23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collection was put on my credit report for {$810.00} from Enhanced Recovery Collections for XXXX XXXX. Ive never had an account with XXXX nor do I owe them this amount. Also, I called XXXX to see what was the reason for the charge. Since XXXX is owned by XXXX. They claim it was for an old bill of {$660.00} from XXXX XXXX, when I lived in XXXX XXXX. However, I dont remember owing them this amount and Ive never received any correspondence from XXXX XXXX XXXX XXXX XXXX XXXX Enhanced Recovery Collection in regards to this delinquent debt. Furthermore, it would be an old debt with XXXX that exceeds the statute of limitations in Alabama. Ive lived in XXXX since, XX/XX/XXXX and this was just put on my credit report on XX/XX/XXXX. Ive never received any correspondence from this company in regards to this debt the entire time. This is totally an unfair process in trying to collect a debt that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Debt collection

Wakefield & Associates I reported to my Credit Bureaus that I have a two medical debt from XXXX XXXX XXXX XXXX which is false, the of the debts are {$1100.00} Date open XX/XX/year> which is false and {$1200.00} Date open XX/XX/year> which is false. I have never received a medical bill from any Hospital/Doctor Office .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX  fail to follow the WA Deed Of Trust  Act ( DOTA ).    XXXX   XXXX   XXXX  illegal foreclosed upon our home of  XXXX  yeats after Chase giveup their trustee of standing. quality  XXXX   XXXX   XXXX   XXXX    XXXX   broke the Consumers Protection law of WA  State RCW 19.86 CP A. The federal law will void all court orders for lack of jurisdiction because  Chase  give up Their trustee of standing that was filed in public records  XXXX / XXXX / 2011 . The scans that I have provided show  XXXX   XXXX   XXXX  lack the power of sale under WA state Law.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year>2024 Credit collection services XXXX XXXX XXXX XXXX, Massachusetts XXXX Account Number : XXXX Dear Credit collection services, I am writing in response to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am requesting that you provide me with validation of the debt in question.

I dispute the validity of this debt and request that you provide the following information : 1. Verification of the amount of the debt, including a detailed breakdown of all charges and fees.

2. Verification that you are licensed to collect debts in my state.

3. Proof of ownership or assignment of the debt, including documentation showing that you have the legal right to collect on this debt.

4. A complete payment history, detailing all payments made and any credits applied to the account.

5. A copy of the original signed agreement or contract, if applicable, that establishes my obligation to pay this debt.

Please note that my request is not an acknowledgment of the debts validity. I am simply exercising my rights under the FDCPA to obtain verification and validation of the debt. Until such time as you provide the requested information, I am requesting that you cease all collection efforts and refrain from contacting me regarding this matter.

Please provide the requested information within 30 days of your receipt of this letter. Failure to do so will result in my assumption that this debt is not valid, and I will take appropriate action to protect my rights. 
Sincerely, XXXX XXXX
Product: Debt collection

I had XXXX XXXX on XX/XX/XXXX. They gave me a XXXX  to wear at the hospital. It was to big and it rubbed on my XXXX. 
I contacted XXXX and I went to 2 different locations at the hospital to exchange it. I finally had to go to the XXXX XXXX in XXXX. 
They didnt have a smaller one do they cut the one I had which didnt work either. 
So I never wore a XXXX so they were going to order a new one but insurance wouldnt cover a 2 nd one and I wasnt able to exchange my original one because they cut it. 
A month later they said they got the insurance to ok it and then they ordered it. By the time I finally got it I picked it up on my way to my appointment at the XXXX XXXX for my follow up. At that point they told me I didnt need it any longer. It was 6 weeks in between my XXXX and when I got it. 
I received a bill a month later and I called and the insurance never said they would pay. 
I called 3 different times trying to resolve this and they would tell me they would look into it and get back to me. Not once of the three times did they get back to me. I tried returning the XXXX being I never wore it. They wouldnt do that. 
I dont feel it was my responsibility to pay for something that I never was supposed to. 
I would like this resolved! 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax by certified mail requesting they provide proof of contracts between myself and the companies listed under collections on my credit file that are reporting negative information on my file. I requested to be provided with contracts between these companies and myself or for it to be deleted upon failure to produce said contract. This was my second request. They closed the dispute and said it was completed and information had been updated on my file. The first company listed on my dispute letter was XXXX XXXX in which Equifax has not provided any contract between myself and XXXX XXXX as requested. Equifax closed the dispute on this and listed the information has been verified and accurate. The second company is XXXX XXXX XXXX which is listed on my report twice in which Equifax has not provided any contract between myself and XXXX XXXX XXXX as requested. Equifax closed this dispute and stated the information I disputed has been verified as accurate and that changes unrelated to my dispute have also been updated. The third company is XXXX XXXX in which Equifax has not provided a contract between myself and XXXX XXXX as requested. Equifax closed the dispute and stated the information disputed has been verified as accurate however changes have been made unrelated to the dispute. I have attached the letter that was sent to them in which I requested proof of contracts between the above companies and myself or deletion of this negative information on my file, as well as the updates they provided.
Product: Credit reporting or other personal consumer reports

My Experian credit report is showing a charge off on a loan that has been satisfied Wells Fargo dealer services will not fix it. I believe it to be a clerical error and theyre telling me its not. I have paperwork proving that the loan has been paid in full provided by them, but it doesnt appear to be an actual lien release like Im used to seeing from other bank lenders. It shows up on my credit report as a charge off and it is affecting my abilities to obtain loan.
Product: Mortgage

For the past 4-5 months I've been using this mortgage company called Intercontinental Capital Group for a short sale mortgage. I have complied with every documentation they required and I still havent heard from them. I have sign closing disclosures, commitment letters, etc. and still we havent closed the deal. I have paid 3 appraisal, XXXX certificates ( 2 ), and they had me and my fiance go for a grant that still havent even been funded. This company has been giving me and my lawyer the run around and till this day we still havent been able to speak to someone about my file and if I really been denied the loan. I have emails, text messages from people in this company stating the deal will be closed and still nothing. Im really scared they used my personal information for their use. Please help me investigate this matter.
Product: Money transfer, virtual currency, or money service

I am an active user of Zelle dating back to prior when it was solely an app, rather than being linked to bank accounts. I expressed my issues to Zelle and myXX/XX/XXXX a numerous amount of times, but they never thoroughly investigated my claims. They informed me because i was using Zelle, once the transaction has been completed there is nothing they can do on their end. The CFPB indicates that Zelle neglects to protect their customers, as well as leaving users vulnerable to making scams allowing exploits. This is a huge issue when it comes to customer service.
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized and Duplicate Addresses from Consumer Report Dear Sir/Madam, I am writing to request the removal of unauthorized and duplicate addresses that appear on my consumer report. These addresses are not affiliated with me, and I ask that they be removed immediately. Additionally, the address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is being reported multiple times and should be removed completely. 

Here is the full list of unauthorized addresses for removal : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Reported multiple times, please remove all entries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, if any tradelines are associated with these addresses, I demand their immediate removal. 

Please send me a confirmation once these changes have been made. 

Thank you for your prompt attention to this matter. 

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

According to XXXX, XXXX XXXX XXXX said they had verified an outstanding credit of {$230.00} with XXXX XXXX XXXX XXXX. The debt is not my mine. I asked for a copy of a agreement with XXXX XXXX XXXX XXXX, bearing my signature, a copy of the XXXX XXXX agreement with XXXX XXXX XXXX granting right to collect on the alleged debt, and copy of XXXX XXXX XXXX state license as a debt collector. However, they will not provide proof of their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never consented to this information being furnished, and this infringes upon my right to privacy. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TRANSUNION XXXX / XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  via XXXX XX/XX/XXXX XXXX XXXX. 
XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 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 via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I got a payday loan to try to help bills due to medical needs. I was unable to work due to an injury and now struggling to make payments. I called Power Finance on XX/XX/year> and spoke to XXXX who would not assist with some kind of finance options and won't close the account to stop interest... it charges a really high interest rate and is very predatory and won't stop the {$35.00} a day in interest until I get back on my feet. I will never be able to catch up the way hey charge interest!
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan two years ago, I had never made a late payment that would require reporting nor did I skip a payment. At the beginning of this year I received an email from this company offering a hardship for three months, the terms were I would have to continue making my regular payment after the hardship ended and that whatI did, however it was never explained I would have a ballot payment at the end of the loan that would have to be pay all at once or they would report me to the credit. No was explained this steps for me, I was never late I was placed in a hardship via email and no one wants to take responsibility of the situation, they should have told me that I needed to make an extra large payment at the end of my loan and that the mature of the lion would not change. No one is willing to help the are rude, saying they are not changing the rules for me, saying they will not remove the negative reporting. I request this to be remove from my credit, they are not helping me
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$35.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$500.00}
Product: Credit reporting or other personal consumer reports

I recently disputed some late payments that are reporting on my account as to any " transactions or experiences being excluded '' from any consumer report. Therefore, I shouldn't have that information being displayed on my report according to the definitions and exclusions of the word " consumer report '' Persuant to 15 US C 1681 a Definitions : rules of construction ( d ) consumer report ( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Payday loan, title loan, or personal loan

In XXXX I opted to take out a loan recommended from my XXXX XXXX account. The loan was with a company called upgrade. I took out a loan with them and they never mentioned I was not going to get the entire loan amount deposited. So when the loan was deposited and it was not the full amount I called them. They stated they did not have to tell me over the phone that they were going to take out this sum of money because it was in the contract I signed. Recently I received a mailer on how I could save money on My loan with a company called new XXXX XXXX They apparently got my information through Upgrade who also works with a company called XXXX. But they said my credit was good and connected me with another company called XXXX and they wanted to charge me another big fee upfront to get a better interest rate than my upgrade loan. So upgrade is pretty much charging this crazy fee without telling me, then having other companies they work with, offer to save me money on a loan to incur another XXXX fee on me. Luckily I didn't fall for it but some people do and continue to move this loan around and continue to incur fees. If I had known about that fee on my original loan, I would of never did it. I was willing to move on after the original loan in XXXX and just say XXXX XXXX XXXX but when they tried to do it a second time, I have Decided to file a complaint.
Product: Checking or savings account

On XX/XX/year>, I encountered a financial loss of {$80.00} due to fraudulent activity ( regarding buying a shoe that never showed up to me ) on XXXX XXXX. I contacted XXXX XXXX 's customer service seeking assistance. During the call, a representative named " XXXX '' provided steps to recover my lost funds. However, " XXXX '' took advantage of the situation, manipulating me into providing sensitive information under the guise of resolving the issue. Despite spending two hours on the call, I was ultimately scammed by this individual posing as a legitimate representative. He stole from me XXXX dollars and now I am attempting to dispute all those transactions with my bank.So my bank blocked my card since in the circumstance that my account was XXXX and now they investigating the 3 cases that have been opened because of this. While the bank ( Santander ) told to wait for about 10 business days to see what happens, I would like assistance with getting all the money back.
Product: Credit reporting or other personal consumer reports

I checked my credit report and its showing two WRITTE OFF accounts both from MT Bank one was opened XXXX account XXXX, the other was opened on XXXX account XXXX, these accounts are reporting as negative accounts. I never received a 1099C form to be able to audit them and make sure they are in compliance. Not only are they committing tax fruad they are violating my rights according to FCRA 15 USC 1681 ( eb ) by reporting information that is not 100 percent accurate. I also never gave them written consent to furnish my information or obtain my information which makes this illegal according to 15 USC 1681 per the FCRA. I request that this account be removed immediately.
Product: Credit reporting or other personal consumer reports

Subject : Discrepancy in Credit Reporting by XXXX  XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding inaccurate information being reported by XXXX  XXXX to the credit bureaus, which is negatively impacting my credit profile. 

The issue at hand concerns a XXXX XXXX account that was paid in full and closed in XX/XX/XXXX. However, I have noticed that on my credit report, the account is being reported as having been " 30 days past due '' for both XXXX and XX/XX/XXXX. This is incorrect, as the account was current and all terms were being met until the account was closed. 

To clarify : - The account in question was current and paid on time through all billing periods up until it was closed in XX/XX/XXXX. 
- There is no record of the account being past due in XXXX or XX/XX/XXXX, yet these months are being reported as " 30 days past due. '' - This inaccurate reporting of " 30 days past due '' in back-to-back months is misleading and does not reflect the actual status of my account. 

The erroneous reporting of late payments is causing significant harm to my credit profile. The account was in good standing, and there is no justification for the reported delinquency during those months. The repeated reporting of these inaccuracies is damaging to my credit score and has a detrimental effect on my financial standing. 

I am requesting that XXXX XXXX be instructed to correct this misinformation and permanently remove any reference to " 30 days past due '' for XXXX and XX/XX/XXXX from my credit report. I would also like confirmation that this incorrect data has been completely and permanently deleted from my file, as it is causing undue harm to my creditworthiness. 

Please investigate this matter and take appropriate action to rectify this issue as soon as possible. I would appreciate a timely response and would be happy to provide any further information if necessary. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX