23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX turned over a {$35.00} final bill to Credence Resource Management LLC, Phone Number XXXX without sending me any notice of intent to send to collection. I am not disputing the fact that I owed the {$35.00} which has been paid to XXXX XXXX XXXX. My complaint is the improper contact and sharing information with someone else by Credence Resource Management LLC. They sent a letter to my son in another city, never mailed me a letter to my address that was provided to them by XXXX XXXX XXXX. My son called Credence Resource Management LLC. and they discussed the collection matter with him and told him they got his address by doing a skip trace, found his address and sent the letter to his address. Credence Resource Management LLC confirmed to my son that they had my address on file. but did not send the letter to me. I contacted Credence Resource Management LLC. spoke with a supervisor who identified himself as XXXX. He confirmed that the letter was sent to my son at his address and not sent to the address provided by XXXX XXXX XXXX which is my address.. I feel that my privacy has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive written XXXX, TransUnion, and XXXX about settlements I completed with proof and they still report the account. I wrote letters the entire XXXX. 

Collections have been added to my files when the agencies have not reached out to me or the medical bills are apart of a litigation. I submit disputes. No response or change to report has happened. It has been three months since the medical bills have been added and were not my obligation XXXX of XXXX a collection was added to my accounts that I had no knowledge of. 

They continue to report negative items without verification. The agencies continue to report items that were settled and taken care. No matter how many disputes I submit. 

I paid my credit card down in XXXX and for over a month the credit agencies reported a wrong balance. 

I sent letter in XXXX clarifying my current address and name and information I wanted to be on the report and information that is outdated removed. Nothing has changed. 

My fair trade credit reporting rights have been violated.
Product: Debt collection

See previous complaint w/ XXXX XXXX and XXXX XXXX . This time, Merchants Credit Assoc. has sent the request, with the correct account number and dates of service. However, as before, I paid this bill before XXXX sent me an invoice. I have no idea why XXXX sent this same matter to multiple collection agencies before they sent me a bill, especially since I already paid it. 

I got no response from XXXX through CFPB from my previous complaint, but they did try to call me with a robot a couple of times. I usually ignore it, but when I answer, the only option they give is to pay them over the phone what they think I owe.
Product: Credit reporting or other personal consumer reports

Heres the final version of the letter with the updated date : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Attn : Credit Reporting Department XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX Subject : Second Dispute - Request for Removal of Inaccurate Credit Report Entry Charge-Off and Account Closed at Credit Grantors Request Dear Sir/Madam , This is my second notice regarding the inaccurate reporting of my account. I am formally disputing the entry on my credit report for the account listed below : Account Information Account Name : XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Balance : {$19000.00} Balance Updated : XX/XX/XXXX Account Type : Credit Card Status : Charge-Off Account Closed at Credit Grantors Request Terms : On Record Until XX/XX/XXXX The entry on my credit report inaccurately states that my account was closed at the request of the XXXX XXXX and shows as a charge-off. While the account was indeed closed by XXXX XXXX XXXX XXXX, it is not an accurate reflection of the circumstances when it was reported as a charge-off. 

Under 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), all information provided to credit bureaus must be accurate and complete. This account was closed by the credit grantor, and the reporting of it as a charge-off is inaccurate. As a result, the incorrect reporting is adversely affecting my credit score.

In addition, under 15 USC 1681i, I have the right to dispute inaccurate information, and the charge-off reporting in this case is clearly incorrect. I am requesting the immediate removal of this account from my credit report due to this inaccuracy.

If this dispute is not addressed properly, and the inaccurate information remains, I may pursue legal action under 15 USC 1681n for willful noncompliance with the FCRA.

Please investigate and correct this error by removing the entry, as it is an inaccurate reflection of the accounts status.

Thank you for your immediate attention to this matter. I expect a response within the 30-day period required by law. 

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

I am hereby filing a formal complaint against Experian and XXXX XXXX XXXX XXXX An account was placed on my Experian credit report by a company called XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have no idea who XXXX XXXX is ; I have never dealt with or had any business relationship with XXXX XXXX ; and I have never opened any loan or any other account with XXXX XXXX. XXXX XXXX  erroneously placed an unsecured loan account on my Experian credit report in the amount of {$3100.00} and indicates that I have a monthly payment of {$5.00}, but no money has been removed from any of my accounts. I have contacted Experian on multiple occasions by phone that I wish for them to remove this erroneous XXXX XXXX  account from my credit report, and they have not done so. I have contacted XXXX XXXX XXXX XXXX by phone and they do NOT return phone calls. Furthermore, I have had a credit freeze in effect for many years, so I do not know how Experian could have allowed XXXX XXXX XXXX XXXX to place this account on my credit report. I am not the victim of identity theft as no money has been taken from any of my accounts. I simply wish for Experian to remove this erroneous XXXX XXXX XXXX XXXX account from my credit report, because as stated previously, I never had anything to do with or had any relationship with XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have XXXX hard inquires on my credit report and all but XXXX are actually mine. I have already submitted an FTC report and I would like these hard inquires removed from my credit report. According to the FCRA, I am eligible to have to unauthorized inquires removed.
Product: Debt collection

Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Creditor Classification Utilities Last Payment Date Date of First Delinquency XX/XX/XXXX I contacted the company and they confirmed that the account was not mine and that they would rectify the credit reporting error.
Product: Debt collection

I Would like to report this collection company that has damaged my credit for a very long time. I was a patient with ( Original creditor : XXXX XXXX XXXX ) She was my dentist. I am a full-time XXXX at XXXX XXXX and I have excellent dental and health insurance. I presented my dental insurance card to my dentist and I assumed that she would apply all the charges to my insurance and send me the bill if any.The front desk of the dentist office had all my phone numbers and my address I never heard from them. All of a sudden this collection company put this unknown bill on my account and I called my dentist, which is XXXX XXXX XXXX and told her that my insurance company was to pay that and I gave you my insurance card before you started the procedure. This collection company has damaged my credit for too long well I don't owe them any money and they did not send me a letter to let me know what the problem was so I could have resolved this issue before it was put on my credit report.This collection company also updated the balance this month which is incorrect and it is damaging my credit.
Product: Payday loan, title loan, or personal loan

This title loan is a predatory loan that I received while in financial distress. The loan is an interest bearing loan, where almost 90 % of my monthly payment goes to interest and only {$28.00} per month goes to the principal. My monthly payment is : {$270.00}. I lost my job due to COVID-19 related issues and I reached out to One Main Financial to utilize the unemployment insurance that they offered and I paid for monthly with my monthly payment. I was told I would have to go the unemployment office and get them to sign a form to submit to One Main Financial and also the employer I separated from would have to sign a form as well. All unemployment offices are closed to the public in North Carolina due to COVID-19. I feel as though they will not help me during my financial hardship. At this time I do not have any resources to continue to pay my loan. I called One Main on XX/XX/21 to discuss my financial issues and I was offered a two month deferment for {$140.00} per month which I can't afford to continue to pay.
Product: Debt collection

The correspondence began on Thursday, XX/XX/2020 when a relative contacted me stating that a XXXX XXXX from " ERC '' called them on their personal number about a " personal matter '' for me. The relative disclosed that they were not me and that, that was the incorrect contact for me. XXXX XXXX left a call back number. 

When I received this phone call from my relative I was puzzled as to what " ERC '' even was. Upon a XXXX investigation I discovered that " ERC '' was a debt collection agency. The relative has received more calls since then. 

This contact information was never used in the past or currently for me. 

On this morning, Thursday, XX/XX/2020, I received notification from XXXX  that a {$300.00} collection from " Enhanced Recovery CO L '' was added to my file. I'm assuming this is the same " ERC '' that contacted my relative on their personal number. 

I've done further investigation and concluded that this debt was from an old collection with XXXX that was removed from all 3 bureaus in XXXX of XX/XX/XXXX. It has now returned, but under a different agency. 

I've attached the screenshot of how it appears on my report. On my report, there is a contact number listed, but upon calling the number it is disconnected. Another inaccuracy. I finally found a working contact number, called the company to try to gain insight on why they are now reporting this on my file and the representative was highly unprofessional and constantly asked for my Social Security Number,  which I did not feel comfortable providing. 

I am asking that this information be disputed and removed as I am in the process of buying a home and it is hindering my progress and credit worthiness.
Product: Credit card

Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account truthfully reflects my history of on-time payments.
Product: Credit card

Consumer Financial Protection Bureau ( CFPB ) Subject : Request for Assistance with Denied Credit Applications To Whom It May Concern, I am writing to file a complaint regarding recent credit application XX/XX/year>, denials for both personal and business credit accounts from XXXX XXXX, Chase Banking and XXXX XXXX. These companies sent me denial letters referencing unspecified information from credit reporting agencies but failed to provide specific reasons for the denial. 

Under the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S. Code 1691 ), I am entitled to a clear explanation of any adverse credit decision. The ECOA mandates that lenders provide specific reasons for credit denials in a manner that is clear and detailed. 

Additionally, the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681 ) provides me with the right to know the exact information that led to this decision, including specific details from the credit reporting agencies that the lender used. Under the FCRA, I am entitled to request and receive a free copy of my credit report from the credit bureaus if my application was denied based on the information they provided. Furthermore, I am entitled to accurate, specific reasons rather than vague explanations. 

To further understand the basis for these denials, I request assistance in ensuring that XXXX XXXX and XXXX XXXX provide me with the specific reasons and details for the decisions, in compliance with both ECOA and FCRA requirements. 

Thank you for your time and assistance in this matter.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XX/XX/year> Experian
Product: Credit reporting or other personal consumer reports

XXXX XXXX who provides online, short term loans through their sister company DBA Opploans continues to falsely report a balance due on an old account. Further, the balance continues to grow even though the account was marked as charge off. I have disputed this account numerous times over the years via the credit bureaus dispute centers. Each time, XXXX/Opploans failed to properly validate the debt directly with me and overall failed to adequately respond to the disputes time and time again. However, XXXX/Opploans continues to update the credit bureaus stating the data reported is correct and they continue to report a growing balance on a closed account. An account can not be closed/charged off and continue to grow in balance and report to credit bureaus as if it were an active and open loan. Per FDCPA and FCRA regulations, XXXX/Opploans have failed to properly respond to disputes and failed to properly and timely validate an allegedly owed debt. Per regulations, the debt must be marked as unenforceable and uncollectible, furthermore any and all collection efforts or attempts must end immediately and the account and data must be removed from the credit bureaus. Failure to not complete these steps is in violation of Federal guidelines. I request that XXXX/Opploans promptly remove the falsely and unverified data from my credit reports, mark the account within their system as unendurable and uncollectible, and immediately end any/all collection efforts that may be in place. Failure to do so could be construed as fraudulent activity and/or harassment.
Product: Money transfer, virtual currency, or money service

XXXX of XXXX  I owed my sister, XXXX XXXX, {$130.00}. I went to send it to her through Venmo and I mistakenly sent it to her deceased son, XXXX XXXX, account. I immediately called Venmo but it went through already. I have been calling Venmo since this happened. They said I need to send a death certificate. I sent the certificate, then they said I needed to send one of these 3 things 1. Probate Court order appointing executor of the estate.

2. Estate Administrator Documentation 3. Letters of Administration XXXX  had no will and my sister was informed she didnt need to go to probate or name an executor. In other words these papers dont exist. I would like to know what else I can do to get my money back. Venmo has no answers for me. They keep telling me they need one of those 3 papers, which dont exist. Its extremely frustrating that this has been going on for almost a year. They told me to get back to them in a few years and maybe they will have a 4th option. This is unacceptable to me. Any help would be greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received several calls for XXXX XXXX with no message left. I called them and was told I had a balance due of {$130.00}. Paying this today would bring the balance off. I stated to the representative I never received any statement from XXXX XXXX since my purchase in XX/XX/XXXX. That my email addres and phone are correct, but no one has previously reached out to me or mailed me a statement. 
I made the payment on line using my XXXX card and paid {$130.00} at XXXX PM XXXX. The confirmation email I recieved confirmed the payment coming out of my account on XX/XX/XXXX. Email confirmation stated the next business day it would be posted XX/XX/XXXX, if I had paid before XXXX. I paid XXXX PST, which is XXXX XXXX EST. Well before the XXXX cut off time. 

I wrote a note to the agent on line, stating once again I never received the statement. Have always paid my bills in full previously. I have worked very hard to make everything is paid up on time. At XXXX PM the agent took off the {$29.00} late fee from the account. That leaving the balance at {$110.00} For some reason, then reversed my payment of {$130.00}. I would have had a {$1000.00} balance on my card. Instead they added {$40.00} in late fees on XX/XX/XXXX and {$3.00} interest on XX/XX/XXXX. 

Now I am told I owe {$150.00}, with {$61.00} past due on my account. I paid in good faith on XX/XX/XXXX this was settled. XXXX XXXX, its affiliated banks and XXXX XXXX have reported my lateness to the credit bureaus. I did what was asked to pay my bill in full. They choose to change the rules after doing so. I paid in good faith to clear up my account. I only just received a stated from XXXX XXXX on this new payment. I have written Experian and XXXX XXXX Corporate as well as the Inspector General of the US Postal Service, as I have had much of my mail not forwarded from a previous post office box in XXXX XXXX or my home to my new mailing address. I never recieved my ballots, and money orders missing in the mail. 
I have documentation to XXXX XXXX and Experian. New statement information on XXXX XXXX shows they reveresed the charges after I paid them and then billed me more late charges and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the item on my credit report it has been we'll over 30 days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard inquiries have been showing up on my bureau reports without my written authorization. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX are all companies that I did not authorize to pull a hard inquiry from the credit bureaus. The pre-qualifications were said to be 'soft inquiries '. There were no actual applications authorized and promises of no reporting were made verbally over the phone for XXXX XXXX XXXX. I do not have recollection of who the other XXXX companies are that are reporting : XXXX XXXX XXXX XXXX XXXX are reporting on Equifax during/after the FTC reported Equifax breach XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has removed 4 accounts that are in great standing and refuse to correct the issue. They continue to blame it on the creditor which is XXXX XXXX saying its their fault but its not because I spoke with them and they have not requested for those 4 accounts to be removed!! This bureau is horrible and refuse to do the right thing because is holding them accountable. Those 4 accounts are still on XXXX  and XXXX and they are also in great standing. This is a violation of the Fair Credit Reporting Act and need to be corrected.
Product: Credit reporting or other personal consumer reports

I disputed these 3 Accounts XXXX  XXXX & XXXX XXXX XXXX I disputed the accounts challenging its accuracy and completeness. The letter I sent to TransUnion, XXXX and XXXX are dated XXXX XXXX, XX/XX/2023 and XXXX XXXX. These three accounts are still being reported inaccurately by reporting three different Dates of Last Activity, three Different Last Payment dates and reporting Missing/Incomplete information such as NO Closed Dates that are being reported on CLOSED accounts. I have given the consumer reporting agencies chance after chance to correct the errors and update my credit report in which they continuously failed to do so. They continue to violate my rights under the FCRA by reporting false, inaccurate, erronoeus and misleading information even after I told them and presented to them facts of my concerns that I needed to be addressed. I have attached my previous dispute letters in an attempt to correct my credit report so I can finally be approved for a new house so my family and I can obtain a little more peace in our lives. Specifically my right under FCRA XXXXection 623 ( a ) ( 3 ) has been violated which says that If I dispute any information I believe is not accurate, then I have the right to do so and the Credit Reporting Agencies must not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. In this case TransUnion, XXXX, and XXXX failed repeatedly to enter the notice that I disputed the accounts XXXX XXXXXXXX & XXXX XXXX and purposely decides to report fraudulent information on my credit report.
Product: Credit reporting or other personal consumer reports

To whom may concern : I am a victim of identity theft the accounts listed below are not any companies that I have applied for credit from. They are all accounts opened without my knowledge or permission. They are fraudulent and need to be removed immediately. 
I have filed the proper documents with my local law enforcement agency as well as with the FTC. I am providing you copies of these items to support my case. So with all that I mentioned and the supporting documentation you must follow the law and remove these items. 

Fraudulent : XXXX XXXX XXXX XXXX - {$660.00} XXXX  - # XXXX XXXX {$7200.00} XXXX - # XXXX - {$8500.00} XXXX XXXX - # XXXX - {$5000.00} XXXX/XXXX  - # XXXX - {$10000.00} XXXX  XXXX # XXXX - {$75000.00} XXXX - # XXXX - {$770.00} XXXX  XXXX  - XXXX XXXX - {$15000.00} XXXX/XXXX  - # XXXX - {$2000.00} Thank You
Product: Debt collection

I have received numerous letters from A.R.M Solutions INC stating that I owe {$9.00} for a delinquent account from The XXXX. I entered into an agreement to receive limited issues of XXXX in 2014 ( estimated ) through a XXXX door to door donation special. Through my donation I was set to receive a specific number of issues of the XXXX. I did not sign up for or agree to receive any additional issues or extend my subscription. However, according to them and A.R.M. Solutions I owe {$9.00}. I believe this is an illegal process on the part of XXXX. Forcing me into purchasing additional subscription, without my permission or expressed willingness.