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

Some company called XXXX XXXX XXXX placed a {$140.00} delinquent account on my credit report XXXX XX/XX/2018. 
I owe no debt nor have I ever heard of this company. 
There has never been a phone or written communication between us. 
I looked them up and found a phone number which does not answer. 
There are numerous complaints posted about this company doing the same exact thing to many people. 
My credit score has dropped. 
Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me & I did not request anything from these companies.
Product: Debt collection

I am filing this complaint against Bessine Walterbach , LLP, and it's Agents, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX for the following reasons : 1. I was first contacted by Bessine Walterbach , LLP on XX/XX/18 about alleged medical debt from University XXXX XXXX XXXX XXXX, in which Bessine Walterbach , LLP claims to represent themselves as an attorney for University XXXX XXXX XXXX XXXX. 
2. I've requested Proof of Claim on multiple occasions but this debt collector, claiming to be an attorney, has not responded to my requests. 3. Although they have not sent me proof of Claim, now this debt collector is attempting to take me to court and pretend to represent the hospital. 4. This debt collector has had me served at my place of employment, giving the summons to a co-worker of mine, instead of mailing the summons to my home. 5. On the day of court, the case was not on the courts docket. 
6. This debt collector has entered a " Motion to Squash Service '' of summons and asking the judge if they can proceed, due to me not being served after Summons was given to my co-worker.

7. This debt collector has doubled the amount of the alleged debt to more than half of the original balance from {$1900.00} to {$4100.00} plus 0.9906 interest per day.

8. This debt collector keeps mailing me what looks like court motions but has NOT been stamped by the court.
Product: Debt collection

The amount of debt of {$4200.00} is not accurate. The company, Midland Funding LLC has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned, I do not owe this amount and deny their allegation. This has negatively impacted my excellent credit rating.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT FROM EQUIFAX DATA BREACH!

1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and FICO. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request.

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Product: Debt collection

There is an account in collections for Springs oaks capital LLC reflecting on my credit report. XX/XX/2021 I do not know who this collection agency is as I have never been in agreement to work with them, Please provide evidence that I have signed any sort of agreement with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent the following letter to Experian, XXXX and XXXX and they have refused to comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Account # : XXXX Effective XX/XX/XXXX, creditors should have changed the way they are reporting late payments. In light of the recent CARES Act, creditors should not report any late payments to the credit reporting agencies during the CARES Act period* to avoid harming my credit score. This change is temporary and applies ONLY during the CARES Act period as defined below. 

On XX/XX/XXXX, the United States Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to help Americans during this uncertain time. Among other things, the Act is designed to help protect my credit during the pandemic.

Based on this information about my rights and protections under the CARES Act please remove any late payments you have reported to the credit agencies ASAP.

* CARES Act Period- Requirements apply to certain consumer account payments made between XX/XX/XXXX, and the latter of either : 120 days after XX/XX/XXXX, or 120 days after the national emergency concerning COVID19 ends. 

Note, I have spoken with your company on several occasions alerting you that I was experiencing a hardship due to the pandemic and I also made a payment during this period and expressed my willingness to correct the problem. The following late payments should be reversed and removed from my credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

It took less than one minute to open account online. There was no option to make this a non recurring deposit. 
Information on how to close account, recurring nature, penalties was hidden in fine print. 
When I wanted to close the account I was told I had to do this within 7 days of maturity to avoid penalty. 
When I attempted to do that I spent 1.5 hours in the phone : 1. Main menu after wells fargo premier line offers 4 for time deposit. Connects to credit card. They attempted to connect me to the " right '' person. Resulted in being back in main menu, 10 minutes holds and XXXX information ( can only be closed in person ). 
2. After one hour I got to customer advocacy which took 30 minutes to close account 3. I believe this is close to or actually is entrapment : it is next to impossible to close the account if you are not persistent and have 1.5 hours during working hours. You have only 7 days after maturity or incur a3 month interest rate penalty. And it takes less than one minute online to open this account but like XXXX XXXX doesn't let you leave Wells Fargo should not be allowed to have this product if it is not as easily closed as opened
Product: Debt collection

I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent GULF COAST COLLECTION BUREAU certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. The identified transactions are not information related to any transaction by me the consumer. 

DELETE OR BLOCK THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DELETE THE FOLLOWING INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that OneMain Financial ran an authorized credit report on XXXX XXXX, 2019   without permissible purpose.

I sent OneMain Financial a certified letter on XXXX2019 requesting to contact XXXX, XXXX, & XXXX  immediately and have this inquiry deleted from my credit report file.  Certified letter was received by XXXX XXXX XXXX on XXXX/2019.

My request was ignored.  I am using Estoppel of Silence in my defense.  By law, OneMain Financial had a duty to respond but failed to do so. Therefore, this means that they agree with me that this inquiry was not authorized.

In addition, I am receiving constant emails from them.  I have unsubscribed to their emails, but I am still receiving emails from them. I am not interested in a loan or never have applied for a loan with them.  I need this to stop immediately as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the month of XX/XX/2019, apply for a loan at a bank in Puerto Rico. It was denied because an uncollectible debt of a Bank of America credit card appeared, which I had closed this account more than 10 years ago. I have tried to communicate with them to give me the details of the alleged debt I made at about {$6000.00}. They can not give me information by phone because they have no way of confirming my identity, since they do not use a social security number. I must present myself to a branch and in Puerto Rico there is no presence of this bank. This debt affected my credit, debt that I never had knowledge that I had because the account was closed, must have been fraudulent charges. The loan was not approved because it affected my empiric. Bank of America does not want to help me, I am XXXX years old and I have always had excellent credit, I am looking for alternatives to help me solve this issue. 
spoke with XXXX from Bank of America on XX/XX/XXXX. Also with XXXX and the answers have been that I have to go through a branch for account details because they can not confirm my identity with social security or address. The phone number that appears on the system is no longer available. I can't find what else to do, I'm very worried.
Product: Checking or savings account

After I paid another entity in full and closed the account there were payments still going out to the company. I contacted my bank and discontinued the autopay and thought the issue was resolved. Then the payments started again, I called the bank and was told that I did not have authorization to stop the autopay because they were set up under my mothers ' name who had been deceased for more than a year and I provided the bank with her death certificate to have her name removed from the account completely and was told that her name had been removed, now here almost XXXX years later they now claim she was never removed and I would have to return to the bank again and redo it. I have cooperated with them time and time again, only to be told there is yet another problem. My mother never authorized anything because she was in her XXXX and I handled any and all financial matters for the both of us. She was XXXX XXXX XXXX XXXX XXXX  and the only document she ever signed was at the very beginning of us establishing the account, that is all ever. I have been lied to repeatedly and for the life of me can't understand why they would intentionally inconvenience me in every way imaginable. Unfortunately this is a small city and they are XXXX of the very few banks here that is world wide, so those of us that have a life a somewhat stuck with them.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.XXXX  XXXX ; XXXX  XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, has violated my rights. 

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.
Product: Debt collection

XXXX XXXX XXXX had a debt collection that was reverse back to XXXX XXXX XXXX Card and then XXXX XXXX XXXX  card reverse it back to First National Collections Bureau. 

First National Collections Bureau contacted Them by phone. 
Told me if I paid the debt of {$1300.00} that it was not going to be removed from my credit report. 

The thing is to this First National Collections Bureau says after payment it still remains on my credit file as collections. 

I ask to how something all sudden pops up 4 years later out of no where to this account ending in XXXX there was no notice or letter or nothing on XXXX XXXX behalf on nothing in 4 years. 

Talk to some one from XXXX XXXXXXXX XXXX  name XXXX XXXX claim be his ID XXXX nothing else was very defensive to his ID number or last name one would think as big as XXXX XXXX XXXX  is just a name XXXX no extension number nothing. 

I ask to place the account in collections he refused told me to fax it to a number that is not even first premier bank. 

account in dispute due to in 4 years I'm not even sure this is my account and fraud has been done in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX has reported some incorrect payment information on my credit. Upon receipt and review of my credit report, I found late payment on the following date : XXXX XXXX XXXX   Account # XXXX has one 30 days past due as of XX/XX/2016The issues with this alleged late payment is that the payment was never late please see attached payment history and on time payment in the months in question. I have disputed this with the credit bureau and XXXX XXXX keep on verifying the information as accurate instead of following the Fair Credit Reporting Act and doing a complete validation of this inaccurate reporting by auditing their records and documentation.

XXXX XXXX The 30 day late reporting made by XXXX XXXX XXXX is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and obtaining credit. XXXX XXXX XXXX  has received payment in the month it reported me late.

What the attached proof of payment shows is that XXXX XXXX XXXX account was always paid on time and was never late. I have tried multiple times to have this incorrect reporting corrected by contacting XXXX XXXX XXXX  directly but XXXX XXXX  keep violation the Fair Credit Reporting Act and my right by maintain inaccurate information on my credit file The credit bureaus need to follow the investigative process described in the Fair Credit Reporting Act and do their job properly and require the creditors to provide actual proof of late pays. I am holding XXXX  and TRANSUNION responsible for not following the FCRA. In the absence of real proofs, the credit bureaus MUST delete this erroneous reporting. The credit bureaus have failed me in this respect, breaking the law, damaging my credit by maintaining inaccurate and unverified information on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to know that I missed the payment on my account due to my serious illness and hospitalization. The XXXX pandemic has significantly impacted my life, and I have faced various challenges because of it. I lost out on job opportunities because of the late payment remarks on my credit report, and I was unable to close on a home for my family as a result of this situation. This has been a difficult and stressful time for me, and I am feeling really XXXX  about the whole situation.
Product: Consumer Loan

I turned in my leased vehicle to the dealership , XXXX XXXX, and leased a new vehicle from them. Weeks later, XXXX XXXX stated i owed for damage to the turned in vehicle. Upon request they provided a damage report that was done weeks after I turned in the vehicle after they had driven the vehicle to a different state ( XXXX ). I sent them correspondence and they refuse to confirm receipt of the correspondence I sent and routinely contact me claiming they do n't have a written statement from me ... I will attach 2 letters that have gone unanswered : From : XXXX XXXX To : XXXXXXXXXXXX Cc : XXXXXXXXXXXX Sent : Thursday, XXXX XXXX, XXXX XXXX Subject : Attention XXXX XXXX XXXX XXXX, Per our conversation today, attached is a response to Chrysler Capital 's claim for damage dated XXXX/XXXX/XXXX. 

When XXXX XXXX called me on XXXX/XXXX/XXXX regarding this matter she was " unable '' to tell me if Chrysler Capital had received the letter and " unable '' to provide me with a method of sending her the letter. She stated only " upper management '' would know if a letter was recieved but would not put me in contact with them. 

Additionally , XXXX XXXX gave a copy of the letter to Chrysler Capital 's XXXX XXXX in person. 

I would appreciate confirmation of receipt of the letter. 

Thanks for your call, XXXX XXXX XXXX, XXXX Chrysler Capital XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Lease turn in XXXX XXXX XXXX XXXX Dear Chrysler Capital, On XXXX XXXX, XXXX I obtained a new XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, MI and during the transaction, turned in my XXXX XXXX XXXX in accordance with my lease agreement. The vehicle had no damage and XXXX XXXX took custody of the keys and secured the vehicle on their lot. 

Approx 1 month later I received a bill from Chrysler Capital for {$940.00} with the only explanation being " Excess wear and tear : Body Damage ''. Upon speaking with XXXX from Chrysler Capital on XXXX XXXX, XXXX I requested a detail of the damages and received same on XXXX XXXX, XXXX. 

The damages listed are from a report taken XXXX XXXX, XXXX ( more than 2 weeks after I turned in the vehicle to XXXX XXXX ) at a location in XXXX ( a different state more than XXXX miles from XXXX XXXX ). The report alleges damage that was not present on the vehicle at the time of turn in. 

Your request for excess damage is disputed and has been denied. Any attempt by Chrysler Capital to negatively affect my credit as a result of this un-supported claim will result in legal action for defamation of credit. 

I am currently driving my XXXX XXXX XXXX that I have either leased or owned. Through friends and family referrals, I am aware of numerous other Chrysler Capital former customers who have received what they believe are frivolous and predatory claims of damage to their vehicles from Chrysler Capital. Pending the resolution of this matter I will decide if contacting state and federal agencies regarding your company 's actions are warranted. 

Regards, XXXX XXXX XXXX XXXX XXXX, MI XXXX CC : XXXX XXXX
Product: Credit card

Target opened a credit card ( circle card ) in my name which I did not apply for or request. I have never agreed to apply for a credit card at the store or online or by phone or mail. The unsolicited credit card I received is not a promotion or a request to apply for a card but is an authentic card awaiting activation.
Product: Debt collection

In XX/XX/XXXX I received mail from First Financial Asset MGMT, Inc ( FFAM ) for an alleged debt owed to XXXX XXXX XXXX, XXXX FL office from XX/XX/XXXX rental total of {$400.00}. I contacted XXXX as any rental I made from them was paid at the time of the vehicle 's return to the company. XXXX location did not find any owed debt in their system and calls to their XXXX # yield no results. 

On XX/XX/XXXX, I received another collection letter from FFAM on behalf of XXXX stating I owed funds from a rental in XXXX, FL. On XX/XX/XXXX, I sent both XXXX and FFAM proof that I paid the rental charges and charges for future dates ( as they required I pay in advance for a few extra days ) to the XXXX, FL office on XX/XX/XXXX. At the end of the rental, I return the vehicle/closing out the rental at their XXXX XXXX office in XXXX, FL. The rental was returned in person to an XXXX associate, not a night drop. I was already paid up so no more payments were needed. 

On XX/XX/XXXX, I received another debit collection from FFAM with a copy of the original bill XXXX rental, completely ignoring the fact that I have provided written proof that the payment was paid to XXXX XXXX, FL location in XXXX. 

It seems there is an issue with XXXX XXXX and their XXXX, FL recording keeping, however, FFAM has proof of payment and has completely ignoring this proof and instead is continuing to harass me on behalf of XXXX. This process has caused me stress and time on an already paid debt. 

I am filing this complaint in hopes to have this stopped and FFAM and XXXX clear their records.