23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX is trying to collect on a debt but has added many charges to the amount and will not explain them or provide a ledger detailing the accounting. In XX/XX/XXXX, I  signed a 12 month residential lease for about $ XXXX/month. In early XX/XX/XXXX, I was forced to break my lease. After I surrendered possession of the rental, the landlord did not return my security deposit Thunderbird is not the landlord, but a debt collector. About XX/XX/XXXX, it began to report to the credit bureaus that I owed approximate {$12000.00} for the rental debt. I contacted Thunderbird and asked why the debt was so high. They stated that I owed the rent for the remainder of the lease ( approximately {$6000.00} ) and the rest was " collection fees '' and interest ( approximately {$6000.00} ). My lease did not provide for fines and fees of this amount. I do not understand why Thunderbird believes it can charge me such extreme and abusive amounts and not even explain itself. My next door neighbor at that rental informed me that the landlord had a new renter in my old unit within a few months. It is unfair that, even though Thunderbird was getting paid rent for the time of my lease, it is still trying to double-collect the same rent money from me. In the same way, it is not fair that Thunderbird has added huge collection fees to my bill. My lease agreement did not allow for such high fees, nor did I agree to them at any other time. Thunderbird can not have more rights to bill me than my landlord did. I have made many requests for more information. Thunderbird representatives told me that " it was none of my business '' when asked for verification of the new renter who had moved into my old apartment. Further, I disputed this debt with the credit bureaus at least one time a month for nearly a year. Each time, Thunderbird has verified that the claim was valid, but did not provide any documentation to support its claim. Thunderbird 's calls have been harassing to me and my family. They call several times a week. They leave messages that are intimidating. They threatened to call my boss. They even embarrassed me by calling my mom about the debt! Thunderbird 's actions have been very harmful to me. My credit score has dropped significantly. Because of my low score, I have been unable to secure a loan to purchase a house and I am forced to rent. I need to get a new car, but the interest rates for the loan are prohibitive. The stress from this issue has been hard on me. I can't sleep at night, it makes me anxious, I dread answering my phone and I have been impatient with my family. I genuinely don't know if I owe any money at all on this debt. Thunderbird 's deceptive practices have prevented me from reviewing any useful documentation. I can not make an informed decision about this because they won't cooperate with me. I ask that the CFPB force Thunderbird to provide me with a detailed accounting and explanation of the debt ; or, in the alternative, stop its collection attempts and credit reporting against me.
Product: Debt collection

I received a notice from XX/XX/XXXX letting me know a Debt Collector - Machol & Johannes LLC Attorneys At Law - Representing XX/XX/XXXXhad re-added negative remarks to my credit report, reporting I owed them XX/XX/XXXX throughout XX/XX/XXXX from an account opened in XXXX, after XX/XX/XXXX had already confirmed this account was fraudulent and due to identity theft. 

This is not my debt. This debt was due to identity theft and this account was used/opened fraudulently. I had already requested this account to be closed in XXXX withXX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX due to several unauthorized fraudulent charges being made due to my credit card/identifications being stolen and identity theft. 

I initially resolved matters throughXX/XX/XXXXin XX/XX/XXXX, submitted a police report and Identity Theft Statement via the FTC. Experian was able to initially remove thisXX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX from my report confirming this was due to Identity Theft. ( Please see the attached notices from XX/XX/XXXX below XXXX. 

However, this same creditor, XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX has since then fraudulently re-added a new account under my name without my authorization and with Debt Collectors - Machol & Johannes LLC Attorneys At Law- stating I owe them the same amount ofXX/XX/XXXX. They are stating I opened an account now in XXXX ( which is false as I have not ever opened an account with this Merchant in XXXX ). They have also changed the original inaccurate non-payment period from XXXX to now XXXX and is continuing to report I am late on a payment I do not owe and this is a fraudulent account with fraudulent charges. 

( Please see attached Police Report and Identity Theft statement, as well as the notice from XX/XX/XXXX confirming they had already removed the initial account with the initial ( inaccurate ) non-payment remarks from XX/XX/XXXX XX/XX/XXXX 

I would appreciate your help with this. 
Thank you,
Product: Debt collection

As a young man with minor responsibilities I went into XXXX  to better my future. Like any young adult I was not financially stable and needed assistance to do so with a student loan. Fortunately, as I became a XXXX I made the decision to get married to the love of my life and then came our beautiful XXXX children. My responsibilities increased as my family depended on me. I had to divide my time to attending XXXX, working a full time job and to spend time with my loved ones. Things were getting too stressful, so my time as a XXXX has stretched out into XXXX XXXX XXXX credits. Up until now, I still am a XXXX XXXX trying to tackle my tasks, one at a time. I was deceived by being told that I did not need to start paying off my student loans until after I graduated. I've contacted this company about my outstanding debt. I pleaded that they allow for a settlement or a payment plan in order to pay the large sum. It was denied. I am trying to purchase a home but unfortunately this is putting a strain on my credit report and is preventing me from doing so. This is effecting me from providing my family with a decent lifestyle. I wish there was a way we can come up with a resolution and dispute this enormous amount. The NTL Credit Systems has failed to provide me with a compromising settlement agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. Social Security Number : ( XXXX ), Date of Birth : ( XXXX ), This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days after the review this complaint. This fraudulent false information consists of a collection account opened at DATA IQ INTXXXX XXXX XXXX XXXX XX/XX/year>, under the account number ( XXXX ). This account has resulted in a fraudulent collection appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned collection as reported. The collection appearing on my consumer credit report were not opened, made, or initiated by me. The collection is a result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX XXXX ) as proof from the XXXX Federal Trade Commission that the consumer collection is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Dear Harris & Harris , Ltd., I am writing regarding a recent communication received about an alleged debt. I want to state clearly that I have never entered into any contractual agreement with your company, nor have I authorized the use of my personal information. This is a serious violation of my rights under federal law. 

Your actions violate the following laws : 1. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : It is unlawful for you to attempt to collect a debt without verifiable proof, including a legally binding contract.

2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : Accessing or using my personal information without my explicit consent is a severe breach of federal law.

3. Gramm-Leach-Bliley Act ( GLBA ) : You are required to protect the privacy and security of consumers personal information. Your actions indicate a failure to do so.

I demand immediate action to rectify this situation, including : 1. Providing Verifiable Proof of the Debt : Submit a signed contract or agreement proving the debts legitimacy.

2. Cease and Desist All Communications : Immediately stop all attempts to collect this alleged debt, including any further communications.

I am submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding these violations. 

Please confirm receipt of this email and address my concerns promptly. 

Sincerely, XXXX XXXX
Product: Debt collection

This debt collection firm is looking for a person who is not at this number, to whom I am not related nor acquainted, and has not been in the 15 years that I've had it. This has happened repeatedly, and they are again making daily calls looking for this person.
Product: Money transfer, virtual currency, or money service

I had two separate fraud claims with ALLY BANK One for {$25000.00} and One for {$750.00} I called at least 25 times to resolve these matters. Instead they falsly claimed they sent forms to my address with no proof. 

Instead of returning my money they closed my amounts. 

This bank committed fraud.
Product: Credit card

With a care credit card you are able to pay off promotions without interest within 6months. I have never missed a promotion while being with them. Beginning XXXX of XXXX I have made multiple payments of XXXX dollars {$180.00} throughout the month XXXX I made multiple XXXX payments called to have it towards the correct promotion and each time they continued to say I still owed. I asked the accounting department to have it looked into but the agents answering the calls did not notate and my money continues to go missing. Each time I would call I would consistently be advised that I had every payment up to date which knowingly I had. In XXXX of XXXX I called to have my payment placed specifically on a promotion expiring in XXXX for {$460.00} and the agent stated it was {$640.00} which was not at all what my receipt stated. The fact that Care Credit continues to add money or interest on purchases already paid is unethical. Not to mention adding monies to a promotion which was not the correct amount causes me worry. 
Today I contacted care credit and was advised that I missed 2 promotions in XXXX of XXXX and one in XXXX of XXXX of {$26.00} which they advised was not paid off in XXXX of XXXX but I pay over {$150.00} a month assign the monies to each promotion so there should not be any interest. 
This has been an ongoing issue where accounting has continuously reimbursed interest due to it being added for no reason. Each agent I speak with has advised multiple times I am up to date and unbeknownst to me I have {$1000.00} of interest from XXXX which is not accurate. With these constant inconsistencies I would like this looked into I feel my money is being misdirected. The agents that answer calls advise they notate and do not. I will be uploading documents once submitted providing proof. Im fully XXXX and this is causing XXXX  and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle was repoed in XXXX. Balance after sale that was left was under {$11000.00}. It is showing on my credit report at {$18000.00}. Deputed it with the company and they stated the company that does their reporting was correcting it. A few months went by and I look again the balace went back up to {$18000.00}. Desputed it again with Equifax and also called the company. No changes have happened. I called the company on XX/XX/XXXX to request documents. The manager stated he already provided it and will not give it to me again.
Product: Debt collection

This is my second complaint about XXXX XXXX and their associated law firm. My first complaint was settled. However, the tactics at which these individuals use to settle their debt is concerning. I originally filed a complaint in late XX/XX/XXXX. I received a response letter dated XX/XX/XXXX. I first received original correspondence in XX/XX/XXXX of which I did not respond initially, as I thought this was a scam. I will admit that I did not remember signing up for a credit card at first, but then I was doing some research on my own. On XX/XX/XXXX at XXXX CST there was a knock at my door, which is in a secure apartment complex so I am not positive as to how this person gained entry, I answered and he handed me papers and walked away. These papers contained nothing but the file number, bland information as to what I was being charged with ( which was a shock to me as this was the first I was hearing of potential court issues ). Email correspondence between XXXX XXXX XXXX and I happened on XX/XX/XXXX ; I was reaching out to XXXX about any settlement opportunities that may be available. He responded asking for a good phone number at which I could be reached, I replied with a phone number and told him the best times that I could be reached to discuss. After, I received no further emails or calls. On a letter dated XX/XX/XXXX I received an offer letter from XXXX about an offer to settle the claim against me for {$420.00}, the letter included a website to where I could pay online. I received a letter in the mail in early XX/XX/XXXX containing an order from the XXXX County court letting me know that an action was filed on XX/XX/XXXX against me. The letter contained a file number that the state has for this judgement, however no such court dates. After receiving this letter, I decided that I should pay the amount that I owed and I would move on. I submitted a payment for {$590.00} on XX/XX/XXXX using their website, the funds were deducted on XX/XX/XXXX from my bank account. I then called their office on XX/XX/XXXX requesting a receipt be sent to me, the individual I spoke with said that I should be receiving it within 3-4 days and the letter would be sent out that same day. After waiting over the time period, I then called again requesting a letter on XX/XX/XXXX and they said that one would be sent out and they did not see my first request. As of XX/XX/XXXX I have not received any correspondence from the company, I also have submitted online requests for contact and they have not been fulfilled. I have requested a receipt and would like them to remove this from my credit report. Due to their lack of professionalism in this matter, it has caused increased stress in my life upon fear of a lawsuit that I am not sure is even happening. They have not been fair in trying to resolve this matter, and I can say that I would have rather reached a compromise than have been threatened with legal force. I do have supporting documents if they are required. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit report associated with errors, and it seems that the accounts & inquiries are also fraudulent. I am a victim of identity theft and I have been identified for someone else with the same exact name as mine. XXXX XXXX is associated with several people in my state. These accounts we 're once removed and has been place back on my credit report. It is definitely an error on the credit bureau part. This is all the information I can provide at this time. My lawyer will be contacting you in a few days to resolve this matter with my name being misused, placed aside fraudulent error accounts and inquiries. XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am disputing fraud on my account none of these accounts belong to me i am XXXX XXXX XXXX i was XXXXXXXX XXXX XXXX to open these accounts at the time they were open. I have sent my social and ID card numberous amount of times my XXXX is XX/XX/XXXX to verfiy that i am XXXX.
Product: Credit card or prepaid card

I have a CapitalOne Master Credit card opened on XX/XX/XXXX. However, on XX/XX/XXXX, I missed a Payment on the credit card and a late payment was reported to my credit report. The reason for the late payment was that I lost my grand mother, and my work was in an area that was affected by a natural disaster in an area that was sealed off. Long story short, I was going through some challenging time. I have since attempted to resolve this matter by asking capital one to remove the late payment and also turned on Auto pay to avoid any missed payment in the future but only received a general template letter responses to all my request. I have sent a total of 7 letters.
Product: Credit card

I kindly ask for your help to investigate accounts from companies incorrectly reporting late payments. When I was laid off, I requested that these payments be forgiven, and they agreed, but they are still listed as late. I have contacted them multiple times without receiving any updates, so I am reaching out to you as a last resort.
Product: Credit reporting 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.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies 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 fot he account XXXX XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

Prior to the Biden administration departing, there was a law signed into the constitution that states collections agencies can not report medical collections to your credit bureau making it hard for you to obtain loans mortgage etc. I notified all three credit bureau in which I filed disputes requesting that this information be removed. I haven't heard back any of them, but I have noticed my credit scores decreased by XXXX or more points.This is an unfair credit reporting issue which violated my rights under the FCRA. I believe this was direct retaliation for submitting the disputes. Please help me resolve this as I'm doing everything I can do to bring my scores back up to buy a home in the spring and this is negatively impacting me as an XXXX. 
Thank you.
Product: Credit card or prepaid card

My XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX card account was sold to Comenity Bank and New account/card were supposed to be available XXXX XXXX. But I still have no card, no account, and the " help '' phone number from comenity doesn't work. I can not pay my bill which eill.liky XXXX up my credit report. I would like to just transfer to a different bank but my initial and balance don't exist anywhere I can access! And meanwhile I have no card to use. This is a disaster
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XXXX hard inquiries from XXXX CARD SERVICES appeared on my XXXX and Experian credit reports. 

On XX/XX/XXXX hard inquiries from XXXX XXXX XXXX XXXX appeared on my Experian credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX/Account XXXX and XXXX XXXX XXXXXXXX Account XXXX on XX/XX/2021. The reason why I'm disputed these account is because they are reporting inaccurate on my credit report. Yet Transunion has done nothing to change this. I dispute these accounts 4 times and still got no change. Transunion says its verified but I provide the correct information several times that is not correct. Activity is reported after these accounts were closed. This is a violation of the law and is incorrect on both these accounts.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$460.00} XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$1300.00} XX/XX/XXXX XXXX XXXXXXXX Balance : {$380.00} XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX XXXX Balance : {$180.00} XX/XX/XXXX XXXX  XXXX XXXX Balance : {$220.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$630.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$430.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXXBalance : {$0.00} XX/XX/XXXX XXXX  XXXX  XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau XXXX CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.