23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I started receiving phone calls in the middle of the morning on XX/XX/2020 about a XXXX bill I do not owe about around XXXX. I tried to call the collection agency and the number would connect or it would disconnect from service which I though was odd and crazy. I do not have a comcast account in the account above nor is it mine. I tried multiple times to call and discuss this collection bill which started months I got cable with the XXXX cable provider. I was receiving a bills in the mail from Sequium Asset Solution, LLC and applied for a job from them also when they sent me an employment application to fill out. I fill out the application twice but did not hear anything back from this business. I had gave them my personal information which I think they have been using to send me collection bills and to keep calling me in the morning around XXXX and until XXXX at night. Sequium has been sending me unsolicited mail with collection of bills I already paid or already a paid account with no disputes or issues when these companies because I still have my internet, cable and utilities on in my name. They started contacting other utilities and my employer to find my whereabouts and showing up at my house knocking on the door and messing with my car. I don't once this collection bill and they keep sending me collection bills and phone calls. All my bill are bill on time and this company keeps harassing me about a bill not owe to them because I have not been given anytime to pay this so call bill or heard anything about a XXXX cable bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report. I disputed the accounts with the credit bureaus but end up with nothing. I could not believe they did a full investigation on the accounts I disputed because they are definitely not correct! Account payment history is incorrect, date of last payment is also incorrect. This is ruining my credibility. Please help me remove the errors reporting on XXXX  XXXX  XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

we had a tree fall on a shed on our property, a shed we only use to store a couple lawnmowers. we recevied a payment from our insurance company endorsed it and sent it to the Flagstar mortgage company loss department. along with the insurance adjustors report and all other needed documents. these were sent in XX/XX/XXXX. every time we call they say they are reviewing the documents. we do not wish to re build the shed and have sent a letter explaining this. they now hold the money in escrow and we can not get an answer from them if they will approve sending the monies back to us. the appraisla of the property show that the value of the shed is minimal to the overall property value.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2020, I sent a letter regarding unknown and inaccurate items that were on my credit report. After at least 60 days ( about 70+ now ), I still haven't heard anything back. Absolutely No Response. I feel like I am being ignored or taken advantage of in regards to the disputes. I have studied and according to section 611 ( a ) it is clearly stated that a failure to investigate these items gives a reason to delete these items WITHIN 30 DAYS and to be taken off of my credit report. Now, that at least 70 days have passed they need to be deleted immediately. Therefore, I demand that these items be removed from my account right away or I WILL begin litigation because this has exhausted me to my wits end and you have caused me a lot of stress. Not to forget to mention, I was hugely affected by the data breach involving XXXX  and now I am fearful because my records are possibly in the hands of the wrong person. This is a serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$1900.00}XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX ) XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

I would like to file a formal complaint against XXXX XXXX for reporting false information to the credit bureaus. I had a credit card account with XXXX XXXX for a few years that was never late and never missed a payment. XXXX XXXX made an offer for me to join a program where I could pay off my credit balance off at 0 % APR with no fees added to the account with a low monthly payment and if I was to enroll in this program I would agree to close the account. 
I agreed and enrolled. The account closed and when reporting to the credit bureaus, it reported the account as closed, and the remarks on the account was account closed by consumer. This account has been closed for a few years now which is regular updating to the credit bureaus of payment history, but until recently XXXX XXXX updated the remarks on this account from account closed by consumer to account closed by creditor, which is not true. Ive asked XXXX XXXX several times to update XXXX XXXX did update it, but then switched it back. XXXX XXXX has updated this account with remarks three separate times and each time the account is updated to the correct information. Its it automatically goes back to reporting and accurate information. This is affecting my credit score drastically please resolve this immediately.
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system and notice a plethora of inquires that I do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports and must be deleted immediately : XXXX XXXX XXXX XXXX  transunion, XXXX XX/XX/year> TransUnion as well as incorrect versions of my name XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

We applied to XXXX XXXX and during the application process, they changed the rent price without any notification. Then when we got to the end and paid the admin fees, the confirmation page listed a much higher rent than we were quoted the same day. We went to the property to discuss and they were not willing to honor the original ( same day ) quote. They offered to refund us via mailed check, which we didnt really have a choice but to accept. A month later, we had not yet received the check, so we disputed the charge on the XXXX as the statement was closing. Then we received the check and cancelled the dispute, which has been repeatedly backed up by XXXXXXXX XXXX  partners ( property XXXX ) and Columbia Debt Recovery have been repeatedly harassing us to pay them the debt and speaking to us disrespectfully claiming that its our fault because we filed a chargeback. But the charge is still on our account, because we CANCELLED the chargeback! This was in XXXX. It is now almost XXXX. I want this to end!
Product: Money transfer, virtual currency, or money service

I understand Wells Fargo has undergone a fine settlement for fraud between XXXX but not all its customers have been notified. I'm unsure what debts I'm owed out of the settlement since I was not given a notification of any sort from Wells Fargo and this is to ensure I'm not left out of the settlement claim. I've had checking, savings, and credit card accounts with Wells Fargo since XXXX
Product: Credit reporting or other personal consumer reports

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
Product: Debt collection

I received a text message at XXXX EST which is outside of the XXXX time frame legal limit.
Product: Credit reporting

This Credit Bureau complaint is in regards to whomever was responsible in the " pair '' of CFPB complaints on file at this time pertaining to.. 

CFPB Complaint # XXXX, and alsoCFPB Complaint # XXXX. 

I do not have an awareness as to who or whom is at fault regarding the errors contained within the other XXXX complaints mentioned/or referenced above pertaining to/or involving " XXXX '' AND " XXXX '' PLEASE HELP!!!!!
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 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 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
Product: Debt collection

Asset Recovery is attempting to collect on debt from the University XXXX XXXX that was covered under financial aid and corporate scholarship
Product: Credit reporting

Credco applied a hard inquiry to my credit report when I was told it would not show up as one. I asked about my options for a loan not to apply or be approved for one.
Product: Credit card

Capitol one has been absurdly blowing my cell phone up 10 times a day from several different numbers while Im at work after Ive disclosed that I just had started my job and I will pay asap. I did tell them when I lost my previous job and that Ill stay on top of things. That was confirmed and they took note, and immediately the next day up until today 30 days later, Ive received well over 100 calls. Most of them 10x a day. This is HARASSMENT!
Product: Credit card or prepaid card

Purchases of three items were delivered to my home last year in XXXX. One of the items was not to the size specified and was returned for full credit minus the shipping of {$40.00}.. This item was not properly credited by the accounting agency and was only issued half the refund. The other two items where defected and could not be of use. A dispute was made for the defected items to be credited and was granted. To this day the proper credit for the first item returned has not ben resolved after many attempts, verbally and written. This matter has been affecting my credit score and is also accruing late fees and interest that I do not owe. I do not have access to my account as it has been closed and blocked for my viewing or accessing any documents that where previously sent as confirmation of the credits issued to my account.
Product: Debt collection

Had a previous complaint with this Company Southwest Credit as to where they were continually harassing a family member at XXXX at all hours using varying numbers. And had been told various times to cease calling. From the previous complaint they are to cease and desist any further contact to me or anyone which they have violated on numerous occasions. Also currently I am in bankruptcy filing proceedings and they need to drop any further attempt to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Experian, XXXX XXXX and sent Certified mail Identity Theft Report. About fraudulent XXXX account on my credit report XXXX XXXX XXXX XXXX {$4700.00} XXXX I file a report with FTC.
Product: Credit reporting

Early this year, I had inquiries deleted from from TransUnion credit report and recently noticed that they were added back to my credit report without any notice provided from TransUnion. This has been detrimental to my credit score. Also, I disputed several accounts that I asked to be verified that I have no knowledge of without success ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ). I also have XXXX accounts that were paid from XXXX that are still listed negatively on my credit report. Lastly, I have numerous accounts reporting from the department of education that were consolidated several years ago and appear on my credit report twice ( both as consolidated loans and stand alone loans ). This is having a major inpact of my credit and my ability to finance a home for me and my children.
Product: Credit reporting or other personal consumer reports

CREDIT XXXX XXXX  didn't send my bill statement 21 days before my XX/XX/XXXX due date and reported me as late to EXPERIAN, XXXX, and XXXX. This is violation of Title 15 USC 1666b ( a ). CREDIT XXXX also accessed a late fee without sending bill statement 21 days before the do date. This is a violation of Title USC 15 USC 1666b ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Sequim Focus Receivables Management I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance : {$28000.00} XXXX XXXX XXXX XXXX  XXXX : {$28000.00} XXXX XXXX XXXXXXXX Balance : {$28000.00}
Product: Credit reporting or other personal consumer reports

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have checked your company credit report by gaining revised one, even though there is a question how we will gain another revised credit report after 6th time to check whether my credit report has revised and corrected. I have noticed that XXXX XXXX alert has removed ; however, I request the formal explanation why this alert has added to my credit report, since I have difficulty to understand the reason this happen. I believe your company and other credit companies in the United States have that responsibility, since I argue with my XXXX friends and others globally. 

Since your company requested me to provide the specific reasons of disputes with my credit report, which looked so simply, I have decided to go through. Same as other credit report companies in the United States, which I do not know the existence of similar character companies in XXXX, I have decided to inquire following companies : 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
Product: Credit reporting or other personal consumer reports

I disputed the DEBT REC SOL,XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX with XXXX and debt rec sol, I received the certified mail stating they received my information and when I call they state they have not received it. I have requested validation of debt and have been denied these papers with anything showing that I signed for any loans with this company. I have attracted the letters I send to XXXX, XXXX AND XXXX and Debt Rec Sol.
Product: Checking or savings account

I closed out my account a couple months ago. I saw that a check was coming on USPS informed delivery but due to mail not being delivered properly ( still missing mail and XXXX packages ), it never arrived. The date it was supposed to be here was XX/XX/XXXX. I called and they said they couldn't see a check. Funny since I still have the email with the picture of this piece of mail. It even says truist refund check as the return. They said I needed to go to the branch. The branch is far away for me, one of the reasons I closed the account. They closed the branch by my house. When I went to the branch they could see one was issued but didn't know how much for or why. They said to call the customer service. Round 2, they said the same thing they said before. Even the supervisor did. If I'm due something, I obviously want to get my money and the bank not keep it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed that an account that was removed is still being shown on the XXXX  and XXXX credit companies. It was removed from Experian as well but somehow it is showing up on the other 2 companies. I have included documentation to prove that this account was removed so it should be consistent across all 3 credit bureaus. I don't understand how it can be removed and magically come back and hurt my score again. Please remove this account from my credit report and have it consistently report across all 3 bureaus.
Product: Checking or savings account

I would buy something with my card and it would be a pending for number of days which the account amount would never change until i was charged a overdraft fee for something thinking i still had the money on my card
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment on Credit Report Dear CFPB, I am submitting this complaint regarding an inaccurate late payment that is reported on my credit file maintained by Equifax. I believe this late payment is erroneous and does not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed for XX/XX/XXXX on my credit report is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices also violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Details : Creditor Name : XXXX XXXXXXXX Account Number : XXXX High Balance : {$1000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$22.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Reports a XXXX late payment for XX/XX/XXXX, which is inaccurate. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of this entry within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

The name on my credit report is Credit Collections, the date opened is XX/XX/XXXX The amount of the debt is {$190.00} There is no other information. The account was reported on XX/XX/XXXX. There is no other information on my credit report to identify this company. 


I am filing this complaint regarding in inaccurate item on my report that continues to negatively impact my credit. I have no knowledge of this account and have not received any communication or contract from this company. I am requesting an investigation and immediate removal of this item and it is incorrect and does not reflect my true credit history. I have never had a contract or account with this company.
Product: Debt collection

i lived at XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Md XXXX.in 2015. In XX/XX/XXXX i asked for a different unit as i did not get the unit i was shown. XXXX the property manager told me i was free to leave.Then on XX/XX/XXXX they sued to evict me for nonpayment of rent. It was thrown out. I left in XX/XX/XXXX. XXXX XXXX the owner of the building represented them in court.
i received no notice of case being filed against me The rent was {$1700.00}. NOw the debt collector is demanding XXXX. I have no idea how they came to that figure. They started calling my daughter thi s XX/XX/XXXXand i found their address..
The debt collector is Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Fla.XXXX. i contacted a lawyer have not heard anything so far. they have ruined my credit and i have no way to handle this