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

XXXX  report number XXXX. 
I have previously disputed and had this same collections from XXXX XXXX removed XXXX times. This is the fourth time it has returned. I disputed it again and was not successful in having it removed, submitted a follow-up dispute on their failure to remove it, and the collection remains on my report. I believe it stems from identity theft around the first time I discovered the collections. I had to also remove an address from a state I've never been to. 
I want this collections removed from my report, and I'd like to never be inconvenienced by it again. 
My previous successful reports are XXXX, XXXX, XXXX, and the removed address XXXX
Product: Credit reporting or other personal consumer reports

In accordance with 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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious XXXX issues and could no longer drive or work to make the payments on the car.I lost the ability to XXXX. Had to go to a XXXX XXXX for almost two years and through XXXX XXXX for 14 months before i lost two XXXX in my XXXX XXXX. They just XXXX. I now have XXXX and XXXX and XXXX and XXXX holding me together. This can all be verified. I had to have XXXX XXXX in XXXX 2015 of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story
Product: Debt collection

A relative of mine received an email from this company ( trueaccord.com ) indicating they were " working with XXXX XXXX '' to resolve a debt. Since this contact was made thru email, several privacy violations occurred including providing my name, personal address, account number ending, date of origination as well as date of default. I have settled this debt already and believe this company is fishing for debt that is no longer valid. I have reached out to this company with no response multiple times and informed that my personal information, including an account number created by trueaccord was provided to someone other than myself. I plan to take legal action if this issue can not be resolved. Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Citi Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Dear XXXX XXXX, I hope this letter finds you well. I am writing to formally request a copy of the IRS Form XXXX for a debt that was charged off and reported by your company on my credit report. The details of the account are as follows : Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Amount Charged Off : {$280.00} I believe that the issuance of a 1099-C is required under IRS regulations for the cancellation of debt, and I would appreciate your assistance in ensuring that I receive this form promptly. 
Please send the 1099-C form to the address listed above or provide instructions on how I can obtain it. If there are any additional steps, I need to take to facilitate this process, kindly let me know. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy. 

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

To whom this may concern : On XX/XX/2020 upon checking my credit I discovered that there were items reporting negatively on my credit which has been extremely harmful to my credit score. This same day I contacted the company listed as the creditor on my report, and proceeded with the dispute process. They replied with a letter on XX/XX/2020 stating that they are the debt collectors and that the info the had was valid. 

I responded with another dispute letter on XX/XX/2020 asking them to verify and show me where I had a contractual agreement with them, they refused and decided to send me yet another letter as their so called verification, this letter was dated XX/XX/2020 The company refuses to comply with the laws of the FCRA so I am writing with hopes to get help and bring this situation to a resolve. 

upon doing further research I discovered that this company isn't even registered to collect debts in the state of Florida. 

All info to support my claim is attached to this complaint.
Product: Debt collection

I settled out a debt and the remark on my credit file still states I owe minus the amount I settled for which was not the agreement. This error is causing me issues. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Jefferson Capital Systems , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) ,15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Product: Credit reporting

I received a credit inquiry alert on my Trans Union credit report. The following credit inquiries from XX/XX/2017 are unauthorized and fraudulent : XXXX/XXXX, XXXX/XXXX and XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account below should be a zero balance. 

Item1 : XXXX XXXX XXXX XXXX Account : XXXX {$9100.00} Reported balance Highest balance {$10000.00}
Product: Credit card

I received a letter from Comenity Capital Bank dated XXXX. The letter states that they need me to contact them to help finish the processing of " your recent application to open an account ''. 
The account is a XXXX XXXX  credit card that I NEVER APPLIED FOR. The letter also states that I need to get in touch with them within 14 days. 
I have not called the number on the letter as it is different than the number I found online for Comenity.

I will be calling them momentarily with the number off of their official website.
Product: Debt collection

Nothing was sent to me in writing about this debt. I got knowledge of it when I check my credit score this morning and this debt went into collections.
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

I recently became aware of a loan they received against their equity line in XXXX. The initial loan is listed in the amount of {$50000.00}, in which they used {$25000.00} to pay for repairs on their home they 've lived in since XXXX. The loan was issued with an adjustable interest rate. As of date, they have paid interest on the loan in a sum that is well over the amount of the {$25000.00} they 've used. 

They were solicited by Chase and refinanced their main mortgage in XXXX. My concern is no one advised them to wrap the adjustable equity line with their primary mortgage. I am writing to request your investigation into this matter and to come up with solution to resolve the equity line loan amount by wrapping it into their main mortgage or any other sensible option. I am aware that a refinance may be the solution, however, they are not in a financial position to pay any additional fees.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered that XXXX XXXX XXXX ( XXXX XXXX XXXX  ) accessed it without my permission on XX/XX/year>. They have not met the requirements under the FCRA to gain access.
Product: Debt collection

The collection agency is " Location Services LLC '' located in Ohio. On XXXX/XXXX/2015, I spoke with a representative from Location services who claimed that I needed to set up payments for a balance of XXXX that I owe to XXXX. XXXX has gone into my bank account and taken payments on a balance that I owed them from the original loan of XXXX. XXXX even sent a letter to me stating that I only owed them XXXX and if I were to bring that payment in to them that I would be eligible to re-loan with the company. 
When I questioned the representative from Location Services about the balance his reply was " I dont know either '' and he hung up the phone on me after I explained to him that I dont owe that much from XXXX and that they received payments directly from my checking account. To me it seems as though this collection agency is trying to collect funds.
Product: Credit card

I had a credit card with " XXXX XXXX '' which I fell behind on. The total balance was {$500.00}. This debt was apparently sold to " XXXX XXXX '' who then turned it over to " The Law Offices of XXXX XXXX XXXX '' for collection. XXXX XXXX 's office sent me a letter on XXXX/XXXX/XXXX demanding a total of {$800.00} for this bill. Although I am afforded 30 days from my receipt of that letter to dispute the debt I was not allowed to do that as XXXX XXXX 's office filed a small claims suit against me on XXXX/XXXX/XXXX, 18 days after sending me notice of the debt. They then sent me a letter dated XXXX/XXXX/XXXX indicating that " on XXXX/XXXX/XXXX '' I was served with a summons but can still settle the matter " amicably '' by paying their demand. As this is a credit card debt, it is subject to a non-binding arbitration agreement and as such, XXXX XXXX 's office was erroneous in filing a lawsuit. Notwithstanding this error, XXXX XXXX 's office filed this suit within 18 days of notifying me that it had taken over the debt and thus disallowing me the 30 days to which I am entitled to dispute the debt and request proof as the FDCPA affords me. The addition of {$300.00} to an alleged {$500.00} debt with the above FDCPA violations constitutes multiple unfair debt collection practices as well as abuse of the court system.
Product: Bank account or service

I lost my job on XX/XX/XXXX, 2015 which was my last paycheck on XXXX XXXX, 2015. From XXXX/XXXX/2015 to XXXX/XXXX/2015 Bank of America continue to charge late fees even though it was clear no money was coming into the account. This has not been the XXXX time, that I have endured hardship because of Bank of America overdraft protection which I did not approve. The account should have just denied the transaction as no funds available. In addition, Bank of America allows debtors to resubmit and present transaction over and over again adding to the negative balance. Bank of American branches has take the position there is nothing they can do about reversing the excessive fees. I had to make a change to our account changing our Social Security check to a debit card because Bank of American systems knows money will be deposited and the behavior. Thus verifying that this is being done intentionally to build us excessive late fees. On XX/XX/XXXX, 2015, I will go to Bank of America to resolve this issue but I decided to file my compliant because they will be unwilling to remove the excessive late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am writing this complaint myself, there is no third party involved. After reviewing my most recent credit report from EQUIFAX I noticed fraudulent and unauthorized inquiries on my report. I have filed an FTC report and sent EQUIFAX a handwritten notice and identification ( tracking # XXXX XXXX XXXX XXXX XXXX ) with instructions to delete 8 fraudulent and unauthorized inquiries within 4 days, pursuant to 15 USC 1681c-2. I am demanding the immediate deletion of a collections account for {$240.00} listed with incomplete information. I do not recognize it as an obligation of mine. 
There is no creditor listed and no contact information to inquire for more details. It is impossible that EQUIFAX could have validated and verified this account before reporting it without detailed information on the creditor and the account. In addition, I am also requesting a full record of how the collection account from XXXX XXXX was validated and verified. EQUIFAX must prove to me that they are in full compliance with the FCRA and FDCPA, as I'm aware that credit reporting is voluntary and not mandatory, I do not recall giving XXXX XXXX written permission to report private potentially negative information to a third party, nor did EQUIFAX receive such consent from me. It is against federal law to report alleged debt when the account has not been properly verified and validated with original documentary evidence. EQUIFAX must provide me with such documentary evidence or remove the XXXX XXXX account immediately.
Product: Debt collection

I signed up with XXXX XXXXXX/XX/XXXX in XXXX and also their internet service. Contract was signed around XXXX of XXXX and in XXXX of XXXX I walked away as they breached the contract. In the agreement there was supposed to be unlimited data usage but they bandwidth limited me which is a breach of the unlimited usage and they claimed I would have to fall under a certain amount for a month to get full bandwidth back. I told them this was a breach and if full usage was not restored then the contract violated would no longer be honored on my side. They wanted me to return the equipment within 14 days and I told them to cover all packaging and shipping cost for the return and I would be willing to return their equipment. They sent a shipping label but would not cover any packing so I told them no. They have emailed me repeatedly threatening to take me to court and harm my credit and even turned it over to an attorney who says I am ignorant among other things. They do not wish to abide by anything laid out in the Fair Credit Reporting Act and want to try to be abusive and lie to win.
Product: Debt collection

In XX/XX/2012, I completed a Voluntary Repossession of a vehicle. I turned it in because I went to XXXX for 6.5 years. the company closed out the account and reported it as a closed account, repossession, etc. THAT account is about to fall off of my report. 

They then passed the account to a collection agency. They continue to report an open account, past due, each month. 

Is it legal that an account NEVER ages?? Can they continue to harm my credit on something that has been over with for nearly 7 years? What are my rights? How can I get the collection agency to stop reporting on my credit? 

It is the only negative left on my credit report. I could get a fresh start after spending 6.5 years in XXXX on an XXXX XXXX as ruled by the Utah Court of Appeals in XXXX of this year. 

PLEASE HELP. Name of Collection Agency is XXXX XXXX XXXX in Utah. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion back in XXXX of 2021 and spoke to a rep about unauthorized hard inquiries and they asked me to submit an identity theft report which I did. The Transunion rep also told me attach the identity theft report to a dispute letter, a copy of my ID, a copy of my Social Security Card, a copy of a Current Utility Bill, and to mail these items to their facility at XXXX XXXX XXXX, XXXX, PA XXXX. I did this in XX/XX/XXXX, and XX/XX/XXXX. Transunion has disregarded my disputes, I have not received anything about my disputes in the mail. The other credit reporting agencies removed these fraudulent items because they were fraudulent. EVERYTHING WAS SENT VIA CERTIFIED MAIL.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I spoke with a verified vendor on XXXX regarding purchasing a golf cart. I received the attached invoice for {$1500.00} for the golfcart and {$500.00} additional for the door to door shipping. At the seller 's request I made a payment for {$1000.00} via credit card and another {$1000.00} via zelle. I received what I thought was tracing information from a website that appeared to work. 4 days later the item supposedly reached customs in the USA and I was told the shipper needed an additional {$2900.00} for an insurance fee that was refundable. I paid another {$2900.00} via zelle. The following day I was told it would be another {$4000.00} for a HMF fee ( also fully refundable ). I told the seller that wasn't possible, and they offered to split it with me at {$2000.00}. I then sent a XXXX for {$2000.00}. The following day I am told it will be {$1500.00} for the shipping, however the " tracking website '' now shows released and out for delivery. I told the seller I felt this was a scam and asked for photos of the golf cart as well as the port it was located in and stated I'd go pick up myself. The seller said photos and pick up were not possible and I'd now be charged storage fees. This is all documented on XXXX, however they are not assisting in getting my zelle funds back from their " verified seller ''. All items are documented attached. I filed a dispute with my banks regarding the zelle payments and they have said they also can't assist. The shipping company doesn't appear to exist, they have no phone number and the email address doesn't receive a reply.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX, XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

Amount Needed to Reinstate Loan : {$73000.00} Select Portfolio Servicing offered me Forbearance through the pandemic and told me that I had to pay a Lump Sum on Pandemic Forbearance. I was in a Forbeabearance prior to the pandemic and was paying and then I was offered a Continued Pandemic Forbearance and after that my Default payments went from {$23000.00} to {$73000.00} Default payments to Reinstate my Loan. Select Portfolio refused to work with me on the Pandemic Loan Forbearance and told me I had to pay everything in one Lump sum, that that do not honor other programs to move payments to the back of the loan. They are requiring {$73000.00} from me to reinstate my loan so I will not lose my home and have referred it to the XXXX for foreclosure actions.