23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This bill can not be placed into collections. You are attempting to collect a debt that is not owed. I am a veteran and received outside care outside the VA hospital. 100 % of the cost incurred was to be paid for. XXXX XXXX  has paperwork from the VA that reflects this and they have spoke with a claims representative who confirmed that my cost would be paid for and that they never submitted a bill. XXXX XXXX needs to follow the VA process in order to get paid. This is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts XXXX XXXX XXXX Southwest Recovery Services XXXX XXXX XXXX I want all collection accounts deleted asap! they do not belong to me and Ive provided this company proof over 3 times.
Product: Credit reporting

On my credit report with XXXX it 's showing I have a debt in collections with XXXX of {$100.00} which I do not that information is incorrect.
Product: Debt collection

They a minium of XXXX times a day. Today XX/XX/23 they called at XXXX est. They are calling friends as well. I advised them to stop calling me more than once a day and to stop calling random people. They do not leave voicemails either. They also email more than once a day. This us unacceptable. They refuse to give me a chance to return their calls etc.
Product: Debt collection

I received a bill in the mail from : XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXXXXXX XXXX Phone : # XXXX Fax # XXXX Account # XXXX Current creditor : XXXX XXXX XXXX XXXXXXXX Client Account # XXXX Original Creditor : Santander Consumer USA Inc . 
The Debt collector is stating they are collecting a {$7200.00} debt for original creditor in that amount. I have no idea who any of these companies are nor did I do any business with any of them. I have never obtained any services and/ or products nor did i ever request any loan or credit with any of them ever. They do not give any information of what the balance is for and when the date this account was originally opened or where. It just demands that I pay {$7200.00}. They have been threatening calling my phone and wont tell me who they are or anything. They have lied to me telling me that they are XXXX XXXX XXXX and have started filing criminal charges against me but wont tell me for what without me verifying my identity over the phone, which Im not going to give out any of my personal information to someone calling me and threatening me but wont even tell who they are or what its about. They have recently found and got in contact with my brother at XXXX in the morning telling him that Im in serious trouble and he needs to have me contact them immediately at a completely different number then the number used to text him. They have since then also text message me in the middle of the night harassing me stating I need to contact them immediately but still have not ever said who they are or what this is about. They continue to call my cell phone daily and tell me that they are a law firm and Im in serious trouble and demand i verify my identity without telling me what its about and I refuse to give them any information and disconnect the call everytime. I have blocked there number but they are now calling from another number which is also now blocked but still shows up on my caller id as a blocked missed call.
Product: Credit reporting or other personal consumer reports

In XXXX I had two student loans consolidated. The accounts were bought by XXXX so they showed as closed under US department of education. XXXX is the only account still reporting them as open. I have tried disputing them 4 times with them saying the information is correct. I have proof they were consolidated and should be closed. This is affecting me getting a loan for a home. I need them to report them as closed like they are.
Product: Credit reporting or other personal consumer reports

The Company has the incorrect address for on my credit report causing a derogatory mark on my credit report.

I have spoken to them previously and they haven't removed the address. 

I also reported the issue to XXXX with negative results.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently numerous accounts listed on my credit report that I have NO knowledge of. This was a result of malpractice or an error.
Product: Debt collection

Yes, I tried to talk with company the issue the debt. By phone and we discussed their issue, then I was sent by email a final billing statement. Over the phone she informed me of what the debt in detail. Its utility and carpet cleaning. an all comes up to XXXX {$XXXX} ) Now carpet cleaning u suppose get free cleaning once a year. Not only that I got pics of how carpet was left I carpet cleaned it and my pics shows it. 
XXXX ) My rent is XXXX $ plus utilities. Every month we go to a website that tells us how for that month. 
Example of monthly rent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ this was paid to XXXX XXXX XXXX XXXX ( not late ) During the phone call with XXXX XXXX XXXX XXXX  I said I clean carpet and I will send pics - XXXX XXXX XXXXXXXX XXXX  blocked any info I tried to send. 
They always go after credit even if you pay on time. This amount is when I moved and XXXX months after that was already excluded in rent One received one utilities statement when we moved in I was not given one show the amounts asking for.

The debt collectors XXXX  to report to creditors. If I dont owe the debt why would I talk to the debt collectors national credit system, inc . Debt collectors just want money they cant resolve issue.

So when move-in it was prorated and had to moved in the middle of the month too so I was going to send that same amount XXXX $ anything else is fraud already paid during the year.
Product: Credit card

A couple months ago I called comenity bank regarding my bread cash back credit card. The person handling my call was unprofessional and rude and in return I made statements that the person did not like. 

Consequently I was blocked from calling Bread financial/comenity! 

I am deprived of basic customer support! 

Now my credit card ending in XXXX is blocked due to fraud and I am not allowed to call into the bank to resolve! 

To make matters worse, an online mesaage was sent to me via bread financial website for me to call their fraud dept at XXXX but my number is completely blocked by them! I cant even call in to resolve fraud matter! 

Please investigate this egregious behavior by comenity and bread financial! 

This is blatant XXXX  by comenity!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Lexis Nexis regarding inaccurate reporting on my credit file. I followed procedures in disputing information but they have not responded. I have called, emailed and even written them requesting that this negative information be removed. They simply refuse to remove it.
Product: Debt collection

This was paid on XX/XX/2014 directly to XXXX of XXXX. Financial manager never removed it from collections, as she said she would XXXX.
Product: Debt collection

I am reaching out because I had my credit recently pulled and I was informed I had a collectio with Allied business Services that I was unaware of. I reached out to the collection company and asked them for documentation regarding debt & after speaking with them, I was able to verify with the original medical provider that I had paid this debt already and thus, Allied Business Services is not only inaccurate reporting a collection on my credit but is trying to unlawfully collect on a debt that has already been paid.
Product: Credit reporting

items that was deleted due to proven identity theft have been reinserted onto my credit report for the second time after being transferred back and fourth betweent he same XXXX companies. i also asked in writing for fraud alerts to be removed and they never removed them
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been listed on my credit report. Upon reviewing my report, I have noticed several discrepancies in the information that has been reported. 

Firstly, the account with XXXX  ( account number XXXX ) is inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Secondly, the account with XXXX XXXX  ( account number XXXX ) is also inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Thirdly, the account with XXXX ( account number XXXX ) is also inaccurate. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. I kindly request that you fix or delete this account from my credit report completely. 

Furthermore, the account with XXXX XXXX ( account number XXXX ) is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. The same goes for the account with XXXX/XXXX  ( account number XXXX ). 

Lastly, the account with XXXX XXXX  ( account number XXXX ) and XXXX XXXX account number XXXX ) are also inaccurate. There is no record in my possession that these accounts belong to me. You must remove this inaccurate information from my credit report without any delay. 

I would like to request that you investigate these matters as soon as possible and take the necessary steps to correct these inaccuracies. I appreciate your assistance in this matter. 

Thank you for your attention to this matter. 

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

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, XXXX, and XXXX XXXX, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Product: Checking or savings account

My paycheck is direct deposited into my checking account on Wednesdays however it is now Friday evening and I still do not have my paycheck ( XXXX XXXX ) direct deposited. XXXX did not send an email notifying me of any problems until XXXX Thursday night. The email only states the problem is with a 3rd party vendor but does not give and ETA on when I will have my paycheck available. Im getting all my information through online media outlets and no updates through XXXX. Most of XXXX customers live paycheck to paycheck this has put me in a financial disadvantage and the entire way this is being handled by this bank is very unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America Acct XXXX. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 at XXXX, all of my money was taken from my bank account and transferred to @ XXXX for the amount of XXXX I contacted Chime XXXXXXXX the same day and filed a dispute and on the XXXX they denied my claim and will not refund my money.
Product: Mortgage

We stopped making mortgage payments starting in XX/XX/XXXX after my wife lost her job. Due to income setback we requested a loan re-modification with OCWEN Mortgage. We started working with a real estate agent who assisted with the paperwork. Once OCWEN was satisfied with the documents they kept requesting, they set trial payments of {$1100.00} for 3 months then the payments would drop to {$1000.00} till XXXX. OCWEN called stating the 3.75 % interest rate will be changed to 3.875 % and the payments will now be {$1200.00} and they have no knowledge of the {$1000.00}. When asked who required the change the rep stated it was the V.A. I checked with the V.A. and they stated they have nothing to do with this and that they have not had a report from OCWEN since they took over the loan from XXXX XX/XX/XXXX. We do n't believe OCWEN should be able to change things after documents were signed and notorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Carrington Mortgage and was informed they did not know why a recent credit update was not sent to the credit bureau. I was informed to contact the credit bureau. The mortgage shows no more than two months past due and a past due amount. Incorrect.
Product: Credit reporting or other personal consumer reports

Equifax and its affiliate XXXX XXXX XXXXXXXX is not updating fairly or properly. My fico scores are drastically dropped which hinders my financial opportunities. Equifax and its affiliates is reporting that my accounts on Equifax are in good standing but score is drastically dropping ie from XXXX to XXXX on Equifax. 
According to Equifax and its third party affilate nothing has change and payment history is good then why isn't Equifax notifying XXXX XXXX XXXXXXXX of accurate status which is all accounts are in good standing. Iam asking for this issue to be corrected as my financial opportunities are in danger and causing problems for future financial aid or assistance. 
In addition there are inquires that I did not authorize that's on Equifax and XXXX XXXX in platform. 
Lastly if there is no reason for change on report and score why is why score so drastically low. I will allow the stipulated time to have this issue corrected after that I will persue legal action starting with the credit bureaus in question and its affiliate. This issue is going on for years and i will get Washington credit representatives involved this has to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle from GM-financial. 
After returning the car to the dealership I was waiting for a final bill. 
I would call them periodically to find out whats going on and they told me that the dealer hasnt docked my car which i think means the dealer hasnt returned it to the leasing lender. 
About 3 months later I was billed and paid the bill right away. 
GM-Financial has reported a late payment on my credit report. ( Less then {$10.00} ) This late payment affected my score drastically as it lowered it by more then 50 points. 
I have disputed the late payment with the credit Bureaus and the late payment was removed but showed up again a month later as if the lenders system pushes it back in there automatically. 
This has been done twice. 
I spoke to GM financial over the phone multiple times this past year. 
They have mailed back and forth with their credit department and I was told the credit department has removed the late payment from my report. 
For some reason this late payment still shows up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a XXXX  XXXX, I am eager to establish a savings account for my XXXX  child with a credit union. However, I have been denied this opportunity by an institution due to negative information present on my ChexSystems report. Upon reviewing the report, I have discovered an account and inquiries that were opened without my knowledge or authorization. This fraudulent information is reflecting on my report as a result of identity theft and needs to be removed immediately. The fraudulent account on my consumer report is with XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MO XXXX. I am certain that this account is not of my doing as it contains erroneous information, such as an incorrect spelling of my middle name and an inaccurate version of my current address associated with it. Furthermore, I did not open an account with XXXX XXXX XXXX, making this activity not only fraudulent but also completely unauthorized. The discrepancy between my accurate identification documents and the reported information is evident, and it is IMPERATIVE that you conduct a thorough review to rectify this matter. 

I have also identified XXXX  unauthorized inquiries being reflected on my ChexSystems consumer report as a result of identity theft. The details of these inquiries are as follows : Inquiry : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Inquiry Date : XX/XX/XXXX Address Provided : XXXX XXXX XXXX XXXX , XXXX XXXX , MO XXXX XXXX : XXXX, Texas Address : XXXX XXXX XXXX, XXXX XXXX , TX XXXX XXXX Date : XX/XX/XXXX Address Provided : XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX Inquiry : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX Provided : XXXX XXXX XXXX XXXX , XXXX, MO XXXX I can assure you that I have never resided at any of the addresses provided in these inquiries. It is evident that this information is fraudulent, frivolous, and inaccurate, and I urgently request its removal from my ChexSystems report. 

In light of the above discrepancies and identity theft involved, I hereby request that you provide me with all relevant documentation related to the opening of the XXXX XXXX XXXX  account, including any signed contracts or agreements, and any information associated with the abuse of the account and my personal information. 

Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I have attached a copy of my FTC identity theft report, my identification documents ( driver 's license, social security card ), and my most recent utility bill, which reflects my address. I kindly request that you investigate this matter promptly and thoroughly. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.
Product: Debt collection

In XX/XX/XXXX, my mortgage was transferred from XXXX to Rushmore Loan Management Services. I paid my regular mortgage amount ( XXXX ) with no problem. In XX/XX/XXXX when I attempted to pay my mortgage I was told that was the incorrect amount, that my mortgage was XXXX. I disputed this amount and asked that this discrepancy be investigated. On XX/XX/XXXX, I paid the regular payment ( XXXX ) and was advised that the reason for the additional amount owed was because I had requested and received a loan modification from XXXX  that INCREASED my interest rate from XXXX to XXXX! I assured them that I had not requested a loan modification, that no one requests a modification to INCREASE their interest rate, and that Rushmore must produce the paperwork because I had NOT signed any such modification agreement. Rushmore said they would continue to investigate. I began receiving past due calls from Rushmore and on XX/XX/XXXX, under threat of Rushmore beginning Foreclosure proceedings, I paid the additional {$77.00} with the request my additional funds be refunded to me when Rushmore got this straightened out. 
Early XX/XX/XXXX I received an Audit letter from Rushmore dated XX/XX/XXXX acknowledging their error and saying my payment was correct at {$460.00}. They said the correction wouldn't take place until XX/XX/XXXX but if this created a hardship I should let them know. I let them know. 
In XX/XX/XXXX I continued to get past due calls from Rushmore saying they had not received any payment in XX/XX/XXXX. I disputed this and provided them confirmation numbers for my payments and I requested the {$77.00} over payment be refunded to me. Because I am on a fixed income on XX/XX/XXXX, I paid my loan for the regular amount ( XXXX ) explaining to the Representative that I had a letter confirming this was correct. After she put me on hold to research this and check with her supervisor, she came back and took my XXXX payment. 
The XX/XX/XXXX statement I have from Rushmore shows an amount due of XXXX showing the XXXX past due. The second page of the statement shows the two payments made in XX/XX/XXXX of XXXX and XXXX. 
I just received a letter dated XX/XX/XXXX from Rushmore that is " Notice of Intent to Foreclose ''  stating the my mortgage is in default due to non-payment of the XX/XX/XXXX payment and stating that my regular monthly payment is XXXX. 
To cure this " default '' I must pay XXXX by certified check and that the total amount due is {$1000.00}. Failure to do so by XX/XX/XXXX will result in acceleration of the loan, foreclosure and sale of the property. 
I consider this harassment at this point. I have not only paid the XX/XX/XXXX mortgage and the additional error amount which they show on their XX/XX/XXXX statement, but I have also paid the XX/XX/XXXX correct amount noting that to pay the additional error amount would create a hardship.

I continue to receive past due calls from Rushmore even though the letters and statements I have from them show my payments and correct amounts due.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

While buying my new phone, they refused during credit check as there was something wrong with my account. I checked on Credit union and Clear score, and my information was correct there but on Equifax, only my name and Date of birth are correct rest of the information is incorrect. this is very ridiculous and affecting me.