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

CITIZENS BANK Re : Acct # XXXX To Whom It May Concern : I am continually being called on the telephone by your firm over an alleged {$10000.00} debt. According to the information given to us by your firm, the date of last activity by the original creditor was XXXX XX/XX/2008. The State of Limitations on this alleged debt, even should it be ours, is 5 years in the state of Florida. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Product: Debt collection

Have n't had a single phone call from this company in nine years. No letters no nothing. Found out a judgment was against me from nine years ago. Called to try to see what the judgement was for and why I have n't heard anything from them. The reresenative XXXX or XXXX was extremely rude would not work with me at all. XXXX talked over me would n't explain things. Was acting in a misleading manner. I tried to give auth for a third party authorization to speak and get information to help with this debt he was rude to her and hung up on her when she asked to speak with someone above him.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ending in XXXX was paid in full with a letter form XXXX XXXX XXXX XXXX XXXX   stating the account was paid in full. letter attached
Product: Checking or savings account

My accounts with Capital One were compromised in XXXX of last year. I have checking and savings as well as a credit card. Everything was cleared up and the money has been replaced. I just want to close my account and get my money back. I have verified the account several times with my ID and they keep telling me to go to the branch, which there are none of in my area. I just want to close my accounts and get my {$16000.00} back. I have been getting the runaround from these people for the last several months. I have submitted my id several times and yet they keep telling me to go to their nonexistent branch.
Product: Credit reporting or other personal consumer reports

I am reaching out to bring attention to a critical issue with my credit report. It contains mixed information, including accounts, transactions, and items that do not belong to me. This has been an ongoing problem, and despite my efforts to address it, these inaccuracies remain. The presence of this incorrect information is deeply troubling and has caused me significant stress and XXXX, as it directly impacts my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. 
My mortgage was transfered to Roundpoint Mortgage in XXXX of 2019. My XXXX payment that I paid to Roundpoint Mortgage was sent to my previous lender. Roundpoint mortgage then issued me late payments. This caused a trickle effect where as I have unwarranted late payments reflected on my credit report. I then changed banks and set up Autodraft payments. I have enclosed my payments for XX/XX/XXXX in the amount of XXXX. XX/XX/XXXX payment of XXXX. XXXX Payment of XXXX.
Product: Debt collection

The name of the company is XXXX XXXX XXXX XXXX the date on the bill is XX/XX/XXXX. XXXX put a lien on my dad 's home. When my dad XXXX  in XXXX the lawyer had to pay XXXX XXXX XXXX to get the lien taking off my father 's house so we could sell it. Now XXXX XXXX XXXX XXXX has sent the bill to another collection agency Investinet , LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the accuracy of this charged off account ( XXXX  # XXXX ) reporting inaccurately multiple months after an account was closed. Re-aging a charged off account is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.

According to the FCDA section 623, This is illegal. Once an account is closed the clause states that it can only reflect charged off or late UP TO the date that the account was closed. Therefore you are reporting Inaccurate information. Not only are you reporting unlawfully and illegally, you are also tarnishing my report that I will be seeking damages for if this problem isnt fixed. The Bureau needs to provide me with copies of all documentation associated with these public record accounts bearing either a court order to place this information on my report or my authorization of release bearing my signature.

By the provisions of the fair credit reporting act, I demand that this item be investigated and REMOVED from my credit report. 
It is to my understanding that you will recheck these items with the creditor who posted these items. Please send me a copy of my credit report XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Equifax credit report and found the following inquiries to be in error : XXXX XXXX ( XXXX ) DATE OF INQUIRY : XX/XX/2021 I never authorized this creditor to obtain my credit report ( s ). This is a clear violation of the FCRA. Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must : Provide complete and accurate information to the credit reporting agencies ; Investigate consumer disputes received from credit reporting agencies ; Correct, delete, or verify information within 30 days of receipt of a dispute ; and, Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month.
Product: Credit reporting or other personal consumer reports

Last year the mortgage on my home was transferred from XXXX XXXX to another servicer without my knowledge and on their initiative, not mine.

My monthly payments have ALWAYS been made on time, through automatic payment with my bank.

During the transfer process, which I was not initially notified about, a change in my payment amount was made by the lender due to an escrow review that happened at a time different from normal. I was not aware of the small increase until a month after it was initiated by the bank. 

The bank has acknowledged that they received ALL of my payments, on time. One payment was a few dollars less than the payment amount, which had increased due to the bank 's review of escrow account. Instead of applying the payment during the transfer, the bank placed it in a pending status because according to them it was for less than the full amount due. At this time I was receiving multiple letters, from XXXX different lenders, every week about account status. I received XXXX notice that said I was past due. I immediately called the lender and was told the problem was nothing to worry about, that it wasn't showing up as past due, and my credit wouldn't be affected. I received another late notice and realized the loan had been transferred so called the other bank. I talked with several people and they figured out the issue with the pending payment, took my payment for a few additional dollars to get the pending payment applied, and told me there would be no issue with my credit report. 

This late payment is the ONLY late payment on my credit report and has a dramatic effect on my credit score. It needs to be corrected. My payment was never late.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) updated from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Incorrectly states I have this derogatory account. 
XXXX XXXX  XXXX Incorrectly states I have this derogatory account.
Product: Debt collection

I have a prior complaint # XXXX in relation to this alleged debt. This company removed the item from all credit reports. On XX/XX/XXXX  I noticed a new item on my credit report, with the same original alleged debt. How could this be? How can the first company delete the alleged debt then sell the alleged debt to another company. It seems very illegal. I feel this is a bio violation of the fair credit reporting act because I did not receive any notification of reinsertion of this alleged debt and how can a company sell a debt they state they will delete and notify the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I requested proof of ownership on XXXX XXXX XXXX but there is none. It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap
Product: Money transfer, virtual currency, or money service

I have received numerous emails ( like the one I have attempted to attach ). They are always using PayPal as the business. This time they have a name of XXXX XXXX requesting the money. Have no idea who this is. There are no transactions on my PayPal account and there never as been with any of these PayPal scams. 

He is requesting a PayPal money request for {$600.00} and indicates the transaction has been approved by them and will reflect on my PayPal activity after 24 hours. Have no idea what it is suppose to be for. The phone number I am suppose to call is XXXX if I did not make this transaction, to cancel it or receive a refund. This number has been disconnected. 

These are fraudulent, annoying and scary emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 

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

Sadly it has become necessary to file a chapter XXXX. I have retained an Attorney and preparations for a bankruptcy filing are being made. My Attorney has instructed me to direct creditors to his office. In XXXX/ XXXX of this year ( 2016 ) I notified several of my creditors of this development and all of my creditors with the exception of one have shifted communication to his office. I have a loan with First Heritage Credit,XXXX, TN XXXX Voice : XXXX Fax : XXXX In addition to making initial notification of the impending bankruptcy by phone to them in XXXX/XXXX. 2016 I also sent them via certified mail on XXXX/XXXX/16 a correspondence which served as my cease communication written notification. I again re-iterated my Attorney contact information in this communication that was received and signed for by First Heritage Credit on XXXX/XXXX/16. This communication also had the following FDCPA excerpt enclosure which highlighted point # 2 : 805. Communication in connection with debt collection ( 15 USC 1692c ) ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- ( 1 ) At any unusual time or place or a time or place known or which should be known to be inconvenient to the 15 USC 1692b 15 USC 1692c 805 15 USC 1692c consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antimeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ; ( 2 ) If the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; My Attorney information is available upon request incidentally. 

Despite these developments First Heritage Credit continues to make collection calls and has now begun to also harass the personal references I provided at the inception of the loan. I have three dated recordings from them ( XXXX and XXXX ) saved on my phone at present. 
Since I am also choosing to publish this complaint I am including this link : XXXX which give a lot of good information about repeated calls to debtors and references as well as a reference to a written cease communication. 
I see multiple violations regarding the conduct of First Heritage Credit in this matter. 
Thank You for the opportunity to file this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, which I brought to the attention of TransUnion on XX/XX/XXXX. Despite my initial contact, I have not received any response from TransUnion regarding the following discrepancies : The account under the name XXXX ( Date Opened : XX/XX/XXXX, Balance : {$190.00} ) is not mine. I request its immediate removal from my credit report. 


The account under the name XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$150.00} ) does not belong to me. I request its prompt removal from my credit report. 


The account with XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$200.00} ) has never been late. I request correction of this inaccurate information on my credit report. 


The account with XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$990.00} ) has never been late. I request correction of this inaccurate information on my credit report. 


The account with XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1600.00} ) has never been late. I request correction of this inaccurate information on my credit report. 


The account under the name XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00}, Original Creditor : XXXX XXXX ) is not mine. I request its immediate removal from my credit report.
Product: Money transfer, virtual currency, or money service

My paypal banned my account yesterday XXXX XXXX My paypal got banned yesterday XXXX XXXX he asked for govt id and i submitted and after few hour my paypal account no longer business help me get my account back.
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681 Violated my rights. XX/XX/2024 XXXX collection XX/XX/2024 XXXX collections XX/XX/2024 XXXX collections. XX/XX/2024 XXXX. 

15 u.s.c 1681 section 602A states I have the right of privacy.

15 u.s.c 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681 c ( a ). ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes antecedents the report by more than seven years.

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

For over 2 weeks, I have been attempting to log into my account to make a payment. I was not able to do so. Attempts to get the correct username on the company 's website do not go through. Resetting the password will work, but not the username. Both require the same information to reset. I have tried calling the company to make a payment as well. They never have a customer service representative available, and you have to leave a message. I have called several times a day on multiple days. They never return my phone call. My payment is now late because of these issues. I will be forced to pay a {$10.00} service to pay my bill if I ever get through to a representative. Not being able to log in is why I would have to pay this fee. From my side, it appears they are doing this, so you are forced to pay late fees and payment processing fees.
Product: Debt collection

To whom it may concern : In response to your previous message, I know you are a third-party company, but I need help understanding why a third-party company is trying to collect what I don't owe them. You don't have my address because I've never received any alleged documents. My email being on records doesn't prove anything, I'm not going to explain anything about this to you, but I thank you for the attached documents. You are incorrect, and so is XXXX. The alleged phone bill is undoctored, right? How is the phone bill less than what source receivables are trying to collect if it's the total bill? These documents prove that XXXX  charged me for a phone they claimed to have given me for free on a promotion they were having, so thank you for that. I had devices paid off on this account, and XXXX  was still collecting for them. The dates don't match up with when the devices were purchased. I will file a complaint with the XXXX  and the attorney general office about this issue. I've already complained to the FTC. Also, I still need proof of my signature on a document.
Product: Mortgage

On XXXX I saw an ad by PRMG recruiting real estate agents to be paid as loan originators XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Is this legal?
Product: Debt collection

COLLECTIONS ADDED TO ALL THREE COLLECTIONS BUREAUS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND IT IS PAID. PLEASE REMOVE FROM ALL THREE BUREAUS. 
XXXX. XXXX XXXX. EQUIFAX XXXX. XXXX
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the payment history. I have asked to have them updated to paid as agreed, paid on time, never late. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL UPDATE EACH DATE FOR EACH ACCOUNT IN THE PAYMENT HISTORY TO PAID ON TIME, PAID AS AGREED, NEVER LATE. YOU MUST UPDATE EACH ACCOUNT LISTED BECAUSE IT IS MANDATED UNDER THE FCRA IMMEDIATELY. YOU HAVE 15 DAYS TO UPDATE THESE ACCOUNTS TO PAID AS AGREED, PAID ON TIME, NEVER LATE FOR.THESE ACCOUNTS OR I WILL BE IMMEDIATELY SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. UPDATE TO PAID AS AGREED, PAID ON TIME, NEVER LATE : ( DEPT OF ED ( DEPT OF ED )
Product: Debt collection

In 2014, I was the victim of identity theft. A fraudulent XXXX account was created in my name. A debt incurred unbeknownst to me and was forwarded to WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX TX XXXX. 

I received the collection notice and filed a police report on XX/XX/2014. I notified the collections agency and XXXX and XXXX. 

Each year since then WAYPOINT has placed a derogatory mark on my credit report. Each year I contact XXXX and XXXX and XXXX to file a dispute and the identity theft paperwork. XXXX immediately canceled the debt. 
Im 2014, I contacted WAYPOINT to confirm that XXXX had deleted the debt. Yet, each year this appears on my credit report. I dispute the report again. Each year WAYPOINT ignores this dispute. Each year WAYPOINT notifies credit reporting agencies without any communication or request for payment from me. 

Attempts to call WAYPOINT have been futile. Attempts to serve emails have been futile. I have received no communication from the company.