23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I discovered that MRS BPO LLC is reporting a collection account on my credit report for a debt I do not recognize. I never signed an agreement or contract with this company, and they have failed to provide any legally binding documentation proving I owe the debt. 

On XXXX XXXX I disputed this account with XXXX, requesting proper validation under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. However, XXXX responded on XX/XX/year>, stating that the account was verified and updated without providing actual validation, such as a signed contract with my wet-ink signature proving liability. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA, if a credit bureau can not verify an account with proper documentation, they are required to delete it. Simply marking it as verified without providing proof of my obligation violates the law.

Additionally, under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), MRS BPO LLC must provide clear validation of the debt upon request, including a signed agreement or contract proving my liability. They have failed to do so.
Product: Credit card or prepaid card

CFPB reference number XXXX Have no option to use Wells Fargo NATO Bill pay account from USA Treasury pay.gov with reference company ID and DUNS Number
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and XXXXm the one who submitted a complaint on XX/XX/2022. This account ( ARS ACCOUNT RESOLUTION ( Original creditor : XXXX XXXX XXXX XXXX ) ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. ( XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$710.00} ) ( XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} ) ( XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} ).
Product: Debt collection

For about 2 years ( XX/XX/XXXX-XX/XX/XXXX ), I had leased an apartment at XXXX XXXX XXXX which I really regret had it done so. The lease was under two names : myself and my dad. At the beginning of theXX/XX/XXXX, my dad and I renewed the last lease which was for 6 months, this lease was going to expire on XX/XX/XXXX. Thats the only lease I agreed in that year. Here is where the issue starts, the apartment complex company through a U.S Collections West Inc. company sent me a letter that I owed {$2900.00}. I was really surprised because we paid off what was stipulated on the lease I signed, so practically we did not owe a cent to XXXX XXXX XXXX. Then, the collector sent a document where they manipulated the date on which the lease was supposed to end. They altered by adding an extra month so the lease supposedly ended up on XX/XX/XXXX. That lease does not have my signature, that lease Im not aware of. My dad who does not that much of English, they made my dad to sing the new lease. They took advantage of that. They never communicated me what was going on. Unfairly, XXXX XXXX XXXX is charging me that amount of money for not complying with the lease whose lease doesnt have my signature and also is fraudulent.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX. on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$6600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several unauthorized inquiries are being reported on my Credit Reports from XXXX XXXX. I have been had written communication with them regarding this violation and nothing is done except to continue to request more of my personal information. This is unacceptable to me has the company has my information and has run my report to my knowledge on XX/XX/XXXX and on XX/XX/XXXX. I also received correspondence stated they attempted and inquiry on XX/XX/XXXX. This was done once I already placed a security freeze. I want these items removed from all reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX To : ( XXXX, XXXX, equifax ) Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX : ( XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX ) Dear Consumer finance protection Bureau & XXXX XXXX  and Equifax and XXXX Pursuant to the FCRA & the FDCPAI now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 609 Disclosures to consumers : ( c ) ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.

Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Fair Debt Collection Practices Act Section 809. Validation of debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection
Product: Mortgage

it all started XXXX 2014 we was trying to get a modifcation approved and still trying the pkg was sent filled out sent back they called didnt received it didnt received it paystubs were sent they called no paystubs its was XXXX thing after another in the meantime i have all my faxes that was sent this is how they get u behind on purpose money hungry people they dnt care about u they want your paystubs to see how muchmoney they can get off of u my loan is 84,000 they have tacked on 14,000 since XXXX 2014 8 months waiting on it wow now i owe 90,000 the XXXX house is worth under that what XXXX they need to go down taking peoples hard working money and they dnt care none of them speak english u cant under stand them these sumbags to be accountable.plus they have a fffffffffffff rating a large amount of complaintsssssssssssssssssssssssssssssssssssssssssssssssssssssssss
Product: Debt collection

This company calls me several times daily I have over 37 calls and told them many times to STOP, they are claiming I have and account with them which I never authorize any thing with this company Harris & Harris
Product: Mortgage

I need to receive form 1098 in relation to my mortgage payments made in XXXX, necessary to declare my income tax, but the bank refuses to provide it claiming that it did not have a record of my social security. Until the year XXXX, they issued this document without registering it on my SSN. 
I have had this mortgage since XXXX and every year I received the 1098 form. In XXXX the company decided to change the policy and did not issue the 1098 nor communicated to me about it and now they refuse to issue this document and I can not declare my income tax
Product: Student loan

MOHELA sent notice in XX/XX/XXXX about IDR recertification due by the end of XX/XX/XXXX. My official IDR anniversary was XX/XX/XXXX. I submitted recertification to studentaid.gov on XX/XX/XXXX. 

The Federal Government issued guidance extending the IDR recertification deadline until XX/XX/XXXX : https : //studentaid.govXXXX Knowing this, I did not recertify by the deadline MOHELA issued and it raised my payment 300 % by automatically moving me to a standard repayment plan. MOHELA made no effort to follow federal guidance on adjusting payments back to the previous amount. 

I am pursuing public service loan forgiveness and had to call on XX/XX/XXXX to request a temporary forbearance for one month until my new recertified payment starts. This is an utter failure on their part. PSLF will now be delayed because of this forberance.
Product: Credit card

they explained that there was not a problem on their end of the credit offer. I tried several times online to use the credit card and the credit limit that was offered by mail and online, but the status would still state that I was not eligible but the credit limit is still showing available..
Product: Credit reporting or other personal consumer reports

Hi Equifax, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX XX/XX/XXXX XXXX. I have no knowledge of this account, this account is fraudulent. This account isnt mine. Please remove this account of my credit report as it is messing with my livelihood. This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ).

CFPB I have disputed this account in the past multiple times evidence is in dispute history this credit bureau has failed to provide procedures and steps taken to verify this account after me asking for it multiple times. Please remove this account because it isnt accurate you can not verify it or provide evidence that this account even belongs to me. My credit file was also exposed in data breach. Please remove this account I have no knowledge of the account and it isnt mine. 

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

My original loans dates were back in XX/XX/XXXX -XX/XX/XXXX. The loan originated with Dept of Education. They have sold this loan multiple times and keep changing the dates everytime they sell it to avoid removing it from my consumer report. This debt is now more then 17 years old more thatn the 7 years by law that it can be reported on my consumer report and sbould have been removed. XX/XX/XXXX this debt has been sold again to another debtor in order to keep it on my consumer report. This is againest Fair Credit reporting standards and I am requesting this debt be removed from all my consumer reports
Product: Credit card

I made a purchase with XXXX XXXX on XX/XX/XXXX for {$130.00} USD for video game controllers. The company did not show any indication that the product would be delivered other than an update e-mail in XX/XX/XXXX that said orders were delayed. Since then the company has gone silent and multiple customers have come forward saying their orders were not fulfilled. I opened a dispute with Discover on XX/XX/XXXX to resolve this fraudulent transaction and they closed the dispute as a valid transaction on XX/XX/XXXX. There is no indication they received any communication or documentation from XXXX XXXX. When I contacted them on XX/XX/XXXX to appeal their decision they told me to reach out to XXXX for more information. XXXX still shows this as an open billing chargeback case under review, they were unable to provide more information at this time.
Product: Credit reporting or other personal consumer reports

I am reporting to formally notify the Consumer Financial Protection Bureau ( CFPB ) of TransUnion 's continued non-compliance with consumer protection laws and to request immediate intervention to ensure adherence to these laws. 

I have encountered multiple issues with TransUnion that I believe are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other related regulations designed to protect consumers. Despite my best efforts to resolve these issues through direct communication with TransUnion, I have not received a satisfactory resolution, nor have they taken appropriate corrective actions. 

The specific issues I am experiencing include, but are not limited to : Inaccurate reporting of my credit information, including outdated or incorrect items on my credit report with XXXX XXXX XXXX XXXX. I demand to see verifiable proof of an original consumer contract with my wet signature on it that they have on file for the account listed on my credit report. Failure to investigate a dispute I filed, as required by law. As required by the FCRA, TransUnion is obligated to ensure the accuracy and completeness of the information in its reports and to investigate any disputes within the legally defined timeframe. Transunion is not complying with their own policies within in 30 days to investigate, which has passed. My dispute letter was sent XX/XX/year>. TransUnions failure to comply with these laws has caused me significant harm, including damage to my credit score and difficulty obtaining a car. 

I respectfully demand that the CFPB investigate this matter and take appropriate enforcement action to ensure that TransUnion complies with all applicable consumer protection laws. I request that the CFPB promptly communicate with me regarding the status of this issue and any actions taken. 

Thank you for your attention to this serious matter. I trust the CFPB will act swiftly and appropriately to address this non-compliance and protect consumers like myself from further harm.
Product: Debt collection

In this Issue I purchased XXXX engraving machines from XXXX I could not get XXXX machine to work seller asked for me to send the XXXX not working back to them and the other XXXX to a customer and they would refund my money and pay shipping, did n't happen. I faxed XXXX and pay pal my complaint a couple of days before the deadline did n't see any answer so I called said never received it resent it they now said this was after deadline so now I am paying {$37.00} a month for something that was stolen from me. Both XXXX and pay pal are thieves. I am XXXX years old and trying to develop some extra income instead thieves are draining.
Product: Checking or savings account

I opened an account with free checking at Cit band. Checking was free as long as there was {$5000.00} on deposit in the account. Citi decided to unilaterally change the terms of the checking account and begin charging a {$15.00} monthly fee starting in XXXX of this year if the account did not connect to my direct deposit. This was not the term I agreed to when I opened the account and they should not be able to unilaterally change the terms without agreement from me. They are telling me they no longer offer this type of account. That is great for new account holders but they already offered and I accepted the terms when they offered them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} TXXXX  XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TN ) XXXX Balance : {$2500.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( Experian, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an XXXX XXXX XXXX Opened XX/XX/XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that conta My identifying information is as follows : Lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX As proof of my identity, I have included copies of my birth certificate, Social Security card, drivers license, an If you are unable to verify the account with the original contract, the information should be removed from my c Sincerely,
Product: Debt collection

In XXXX with XXXX XXXX I signed up at the XXXX location in XXXX XXXX while I was working there temporarily. I chose the monthly plan as I was not a resident. I notified them when I left over several emails and phone calls, each time I was told no one there spoke english and they couldnt help me. They did not cancel the account and a balance built up to {$340.00}. I can not cancel at another location now that I am back home and I go back to the original location. Aldous & Associates has contacted me about a debt collection and said that I need to pay immediately or they will put a mark on my credit and sue me.
Product: Checking or savings account

I have opened a bank account with Chime. I have a checking, savings & credit builder account on several occasions after signing up for the XXXX XXXX XXXX  i had called in 6 or 7 times in the last 3 weeks to have the automatic withdrawal taken off Ive spoken to all supervisors the one supervisor on XX/XX/XXXX told me she was going to take it off right away and escalate it that not to worry by my next check that service would be taken off here comes my payday and so i call in this evening to make sure it was taken off because i was getting paid tonight XXXX the supervisor i spoke to told me that he sees the ticket number XXXX that the withdrawal was taken off that i would have to manually call in to make my payment i said okay. I also i asked for the ticket number for today call which is XXXX that i had no worries. Now all these calls are recorded. So i look at my account tonight to see my paycheck and they took my money again this is the second time now grant me its money i borrow from them but i also been told by numerous supervisor that i can have the automatic withdrawal taken off and just do it manually. Which Ive been told by so many managers that it was taken off. I need my money. They lie so much i cant deal with them anymore i will go to all limits to get justice i work XXXX  XXXX for my money never in my lifetime have dealt with this then the supervisor tells me tonight that it was never taken off and that it has to be escalated. So now Ive been lied to again and again. Im tired of it. I have to pay rent now Im going to be homeless for the second time because of them and there lies.
Product: Credit card

I applied for this CITI Card in 2008 and on the contractual document amended the language to show that after the initial 0 % for 12 months the 9.99 % interest rate would vary only with prime rate. This line was truck form the contract before sending in. By creating the account citi agreed to these terms. And for 10 years they maintained that. However, just recently they raised the interest rate to 25 % and didn't inform me. 

They used every sneaky trick in the book to get me to accept points, or 0 % but never did to maintain that 9.99 % interest rate. But it appears this company has gotten sneakier and less professional over the years. 

It's no wonder Americas Financial Future is in Jeopardy when you have thieves like CitiBank. 

I am a 16 year customer and have held this card since then. So disappointed in this company.