23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As required by the Fair Debt Collection Practices Act ( FDCPA ). This company does not own the debt they are collecting for the original creditor. Therefore they have broken the federal law of 15 USC 1692 and they do not have the right to report on my credit reporting as they have reported on my credit reports ; XXXX, XXXX, and XXXX XXXX, please remind this company thats collecting for Progressive that doesn't permit them to failed to comply with federal laws, I provided in my letters. If Caine & Weiner doesn't own the original account they can not list inaccurate information under FCRA. Please provide supporting documents that specific they can legally report on my credit bureaus reporting. If this information can not be provided I asked this account to be immediately deleted. Caine & Weiner have been aggressive with not following 15 USC 1692 ( a ) 15 USC 1692 ( c ). I am going to continue to dispute this account until it is deleted. Please have Caine & Weiner reframe fro reporting on my credit report until they can provide a legal validation letter that they can report on my credit reporting.
Product: Debt collection

In the beginning of XXXX between XXXX and XXXX, I sent payment to my Walmart Mastercard using XXXX bill pay. Then when I received a notification that my payment was late I checked my account and noticed my payment went into an old store credit card for Walmart Stores use only. I did not owe anything on that the Walmart store card. I called the credit card services to fix the payment and asked why it was processed that way, and they let me know it was a glitch and they would adjust it. I received a statement from them with the comments that it was adjusted, however, they still charged me a XXXX dollar late fee. Again, the following months when I would pay my Walmart mastercard, the payment would keep going to the old Walmart credit card. The representatives said they would said a letter to the credit bureau and let them know that it was an error and it would not affect my credit. Months later it continued to happen and I started getting collection calls in XXXX. I asked the company for the statements that would proved to me that I swiped a Walmart store card and the date I " spent '' the {$200.00} dollars they claim I owed them and I would pay it with no hesitation. What I got from the company was that the they could not get me the statements. When I tried to log into my account to retrieve them, the statements had to be requested via email so they were no longer available online. I kept explaining to them that this is fraud and that I do not have a Walmart store card, that I only have a Walmart mastercard which I always pay on time. They told me they would look into it, but i kept getting different collectors calling me about paying this amount. This is fraud and I would like for it to be investigated. I do not owe XXXX/WALMART any amount of money. My account is with Walmart Mastercard. No where on the statements I was able to locate did it show that I used the card for a purchase.
Product: Credit reporting or other personal consumer reports

Please delete and remove these inquiries. My information may have been impacted by XXXX data breach and my identity has been compromised which has made my sensitive personal information vulnerable. I have no open account ( XXXX ) with any of this company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, I have NEVER been associated with the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is listed on my credit report. 

Per, " 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information the information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer. In addition, I did not give written permission to have these accounts furnished XXXX my report. This information is inaccurate and I am demanding a correction to my credit report by this item being deleted and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX XXXX a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. XXXX XXXX is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my GOD given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX XXXX, and I am dispute to dispute the fraudulent items listed on my credit report. I recently received and reviewed a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} AXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year> and notice some things are incomplete and not accurate. and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 use 1681 ( e ) ( b ).

And according to 15 use 1681fi 5 they are supposed to dp this ( 5 ) treatment of inaccurate or unverifiable information.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Bank of America mortgage We have been trying to pay for one month deferral on our mortgage, because we are refinancing with a much better rate and the new mortgage company wants us to pay for the deferral payment before funding. I have contacted BOA and have been on the phone with them for more than 20 hours in a period of 2weeks. They have taken my money that was promised to be posted to deferral payment and posted it against my next month payment. Now they are saying they might not have a way to pay for the deferral until the end of your loan period, They have fill out numerus request form to fix this issue but it has not happened yet. PLEASE HELP XXXX and XXXX these are the escalation numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX 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

TransUnion XXXX XXXX XXXX is reporting incorrect balance amount on my credit card. Transunion is reporting i have a balance of {$220.00} but my account online states i have a {$0.00} balance.
Product: Debt collection

I called and they basically didnt tell me what i owe them XXXX for
Product: Debt collection

I continue to receive emails from Truist Bank who I have never had an account with. When the recovery dept finally took my call they advised I had a written off debt from XXXX that was opened and closed the same day. They then confirmed all my current contact information. Address, phone, and email and advised it was updated to XXXX XXXX in XXXX. I questioned why they have still been collecting personal data on me 16 years later and she could not explain or tell me what the account originally was.
Product: Student loan

I currently have 100 payments counted toward PSLF forgiveness of my Federal Student Loans per my servicer MOHELA as a result of submitting a TEPSLF form to my former servicer XXXX  on XX/XX/XXXX. I have submitted an additional employment verification form to MOHELA on XX/XX/XXXX for this year hat would add 11 additional payments toward PSLF loan forgiveness. It has not been processed as of yet. 

Additionally, the US Department of Education also announced that Forbearance periods now count toward PSLF forgiveness as well & that a one time recalculation of past payment history is to be done by the Department of Education that will include forbearance periods as qualifying payments toward PSLF forgiveness. 

I have tried calling MOHELA to get them to process my most current XXXX employer verification form 3 times last week and to explain that my loans were effectively paid up because of the forbearance change and demand that my loans be forgiven, but the wait times exceeded 5 hours - effectively not taking the call. 

I also submitted a complaint to the Federal Student Aid Ombudsman asking for them to intervene and get the US Department of Education to update my payment history with qualifying payments during forbearance periods and get MOHELA to process my XXXX employee verification form and forgive my loans as I have more than 120 payments. They responded by sending me an email stating that PSLF is eligible to direct loan borrowers only - which did address my complaint at and offered no resolution. 

I am entitled to forgiveness of my student loans as I have 100 payments counted already, 11 to be counted as part of my XXXX employer verification form and an additional 24+ payments that should be counted as I was in an administrative forbearance since XXXX as I have a Borrower defense to repayment claim pending at the XXXX Department of Education that has still not been resolved.
Product: Debt collection

In XX/XX/XXXX, I cancelled my XXXX  account and requested a final billing statement. On XX/XX/XXXX, I received a final billing statement for {$140.00}. I made three partial payments : {$40.00} on XX/XX/XXXX ; {$50.00} on XX/XX/XXXX ; and {$50.00} on XX/XX/XXXX which paid the outstanding balance in full. I received no interim or further communications from XXXX. 

On XX/XX/XXXX, I logged back onto my online account and noticed a charge for {$30.00}, but there was no explanation for the charge. I immediately paid the balance, even though I had no idea what the charge was for or why I " owed '' it. All of the equipment that we rented or used was immediately returned to XXXX upon the termination of the contract in XX/XX/XXXX. 

In XX/XX/XXXX, I became aware of a collection debt on my credit report relating to a {$50.00} outstanding debt owed to XXXX/XXXX. The debt was immediately disputed with all 3 credit bureaus and the collection agency ( Diversified Consultants ) and I provided proof of the XX/XX/XXXX bill along with my proofs of payment as well as the additional {$30.00}. As of this writing, Diversified Consultants refuse to remove the debt or provide me with an itemized billing statement explaining the additional {$30.00} and {$50.00} charges. 

I am still able to log into my XXXX account. There are no bills issued after XX/XX/XXXX. The final " bill '' I received on XX/XX/XXXX was simply an email stating that I owed {$140.00}. I have not received any communications ( electronic or written ) that I owed any additional monies other than the initial {$140.00}.
Product: Mortgage

During my bankruptcy in 2011 my debt was never reaffirmed by my lender on my home loan by my lender XXXX XXXX  who then transferred this loan to SPS Servicing with this action none of my payment history is been recorded on my home loan over the past eight years most lenders dont even recognize me because it doesnt show that I actually have a home loan Thus this has made it impossible for me to refinance or get a different type of loan with a lower interest rate other than the one thats being provided by my servicing company at present therefore im in able to access my equity this has been going on for years
Product: Credit reporting

I have XXXX accounts with XXXX with account numbers XXXX and XXXX. These accounts are closed and have a {$0.00} balance. They were both included in a chapter XXXX bankruptcy that was filed on XX/XX/2011, with reference number XXXX. Both accounts have a negative mark as '' failure to pay '' in XX/XX/2011. Under The Fair Credit Reporting Act, these accounts should not have any negative marks from the date of the filing date of the chapter XXXX bankruptcy.
Product: Credit reporting or other personal consumer reports

My credit score is reported as XXXX but Experian. The correct score should be XXXX ( XXXX ) or XXXX ( XXXX )
Product: Credit card or prepaid card

I submitted a dispute to Barclays Bank Delaware due to a fraudulent account being opened by a prior employee which gained access to all business and personal financial information. Included was a report I filed with Identitytheft.gov, Credit reporting companies that currently had the information on file and a dispute letter written explaining the details of the identity theft. On XX/XX/2018 XXXX responded in a letter stating " We believe the information is accurate '' and are reporting the account as " charged-off-sold with a {$0.00} current balance. I would guess the information would be correct beings I was a victim of identity theft. Please help resolve this issue. This is illegal, not fair and is currently affecting my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current employer is XXXX XXXX XXXX XXXX-current. please remove the following employers they are not accurate XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
The following addresses listed are incorrect and not accurate please delete : XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, NY XXXX I have several unknown phone numbers on my report please remove the following phone numbers : ( 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

Hi I received a noticed from XXXX  there was a hard credit inquiry on XX/XX/21 from CREDCO. 

I have been working the last 2 days, and have not applied for any credit or mortgage. 

I did not recognize who is inquiring about my credit. If there is a hard credit pull, I am concerned about someone applying for credit on my behalf. 

I wish to notify somebody as soon as possible because I do not want to be liable for any eventual identity theft. 

Thank you
Product: Credit card

Subject : Complaint Regarding Unjust Charges on Closed Credit Card - Case # XXXX Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention a concerning issue I have been experiencing with my credit card, and I am seeking your assistance in resolving the matter. 

My case number is XXXX, and the situation revolves around an unauthorized charge on a credit card that I closed in XX/XX/XXXX. The charge in question was added to my closed account in XX/XX/XXXX for a subscription that I had already canceled. I possess written confirmation from the merchant, dated XX/XX/XXXX, affirming the cancellation and assuring me that no further charges would occur. 

Despite providing this evidence and requesting the reopening of my dispute case, I have been informed by Barclay Bank that they are unwilling to reverse the charges. This denial is perplexing and frustrating, as it contradicts both the evidence I possess and the assurances made by the merchant. 

I am reaching out to the Consumer Financial Protection Bureau in the hope that you can investigate this matter and help facilitate a fair resolution. It is disheartening to find myself in this situation, and I believe that the unauthorized charges on my closed credit card must be rectified promptly. 

I appreciate your attention to this matter and look forward to a timely and just resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I call to dispute the debt, they said they send it to me via mail, I ask for it to be sent via email. they said because it is a dispute it has to be sent by mail. I was give a reference XXXX XXXX.When I didn't receive the document I call back they the despite was cancel, and i can try again, and then they said they cant and a letter had been sent
Product: Debt collection

Dear Stillman Law Office XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/XXXX and identified the debt as with Immediadent allegedly owing {$1200.00}. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. If you can not validate the debt, stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau XXXX or have already done so ), also report that the debt is disputed. Please be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe is a violation of the Fair Credit Reporting Act & Fair Debt Collection Practices Act. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a negative account showing up as a closed account on my XXXX credit report. 

the account isn't mine it has been removed from the other two credit agencies. Credit card for Navy Federal amount {$500.00}. That account belongs to someone else. I have no responsibility for the account at all. I have disputed this 6 times and it keeps coming back as verified. The account holder has a different and XXXX needs to do a legit investigation and remove this from my file. I know for a fact this is not my account as I have already spoken to the original company and they told me to file a dispute and it would be corrected. That's why it was removed from XXXX and XXXX. 

It clearly says this was not my account It says Authorized user Authorized users aren't legally responsible for making payments. I was not the primary account holder on this account
Product: Debt collection

Sherlock financial is reporting a paid bill to the credit bureau, even though Ive sent receipts and bank statements showing its paid in full.