23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Gulf Coast Collection Bureau , Inc . 
XXXX XXXX XXXX XXXX, Florida XXXX Phone # XXXX or XXXX This company sent me a collection letter on XXXX XXXX. 
Reference # XXXX. 

The correct account number is XXXX ( XXXX XXXX XXXX ) XXXX bill was paid in a timely manner to XXXX and should not be in collection. Paid to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. 
I paid {$77.00} instead of {$76.00} on XXXX XXXX. The money order. 
# XXXX ( XXXX XXXX ) XXXX. This money order was mail from the post office. I will like for you all to delete these 2 paid debts from all 3 Credit Bureaus and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX in the amount of {$180.00}. Money order # XXXX on XXXX XXXX, account # XXXX. Both debts are paid in full, no balance due to XXXX XXXX XXXX XXXXXXXX FL XXXX. It looks like, due to incorrect account number, they systems are showing me as still owing the hospital. Otherwise, I should not have received another collection notice for balance due. Please stop all collection efforts. Notify the hospital that my debt has been paid. Please verify my balance from each Collection Agency that payments have been made.
Product: Debt collection

I just checked my credit report and its showing a fraudulent collection account named : Credit Collection Service
Product: Debt collection

In accordance with the Fair Credit reporting act. XXXX  account # 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 an account without my written instruction. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX
Product: Credit card

This company has already garnished my wages for this debt, which originated during my marriage that concluded 13 years ago. They permitted my ex-husband to remove his name from the debt. Following the end of the marriage, I experienced significant financial hardship. Currently, the amount has doubled since the last garnishment, despite having previously addressed this debt. This situation appears to be theft, as it is now unlawful to continue collecting on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Identity Theft Credit Monitoring notified me of XXXX XXXX XXXX   incorrectly reporting a {$700.00} collection account when I have never even heard of XXXX XXXX XXXX. I have never received a single phone call or a single letter from XXXX XXXX XXXX. This, of course, is in direct violation of the FCRA. 

XXXX XXXX XXXX reports XXXX as the original creditor to XXXX. This is entirely FALSE. I have never once been late with my XXXX   account which has always been in GOOD STANDING. 

In fact, {$0.00} balance is due as the actual balance of only {$6.00} which was not due until XX/XX/20 has already been PAID IN FULL more than two weeks in advance. The next regular bill is NOT DUE UNTIL XX/XX/20. 

Either I am a victim of IDENTITY THEFT or XXXX XXXX XXXX is fraudulently attempting to collect a balance that is NOT DUE. 

I called the number that XXXX  provided for XXXX XXXX XXXX and no live person answers. A recorded message repeated itself before the call disconnected. 

There is {$0.00} due to XXXX and certainly there is {$0.00} due to XXXX XXXX XXXX, whoever they are. 

I would like to know why they are fraudulently attempting to collect an amount that is not owed, why they have failed to send a single letter regarding their fraudulent collection effort and why they failed to make a single phone call regarding their fraudulent collection effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX representing XXXX XXXX  XXXX XXXX placed an unauthorized hard credit inquiry via XXXX when attempting to sell me one of their products. During the phone conversation she made a request to check the last 12 months payment history with XXXX XXXX XXXX as they recently had purchased my FHA  loan from XXXX XXXX XXXX. She guaranteed that this was to check the history from XXXX XXXX XXXX and not a credit inquiry. 

Immediately after she had run my unauthorized credit pull, I received notification from my credit monitoring software and I contacted her via email ( attached ). I was told that she did not believe that it was a hard inquiry. I proceeded to pull my TransUnion, XXXX, and XXXX  reports displaying the unauthorized hard inquiry on XX/XX/2018. I made the request to have the unauthorized credit inquiry removed from my credit report. XXXX responded that she could not and that I may dispute this with my credit bureaus and stopped communication. I proceeded to contact her listed manager XXXX XXXX, receiving no reply as well.
Product: Credit card or prepaid card

This account is being reported as Collection/Charge-Off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit act XXXX Account XXXX XXXX, has violated my rights. 
Per fair Credit Report act Laws you can't have a pass due balance on a closed Charge off account. 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. 

XXXX XXXX Account # XXXX, Has violated my rights. 
15 U.S.C 1666B A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

18 USC 894 - NO negative information should be furnished to your credit report without your lawful authority. Committing unlawful extortionate means such as furnishing late payments, chagere offs, etc.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights.Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC Section 604.A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.15 USC 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I AM FILING A COMPLAINT AGAINST EXPERIAN FAILING TO PROPERLY INVESTIGATE MY DISPUTES REGARDING INACCURACIES IN MY CREDIT REPORT. DESPITE THE SUBMISSIONS, EXPERIAN CONSISTENTLY RESPONDS WITHIN 24HOURS STATING THE ACCOUNT IS ACCURATE, WITHOUT PROVIDING ANY EVIDENCE OF A THOROUGH INVESTIGATION. THIS VIOLATES THE FAIR CREDIT REPORTING ACT U.S.C. 1681 WHICH MANDATES A REASONABLE INVESTIGATION OF DISPUTES. FURTHERMORE, EXPERIAN 'S ACTIONS MAY ALSO CONTRAVENE THE CONSUMER PROTECTION ACT ( CFPA ), 12 U.S.C. 5536 ( a ) - ( b ), AS HIGHLIGHTED IN THE CFPB 'S RECENT ADMINISTRATIVE PROCEEDING ( FILE NO. XXXX ) AGAINST THEM FOR SIMILAR VIOLATIONS. I REQUEST THAT THE CFPB TAKE ACTION TO ENSURE EXPERIAN COMPLIES WITH THE FEDERAL LAW AND PROVIDES CONSUMERS WITH THE NECESSARY PROOF OF INVESTIGATION. 
THESE ARE THE REPORTED ACCOUNTS THAT'S INACCUARATE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I purchased a box for internet service in XXXXXXXX XXXX  for the purposes of securing a property I was currently renovating to sell. I sold said house located at XXXX XXXX XXXX in XX/XX/2024 I notified XXXX to cancel services. There was a disconnect, the company was sending mail to the subject property address which I wasnt receiving. On XX/XX/2024 I spoke to a representative with XXXX that sent me out a return label package to XXXX XXXX XXXX ( my billing and shipping address ) on XX/XX/XXXX I took that package and XXXX equipment to be shipped at XXXX store # XXXX at XXXX the tracking number is below and I have a copy of the receipt. XXXX I have called XXXX several times to give them This information, I went back to the XXXX where I was told there was nothing for me to do, the merchandise was successfully dropped off and shipped. It was on XXXX if their shipping and receiving didnt Input it. XXXX negligence is unacceptable. XX/XX/2024 my credit report was negatively impacted and reports with a collection damaging and dropping my credit score over XXXX while Im in the middle of escrow. XXXX is still giving me the run around. On XX/XX/2024 I spoke to several different agents, was on hold for numerous times, hung up on and a supervisor was ever provided after I requested to speak to one repeatedly. I spoke to XXXX then after 40 min transferred me to the collections dept. IC Systems
Product: Prepaid card

I was given 3 XXXX  {$100.00} Vanilla Visa Debit cards as a gift. I activated them and tried to use them at a XXXX XXXX. They were all XXXX declined. I thought it was too close to activation time, so i waited till 6 hours later and tried to make a purchase online and the cards were declined again. 

I called the call center and was told XXXX XXXX doesnt accept these cards. There is now a hold on the cards and they can no longer we used. The agent took my address down and 35 mins later was mailing the cards out to me. Hopefully to get here in 7-10 business days. There is no proof that this will happen and they just get to sit with the money? There was no fraud, just pure reason to give customers the run around and sit on those funds.
Product: Bank account or service

I banked @ Huntington. I 've had identity theft. Requested a new card, checking and savings account number. I called 3 days in a row and nothing was done. I went to the branch and the young lady really helped me. While going through her process she noticed a XXXX $ charge trying to come through. She admitted I had serious problems. She opened a new account and debit card. Also disputed the charges against my account. The next day they closed my account and refuse to investigate the charges against me. Everyone in customer service were very rude with attitudes. I ca n't pay my bills. I have nothing. I have to wait for tem to send the XXXX $ back to me. I filed bankrupt, therefore they were willing to open another account. I had identity theft then. Now they are saying I am high risk. My accounts were open when I told them that a representative advised me that it appears to be identity theft. The credit bureau advised me as well. All I am asking is what is owed to me. Customer Service has only given me nasty attitudes. They closed my accounts because of the disputes, although I alerted then when I first recognized them. I have to continue suffering because my direct deposits have to be rerouted as well as my checks bouncing..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I discovered an identity theft on my XXXX Credit Report. I contacted the reporting agency, but have not received a fraud packet. My identity has been stolen 8 times this year and I am extremely diligent with monitoring my credit. The alleged creditor is XXXX & XXXX XXXX. The collection Agent is Prince Parker & Associates, XXXX XXXX XXXX XXXX, XXXX, NC XXXX, phone ( XXXX ) XXXX.
Product: Mortgage

On XX/XX/XXXX, I started a refinance of my VA loan using the IRRRL with a new lender. On XX/XX/XXXX, Loan Depot began violating Title 12 U.S. Code 2605 ( k ) ( 1 ) ( C ) by misallocating payments, to wit, ( 1 ) paying the old home insurance company twice in the amounts of ( {$1800.00} ) that were not due to them from my escrow account ; ( 2 ) failing to pay my new home insurance company in the amount of {$740.00} which was due on XX/XX/XXXX ; ( 3 ) removing my XX/XX/XXXX payment and sending it back to me in the form of a check in the amount of {$1800.00} ; ( 4 ) charging me a late fee for the month of XX/XX/XXXX payment that they erroneously sent back to me in the amount of {$73.00} ; ( 5 ) because of the herein stated they could not finalize a Payoff amount need for me to set a closing date for the refinance of my home ; XXXX 6 ) on XX/XX/XXXX filed two Notices of Defaults against my home instead of correcting their errors regarding the payments for XX/XX/XXXX and XX/XX/XXXX to avoid a non-judicial foreclosure problem theyve created with these payment errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I became aware in XX/XX/XXXX that I was a Victim of Identity Theft and obtained a Police Report, I mailed them to all 3 major credit reporting agencies : Experian, XXXX & XXXX. However, Experian decided to cause me an unlimited amount of aggravation!! 

First, I 've initiated hundreds of disputes online, via mail, and over the phone. They never attempted to honor my request which by law based on the FCRA the CRA 's must legally not only remove the fraudulent accounts but also block them from reporting again should the creditor try to put them back on. 

It came to a point where Experian does now allow me to initiate disputes and they told me on the phone it 's frivolous, and they will never honor my request. 

Thanks XXXX it 's only Experian that does n't abide by the law and I give credit to XXXX and XXXX by removing them within 24 hours. 

I 'll be attaching a copy of my recent Experian report along with my police identity theft report which will show exactly the accounts that are fraudulent and Experian refuses to remove them. 

I have to add one more thing, there 's also 2 fraudulent account which is n't on my police report because at the time I got the police report was XX/XX/XXXX and the account which is not on the police report is PENFED CREDIT CARD, the reason is that it began reporting on XX/XX/XXXX. 

Lastly, these fraudulent accounts ( or at least most of them ) were opened using an address which is not associated with me as you can see on the report " XXXX XXXX XXXX XXXX '' and I would like to quote what Experian told me ; and these were their words " WE ARE UNABLE TO REMOVE THIS ADDRESS FROM YOUR CREDIT REPORT SINCE THERE ARE ACCOUNTS ( MEANING THE FRAUDULENT ACCOUNTS ) THAT WERE OPENED USING THAT ADDRESS, AND THEREFORE WE DO N'T BELEIVE THAT THIS ADDRESS IS N'T ASSOCIATED WITH YOU ''!! 

Common ; they admitted these accounts were opened using this address which is not in any way associated with me, instead of using it as the number one proof that these accounts are fraud!
Product: Vehicle loan or lease

I returned the lease in XXXX. In XXXX I get a credit alert with a balance of approximately {$2300.00}. I contacted them and could not get in touch with the right party to explain that I never received a bill or notice about anything and that I do not no anything about it. I wanted to let them know that the mail most likely was crossed with a neighbor who has a similar name and address. I would like to know what the balance if for and if it is due I would like to pay it but would need this issue removed from my credit. Thank you!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Loancare took over my mortgage in  XXXX  of  2017. Paid  previous payments to  XXXX   XXXX   XXXX  without any late payments. After not processing my first 2 monthly payments properly. They but a negative mark on my credit report and sent me a foreclosure letter after seeing the mistakes I promptly paid the past due amounts as well as all the current payments. I believe they processed this neg mark way before the allotted time aloud with out reaching out to me to rectify the problem. Sent letter to them on  XXXX   XXXX   2017 w as told in would be looked into  5 b usiness days afte r 10 i calle d in and was told in would be resolved on  XXXX     2017. Ha ve called in multiple times with no return call or contact from a supervisor. And it is past the 30 days off investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to the US Bankruptcy Court District of New Jersey asking if they report bankruptcies to the credit bureaus. I received the attached letter back from the US Bankruptcy Court District of New Jersey stating They do not report or provide information to any credit bureaus or agencies. The court further stated that They do not have any affiliation with the credit agencies, nor does it have any knowledge of, or access to, their procedures and records. 

So, if that is the case how did the credit bureaus edify this XXXX XXXX bankruptcy as 100 % accurate. The credit bureaus never did a fair investigation according to the 15 USC 1681. They are falsely stating this information on my credit report and have yet to remove this from my credit report. I have included tracking numbers confirming my disputes were sent by certified mail. I would like for you to have them take this unvalidated information off of my credit report.

The credit bureaus have violated my rights under 15 USC 1681 numerous times. 15 USC 1681 section 603 ( 3 ) ( E ) states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

According to 15 USC 1681 Section 602 A : It states I have the right to privacy.

According to 15 USC 1681 Section 604 A, Section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681s-2 ( A ) ( 1 ) : it states a person sha
ll 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. 

On XX/XX/XXXX I mailed letters to XXXX XXXX, XXXX and US Bankruptcy Court District of New Jersey. Please see tracking # s below. 
XXXX XXXX ( USPS Certified Mail Tracking # XXXX ) XXXX ( USPS Certified Mail Tracking # XXXX ) US Bankruptcy Court of NJ ( USPS Certified Mail Tracking # XXXX ) On XX/XX/XXXX I mailed letters to the 3 Credit Bureaus XXXX Experian, XXXX and XXXX. Please see tracking numbers below. 
Experian ( USPS Certified Mail Tracking # XXXX ) XXXX ( USPS Certified Mail Tracking # XXXX ) XXXX ( USPS Certified Mail Tracking # XXXX ) None of these credit reporting agencies have removed this XXXX XXXX bankruptcy from my credit report, as I have requested. Again, I would like for you to have them take this unvalidated information off of my credit report. They are violating my rights under 15 USC 1681 numerous times.
Product: Credit card or prepaid card

XX/XX/2022 sent in letter to have automatic payment setup was not executed per my request. 
XXXX did not apply payments and did not setup the auto pay. 
spoke with XXXX in XXXX, got the form from him, and set it in to the company directly. 
They could not make a payment plan after making exactly 1/3 payment of total bill. 
Had to call in to make that payment. 
The card services you call into is in XXXX, and they do not understand when you explain the problem to them. 
They are not interested in helping to resolve the issue and will continue to report to credit companies as past due even with it being their error.
Product: Credit reporting or other personal consumer reports

Submitted a dispute to TransUnion for many fraudulent accounts in my credit report. I provided a police report from the XXXX XXXX Sheriff Dept and an identity theft report from the FTC stating I did not open these accounts unfortunately I was oblivious with my credit and didnt notice the issue for awhile. TransUnion did not delete hardly any of the fraudulent accounts only a couple and missed an additional 10-15 fraud opened accounts
Product: Credit reporting or other personal consumer reports

I gave notices to Navy Federal to cease and desist all forms of communication to include written and electronic mails with consumer reporting agencies to comply with fair credit reporting act requirements for late payments and to comply with the protections of the consumer to whom the report relates.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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

Experiam has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiavle accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected not removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Good day, I received a call today that I could not answer from Berman and Rabin PA in Kansas. They then immediately called my father and told him they filed a suit against me - disclosing information to a 3d party.