23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX To whom it may concern : I am filing this complaint because I have am exhausted with the credit bureaus and the creditors that are reporting this incorrect information on my credit reports. These accounts are fraud and are not valid debts. It doesnt seem the bureaus need to respond to legitimate concerns that I have brought to their attention. Are they so big that they do not need to follow the laws of the Fair Credit reporting Act? Clearly, they are willfully disregarding my desires for a fair credit report. This is a form of plausible deniability to not take any responsibility for their incorrect reporting. 

I have sent letters to the creditors as well. I requested original correspondence and signatures. It was my understanding that they need to prove their debt and claims to be able to report this inaccurate information to the bureaus. 

The following is the account information and a timeline for the correspondence to the bureaus and creditors.

Credit Reporting company : $ Amount reporting Credit Bureau reporting XXXX XXXX {$4700.00} All 3 bureaus Cache LLC {$18000.00} XXXX XXXX XXXX  {$6000.00} XXXX XXXX XXXX {$4500.00} XXXX XX/XX/XXXX Letter to all bureaus requesting deletion due to fraud. 
XX/XX/XXXX Letter to all bureaus requesting proof of debt. 
XX/XX/XXXX Letter to all of the above companies demanding proof of debt. 
XX/XX/XXXX Letters to all bureaus. 
XX/XX/XXXX letters to all bureaus requesting reason for not deleting files. 
XX/XX/XXXX Letters to all above companies requesting validation of debt. 
XX/XX/XXXX Letters to all bureaus demanding deletion since none of the companies had validated the debt in question. 
XX/XX/XXXX Letters to all companies demanding validation of debt. 
XX/XX/XXXX Request to all bureaus for deletion of unvalidated debt. 

I am requesting help in this matter. As you can see, I have appealed to the bureaus and the companies for relief from this fraudulent debt. I am simply asking for deletion of debt from my bureaus that is not mine and has never been. 

Please advise me via US Mail. I look forward to their Reponses. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS HAS TO DO WITH " XXXX & XXXX " NOT REPORTING CORRECT INFORMATION. THIS HAS BEEN GOING ON FOR ALMOST 9 MONTHS NOW SHOWING IN MY REPORT THAT THIS CREDITOR STILL CA N'T GET THIS ACCOUNT UPDATED CORRECTLY. I 'VE TRIED CALLING THE EXCHANGE AND I WAS TOLD AND ADVISED BY THE CALL TAKER THAT I 'M NOT ALLOWED TO TALK TO ANYONE IN CHARGE OVER THERE. I CAN ONLY SEND OUT EMAIL 'S WHICH I 'VE TRIED ALSO BUT THATS A DEAD END SAYING THEY ARE WORKING ON IT, THEY HAVE BEEN SAYING THAT FOR ALMOST 5 MONTHS NOW WITH NO RESULTS. THE CREDITOR IS ARMY/AIR FORCE EXCHANGE ON XXXX REPORT AND ON XXXX IT 'S LISTED UNDER MILITARY STAR SAME COMPANY. THEY SHOW THE ACCOUNT CLOSED SINCE XX/XX/2016 WHICH IS NOT CORRECT. I USE THE STORE CREDIT CARD, I PAY THE MONTHLY BILL EACH MONTH, THAT WOULD BE IMPOSSIBLE IF THE ACCOUNT WAS CLOSED.
Product: Mortgage

I HAD AN COMPANY XXXX CONTACT ME AT HOME AT XXXX ON A SATURDAY MORNING WITH LETTERS WITH BANK OF AMERICAS LOGIN STATED THAT I HAD ISSUES WITH MY LOAN MODIFICATION APPROVED BY BOA 6 YEARS AGO. MINOR THREATS STATING THAT I NEED TO RESIGN PAPERS AND THAT OTHER PEOPLE EXSISTED ON MY TITLE WHICH I DOUBT AND I NEED TO HAVE THEM SIGN THE MODIFICATION. THE LOAN IS IN GOOD STANDING SO I DONT UNDERSTAND I DONT LIKE PEOPLE SHOWING OUT UNANNOUCED WITH PAPERWORK THAT CLAIMS I DID NOT WISH TO COMPLETE THE NEW PAPER WORK???
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was in a the market to shop for car and they pulled my credit from few different lenders without disclosing it with me. 
I tried to dispute it with XXXX, XXXX and Equifax and i did not get a proper respond. I'm very upset that those hard inquires is going to be on my credit repots which I did not allowed it. I would appreciate it if we could get those removed. 

Thank You
Product: Credit reporting or other personal consumer reports

I am Requesting the Removal of Inaccurate XXXX  Payment Entry from Credit Report. Account Number : XXXX In light of these regulations, I request that you take immediate action to rectify this error by removing the inaccurate XXXX  payment history entry from my credit report. I emphasize that this request is not made frivolously, but rather in accordance with my rights as outlined by the FCRA. I have enclosed copies of supporting documents [ attached file ] to substantiate my claim of XXXX payment. I trust that upon review of this evidence, you will promptly correct the erroneous information on my credit file. Please provide written confirmation once the necessary corrections have been made. Additionally, we request that you furnish my client with a free copy of their updated credit report reflecting the removal of the inaccurate XXXX  payment entry. In addition to the inaccurate XXXX  payment entry, it has come to our attention that the credit report provided by your agency differs from those provided by other consumer reporting agencies. Such inconsistencies raise concerns regarding the accuracy and reliability of the information being reported by your agency. In light of these legal obligations and discrepancies, I hereby formally request that you take immediate action to rectify the error by removing the inaccurate XXXX  payment entry from my client 's credit report. This request is made in accordance with their rights as outlined by the FCRA, and failure to comply may result in further legal action.
Product: Credit card

It is about the Capital one Credit card. So my statement fee is due on the XXXX of every month. I was trying to pay on XX/XX/2023 and the website would not process the payment. I kept trying throughout the day but it didn't work. In the evening of the same day, it worked and I made the payment of {$590.00} which was my statement balance. I made the payment on the XX/XX/XXXX but it got posted on XX/XX/XXXX as the payment was made after XXXX XXXX Eastern time on XX/XX/2023. 
Later they charged me with late fee and interest fee. I called them and they said they can only refund my late fee and they can not do anything with the interest charge fee. They keep getting mad if I try to explain my situation and hang up the call. 

I need to address this because it isn't my fault in any way. I made the payment but the customer service lady gets mad and talks rudely and hangs up my call.
Product: Debt collection

This is now going on 3 years, XXXX has removed this debt, but TransUnion is still showing as an open item.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXXg. I could not upload my XXXX XXXX documentation. I could not reach Experian to find out the status of my XXXX XXXX documentation
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1200.00} XXXXXXXX XXXXXX/XX/year>
Product: Student loan

In XXXX of XXXX, at XXXX Years old, I started my 18 month program at XXXX XXXX. I was eligible for a certain amount of federal loans, and XXXX told me I could pay the rest of the amount monthly as I attended. In XXXX of XXXX, they called me into the financial office and told me their policy was changing and I needed to take the rest of the amount of tuition owed out in a loan through XXXX. In the 14 months I had been in school, I had paid approximately {$5600.00} directly to XXXX and had never missed a payment. The amount of the loan was {$1500.00} and was at 12.25 % interest to cover the rest of the money I owed directly to XXXX XXXX! All of this,5 months shy of my " Graduation '' date. I graduated in XXXX of XXXX with the debt of my {$1500.00} XXXX XXXX XXXX along with {$6100.00} in Subsidized Stafford Loans and {$8000.00} in Unsubsidized Stafford Loans ( {$14000.00} Total in Stafford Loans ). I did have a job, but it only paid {$23000.00} a year. It took me until XXXX XXXX, XXXX to pay off the {$1500.00} XXXX XXXX XXXX and due to not finding the " Job of my dreams '' and ending up with below market pay until recently, I always had a hard time paying my student loans and STILL owe {$16000.00} ... ... {$2100.00} MORE than my original loans! In XXXX of XXXX, I was able to refinance my loans, but after it was still hard to pay. To date, I 've paid {$9200.00} for my loans, with a projected payoff date of XXXX XXXX ... .23 years and 11 months after my " Graduation '' with a degree that is n't worth the paper its printed on. My credits were never and never will be able to transfer ANYWHERE! If all goes according to the monthly payment schedule, I 'll pay another {$18000.00}. My bogus XXXX XXXX that I was sold was supposed to cost {$21000.00}. By XXXX of XXXX, when I 'm XXXX years old, it will have costed me over {$33000.00}!!! I have other negative experiences with XXXX from their sales tactics during my enrollment that should have been a dead giveaway of what I was getting into, but I was too naive and had already paid them money for my application and placement tests and did n't want to give that up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX sold Consumers account to XXXX. At the time XXXX purchased this account, the balance was {$10000.00}. Consumer was given notice by XXXX XXXX XXXX XXXX of the assignment of the account and the balance due. Shortly after the assignment, XXXX sent a letter notifying Consumer of the assignment to XXXX and its internal account number XXXX. This account was just recently acquired by XXXX. Validation will be sent promptly. Additionally, the case cited by Consumer has nothing to do with purchased debt as suggested. Based on the foregoing, XXXX is closing this complaint. 


This entire statement is false, seeing as there is an active cease and desist in place with XXXX XXXX. By law they can not contact me. I also requested from XXXX the following information. 
Under the FDCPA, consumers have the right to request verification and disclosure of debt information, including the amount paid for the debt. Here are relevant sections : 1. 15 U.S.C. 1692g ( a ) ( 1 ) : Debt collectors must provide, within 5 days of initial communication, a written notice containing : - The amount of the debt. 
- The name of the creditor. 
- A statement indicating the debt is assumed valid unless disputed. 
1. 15 U.S.C. 1692g ( b ) : Consumers can request verification of the debt within 30 days of initial communication. Debt collectors must provide : - Validation of the debt. 
- The amount paid for the debt ( if requested ). 
1. 15 U.S.C. 1692g ( c ) : Debt collectors must cease collection activities until verification is provided. 

To exercise your rights, submit a written request to the debt collector via certified mail, requesting : - Verification of the debt.

- Disclosure of the amount paid for the debt. 
Itemization of charges is not verification of debt. Please send documentation containing my wet signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX XXXX, and # 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 state consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I received an invitation from Bank of America to open a Business checking account. I was offered a bonus of {$1000.00} after fulfilling a couple requirements as explained to me by the bank representative who helped me open this account. XXXX of the requirements was to open a Bank of America Business credit card. I did go ahead and applied for the Bank of American XXXX credit card with an annual fees of {$75.00} and was approved. The bonus of {$1000.00} was to post to my account within XXXX8 weeks after fulfilling the requirements. After not receiving my bonus of {$1000.00} I called the bank to resolve the issue. I was notified by the representative that I had to spend {$2000.00} on the business credit card within a certain period of time to qualify for the bonus of {$1000.00} This requirement of spending {$2000.00} was never disclosed to me by the bank representative who helped me open the account at the branch office located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Only after being charged a monthly account fees of {$29.00} for several months I was told that the representative will open a case for me and this was in XXXX 2016. The case reference number is XXXX. After two months there has been no follow-up from bank of America to help me resolve this issue and they continue charging me {$29.00} monthly fees. I am very disappointed with the situation as I was not made aware of all the requirements for this bonus offer and the Bank constantly charging me a monthly fees while this case still has to be resolved and further no feedback from the bank in the last 60 days for an open case. A Bank of this stature can definitely do a better job of communication. I would like to receive my bonus of {$1000.00} asap and have this issue resolved at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX Acount # XXXX, XXXX  Account # XXXX, XXXX Account # 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
account name # XXXXXXXX account number # XXXX XXXXXXXX account name # XXXX account number # XXXX account name # XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX XXXX XXXX  account number # XXXX account name # XXXX XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX XXXX account number # XXXX account name # XXXX account number # XXXX violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( XXXX ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX  ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquiries on my credit report that I did not authorize. The inquiries are fraudulent and we're performed without my authority. The inquiries are fraudulent from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Principals rights were violated by XXXX XXXX XXXX in conjunction with XXXX, TranUnion, XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. Information was reinserted on principal consumer report this erroneous tortuous act took effect on XX/XX/ in the amount {$720.00}.
Product: Debt collection

In XX/XX/XXXX I had a bill for internet service settled before I moved out of my apartment. I dropped off the modem and went to the XXXX XXXX XXXX/ XXXX  store and asked working employees if I needed to clear anything else and they said no everything was taken care of. This included any charges and anything else. 

Three years later in XX/XX/XXXX MRS associates and XXXX XXXX who are two different debt collection agencies are asking me to pay different amounts. MRS associates threatened that if I didnt pay within 40 days they could attack my credit. 

I called XXXX  when I received the email from MRS associates and they told me I owed money. I told them I was already disputing the amount I owed with MSR associates. XXXX  said they were going to dispute it also but they said they would call back in three business days and they did not. They didnt have me on file for any charges and said it was waved but it showed I still owed money but couldnt find out what the charges were for and werent clear because everything was cleared? 

I am not sure how I have debt with XXXX, XXXX XXXX and MRS accociates all at the same time for different amounts for something i never owed money on to begin with and am afraid that my credit will be attacked. 

Please help me.
Product: Credit card

Kindly see the attached documents. I want the bureau to begin an investigation into these accounts, as I am never overdue, but they are wrongly reported as such.
Product: Debt collection

On XXXX/XXXX/XXXX I was called in regards to a {$51.00} bill presumed to be my responsibility. I had asked the representative what this bill was in regards to. It was from a medical bill on service date of XXXX/XXXX/XXXX for an emergency room visit. I had explained to the representative that my husband is XXXX XXXX XXXX and we are covered medical insurance. Representative had stated that I still had patient responsibility of {$51.00} after insurance pay out. Asked if I could phone insurance company to verify and see what the discrepancy is. Called medical insurance and they stated that original biller had input the medical codes incorrectly and I was being double billed. Insurance agent stayed on the line as I did a conference call back to collection agency to clear this issue. I was hung up on and spoken to disrespectfully with insurance agency as a witness to verify how I was treated. Insurance agent and myself got very frustrated and frankly also was appalled by their actions. We tried to explain how to fix it after 3 attempts at calling with rude language and getting hung up on. I then asked if I could get information of original biller so I could work directly with them and was rudely told good luck finding their information online. Completely unprofessional practices when trying to resolve an issue.
Product: Vehicle loan or lease

Global lending services refuses to even consider unemployment income as income in regards to my loan application.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting information on my credit report incorrectly and twice with two different account numbers for trade XXXX XXXX XXXX I have submitted disputes to no avail. As a result of the dispute the original creditor updated my account as paid as agreed, satisfactory account. XXXX changed it back to a negative account as well as listed it twice and again with 2 different account numbers. After becoming weary of trying to resolve this matter, I paid a collection agency - XXXX XXXX aka XXXX  to resolve the account. 

As proof of my claim, I am submitting excepts from 3 XXXX credit reports, Receipts from XXXX XXXX Thank you so much for any help you can give me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I paid my collections for XXXX XXXX XXXX. The issue is XXXX XXXX and XXXX broke the law. Legally if the account is sold to the original corrector, I am not liable for that debt. I only paid it because they were threatening to take me to court, threatening to come after me, threatening to get police involved. They broke the The Fair Debt Collection Practices Act! These are all violations of U.S Law! 

Per 15 Us 1692c : a debt collector may not communicate with a consumer in connection with the collection of any debt. I was sent paperwork by mail, they blew up my phone everyday. I felt harassed, scared, stressed out!! They also called me before XXXX and after XXXX which is against the law!!!! 

The information on my transunion report and experian report are being reported inaccurately and does not have the same information. If your fail to communicate to the consumer reporting Agencies that this company broke the law, that would be a violation Pursuant 15usc 1692e8- False or misleading Representation! 

Per US LAW a consumers debt is not allowed to be communicated unless I gave consent. I never gave consent for XXXXXXXX XXXX to contact me! Look at 15 U.S 1692b. 
I was also represented by an attorney and they still illegally was harassing me!