23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

FirstPoint Collection resources , Inc. is reporting unverified medical information to Credit reporting agencies in the amount of {$52.00}. I initially contacted FirstPoint, in writing ( see Attachment # 1 ), and requested proof ( documents bearing my signature ), that the debt belonged to me because I have not personally conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. 

FirstPoint responded to my request for a signature bearing document with a letter ( See attachment # 2/3 ) stating the debt was verified and it belonged to me. None of the information provided by FirstPoint bore my signature or any other validating evidence linking me to the debt. I responded in writing again ( See attachment # 4 ) to request a signature bearing document as proof of this debt but never received a response. 

Both XXXX and XXXX have investigated this account, deemed the information unverified and invalid, and have subsequently removed this account from my credit report. Yet FirstPoint continues to report this unverified debt to XXXX in violation of both the FCRA ( Fair Credit Reporting Act ) and the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). 

I also reached out to FirstPoint by phone and spoke to a woman by the name of XXXX to try and resolve the issue because I am trying to purchase a home and this item is negatively affecting my credit report. I explained my situation and asked if i could get a goodwill deletion if I paid the debt in full ( even tho it wasn't mine ) so it would no longer show up on my XXXX credit report. XXXX told me that they would not give a me a Goodwill Deletion and would still report the collections account to my credit report even after I paid the balance. FirstPoint 's policies and actions are highly predatory and violate the FCRA and HIPAA and should be investigated. I have made attempts to resolve the matter and have been met with staunch opposition which is the reason I am filing this complaint.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/XXXX I took an installment loan out with a company called Moneytreeinc and upon taking this out I logged into the account to setup a complete payoff one week after the loan was taken out and notice they imputed another debt of {$520.00} on this account.

I called into this company to get details on why there was another debt listed on my account and they stated it was for a check that was cashed back in XXXX that came back as XXXX. I explained to them that this was the first time I have ever had dealings with this company and that I wanted proof of debt to be sent in which they refused to do but forwarded my complaint to their disputes department and hung up on me. 
On the XXXX of XX/XX/XXXX I received a call from the Moneytreeinc Consumer Complaints Department from a representative name XXXX last name was refused to be given. When I ask for this fraudulent item to be explained I was told, and I quote " XXXX- Do you know a person by the name of XXXX XXXX XXXX My response No! XXXX-interesting do you have a police report for identity theft? My response - One was file back in XXXX, but I don't have the file. XXXX- well we need that to further investigate. My response- So you're telling me you're trying to collect a debt from a check that was cashed in XXXX you're not giving me a date and the name you provided is not even me but you're going to try and force me to pay this? XXXX - XXXX! My response - Well this is not mine you're illegally trying to obtain a debt that does not belong to me, and I will be filing a complaint with the FTC and XXXX of Nevada and if needed file a Civil Tort and the conversating was terminated and she hung up. '' This company is creating debt and false names and trying to get people to pay those debts and this needs to be investigated.
Product: Debt collection

Hi. I've been getting continues calls and letters from collection agency Radius global solutions for an old debt to XXXX which was included in a list of accounts on my credit record when I did credit repair about 3 or 4 years ago. I check my credit record often and I see no accounts on collection, my record simply appears clean in all 3 bureous, and I actually have a new account with XXXX already. That account is from around XX/XX/2012 or even before. 

I asked the person that helped me fixing my credit and he said they have no right to charge me or do anything anymore against me. So I need these people to stop calling me or sending those letters. 

XX/XX/XXXX Radius reference number XXXX CURRENT CREDITOR ; XXXX XXXX I, XXXX {$1100.00} I got another letter after that on XX/XX/XXXX offering me an option to pay the debt in 3 payments, for a total of XXXX, but as said before, I know my credit is clean and this is for a very old debt which was cleared from my credit report
Product: Mortgage

We have received multiple letters saying we need to have more flood insurance. We have provided multiple documents showing that we have more flood insurance than the loan amount. 
They bought more flood insurance and billed us for it. They just send a generic rejection without giving us guidance as to what amounts we need and WHY.
Product: Checking or savings account

To whom it may concern : There is someone stealing from my bank accounts at Wells Fargo, XXXX XXXX, and the XXXX XXXX XXXX XXXX. They are using XXXX XXXX, XXXX XXXX and other sources to transfer money. I do not know how they retrieved my personal information. Maybe, they stole mail from my street. I receive weird letters with different addresses and names. 

I am very saddened that this is happening. I am older, vision impaired, and in pain daily. I can not go to the bank every time that there is a problem or money is stolen. This account belongs to me, however, my daughter is a beneficiary on several accounts. My daughter has been on taxes, since XXXX, we were involved in accidents in the XXXX 's and she ( XXXX XXXX ) assists me daily with care. We have accumulated a lot of wealth. 

The police have also been recently harassing us. They were harassing my daughter for no reason and they have destroyed her property, worsening our health. My daughter is severely depressed. They ruined her vehicle to the point she has to associate with dangerous people while travelling. The police might be stealing personal information to ruin me and my daughter 's life. I do not speak to any other people in regards to my checking or savings account except my daughter XXXX XXXX. The people who are hacking my account are strange people who I have no affiliation with. I am very anxious and nervous since these problems continue to occur. 

My daughter has several complaints here also. Please send me correspondence of this complaint. Someone else also has hacked my telephone number as well as my daughter 's trying to steal money from our accounts. I never talk to this people. Telemarketers and scammers might make calls occasionally. Please help me with this matter. The police might have also caused some of these problems and there is even a stolen check that was in my daughter 's vehicle that, XXXX XXXX, my daughter 's previous finance company has stolen. 

Basically, someone is hacking my phone numbers, debit cards, bank accounts and other information to steal money online through different banks. 
Please email my daughter with correspondence about this case. Note : hackers are hacking me and my daughters phone numbers. They are using identity fraud. Who has are numbers? 
My name is XXXX XXXX Daughter 's name XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

A loan for {$1000.00} Agreed payback of $ XXXX the rate of {$130.00} for 10 consecutive weeks. 

I look on the website, and it says {$4300.00}. 

That's {$3300.00} of interest on a {$1000.00} payday loan. So far, I've made 5 payments of {$130.00} each -- all on time
Product: Credit reporting, credit repair services, or other personal consumer reports

Submit document for XXXX XXXX earlier this years receive paper confirmation that the history or the account will be removed because company took to Long to respond and there was no proof of the account. The account was being mailed to wrong address and the wrong email I never received any bill. Results stated on paper that they will remove the historical data of the account but it 's still posted I have been fighting this for months even though I have the paper work. Now that I have paid the account off the historical data is hurting my credit file. I 'M REQUESTING THE ACCOUNT BE REMOVED FROM MY REPORT. Or the historical data all be deleted. 

Also the address and the social variation is not mine.. I keep sending over documents to get these address removed and I also have active alert but I keep seeing address being added to my account and address staying the I do not know. THESE ADDRESS ARE NOT MINE. MY ADDRESS IS XXXX XXXX XXXX XXXX ALL OTHER NEED TO BE DELETED
Product: Checking or savings account

On XX/XX/year>, I first tried to initiate an online transfer from my Discover Bank checking account to an external one. But eventually the transfer request failed to be processed with a message saying " We're unable to complete your request ''. After then, despite numerous attempts and seeking assistance from Discover Banks customer service, the problem remained unresolved, causing me significant inconvenience and financial distress.
Product: Credit reporting or other personal consumer reports

I have tried calling to have 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 removed. I was recently notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I am requesting all of these Inquires be removed or corrected immediately as its affecting my chance of getting a house, car and more. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

I have a loan on a XXXX XXXX through Northwest Bank and have been paying on it since XXXX, in that time I have never missed a payment. In XXXX i realized i was out of loan payment slips to send in my payment. When logging into their mobile app to find contact info I was informed that I could now link an external account to make loan payments directly through the app, with the payment transferring directly from my checking account. 

I submitted all account info and waited on the trial deposits required for account verification. After three days the deposits were made and I logged into app toverify and make payment. I initiated a transfer of {$600.00} from my XXXX XXXX checking account to the loan, after i completed it I got a confirmation screen saying the transfer had been initiated. 

Early XXXX I receive a notification from a credit monitoring service saying that I had negative information on my report, upon checking it I was informed that Northwest had reported that I was over 30 days late on my account. I immediately called and explained that I had made the payment through their app. They told me they had never received it so at that time I made that payment and the next payment due at the same time. I asked them if they could remove the 30 day late mark on my credit since their app had told me it had been initiated, they told me if I did not have a screenshot to prove it then I was out of luck. When I asked why I wasnt emailed regarding my account like every other bank I use does they informed me that a letter had been sent and claimed that voicemails had been left. ( i never received an voicemails or a letter in the mail ) I called again on XX/XX/XXXX after I recieved a notification from another credit bureau regarding the late payment, during the course of tis call they asked me all of the same security questions that they have been asking since XXXX to access my account via phone. Those questions include your full address, and during this conversation I was told that I hadn't supplied the right address, I then gave them my previous address and once again they told me it was not correct. At this time I gave them the address that I had lived in in XXXX and was finally correct. When I questioned why I was never told that I was giving the incorrect address, they argued that I never changed my address and it wasnt their responsibility. But my argument was why over the years was I allowed access to a secure account even though I was not providing the correct address which was used as a security question to access said account, and had they informed me that my answer was incorrect in one of the many calls I had made since leaving that address then I would have got the letter that they claim they sent to notify me that my payment was late before it got to be XXXX  days delinquent. 

I have had a perfect payment history with Northwest bank for the life of the loan as well as all of my other creditors, and now have a negative remark on my credit report that will stick with me and adversely effect my score for the next XXXX years due to failures on many of levels.
Product: Credit reporting or other personal consumer reports

There are multiple instances of noncompliance with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I refute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

15 U.S.C. Section 1681e states that " a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates whenever it prepares a consumer report. '' 12 CFR Part 1022, sometimes known as Regulation V, mandates that furnishers : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.
Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that errors in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXX XXXX Late Payment {$0.00} XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX  XXXX XXXX Late Payment {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection {$770.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$890.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Collection {$180.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  {$660.00} XXXX XXXX  XXXX {$660.00} XXXX XXXX XXXX XXXXXXXX XXXX  {$950.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  {$950.00} XXXX XXXX XXXX {$710.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Collection {$710.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$230.00XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection {$970.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX  XXXX Charge-off {$6300.00}
Product: Credit card

I recently submitted a complaint about my Macy 's account, regarding the Service Member Civil Relief Act being applied to my account. Some ajustments were made, however that is not the full amount that was owed to me. I joined the XXXX in XXXX of XXXX XXXX, went to the XXXX until XXXX XXXX. From XXXX XXXX to present, I 've been on XXXX. It 's XXXX years and a XXXX. I only received {$2000.00}. In XXXX, my fees were {$95.00} and interest {$410.00}. This year so far, my interest is {$180.00}. So its no way possible that the refunded amount that I received, covered fees, and interest for a XXXX year period. I do pay my account on time and just need Macy 's to fix this problem. It 's been six months, and I 'm still getting the run around ; why is this minor problem being such a hard fix for a mega store. My previous complaint number : XXXX. 

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

I spoke with customer service manager at XXXX XXXX regarding my amount owed and amount in XX/XX/2019 states past due. The manager assured me this wrong information was not report by XXXX. However, it still remains on my credit report after I have sent the correct amount owed and my account has not been late this year. I am trying to keep my credit on track. My score went down 64 points in the last month, due to errors. Can this information with all three credit bureaus be fixed as soon as possible.
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX are reporting a FRADULANT Collection Account that is NOT accurate and needs to be deleted immediately and updated it is NOT mine. 
This is a fraudulent account with identity theft. I had my identity stolen on the dark web, with the XXXX and XXXX XXXX breach, and lost my ID and social security card at the airport. I filed a Police Report and XXXX for Identity Theft Over XXXX accounts were opened in my name. Someone used my Bank Accounts and Stole my identity numerous times over the last several years. 

This needs to be deleted immediately it is NOT Mine. Delete and Update my Credit Report to Accurate and Fair Reporting today. Police Report is attached. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has furnished information on my credit report that I did not give authorization or written consent for Experian to do so. The information or account is XXXX with account # XXXX
Product: Debt collection

XX/XX/year> amount do is XXXX and under15usc and 1692 c I would like to dispute on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XXXX -- -> : {$4000.00} XXXX XXXX XXXX : XXXX -- -> : {$18000.00} XXXXXXXX XXXX : XXXX -- XXXX : {$9900.00} XXXX XXXX : XXXX -- XXXX {$1700.00}
Product: Debt collection

on XXXX XXXX, XXXX my husband and I short saled our house. We have not received the 1099c to do our taxes. I have emailed and my husband called on XXXX XXXX, XXXX about this matter. I called today XX/XX/XXXX and was told by customer service that we will get it by XX/XX/XXXX. We found out that our credit reports were all messed up because of XXXX XXXX. We could not get another loan and I could not get a job because of this. I am still trying to find a job. We have all documentation for credit reports to prove that XXXX contacted and put addresses that we never lived at. I still have a lawyer on my credit report that should not be there.We should have received our 1099c in XXXX. They had plenty of time to do this. Thank You
Product: Credit reporting or other personal consumer reports

I got a loan with Eagle finance in XXXX which was paid in full never late. At some point someone other than me renewed the loan. The address, signature, employer were not mine, and I do not recognize them. They attempted to get a default judgement in a different jurisdiction with out me being aware. When I found out I got the default judgement set aside. They refilled where I actually live with a bogus contract. The signature does not even resemble mine. Im unsure if it is contract fraud or identity theft. I provided a notarized FTC identity theft affidavit and a police report. I offered to pay stating the debt wasnt mine but Id rather pay them the {$2000.00} and change they claim I owe than pay it to an attorney and potentially have to pay them both. They explained they already had a default judgement and would make more collecting off of that. They served an employer that isnt even mine with wage garnishment paperwork. They should have had my real information from when I actually applied for a loan, but they used whatever the identity thief provided instead. The default judgement was set aside and they moved to the county I actually reside in and they started the process of trying to get a default judgement. Incorrectly, citing trial rules that do not apply. We will go to court XX/XX/XXXX to try and resolve this. At this point they are trying to collect on a debt not owed, that they have been notified was fraud. They are negatively reporting. What they are doing is abusive, and from XXXX reports looks like a common practice. It is their responsibility to validate the debt, and report accurately. So far they have provided chicken scratches on one of their contract forms that dont even come close to resembling my authentic signature.
Product: Credit reporting 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 Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX* Balance Owed : {$4600.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$31000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$4600.00} XXXX  XXXX XXXX Balance Owed : {$100.00} XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX  XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I disputed these accounts and inquiries due to fraud. The other two credit bureaus removed the accounts and inquiries, but Equifax lied and said they validated the accounts and refuse to remove the inquiries
Product: Vehicle loan or lease

On XX/XX/23, I applied to refinance my car loan via XXXX. The advertisement was in my Credit Karma portal for a refinance at 3.12 % for 66 months. After following up with the companyXXXX XXXX and the email I received that my application was being processed on XX/XX/23, I was told that Credit Karma had the wrong rates and that I could not be given the 3.12 % because of the Federal Reserve. asked the company why I kept receiving the advertisements for weeks after increasing my credit score and to remove the hard credit pull on my account.