23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter XXXX XXXX XXXX saying I was going to be placed in collections for money owed to XXXX, XXXX A MD, XXXX. i called on XXXX/XXXX/XXXX and spoke to a person by the name of XXXX. I explained to XXXX that I do n't know who this doctor is, that I never made an appointment with them, I did not sign any forms giving consent of treatment and that I want this company to send me proof that I did any of these things. She was very rude on the phone and told me that she would send me the proof. I have not gotten any proof but I did receive another letter saying I owe this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I contacted Comenity Bank Credit Card to dispute them decreasing my credit limit on XX/XX/XXXX from {$8200.00} to {$750.00}. This negatively impacted my credit score, dropping my score by XXXX points. XX/XX/XXXXXXXX XXXX XXXX I paid off the entire balance on this account. I did not realize that a small interest of {$32.00} had posted on the account on XX/XX/XXXX. This missed interest payment created 2 late fees of {$40.00}. When I realized this happened, I contacted XXXX. They reversed all lates fees. I paid the {$32.00} interest on XXXX 
After that, XXXX drastically decreased my limit from {$8200.00} to {$750.00}, drastically impacting my credit score. I requested that my credit limit be restored to the full {$8200.00} on XXXX. XXXX replied by stating that they reviewed my credit report and due to negative reporting ( by them ) they would not restore the limit. All of the my accounts were good standing. XXXX reported bad information on my credit, then used their bad data to make the decision not to restore my credit limit. I am asking CFPB to help assist in this situation and to be made of aware of this abusive practice.
Product: Checking or savings account

Hello, I am a recent widow and on XX/XX/22 went to my local credit union to open up a money market account to deposit the life insurance check I received for my husband. Upon doing so I decided to have the bank also remove my deceased husband from my checking and savings account and put my daughters name on the account with me. 
The banker XXXX XXXX informed me that see could a SS check was deposited into my checking account on XX/XX/22, which is four days after my husband passed away. 
My daughter told XXXX that we called SS in early XXXX to notify them of the death and they told us that the checks run a month behind and that I would not be responsible for paying anything back to them. We also informed XXXX that I was not paid anything in XXXX and in XXXX started to receive my survivor benefits. XXXX told me that her back office said that it didn't matter when my husband died that the {$1800.00} needed to be returned to social security. She also said that I had money in my savings account so it shouldn't be that big of a deal while I wait for XXXX  to send me that money back. Again, my daughter told them that money should not be touched and we were going to call and verify again and come back. 
XXXX also mentioned that SS gives customers lots of misinformation so they did not tell us the correct information ; despite my daughter checking the XXXX  webpage and reading word from word that what I was told was correct ; I was entitled to the money deposited in XXXX. Needless to say I became very upset and my daughter again asked for the money not to be touched and escorted me out. 
We left the branch to call and also to go collect the letter I did get in the mail from the XXXX. Upon getting home I checked my account online and saw that the bank withdrew the {$1800.00}, despite my daughter asking them to hold off. My daughter called the branch and asked to speak with the manager, who we were told by XXXX that was not in, she then asked to speak to the Asst. Branch Manager, who XXXX also said was busy. He asked for our number and said she would call us back. 
We got a phone call from XXXX about five minutes later, who did apologize, however she said she was told to withdraw the money from the account, otherwise they were liable. 

My daughter told XXXX again, that XXXX confirmed that money was for the month of XXXX and that I was 100 % entitled to keep it. They said that the bank overstepped and should not be withdrawing any money from my account. They did not need any money returned and if they did, they would contact me directly. I asked XXXX to please put the money back in the account and she told me that could not. To have this money removed without my consent days after XXXX right before my mortgage and other large bills are due to be paid is incredibly stressful without disregard for the emotional toll this would inflict on me.
Product: Debt collection

in response to you're company from the letter you have sent, and a pile of statements showing from synchrony bank. under the fair debt collection practices act ( FDCPA ) its unlawful to design compile and furnish any form knowing such form would be used and create a false belief in a consumer. that a person other then a creditor of such consumer is participating in a collection of or an attempt to collect a debt. such consumer allegedly owes such creditor when in fact such person is not such participating. ( reference 15 usc 1692 j ( a ) ) Resurgent Capital Services is making a belief that the company is collecting for Synchrony Bank by sending alleged statements when in fact if the creditor was in attempt to collect a alleged debt they would not have sold out the debt to Resurgent Capital Services. 

please provide and produce the following! 
.a contract that i have with Resurgent Capital Services to show i have any business to discuss. 
.total amount the Debt was sold for .audit trail for full accounting on and off ledger. 
.Name and address of the original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

BestBuy/CBNA has not updated the payment status on  XXXX   &   XXXX  to paid.   XXXX   is still reporting " Bad debt & placed for collection & skip '' The balance is  XXXX .
Product: Credit reporting

I mailed written request for verification of alleged debt to XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX and Equifax XXXX XXXX XXXX. XXXX noted duplication on report and sent notice of removal of record regarding XXXX yet it remains on report. See attached. 

XXXX has failed to provide my dated signature for this alleged debt. 

This alleged debt is listed as being created in XXXX of 2009. According to statutes, the debt, alleged or otherwise, should be removed after 7 years. I respectfully request the alleged and inaccurate debt be removed from my credit report.
Product: Debt collection

I have a debt with a collection agency for almost 2500.00. I broke a lease 3 years ago I went to court and no one showed up from the apartments I moved out of so the court dropped the case. I tried to get an apartment now and Im getting denied because this is on my credit so I have called the company that owns the debt and they refuse to send information on the debt I also agreed to set up a payment plan but they refuse to send proof in writing that I have set up a payment plan. I have since emailed them multiple times trying to settle the debt and they will not respond to my emails.They also informed me over the phone that the balance goes up each day that its not paid. The company is a collection agency Hunter-Warfield
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXXXX/XX/XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$990.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a part of EquifaxXXXX, I am trying to get my required one free copy of my credit report from all 3 companies through the XXXX which is the federally recognized site for such a free copy once per year. HOWEVER, 1 ) XXXX is not available as an option, it is grayed out so it cant even be checked. 2 ) Equifax makes you fill the entire form out, answer your security questions and then upon verification REFUSES to provide the free report online but is making you mail in your request with all kinds of additional documentation. 3 ) XXXX - after filling out the required form, I am sent to XXXX 's website to obtain the free report, however, the page is gray with the word " loading ... '' on it but after 5 minutes, and repeat attempts, it never gets past this page ... .YET IF I GO THROUGH XXXX XXXX PAID OPTION and pay the initial monthly {$5.00} fee ( {$25.00} every month thereafter if you forget to cancel ), somehow, magically, I am able to get my credit report from XXXX and the other 2 .... WHAT THE XXXX GUYS! THIS IS INSANITY AND XXXX. PLEASE HELP US CONSUMERS FIX THIS AND HOLD THESE COMPANIES FEET TO THE FIRE, THIS IS NOT OKAY.
Product: Credit card

I went active on XXXX XXXX XXXX and in XXXX XXXX, I applied for SCRA from American Express, and in XXXX XXXX  It stopped. I called countless times to find out why I was cut off and was told I could only use it for 12 months. I then asked why my other bank doesn't do the same because I have been using XXXX  with XXXX others up to this day. The representative does not give me an answer which I asked them if I could apply for XXXX and I did. Only for them to send back that I am not qualify for XXXX or XXXX been asking why for the past 1 year but no answer. They refuse to cut down my from XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to report a serious issue with my credit report that has not been resolved by Experian despite multiple attempts to rectify the situation. I have sent several letters to both credit reporting agencies regarding inquiries and accounts on my credit report that are fraudulent and have been opened without my consent. 

Among the inquiries that are listed on my credit report, there are XXXX accounts related to XXXX that I did not apply for. These accounts are clear cases of fraud and identity theft, as I have never had any dealings with XXXX nor have I ever applied for any services with them. Additionally, there is another account related to a bank that I did not apply for. 

I have provided detailed information in my letters to Experian and XXXX, including the name of the person responsible for these fraudulent accounts, who is my cousin named XXXX. Despite providing this information and requesting that these accounts be removed from my credit report, they have not taken any action to address the issue. 

I am deeply concerned about the impact that these fraudulent accounts are having on my XXXX XXXX and XXXX XXXX. I request that the Consumer Financial Protection Bureau investigate this matter and intervene on my behalf to ensure that these fraudulent accounts are removed from my credit report promptly. 

I have attached copies of the letters that I have sent to Experian and XXXX for your reference. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your assistance in addressing this serious issue.
Product: Credit reporting or other personal consumer reports

These accounts were charged off on the following dates ( XX/XX/2023 ) ( XX/XX/2023 ) Since then the accounts have repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate these accounts properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX : Account Number XXXX 2nd Account - Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and Equifax Credit Bureaus last XX/XX/XXXX  to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX Balance : {$600.00}.
Product: Debt collection

XXXX - XXXX XX/XX/2019 amount $ XXXX account .My report includes accounts with a reported name that is different than mine. 
I dont recognize the accounts in question. 
The report shows I owed money to the company that is not mine. 
The current status of my account is not correct.
Product: Credit reporting or other personal consumer reports

15 USC 1681 refers to the Fair Credit Reporting Act ( FCRA ), a federal law enacted to promote accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It regulates how consumer reporting agencies collect, use, and disseminate consumers ' credit information. 
This is not my Address on this paperwork sent back to me and I DO NOT OWN A XXXX XXXX BY LAW YOUR SUPPOSE TO REMOVE THIS OFF MY CREDIT PROFILE. THIS IS NOT MY ACCOUNT, NOT MY ADDRESS AND I DON'T HAVE THAT CAR. I WILL BE FORCED TO TAKE LEGAL ACTIONS NEXT. IVE NEVER EVER DONE ANY TYPE OF BUSINESS WITH XXXX
Product: Credit card or prepaid card

OnXX/XX/2021 at XXXX XXXX  I was charge for something I didnt make for XXXX I called the bank and the bank did an investigation and didnt find any fraud activity.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX, Acct # XXXX, Paid in Full and Closed XX/XX/ please remove this account off my report I did not give permission for this to be put on my report or stay on my report.
Product: Checking or savings account

I received a notice from Bank of America that an account was open in my name that was overdraft XXXX. Then the next day I was sent a letter that that account was overdraft XXXX then the next week it was overdraft XXXX. I reported the account be closed immediately to regulatory affairs and management and the contacted me and assured me it was frozen and that I would receive no contact from them further. Even after I began receiving letters which meant it wasnt froze or someone unfrozen it and is stealing from a fraudulent account in my name. There is no way an account can do that and remain open yet the bank kept it open anyway even after I sent them a fraud report from the federal government homeland and the FTC. The XXXX wives in particular and XXXX employees are known to do this to military. They bully military in the banks. They know its not possible for an account to do that yet they kept it open even after I provided legal information that should have kept it closed.
Product: Mortgage

In XXXX I purchased my home through a FHA loan to XXXX mortgage. Moved to XXXX in XXXX. XXXX & XXXX sold my account to a different bank which was not able to contact me ( as I was living in XXXX and again sold the account to a loan service provider in XXXX. Since XXXX the mortgage has been sold from aone service provider to other, each one increasing my payments or adding special taxes not aplicable for houses in XXXX XXXX. The new lender called Click & Close again is charging me more than what they should so I requested them copy of the contract to verify the amounts of money they are charging me but they dont send me any evidence of a valid contract. They keep sending me the original contract ( Deed document ) I signed back when I purchased my home, in XXXX, and other documents I signed with XXXX Mortgage but they dont provide me evidence of the amount of money owed at the moment they bought the account for me to confirm why they charge me such a high monthly payment and taxes. They can't charge me that amount as Ive been paying my house for more than 20 years. It doesnt make any sense that XXXX  years later Im paying more than before. Please help as I believe this company is illegally charging me money unrelated to my home mortgage. I dont believe they even know how much is the remaining balance for that loan ( just a few years more ) .I have the original title for my house where I signed the contract. They provided me a new title ( deed ) not signed by my with a different price for the property. But it shows a different mortgage bank, not them. This was when XXXX Mortgage sold the account to another bank. See documents attached are dated XXXX ( original deed ) and XXXX ( when XXXX mortgage sold the account to another bank in XXXX XXXX. Not to Click & close or Midamerica mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2900.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I do not have an XXXX XXXX card, nor have I given permission or authorized anyone open an XXXX XXXX card. This false reporting of a collection/charge-off of an account that does not belong to me is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this item removed however, I have not been successful.
Product: Credit reporting or other personal consumer reports

To whom this may concern I am taking this time to write you in reference to updating my personal information with your company.

Please update my personal information. There is only one proper spelling of my full legal name which you can find in the attached documents I have provided. My only address in your records should be the address listed on my state issued license which I have provided a copy. 

Remove all of the other addresses off of my credit report. I have no association with any other addresses. The post office will not be able to deliver to inaccurate addresses. 

I DO NOT HAVE A EMPLOYER : Remove all phone numbers on my credit report. You are violating the Fair Credit Reporting Act since my personal information are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a copy of my FTC report because I have been a victim of identity theft. My information got in the wrong hands being that my data was compromised in the XXXX XXXX XXXX. I feel like I'm being taken advantage of because my disputes are being ignored and the fraudulent accounts and inquires are still being reported on my credit report. This is ruining my changes with getting approved for a XXXX  loan. The law states that fraudulent information should be blocked within 4 days of the dispute and it still shows. It has been about 60 days and Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX you have caused from blatantly violating my consumer rights. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Mortgage

In the midst of refinancing at another bank, my current mortgage was picked up by another bank thru an acquisition. The new bank is M & T bank. They marked me late for a mortgage payment. The month prior I set up a draft, which was taken out 4 days late. No issue with the bank. 

The next month it was never taken out. I attempted to login to the banks online service & was blocked. I have a print out of this. The payment is due, per the invoice on XX/XX/XXXX. In this case XXXX XXXX. They marked me late XXXX XXXX. Interestingly, there was no late fee, but I was late for credit purposes. I learned about it from my banker doing the refi. 

M & T was no help at all. One person there said they attempted to contact me via phone regarding the draft.When I made a follow up call, the woman I spoke to had no phone number on file.
Product: Credit reporting or other personal consumer reports

I " XXXX XXXX XXXX  ", is reaching out in regard to noticing on my consumer report. That I see collection accounts and inquires that are not related to me. Which in fact, according to the FCRA act that was passed through law 15 U.S. Code 1681 - permissible purposes 15 U.S. Code 1681 C2 blockages of information. These codes were broken by the consumer reporting agencies, and I'm requesting for these accounts to be deleted and removed immediately.
Product: Debt collection

I have previously disputed this debt with LVNV Funding directly & via this resource before with no resolution. They are reporting false information dates & amount due hurting my credit score. They also do not have license to collect debt in the state of Florida and are harassing me with phone calls stating they will garnish my wages & file suite . They are not licensed in the state of Florida and are doing so illegally and harassing calls daily. They need to stop their illegal practices immediately