23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I reported this debt in XX/XX/XXXX when XXXX XXXX tried to collect on it and put this on my credit report. Complaint # XXXX. Now XXXX sold the debt to a collection agency, Mountain Run Solutions, who is now trying to collect on the same debt and threatening to put something on my credit report that is not mine. 

Here is my complaint again : In XXXX, XXXX, my husband contracted with XXXX through this XXXX XXXX for home monitoring alarm system. I was never party to this contract which by the way was for 60 payments from XX/XX/XXXX, was paid on time through the contract term and was on month to month after the end of the 60 months. My husband called them in XX/XX/XXXX and told them effective XXXX, he did not want to continue on month to month. They told him he had to sign something stating that he no longer wanted the services and they sent him something over electronically to sign stating this which he did twice after they claimed they did not receive it. The contract is over but they felt they had a right to continue to bill and a verbal was not enough. I never gave my social security number or gave any verbal agreement to be on this contract from the beginning. The signature or initials are not mine. I was not home the day this was done. This was entirely in my husband 's name. I called the company on XX/XX/XXXX when I discovered this was on my transunion credit report and they in fact told me this should have never been put on my report, that it was my husband who they put in collection on XX/XX/XXXX. I was not on the agreement. In fact, they offered to send a copy of the agreement which I am attaching. So how did they even get my ssn to place this? It's not on this agreement either. I repeat, this is very upsetting. To put something on someone's credit and then call it a utility company Resolution is that # 1, this is not my debt and take me off the collection. 
Resolution # 2, provide proof of payment history showing what was paid by my husband and when it became delinquent by him. 
Just sending a copy of a contract does not validate the debt being past due with no payment history. or proof of when it became delinquent. 

Also, is there something in the orignal debt that gives them the right to sell this debt to a collection agency? The original 60 month contract was fulfilled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Did not open or authorize please delete.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Items to Dispute Personal Information Previous Address XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX PA XXXX Collection/Charged Off XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$45000.00} XXXX XXXX XX/XX/XXXX {$2300.00} Late Payment XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need these accounts corrected or removed right away! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX I checked my credit report and realized there was an account reporting derogatory. On XXXX the XXXX 2019 I mailed XXXX XXXX XXXX in regards to account number XXXXxxxxxxx. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws of the debt they claim I owe of {$500.00}. I has been almost two months now and they have not responded to my letter that was sent certified mail on XX/XX/2019. Not only has it been more than 30 days since they signed for my letter on XX/XX/2019, but they also have not updated my credit report to show that this account is in dispute. As a result I am requesting that they have this account removed from my credit report Delete account number XXXXxxxxxxx from my credit report across all three credit bureau agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed several collection accounts on my credit report that does not belong to me. XXXX XXXX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  ... XXXX
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX {$21000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX {$16000.00} XXXX XXXX XXXX XXXXXXXX {$16000.00} XXXX XXXX {$24000.00} XXXX XXXX {$33000.00} XXXX XXXX XXXXXXXX {$140.00} XXXX XXXX XXXX  XXXX {$150.00} UNKNOWN ACCOUNT XXXX {$10000.00} INQUIRIES : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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: Checking or savings account

I was informed by a friend of mine that not all accounts on cashapp are charged a fee to receive money. The only time you are charged a fee to receive money is if your account is a business account. I immediately contacted cashapp support in the app. I explained that i am not a business, and I never became a business, but I am being charged like I am. My account has always been strictly for personal payments between family and friends. Cashapp support replied to my concern with what the fee % is for business accounts. I had explained again my problem, they then said I would need to confirm the switch from business to personal. Which I did.. I asked when my account became a business account, they told me XX/XX/2020. I calculated the total fees I have been charged to receive money since then {$780.00}. I asked what I was suppose to do about that much money I was charged when I never switched my account and they told me they would courtesy refund me XXXX $ because they can't go back farther then 7 days. I don't see how that's possible when I never switched my account.
Product: Credit reporting or other personal consumer reports

hello i recently sent a letter to experian on XX/XX/2024 in regards to some accounts they have listed as collections. I asked for them to send me the method and information they used to investigate these debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased an Xbox financed by Citizens One in XXXX XXXX. Returned the XXXX after a couple of days. Loan was supposedly closed out. XX/XX/XXXX I received an alert that one of my credit accounts was in derogatory status. Per credit report, account was never closed. Called Citizens One, they claim they told the credit agencies to remove derogatory remark ( because they claim they didnt even know why it was there ). Now all of my credit scores and reports have taken a huge hit over the derogatory account status. Not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to XXXX, Equifax and XXXX  and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, Equifax or XXXX does not have any files to verify these accounts, nor will they delete it.
Product: Mortgage

Case number : XXXX they forced a agreement and the payments are more than what they should be the amount was more than what i owed them to start i they are also involving a 2nd and third party into the finance.i left them a message again to get the title requested so i cantake money from my bank to pay them off.If it dont work im gon na file bankrupt i dont know what else to do tomorrow im calling a lawyer.Im XXXX and i caint have XXXX here anyway the lot i have from XXXX triad and XXXX is illlegal and im on hud.i caint even purchase insurance. ive been homless before. i caint keep this up cause im very sick
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't get a credit report online it keeps saying and there are a few accounts on there that I need to dispute. Also it has an address listed that I never lived at and this address is on my credit report as a mortgage I opened which I never did.Thank you,XXXX XXXX
Product: Student loan

See below the email I sent Lend Key who is now servicing my loan from  XXXX , which was a loan I took to study at  XXXX    XXXX   in  XXXX , Massachusetts.  <P/> " Hello, I am writing this email as I am now aware that Lend Key is the new servciver of my  XXXX  loan.  <P/> I have made on-time consecutive payments with  XXXX  since  XXXX .  <P/> Unfortunately, with the transfer of the loan to Lend Key, my   XX/XX/XXXX   payment of {$170.00} was not made therefore putting my account in a delinquent status.  <P/> I have made the full payment of {$170.00} as of   XX/XX/XXXX  , and have set my account up for automatic electronic withdrawals.  <P/> I would like for you to PLEASE consider removing the delinquent status from my account as it is severely affecting my credit history.  <P/> I understand that you made  three  attempts via email since  XXXX , and multiple phone calls, but unfortunately I did not receive the emails and perceived the phone calls to be " scam '' or " telemarketing '' phone calls.  <P/> Like I said, I have since made payment to rectify the problem and am sincerely hoping that you will look at this case as an exception to the " rule '' in place, as I do not feel at fault for this delinquent status.  <P/> I have made things on my end correct, and am begging you to do so as well.  <P/>  Student Loan Debt  is a serious problem and can cause serious trauma in a person 's life, so please consider this case seriously to remove the delinquent status from my account.  <P/> Thank you for your time and consideration. "
Product: Credit reporting or other personal consumer reports

I previously disputed this account XXXX XXXX  Account # XXXX Amount : {$140.00} on XX/XX/year> ( complaint # XXXX ) due to this account being paid in full, never late and closed. This account was returned as verified. I spoke with the supervisor XXXX XXXX. ID # XXXX on XX/XX/year> at the number XXXX at XXXX and was advised that the credit reporting agencies has not reached out to verify this account or any information pertaining to this account at no point of my disputes. On my consumer report the bureaus are furnishing inaccurate, unverified information which is hurting my score, payment history and overall credit profile causing me to not be eligible for buying a home. They are in violation of 15 U.S. Code 1681a, 15 U.S Code 1666b.
Product: Credit card or prepaid card

On XX/XX/XXXX I called capital one ( in the morning ) and requested total amount due to make the account a XXXX balance, explained to the representative that I was actively looking to buy a house and needed a XXXX balance and that I had alot going on between working in 2 cities ( about 200 miles apart ) and looking for a house and buying a house, and everything involved in moving.and did not want to worry about having to pay the credit card bill every month since it would have a XXXX balance and I would not be using it till after I got my new house. I wanted a total amount He said no problem and gave me a figure of XXXX and I asked him if that was everything to achieve that XXXX balance and he said yes So later that evening I went on the app for capital one and paid that amount before the cut off time of XXXX EST and I left it at that because of what I asked and and even asked if that was everything On XX/XX/XXXX I got a credit score alert saying I had 2 months of late payments on capital one credit card so at that time I immediately went on the app to see what happened I figured it was fraud since I have not used the credit card in awhile and what I found out was there was interest of XXXX cents on the balance. I did not know that was going to be there because the representative gave me a figure that was supposed to pay off and give a XXXX balance. I immediately paid it off. 
When I called to get the latest removed right away or get a letter from capital one saying that the lates we're being removed to give to mortgage company they said I had to send a letter in to them so they could look into it and it will take 30days to respond from the date they receive the letter and that it may not even be removed. I asked even if it was there fault and she said yes. 
Well I had a offer on a house accepted and I asked if there was a way to speed up the process because of the offer and that those lates on my report will cause me to lose the house because mortgage company will not fund loan with them on it And they said no way to speed up the process I asked even if it was there fault, I got no response So that's why I am sending to to you guys Thank you XXXX XXXX
Product: Checking or savings account

I have one savings account with Capital One Bank. Was at a low interest rate. Similar named bank account had higher interest rate. I was not aware. I have since changed to the higher yielding account. I would like the prior saving account to experience a just interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items 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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXXXXXX XXXX Inquired on XX/XX/2023 XXXX
Product: Credit card

Case Number : XXXX Credit Card ending in : XXXX This complaint is being simultaneously filed with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX XXXX 

Filed a lost card dispute via telephone on XXXX XXXX XXXX with the card issuer. Provided an estimated lost card date of XXXX XXXX XXXX  only based on the assumption that the first unauthorized transaction on the account occurred on XXXX XXXX XXXX. I immediately notified the card issuer on the above date when I first realized the lost card when logging into the account to make a payment, as originally reported.

I received a letter from the issuer dated XXXX XXXX XXXXXXXX acknowledging the dispute, a second letter dated XXXX XXXX XXXX is a denial letter for the dispute ( please see attached letters ). Upon review of the credit card agreement and the FDIC website, at most that I would be liable for is {$50.00} for the unauthorized fraudulent charges. 

Upon receipt, of this complaint, please reopen the above case and process the dispute accordingly.
Product: Checking or savings account

On XX/XX/24, I deposited my first payroll check from a new job at the ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$1200.00} through the mobile app for USAA where I have a checking account. The check is clearly marked " XXXX XXXX ''. A hold was placed on all the funds except {$200.00}. I knew the app could not determine that it's a payroll check so I used the chat function and advised a live agent that it's a payroll check and that I knew holds are not permitted on payroll checks. My attempts to have the hold removed were denied. Approximately 1-2 hours later, I called their XXXX number and spoke to an agent and again advised that the deposit was my payroll check and clearly marked. My request to have the hold removed was again denied and was told because my balance is low and that they could not verify the funds with the for the check. Given the current state of increasing costs of everything and people struggling to pay their bills, I find this action in extremely poor taste and bad business. I do have a direct deposit order in place with my job, however I'm strongly considering changing that direct deposit request to another institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, Equifax, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Open late Date : XX/XX/XXXX ( XXXX ) -XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mother of XXXX currently receiving unemployment because I got fired from my job. The good news is that I have received employment offers however these offers get rescinded because of a charge offs on my credit report.

I called the credit card agencies to work with me and remove the charge off as well as the credit reporting agency so I can get a job and pay these cards however they will not remove the charge off which in turn does NOT allow me to get a job.

The reason for these 3 charge offs was because my husband at the time lost his job and we were unable to pay.

I am a well educated professional with over 20 years of experience yet I can't work because a credit card company says so? What law allows that? A credit card company that charges 26 % in interest. What law allows these companies to dictate policy on my life?

I am a law abiding citizen who pays taxes and is just trying to get a job to support my family.

PLEASE PLEASE PLEASE help me. 
Thank you XXXX XXXX XXXX
Product: Checking or savings account

This transaction at XXXX  of {$2000.00} on XX/XX/XXXX was an unauthorized transaction I filed a dispute on XX/XX/XXXX, as soon as I was aware of the issue. I am demanding an immediate resolution with funds credited back to my account ending in XXXX. This is causing me long term damages I have communicated my issue and Bank of America willingly is aware of my unauthorized transaction and the fact that I am still waiting for immediate resolution. I will be waiting to hear from you soon.
Product: Mortgage

I HAVE A MORTAGE WITH OCWEN. WE HAVE RECEIVED SHORT SALE DOC 'S AND AN EXTENSION, BUT WE ARE IN NEED OF AN ADDITIONAL 30 DAYS TO CLOSE. THE BANKRUPTCY COURT HAS SUBMITTED A MOTION TO MAKE SURE THERE ARE NO LIENS OR ENCUMBRANCES OUT THERE THAT WE DO NOT KNOW ABOUT. THIS IS DONE TO PROTECT THE BUYER AS WELL AS THE SELLER. 

OCWEN HAS REFUSED AN ADDITIONAL EXTENSION. THE COURT HAS SENT THE DOCS TO OCWEN AND THEY HAVE STILL REFUSED. OCWEN HAS IN HAD THE " PROOF OF FUNDS '', AND ALL INFORMATION NECESSARY TO CLOSE BUT ARE STALLING ONCE AGAIN. 

WE NEED AN ADDITIONAL EXTENSION TO GET THIS CLOSED AND DONE RIGHT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had an account with XXXX XXXX. I have been XXXX since 2018.