23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX not able to close the dispute with XXXX XXXX XXXX, I stayed in XXXX XXXX XXXX  ( XXXX XXXX XXXX ), during move out as per contractual agreement and final settlement I paid all the dues. 

After a year, Collection Agency came to me stating that there is some due around {$59.00} with XXXX XXXX as they forgot to add 1 day extra rent in my final settlement. 

I never get any communication regarding that due amount nither from XXXX XXXX via email/Mail/phone nor from Collecttion agency for almost a year. 

I disputed my claim with Collection Agency stating its invalid as I had my final settlement letter along with me. 

Also after a year XXXX XXXX cant come back with new new chargers. 

I submitted all the evidences to the Collection Agency, still they are not able to resolve. 



Thanks
Product: Debt collection

Professional Debt Mediation is trying to collect a debt that is not valid, and in reality are trying to extort me. all information is documented and attached to this claim.
Product: Credit reporting or other personal consumer reports

I have been disputing a account with XXXX, XXXX, and XXXX concerning the World Acceptance Corporation account # XXXX and the world Acceptance corp has refused to comply with the FCRA and 15 USC 1681i and FDCPA in their response to the disputes according to all of the reporting agencies. World Acceptance response to a dispute of, in accurate information by simply certifying the information as valid without supporting documents/evidence does not satisfy the requirements of the FCRA, 15 USC 1681i , or FDCPA pertaining to how to respond to disputes and investigation of disputed accounts.
Product: Debt collection

In accordance with the Fair credit reporting act the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

On ( XX/XX/year> ) Midland Credit Management Inc opened a collection on my credit report. 

Account XXXX XXXXXXXX The amount is {$960.00} I have never signed any written document saying that I owe this debt collection. 

They are violating my rights of the FCRA as a consumer.

I do not know who they are and have no written consent from my end.

Also, they have not verified that I owe this debt to the alleged company.

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 person knows or has reasonable cause to believe that the information is inaccurate. 

Please have this removed from all three bureaus. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX Balance Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$910.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

There is a debt collection company by the name of DEBT RECOVERY SOLUTIONS reporting an alleged debt on my consumer reports. I, XXXX XXXX am unfamiliar with this debt. I was not given enough information regarding this debt, and I was not given the opportunity to dispute this alleged debt. The debt collection company is ruining my reputation per 15 USC 1692d ( 1 ) parking this alleged debt on my consumer report with all three consumer reporting agencies. This company is also giving off implications that they may be an attorney. A violation of 15 USC 1692e3. This company is also not licensed to collect in the state of Tennessee. A violation of Tennessee Code 62-20-105. This is abusive deceptive behavior. This company also has a name that indicates that they are in the debt collection business. This is a violation per 15 USC 1692f ( 8 ).
Product: Money transfer, virtual currency, or money service

I ordered a package sent funds visa cashapp asked about package from place/persons and was blocked. Went to cashapp requesting funds and told cashapp support was told there was nothing they can do and to try requesting funds form whom I was blocked by.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent items along with my statement ).
Product: Credit card

I set up a payment with Comenity Bank/XXXX for a payment to be deducted from my account in early XX/XX/XXXX for {$400.00} to be paid on XX/XX/XXXX. I noted a few days ago that the payment had not been deducted from my XXXX account. I checked back with the Comenity Bank web site and noted that I was now past due. I will be charged {$37.00} for a late fee as a result. {$37.00} is an exorbitant fee for a late payment. I spoke to a CSR and they said they could not remove the fee since I had already had one removed in the past 18 months.
Product: Debt collection

RE : Dispute of Derogatory Report from National Recovery Agency / ( BXXXX XXXX XXXX ) We received a letter/statement from National Recovery Agency ( NRA ) on XX/XX/XXXX dated XX/XX/XXXX stating that we had been placed into collection with them by a law firm ( XXXX XXXX XXXX ). We were the victims in a theft case that XXXX XXXX XXXX had been representing us in, but after closing the case we received a final billing that we are disputing. 

As per the instructions on their ( NRAs ) own notice dated XX/XX/2018we were notified that we had 30 days to notify them if this claim was in dispute, which we did by phone ( ( XXXX ) XXXX ). 

Directly thereafter, we again followed up ( by mail ) with NRA again stating that they were not to continue contacting us on this matter until such time as they had a valid claim ( such as a judgment against me ). We stated again that this was not a valid bill. This was done to NRA by U.S. Mail ( certified, return receipt requested ). They ( NRA ) received and signed for the letter ( copies attached ) on XX/XX/2018 again well within the 30 days stated on their own paperwork of XX/XX/2018 ( copies are attached ). 

In response to our certified letter, on or about XX/XX/2018 from NRA we received a copy of a XXXX XXXX XXXX billing summary, which reflect totals that we are contesting. ( copy of postmark and front page of document attached ). 

On XX/XX/XXXX we checked our credit reports, and found that NRA had placed a derogatory entry for collection against me with XXXX. It is our understanding that under provisions set forth by the Federal Trade Commission and other governing legal bodies this is not legal since this is a contested debt and neither XXXX XXXX XXXX nor National Recovery Agency has obtained a judgment against me. Furthermore, it seems National Recovery Agency placed this derogatory entry with XXXX  on XX/XX/2018 which is even before their original notice to me dated XX/XX/2018. This allowed us no time to inform them that this bill was being contested. 

Once again on XX/XX/2018 @ XXXX, I called NRA ( XXXX ) XXXX to discuss the fact that they ( NRA ) had illegally posted a negative entry onto my XXXX report. After much initial stonewalling by a Mr. XXXX, I was transferred to a manager XXXX. He stated that all I could do was forward my information to them via their attorneys email address ( XXXX ) and he then just hung up.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax and XXXX data breaches. I have noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Mortgage

They are trying to foreclose on my house with fraudulent documents A Affidavit of Notice and a revocation power of attorney was filed in the Real Estate Division XXXX county. They are using fraudelant documents to take possession of my home.. I asked for a judical foreclosure based on the PSA. I was in the process of a modification when they initiated the foreclosure which is a part of dual tracking and a violation
Product: Credit reporting

Update to prior cfpb dispute XXXX : I have received a final written response from Equifax Information Services LLC. The number of calendar days from US Postal Service XXXX Mail mailing ( proof of mailing attached ) to receipt of a response from Equifax is 39 days total. 
The true dates of first delinquency on these accounts are more than a decade ago, as these accounts were opened in XXXX. Moreover, the accounts have been paid in full for nearly three years. 
My XXXX prior requests for copies of my signed Consumer Disclosure Files ( in order to prove debt re-aging ) have both been disregarded and ignored, while a total of XXXX ( XXXX ) alleged missed payments are still being illegally reported in my credit file. I have provided scanned copies of my written requests dated XXXX XXXX, XXXX and XXXX XXXX, XXXX with proof of mailing for each hand-written letter. Equifax 's response does not even mention or acknowledge that I requested these documents, and the accounts have been erroneously " verified '' despite being disputed more than half a dozen times. This has been going on literally for years, trying to get these false and damaging inaccurate records either corrected or simply deleted. Please help!
Product: Credit card

On XXXX, my Avant mastercard was charged by XXXXXXXX XXXX XXXX XXXX  for the amount of XXXX  and on XX/XX/2023 my Avant mastercard was charged by XXXX XXXX XXXX XXXX for XXXX 
I have disouted the charge of XXXX  with Avant over 90 days ago. They placed a credit for XXXX  on my credit card and then reversed it. 
During the time the charge of XXXX  was actively being disputed, I received a new Avant card which I have not yet activated and on XXXX another charge from XXXXXXXX XXXX XXXX XXXX came through for XXXX 
My card is still being charged even though I have not even activated it yet.
Product: Debt collection

I contacted the company and sent them supporting documents that I was a victim of identity theft and I never attended XXXX XXXX school they we 're being Extremely rude I told them another company Had the account before I disputed it with them also and give them a police report and also to all three credit bureaus over the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payment reported for XXXX XXXX  I paid a large amount prior to the payment date. During this specific month I did not get any notifications of PAYMENT DUE. Clearly It had been paid. Historically I have paid on time. In addition to the Pandemic I was going through identification fraud via the IRS and State of California leaving me without any way to pay which is why I submitted a large amount to account for this issue and any other foreseeable issue. Due to the fact, I did not have a means of electronic payment and I only received a notification of being LATE and no NOTIFICATION of PAYMENT LATE, ONLY CHARGED A LATE PAYMENT Also, you will see it is accurate that a payment was indeed RECEIVED. I believe this is why I was not prompted to be SENT A PAYMENT DUE REMINDER - Why - Because I had made a payment. Unfortunately, I paid in that month and if it was not for the other issues along with Pandemic i would have paid it off. However, I still made my monthly obligation as noted per FCRA. I did not anticipate being chosen as a fraud error or verification of identification for both IRS and the state of California. All this was due to the fact I moved. Therefore, it was an absence of urgency due to the skeletal crew with business and USPS.
Product: Debt collection

I am a victim of identity theft. You are reporting a fraudulent account on my credit report. You are attempting to unlawfully collect a debt from me that I do not owe and is not mine. I have told multiple representatives that called me that I am a victim of identity theft and to cease and dismiss all forms of communication. That include reporting a fraudulent account to my credit report causing me emotional distress and financial burden. I demand that this account be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Credit Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number or other information to identify account : Source of dispute information : XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 



HARD INQUIRIES : Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX I have attached a copy of my identity theft affidavit. 



Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

I have advised Portfolio Recovery Associates, LLC that I am not obligated to pay a 3rd party on charged off account. I have asked them to remove my cell phone number XXXX from calling and they continue. 
This company is also reporting on my credit report as 30, 60, 90, 120 past due and the balance is same {$370.00}. I have asked them to remove these late payment marks because I am not within a contract with them only XXXX XXXX, they have refused to. I have my consumer rights and this company has broken them.
Product: Debt collection

Frontline Asset Strategies states on my credit report that this debt was opened on XXXX XXXX. This is a preexisting debt that was closed last XXXX This was done to further impair my XXXX XXXX in an attempt to get payment. This account has been closed for over a XXXX
Product: Credit card

NFCU there are multiple credit cards reporting on my credit report multiple times after the card has been charged off and I am willing to settle all my debts to correct incorrect information on my credit reports multiple times damaging my credit beyond repair
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : CAPITAL ONE BANK USA Account Number : XXXX Date : XX/XX/2015 Amount : {$2500.00}
Product: Debt collection

When I answer it is a recorded # telling me to press XXXX to be connected to someone. It is then directed to a voice mailbox. I have called them and left messages with the bankruptcy case # and the phone # of the attorney. They have disregarded that and continue to call me. Each phone call I block the number.
Product: Checking or savings account

I own a vacation rental property and a man named XXXX XXXX reached out to to me through XXXX and wanted to rent my vacation home. He said his company was paying so he needed to send a check. When I received the check ( from XXXX XXXX, XXXX in XXXX, TN on a Bank of America check ) it was for more than he owed and he asked me to XXXX the difference once the check clears. I electronic deposited it to my checking account at Bank of America, it showed cleared later that day and I sent the difference of {$2200.00} via XXXX to XXXX XXXX at email XXXX, which was also a Bank of America account. A few days later, XXXX said he had to cancel the reservation because his wife got XXXX and asked if I could refund the rest. I sent the remaining {$2200.00} to XXXX XXXX via XXXX at email XXXX which was a XXXX account I think. Several days later, I got a letter in the mail from my bank, Bank of America, notifying me that the original check was fraudulent. I immediately called Bank of America to notify them of entirety of the fraud however, the funds could not be recovered from the XXXX accounts as the accounts had been closed. I feel like Bank of America had multiple opportunities to protect me during this and failed to do so. They should not have allowed me to initially deposit a fraudulent check, it, especially because this was a Bank of America check. Once they were unable to retrieve the funds from the check, they should have notified me in a more timely and urgent manner ( i.e. a phone call, email text message ) than through the mail, which would have prevented me from dispersing those funds through XXXX. Furthermore, one of the accounts that I send the fraudulent funds to was another Bank of America account which gave Bank of America ample opportunity to recognize the fraud/crime and intervene to protect me. I recently met with two agents from the Department of Homeland Security because XXXX XXXX was involved with another fraud case they were investigating and they said that Bank of America should have done more to protect me and should reimburse me the {$3900.00} I have lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be removed completely from my credit report : XXXX - Date of inquiry : XX/XX/2021
Product: Debt collection

I 've been working with this " company '' since   XXXX   XXXX   ,2017  to pay off a loan the final balance was {$340.00 } (  original loan company  XXXX   XXXX   XXXX   ) the y set up monthly payments of {$60.00} which I made  XXXX  payment that came to {$240.00}. Everything was going smoothly, made my monthly payments time. Then on the  XXXX  of this month they hit my account. I was concerned and called the company ( spoke to  XXXX   XXXX .. if that is his real name ) and let him know that my account should n't have been hit till the end of the month. He informed me that the previous " agent '' that worked with me no longer works there and that he set up the payment. I asked "   XXXX   '' what is my balance, he stated that I owe {$190.00} but he 'll offer me {$150.00} which will be my last payment on the  XXXX . I thought about it and thought it was fair enough. Early Tuesday morning I got a bad feeling that I was going to be billed more than what I owe. I checked my bank account and counted the number of payments I have already made and made the conclusion that I owe  XXXX  instead of {$150.00}. I called the company back and spoke to this   XXXX   guy ( which is unprofessional ) and ask him why I am being billed {$150.00}. He stated that I made  XXXX  payments of {$50.00} not {$60.00} and there was a {$10.00} transaction fee. I was n't aware of this from the previous guy. I asked  XXXX   XXXX  why he told me before I owe {$190.00} when my balance from   XXXX   XXXX   XXXX   was {$340.00}. he told me There are interest charges!!! The original email they have sent me show that I owe  XXXX ! No interests included! I got mad and argued with him and told him that I googled the phone number and read negative reviews and demand him to give me their website. He spoke in a low tone like he knew that I have caught on. I cancelled my card that they have on file. I am afraid they will take more than {$150.00}. I do n't trust this company and the people that work there. Unprofessionalism and rude.I now know not to work with companies that are n't BBB accredited. I have the original email they sent me if you would that. I will NOT give them anymore money! Few of their phone numbers are  XXXX  an d (   XXXX   )   XXXX . The address I have found is  XXXX   XXXX   XXXX   XXXX  #  XXXX    XXXX    ny  XXXX . They still call and talk like I do n't know about the loan  XXXX   XXXX  and a   XXXX    XXXX  I believe. I 'm so fed up with them and so annoyed with myself to believe them. They will not get anymore of my money. The attachment is the letter they emailed me but I can not view it
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XX/XX/XXXXXXXXXX/XX/FHUT63XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$200.00} XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXXXX/XX/FHUT XXXX Balance XXXX {$0.00} XXXX XX/XX/XXXXXXXX Balance : {$1000.00} CONNS XXXX Balance : {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The status of limitations is up to report this repossession on my credit report should have been removed in XXXX yet still reporting in bureaus.