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

I went to the XXXX XXXX sometime in XXXX when I was diagnosed with XXXX XXXX XXXX. They gave me a monitor and did not tell me about a deductible that I had. Matter of fact they told me I only had to pay a copay of {$5.00} which I paid when I was seen. A few months later I get a bill in the mail from a collections agency ( with the wrong address on it ) about a debt that I had no idea of. When I received this letter I immediately called The XXXX XXXXr and paid the full debt, it was not settled. The XXXX XXXX never sent me any mail about this bill or attempted to contact me regarding said bill. The letter that they sent was to an incorrect address and I told them this multiple times. When I realized that I owed for this monitor I immediately paid the debt in XX/XX/XXXX XXXX I have my billing statement as evidence ). The XXXX XXXX said they do not have any type of information that this bill was paid, yet in XXXX they finally updated it. The XXXX XXXX have that I paid this debt in XX/XX/XXXX which is incorrect and is negatively affecting my credit. When I told their billing department this she said I should have updated my address, I have been at my place of residence for the past XXXX years therefore my address shouldve been correct because it has never changed. The person at the billing department told me that she would call the collections agency to update this debt and ultimately have it removed. When I spoke to her on XX/XX/XXXX she said there was nothing she could do and she was very rude about the whole situation. The collections agency also told me that they will not update this incorrect information. I have attempted to dispute the information as well. This has been an ongoing issue for over a year now. When I called the collections agency XX/XX/XXXX he would not listen, he was very rude and kept repeating that it is bad debt. I tried to explain to him that I paid this debt in full to the XXXX XXXX when I finally received the bill. We got off the phone without a resolution. They continue to update this debt on my report as if it has not been paid. They also have that it was paid XX/XX/XXXX when it was paid to the XXXX  XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Had no customer service representative to talk to when I had issues with Block , INC .
Product: Credit card

XX/XX/2023 Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing with regards per Fair Credit Reporting Act as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given CAPITAL ONE written, unwritten, verbal, and nonverbal authorization Per 15 USC 6802.

I kindly request that you acknowledge and respect my decision to opt out of any and all authorizations, as provided for by the FCRA. Please ensure that my decision is fully implemented and that any further communications or actions taken by CAPITAL ONE with regard to my authorizations are in line with my decision to opt out.

I expect that this request be processed in a timely manner and that all further actions by CAPITAL ONE adhere to my decision to opt out of any and all authorizations, as per my rights under the FCRA.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that my request has been actioned.
Product: Credit card

Said I needed a code to unlock my credit card and I never got XXXX. I cant use my card but continue to have interest charged let me use my card please
Product: Credit reporting or other personal consumer reports

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

I am unwilling to accept your attempt to diminish the significance of my identity theft claim as a mere error or a misrepresentation of crucial information. It is important to note that you lack the authority to determine what qualifies as a material fact ; you neither serve as a judge nor a jury, nor do you possess the capacity to render such judgments. Your right to do so is unequivocally absent. My distress stems from the fact that I have become a victim of identity theft, a criminal act that has inflicted severe emotional and financial distress upon my life. Regrettably, the response, or lack thereof, from your bureau has demonstrated a startling indifference to the urgency and gravity of my situation. Allow me to be unequivocal : I will not tolerate the apathy and indifference that I have encountered thus far. As an identity theft victim, I have endured the consequences of unauthorized accounts and transactions that have tarnished my credit profile and placed my financial stability in jeopardy. These repercussions have been profound, affecting my ability to secure loans, mortgages, and even employment opportunities. PLEASE DELETE THE 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is a account that I didn't open I believe that I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal removal They also violated my rights under 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.

15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} 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. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

If these accounts are not removed I will be reporting you to the BBB, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Product: Credit reporting

XXXX XXXX XXXX - XXXX accounts - is still reporting on my credit report and the accounts were opened back in 2007. I thought they were supposed to be removed after 7 years.
Product: Credit reporting or other personal consumer reports

Notice of Violations under FDCRA and FCRA Dear XXXX XXXX XXXX XXXX, I am writing to bring to your attention significant concerns regarding your practices, which appear to be in violation of the Fair Debt Collection Practices Act ( FDCRA ) and the Fair Credit Reporting Act ( FCRA ). The specific violations are supported by the following statutory references : 1. FDCRA Violations : 15 U.S.C 1692, Communications in connection with debt collection. 12 CFR 1006.30 ( a ) and ( b ), Other prohibited practices. 2. FCRA Violations : 15 U.S.C 1681 ( a ), Accuracy and fairness of credit reporting. 12 CFR 1006.6, Communications in connection with debt collection. Contacted XX/XX/year> at XXXX EST and XX/XX/year> at XXXX 12 CFR 1006.30 ( a ), Required actions prior to furnishing information. 12 CFR 1006.30 ( b ), Prohibition on the sale, transfer, or placement for collection of certain debts. 12 CFR 1006.26, Collection of time-barred debts. 12 CFR 1006.34, Notice for validation of debts. The Congress, in its findings under 15 U.S.C 1681 ( a ), emphasizes the importance of fair and accurate credit reporting for the efficiency of the banking system. It is crucial that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy, as stated in the legislative findings. The specific practices that raise concerns include, but are not limited to : Furnishing Information Without Prior Communication ( 12 CFR 1006.30 ( a ) ) : It has come to our attention that [ Debt Collector ] furnished information to consumer reporting agencies without engaging in prior communication with the affected consumers, as outlined in 12 CFR 1006.30 ( a ). Improper Debt Placement ( 12 CFR 1006.30 ( b ) ) : There is evidence suggesting that [ Debt Collector ] has engaged in the sale, transfer, or placement for collection of debts that have been paid, settled, or discharged in bankruptcy, violating 12 CFR 1006.30 ( b ). Time-Barred Debt Collection ( 12 CFR 1006.26 ) : [ Debt Collector ] has been observed attempting to collect time-barred debts and issuing threats of legal actions against consumers for such debts, which contradicts 12 CFR 1006.26. Inadequate Validation Notice Practices ( 12 CFR 1006.34 ) : Our investigation indicates that [ Debt Collector ] has not adhered to proper validation notice practices, as required by 12 CFR 1006.34, thereby jeopardizing consumer rights. I urge XXXX XXXX XXXX XXXX to review and rectify these practices immediately to ensure compliance with the FDCRA and FCRA. Failure to do so may result in further action. I request removal of alleged debt.
Product: Credit card or prepaid card

The account was opened with Micro Center and I was made aware because they mailed the card to my old address and the mail carrier knew us and put in our current mailbox. The card has Micro Center XXXX XXXX XXXX on it but the card was issued by Wells Fargo. I have called Wells Fargo and initiated a fraud complaint, I have called and frozen my credit at XXXX, and they told me the hard inquiry on my account was made through XXXX so I called them and also froze my credit. The rep at XXXX told me to report to FTC when I asked them to remove the hard inquiry.
Product: Money transfer, virtual currency, or money service

Re-claim # ( XXXX ) For the bank Re Claim # ( XXXX ) For the bank I am writing this letter to inform you why I am filing this dispute. In XXXX I hired XXXX, thinking that they were XXXX they misrepresented themselves to be XXXX  and charged me the same fee as real XXXX. To design custom home plan drawing, I paid {$4600.00} on XX/XX/XXXX as a deposit to get the work started. We went back and forth for several months, from the start it was very hard to communicate with this person after they receive the deposit the project was to take a month but due to not being able to communicate with this person it took a lot longer than I was told it would take but because I paid the deposit I still work with the hoping that we could get the results that I was expected and that I paid for. I also did a dispute in XX/XX/XXXX, because I could not get ahold of him. After the dispute was filed, I got his attention and he asked me to close the claim and he would do better communicating with me and the builder when we where ready to work, I was also told that service comes with several modifications as needed by the city or builder and the XXXX, that he would stay with the project until the building was completed. They also misrepresented themselves as an XXXX  I thought I was hiring real XXXX  He completes a draft and then told me I needed to pay the other half {$4600.00} on XX/XX/XXXX, I filed a despite with my bank I am told that its over the time for the dispute. I am still out {$9300.00} with nothing to show for it I XXXX upload an example of what I was expecting and what I received and what I should have received.
Product: Debt collection

I was responsable for four XXXX telephone lines. I canceled three on XXXX/XXXX/XXXX and left the remaining in care of my XXXX XXXX old brother, XXXX in XXXX XXXX, Tx. 
XXXX has sent me a notice of collection placement and is demanding immediate payment of {$550.00}. I was paying {$30.00} per line and have no service on three lines since XXXX/XXXX/XXXX. 
XXXX claims that XXXX never took responsibility for payment on his behalf. 
Please, advice what I can do.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have contacted XXXX XXXX, demanding that they report my account ( XXXX ) correctly with Experian, XXXX, and XXXX. 

Despite my paying my loan on time every month since XX/XX/XXXX ; XXXX is not reporting my monthly on-time payments correctly each month.
Product: Mortgage

My loan was being held by XXXX XXXX  and was deferred by the COVID Relief legislation passed by the US Government. after 18 months, we began the process of repaying our loan, and filing the paperwork to go through the legally allowed steps to move our deferred payments to the end of our loan period. At the same time our repayments started ( XX/XX/XXXX ) and the loan modification paperwork was started, our loan was transferred to Carrington Mortgage. We paid our payments every month as they tried to transition our payments and modification paperwork, and every month when we called they told us they were still trying to get the paperwork straight. In summer of XXXX I was in an automobile accident and my car was a total loss, so I went to replace my car. At that point, I was told my credit score was so low I did not qualify for a car loan. Without time to deal with tracing why and how, I bought a beater car. in XXXX, I went to pay my mortgage with Carrington and they told me I had over {$700.00} in late fees. The representative could not tell me what they were for. They claimed it looked like they had been there since before they took over my mortgage. The credit score the car salesman had pulled up said it looked like I had a foreclosure on my credit report. I assumed it was something to do with the transfer of my loan but had not had the chance to deal with taking hours of my day to deal with contacting a labyrinth of financial bureaus while working two jobs. by the next month, we had tried to make another payment but Carrington applied our payment towards the late fees we didn't owe and told us the only way to contest the late fees was to pay them, contest my credit score with all three credit bureaus, and send a letter to a po box with my credit reports, and wait 30-60 days for a reply. Today, when we had made a partial {$80.00} payment last night and clicked " pay towards principal '' in the app, they took all back fees and payments ( totaling over {$1500.00} ) they claimed we had owed out of the bank account, and refused to believe there was an issue with the app, overdrafting our bank account. 

When I pulled my credit report last night with the three credit bureaus, I discovered that it was Carrington that had misreported my payments as late up until the beginning of summer XXXX, as much as 180 days late. This would explain the XXXX point drop in my credit score, and the {$750.00} in late fees they are claiming we owe. We have never been late with a payment with them, ever. 

Every time we have called we have gotten a different story and have been put off to a different date with a different reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Barclaycard in XX/XX/2019 to update my address. Unfortunately it was not updated and I was over 30 days late on my Payment in XX/XX/2019. I contacted Barclaycard l, they apologized for the inconvenience and credited me the late fee of {$39.00}. They also said they would remove the 30 days late off my credit reports. I recently looked at a copy of my credit report and its still on there.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/ 2019, {$470.00} was sent to XXXX XXXX with the email address of XXXX via the XXXX App hosted by USAA bank. I purchased a dachshund puppy from a person who told me his name was XXXX XXXX from phone number XXXX. 

On XXXX XX/XX/ 2019, the alleged shipper with an email of XXXX called me from XXXX ( XXXX, NJ ) at XXXX XXXX  telling me that the puppy required a specific crate and demanded I send them {$600.00} ( only through XXXX ) or else the puppy would die. 

I told them immediately that no legit company would ONLY allow payments through XXXX and that this is a scam. They continued to attempt to persuade me but I said no way you people are awful and ended the phone call. The individual who promised me a puppy that I paid for has continued to harass me regarding paying for this fraudulent shipment of a nonexistant puppy which I found out this scam is common, unfortunately, and there is a website devoted to warning people, but unfortunately I learned that too late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

DEFINITION of Zombie Debt : I had internet service with XXXX and moved, I brought my equipment and closed the account ( XX/XX/XXXX ) and opened new account ( XX/XX/XXXX ) with XXXX at the new address, which I kept for 13 months ( XX/XX/XXXX ). The manager ensured that the account was Closed, and I never received any information that the old account was not properly closed in the XXXX system. The service at New Address was never interrupted for any reason ( such as Non-Payment ). I ended that contract ( with XXXX ) after 13 months and moved to another service ( XXXX XXXX XXXX ). 

In XX/XX/XXXX I received a letter from XXXX XXXX that I owed {$210.00} and it was reported to all ( 3 ) Credit Agencies. I hired a Lawyer and sent a letter Disputing the Validity of this Debt. It was Removed from ( 3 ) Credit Agencies shortly thereafter. 

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX that I owed {$210.00} and it was reported to all ( 3 ) Credit Agencies. I again hired a Lawyer and sent a letter Disputing the Validity of this Debt. It was Removed from ( 3 ) Credit Agencies shortly thereafter. 

In XX/XX/XXXX In XX/XX/XXXX I received a letter from I.C. System that I owed {$210.00} and it was reported to all ( 3 ) Credit Agencies. I was able to Dispute at ( 2 ) Credit Agencies, but ( 1 ) Credit Agency has marked the erroneous debt a Valid. I have AGAIN hired a Lawyer to Dispute the Validity of this erroneous debt. 

My Credit Score has taken an 86 Point Drop ( from high 700 's to high 600 's ). I was in process of making a major purchase, which I have now had to put on hold to correct these errors. 

The fact that Debt Collectors ( such as I.C. Systems ) will purchase bundled debt obligations without the previous Debt Collectors ( XXXX XXXX and XXXX XXXX XXXX ) scrubbing erroneous customer information is the Definition of Zombie Debt, it just won't go away. My attorney actually recommended that I pay a debt that I don't owe, but agreed that it might not be removed from my Credit Report.
Product: Credit card

I called Amex to day and I am being denied access. Someone opened a credit card under my name and SS. I dont know the XXXX digit pin or phone number to grant access. 

This is a fraudulent account and Amex is denying me access to clear up this account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 EQUIFAX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.