23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, To whom this may concern I never had sprint service and I have {$1700.00} dollars owed to ( enhanced recovery company ) it was opened XX/XX/2021. 
Im lost please I need help to resolve this its affecting my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result of this breach, I am requesting that all unauthorized accounts associated with my name be blocked and deleted from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Unauthorized Accounts XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$680.00}
Product: Debt collection

It is unclear exactly what happened. I went to the XXXX  in XX/XX/year> in AZ and all services were billed to my XXXX insurance. All copays have been paid. The reading of the XXXX XXXX appears to have been done by a company in TX. The radiology company ( XXXX XXXX XXXX ) in TX was very hard to communicate with and I had to provide them with my insurance three separate times. It looks like they finally billed and were paid by my insurance twice. They never provided any further bills or communications. According to their site it looks like I may owe {$12.00} - but this is unclear too since I never received anything. Yesterday I got an alert that my credit had dropped ( approx. XXXX - XXXX ) due to a {$7000.00} debt and a tradeline was opened. The company ( Progressive Management Systems ) that is no trying to collect the debt has not provided a detailed breakdown and has fraudulently reported a {$7000.00} debt to my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Experian has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Experian has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Debt collection

I am receiving calls from the Focus Receivables Management Group. 
The Calls are automated and only offer a call back number. I 've called them to advise them that I am not the party they are attempting to reach. I 've been informed each time that my number would be removed from their database. They continue to call. The calls are now harassing.
Product: Credit card

My interest rate was recently increased to XXXX XXXX. This is despite my account being in good status. I attempted to contact Chase to request a lower rate and was advised that this was the lowest rate available.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for XXXX XXXX XXXX have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXXXXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I was notified by Capital One & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with Capital One in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX and Capital One, fraud alerts were placed on all 3 credit reports, and Capital One denied the application as fraud. 

XXXX immediately removed this hard pull from my account, but Capital One failed to remove the fraudulent hard pull from XXXX & XXXX. 

Since these are hard pulls, they negatively impact my credit score.
Product: Debt collection

My name is XXXX XXXX XXXX. I had a XXXX container delivered to my home at XXXX XXXX XXXX, XXXX Pa XXXX. I lost my job and could not pay. The container was confiscated and a {$1000.00} charge was put on my account. I am not disputing that it is owed by me. The problem is that my son XXXX XXXX XXXX is attempting to buy a house and found out via a lender that the charge is on his credit. Naturally we have XXXX different social security numbers and should not be an issue to change. The account was sent to a collection firm by the name Caine and Weiner at XXXX. I contacted them several time starting a XX/XX/XXXX and asked them to send me a invoice or document that defines the person responsible for paying the debt is XXXX XXXX XXXX not XXXX XXXX XXXX. It has been almost a month. I was told told several different things that I would get something within a week. I have nothing so far and my son is losing valuable time in getting a lender that is aligned with his perfect credit. Please help us. 


Thank you, XXXX XXXX XXXX
Product: Debt collection

I am writing to file a formal complaint against NCB Management Services regarding their aggressive and unlawful debt collection practices, which have had a detrimental impact on my financial well-being. Additionally, I am revoking all authorization for NCB Management Services to communicate with me via email, text, or telephone calls. 

NCB Management Services has failed to provide validation information for the alleged debt, as mandated by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place this collection on my consumer report, causing significant distress and harm to my financial standing. Furthermore, I have not been given an opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

It is evident that NCB Management Services has violated my consumer rights by engaging in false, misleading, misrepresentation, and deceptive means during their debt collection efforts. Their association with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, a company with a history of legal action for similar violations, raises serious concerns about NCB Management Services ' compliance with consumer protection laws and regulations. 

As per the recent federal lawsuit against XXXX, which alleged the denial of early motor vehicle lease terminations to servicemembers entitled to them under the XXXX XXXX XXXX XXXX ( XXXX ), it is clear that predatory behavior within the debt collection industry is rampant. XXXX 's previous settlement in 2015, where they faced allegations of repossessing vehicles without a court order, further underscores the systemic issues within the industry. 

In light of these violations and associations, I dispute any and all debts allegedly owed to NCB Management Services and demand a thorough investigation into their practices. Additionally, I request full and proper validation of any debts claimed by NCB Management Services, including documentation of the alleged debts, the purchase agreement between NCB Management Services and the original creditor, and proof of their licensing and bonding status. 

I demand that the Consumer Financial Protection Bureau take immediate action against NCB Management Services to ensure compliance with consumer protection laws and regulations. Furthermore, I request that any collection activities related to the alleged debts be ceased until these matters are fully resolved. 

Thank you for your prompt attention to this matter. I eagerly await updates on the status of my dispute and the actions taken by the Consumer Financial Protection Bureau. 

Sincerely, XXXX XXXX
Product: Debt collection

I only became aware of this debt by looking at my credit report. When I contactacte d the Thomas Agency they informed me the debt was from Delorme whith whom I have never personally done business with. The Address they had on file fo rthe debt is an address in Florida which I have never lived or resided at. When I contacted Delorme the original creditor they informed me that the debt was a debt owed by a former employer of mine (   XXXX   XXXX   XXXX   ) and that my previous boss had put me as the person of conta ct for the account. I do not understand how my boss putting me as the point of contact binds me to this debt.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed some fraudulent accounts appearing on it. Reinvestigate and remove the accounts listed below. 

Account Name : XXXX XXXX XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law XXXX XXXX XXXX XXXX - XXXX in case of disputed accuracy, if within XXXX  days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Money transfer, virtual currency, or money service

inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Wrong amount property management didnt submit my rental assistance as I was approved for it and it wouldnt be any debt. I will like for this to be deleted. Opened XX/XX/2022. XXXX XXXX {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Opened XX/XX/XXXX Account # XXXX Credit Limit {$1500.00} XXXX XXXX Opened XX/XX/XXXX Account # XXXX Credit Limit {$700.00} XXXX XXXX Opened XX/XX/XXXX Account # XXXX Credit Limit {$300.00} XXXX XXXX  Bank Opened XX/XX/XXXX Account XXXX XXXX Credit Limit {$500.00} XXXX XXXX  Opened XX/XX/XXXX Account # XXXX Original Balance {$520.00} XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX Original Bal : {$3000.00} Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX, XXXX XXXX Original Balance : {$350.00} has 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 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 following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My pay was garnished by Gurstel law firm on behalf of XXXX XXXX for the full amount of money I owed on a debt from XX/XX/2012. I was out on XXXX during the garnishment period and this money was paid from my XXXX XXXX  XXXX benefits. While I am relieved to complete payments on a debt I rightfully owe, the original creditor is still reporting my account as unpaid on my credit reports. 

I have tried contacting the bank customer service with no success. I also disputed the account with the credit bureaus but they are verifying the debt as accurate. I did not receive a garnishment release although they stopped taking my pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid this account off, and called the company to ask why they had not updated my credit report since XXXX. 
I found today on my credit report they had updated my information but state that it was closed by the consumer. This is incorrect information. 

I just wanted to ensure that the balance was at XXXX so I could use the card if I so wished moving forward. When I call the automated service is states I have an amount available when I look online it shows an amount available but I never asked for the account to be closed. I have several other cards with this bank with no problems so confused as to why this has led to derogatory information, meaning my credit score dropped because it doesn't show the amount available any longer. I paid the {$56.00} as they had added this as interest for some unknown reason. They reported closed on XX/XX/26 after not reporting for 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought it was only me but I looked it up on the Internet and many others are having the same problem with TransUnion credit freeze. Either you can freeze it or you can not freeze it, we just get the error screen. We can not get in our account or do anything and when you call them, they will send you around to different departments then tell you they can not fix it. They ask you to buy their service instead. I need my credit unfrozen so I can apply for a new rental. I need to get out of my current rental due to a stalking issue and can not apply for anything that goes thru this company this week.
Product: Debt collection

This company, I have never made or agreed to entering into contract with. They have failed to validate and type of debt I owe. They are making false claims against me by way of Identity theft.
Product: Mortgage

Freedom Mortgage, In review documents related to this loan it has been found that Freedom Mortgage has failed to properly credit payments to the account in a timely manner and have a history of this, paired with the fact they failed to send out statements for the better part of XX/XX/XXXX ( >6months ) leaves to believe that as a company they are failing to properly record payments in a timely manner or provide the service you are required to. Freedom Mortgage has failed to properly credit payments in XX/XX/XXXX and now in XX/XX/XXXX where the check for payment has cleared my bank and they have received payment and failed credit the payment to the mortgage this is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I apologize but I received an updated status on my credit report regarding my XXXX XXXX XXXX XXXX dispute with Experian. XXXX XXXX XXXX XXXX sent a letter to Experian, the XXXX  and myself stating that I paid off my loan on time. Instead of Experian changing the inaccurate information they added that I failed to make my payments several times instead of one 30 day late payment as reported earlier. They decided to also add a Status that states that the account was a insurance claim or a military/government claim that ended in default! None of this is true. I am so stressed out about all of this because I have been trying to get Experian to rectify all the inaccurate information on my credit report since 2021. I am starting to feel targeted because I have refused to give up on trying to get my credit report fixed. Please Please help me with this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of XXXX accounts from US Dept of EdXXXX that appear to be duplicates on my credit report. The accounts in question are : XXXX. Account # XXXX : Balance : {$5300.00} ( reported across all three bureaus ) Last Active Date : XXXX : XXXX Equifax : XXXX XXXX : XXXX Late Payment Status : Was 90 Days Late XXXX Times ( reported by Equifax ) XXXX. Account # XXXX : Opened Date : XXXX Balance : {$6900.00} ( reported across all three bureaus ) Last Active Date : XXXX : XXXX Equifax : XXXX XXXX : XXXX Late Payment Status : Was 90 Days Late XXXX Times ( reported by Equifax ) These accounts are clearly duplicative and contain conflicting and erroneous information. The discrepancies in balances, late payment reporting, and the duplication of accounts negatively impact my credit profile and need to be addressed immediately. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of duplicate accounts with differing balances and late payment histories constitutes a violation of this statute. Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers of information to report accurate data, which has not been done in this case. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of duplicate and inconsistent accounts can also be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inaccuracies and duplication of accounts may also be in violation of 15 U.S.C. 1692f, which forbids unfair practices in debt collection. 

Request for Immediate Action : In light of these violations, I am requesting the following actions : XXXX. Validation of the accuracy of these accounts ( # XXXX and # XXXX ). 
XXXX. Immediate removal of any duplicative or inaccurate information from my credit report. 
XXXX. An updated copy of my credit report reflecting these corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have contacted the XXXX XXXX XXXX and also credit inquires for over a year and was told by the supervisor and that the account will be removed and I was not in their system after verifying my social, and that they would contact the credit bureaus to remove this as soon as possible. Please remove this off my credit report as soon as possible and update. I have police reports and ftc
Product: Credit reporting or other personal consumer reports

I want to make it clear that making empty threats of legal action is illegal. I am genuinely considering taking legal steps against your company for failing to address the inaccuracies in my personal credit profile despite my repeated requests. According to my understanding of the law, you are obligated to investigate and rectify any incorrect information upon request, which you have consistently disregarded. That is a crystal a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions.

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this the final request does not prompt you to conduct a proper investigation of the account in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. XXXX XXXX.
Product: Debt collection

XX/XX/2022, HUNTER WARFIELD has violated my consumer rights. Hunter warfield has broke the laws of the Fair Debt Collection Practices Act. I want monetary relief. I have attached my affidavit and invoice. I have attached a copy of the validation letter that was sent to a address that is not mine as well. I cycled the laws that have been broken and labeled the laws next to them.
Product: Credit card

On XX/XX/XXXX I applied for a Milestone Mastercard. On XX/XX/XXXX I called in as I never received the card and asked for a replacement. On XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX stating that they have blocked my account and put a hold on any replacements until I send in proof of identity. I had made no changes to my account. The only changes were processed by Milestone when USPS sent them confirmation that I had moved addresses. I sent over the documentation same day I received the letter via fax. On XX/XX/XXXX I called in and they stated they have yet to receive the documentation and to wait 5-7 business days which is up from the 2-3 business days they told me to wait when I called XX/XX/XXXX. Whats even more upsetting is even though the card isnt active and not in my possession, they charged me a annual fee and have issued a statement so now the account is showing on my credit portfolio with a balance. There should be no reason a block should have been put in my account when I personally made XXXX changes to my account. They stated they mailed the card XX/XX/XXXX the same day they mailed the letter but the letter contradicts this by stating any replacements would be on hold until identity is proven. Seeing how its is now XX/XX/XXXX I believe the letter is true. I just need the card and this situation rectified as they stated they would close the account in 30 days if documentation isnt received and it has already been 2 weeks. And a month and half since the application has been approved and I havent even used the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my personal information on my credit report for each bureau : XXXX, Experian, and XXXX My only name is : XXXX XXXX My only address is : XXXX XXXX XXXX. XXXX XXXX XXXX, Michigan XXXX My only birth date is : XXXX My only phone number is : XXXX My only employer is : XXXX There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.