23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and closed. There is no outstanding balance to report. The home was originally going to be sold as a short-sale however an offer was presented and accepted. I have attached a copy of the Settlement Letter dated XX/XX/2018 showing the payoff amount on the loan. I have also attached a copy of the Master Settlement Statement as well. At closing, the title company did not disposition the funds correctly and payoff the outstanding debt on the mortgage. Consequently, the mortgage company came back on me and said I owed funds for the remaining debt. With the assistance of an attorney I was able to get this account squared away however, I have been unsuccessful in getting this item removed from my credit report even after contacting the bureaus for help. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX LATE PAYMENTS INVALID. 

XXXX XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX  XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX I XXXX DOES NOT BELONG TO ME. IDENTITY THEFT.
Product: Money transfer, virtual currency, or money service

I had an available balance of {$2000.00}. They offered instant transfer. As soon as I did that, it was delayed by 72 hrs. Paypal falsely advertises the instant transfer but does not actually provide it. They always seem to have an excuse to inhibit access to your money. No inhibitions exist on money going into PayPal but always, Always exist on any attempt to take it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX Listed XXXX are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX - XXXXXXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Debt collection

Midland credit has created a collections about a credit card in XXXX stating that I owe {$710.00}. 

In XXXX Midland Credit created a collections about a credit card in XXXX stating I owe {$960.00}. 

XXXX XXXX  stating I owe {$1200.00}. 

XXXX XXXX XXXX has a credit collections stating I owe {$2200.00}. 

All collections stated above are fraudulent and must be removed.
Product: Credit card

I checked by XXXX XXXX report today. there was a {$40.00} late fee on my account after I was told by an agent on XX/XX/XXXX, that the charge would be scrubbed. The bank listed that I made my payment on XXXX XXXX which was a lie. According to XXXX the agent from XX/XX/XXXX, she stated because I made my payment after XXXX ; I would possibly have a late fee. I told her I had never heard of such garbage because I made my payment before XXXX XXXX. Anyway, today the late fee was there. I told them effective today, CLOSE MY ACCOUNT and I would pay the account off like that. This bank is garbage and there credit card services should be shut down.
Product: Payday loan, title loan, personal loan, or advance loan

Foundation Finance Interest and Fee Charges have changed monthly over the past year typically equally almost the entire monthly payment at this rate the loan will never be paid off. I have attached the monthly payments. Trying to get the original completed document has been a hassle as it asks for an access code which is never emailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 REPORTING AN INQUIRY ON MY REPORT
Product: Debt collection

I am writing to formally dispute the charge-off account listed on my credit report by your company. Since MACYS oppressive actions deciding to infringe on my personal privacy, this has harmed my general reputation of credit worthiness by furnishing such alleged debt to the consumer reporting agencies. See proof in the attachment labeled as Exhibit A. This constitutes as a violation pursuant to 15 U.S. Code 1692d ( I ) for the use of threat or use of violence or other criminal means to harm the physical person, reputation, or property of any person, Upon receiving this notice, I demand you to CEASE AND DESIST further communication through all mediums, ie : email, text messages, phone calls, consumer reporting agency of any other forms of instrumentality of interstate commerce or mails permanently, regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( I ). Remove the charged off account from all consumer reporting agencies.
Product: Debt collection

I received a letter from a law firm, that was is acting on behalf of a debt collector that is acting on behalf of my bank. The letter is an attempt to collect a debt. 

This is the XXXXIRST time I have received a communication in the attempt to collect a debt from my bank. It appears to be weird as my 1 ) bank did not attempt to collect a debt, 2 ) the Collections Company has not sent any communications and 3 ) the law firm letter was the first time I have seen this. Additionally, this is not showing on my credit report so I wonder if this is legitimate, especially if it is from the Bank. I have my Mortgage with them, a line of credit with them, both in good standing. I have a closed credit card with them that was closed ( paid in full ) in XXXX  and it states as such on the credit report. 

The Bank has not information to give me as I do not have an account number to give them.

I tried to log in to the Law Firm that is trying to collect the debt and I had to attest to all : - My account is not in dispute.

- I am not a petitioner in any pending bankruptcy petition.

- This account has not been discharged in a bankruptcy.

- I have read the Privacy Statement and wish to continue with making a payment. My account is not in dispute.

Because I am desputing the account through this CFPB, I assume I can not check this. I have to check all the boxes to access the account with the Law Firm. Seems unfair that I can not see what the account they have set up on my behalf in their site.

I am going to respond to the letter with " this is my debt '' and " I want you to send me the name and address of the original creditor ''. and send the letter back.

Being sent to 1 ) collections and 2 ) legal without prior notice doesn't seem right. Having no indications via the credit report that this is an attempt to collect a debt is also not right.
Product: Debt collection

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX # XXXX, account name : XXXX XXXX XXXX  XXXXXXXX, Account Name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX XXXX and noticed 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 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

Dear CFPB, I am writing to report a concern regarding debt collection practices related to an account ending in XXXX ( Resurgent ID XXXX ). This account was included in my bankruptcy proceedings and should have been discharged. 

Description of the Issue : XXXX. Dates and Actions : Bankruptcy Filing Date : XX/XX/XXXX Bankruptcy Discharge Date : XX/XX/XXXX Communication Received : On XX/XX/XXXX, I received a message from Resurgent Capital Services stating that they had canceled my remaining scheduled payments and instructed me to reschedule payments once I receive a new payment method. 
Previous Actions : I have previously communicated with Resurgent Capital Services regarding the bankruptcy discharge, and they confirmed that the debt was included. 
XXXX. Amounts : Original Account Balance : {$1500.00} ( balance at the time of bankruptcy ) Payments Scheduled : $ 200 monthly payments were scheduled before the bankruptcy discharge. 
XXXX. Actions Taken : I have contacted Resurgent Capital Services to inform them that this account was discharged in bankruptcy. 
I have requested confirmation that no further action should be taken on this account. 

The communication I received suggests that the debt is still considered active, which conflicts with the bankruptcy discharge. I am seeking your assistance to ensure that Resurgent Capital Services complies with relevant regulations and that my rights under the bankruptcy discharge are upheld. 

Thank you for your attention to this matter. 

Best regards, XXXX XXXX
Product: Debt collection

On Friday XX/XX/XXXX I received an email, I am attaching it to this complaint. In the email there was an amount stated that I owed {$91.00}. When I called to inquire abut the debt. The person I spoke with first told be that {$91.00} was the total owed. When I started inquiring about the breakdown of the bill I was then told that they have my dispute on file from XXXX for one amount. Then told me that the other amount they could not talk to me about it because I needed to talk to the medical office. Which brings up two issues- if they can not talk to me about this debt, and it's not yet in their office why are they trying to collect? Second for the amount outstanding since XXXX THIS is in dispute. This company is refusing to follow the Fair Debt Collection Act by complying with my repeated requests to provide proof of the debt. I have been told " we can't provide that ''. I have and still maintain that this is not my debt. 

My complaint is two fold : First, back in XXXX I disputed the first debt. By this company 's own admiisson they have my dispute, yet they have for XXXX years refused to provide any proof of me owing this debt. I assert now, like I asserted then that this is not my debt. Second, the new debt- I acknowledge that I was seen, but this is a workman comp bill and according to XXXX  XXXX this bill was never even submitted to them to be paid. Further when I called to speak with someone I was yelled at and then she hung up the phone after stating that they don't even have the debt in their office. If the debt is not in their office, why are they fradulently trying to collect? When I called immediatly back, no one would answer my calls. I aslo left several vocie messages and no one returned the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report and noticed Ability Recovery placed private information about an account I have with them on my consumer credit reports. Per 15 US code 1684 and 15 US code 1681b from the FCRA, the law clearly states : 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. Meaning, if you havent received written instructions from me, THE CONSUMER, to put an account on my report, it should not be there. This is a violation. I never gave written instructions to furnish any of the following accounts on my report : XXXX XXXX - XXXX ( COLLECTION ACCOUNT ) Secondly, according to 15 USC 1681, the law states : Accuracy and fairness of credit reporting. The congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The following accounts are inaccurate and are in clear violation of my privacy which is a violation of the law. This is damaging to my reputation. As the consumer, I demand the following accounts be deleted from my credit report immediately. 
XXXX XXXX - XXXX ( COLLECTION ACCOUNT ) As the consumer, I did not give any written instructions to have this account reported on my consumer reports. I have not given this creditor permission to put this account on my consumer report. They have no permissible purpose by law to contact third parties with my private or personal information. This offense amounts to aggravated identity theft pursuant to 18 USC 1028A. They have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

15USC 1681 ( a ) ( 4 ) A consumer has the right to privacy there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

They are in federal violation of my rights, as a federally protected consumer who has the right to privacy. In addition, I demand to have a copy of my updated consumer report once the deletions have been made.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 16810-2 ) that you, the XXXX credit report agency, block information appearing on my consumer credit report that is the Identity theft and d fraud 4 business days of you receiving this comply fraud within 4 business days and of identity fraudulent, Inaccurate, and complaint. This of you receiving this complaint. This information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. that appears related to the account fore mentioned personal loan account opened. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the you which shows the aforementioned fraudulent FICO credit report maintained maintained by you which shows the XXXX  consumer FICO items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing oe. All of the consumer credit report maintained by you were not opened, made, or initiated by me. aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' some report. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT to the following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND PARAMOUNT RECOVERY SYSTEMS, XXXX XXXX XXXX have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe adeb, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX found out name was breached in XXXX Data Breach. I notified the credit bureaus, FTC ID Theft Affidavit was filed and was given a claim of the Breach. 

I sent out letters XX/XX/XXXX and to dispute the erroneous accounts, addresses, and names that proves it not mine and requested investigations and verify that all info on my report are correct and accurate. 
According 15 USC 1681i, everything must investigated in 30 days and with verifiable and accurate info. XXXX and Transunion has violated my rights by simply not even investigating the errors. They also did not add that the accounts were in dispute. This is another violation of my rights. 
Transunion and XXXX deleted XXXX XXXX  account but illegally put back on the same disputed account with a new number. 
I have attached the FTC AFFIDAVIT that was filed in XXXX along with the new Affidavit showing the illegality of the XXXX. 
XXXX XXXX XXXX ND XXXX is commercial building, XXXX XXXX ND XXXX has three different variations of same address for abandon building. 
There still 20 variations of my name and 10 diffrent addresses. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Delete these errors and accounts that are not mine or I will want monetary compensation for my violating rights also discrimination due to my age and fraud.
Product: Debt collection

I have sent prior request about a Mortgage reporting inaccurately on my credit report. There are plenty of errors concerning my account and the way this company kept its records. This account was reported by this company as being in a Bankruptcy Status since XX/XX/2011 however was never reported or updated to the Credit bureaus Please explain how and why this account was not reported correctly? I have sent more at least 3 request through the CFPB and they have admitted to this an other accounting errors on my credit report and stated they updated the payments but they have not
Product: Credit reporting or other personal consumer reports

When I log into my Experian account and request my report there are tons of credit files missing off of my report. They were told XXXX  times now about that information. They claim they can not honor my request. Um, it's my XXXX ' credit file and I have a right to it! 

When I call customer service to request an XXXX adjustment they must have complete XXXX working for them. I can not see my full report. Tons of information is missing. No potential lender can either. But the customer service reps can see my entire report. 

That is an XXXX issue on their end. Not mine. They are causing me financial distress and destruction by not accurately providing information that I legally have a right to. They are violating my civil and constitutional rights. They are also causing high interest rates and inflated payments on current credit accounts because they have yet to fix something that has been requested since last year. In XXXX, XXXX, and XXXX it was all there. Now, all of the sudden it has disappeared. 

This is intentional. And they need to fix it!
Product: Payday loan, title loan, or personal loan

I am the victim of identity theft. A thief fraudulently using my personal information received a loan through Affirm/XXXX. I DID NOT make the request. I DID NOT authorize any person to, nor did I receive any goods or services. 

I have disputed this since I discovered it in XXXX and it remains disputed. 

This loan was acquired fraudulently with Identity Theft. 

I have filed a police report, frozen my credit, reported to the credit bureaus and to the company and continue to dispute this as fraud.
Product: Checking or savings account

I closed my checking account with First National Bank In XX/XX/2022. I have receipts showing I closed the account and there was a XXXX balance. I got an overdraft letter In late XXXX telling me my account was the overdraft. I called the bank and explained that I closed the acct. and I would not be using their services going forward. I was told the matter would be taken care of and the acct. would be closed. In XXXX I received a new overdraft letter telling me I was In overdraft again. I again called the bank with my displeasure with the handling of the closing of my account. This time I was met with resistance to the fact I closed the account. The person I spoke to told me I would have to call the branch I opened the account with and have them reverse the charges and close the acct. I refused to call that branch because I had a bad Interaction with a bank employee. She said that she would call her XXXX named XXXX and she would give me a call. I was never called by XXXX. I emailed the Bank ( email attached ) and told them about my situation and If this erroneous charge would do damage to my business and personal credit if It went to collections. I never got a reply back. In XXXX I received another overdraft letter. I have tried to close this account and FNB. will not let me. I would like an email or letter confirming this matter Is closed and that I won't need to go any further.