23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Renton Collections is attempting to collect an " owed amount '' for XXXX care. 

I explained that my insurance company confirmed that the amount sent to collections inaccurately included discounts that the provider had agreed to, and was working to resolve. 

In addition to being rude and aggressive, the agents told me that " in their experience '' my dispute was invalid and that I was wasting my time and that they would put this on my credit report. they said that if I went ahead and paid all or part while it was being reviewed that would be the best approach. I think this is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA mandates that consumer reporting agencies take reasonable steps to ensure the accuracy and privacy of personal information ( 15 U.S.C. 1681e ). If this information is found to be incorrect or unverifiable, I request that it be deleted from my credit report. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, XXXX, XXXX and TransUnion. I sent my disputes certified mail. None of these companies have responded.
Product: Debt collection

The third party collection agency name GCAB collections left threatening voicemails to myself and my family members about an old debt saying if I don't contact them they will come to my home and arrest me. How rude and to top it off this debt went to bankruptcy and they also have the wrong year I took the loan out. They should of called the place that I took the loan from first and confirmed the date I took it before calling and leaving nasty messages that were unnecessary. This is a Third party collection and had no legal right to call my family members. 

P.S. Loan was taken XX/XX/XXXX NOT XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I filed a police report and the police have charged the lady that was making fraudulent accounts in my name. This is not my XXXX 's account. It is part of my identity theft claim. Please remove from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived in an XXXX XXXX XXXX XXXX  Apartment for 3 years. All 36 rental payments were submitted on time. After I moved out they submitted a disputed amount, without contacting me at my then-current address, to a collection agency. The matter has been resolved with the agency - which never reported the account to any credit bureau/agency and which processed this payment before a bill was mailed - however XXXX ( Corporate Address : XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX  ) did not remove the disputed information from my Trans Union credit report. Instead they changed the status to Account paid in full ; was a Collection. The account should be reflected as closed onXX/XX/2018, the date closed is XX/XX/2018, instead it reflects an " Open Account '' status and a collection in XX/XX/2018. This one report from XXXX XXXX  has taken my credit score from XXXX ( high ) to XXXX ( current ) in less than 60 days. If my credit had not already been exceptional, this would be a devastating and highly punitive action. I hope that the reason that XXXX is not removing this information is not due to my complaints about toxic mold and a large hole in the ceiling during my move out inspection. I have now contacted attorneys about their failure to return my deposit, despite extensive pre-existing damage to the apartment.
Product: Mortgage

Bank of America requires in order to get a mortgage through them that you must open a checking account through them as well. In their online mortgage payment portal, two times now I have selected to pay my mortgage payment through my usual ( non Bank of America ) checking account and the website is defaulted to attempting to pay through my Bank of America checking account which has only a nominal amount of money. This results in an overdraft fee and the need to call them to reverse the payment. The technical support for the mortgage payment site ( B of A technical support ) told me they have encountered this problem from other callers as well. I am concerned that they are not fixing this bug in the website because it generates money from the overdraft associated with the mistake.
Product: Debt collection

Over the course of th e last 4 to 5 years I have been disputing an account with Wells Fargo Bank Auto. Rece ntly I have disputed this account with all  XXXX  bureaus asking for validation/contract that bears my signature and personal information due to me have a fraud alert put on my reports  in 2013. This fraud alert was due to me finding that several cars were registered under my name in cities and states I never lived in from previous years prior to 2013, my wallet being stolen that bared me and my families ssn cards out of my house ( police repo  rt was submitted to bureaus ), and SC have a breach with the internal revenue system advising all residents to a fraud alert. Wells Fargo no the bureaus have provided me with any documents showing this account was valid and belonged to me. Please have removed immediately. From what I have seen in the last year Wells Fargo is not an accredited bank and has already been in the media for creating false accounts und er account holders names. The balance on the account shows as {$0.00} not sure if someone paid this account or not. Also this company has sent me some documents wanting me to send in the police reports but did not provide any documents showing that I had a signed contract with them.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX. is falsely reporting a derogatory mark on my credit report despite my account being canceled years ago. I previously disputed this with the credit bureaus, but XXXX continues to submit false information, harming my credit score. 

I demand an immediate removal of this inaccurate report. XXXX has a pattern of continued improper billing despite customer cancellations.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I disputed a debt allegedly owed to XXXX with Transworld Systems , Inc. ( a debt collector ) on XX/XX/year>, by completing the form attached to the debt validation notice and mailed it back to Transworld Systems Inc. promptly the same day. At that time, the debt was purportedly {$330.00}.

Prior to disputing the debt with Transworld Systems , Inc., I repeatedly wrote and spoke with XXXX disputing the debt and requested documentation and an itemized statement evidencing that I agreed to the debt. XXXX did not respond and instead, sent the debt to Transworld Systems , Inc. , WITHOUT NOTIFYING Transworld Systems , Inc. that the debt was disputed. 

Today, I received a call from yet another debt collection company called XXXX and the debt collector said I owe {$700.00} to XXXX. I explained that I have repeatedly disputed the debt as it is not mine. Apparently, Transworld Systems , Inc. sold or placed the date with another debt collection company, XXXX, without notifying XXXX that I dispute and the debt and it is not mine. The debt collector also said I had to go to XXXX 's website to dispute the debt. My understanding is that if I disputed the debt in writing to XXXX and disputed the debt in writing with Transworld Systems , Inc. , there isn't a requirement that I go to yet another debt collector 's website to dispute the debt again.
Product: Vehicle loan or lease

I bought a car and the loan is through Bank of America. I set up my payments to withdraw {$250.00} every 2 weeks until I cancel. I am paying more on my car to pay it down faster. Yesterday I received a call that I am past due on my auto loan, to my surprise I didn't think this was possible. after digging into the issue I see Bank of America cancelled my auto drafts I had set up. I re-set it up so it will be correct, but because of them canceling it they are now saying I am past due. When I set up my auto draft I selected that this would go on till I cancelled it, I never canceled it, BOA did. Now I am getting collections calls. Late fees etc.
Product: Credit reporting or other personal consumer reports

these inquires appeared on my credit report i know nothing about! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I request validation of the debt reporting negative on my credit reporting from an agency, XXXX XXXX XXXX, {$970.00} acct # XXXX, who purchased the debt from XXXX XXXX original acct # XXXX XXXX XXXX XXXX XXXX, FL XXXX on numerous requests, last being XX/XX/XXXX. On XX/XX/XXXX I got a letter from XXXX XXXX XXXX of deletion they couldn't validate the debt, nor send me any information pertaining to this line of credit that they are reporting negatively on my credit reporting. I instructed and showed proof to all 3 major credit bureaus, as of today XXXX deleted it, however XXXX & XXXX still showing, they claim the creditor updated and all information is accurate and consumer still owes. I have no knowledge of this so called purchased fraud debt which XXXX XXXX is reporting. I also Filed with Federal Trade Commission as a result of this matter not being properly handled and Fraud was placed upon all 3 of my Credit Reportings.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

my name is XXXX XXXX property address is XXXX XXXX XXXX XXXX XXXX NY XXXX. I took a conventional loan back in XX/XX/2008 from suntrust mortgage bank .My loan number is XXXX. I was having financial hardship I approached the bank they offered me a loan modification ( document attached ) I was making my monthly modification payment for over a year. The loan was sold to another bank, suntrust mortgage bank told me my modification was forwarded to the new bank, for over 7 years the servicing of my loan had pass through multiple servicing companies and investors all of them refusing to honor the loan modification that i was approved for, everybody seem to blame suntrust for incompetent .it has been a nightmare for me and my family spending all of our saving on legal bill trying to stop XXXX XXXX- current servicing bank from foreclosed on our property Also there was a period nobody was servicing our loan means nobody to talk to. 
XXXX loan number XXXX attached my modification document plus some payment history please help us
Product: Credit card or prepaid card

Lend up / XXXX XXXX Last month I filled out an application for a credit card with Lend up credit card service, to see what kind of interest and the credit limit would be, I called and canceled immediately before the account was even opened, I told them I did not want a account with there services, yet they set an account up in my name with a credit card that was never used, never no money exchange to Lend up / XXXX XXXX or money to me. This is a scam to get people involved in there unfair credit habits and to take advantage of the credit consumers that try to build there credit. This company is a total scam. Please remove from all three credit bureaus as I never had a account with or paid any money to this company.
Product: Debt collection

HSBC has been a horrible lender and they have been the center of continual and repeated issues relating to how they treat their customers. I closed all my accounts with them and actually physically went to a branch to ensure all items closed and my home address provided. Instead, they allowed accounts to remain open so they could charge me overdraft and late fees. I think this is horrible way to treat a proactive consumer.
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The only open item is for an old credit card with high limit of {$1500.00} and Account #  XXXX . I had been paying on-time and monthly via my former checking account. However, since the checking account is closed, they refuse to provide me a monthly invoice so that I can pay. On over six separate occasions, I have requested HSBC submit a monthly invoice so that I can pay down the old credit card but they refuse to send me a bill. In the interim, they continue to report negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received an order form from XXXX  ( XXXX ) for an XXXX and XXXXXXXX XXXX XXXX, Being a XXXX year old woman, I don't have any idea what this is. 
In addition, it was to ship to XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. This is definitely not my address, but is the address of a hotel. 

Shortly thereafter, I received an email from Citizens One congratulating me on the purchase of XXXX XXXX and they had set up my account ( XXXX ). I discovered they had done a hard inquiry on my XXXX  credit report. I never authorized them to request this report ; nor did I request or authorized such a loan. 

I believe this is some form of a scam and I never received any merchandise and certainly will not be paying any money to Citizens One, Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

# 1... I had a debt from XXXX XXXX XXXX that was sent to XXXX XXXX and I paid the debt off over the phone with XXXX she stated they would flag it for removal and I also sent Equifax a dispute to have this taken off my report and when my 30 days were up the debt still remains on my report and shows not paid. I have reached out to XXXX credit in XXXX VA and she has stated that it has ben flagged last month for removal but Equifax will not remove it from my report. This is causing me a denial when I apply and they keep dropping my score I'm very disturbed by this matter and it needs to be fixed immediately. 

# 2 ... Also XXXX  XXXX  keeps reporting a bad debt once Equifax removes it they put it right back on there I am a victim of IDENTITY THEFT and this also needs to be removed and blocked from re-issuing on my report. these have been removed from my other reports from XXXX and XXXX, I need Equifax to be diligent and stop this I should not have to keep going through this every month. I have worked really hard on my credit and I refuse to let Equifax or a fraudulent person or company cause me any more hardship. 
I have filed a theft report with FTC AND A POLICE REPORT.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Debt collection

I have several accounts with this company MDS Medical Revenue Service DBA Medical Data Systems. I asked for validation of debt that they sent for each account i have with them and they only decided to not service one account which i am having a very hard time understanding why? 
I refuse to be belittled and talked to like i have no understanding. 
for the record the accounts that they seem to have is : XXXX XXXX XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX Acct # XXXX XXXX XXXX ( NO VALIDATION OF DEBT ) Acct # XXXX XXXX XXXX XXXX ( NO VALIDATION of DEBT ) Acct # XXXX
Product: Credit reporting or other personal consumer reports

Hello, Im writing this letter to request an update to the status of my account with Affirm. Please mark the following transactions as Paid as Agreed. The coding on the accounts shows up as " closed '' collection accounts even though they never went to collections. Please update the reporting as we are in process of purchasing a home and it is delaying the underwriting process. 


Loan ID Numbers : - XXXX - XXXX - XXXX - XXXX Thank you, XXXX XXXX
Product: Debt collection

Regarding an old debt with XXXX XXXX XXXX. ( XXXX ). Someone named XXXX XXXX contacted me 2 weeks ago, XX/XX/XXXX stating that he is a debt collector for Credit Control in XXXX Florida, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They are attempting to collect a debt in the amount of {$5700.00}, but that XXXX XXXX who charged off the debt in XX/XX/XXXX, is willing to accept a settlement amount of {$2800.00}. I asked XXXX XXXX to send me written information regarding the debt, and he replied that he will send me documentation after the debt is payed off. I have not received any documentation from Credit Control. Their contact number is XXXX. I called the number yesterday and today and asked to speak to XXXX XXXX but I was that XXXX XXXX no longer works at Credit Control, and that they want me to send them money but they have not sent me any documentation regarding the debt.
Product: Credit card

On XXXX XXXX, 2015, I ordered a specific flower arrangement as advertised on the website of XXXX with the understanding that my order would be processed on an express basis and delivered the same day. This did no occur. I tried to use the tracking number provided and that did not work. I attempted several times to call this vendor and resolve the matter. The call center turned out to be a joke. I suspected fraud. I did communicate to the company to cancel my business and promptly refund my money. This never occurred. I learned five days later that this vendor made a feeble attempt to send dead flowers in a cheap vase that I did not ask for or order. When I contacted my XXXX card issuer ( U.S. Bank/XXXX ) I was given a temporary credit. When I submitted all documentation to the fraud division, I was later told by ( XXXX ) that they do not get involved in customer disputes. In fact, he said he did not talk to the vendor at all. Astonished, I asked how this could be classified as an investigation? XXXX just kept to his script even after stating that I bought something that I did not receive. I then pursued by a phone call to have the matter escalated to someone one else. U.S. Bank personnel have been totally unresponsive. I even sent a faxed statement and request on XX/XX/2015 to their XXXX. No response. This is over a month now. I chose a credit card payment method vs. a debit card for more protection. My credit union would have resolved this by now. Not U.S. Bank. They seem completely uncaring. I do have accurate and complete documentation on this matter which supports this statement. I even provided the terrible reviews from other customers with similar experiences who lost their money by paying for something they did not receive.