23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt collection agency told me I owed {$4200.00} ( around that amount to my doctors office ). That amount lined up approximately with my portal amount. I reached out directly to the debt collection agency to settle the amount. They said if I could pay {$3800.00} out of my checking account today they would settle the debt. I said okay. 

When I went to my doctors appointment today they were like do you want to be put on a payment plan? I was like what I just paid the debt collections agency in full. Long story short the debt collections agency lied about the amount owed and falsely lead me to believe my account was settled. When in fact my doctors office only sent {$3700.00} to collections and the rest were made up fees of approx {$500.00}. I paid the bill as soon as I got it in the mail and from the checking account. They falsely claimed the fees were funds I owed to XXXX for medical bills. When I learned of this she was rude and said there was nothing I could do this was paid. 






CACi XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX Email : XXXX XXXX
Product: Debt collection

Stallings financial Group of XXXX Georgia put an erroneous collection item on my credit report. I disputed this through XXXX and the collection agency reaffirmed that I owed the debt. I contacted the original creditor, spoke with their business office and billing service and both confirmed that I was not in their system. I attempted to contact Stallings Financial Group and was unable to reach any individual. This collection agency is located as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX. 

I noted that several other people have had similar experiences with this collector.
Product: Mortgage

I had a HELOC  with XXXX XXXX XXXX  secured by my home. I owe nothing on the mortgage or theHELOC. 

When bank was sold to Specialized Loan Servicing my loan documents were apparently sent to a wrong address. I knew nothing of change until a check on my XXXX   was returned for NSF. 

I have called Specialized more than 20 times and have spent hours on hold. Every customer service agent says to email them a change of address request and copy of my drivers license. I have done this five times. 

I have repeatedly asked that they either send my documents and check blanks for my HELOC  or release my mortgage so that I can take my business elseware. I have a mid XXXX credit rating and will have no problems replacing their loan. 

It appears that since they refuse to release my mortgage or honor our loan agreement that they are hiding something. I think that they are stealing my identity for some reason. 

They will not give me a name or phone number of one person who can fix this.
Product: Credit reporting or other personal consumer reports

Subject : Inaccurate Reporting of Discharged Account in Violation of FCRA and Bankruptcy Code Description : I am submitting this complaint regarding the inaccurate reporting of my XXXX XXXX XXXX XXXX account ( Account # XXXX ) by XXXX XXXXXXXX, TransUnion, and XXXX. The following are the specific issues : 1. Balance Reporting Post-Bankruptcy Discharge : This account was discharged under XXXX XXXX bankruptcy in XX/XX/XXXXXXXX 
TransUnion continues to report a balance of {$570.00} as of XX/XX/XXXX, which is incorrect. The balance should reflect {$0.00}, and the account should be marked as discharged.

2. Inconsistent Reporting Across Bureaus : TransUnion and XXXX report different last reported dates, with TransUnion showing XX/XX/XXXXXXXX  and XXXX showing XX/XX/XXXXXXXX 
XXXX correctly reflects the bankruptcy discharge but retains an incorrect status as closed with balance. 

3. Violations of Federal Laws : Reporting an outstanding balance post-bankruptcy discharge violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting under 15 U.S.C. 1681e ( b ). 
This also violates the Bankruptcy Code, which mandates that discharged debts be reported as {$0.00} with no outstanding balances or ongoing collection activities.

4. Negative Credit Impact : This inaccurate reporting has harmed my credit profile and financial standing. I have been unfairly penalized due to these inconsistencies and errors.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before i seek litigation for defamation of character ). XXXX XXXX XXXX balance {$81.00}
Product: Debt collection

I recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by XXXX XXXX XXXX/XXXX  XXXX XXXX regarding a credit card account that was filed in XXXX  Circuit Court on XX/XX/XXXX. 

I would like to make the CFPB aware of this occurrence as I never received a formal document from XXXX/XXXX XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the XXXX Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX. 

I would like be contacted by a representative of either/or both XXXX XXXX & XXXX XXXX XXXX via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation. 

Latest updates are that I never received a letter from Hayt Hayt and Landau regarding in XXXX as referenced in XXXX letter of response ( attached ) to my initial request to create a payment arrangement which was submitted through CFPB - and if I had not been contacted by an outside legal entity that I would not be aware that a court case was entered against my name. As a result of this discovery I have repeatedly reached out to Hayt Hayt Landau and have left voicemail messages with XXXX XXXX and also physically spoken to a team member that promised they would have the attorney on the case call me back or email me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I still have not received a call/ voicemail message or an email in response to my request to create a payment arrangement. As I have not been given a file number yet due to no one reaching out to me - I am unable to establish a payment arrangement or initiate a payment. Can someone please advise me on whether I should initiate a payment arrangement with XXXX if Hayt Hayt Landau does not contact me via email/phone or respond to my phone calls prior to the XX/XX/XXXX court date? I do not have vacation/leave available to go to court or additional money available for legal representation and would like to establish and arrangement in order to resolve this issue. If I am unable to resolve this issue a judgment would put me into an even more arduous financial situation. I will continue to call Hayt Hayt Landau as I would like to establish an arrangement as soon as possible. Please Advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from XXXX XXXX XXXX but I never applied for XXXX XXXX ... I have a XXXX account but never applied for their credit card. I have reached out to them on at least 2 occasions and sent a letter to TransUnion because TU does not allow you to dispute inquires online. They say they are investigating but this occurred on XX/XX/XXXX and I called to complain only days after. They did not give me case number the first time I called but they did the second time : XXXX
Product: Credit reporting or other personal consumer reports

I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to remind you of my rights under 15 U.S.C. 1681c-2, which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : XXXX
Product: Credit reporting or other personal consumer reports

This private student loan was opened in XXXX and I renewed an XXXX XXXX XXXX deferment/forbearance form every year as required by XXXX XXXX, signed and certified by my school 's official. I called every time to request the form to be emailed to me, then sent the form back and followed up in a week or so to ensure it was received. My forbearance form in XXXX was no different ; I called to ensure it was received, and the female representative stated it had been applied as requested and would be good for another academic year. I thanked them. A few months later, I noticed on my credit report 2 late payments, significantly dropping my credit score. I was shocked and called XXXX XXXX. They stated they would apply the in-school deferment and did so starting XX/XX/XXXX, but never removed the incorrectly reported late payments from XXXX and XX/XX/XXXX. I also never received mail, e-mail, or phone calls telling me I had a payment due. I have repeatedly attempted to contact XXXX XXXX to no avail ; calls were escalated, I would wait on hold for hours, and eventually be told that it was a specialized department and someone would have to call me back. I never received a call back. In XX/XX/XXXX, the loan was sold to another servicer and there is apparently no one at XXXX XXXX I can speak to any longer. This is extremely frustrating and simply wrong.
Product: Debt collection

This company Pressler, Felt and warshaw sent me court papers of a judgement made, in a court, I never recieved any prior paper worker to come to any court hearing. Now I just recieved another set of paper work that my check would be garnished. For XXXX a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request to delete inaccurate information relating to XXXX account To whom it may concern, I am writing to dispute a collection that is currently on my credit report. This collection is due to identity fraud. This discrepancy started with a XXXX Collection in XX/XX/XXXX under the name of their collector XXXX. Shortly after discovering this XXXX account on his credit file with your company, I contacted XXXX and disputed the collection as not mine. I spoke to a XXXX representative who informed me that the collection would be removed since 1 ) I never lived in XXXX Colorado and have not visited XXXX since XXXX. 2 ) I am and have been an XXXX XXXX XXXX employee since XXXX ( add if he is provided with free phone since that time ). Since XXXX, the collection has been disputed, removed and reinserted on my credit report with your company at least 4 separate times ( the last time being in XX/XX/XXXX ) .This is very frustrating that this is allowed to happen. Nobody from your company has reached out with me in a fashion to permanently resolve this.. The collection item for XXXX has appeared on my Credit report under 3 different collection agency names XXXX, XXXX  XXXX and XXXX. 
At this time, I am requesting you to please permanently remove this fraudulent collection from my credit report. My wife and I are currently trying to get financing for a home but are being stymied because this adverse collection item is adversely affecting our ability to obtain this mortgage loan at a fair rate. Feel free to contact me if you need further information to demonstrate that this was not my account. 
Sincerely, Timeline : XXXX No XXXX Collections XXXX XXXX Collections on CR  - XXXX   Contact XXXX Disputed on all Credit Bureaus XXXX Collection Removed XXXX Disputed Transuinion via XXXX XXXX, disputed XXXX  and XXXX  via websites XXXX Collection back - XXXX XXXX ( as of XX/XX/XXXX ) XXXX Collection still on CR 's XXXX Collection removed XXXX Collection reinstated - XXXX XXXX XX/XX/XXXX submitted to CFBP -> FTC Disputed all Credit Bureaus XXXX Collection still on Transunion and XXXX  XXXX Collection still on Transunion and XXXX  XXXX XXXX XXXX XXXX XXXX Collection Removed XXXX Collection reinstated with XXXX- XXXX XXXX  XXXX Collection reinstated with TransUnion - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Debt collection

This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX ) The collection Agency State Recovery System which is on XXXX XXXX XXXXXX/XX/XXXX, CA XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The comapny has also violated these laws. - 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. - 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days. There is over {$10000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX, I am writing complaint to request immediate investigation on inaccurate items on my credit account. If inaccurate, they must be removed in order to show my true credit history as these items should not be on my Credit Report. According to the Fair Credit Reporting Act. I request you to reinvestigate this verification within 30 days. 
**Address report** XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX These addresses are inaccurate, XXXX XXXX have only true address which i enclosed its proof below. Please delete these incorrect address, **Credit Card** _XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX This account states i have late payments on XX/XX/XXXX, XX/XX/XXXX. This is inaccurate. Please update payment agree. 
**Account** _XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine. Delete it!! 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX   XXXX XXXX : XXXX. XXXX, XXXX Miscellaneous Reptg. Agencies UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION **Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I never receipted any loans or credit from this company. 
**Collection** _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX I do not have a financial obligations with THEM. Please delete this reference on all credit reports. 
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX This account is not mine, Delete it!!! 
XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX I don't own this company any money and never receipted any credit from them. Provide me full document about this account.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 an XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was put in my name without my authorization & my knowledge, also XXXX XXXX XXXX account of XXXXXXXX XXXX was reporting to my Credit report without my knowledge & Authorization these are both fraudulent accounts & Collections
Product: Checking or savings account

Again you have ignored the fact that you yourselves told me I had until midnight last night to access and move funds but my account was already fully closed refusing me the access to my money that you said I would have access to until midnight. I called four times sent numerous emails to no avail. I have been told it's closed because of a deposit agreement term or condition yet I have zero idea of what you mean I want specific examples. Furthermore also ignored on every call and email was me explaining I can not receive mail or a check at the address you have in file and I want the access to my money that chime promised me which turns out was a complete and utter lie. I'd suggest escalation in this is too a manager if you do are unable to do anything to fix this illegal error chine has made. Forward to someone who has the ability or authority to fix y'all 's huge mistake quickly. Thank you
Product: Credit reporting or other personal consumer reports

My credit report contains inaccurate information under 15 USC 1681c-2, specifically unauthorized inquiries. This is damaging my credit, and I request the removal of all hard inquiries I didnt approve.
Product: Credit reporting or other personal consumer reports

I Sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. I Also gave the credit bureau numerous chances to fix this matter. 

( List of accounts Accounts ) Type of Account : Collections Collection Account : XXXX XXXX XXXX Account Number : XXXX Type of Account : Collections Collection Account : XXXX Account Number : XXXX
Product: Debt collection

COLLECTOR VIOLATED THE AUTOMATIC STAY IN XXXX CASE XXXX, THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, TITLEX CFPB.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX # XXXX XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy # XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NEVER LATE IN THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple written certified letters asking for these inquiries to be verified. No response it has been over 45 days. There is no permissible purpose items have not been validated XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23