23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX : I set up a payment plan to take money out of my card with routing and account number ; and I specifically told them to take it out on the specific date. They took the money out on a Sunday ; the day before I had money in the account ; and the amount did not go through ; They did this on their own accord because they are so greedy and ruthless ; they did not do what the client asked them to do. Since they did not get the payment ; I have a call from them everyday harrassment ; Monday through Sunday ; every day calls ; I answered one call and told them they could take the money out of the account I previously gave them ; and they told me I had to do the process all over again ; since they did not get the money off the card because they drafted the money too early ; they canceled the payment agreement altogether. Now I have to be on the telephone with them for at least an hour with their abusive collection tactics. They repeat themselves over and over again with a recording ; telling clients what they are doing over and over again. Each time they give me an Agent to work with me ; then when I call ; they say OH ; that Account Manager no longer handles your account. 

They have very abusive tactics and need to be reprimanded for what they do to their clients by repeated phone calls greed into customers payment plans. They always want a checking account and routing number to pull from your account ; No mail payment plans ; They are sharks or the XXXX I don't which one. 

Please assist in this devastating collection crew!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX, Account name- XXXX XXXX  Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This company is attempting to collect on a FRAUDULENT debt! They have been making unauthorized inquiries on my credit reports. First, IF those debts are actually mine, they are outside of the Statute of Limitation for legality of debts. Also, Dynamic Recovery Services would be able to provide actual PROOF of the legitimacy of the debt. They have DENIED this! Secondly, I DO NOT OWE THE DEBT THEY ARE CLAIMING I OWE! I attempted to call them to inform them that I am aware of the numerous complaints for fraudulent activity against their company, and they were to cease and desist immediately. One of their " representatives '' told me that he was ending the conversation because I was being " unprofessional ''. I was not being unprofessional. I was being TRUTHFUL in telling them that they have been caught in an ILLEGAL LIE! They are attempting to do the same thing to my husband, XXXX XXXX, for approximately the same amounts. These " debts '' are supposedly for " medical services that my husband and I have never received. Also, per the Fair Credit Consumer Act, those " debts '' are to include the actual date of service. However, NOTHING that Dynamic Recovery Solutions has provided, shows that information. Therefore, they are trying to illegally collect on a phantom or fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, TransUnion, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to make accout on Experian.com for a while now and it always says information doesn't match and asking me to write them a letter. I am never able to login on Experian.com to my account because my information doesn't match with their side. I didn't bother with this much until I recently came across with a new problem. 

I am studying to be a XXXX XXXX and recently I am trying to signup for IRS services and in order to gain access to IRS services they verify identity by using Experian credit reporting services. Again the INFORMATION I AM PROVIDING NOT MATCHING WITH EXPERIAN. I wrote Experian a letter about this and included photo copy of my Driver license and Social security card. Upto now they still not able to find and correct what's wrong and there negligence is affecting me financilly since I am not able to persue with my carrier and will not have access to file tax returns with IRS in the upcoming season if EXPERIAN don't fix this soon. IRS want me to talk to Experian about this and Experian is not taking this seriously. They must find out what is wrong on my credit report and why it's not matching. Please help. 

Please note : IRS doesn't have any other alternative, I must go through this security process and Experian in not coaperating and not taking steps in reasonable manner to correct this. 

Thank You
Product: Debt collection

I did not know this debt {$5700.00} was made for an apartment complex. I have tried reaching out to apartment complex XXXXXXXX XXXX about the debt in XXXX and XXXX of 2022 I was getting the run around and finally in XX/XX/2022 they gave me was a number and every time I reach I dont get any answer. I have also sent letters back in XXXX and XX/XX/2022 to verify the debt have not received anything back. I have reached out to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report to all 3 credit bureaus an account that should have been removed due to identity theft issues. Im a XXXX senior and I was notified by an XXXX representative the account plan and phone device would be removed due to the discrepancy on the agreement and the account would be closed however that agreement was broken the representative didnt honor us word and failed to document the call. And the account was sent to collection and I have been disputing this account from my credit report for a few years due to this breach of agreement. The account should never been reported on my credit report. Instead the information was supposed to have been suppressed from my credit profile. The XXXX employee never notated they information and therefore Im having to dispute this with the credit bureaus and now the CFPB. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues on my credit file that need addressed, my name is XXXX XXXX XXXX SS XXXX XXXX XXXX. Please remove any other variation of my name it is not accurate ( Please delete XXXX XXXX, XXXX XXXX ) The following addresses are not mine please delete XXXX XXXX XXXX # XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX, CT XXXX I have requested documentation from the following 5 collections agencies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  # XXXX. Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed in XXXX, XXXX, and XXXX of 2020 with XXXX and Transunion credit bureaus about verifying the account of XXXX account XXXX XXXXXXXX. I asked for verification with XXXX account XXXX XXXXXXXX, and I received no response from them all three times. XXXX  and Transunion replied that this account has been verified by the Fair Credit Reporting Act but I have not received anything from them nor have they shown me their methods of Investigation. I don't believe either bureau did a proper investigation or if they even investigated this account at all. I'm asking help from the CFPB in order to correct this issue by the credit bureau doing a proper investigation and deleting this unverified account. thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been investigated and previously removed from my credit report, still the are kept in my credit file. 

These accounts are fraudulent accounts on which the creditor did not comply with the Fair Debt Collection Laws by notifying me and providing means for payment or clarification as for the accounts details. 

These are account are the followings : 1. XXXX XXXX XXXX | XXXX : Original Creditor XXXX   XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$500.00} 2. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$650.00} 3. XXXX XXXX XXXX | XXXX : Account Owner Joint Account Original Creditor XXXX XXXX XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX Balance Owned {$4100.00} 4. XXXX XXXX XXXX | XXXX : Account Owner Individual Account. Original Creditor XXXX, Date Reported XX/XX/XXXX, Date Assigned XX/XX/XXXX, Balance Date XX/XX/XXXX, Balance Owned {$800.00} I request intimidate action on investigating and removing these accounts from my credit file.
Product: Checking or savings account

I was trying to get my rent paid and it time I have applied for long I have seen reply
Product: Checking or savings account

Since 2002 up until the current time I have had dispute not honored which should be reviewed as well as the mortgage the overdraft fees and all other things that I can't seem to get from them I do have two dispute that as they sent me that were overturned but there is so much more than I'm eligible for as far as class action suits against them please help me get the information I need. We know Wells Fargo doesn't play fair and they're not playing fair with me now I want any and all kind of civil action suits against Wells Fargo which I am clearly eligible for in quite a few
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated and be provided with methods used to verify the account and names of individuals. As well as documents showing my signed consent/agreement. The inaccuracies are highly injurious to my credit score, and financial well-being.

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.Please provide the names and business addresses of each individual with whom you verified the accounts so that I may follow up. Please send me an updated copy of my credit report after your investigation.

This account was charged off on the following date [ XX/XX/2021 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

This company has charged off the balance that they claimed I owed. This company has not sent me a 1099-C but the balance still remains on my credit report. They are practicing illegalities by trying to get the balance twice.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX credit card is lost/stolen and has over {$600.00} of fraudulent and unauthorized transactions on my XXXX XXXX credit card accounts. The XXXX XXXX credit card account currently listed and showing on my Experian and XXXX credit report is lost/stolen and has over {$600.00} in fraudulent and unauthorized transactions on my XXXX XXXX credit card account. My XXXX XXXX XXXX credit card account number is : XXXX.
Product: Mortgage

This company is absolutely HORRIBLE. I'm not sure how or why they are able to continue to lie and falsely report bogus information to the credit bureaus as well as charge unexplained fees EVERY MONTH, lock me out of my account portal to possibly justify and put a date on my payments that they want, and doctor the date of my payment history as a result and take my money every month and lie about a bankruptcy the NEVER included any information regarding my current residence ( the address in question ), remove my information from the credit bureaus, All of these thing occur as retaliation for complaining and not getting timely or honest responses to my numerous complaints and never taking into consideration all of the evidence I provide to prove what I'm complaining about. After my last inquiry my mortgage has gone up a usury {$120.00}, when my insurance or my property taxes have not gone up. PLEASE HELP. I'm at my wits end and if you can not help please let me know who can. I'd also like to state for the record if I am in bankruptcy how and why was I able to get approved to do huge costly home improvements done to my home? How or why would I do this as well as pay the mortgage on time every month or care? When they were reporting I managed to get screenshots that are totally contradictory to what they are saying now.
Product: Debt collection

XXXX or more times a day Portfolio recovery associates calls using numbers that show as spam with same area code as mine when my XXXX assistant inquires as to the nature of the call there is no reply On the occasion I have answered they are using autodial and after stating that it's portfolio recovery associates the machine disconnects. Also when I return the call blocking my number it say portfolio recovery associates and hangs up. It's spam and possible fraud as I have no outstanding debit in collection
Product: Mortgage

See attached forms. The fees are legal fees of XXXX for bankruptcy and about XXXX for foreclosure. None of which occurred. The house closed on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX SS # : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Dear Bureau RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated as agreed on my consumer report. 
XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$240.00} Please correct/update this inaccurate information on my credit report. 
XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : {$300.00} Please correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items ( 1 ). ( A ). 

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

15 usc 1681g disclosure to consumer I was not informed of any activity. And my credit profile is freezed. 15 usc 1681 ( a ) ( 4 ) XXXX XXXX XXXX accounts that reporting false and misleading Information. XXXX XXXX XXXX accounts that reporting false and misleading Information. They never properly verified account. XXXX XXXX XXXX accounts that reporting false and misleading Information XXXX XXXX XXXX accounts that reporting false and misleading Information. Ltd acquisition llc accounts that reporting false and misleading Information I've disputed several collections accounts that reports a s open and some have information that's not valid. None of these accounts was properly verified. I have had a credit freeze and my report is being accessed without my knowledge. I would like accounts to be removed due to false reporting and defamation of character. I've also checked some of these company online through https : XXXX XXXX  and they are not licensed in my state.
Product: Debt collection

I purchased furniture from XXXX XXXX store in XXXX. ProCollect has owned this debt since XXXX. We were victims of a burglary and most of the items stolen from us. We filed a claim with XXXX XXXX we had purchased but it was never resolved. I called them to attempt to resolve it. Every time I have called they have said that I am refusing to pay. I am not refusing to pay. I am trying to settle. Today, XX/XX/2018, my husband helped me call, because I thought perhaps I was not communicating properly that I want to settle. We received aggressive and threating language from a Ms. XXXX and Ms. XXXX and the rest of the agents hung up on us. They also refused to assign us a new case manager. They claim they called me and I refused to pay, I was the one who called to try to resolve it. The call log is attached. 

I would also like a transcript of the phone calls so that it is made public and this company is properly investigated. Their modus operandi is disrespect, scare tactics, and aggressive behavior. They also misrepresent they have supervisors on the line and they don't. It felt like our conversation for a debt resolution was office gossip and one of  the agents event threatened to go to " XXXX ''. It is unsettling to know people have our personal information and are willing to threaten us over a debt.
Product: Mortgage

We sold our house and was buying a new one. We went through the whole process and got our final approval and the closing instructions but after we signed the paperwork the mortgage company did not send the funds and they called us the next day and told us that they could not go through with it due to our previous mortgage apparently was past due by 120 days. I had been advised once the lender had gotten the pay off on our mortgage to not make any payments as this would alter the payoff amount and they didnt want that to happen. We had already closed on our home and are now homeless and living from house to house with friends and relatives with our XXXX children
Product: Vehicle loan or lease

On XX/XX/year> they repoed my XXXX XXXX the wrecker truck picked up my car I wasn't even notified. It was very very surprising moment. I didn't received a phone call, Emil or letter from Nissan Motors. The guy towed the car the car was sold I'm guess at auction. Then months later I see a repossession on my credit report for XXXX plus on my credit report which today is still being reported. I was the co signer being blind sited.This company received a check from the XXXX XXXX company. So the amount they're saying we owe is incorrect. THEY got a check and never notified me of it .And attachedment was sent to CFPB.In regards to Nissan Motors receiving a check from XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is being submitted personally regarding late payments appearing on my credit record. Upon examination of my files, I discovered these late payment entries. Despite sending correspondence about this issue more than XXXX  days ago, I have not received any response, nor have I been provided with adequate validation. I am seeking your help to address and resolve this situation promptly and efficiently.
Product: Debt collection

Upon checking my credit report, I found multiple entries that I believe were added without my approval. Please take action to block and remove these accounts.
Product: Debt collection

Hello I'm a victim of Identity theft my information has been compromised when XXXX had the data breach my information was exposed I've tried repairing my credit about 3 times since the data breach took place and to no avail someone manages to get a hold of my information opening up credit cards in my name, I was told to freeze my account however once I unfreeze it my information is exposed again. I have a debt collection agency by the name of Jefferson capitol systems LLC trying to sue me for {$4400.00} opened XX/XX/XXXX I've never done business with these people ; XXXX XXXX is also saying I owe {$2000.00} for a credit card I've never had or used, XXXX XXXX XXXX {$410.00} opened XX/XX/XXXX I don't know this creditor, XXXX XXXX {$1000.00} Opened XX/XX/XXXX I don't know this creditor, XXXX XXXX {$3400.00} XX/XX/XXXX I don't know this creditor. These collections that have been identified on my account are hurting my credit score severely. I haven't spoken to any of these agencies as of yet except for Jefferson capital because they are trying to sue me for something that I didn't partake in. I do plan on disputing these collections on my credit report.

This is very draining and time consuming and it's giving me XXXX  constantly dealing with this day in and day out trying to repair my life from identity theft
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of an incorrect address and related public records listed on my credit report, as they do not belong to me and I have never used them in any capacity. The address in question is as follows : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XX/XX/2006 XXXX XXXX XXXX, XXXX, IL XXXX Not Reported Additionally, I am requesting the removal of public records associated with my file, as I have reason to believe they were inaccurately added due to compromised information resulting from my involvement in 26 separate data breaches.

Under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c : Consumer reporting agencies are required to maintain accurate and verifiable information.

15 U.S.C. 1681e ( b ) : You are required to follow reasonable procedures to ensure maximum accuracy of the information contained in my file. 
Furthermore, under the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ), credit reporting agencies are prohibited from reporting incorrect and unverified information that could harm consumers.

This inaccurate address and the associated public records are in violation of the above laws and must be removed from my report immediately. I respectfully request that you : Delete the incorrect address from my credit report.

Delete any public records erroneously associated with my file.

Provide me with a revised copy of my credit report confirming the corrections. 
Investigate and document the source of these inaccuracies. 
If the matter is not resolved promptly, I reserve the right to file a formal complaint with the Illinois Attorney General 's Office and the Consumer Financial Protection Bureau ( CFPB ). I will also consider legal action to enforce my rights under the FCRA and applicable state laws. 

Please treat this matter with urgency and confirm the deletion of the incorrect address and public records within the 30-day investigation window mandated by the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your confirmation of the corrections. 

Sincerely, XXXX XXXX XXXX