23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX on and off since XXXX to present between XXXX and XXXX  XXXX all personal accounts only. I am a victim of identity theft, and fraud since my information was stolen in the VA in XXXX, XXXX and XXXX since XXXX, and my professional business license in Washington XXXX since XXXX. I reported XXXX before, and fought off their past 3rd party collection agencies, and all debt was deleted. This year alone I did block all my credit reports from freezes and fraud alerts. 

Attempts to collect debt not owed ( debt was paid, discharged in bankruptcy, result of identity theft, was owed by a deceased family member ) Currently this year alone especially during XXXX history month another 3rd party predatory creditor ruined my credit report in both XXXX and XXXX as I lost between 57 to 61 points. I told the creditor to leave me alone, and they did not as I was forceful. XXXX is trying to collect on debt I do not owe as it is a false claim, especially given the money and debt I paid to them already. I moved between states in XXXX I returned the equipment, and that was confirmed when I talked to XXXX special billing department. 

After explaining my situational story, which is upsetting after they admit from coming at me before, and the debt was dropped because I turned in the equipment years ago. Then they said we can wave the XXXX debt, but you owe us XXXX plus dollars, and I said no freaking way. This guy said well we have a bounced check with your name on it with a NSF amount, and I said that is bull cause I never wrote that check. During that time I was in the process of moving, and I am certain my information was hacked by nearby thieves who was making alleged claims pretending to be me. This debt was deleted of my credit reports a few years ago. 

i am a XXXX  XXXX  veteran with limited income on XXXX who business went under who is a single father who is struggling still while raising a son, and service dog. I want all this debt deleted from my XXXX, and XXXX as in pronto as I keep disputing this outrageous debt, that I do not owe. XXXX did call me back, and the haung up nor did they give me the electronic pdf so I can itemized the so called bill, and file it in a police report because I use to be a federal police officer too. I also do not want comcast harassing me by using 3rd party lenders as this has impacted my ability to buy my first home where my credit report was close to a XXXX  plus score as it has been over 5 years rebuilding my credit reports. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a credit card charge off in XXXX of XXXX. At that point the credit card company was no longer reporting the card to the credit bureaus. 

In XXXX the statute of limitations from what I understand as per the AG is three years. I received calls from PR from XXXX through XX/XX/XXXX claiming I owed money to the credit card company and needed to pay PR for this debt. 

In XXXX I asked the gentleman I spoke to to stop calling me and I wouldnt respond nor was I interested in paying PR for something not on my credit report. They continued calling for the next 4 years - 10 years after the end of credit reporting and years literally years past the 3 year XXXX cut off period. 

I spoke to someone on XX/XX/XXXX at XXXX and asked them to stop calling and was then called twice on XX/XX/XXXX. 

PR recovery will say they have stopped. That is irrelevant now nor is it my complaint. They would not have stopped had I not initiated action against them. 

They pursued me for a debt that was no longer on my credit report but over the years used tactics to express that it was on my credit report. They falsely represented themselves as something other than a company that buys old debts and harassed me by calling several times a week for years. Bear in mind this was way over the time they could legally do so. 

I spoke to the original debtor who told me several routes to take action against them and - after I asked multiple times for them to stop and they lied and said this affects my credit, I need to make it known and I need to have my time energy and terror of their reps compensated for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and at Transunion? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! I have talked to the banks and they approved to DELETE these accounts from my file. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

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

I sent a letter last XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquiries on my Trans Union report that arent mine. I have called Transunion many times to resolve this but they are less than cooperative
Product: Debt collection

I received this mail notice on XX/XX/2020 stating that a debt collecting process was conducted and concluded that I owed {$3600.00} on an account ending in XXXX. I believed that this is a fraudulent account that I did never authorized and need to be investigated and should be resolved before getting any further. According to this letter, there has been a lawsuit filed against me on behalf of XXXX XXXX XXXX. Before any of these fraudulent action taken place, I need to get competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay you.
Product: Debt collection

I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and First National Collection Bureau Inc keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX I lodged a complaint against XXXX, Equifax, and XXXX. The reason behind this action stemmed from my individual disputes with each of these credit bureaus in XX/XX/XXXX. At that time, I had informed them that I had fallen victim to identity theft that I noticed after being released from prison. Upon reviewing my credit reports, I noticed several items that were inaccurately attributed to me. Despite submitting my police report, identity theft report, and government-issued identification to support my claim, I did not receive any response from the credit bureaus. 

As a result of their lack of communication and action, on XX/XX/XXXX, I escalated the matter by filing a complaint with you. In my complaint, I requested that the credit bureaus provide evidence of their investigation into the disputed items. I also demanded that they either remove the erroneous entries from my credit report as mandated by law ( which I referenced in my complaint ) or substantiate the validity of these accounts by presenting supporting documents such as contracts or signatures within a specified timeframe of 15 days. While some deletions were observed on my credit report subsequently, I did not receive any formal response from the credit bureaus regarding the resolution of the dispute. 

On XX/XX/XXXX, I submitted another complaint against these three companies requesting once again the deletion of the disputed items within four days or proof be provided within 15 days. Despite noticing some deletions, there was still no response, and some items remained. 

On XX/XX/XXXX, Equifax responded to the original complaint from XX/XX/XXXX. They stated that they had contacted the furnisher of each disputed item, including XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and disputed inquiries and stated that these items were verified as being mine but unlike my two prior requests and law states have not provided any proof regarding their investigation or how they were able to verify this debt. 

The lack of response on these remaining items could be a cause for concern and may require further follow-up with Equifax or the respective companies involved. Failure to do this will leave me no choice but to take legal action because they are suppose to verify each item reported prior to reporting, and I have the right to have each item validated and receive proof of each validation.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I tried to transfer XXXX BTC from Coinbase to an external wallet that I control. I received a message that the send would be delayed unless I verified my ID. I sent photos of my ID and a selfie to them and was immediately logged out of my account. I tried to log back in and it says For your security your account has been disabled. I contacted support and they reenabled my account within an hour. I was able to log in but the transaction was canceled. I tried to initiate the transfer again and the same exact issue happened again. They fixed it again and the transfer was canceled again. However, the third time I tried with exact same results I get no response from support. They just keep merging my support tickets into one and no other response. I know that my external wallet address is good because I successfully completed a small {$10.00} transaction the day before. I am completely locked out of my account with no support whatsoever.
Product: Credit card

Bank of America closed my credit card account with notice, immediately after I paid off the balance on the card with the intention of using the card for new purchases. 

A credit card holder should be able to reasonably rely upon access to their line of credit. If the bank can just close the account without notice, the card holder could be put at risk, e.g. if the cardholder is traveling or if there is an emergency. A bank should give reasonable notice to the cardholder before closing an account, in view of the fact that closing an account can create a serious hardship for a cardholder, even placing the cardholder in physical jeopardy, e.g. if the cardholder is traveling without access to other funds. 

Moreover, my account was closed shortly after I paid off the balance on the account, because I wanted to free up the available credit for new purchases. The timing of the account closure is suspicious and suggests that Bank of America waited for me to pay off the account before closing the account. In other words, the timing suggests that the account was flagged for closure because the balance had been paid off. Obviously, this kind of closure tactic maximizes the risk of financial hardship, because people often pay off credit cards with the intention of then using the freed up credit. 

Finally, this account closure tactic has an additional harm beyond placing the cardholder at risk of hardship -- it also harms the cardholder 's credit score. If banks close accounts because credit scores are low, this has a snowball effect, because the closures worsen the credit scores, perhaps leading to further account closures, and further worsening of credit scores. This enhances the need for reasonable notice and process before account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I clicked on annual reporting site to get my free annual credit score. The site stated that I am entitled to get one free reporting per year. I was able to obtain my credit report, however, when I clicked on my credit score, it would route me me to TransUnion account, where it would ask me again for my email address. When I entered my email address, it would yet take me to another screen, where I was asked to enter all my information again, which I did. Then the final filed, it says to enter my Credit Card information. If I am entitled for one credit report a year, why am I being asked to enter my credit card information? I logged out and tried to sign on again, but it gave me an error message, I guess since I used the system once, it would let me continue, unless I enter a credit card number. 
Thank you for your help! 
XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX had claimed to charge off/send to collections {$150.00} total balance. Using XXXX  own XXXX XXXX XXXX, the company successfully defrauded myself and Experian claiming the account was sent to collections. The account never left XXXX XXXX, therefore a write off/charge off never took place. The account remained with the same organization in perpetuity. It has been paid in full and closed. I requested the verbiage to be changed on the tradeline, and Experian has thus refused. XXXX XXXX has made statements to this consumer through your portal proofing this fact. Whomever is responsible for resolving this dispute at Experian is demonstrating actual malice by resolving disputes incorrectly, repeatedly. Please advise. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent dispute letter to all 3 credit bureaus requesting the removal of several items. A closed credit card account that is over 10yrs old, a charged off credit card account over 8 years old and two collection accounts that I do not owe money to and never had contracts with. XXXX  deleted all the accounts. Experian and XXXX did not, they only updated the reporting of the account. I contacted Experian and XXXX again via mail on XX/XX/XXXX. I explained to them that XXXX had deleted the accounts, provided proof of that and asked them to also delete the accounts from my credit file. Experian, updated the account again and did not remove it as requested. XXXX did the same and advised me to contact the credit card company. My complaint is that they are not required by law to continue reporting this outdated information and they ARE required by law to remove it at my request. The information I need help having deleted is XXXX XXXX XXXX on my Experian file, XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX file. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX  XXXX and Private insurance insurance thru XXXX on my mothers policy however XXXX XXXX  is reporting a medical bill in the amount of {$610.00} pastdue. The Date Updated was done on XX/XX/XXXX just because I called and asked about the account. The Last payment made was listed as Last Payment XXXX XX/XX/XXXX however they claim the account was opened on XX/XX/XXXX which means that this account was opened after the last payment was made which makes no sense. Also, the are listing the High Balance of {$440.00} but the past due amount of {$620.00}. XXXX XXXX has placed this item on all 3 of my credit reports and refuse to remove the account even though they never attempted to bill my insurance company.

Original Creditor XXXX XXXX Past Due {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i was able to check and print two of the three on annual credit report but wasn't able to see the one from Equifax. i requested by phone more than three months ago now on XX/XX/XXXX. and didn't receive it in their said time of arrival. i requested it again on XX/XX/XXXX. I have not received that one as well. it is XX/XX/XXXX. i need this in order to start a job and it is currently being delayed due to not receiving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ACTUALLY DISPUTED THIS ACCOUNT WITH XXXX XXXX  AND CFPB WAS THE MEDIATOR. WHEN THE COMPANY RESPONSED BACK THEY HONORED THE FACT THAT THEY WERE REPORTING AN ERROR ON MY REPORT AND REQUESTED TO DELETE FROM CREDIT REPORT. THE TRADELINE WAS DELETED. MY ISSUE IS THAT EXPERIAN XXXX  XXXX ALLOWED THIS ACCOUNT TO BE FURNISH ON MY REPORT. THIS HAD A NEGATIVE IMPACT ON MY REPORT AS A COLLECTION. EXPERIAN XXXX  XXXX DELETED THESE ACCOUNTS. DELETIONS IS ADMISSIONS. AS PER 15 USC 1681 ACCURACY AND FAIRNESS. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. HOW AM I SUPPOSED TO TRUST YOUR REPORTING AGENCIES IF YOU ARE ALLOWING TO FURNISH ERRONEOUS INFORMATION. AS A CONSUMER I HAVE THE RIGHT TO AN ACCURATE REPORT. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. IF YOU ASSUMED THE ROLE, CONSUMERS ARE EXPECTING FOR YOU TO DUE YOUR DUE DILIGENCE. AS PER 15 USC 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. THE REPORTING AGENCIES ARE PLAYING UNFAIR GAMES THAT THEY PUT FURNISHERS OVER CONSUMERS, I AM QUESTIONING THEIR INTEGRITY. SINCE THEIR FAILING TO DO THEIR JOBS, I AM ENTITLED TO COMPENSATION OF DAMAGES. THEY ALLOWED A DELETION, IT ONLY TELLS ME THAT THEY HONORED THAT ERROR AT SOME POINT, THEY NEVER QUESTIONED IT. AS PER 15 USC 1692K-CIVIL LIABILITY ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I AM REQUESTING MONETARY DAMAGES IT IS ENCLOSED IN MY ATTACHMENTS/EVIDENCE. DELETIONS IS ADMISSIONS IN CONCLUSION, I NEVER GAVE ANY REPORTING AGENCY WRITTEN PERMISSION OR AUTHORIZATION TO furnish their in violation under 15 usc 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Debt collection

National Credit Systems has been attempting to collect a debt that belongs to my deceased father. I was my father 's caregiver and in XX/XX/XXXX he leased an apartment at XXXX XXXX. I had no financial liability to the lease or its expenses. However, the complex stated they needed the Social Security number of every adult over the age of XXXX residing in the apartment. Their lease had a clause that stated in the event of a death he would not be liable for the rest of the lease. My father passed away XX/XX/XXXX and I immediately vacated the premises on the weekend when the office was closed. I provided a letter and proof showing my father passed away, pictures of how the apartment was left, the keys, the forwarding address to be notified of the receipt and left in the drop box as I moved out of state. About a month later I received a bill stating I was responsible for the debt as if my father was my spouse. I contacted the management company located in XXXX and advised I was not his spouse and it was not a joint account I was only a resident on the lease. They refused to acknowledge that and reported to my credit and sent to National Credit Systems as if it was a joint account. I notified them this was not my debt and disputed with them and the Credit Bureaus several times. They continue to pursue me for my deceased father 's debt.