23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have attempted to rectify this incorrect debt claim to no avail. I have previously opened a complaint, # XXXX, stating the debt was not mine and I was a victim of identity theft. A report was also filed with the FTC, # XXXX. I have received only one correspondence from the debt collection company, at which time I had returned contact and explained the debt was not mine and there is a misunderstanding as this was due to identity theft and I never had a contract that I opened. Please see below the previous complaint information, as I was contacted by KASON CREDIT CORPORATION in regards to an outstanding balanced owed to XXXX - XXXX XXXX in the amount of {$450.00}. I was a victim of identity theft, personal identification and other sensitive information to my identity was stolen. I have filed a ID Theft Report report with the FTC regarding the issue. This debt is not mine and believe my information was wrongfully used to open the account. The company 's return response is not accurate. I have not received " numerous letters or voice messages '' as they have stated. I received one letter and contacted them immediately, stating that I did not complete the contract or agreement in question and it was fraudulent. Including, but not limited to, completing a report with the FTC for identity theft.
Product: Money transfer, virtual currency, or money service

Problem with Zelle. Does not verify who the money is being sent to before sending.
Product: Student loan

I 'm charged late fines when it does n't show anything overdue. I have emailed and spoken to a representative about the matter, but they say I 'm not paying enough with the interest. However, it never states on my bill what I need to pay to actually cover all the costs to avoid the late fees!
Product: Vehicle loan or lease

It has come to my attention that there are discrepancies within my consumer file pertaining to the following account Santander consumer USA XX/XX/2022 These discrepancies have raised significant concerns regarding the XXXX XXXX XXXX XXXX XXXX XXXX and ensuring that the information furnished is fair accurate and complete as per right under the credit reporting USC 16 81 I am formally requesting a thorough reinvestigation of the account
Product: Debt collection

I was notified via XXXX XXXX that I owe {$150.00} to XXXX XXXX XXXX for a utility company that is not mine in XX/XX/XXXX. My wife and I contacted XXXX XXXX XXXX and the rep requested I send the package as well as the police report, I attached to this email and was told they would review it for fraud. The collection was removed from my report shorty after so I assumed my file had been reviewed and found in my favor and removed from my credit report. 

When the collection was placed back on my credit report recently in XX/XX/XXXX We called XXXX & XXXX requesting an update. We were told by a rep by the name of XXXX that my file was never reviewed since the rep who it was originally assigned to has left the company. She then said she would review it now and call back at the end of the business day. When she did she said that XXXX XXXX XXXX would not investigate my file for fraud since I did not have a current utility bill. We reminded the rep, as we did in XXXX that I was living at my in laws home at the time and was unable to place utility bills in my name and when I moved to the other address ( Box XXXX XXXX, I was denied utility credit. We asked that they stop reporting this since XXXX & XXXX opened this account without my authorization, signature and no ID to confirm my identity. The rep refused and denied an investigation again. 

We explained to the rep XXXX that the suspect has opened other accounts and that there was another, possibly more victims. XXXX XXXX, who we am in close contact with is another victim to the same suspect, we requested they look into the information but was again denied. 

We called back a few days later and requested any information on this collection be sent to me via mail so that we can file another police report specific to this account and send a copy to the bureaus who are reporting this collection, we gave our current address and am waiting on the information now. 

The police report shows that the suspect in the case is the one who in fact resides in the area XXXX XXXX  XXXX services. We have also filed a report with Identity Theft.gov
Product: Debt collection

It shows on my credit report that there is a AWA collection from XXXX XXXX XXXX. I have never get a loan from this company and never received any statement from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 


3. XXXX XXXX XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.
Product: Debt collection

I'm requesting to remove all my medical debuts from my credit reports under the new reguration by CFPB, this collection has no contract or with no accuracy on this medical bill demand to remove from my credit reports.

Please assist me to contact bureaus and resolve the problem.

Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am in the process of rebuilding my credit and recently pulled my credit reports from XXXX, XXXX, and XXXX  and noticed a debt that I believe that I do not owe. The company attempting to collect the debt is Portfolio Recovery. I do not believe that I owe this company or the original creditor which is XXXX XXXX. On XX/XX/XXXX I sent Portfolio Recovery a debt validation letter requesting " validation '' as opposed to " verification. '' I have attached the response that was sent to me on XX/XX/XXXX. It is my opinion that what they sent me was not " validation ''. The company failed to send me an original contract between me and the original creditor, all they sent me was a statement and a letter from the original creditor that states that the debt had been transferred to their company.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Creditor Name XXXX XXXX XXXX Discover Bank XXXX XXXX XXXX XXXX Subject : Request for Removal of Charge-Offs and Collection Accounts Dear Consumer Financial Protection Bureau I am writing to formally request the removal of charge-offs and/or collection accounts from my credit report. Upon reviewing my credit report, I noticed that the following accounts are negatively impacting my credit score : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Date Opened/Charged Off/Collection Date : XXXX XXXX - Amount -Account Name : Discover Bank -Account Number : XXXX -Date Opened/ XXXXCharged Off/ XX/XX/XXXX Collection XX/XX/XXXX -Amount : {$3400.00} -Account Name : XXXX XXXX -Account Number : XXXX -Date Opened/ XX/XX/XXXX Charge Off/Collection XX/XX/XXXX -Amount : {$1400.00} -Account Name : XXXX XXXX -Account Number:XXXX -Date Opened XX/XX/XXXX /Charge Off/Collection XX/XX/XXXX -Amount : {$2000.00} I understand that I have a financial obligation to resolve these accounts and have taken steps toward rectifying my financial situation. I would like to respectfully request that you consider removing the negative entries associated with these accounts, as I am committed to improving my credit standing.

If these debts have been settled or can be resolved through a payment agreement, I am open to discussing options for resolution. Additionally, under the Fair Credit Reporting Act ( FCRA ), I have the right to request an investigation to verify the accuracy of the negative information. If the information can not be verified or is inaccurate, I kindly request that you remove it from my credit report.

I have attached a copy of my credit report with the accounts in question highlighted, as well as any relevant documentation for your reference. I appreciate your time and attention to this matter and look forward to your response.

Thank you for your consideration. Please feel free to contact me at [ Your Phone Number ] or XXXX XXXXfor any further information. 

Sincerely, XXXX XXXX XXXX -- - You can send this letter to the credit bureaus ( XXXX, XXXX, and XXXX ) or directly to the creditors who reported the charge-offs or collection accounts. Be sure to include any supporting documentation, such as proof of payment or settlement, if applicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX and # XXXX Account name : XXXX XXXXXXXX # XXXX ALL has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I applied for a Home Depot credit card had a XXXX dollar limit they deleated my credit card And they closed my account cause the representative say it was not used in a yr I spoke with her XX/XX/2018. I called to ask them for a reconsideration cause I was gon na use the card to make repairs on my roof. She said she was sorry but the account is closed
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX Trafficking resulting in XXXX XXXX. I have sent all required documents to Equifax several times and have provided everything needed to have these negative items removed from my report. 

Equifax has not removed the items as requested. Pursuant FCRA 605C within 4 business days.

I am sending another list including all the negative items to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER XXXX IS APPEARING ON MY XXXX, XXXX   AND EQUIFAX CREDIT REPORTS. 
XXXX XXXX XXXX IN RESPOMNDING TO THE CFPB ON XX/XX/2019, SAYS '' THE ACCOUNT IS NOT THEIRS '' AND IN THIS CASE SHOULD NOT BE REPORTING ON ALL OF MY CREDIT FILES.I HAVE ATTACHED XXXX XXXX XXXX XXXX RESPONSE TO THE CFPB IN COMPLAINT NUMBER XXXX. 
IN ADDITION, XXXX XXXX UPLOAD SYSTEM DOES NOT FUNCTION..AND XXXX REFUSES TO RE-INVESTIGATE CALLING THE DISPUTE '' FRIVOLOUS ''.
Product: Debt collection

A debt validation was mailed certified to the collection company on XX/XX/2021. The company received the letter on XX/XX/2021. In response, on XX/XX/2021 the collection company sent copies of my bills which contained my medical history such as : Diagnoses codes, procedure codes, and procedure description. This is a violate my HIPAA rights.
Product: Payday loan

I have always paid on time and when I am going to pay late, I call the office and go in to fill out a form. My payment was due XXXX XXXX which was on a Saturday and they are no longer open on Saturdays. I went in to the office on Monday, XXXX XXXX to fill out a form and let them know that I was going to be late paying. On Wednesday, XXXX XXXX, someone came to my house and left a letter that they came by trying to get in contact with me. I spoke to someone from the office and no one can explain to me why this happened.They also took an unauthorized payment from me in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Accounts # - 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, credit repair services, or other personal consumer reports

Have no knowledge of these company running my credit report.
Product: Vehicle loan or lease

I was never informed of wrongful insurance that was placed on my vehicle loan without my permission until I found out about the settlement and after my vehicle was repossessed because the illegal insurance they placed on my loan. I called several times a few years ago, and tried to receive the actual amount of money they owed me that included the thousands of dollars of electronic equipment I had in my vehicle at the time of repossession. I also lost my business because I was left without a car. They never paid me for that.
Product: Credit reporting or other personal consumer reports

I tried for an hour to request a credit freeze. I was informed that I already had an account, but I had forgotten my log in information. I tried to reset my username and password, but when I put in my information, it told me that I did not have an account. This was a vicious circle for an hour while I waited on hold to speak with customer service. I finally spoke with someone in customer service - confirmed my identity via an arduous process, including uploading my drivers license- which took about XXXX pictures to achieve. Got through that - was sent a reset code - tried to reset and repeatedly got " We Are Temporarily Unable To Complete This Request ''. It feels like Equifax was hacked again- it should not be this difficult to reset a password- especially after confirming my identity with the agent online. 

After the huge data breach - I'm not even sure if I should have an account. Seems they aren't able to protect my most sensitive information!!! 

I don't know what to do.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Titlemax of DE illegally repossessed by vehicle from my home address in NJ. I have been unemployed since XX/XX/2017 and had been telling them to give me time to pay. They took the vehicle on XX/XX/2017 without informing me and did not give me opportunity to remove personal belongings from the vehicle. I need the vehicle to look for work.
Product: Bank account or service

I opened an account on Friday, XXXX XXXX, 2016 after visiting Bank of America to cash a payroll check. On Saturday I attempted to use my card and was advised that my account was being closed. I called on Monday to see why and they advised me that they did not have to tell me as it was a business decision that they made. They advised me that the payroll check which is drawn on their bank is being place on hold and that the hold went into affect on XXXX XXXX, 2016 and will not clear until XXXX XXXX, 2016. The branch manager of XXXX XXXX XXXX could not understand why they would hold a payroll check for so long since my employer uses Bank of America. They refuse to give me an explanation as to why my account is closing. They refuse to give me my funds after the branch manger has already written on the check that a deposit via my mobile device. This is beyond unacceptable as the department that is handling this refuses to speak with me nor give the branch manager an explanation. This has caused me to be late on a bill that I needed to pay and if they issue me a cashiers check via mail, I will be losing funds as they will charge me a fee to cash the check. This bank feels that they can treat me any kind of way and they do n't have to answer to anyone or give any reason.
Product: Credit reporting or other personal consumer reports

Reviewing my information and verifying the alerts that come to my phone that they were accessing my information without my authorization to obtain credit and financing, which he claimed are fraudulent, please remove all these inquiries from my information : delete. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these are inquiries that I do not recognize and are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

The United States Bankruptcy Court does not release any information to the credit bureaus and is not responsible for verifying information or validating information from consumer credit files. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) my rights are being violated under the law. Remove this bankruptcy immediately.
Product: Payday loan, title loan, or personal loan

I was diagnosed with XXXX in XXXX of 2021. I was very ill for two months and was not able to work during that time. I reported my illness to XXXX XXXX XXXX  but did not receive a response back. XXXX XXXX XXXX  reported a late payment of my loan bill but I could not pay the bill due to my XXXX  diagnoses. My XXXX XXXX loan is through SeedFi
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting an account with inaccurate late payments that I have been disputing with each credit bureau for quite a while now. 

They are verifying multiple inconsistent inaccurate late payments for XXXX of XXXX, XX/XX/XXXX and XXXX of XXXX. How is it that one bureau reports this account late but the other two report it as on time? If the credit bureaus all get their information from the same place, why are they reporting inconsistently? 

Its clear that no valid investigation was done into the account pertaining to these inaccurate late payments which is against the law and my rights as a consumer to have accurate information on my credit report. These late payments are illegally reporting and I am demanding that they are deleted from reports and that this account is updated as on time as I was never late on this account!
Product: Credit card

American Express demands payment of {$230.00} for a {$96.00} charge made in XXXX 2016, plus late fees and interest. 

In XXXX 2016, I received a letter of apology from American Express stating that all charges had been cleared from the XXXX accounts in dispute, including the XXXX with the alleged outstanding balance.
Product: Credit reporting or other personal consumer reports

The company is reporting fraudulent inaccurate information on my credit report. This account shows up as a charge off. The company is in possession of the car and I was never received a XXXX cancellation of debt form after I requested the XXXX form 3 times.
Product: Debt collection

I am writing to remove XXXX fraudulent tradelines on my credit file by CONTRACT CALLERS INC. Furthermore, I am begging this consumer agency to enforce this by helping me remove a fraudulent and blemished collection account from my credit file. I have disputed the following data on my credit file more than a few times, which is fraudulent. I spoke to someone at, CONTRACT CALLERS INC and the XXXX lady said you people never pay your bills. You people? This is beyond XXXX. I have disputed these illegal debts several times and once I dispute the debt, the debt collector must stop all debt collection activities until they provide me with proof that I owe the debt, which I do not since it is fraudulent. CONTRACT CALLERS INC must provide me with that proof and never bother me again. Under the FDCPA, I have the right to dispute the debt and it has XXXX separate components : 1-Right to notice of the debt 2- Right to contest the debt 3-Right to verify the debt Within XXXX DAYS of first contacting the Consumer Financial Protection Bureau. CONTRACT CALLERS ' INC must send a letter telling me : the amount of the debt the name of the creditor information about what I can do if I think there has been a mistake, and proof. I can prove it is XXXX XXXX. The debt collector must stop all debt collection activities until it can verify the debt. Additionally, I have my original XXXX XXXX  affidavit. The recurring patterns of complaints against CONTRACT CALLERS INC, as reflected in the XXXX XXXX XXXX  complaints, are as follows : Denial of Debt : The denial of liability for the debt assigned to CONTRACT CALLERS INC, continues to be a consistent complaint across all customers. I do not owe this debt and have no contractual relationship with CONTRACT CALLERS INC. Lack of Original Contract : Customers consistently complain that CONTRACT CALLERS INC did not provide me with the original contract that I requested. This contract would confirm the claimed debt. Unfamiliarity with the Company : I am not familiar with CONTRACT CALLERS INC or the original debtor. I have never been contacted. Inappropriate Reporting : A complaint suggests that CONTRACT CALLERS INC, reporting of the debt to credit bureaus might be violating the Fair Credit Reporting Act. This indicates potential issues with their reporting practices. Claims of XXXX XXXX : This is XXXX XXXX. It points to potential issues with verifying my identity. Unsatisfactory Product/Service : These complaints fall under the complaint type " Problems with Product/Service '', which indicates a more general issue with the way CONTRACT CALLERS INC , managed its debt collection process or communicated with its customers.