23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX XXXX Technician replaced equipment at my home and left the old equipment there, the technician stated Fed X would deliver a paid shipping box I could put it in and send to the XXXX office. No box showed up XXXX auto charged my credit card {$460.00}. When I inquired why I had been billed for the equipment I was told I had to physically bring it to the office, I would receive a receipt and be refunded the {$460.00}. I returned the equipment and was given a receipt but was not refunded the money, I attempted several times to attain the refund over 30 day period without luck, in the end I disputed the charge through my credit card company. They in turn worked with XXXX and ended up reversing the charges, crediting my credit card the {$460.00}. Shortly afterwards I got a call from a collection agency trying to collect the debt. Then I spent the next 2 years dealing with them, they reported the debt to all three credit reporting agencies, then I disputed, the credit agency verified, and it was removed from my credit file. Then another collection agency called to collect the same debt, I explained and they still attempted to collect, sent them a letter requesting they validate the debt, never heard back from them. Now, XXXX, another collection agency, IC sytem is trying to collect, I have spoke to them on the phone and sent letters requesting they validate the debt and provide me the information. They are saying they have no record of my letters and are basically giving me the run around. I told the person on the phone they had bought a bad debt that did n't exist, she told me IC Sytem does not buy debts to collect on, that they only work for the original debtor. I told them I did not believe that because I have had and presently do have XXXX service, have never even been late on a payment, account in good standing. I think if there was a problem I would have heard from XXXX, seen it on my monthly statement, and if not paid my service would have been disconnected.
Product: Payday loan, title loan, personal loan, or advance loan

Klarna provided took my information via XXXX and gave me {$1000.00} worth of purchase power. 

I've been trying to make purchases recently well under my limit and they have been denying my right to credit. 

I have made on time payments for consecutive months and have no negative marks on my profile, yet I still can not make purchases and their customer service representatives has not provided me with any information regarding the reasons for denial.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts and addresses as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was closed and charged off but still adding late fee and interest to account and reporting late payment.
Product: Credit card or prepaid card

Bank Of America accounts, They reporting charge off in my credit report I tried to fix it but they denied, tried with bureaus, XXXX is deletes XXXX is deleted, but XXXX is not. Requested to validate the debt and received back just one paper which says account is been verified. Requested again detailed validation and again same letter.Over 3 years this account still under my name with 2 accounts total of {$1900.00} debt. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize theses company to pull my credit report XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX, & XX/XX/XXXX. I have filled numerous grievance about the matter but to no avail. I even send the paperwork to all three ( 3 ) reporting agencies, their reply is that the information reported is correct ; yet when I asked for proof that it's me requesting theses credits they reply it matches my credit filled, so all these inquired into my report has lowered my credit score and the agencies refused to remove theses inquired, even when I submitted the request I sent to theses company to remove their inquires for credit, because I didn't request credit from their companies
Product: Money transfer, virtual currency, or money service

My daughter transferred XXXX through XXXX on XXXX XXXX and I didnt receive it. Should called Chase and they said she would have to call XXXX. This happened several times before this
Product: Debt collection

In XX/XX/2017 I defaulted on a series of credit card payments due to severe health conditions that resulted in the loss of my job and income. I had to let my credit cards fall into default and subsequently collections. 

Since then my account has appeared to have been repeated sold to several different collection agencies and I have received a variety of different offers to resolve it, but due to the speed by which the companies have changed hands and all the varying amounts by which the account can be " supposedly '' settled I am at a loss for action here. I don't know whether or not my account is legitimately open for resolve or in fact if I am being gamed. As such I am looking for resolution or forgiveness, but before then it was recommended that I put forth this information to the CFPB. So that I could at the very least have some more pushing power with the " current '' collection agency. They've been pretty pushy and in the past my conversations with them have left me at a loss for actions. 

The current holder is XXXX XXXX XXXX? And the creditor XXXX XXXX XXXX. 

Can you please help me here?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided all three bureaus copies of my report filing from where someone stole my personal information and obtained credit in my name without my knowledge. To date the bureaus have not removed these items as clearly required by law according to my attorney. They have also not provided details of how they claim to verify these items even though we have requested these details several times now. 
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Fair Credit Act 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 

These are the accounts in question : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account XXXX XXXX. XXXX Account XXXX : XXXX
Product: Debt collection

Switched cell phone companies from XXXX XXXX XXXX to the sister company XXXX XXXX. When I switched Phone calls to XXXX  XXXX and XXXX XXXX XXXX were recorded for when XXXX XXXX XXXX again acted in deceptive manors similar to the actions of XX/XX/2016 by using deceptive trade practice acts, to encourage buying one phone and receiving the second free. XXXX XXXX General Counsel of XXXX XXXX XXXX admitted XXXX XXXX XXXX owed {$520.00} from the deceptive training they use to get extra sells. When I was switching from AT & T I knew such actions were to be aware of there for I covered my bases of which I can prove the statements made. XXXX XXXX XXXX has instigated this attempt to collect money that was not owed account XXXX XXXX XXXX is using this tactic to get even with their loss from XX/XX/2016.
Product: Money transfer, virtual currency, or money service

I am submitting this to formally express my concerns regarding XXXX mishandling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant problems with the platform. Despite using XXXX countless times and reporting the discrepancies, my financial institutions and XXXX have failed to investigate my claims adequately. I was informed that recovering the lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has neglected to protect consumers and allowed repeat offenders to exploit the system, where the users are vulnerable to scams.
Product: Credit card or prepaid card

I made payments to pay off my balance on Amazon card. Synchrony bank has held my payment for over 96 hours after I informed them I have been displaced due to natural disasters affecting my area and needed to purchase medical prescription. I spoke with account manager XXXX, if that is her name. She stated her supervisors name is XXXX. I asked her to give me Department that I could write to file complaints, she said she was unaware of any after working there 3 years. I asked her to contact my bank to verify the payment has left my account.
Product: Debt collection

Diversified Consultants is attempting to collect a debt from XXXX in the amount of {$2100.00}. I have received no documentation that I owe this debt and even if I did, the debt is listed as " opened in XXXX ''. I have had XXXX since XXXX. It appears that this company has reaged the debt in violation of FCRA. 


DIVERSIFIED CONSULTANTS Account number XXXX Recent balance {$2100.00} as of XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Original creditor XXXX
Product: Mortgage

They never gave me an application or loan number but they would have it under my SS # XXXX. I applied for a HELOC with US Bank a little over 90 days ago. They ran my credit. I gave them all the documentation they requested. I had a specific representative assigned to me for my contact through the process. Her name was XXXX XXXX. XXXX XXXX XXXX Mortgage Customer Specialist XXXX | XXXX. I was told via email that my credit income were all verified and everything was ready to go. They then sent their Certification of Revokable Trust Form that had numerous questions on it that had to be notarized by myself and my wife as we have revokable trust. I also had sent them the " certification of trust '' document from my trust as well. I am attorney for over 30 years. I understand the questions very clearly on US Bank 's " Certification of trust form. I filled it out four times, had it notarized four times. Three times the review team stated it was filled out " incorrectly. '' On the third time I requested that they point out what was wrong or at least the item number they were looking at. I was told, since this is legal document they can't tell me. I found to small errors on the first two which were inconsequential and not material I have no idea what was wrong on the third or fourth. I reviewed them several times before sending them back. They were property notarized, dated and signed correctly. The problem is every time I submitted the Trust Doc to them it took them ten to 14 days to get back to me that it was " incorrect '' but would not tell me what was incorrect so I could correct the issue, which for the life of me could not see an error. I was just told, ten days later after the fourth attempt the review team says it is still " incorrect. '' but refuse to point out to them what is incorrect. They have now closed their filed denied the loan because it has " timed out '' over 90 days. The delay was caused by their delay, and REFUSAL to simply let me know what was incorrect or what item they were concerned about. Without telling me what they thought was " incorrect '' I can't fix it when everything is correct when I look at it. I gave them every document they asked for. I was approved and the trust document was the ONLY hangup but would not tell me what was " incorrect '' so the application timed out.
Product: Credit reporting, credit repair services, or other personal consumer reports

They reported a loan payment as late when it was actually paid up ahead, it caused my credit score to go down 60+ points. It was fixed on the consumers report but not mine. I am a co-signer of this loan and the company never even contacted me in regards to the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, doing business for Great Lakes Credit Union, has repeatedly ignored payments I made since XXXX, XXXX, although I have checks showing they cleared the bank and a confirmation number for a payment made over the phone on XX/XX/2022, for the entire balance, including the payment from XXXX which they claim not to have received. This date ( XXXX ) I received notice that I still owe them money, have been reported " delinquent '' to the credit bureaus, and have not made any payments. So the payment I made XX/XX/2022, complete with confirmation number, has not been credited. At this point they owe me money for their misplaced XXXX payment, plus late fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to all three credit bureaus, XXXX, Equifax, and XXXX, on XX/XX/2020 requesting information be provided to me authenticating 3 collection accounts listed on my credit report, including contracts or service agreements that I signed, in accordance with section 609 of the fair credit reporting act. None of the 3 bureaus provided me any information, merely stating that they validated the authenticity of the reports. I would like to see the signed contracts as I believe these accounts to have been made fraudulently. I opened a new dispute through XXXX XXXX on XX/XX/2020 with XXXX with the claim of fraudulent accounts on the reports and again got no resolution, they merely closed the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am wanting to remove these two collection accounts that do not belong to me. The collections are from " XXXX XXXX XXXX ''. The two amounts are {$4000.00} and {$3400.00}. I have no knowledge of these collection accounts because they were not opened by me. I would like them removed! I also noticed another collection from XXXX XXXX XXXX XXXX. for the amount of {$930.00}. This is not mine as well and I would like it removed.
Product: Mortgage

Ditech has reported a payment with a code XXXX instead of a code XXXX on my credit report. It is preventing me from refinancing and has caused one of my credit card companies to suddenly lower my credit limit. This code XXXX stands for a bankruptcy or foreclosure. I have never made a late payment to them or anyone else. All of my other accounts report all code XXXX with the exception of Ditech. They told me upon calling them that they do not report my loan at all, yet I am looking at it on at least XXXX credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and XXXX is on there in XX/XX/XXXX I sent a dispute letter reporting this alleged debt. No response! I asked them to validate the debt and send me a contract that I have with them I never received anything. The nerve and audacity for them to add this to my credit report In addition they have not validated these accounts and theyre furnish inaccurate Reports this is a violation FRCA. XXXX is reporting incompleteness on the entire account. Account typos XXXX doesnt report anything while experian and XXXX reports its and open account. Funny how experian payment status says charge offf so how is this a charge off and open account? XXXX says its late 120 days. Account details for all bureaus are different. Balance is XXXX how do have a balance if the account is charged off. Number of months terms are different past due balance there should be no balance if its charges off right? Exactly.last reported date all are different XXXX has incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Comments are all different. Date last active all differ XXXX incompleteness experience has XX/XX/XXXX and XXXX has XX/XX/XXXX. Last payment all differ XXXX incompleteness experian incompleteness and XXXX has XX/XX/XXXX. 
Second XXXX XXXX reports incompleteness for entire report. Account type all differ each bureau. Balance it should be be a balance of its charged off. Number of months terms differ past due there should not be a past due balance if the account is charged off past due differ all three bureaus. Payment status all differ one Im completeness on charge off the other late 120 days. Last reported incompleteness experience XX/XX/XXXX equifax XX/XX/XXXX. Comments all furnished different date last active all differ. Date of last payment all differ. Account history incompleteness ( all differ ) XXXX have furnished inaccurate information!!!!!
Product: Debt collection

XXXX I started the account in XX/XX/XXXX. I had my XXXX debt down to XXXX before XXXX of XXXX. They took XXXX payments out then returned payments then closed my account permanently. They refused to send a bill so finally in XX/XX/XXXX I got bill for over XXXX. They completely restarted my account over an increased the credit them. But it said I owed I contacted them they sent me records 6 months later make it look like the account was opened in XX/XX/XXXX. XXXX they had not right to close account there was over XXXX in XXXXXXXX XXXX account Bank even XXXX the payment was withdrawal from their end and returned from their end. Then to start my account over increased credit but force me to pay a debt I didn't acquire at all. The account been permanently closed since XX/XX/XXXX. I can't an haven't been able to use the account since XX/XX/XXXX. I've paid the XXXX plus late fees plus now over XXXX in debt I never created. I'm not the only person who has had issues with XXXX doing this. A there seems to over been other complaints an possibly a law suit of things like this. I want the money back I've been forced to pay since XX/XX/XXXX on the XXXX debt I didn't create on a permanently closed account. I have old bills and other pdf proof on this account ( XXXX ) but its on a damaged phone i cant access XXXX. I have few item on new phone XXXX. I'd have to make copies and mail in proof.
Product: Debt collection

My first knowledge of this debt is when it appeared on my credit report. I don't recall receiving a debt validation notice within five days of this initial communication, as required by 12 CFR 1006.34, or the necessary validation information, including the name of the original creditor, the amount of the debt, and an itemization of the debt as required by 12 CFR 1006.34. I request that any negative information related to this alleged debt be removed from my credit report until the debt is properly validated, in accordance with 15 U.S.C. 1692g ( b ). I also request that National Credit System comply with all provisions of the Fair Debt Collection Practices Act and Regulation F, including providing the required validation information and ceasing collection efforts until such validation is provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Accounts ; # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX have violated my rights. To make things even worse, more than half of the accounts listed above were opened without my written consent. All accounts including ; but not limited to - # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX & # XXXX do NOT & have never belonged to me.In addition, after reviewing my full credit report on XXXX, all of the accounts listed above ( including the unrecognized accounts ) have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information. These accounts above have caused significant damages. In accordance with the Fair Debt Collection Practices Act. Debt XXXXollectors are not allowed to communicate with me under 15 USC 1692C15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
Product: Debt collection

JH Portfolio Debt Eq is trying to collect a debt of {$1100.00} this was included in a chapter XXXX bankruptcy in the State of Oklahoma XXXX District case # XXXX. They are reporting this debt to all 2 credit bureaus showing as an open account and the past due balance is due now. They are now calling me and harrasing me over the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my Sagestream credit report and attempting to dispute information that was not correct but the company did not respond. Sagestream wrote that they use date received from XXXX so I will be adding them to this complaint. I am attaching the disputed information to this complaint.
Product: Debt collection

On XX/XX/2019 I received a letter from MRS BPO regarding a debt to XXXX which I do not believe I owe. I responded, in writing, on XX/XX/XXXX to dispute the debt and to request that MRS BPO cease phoning me and communicate with me only in writing. To date I have received no written response or documentation to validate the debt or respond to my dispute but MRS BPO continues to make multiple calls to my cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.