23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My previous landlord withheld my security deposit illegally and charged me XXXX dollars for carpet replacement that I wasn't liable for. I took my landlord to court and finally got a judgment in early XXXX of this year. I got the court documents that state I am not liable for the debt and I've contacted both XXXX XXXX XXXX and the Debt Collector to remove it and they refuse to remove the debt despite the courts claiming I am not liable and they made no appeal attempt within the 10 day window so the ruling is final. 

The debt collector in particular has been very hostile towards me and refuses to even accept the paperwork I sent. I gave them instruction on how to check the judgment on the Missouri Casenet website so they can see it on the official website and the Account Representative said " It's not our responsibility to do the work for you, our job is to get your money. '' He refuses to accept the court judgment, XXXX XXXX XXXX is refusing to remove the debt, which is preventing me from getting a new apartment and damaging my credit so I can't buy a new car either.
Product: Debt collection

Portfolio recovery added a debt that does not belong to me to my credit reports. On XX/XX/2020, I contacted the company several times to rectify this matter, but I have found them uncooperative. The debt that they're attempting to collect is from an address in New Jersey which I have never lived. I asked for a validation of this debt, specifically the original contract bearing my signature, and identification of the individual that opened this fraudulent account in my name. They have Not provided any validation. They only sent me bills for service from an address I have never lived at. This is harming my good credit rating, and I have missed several opportunities because of this incorrect information on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations RemoveXXXX XXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit payment never late fcra RemoveXXXX XXXX XXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra see CFPB of the fcra violations RemoveXXXX  Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations see cfpb
Product: Credit card

XX/XX/XXXX- I was charged a late fee without proper notice on my account and without a letter being sent to the mail. 

XXXX XXXX I was charged interest and a cash advance interest when I havent used the card since XXXX of last year. Nor did I get a cash advance. 

XXXX XXXX I was charged a late fee without proper notice on my account and without a letter being sent to the mail. 

XXXX XXXX I was charged interest and a cash advance interest when I havent used the card since XXXX of last year. Nor did I get a cash advance. 

XXXX XXXX was charged a late fee without proper notice on my account and without a letter being sent to the mail. 

XXXX XXXX I was charged interest and a cash advance interest when I havent used the card since XXXX of last year. Nor did I get a cash advance. 

XX/XX/XXXX I was charged a late fee without proper notice on my account and without a letter being sent to the mail. 

XXXX XXXX I was charged interest and a cash advance interest when I havent used the card since XXXX of last year. Nor did I get a cash advance. 

XXXX XXXX I was charged a late fee without proper notice on my account and without a letter being sent to the mail. 

XXXX XXXX I was charged interest and a cash advance interest when I havent used the card since XXXX of last year. Nor did I get a cash advance. 

Note : All unauthorized late fee and interest charges to place from the year XXXX
Product: Credit reporting

Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with XXXX business days and will tell me about the outcome of the case. 
XXXX tracking # XXXX XXXX tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called XXXX. XXXX contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Equifax Information Services XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX my fiance ( now wife ) went to the emergency room at XXXX XXXX XXXX. She provided her insurance card to the hospital at the date of service, however the hospital failed to bill the insurance properly leading to no insurance payout. 

My wife did not hear a thing about this unpaid claim until 6 to 7 months after the procedure when a representative of the hospitals billing department mailed us notice of the unpaid claim. My wife spoke to the hospital billing department on several occassions during XXXX and provided them the insurance information for her provider at the time of the procedure but they refused to reprocess the claim with our valid insurance information at the time. 

My wife did not hear from the hospital again. It wasn't until XXXX of XXXX, when it was discovered that on a credit check for a refinance that this claim had been sent to collections and would affect our refinance. We found the name/number of XXXX XXXX XXXX and reached out to them to explain the problem and that we were not liable for the collection and asked them to remove it. My wife conducted a conference call between herself, the collection agency, and the entity that purchased her old insurance provider. The insurance provider discovered that no claim was resubmitted after the first claim had failed to go through. For this reason, the hospital didn't meet the 12 month deadline to resubmit the claim and the claim was barred. After the old collection agency spoke to her old insurance provider the collection agency agreed to let go of the claim and remove the claim from my wife 's credit report. 

It now appears that the old collection agency has sold this collection to a new collection agency and we are now again seeing an Illegitmate collection against my wife 's credit. Reattempts to continue to collect this claim after it was extinguished constitutes harrassment and predatory collection behavior that greatly affects our ability to obtain credit. 

Original creditor : XXXX XXXX XXXX Current creditor : XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX Amount due : {$850.00} Discounted amount due : {$630.00}
Product: Debt collection

Continuous calls from XXXX XXXX, and Portfolio Recovery. They have never sent letter describing what calling for. I owe no debts that are n't Time barred. Therefor they are trying to collect on time barred debt or false debt.
Product: Debt collection

I received a bill from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX for an attempt to collect a debt in the amount of {$280.00} on XX/XX/XXXX. I mailed in the request on their letter in the enclosed envelope, requesting additional information on the debtor and amount owed on XX/XX/XXXX. The letter states to do this by XX/XX/XXXX, which was done. I now have TWO derogatory remarks on my credit report from this company for the same " bill '' and have not received ANY documentation from this as requested as of today XX/XX/XXXX.
Product: Debt collection

Community Bank  XXXX XXXX Company sold debt to a collection. Contacted the collection company for documentation verifying this debt the company could not present documentation. Demanding a permanent block on the false information reporting to XXXX, XXXX, & XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Account disputed are : - Specialized collections for {$640.00} - XXXX  child support - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  Account # XXXX, US DEPT OF EDXXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Vehicle loan or lease

No action was taking by Exeter finance I need to use my online app to make my payments XXXX they have that blocked how am I supposed to be diligent in paying my loan without access to my online account they are making everything impossible for us XXXX than they are stating I am harrassing them much the other way
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.15 U.S.C 1681 section 602 A. States I have the right to 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the follow items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe is inaccurate. that the information This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.
Product: Checking or savings account

USAA over-drafted two accounts that had a XXXX balance and were requested closed. On or about XXXX XX/XX/2022. USAA seems to be providing inaccurate or misleading information in this matter. I have further information to be submitted. 

Is there any law in this instance that prevents me from removing my property from my account and closing said account? Did I apply for a loan for USAA to pay a third party debt collector, a foreign agency? Did I authorize such a thing? Did apply for a loan for such a thing? What was loaned ; was it money of deposit, or money of deposit? USAA appears to have sent out their own funds after I withdrew my property from the account. I never had any agreement or contract with USAA to loan money to a third party debt collector. USAA states I was restricted to credits only due to banking procedure ; is that a law? Is procedure law? USAA claims a garnishment order ; however the order USAA is referring is not signed by a judge or under the state seal. Which is known as seal and test of process. Under the 4th Amendment, property can not be seized without a valid warrant, which means it must be signed by the clerk and under seal of the court ; thus there was no valid warrant to seize property. As Coppage V. Kanasas clearly states, that money is the property of the employee. Money is property and can not be seized without a valid warrant. USAA seems to be relying on an incomplete instrument. The instrument USAA appears to have relied on is not signed by a judge, it is not signed by a clerk of the courts, and was not under seal of the court. XXXX XXXX XXXX XXXX  is a private for profit agency ; a foreign agency. And therefore the funds can not be seized as it would be a clear violation of United States Code as well as Supreme Court Case Law. USAA comments that, I was aware, that I was notified ; can USAA provide proof in the form of registered or certified mail that was signed for. What proof does USAA have that I was aware by the bank on such and such date ; Does USAA have any evidence I received such a letter. USAA is claiming a legal process. However legal process can only be done when signed by a judge, and the clerk thereof under seal of court. It appears that the order USAA is referring was signed by an employee from a private companyXXXX XXXX XXXX XXXX XXXX. Property can not be seized without a valid warrant. The 4th amendment, and all writs must be under the clerk of courts and seal thereof. This does not appear to be a legal process in the lawXXXX XXXX XXXX  XXXX XXXX is a privately held company in XXXX Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX on XX/XX/2022 to remove hard inquires from XXXX and Bank of America and place fraud alerts.
Product: Credit card

In XXXX of XXXX an account was opened in my name with USAA Bank and the person maxed out the {$20000.00} credit limit without ever making payment. The addresses used to obtain the credit card were not my addresses, which USAA would have known if they had even bothered to cross-check with their other divisions. We do carry a homeowners and auto insurance policy with them both written for the state we live in and our permanent residence there. In addition, we had an active homeowner 's insurance claim and an auto accident claim ( both in our resident state ) around the same time as the credit card being opened. I have only ever lived in XXXX states, neither of which were used to open the fraudulent account. 
My identity was leaked by the background checking firm engaged by the XXXX XXXX XXXX of XXXX when I was a volunteer at a local church back in XX/XX/XXXX. My information has also been leaked in numerous health insurance and other company breaches ( almost too many to count. ) In XX/XX/XXXX I was made aware that someone had opened a fraudulent account in my name with USAA Credit Card Services when I was contacted by a collection agency that had purchased the debt from USAA.
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit report that I did not authorize the companies to make. Report of late payments that are not accurate
Product: Debt collection

Some medical bills on credit report have paid on XXXX XXXX XXXX and auto loan was paid full XXXX XXXX XXXX XXXX XXXX XXXX XXXX United revenue there three with this company and collect for personal debt was paid in full need be remove from credit report all three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the inquiries below and have done my best to resolve with the company and credit bureau. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Processing XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I authorized XXXX XXXX XXXX to sent my credit application to XXXX only. There was a miscommunication with the sales office and XXXX department and my credit was obtain by lenders XXXX XXXX XXXX XXXX, US Bank, XXXX, etc. ) that was not authorized. The XXXX XXXX sent an email to correct the error on their part but the credit bureau indicated inquires can't be disputed resoluting in a decrease with all three credit scores of mine.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, XXXX Asked for a proper investigation, to provide me with a contract bearing my signature showing that the debt belongs to me. They did not provide me with the information. XXXX has removed my student loans with XXXX  due to not being able to verify
Product: Credit reporting

I contacted Transunion Several times about accounts being reported that are not mine. They requested that I file a police report before they remove them, which was absurd. I have filed a police report with XXXX XXXX Sheriff 's Office, Case # XXXX on XX/XX/XXXX. 

I am requesting the XXXX account and the inquiries from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX removed. I inquired from XXXX in the last year.
Product: Credit card

Take a look at the attached documents. I urge the bureau to start an inquiry into these accounts, as they erroneously mark me as late, despite my punctual payments.
Product: Credit reporting

I filed a proper dispute with Equifax on a reported judgment that was never recorded. My credit report is allowed to show ONLY " Judgments of Record. '' I disputed this judgment with Equifax , sent Certified mail ( tracking # XXXX ) on XXXX/XXXX/2016, on the grounds just stated. Equifax received my dispute on XXXX/XXXX/2016 according to USPS tracking information. My dispute results are dated XXXX/XXXX/2016 where Equifax states that the results for the judgments are : 1. ) We have verified that this public record is reporting correctly. 

I have checked with my XXXX County Clerk of Court, as well as checked the recorded instruments myself, and there are NO RECORDED JUDGMENTS that exist for me ( proof is attached ). In my dispute letter, I asked Equifax to provide Method of Verification if somehow they verified any existence of recorded judgments for me. I received no Method of Verification, and also the Clerk of Court has no way of verifying the " non-existence '' of a recorded document. 

It is clear that Equifax has not properly investigated this matter within the few short days that it took to read my dispute letter and update my credit file. 

Please note, The XXXX County Clerk of Circuit Court records, indexes and permanently stores ALL recorded judgments with real estate records ( land, deeds, etc ) for XXXX County. The county has no record on file matching what appears on my credit file. 

I have also included a printout from the XXXX County website which shows the website used to search XXXX County public records ( XXXX ) is the valid source to find these documents. This list shows all of the public records that exist in my name, none of which is the judgment being reported in my credit file. I have also included the letter originally sent to Equifax , the credit report with disputed judgments, the USPS tracking ( # XXXX ) showing the timeframe between the dispute being received and the results being sent, and the results of the Equifax dispute. Please delete this judgment from my credit report. 

Please use the proper resources provided by the XXXX County Courts to research Recorded Documents/Instruments, as an automated verification with a third party, or using lists of case files are not thorough investigative actions in researching valid Recorded Documents. 

XXXX County Register 's Office at ( XXXX ) XXXX XXXX County Land Records website is XXXX ( Clerk of Court will verify that judgments are in fact listed here with real estate records and deeds if you call or email XXXXXXXXXXXX to inquire ). 

Thank you very much for your time resolving this matter. 

XXXX
Product: Checking or savings account

On XX/XX/22 I reported that the hotel I was staying at kept my debit card ending in XXXX and that I was also was getting transactions posted to my email from XXXX that did not come from me. The rep asked me did I think it was XXXX I said it was possible because I kept getting emails about purchases. I looked through my phone and found out that they can just share your card information, across devices. I was unsure why this option was on, so I called in to report it. PNC only gave me XXXX $ after I reported it. They then illegally stole {$480.00} from my account after the card was closed. They did not handle my claim properly and saw it as an opportunity to steal from me.
Product: Bank account or service

The Honorable to CPFB : I write filling out of extremely dual complants of unfit XXXX resident report to XXXX. XXXX & Speaker XXXX XXXX address along with Chase Bank addresses XXXX XXXX XXXX and XXXX XXXX in XXXX of horrible dishonored address of XXXX XXXX XXXX as they rejected me of a reward {$300.00} in recorded notice as I felt discomforted with Chase Bank. I complained with XXXX assigned me XXXX was past customer so a past customer signed up Chase account as I received a message from Chase Online Identification Code XXXX Enter online at prompt or in password filed at logon. Tell XXXX changes my mobile number at immediate action as local XXXX staff ca n't trust me as they refused to change different number due of unfitted XXXX resident notification to XXXX. Senators at formal requests. I felt dishonored by Chase Bank which they turned me down Bank application through online as went to local XXXX Bank that most male staffs acted in rudeness as do not interest in my ugliest appearance why I walked in Chase Bank in last month of XXXX 2015 as they made me in dishonored message so I left Chase Bank looks more unfriend society. I can not alone in Chase Bank telling XXXX Male Attorney, as they laughed at me in looking isolation as they may not like me to be around and in Chase Bank situation in XXXXXXXX and XXXX XXXX. Most of male officials at Chase Bank in XXXX XXXX and XXXX XXXX, and XXXX Bank in XXXX XXXX avoided and unfriend society and do not allow meeting me helping as they gave me full of extreme dishonored messages. They made unwelcomed me in Chase Bank at XXXX XXXX on XXXX XXXX and XXXX XXXX last month of XXXX 2015 as extremely avoided me in ugliest appearance as they do ignored strongly as most employees in bad aggressive against XXXX XXXX XXXX. I am victimized harmed from Chase Bank officials in rudeness against XXXX XXXX XXXX notifies to XXXX. Senators and Speaker XXXX XXXX in XXXX XXXX forward responses to XXXX Elected Officials allowing report to appoint to XXXX Male Attorney why reported to XXXX. XXXX XXXX XXXX in your following up report responses in enforcement law seriousness matters what I was harmed not appreciated with Chase Bank turned me away from them!