23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted once on XXXX/XXXX/XXXX by Diversified Collections Inc about a debt of {$98.00} that I do not owe. Supposedly the company that they told me i owed the debt was XXXX XXXX. I cancelled my account with XXXX on XXXX/XXXX/XXXX and they still billed me for XXXX XXXX which i paid on XXXX/XXXX/XXXX for {$31.00} I have called XXXX and they have not replied to my phone calls. I have already overpaid them {$31.00} for XXXX service they billed me which I didnt have. I need this to be taken further and taken off my credit report. -- Thank you very much-
Product: Bank account or service

Unauthorized hard inquiries by barley bank and XXXX I made no applications to either of these need them removed lost XXXX points on my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting delettion of Department of Educarion/ XXXX removed from my consumer report. XXXX, Equifax and XXXX had no written content from my and PER 15 USC 1681B ( a ) ( 12 ) in accordance with the written instructions of the consumer to who it relates. PLEASE ASK XXXX EQUIFAX AND XXXX TO PRODUCE A CONTRACT IN AFFIDAVIT FORM SHOWING I GAVE THEM MY WRITTEN INSTRUCTIONS TO FURNISH THIS CONSUMER REPORT WITH XXXX  ON IT.

I am requesting this be deleted from my consumer report immediately.

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my right AND for XXXX to be deleted from all 3 agencys, XXXX XXXX and Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXXXXXX XXXX XXXX XXXX XXXX. working on behalf of XXXX XXXX XXXX, signed for a certified letter of official dispute of their information of a collection account in the amount of {$19000.00} on my and my husband 's credit reports. The letter informed them that I was requesting validation of this debt pursuant to FDCPA and FCRA and corresponding local state laws. Competent evidence bearing my signature and showing contractual obligation to pay was requested as well. I also informed them that I was aware of the law and that they had 30 days to validate the debt, or the law required that they request that all reporting agencies delete the entry. After not hearing from them after 30 days and noticing that no notification of dispute was indicated on my credit report I sent a follow-up certified letter which they signed for on XXXX XXXX, 2017. This letter notified them that they were in violation of ( but not limited to ) FDCPA Section 807-8 and FCRA Section 623-b, and therefore I was demanding that the item be removed from my credit report, as required by law. I finally received information from them on XXXX XXXX, 2017, a full 55 days beyond what is allowed by law. In the letter, they informed me that I had 30 days from date of notification by them that the account had been placed with them to dispute the debt. However, I have never received such notice, they have failed to provide proof of such, and I was only aware of the issue when checking my credit report. On that same note, FDCPA states : " 809. Validation of debts ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer '' which does not excuse their legal responsibility to abide by the law in their reporting and validation when informed of formal dispute and request for validation evidence. I am also reporting them to the BBB today, as well as the Texas Attorney General before filing a small claims action.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt to address the ongoing issue. Despite multiple requests, XXXX been consistently denied access to my personal credit report by XXXX. They have refused to release any information regarding my credit history. Attached here with are supporting documents, including a copy of the letter I sent to the credit bureau, along with copies of my personal identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I would like to say that this is overwhelming to me already i have sent letters to all creditors that appear in my credit report that have inquire about me i have ask for them to prove to me that they have got my permission to get my credit report and 90 % of them are all online inquiries and i have not done none of them i also told them in letters to please prove to me its me or to remove the inquiry and they have not responded with proper documentation, and they dont want to remove them selfs only XXXX & XXXX removed them selfs this is hurting my credit reports CFPB please help me get a better responds. <P/>i have hire company such as XXXX & XXXX XXXX to get this issue resolved and no this creditors dont want to get out of my report.
Product: Debt collection

I received a letter from CMRE Financial Services , Inc., with the information on debt collection. 

XX/XX/year> - I sent a letter requesting information on the debt, as certified mail. # XXXX XX/XX/year> @ XXXX PST - I called CMRE Financial Services , Inc. to inform them that I had sent the letter, gave them the certified mail number, and asked them to stop attempting to collect the debt until I receive their written response. They confirmed that they would cease contacting me. 

XX/XX/year> - The letter was delivered to CMRE Financial Services , Inc. by XXXX, at the address they provided. 

XX/XX/year> @ XXXX PST - CMRE Financial Services , Inc. called and left a voice mail, attempting to collect the debt. 

XX/XX/year> @ XXXX PST - CMRE Financial Services , Inc. called to attempt to collect the debt. I informed them that I had sent a request for documentation, in certified mail, and have not received a response back. The operator told me that they had not received a letter. I told him they were calling me illegal and to not attempt debt collection until I receive a written response.
Product: Credit card

For weeks now I have been having trouble getting a satisfactory answer from Keybank. I have talked to many representatives both overseas and here. The web of phone lines I have had to go through to get a person to help me is amazing and not in a good way. Here is a brief synopsis of what I have been going through. 

On XXXX XXXX we bought a car for XXXX I wanted to charge it so we would get our points but the seller did n't take credit cards I remembered convenience checks from years ago and I remembered them being free. They were just sent to me without asking. 

On XXXX XXXX I called Keybank with questions and got an overseas representative, XXXX I asked her if there were any fees and if I could get my reward points She was very quick to get my information and send me the checks but I kept asking the questions. She answered in an accent that was hard to understand so I asked many times. 
She kept going and asking her supervisor I was not following her very well but thought I was asking the right questions ... over and over again I do remember saying So this is like using my card ... and So do I still get my reward points ... 
she would quickly answer me in broken English ... 

Then I get the checks in the mail ... I look it over and do NOT see anything that says Convenient check fee so we use the check Then I look up my online account and see {$150.00} charge for Convenient check fee and I received no points ... 

Looking over the Letter again I see on the back last line that no reward points will be given. 

Since I have talked to many representatives all saying they can not waive the fee because the representative I talked to, no matter how bad her english was or how fast she talked, DID tell me it was a XXXX % fee or XXXX. They all agreed the original phone call I made to get answers about the convenience checks ( and got an XXXX representative who spoke fast and broken english, and clearly reading things out of a book or checking with her supervisor ) did sound like I was confused and not understanding but the fact that the representative did tell me XXXX % fee covered their butts legally so they will not waive the fee. 

This fee was worded on the letter but as a " Balance Transfer Fee '' and not a Convenience Check Fee. How was I to know that? 

We have been good customers of Keybank for over 30 years and yes this was a mistake on my part for not hearing her say the checks have a 4 % fee which in my case is {$150.00}. But in my defense IF I would have had an english speaking representative help me this whole thing would have never happened. 

The original representative was XXXX and my case # is # XXXX I can not seem to get to speak with a person that COULD make the decision, in my city, who represents KeyBank. 
I have talked to XXXX XXXX XXXX XXXX and a few other overseas operator/representatives whose names I did n't write down Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : {$8400.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$830.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$3200.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$430.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$22000.00} XX/XX/2022 INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This banks are not allowing me to be able to to open up a bank account with them or any other bank because I am in XXXX thanks to this person or people that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems are reporting an collection account to my XXXX  and XXXX   reports. I've tried Disputing and telling them that I didn't authorize anyone to get an apartment in my name ( Someone signed a lease without my knowledge in a city more than 2hrs away from me ) I asked for proof that I signed my name or a copy of the ID that was used but they dont have that onfile, Just the application that was sent.
Product: Debt collection

I received a call from this business this evening from a Georgia number. I am assuming that this number is spoofed since they asked me to callback a completely different number. I was at work so I did not immediately answer. I later received a call from my mother who explained to me that they left a voicemail with an account number while informing her that this was a debt collection call. They left the same exact recording that I received which included an account number and the fact that this was a debt collection call. 
I called the phone number on the voicemail and spoke to a representative that was very rude and unapologetic. She said that she has just received my account but when I asked why they had called my mother they said that they had been trying to call me for a year. My complaint is that they not only are using harassing methods of contact, they are not giving me any opportunity to call back without first calling my family. As the operator said, they " just got my account '' so there was no reason to contact other phone numbers. Additionally, they are illegally leaving account information on my family 's voicemails. The company also threatened that the will no longer use " voluntary '' means of communication. I am not sure what that means but it is also illegal. Finally, when I advised that they no longer had permission to contact my family, the representative ( Mrs. XXXX ) advised that they have every right to continue contact with my family. Since they have already reached me, this is incorrect and illegal. Since the debt collector continued to talk over me I disconnected the phone call. 

I am attaching the voicemail that was left on my and my mother 's voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an account and remarks that does not reflect my report accurately. The account in question is an closed account ..XXXX/ XXXX XXXX XXXX with a closed date of XX/XX/2013, and remarks stating card was lost or stolen. I'm asking that this account be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I attempted to set up automatic payments on my target card, in XXXX my card was declined, when I contacted Target Card Services, the employee advised me that there was a mistake and the reoccurring payment was only for one payment. 

I advised them when I set this up, that was not explained to me, and made no sense. The employee I spoke to said that shouldve been explained to me and that she would remove any late fees or reports to the credit bureau, due to the payment plan not being explained to me correctly. 

On XX/XX/2020, I was notified by my financial expert, that there was a 30 day late reported to credit bureaus for XXXX. I immediately contacted Target Card Services, and spoke with the employee/supervisor XXXX. XXXX said she could not remove the reported 30 day late report, even if it was there fault. I explained to her that I was told months ago it would be removed from my account, and she said there was nothing she could do on her end.
Product: Credit reporting or other personal consumer reports

Sent disputes and they are just ignoring my request.
Product: Debt collection

Alleged Original creditor : XXXX XXXX XXXX Amount : {$600.00} Collections account opened : XX/XX/2019 Account has been disputed via XXXX  and XXXX   Debt is not mine. Company refuses to remove collections accounts from my credit report.
Product: Credit card or prepaid card

THEY ARE REPORTING LATE PAYMENTS ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax are not investigating my disputes. There are so many inaccurate reportings.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DOB : XX/XX/XXXX LAST 4 of SSN : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX , DC XXXX ATTN : Consumer Affairs RE : Personal Information Amendment To Whom This May Concern, With respect to Chapter 41 : 15 U.S. Code 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/XXXX, there is some inaccurate, not applicable, fraudulent personal information listed. This letter serves as an Initial attempt to have my personal information amended to what is correct and truth standing. Within 30 days from receipt of this letter, insured and tracked by USPS, the following information needs to be omitted. 
Please note upon completion of the request, a new updated copy of my consumer report should be mailed to the mailing address that you have on file... promptly. 

Omit the following names as my TRUE name can be verified on my supporting Identification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Omit the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Omit the following inaccurate phone numbers : ( XXXX ) XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removing the aforementioned information in a timely fashion. 
Without Prejudice, All Natural Inalienable Rights Reserved Sincerely, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

My payment is automatically paid thru my BOA account. Apparently the escrow amount went up and they notified my ex husband but didnt notify me, the one who makes the payment. I have never been late, but now since the payment was short because I wasnt notified, Im being held in default and this is affecting my credit report.

Because in NC the male is always listed first, they contacted him. I believe that since I am 100 % equally responsible that I should have also been contacted. They stated that they called him and then moved on to their next file. I have an immaculate payment history, and the exact same amount that I had been paying was paid on the same day as always. I also never asked them to send digital information, I prefer a paper bill. They said that is how they notified me of the escrow change. To make my correspondence digital, was done without my permission. I would have no reason to look for an email from them, as the payment is paid automatically every month. As soon as I contacted them, now all of a sudden Im getting text messages. Clearly they had my number, so I should have been called if something was going on with my payment. I would like to have this late payment removed from my credit report at all the bureaus. Its causing me to have a huge drop in my scores
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST US Treasury Department Address : XXXX XXXX XXXX, XXXX XXXX Account number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VI XXXX Dear Transunion I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter Sincerely, XXXX XXXX XXXX
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. 
XXXX. ) XXXX XXXX XXXX XXXX : # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX, 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 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 person knows or has reasonable cause to believe that the information is inaccurate.