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

I found out about my collection amount just this XXXX when i was in the process of refinancing my house and it showed in my credit report about quantum collections. I never received any notification regarding this account, per quantum collections the mailed me a letter last XXXX which i never received and no attempt has been made there after. Upon learning about this i immediately settled my account with them in full amount of {$100.00} and asked to be removed from my credit report but they have not been compliant as they give me reasons that covid happened and their office was closed after they sent out a letter. They should have tried reaching out to me as soon as they opened and gave me a chance to settle my account. This is against the law, that a collection will just appear on my credit report without proper notification. I hope you respond on this matter as i have done my part as a consumer by paying off my account even though there were lapses on their part in notifying me. 

XXXX XXXX Quantum collections las vegas account no XXXX
Product: Debt collection

I have been trying to negotiate a debt settlement with my original credit card company ( XXXX XXXX XXXX XXXX XXXX ). In the midst of this negotiation, I received a notice from that original credit card company stating they sold my debt to a specific debt collection company ( XXXX XXXX XXXX XXXX XXXX ) and that company was prohibited from reselling my account to an entity other than to an affiliated entity without the approval of the original creditor. 

I sent a negotiation letter to that debt collection company as soon as I received the letter from the original creditor. Soon after, I started getting collection phone calls from a different company to my place of employment. I then received a notice in the mail from that different company ( Stoneleigh Recovery Associates ), telling me that I need to send payment to Stoneleigh. I sent them a verification letter on XX/XX/2019. To date ( XX/XX/19 ), I have only received copies of my credit card statements and a notice stating that Stoneleigh was permitted in the State of Massachusetts. However, I do not, nor ever received, a letter stating that they are authorized by the original creditor to collect the debt. The 2nd debt collector has bad marks about their unsavory debt collection practices and I don't trust them. The 30 day period is over for giving me this information.
Product: Debt collection

I sent a debt verification letter to the company to verify this debt. I have not heard back from the company verifying the debt. I do not think this is accurate and is being falsely reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account in negative status. I have requested time and time again ( via disputing with XXXX, XXXX and XXXX ) for the credit reporting agencies to conduct an investigation regarding the validity of this debt ( original signed contract, etc. ). However, the credit reporting agencies all claim that the debt is verified, but I have no documentation showing that I signed a contract for this card, or any proof corroborating their claim. Is it possible that the credit reporting agencies will provide me with this information ( if it 's available ) for verification of the debt? XXXX XXXX has not provided anything to me, nor has XXXX, XXXX and XXXX.
Product: Debt collection

I received a notice of collection from CBSA of a debt from XXXX XXXX XXXX XXXX in XXXX, Texas. However, I have not received services from that office. I have only been to one clinic in the past year and that was in XXXX, Texas, which has billed me for their services. I asked for an itemized receipt and that business was not listed on there. I took a closer look at the address to me, and they even spelled my last name wrong, but my name is correct on the XXXX XXXX XXXX XXXX. I tried to go to the website of XXXX XXXX XXXX XXXX, however, my browser detected that the website was not secure, and that scammers may be targeting my information. I also tried to go to the website of CBSA, but it was not working either. That is when I began this complaint.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a solar system from XXXXXXXX XXXX  in Pennsylvania. I believe their company was based out of New Jersey. I signed on with a payment plan and a sign on promotion of {$2400.00} and and {$1000.00} referral bonus. Immediately upon signing the finance contract with Sunnova ( finance and warranty company ) and XXXX XXXX the installer XXXX closed. I never received my sign on promotion and referral bonus. Ive reached out to XXXX but they are closed. Ive reached out to Sunnova and they tell me they arent responsible for the promotions. So Im at a financial hardship after only signing this contract to receive the enhanced sign on promotions and now Im stuck in a XXXX contract XXXX cant get out of. I just want Sunnova to make this right and reimburse me for the agreed upon promotions.
Product: Mortgage

To whom it may concern ; Can you assist? In XXXX ( XXXX ) I was notified of a mortgage increase of ~ {$300.00}, going from {$1600.00} to {$1900.00} beginning XXXX. When I inquired, i was told it was based on escrow prediction to compensate for XXXX Tax and insurance payments. The predicted difference equates to ~ {$3600.00}, which the increased the monthly mortgage payment without giving me an option to make up the difference. 
I request to pay the difference lump sum to prevent me from having a hardship making the monthly payments. They refused and said it was not an option, and that all I could do was pay a shortage amount of {$1500.00}, and my monthly would only be adjusted to {$1800.00}. I pleaded with Freedom and explained the monthly increase would create a hardship, and I could pay the full amount of the projected monies to compensate for the predicts and maintain my manageable monthly mortgage of ~ {$1600.00}. They refused. 
I sent the {$3600.00} ( XXXX ) to escrow of which they added to my account on XXXX they initiated an escrow refund ( see XXXX ). It is apparent that Freedom is not interested in working with me for there payment, however it is apparent they are creating a hardship for which I could lose my home. 
Can you assist? If they have the monies to compensate for their predictions, and keep my monthly payments manageable, why not unless this is considered a predatory action to force the loss of my home. 
Please assist. 


Re XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. 
Please delete account XXXX XXXX Account # XXXX for violations of FCRA Section 623 for Failure to enter Notice Of Dispute by XX/XX/XXXX You received my complaint on XX/XX/XXXX, XXXX XXXX is violating specific laws continuously 15 USC 1681 ( E ) ( B ) Accuracy of Report According to Cushman vs TransUnion 1997 TransUnion XXXX XXXX, and XXXX XXXX supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( 2 ) ; 15 USC 1681 ( i ) 5 ; 15 USC 1681 ( E ) ( B )
Product: Debt collection

I would like to draw your attention to the account that is erroneously listed as a late payment account. After reviewing my report, I found discrepancies in the accounts listed below. I contacted the creditor to obtain validation of the debt, but they didn't provide any supporting documentation. I request that you provide concrete evidence of the late payment status, and if such evidence is not available, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Amount placed on collection is XXXX, XXXX dollars reported by XXXX on XXXX XXXX, XXXX, they knowingly reported a collection as delinquent which has adversely affected my credit, this is a workers comp case which is still pending and this should have never been placed in collections, this is a violation of the FCRA and this needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent inquires as I have no knowledge of any of these inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit that are unauthorized. By law, that debt has to be verified. Ive sent dispute letters to all 3 credit bureaus and will attach it with my complaint as well.
Product: Credit reporting or other personal consumer reports

The Following Accounts Were Opened Fraudulently Without My Permission Or Authorization, I Demand For Them To Be Removed Immediately By Law XXXX. XXXX XXXX - Account Number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX INQUIRES XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ADDRESSES XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX. XXXX XXXX XXXX XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX
Product: Credit card

1. From XX/XX/XXXX to XX/XX/XXXX, approximately {$3000.00} in purchases were made fraudulently on my Amazon XXXX account. Amazon XXXX has removed any evidence of these charges and my credit card ( Amazon XXXX Visa ) is asking me to identify the vendor and amounts in dispute, but I am unable to check these since Amazon XXXX will no longer let me see charges during this time period.

2. Some charges have been refunded, but others have not. Not all
the refunds that Amazon XXXX says they have made have shown up as credits on my credit card. I have been required to pay for these things that I did not order. 
3. Each week after I reach out on the Chat feature to request information, Amazon XXXX sends me an email saying that my financial institution will send me forms to dispute charges.

4. My financial institution says there are no such forms. Additionally, Amazon XXXX Visa says that I must identify the vendor, date, and amount - something I can not do since I did not make the charges and I can not see the record of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX Consumer Dept - XXXX XXXX and several other agents that worked in the consumer department gave me a difficult time, hung up in face several times, provided me with false inaccurate information, delayed my investigation, received false verbal consent from creditors which led XXXX to report false inaccurate fraudulent account on to my credit report for at 6 months and refused to cooperate with me making my life a living hell. I mailed ceritified letters, and faxed several documents in just to be going in circles.
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Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. Discover 4. XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the year 2022 I went with good intentions to buy a car at XXXX XXXX in XXXX. I have been affected in my finances and my credit with the inability to obtain a home for my family since this problem has destroyed my life and my credit. The dealer did deceptive, unfair and deceitful acts when selling me this car with compressor problems. I am a family man and I live in XXXX where the heat is strong. This account is fraudulent. 
The account on my credit is XXXX XXXX  XXXXBalance : {$15000.00} Account XXXX XXXX
Product: Debt collection

Was this contact made in person? Can you verify it was me? I do not go to XXXX. I have a XXXX XXXX  through XXXX. You may have spoken with someone but it was not me. I would not consent to treatment at XXXX if I was coherent. I'm sorry but I do not owe this debt. I will not be paying for something I have no recollection of. I never disputed it because I never knew about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under The Fair Credit Reporting Act : EXPERIAN AND XXXX furnish false/inaccurate/unverified accounts against my wishes, namely : XXXX  # XXXX, XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference XXXX XXXX XXXX Certified Credit Report, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX and Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXa XXXX and XXXX XXXX XXXX All of these unknown accounts has violated my rights and cause me injury and damages. In addition, 15 USC 1681 section 602 A, states a consumer reporting agency can not furnish an account without consumer 's written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account Midland Credit Management has violated my rights. 

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I have received several calls lately from 2 debt collection agencies in reference to the same account. Both of these companies have called several times and threatened to sue me and garnish wages, etc. I've asked them both to please stop calling and harassing me. I've asked them to submit any and all information to my mailing address. I've also informed them that I do not know of the debt nor am I responsible for the debt. The 2 companies are D2 Management LLC & XXXX XXXX XXXX 
D2 management have mailed me a letter and the letter was mailed and received after the respond date that the company provided. I am attaching a copy of the letter as well as a copy of the dated stamp envelope that the letter was mailed in. 
As for XXXX, their representative continues to call several times a day and threatens me, but refuses to mail or email me anything in reference to this bill. 
Neither company has provided any proof that they have proving that this bill is mine. I've asked several times, but hasn't received anything but threats and harassment. XXXX refuses to provide me with an a physical address or location of their company. The only thing I have of XXXX is a phone number of XXXX, they've called from several phone numbers on a daily basis.
Product: Debt collection

I received the Hearland Resolution Group debt collection letter said I owed to XXXX XXXX XXXX XXXX XXXX amount is XXXX by Original Creditor : XXXX XXXX XXXX XXXX as of the Date of Service XX/XX/2014. I didnt go the hospital which they said the Date so it was not my bill it was someone who used my personal information for the Emergency Serviced. I called XXXX XXXX XXXX who told me my date of birth was not collected.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report in EXPERIAN. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 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
Product: Debt collection

The IQ DATA INTERNATIONAL company collects the debt that I do not owe. The amount keeps increasing without any notice. 
I have disputed to XXXX  to original creditor XXXX Original Date : XX/XX/2019 Current Date : XX/XX/2019 ( From Credit Report )
Product: Debt collection

XX/XX/2021 I recieved a letter in the mail dated for. XX/XX/2021 stating an owed debt of {$620.00} from Radius Global Solutions, a third- party debt collector for XXXX XXXX XXXX ( USA ). The debt was previously settled with XXXX XXXX XXXX ( USA ) on XX/XX/2021 and was cleared as PAID, therefore it is illegal that this company pursue any further action to collect debts. Radius Global Solutions was contacted via phone to resolve the debt which was paid to XXXX  XXXX XXXX  ( USA ) on XXXX XXXX. The debt collector was not willing to remove without first verifying address, social security number, and birthdate. All 3 things required to be verified in order to apply to the credit report. I also asked if they could let me know if it could actually be resolved by showing the debt was paid the supervisor I spoke with replied with, '' I can't say unless you verify the remaining information ''. Once again this debt shows as paid to XXXX XXXX XXXX ( USA ) on my credit report. 

A fourth party creditor, XXXX XXXX XXXX, to a 3rd party creditor XXXX XXXX XXXX is also attempting to collect a debt from the original creditor XXXX XXXX XXXX ( USA ) for a balance of {$330.00}. The debt was settled with the original creditor and once again this is an illlegal practice to sell a debt which is no longer owed. I'm requesting that the debt collection be withdrawn due to the illegal and unethical practices being taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$9100.00} XXXXXXXX XXXX  XXXX Balance : {$4000.00}
Product: Credit card

My XXXX credit account with the holder as TD bank went through an online system transfer. After this account transfer they watermarked a portion of the account as standard revolving interest in XXXX of XXXX ( {$170.00} ) when it should have been 0 % interest and because of that I was charged interest over the course of XXXX months on that balance that I should not had been charged. 

I called them on XX/XX/year> to inform them and was placed on hold multiple times for call totally upwards of XXXX hours ( no fault of the customer service rep, fault of their systems/processes ) until they finally told me they could open a dispute which would hold the aforementioned portion preventing it from accruing interest. They also told me they would refund the interest charged if determined to be incorrect. 

After the dispute period which lasted roughly 60 days ( I received a mailer referencing the dispute amount being resolved ) they refunded the interest and moved the incorrectly watermarked portion to a 0 % payment plan ( as it should have been marked from the beginning ). However, they then charged me interest again in XX/XX/year> that I should not have been charged at {$3.00} on what I can only assume was interest that would have been charged otherwise ( again, incorrectly ) on that disputed amount. I again had to call them to get the interest removed after which I was told I would have to put in another dispute for the {$3.00}. I told them that was unacceptable and to let me speak to a supervisor. I was then told after being on the phone for XXXX minutes that a second supervisor would waive the {$3.00} incorrect interest charge. 

I feel their policies suffer undue and unacceptable hardship to the consumer and that had I not been exceedingly diligent, they would have gotten away with multiple incorrect negligent charges, which at scale could afford them substantial profits potentially fraudulently but certainly negligently, and so I am filing this complaint today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that do not belong on my credit report such as fifth third bank, XXXX XXXX and several more.
Product: Credit reporting or other personal consumer reports

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX # XXXX ( {$7600.00} ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ) I have XXXX student loans on my XXXX, XXXX and Experian consumer report and these accounts are due to fraud. The accounts were open in XXXX which is proof of fraud due to me being incarcerated during the year of XXXX. I was incarcerated and sentenced in XXXX of XXXX, served with XXXX years in the XXXX Department of Corrections. I have documentation from the XXXX  XXXX Circuit Court Clerk 's Office to support what I am reporting. I have never asked the creditor for a loan I have never signed any loan agreement I deny any ownership of the student loan accounts. It is physically impossible for the accounts to belong to me for as I was away in prison during the year of XXXX to be exact, I was away from XX/XX/XXXX to XX/XX/XXXX is when I was released. 

Please provide ANY documentation that proves these are my accounts as I attached Sentencing documents from the court. Along with a FTC report to have these removed ASAP.
Product: Credit card or prepaid card

I made a purchase on PayPal and did not get what was described as promised. I contacted PayPal to have them refund my money and they did not. The charge was done on XX/XX/18 to XXXX XXXX for {$2000.00}. They did not provide services as promised. The payment was done via PayPal.
Product: Checking or savings account

I'm wellsfargo customer with checking account. On XX/XX/year> I receive direct deposit payment from my employer to cover my bills. WellsFargo held on to my direct deposit so they can apply two XXXX. XXXX dollars overdraft fees totaling XXXX dollars. I called wellsfargo customer service to try resolve XXXX dollar fees back to my account and they refused to rectify error.