance and 5 missed payments. We called to find out what it was they said we were being charged for debt protection/ forgiveness plan and late fees. Then we were transferred to Citibank to be told the same thing and that we signed up in 2010 when we applied for the card. I have never signed up for these programs ever, I would never agree to pay a monthly thing like this that is useless. I told them this and they transferred me to the program within Citibank and she was able to cancel it as if today, but not to get the charges reversed or refunded. No one was able to help us with the fact they reported us to the credit bureau for missed payments ( 5 ) for this ridiculous service that I did not sign up for. And it is important to have that removed. Im being punished and charged for a service I did not agree to!
Product: Debt collection

Good Afternoon. First and foremost, I, XXXX XXXX XXXX, is filing this complaint. ERC Collections sent a letter to my parents home in XXXX, XXXX First and foremost, I haven't lived in XXXX since College, which was XXXX. Secondly, I have never had an account with XXXX. I am requesting that they cease communication and that they remove this account from my credit immediately. I will sue if they keep this on my credit. I have submitted an identity theft report from the police station and from idtheft.gov. They have contacted me twice and I do not owe anything. Now they are reaching out to people that they think are associated with me. I am a victim of identity theft and I am requesting help with this issue immediately. Thank you.
Product: Credit reporting or other personal consumer reports

I had to travel for a funeral and found a company that helps veterans with flight fees. On XX/XX/XXXX I saw on my credit report that the account was showing a 30 days late payment XX/XX/XXXX and 30 days late XX/XX/XXXX. I emailed XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. Additionally, I called XXXX XXXX XXXX XX/XX/XXXX to ask for this inaccurate information to be updated. I was given a confirmation email stating that if I paid XXXX XXXX XXXX  {$1100.00} ( my remaining balance in full ) they would remove the inaccurate information. Here it is, XX/XX/XXXX, and the account is only showing as closed with still late payments. This is effecting my credit score and my life.
Product: Debt collection

I attempted multiple times to return a call to XXXX  regarding a debt they contacted me about. I received no response, so I submitted a dispute via email ( to XXXX ) on XX/XX/2022. I still received no response via email, paper mail, or phone. Said collections account was reported on my credit score XX/XX/2022 after I was unable to reach them to verify the account or pay anything. I was then contacted by a different collections agency this month trying to collect it ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX XXXX XXXX account number # XXXX and XXXX XXXX XXXX account number # XXXX and XXXX XXXXXXXX  XXXX  account number # XXXX and XXXX XXXX XXXX account # XXXX have violated my rights. 

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

15 U.S.C 1681 SECTION 604A. SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I have applied for 2 loan modifications due to financial hardship causing us to struggle and get behind paying our monthly mortgage of {$3600.00}, which was both approved but the first loan modification was approved increasing mortgage from {$3600.00} to {$4000.00} and the second loan modification was approved increasing mortgage from {$3600.00} to {$4300.00}. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute a fraudulent collection account that has been reported on my TransUnion credit report. The collection account has been placed by XXXX XXXX XXXX on XX/XX/ 2023. 

I am a victim of identity theft, and this fraudulent account has caused significant harm to my financial standing and reputation. I have never applied for telephone credit, and I have never had an account with XXXX XXXX XXXX. 

I have taken all the necessary steps to protect my identity, including filing a police report and notifying all relevant parties of the theft. However, the damage has already been done, and I am now facing the consequences of someone else 's actions. 

This fraudulent collection account has caused my credit score to plummet, making it difficult for me to obtain credit and access financial services. I have been denied credit applications, and I have been subjected to high-interest rates and unfavorable terms because of this fraudulent account. 

I understand that the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) provide me with certain rights in these circumstances. Under the FCRA, I have the right to dispute any inaccurate information on my credit report and to have it removed. Under the CFPA, I have the right to file a complaint against the entity that reported the fraudulent account and seek appropriate relief. 

I urge you to investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX for reporting inaccurate information and violating my rights under the FCRA and the CFPA. 

I appreciate your prompt attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Debt collection

Received a letter with request to payment to the company Revco Solutions I do not recognize and never contracted any service from. They claim to act on behalf of XXXX XXXX, but I don't know who they are either. 

My attempt to log in to their website for inquiring more information resulted in attempt to install some software on my computer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit XXXX XXXX XXXX XXXX, XXXX, XXXX report three different time three different amounts and after I did dispute and filed complaint whit XXXX  is still reporting inaccurate info to my credit. I like to file complaint to Attorney General but I having problems to find address and full name of this company. Please help me to remove this inaccurate collection and if possible share there full name and address also. Thanks XXXX
Product: Mortgage

Sold my home in XX/XX/2023, Mr. cooper had my account after closing i had paid for XXXX, but they will not refund my over payment.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a deferral agreement on my two vehicle loans with Ally in XX/XX/2020 due to the affects the Coronavirus had on my business at that point in time. Attached are a copy of the confirmations for same. 

Ally had reported the accounts delinquent in violation of the CARES Act which requires that a financial institution continue to report  accounts in a current status if they were current on XX/XX/2020 and some type of accommodation has been made or to report the account in the same delinquency status on the account tradeline if it was delinquent as of XX/XX/2020 and not progress the delinquency. 

Ally has caused me substantial damages by reporting my account delinquent. My credit score has fallen significantly, which has not allowed me to get another vehicle loan when my vehicle has needed repairs. I was also in the process of getting a Mortgage for a new construction loan for a new house. This has now had to be cancelled. 

I have contacted Ally directly numerous times, and while they escalated it once I expressed my rights and requested an AUD be files, they have yet to respond to my requests for immediate resolution and or a satisfactory resolution. 

I respectfully request that Ally file an AUD to cure this deficiency immediately to mitigate my damages.