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

In accordance with the Fair Credit Reporting act XXXXt XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXXXXXX ( original creditor ) Account 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am XXXX plus days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 3 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Bank account or service

I had an account with us bank with my insurance payment being automatically deducted. I cancelled my insurance because I had I got a job that offered insurance. I also changed banks but did not close my US Bank account as I wanted to make sure everything was setup with my new account first ( bill pay, direct deposit, ect. ). Unfortunately I did not close my account and stopped paying attention to the US bank account. Due to a mistake by XXXX XXXX of Idaho they continued to bill my US bank account for 4 more months. A few months later when I finally realized what had happened I called US bank to see what I needed to do to resolve this issue. Us bank said they wanted XXXX check for every withdrawal and they still would not reverse any overdraft fees associated with the charges. I have been working with XXXX to get the money back but in the process US bank sent me to collections. My problem is that US bank charged me over XXXX in overdraft fees, extended overdraft fees and account closure fees. The ability for a bank to charge {$25.00} a week in extended overdraft fees for 6 weeks and {$36.00} for an overdraft fee on a XXXX overdraft is more then excessive. Now the bank says they can not do anything about it because is was sent to collections already. I have talked to multiple departments and even filed a complaint all the time being told there is nothing they can do to fix it.
Product: Debt collection

My inquiry involves a debt : Unknown, no information available from credit agencies or initial correspondence. 

The nature of my concern : Commonwealth Financial Systems sent me a letter on, or around XX/XX/XXXX alleging that I have a legal obligation to pay them a debt from one of their clients. Per the information provided in their initial correspondence I am undoubtedly confident that the debt they allege I owe is false, inaccurate, and made in bad faith as an attempt to collect on a false debt. 

I submitted a dispute letter via certified mail on XX/XX/XXXX to which Commonwealth failed to respond. Following their subsequent failure, I disputed their listing on my credit report, which was promptly removed for their failure to submit evidence of their claims to the ( 3 ) credit bureaus. 

On, or around XX/XX/XXXX Commonwealth has again appeared on my credit report without sending me a letter or a phone call which I am happy to validate upon request ; their fraudulent listing has since been disputed - again - as of the date of this complaint. I fully expect their fraudulent and bad faith listing to be removed from my credit report within the next 30 days. 

I kindly request that the XXXX take this complaint with my testimony above to investigate Commonwealth Financial Systems for their categorical abuse of the FDCPA and harassment of Wisconsin consumers.
Product: Debt collection

I have been repeatedly contacted by a company called Empire Mediation Services, but only refer to themselves as EMS. Their initial call was to tell me that I had taken out a payday loan in XXXX XXXX that I did not pay back. I asked who the creditor of this loan is and was told XXXX XXXX. When I asked what city and state this company is located in I was told that they do n't know. I asked how this loan was taken out and was told online. After telling the company that I did not take out a loan they told me if I did n't do something today they would sue me. I was told that the creditor had direct deposited {$300.00} into my bank account in XXXX XXXX. I indicated to the company that I never had a loan like this and they have the wrong person. I was then told that they hoped I enjoy getting court papers and being sued. I indicated that I do want to go to court with them so this can be cleared up. I have had numerous calls from this company with the same debt. I have been told that they will be filing charges with the court for defrauding a financial institution and writing a bad check. I asked them to please move forward with this process as I want to go to court with them. I have been given different dates that I supposedly took out this loan, with their staff switching between dates in one phone call.I have been told on one occasion that when the creditor had tried to cash my check they found that my account was closed with my bank. When I said that I have had the same account for over a decade, the reason for the check not clearing was non sufficient funds. I asked what the date was for this and received yet another date. I have not received the verification of the debt and creditor as requested. I have also yet to receive any court documents or notice of a lawsuit being filed against me as I was told would happen. I have looked into this type of scam with the Michigan Attorney General 's office and feel that this company is perpetrating a fraud against me with the intent of getting money from me that I do not owe. I have also pulled copies of all of my bank statements from 2 years prior to the earliest date this company claimed and 2 years after the latest date this company claimed. There are no deposits from any loan company or any direct deposits other than my own paychecks or verified agencies such as the IRS. There are also no incidents of NSF in this time period as claimed.
Product: Debt collection

XXXX keeps passing the account around to different collection agencys with a XXXX dollar amount when I have a voice mail stating I owe XXXX which I dont I closed the account and XXXX left it open after I called and canceled my account. I am not responsible for XXXX mistakes!
Product: Student loan

I have been entered into PSLF and began making payments from XX/XX/XXXX since today without missing payments ( all of my payments have been on auto debit ). My loan was transferred to XXXX different servicers since I began repayment. Somebody along the way changed my in school date from XX/XX/XXXX ( when I graduated ) to XX/XX/XXXX ( when I had already made a year of payments ). Due to this, a year of payments have been discounted from my PSLF. I called XXXX and they said they can not fix it.
Product: Money transfer, virtual currency, or money service

There was never a representative to speak to. My XXXX sent me money thru Cashapp that I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. *XXXX, XX/XX/2020. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Product: Mortgage

I have been trying to get in contact with Mr. Cooper for mortgage assistance and have never been able to obtain the help I needed from them. When I was injured on the job, we tried to make things work with what I was given on workers comp but I was initially given a loan with Mr. Cooper with too high of an interest rate. This left us with a monthly payment that was impossible to afford.

Once we were a little behind, it snowballed. Every statement showed more added fees, and no one would explain them to me when I called. We were switched around constantly between agents. No one would give us a straight answer. They asked for paperwork that we sent over and over due to them not receiving it. We have met deadlines and followed instructions, but Mr. Cooper continues to deny our file and threaten us with foreclosure.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding an urgent matter related to my credit report. I have recently discovered 14 hard inquiries on my credit report that were not authorized by me and appear to be the result of fraudulent activity. 

I have sent letters to each of the three major credit bureausXXXX Experian, and XXXXrequesting the removal of these fraudulent inquiries. However, I have not yet received any confirmation regarding the status of these requests or any resolution to this issue. 

These unauthorized inquiries are negatively impacting my credit score and, consequently, my ability to secure credit and financial opportunities. I understand that under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report, and I am keen to see these items removed within the prescribed timeframe. 

Could you please provide me with information about the process for resolving this issue? Specifically, I would like to know : 1. What steps are being taken to address my concerns?

2. Why have these items not yet been removed from my credit report?

3. What is the timeline for their removal? 

I appreciate your attention to this matter and look forward to your prompt response. It is my hope that these fraudulent inquiries can be removed within the next 30 days to prevent further damage to my credit score. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Kindly remove this to my credit report. This is causing me a lot of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to purchase a home and noticed multiple inaccuracies on my credit report, including fraudulent inquiries, accounts and addresses. I contacted XXXX, XXXX and Experian but they did not respond, nor correct all inaccurate information. I have called them and sent them dispute letters over a month ago. In pursuant to 15 U.S. Code 1681 they are defaming my character and now willfully continuing to report false information. 

The following addresses are inaccurate- 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 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 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

On ( XXXX ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I received a voicemail on XXXX XXXX, 2017 from XXXX XXXX w/ XXXX XXXX XXXX advising that she received documentation in her office w/ the name XXXX & her SSN. XXXX is a former coworker of mine. XXXX XXXX indicated on the voicemail that if XXXX did not contact them they would serve me and another former coworker. Today, X/XX/2017, while at work, I received a call from XXXX XXXX advising that I would be served if XXXX did not contact the party that sent the request to her office. She provided a phone number XXXX & case number. I advised her that I have never cosigned for anything of XXXX 's so I should not be listed. I called the number & was advised it is for American Credit Financial. They refuse to provide information to me.They only insist that XXXX call. They, American Credit Financial & XXXX XXXX XXXX, are acting in a very threatening way as the voicemail indicated they would attempt to serve me at my job & home. They refuse to advise if I was simply listed as a reference or if I am responsible for a debt. Please help because I can not make the debtor call when they clearly do not want to.
Product: Bank account or service

I opened a checking account for my company in 2012 hoping to get some business I spent on advertisement. A customer sends me a check from a closed account from another state other than Florida, then the bank closes my account and reports ASSUMING that I acted in concert with the guy who gave me the check. In retrospect I can see that I was being setup to no avail because I was not going to send anything unless the check cleared. 

I feel that I have been labeled without proof, besides they have testament of my ethical behaviour when they deposited {$3000.00} that did not belong to me and I called for them to remove the amount ( Because it did n't belong to me ) which eventually they did after 20 days.
Product: Debt collection

Johnson Mark LLC removed from my XXXX XXXX Checking account {$2700.00} and {$400.00} from my savings account Friday XX/XX/XXXX with no court order nor any notification to me that they were doing so. They wiped out my funds leaving me with {$300.00}. The credit card debt was from XX/XX/XXXX and I've never received any communications regarding this. After some investigating online I believe this is the debt : XXXX Filing Date Description Docket Date Filing Party XX/XX/XXXX XXXX - Application For Writ Of Garnishment XX/XX/XXXX XX/XX/XXXX RQW - Rel/Quash Writ Of Garnishment XX/XX/XXXX XX/XX/XXXX ANG - Answer Of Garnishee XX/XX/XXXX Garnishee Defendant ( 3 ) XX/XX/XXXX XXXX - Affidavit Of Service XX/XX/XXXX XX/XX/XXXX WGS - Writ Of Garnishment and Summons XX/XX/XXXX XX/XX/XXXX XXXX - Application For Writ Of Garnishment XX/XX/XXXX XX/XX/XXXX RQW - Rel/Quash Writ Of Garnishment XX/XX/XXXX XX/XX/XXXX ARJ - Affidavit : Renewal Of Judgment XX/XX/XXXX XX/XX/XXXX XXXX - Application For Writ Of Garnishment XX/XX/XXXX XX/XX/XXXX DJU - Default Judgment XX/XX/XXXX NOTE : XXXX PAGE CERTIFIED COPY FROM XXXX XXXX XXXX XX/XX/XXXX XXXX - Coversheet XX/XX/XXXX As you can see I have never been served. I wish to also make a claim against XXXX XXXX for allowing the removal of my funds without a court order. I will now have overdrafts on my account and payments that will be late due to this. The attorney office and XXXX XXXX should be accountable for this. I can not believe this could be legal!!!
Product: Money transfer, virtual currency, or money service

This complaint is regarding my personal account with email XXXX and my phone number is XXXX. My account was locked by an automated system without warning and I have been unable to access nearly all my money for two days. I made a mistake in trusting Revolut and moved almost all of my money to your platform right away. Because of this block, I have faced late and bounced payments fees, the inability to purchase necessities, and immense stress. I immediately sent in all the requested information via chat to the compliance officer and I did not get a reply or confirmation. I have not been able to contact anyone in more than 24 hours - the single point of contact you provide, in-app chat, is not responding to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to open bank accounts and obtain credit from several different creditors and have been informed that I have an Equifax credit freeze. When I check my Equifax account online there is no credit freeze listed on my credit report. When I call in to verify that there is no freeze they ask me to authenticate my account by uploading my drivers license and taking a selfie, after doing that they tell me that my account is not authenticated, and that I have to mail in my documents. After mailing my documents, they tell me that I don't have a credit freeze. But several different vendors have confirmed with me that Equifax has a credit freeze on my account. This has happened as late as XX/XX/2023. Equifax is either taking retaliatory action against me for participating in the Breach settlement or performing discrimination tactics against me. I want this issue resolved as soon as possible. I want the credit freeze removed permanently from my account.
Product: Debt collection

Selip and Stylanou LLP - XXXX XXXX XXXX demanding debt due now Im on XXXX due to medical reasons so my funds flow is very low.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number XXXX, has violated my rights. 
15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   as an account under my name and i do n't know about that account, it is not mine, it is affecting my credit score. I 'm a victim of fraud. On my credit report appears more account that i did n't know about and another phone number that is associated with my social security that is not mine. My phone number is  XXXX .
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police XXXX identity theft report ( XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX  XXXX XXXX  As required by XXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have XXXX days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

So we have had the payday loan with security finance in XXXX XXXX to for more than 6 months now and we are now working with a company called XXXX XXXX that helps with the debt. So the amount on the loan for security finance is roughly for {$1200.00} and I just don't appreciate that they are calling my job and also bothering my family members. I would like it to stop.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against XXXX XXXX  for Inaccurate Debt Collection and Fair Credit Reporting Act Violations To Whom It May Concern, I am filing a formal complaint against XXXX XXXX  for attempting to collect an inaccurate and inflated debt from me in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX is attempting to collect {$1400.00} for a daycare-related debt, despite the fact that I only ever owed {$600.00}. 

Additionally, I was never given an opportunity to dispute or verify the debt because the daycare provider provided XXXX XXXX with an incorrect address. As a result, I did not receive proper notice of the debt before it was sent to collections. 

This practice is unfair, deceptive, and unlawful for the following reasons : Under 15 U.S.C. 1681s-2, debt collectors and furnishers must ensure that reported debt is accurate and complete. XXXX XXXX failed to do so. 
Under 15 U.S.C. 1692g ( b ), consumers have the right to dispute a debt before collection efforts continue, but I was denied this right due to their failure to provide proper notice.

The incorrect amount being reported has negatively impacted my credit score and financial standing, despite the fact that it is not a valid debt.

I am requesting the CFPB to investigate XXXX XXXX for their failure to follow federal debt collection and credit reporting laws. Specifically, I request that : 1. XXXX XXXX cease all collection efforts until the debt is properly validated. 
2. XXXX XXXX correct or remove any inaccurate credit reporting related to this debt. 
3. The CFPB take appropriate action to hold XXXX XXXX accountable for their deceptive and unfair collection practices. 

I have attached supporting documentation, including any communication related to this debt. Please let me know if additional information is required. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

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

On experian, I m showing a XXXX XXXX, account XXXX, amount {$290.00}, collection account, that is not mine. I am requesting verification or validation of debt. I have no debt with this company. I am requesting that this account be removed or deleted off my credit report.