23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from Asset Recovery Solutions , LLC claiming that they are collecting on behalf of XXXX. In there letter dated XX/XX/XXXX, the claim that my total current balance is {$13000.00}. As it stands according to XXXX, I do not owe them nor any collection agency. The debt they allege I owe is not valid nor accurate. Proof that is attached to this complaint will show that this company is illegally trying to collect on an account that is paid in full and is also closed with XXXX. The account they also is past the statute of limitation based of the Fair Debt Collection Practice Act, Fair Credit Reporting Act and Texas statute of limitation that is enforced by the Texas Attorney General. They have no right to collect on the account since it is paid in full. Furthermore, no documents or proof that this account is accurate was sent to me by Asset Recovery Solutions , LLC. I am going to consult with my attorney or legal recourse as they are breaking several federal and state laws. Also, since XXXX has been the center of several lawsuits, their selling off and transferring of accounts to deceive individuals as myself will not be tolerated. Also the fact that the XXXX loans I had with XXXX : one for {$4000.00} and the other {$2600.00} are nowhere near the doubled amount this company and XXXX are trying to collect wrongfully from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through each Credit Bureau i had submitted a dispute for a Closed account that continues to be reported as accurate but it is not accurate due to the fact that account should not be reported anymore. Car loan with XXXX XXXX was opened in XX/XX/XXXX paid off and closed in XX/XX/XXXX. There were delinquencies on this account and it does not reflect the date of first delinquency and are re-aging the account with the date last reported. In which now reflects date last reported XXXX in the Equifax Report and i never received notice of the results of dispute. I have even taken upon myself the duty of calling the XXXX XXXX XXXX in Puerto Rico were i had the loan and opened a claim to verify why the loan is still being reported on credit report, the bank auto loan customer service agent while filing the claim did confirm that the loan does not come up in their system and when it does not reflect it does not have anything to report to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$53000.00} XXXX XXXX XXXX {$770.00} XXXX XXXX {$0.00} XXXX  XXXX {$12.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a VICTIM of identity theft!!! Please delete these items as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a reply from you stay in that my verification on my credit report was frivolous. I assure you that in no way do I consider a matter of such importance to me as frivolous or a relevant. In fact they did not honor my original request to verify in remove the XXXX inquiries all my credit report that are unknown to me. I will list below all of the hard inquires any of them that I do not hold an account with and that are over 30 days old and that are duplicates I am asking for them to be removed. It is inaccurate and it is incomplete and it is a very serious error that you are reporting, and its effecting my credit. The following information therefore needs to be reinvestigated I respectfully request to be provided proof a di alleged investigation and I have these items listed deleted from my report as soon as possible UNKNOWN INFORMATION NEVER DID BUSINESS WITH THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently filed a CFPB complaint against Upgrade because of my account reflecting charges I did not authorize, the agent who responded said the transactions were being placed under investigation yet my account is still showing a balance and says I am past due?! 

How can I be past due for something I never purchased? 

I was promised this issue would've been resolved, I had reached out to the Claims Team the representative provided on the previous complaint however NO ONE answers! 

I've reached out 6 times already and left voicemails with no one contacting me back or helping to resolve this issue.
Product: Checking or savings account

Key bank : I deposited a business check into my business bank account. The bank froze my account due to the name of the check being my XXXX. 

I provided them with every document they requested but continues to move the goal post and ask for more documents which I have provided. Today they informed me that theres nothing else they can do for me but to try to get another check. 

So basically they took my check and some how flagged it as fraudulent but wont let me deposit in my other business account for some reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian consumer credit agency is one of the 3 major credit reporting bureaus and has reported a decrease in my credit score three times in the last one month! This has negatively impacted my credit score and hurt my credit! Recently, I received a credit limit increase on my XXXX XXXX credit card. I also have an XXXX XXXX card with a {$3100.00} limit. The balance on my XXXX XXXX card is {$710.00} and my total credit usage is under 30 % for all cards but Experian has lowered my score. There have been no new recent negative accounts on my report, only POSITIVE activity yet Experian lowered my score. I called their dispute department and spoke with rep. XXXX who then transferred me to customer service rep XXXX-operator # XXXX. Per XXXX he did not understand why my credit score decreased! He mentioned that he saw a mortgage on my accountI DO NOT OWN A HOME. I HAVE NEVER HAD A MORTGAGE. He then transferred me to his supervisor who ALSO did not know why Experian is reporting decreases in my credit score. Please help me because this is negatively impacting my score and hurting my credit. Experian just transfers me from one person to the next.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, 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 & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block and remove this account ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; Inquiry ; XXXX XXXX XXXX XX/XX/2020. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681e ( b ) Accuracy of the report ......

IRS defines charge off or a 1099c a gross or ordinary income. Income does not get reported on the consumer report. So why is a charge off being furnish as a debt on my consumer reports? When IRS says its an income, this now becomes an inaccurate account. Therefore should be deleted from my consumer reports. 
XXXX XXXX XXXX XXXX acct # XXXX a charge off. 
XXXX XXXX acct # XXXX. a charge off XXXX XXXX XXXX  acct # XXXX. a charge off XXXX XXXX acct # XXXX. a charge off XXXX XXXX acct # XXXX. a charge off All account listed above are charge off/written off, should be deleted according to 15 USC 1681e ( b ) Maximun accuracy 15 USC 1681e ( c ) Disclosure of consumer reports by users allowed.

A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if ADVERSE ACTION against the consumer has been taken by the user based in whole or in the credit report.
Product: Credit card

I applied for and was approved for a CapitalOne Venture card on XX/XX/XXXX. I received notification that it had shipped on XX/XX/XXXX. When the card had still not arrived, I called CapitalOne customer service on XXXX and XXXX. The first rep told me USPS had sent the card back and then I would have to wait until it returned. 

The second rep I spoke to on XXXX issued me a new card and said I would have to verify my identity by sending me a code by text message. I verified my identity this way when I first applied on XX/XX/XXXX, because I had trouble setting up my online account. This time the rep sent the text message and it did not go through to my phone. This was attempted twice and it didn't work either time. The rep then told me I would have to submit a photo of the front and back of my driver license for verification, and that it would take an additional 10 days on top of the two weeks I had already been waiting. The photos of the driver license are not blurry and I have used them for insurance purposes in the past. 

I submitted photos of my driver license, and then followed up on XX/XX/XXXX. Customer service told me the photos were blurry and that I should have been contacted to submit a better image. I was not contacted about this, and furthermore I already have a bank account with CaptialOne, including a debit card that was successfully mailed to me and activated. They know who I am. There is no reason for this verification. There is likely a technical issue with their system, because I was verified before over the phone by text message. I should not be penalized for their issue. 

Additionally, there is a sign-up bonus associated with this card, and it includes a spending requirement that must be met within 3 months of opening the card. CapitalOne has already wasted a month of my time dealing with this, which could lead to me not receiving the sign-up bonus and other benefits of using the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Bridgecrest formerly XXXX explained this account was settled and closed. This account has {$0.00} balance. This account with Bridgecrest formerly XXXX has been settled and closed, but is still on all XXXX of my credit reports. This account was paid fully by the insurance company upon repossession. Therefore this account needs to be removed Immediately! Therefore you are reporting false information on my credit. 
As a citizen I have a RIGHT to have a accurate credit report, but as a CONSUMER congress gives me a right to dispute inaccurate information on my credit profile. 

15 USC 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX - XXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away. 

XXXX - XXXX - Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX- XXXX- Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

XXXX XXXX  - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX - XXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away. 

XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away.
Product: Debt collection

Dealing with payment collector from CNAC dab JD Byrider in XXXX XXXX TexasOn XX/XX/XXXX I was bombarded by a voicemail, a text, an email and calls to XXXX personal contacts without the opportunity to respond to any XXXX of these modes of communication. I called back in the morning responding to all three media and was called from a number which I later discovered was the collector on a cell phone. She claims it is a company cell phone but she had previously reached out by text and when I asked who it was there was no response. I have deduced that it is the collector sending harassing texts for a payment that was past due. On XX/XX/XXXX the I asked the collector about a text from phone number XXXX ( XXXX ) XXXX to which she denied. When I spoke with her today XX/XX/XXXX she changed her story and stated that she did not have to identify herself, meaning she lied when prompted about her identity on a cell phone. She also mentioned that this is how they conducted business. I informed her that I will be filing a consumer complaint.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # [ Account Number ]. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law.

Thank you for your prompt attention to this matter. I look forward to your respons
Product: Mortgage

My mortgage was sold to Shellpoint Mortgaging Services, and they took ownership of my mortgage XXXX. I had just closed on the home, so no payments had been made. I filed a recurring payment request on biweekly status. Due to the transfer/sale of my mortgage, my first payment that was due XXXX did not come out until XXXX. I was told that the payments would then post every 2 weeks from that new date, meaning XX/XX/XXXX, XXXX, XX/XX/XXXX, and so on. My XX/XX/XXXX payment did not post until XX/XX/XXXX, and after numerous attempts and promises by Shellpoint to call me back, this issue is still not resolved. My account still shows payment due XXXX, but shellpoint says the next draw wont occur until XX/XX/XXXX. I still can not get a clear answer on payments, the online portal will not allow me to modify my payment schedule, and when I call the number to modify, I keep being told a supervisor has to call me back but they never do.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My loan was transferred from being provided by XXXX XXXX back to Discover onXX/XX/XXXX. 

My recurring auto-payment amount was changed without notification. 

I was unable to alter this on the Discover website ( as I had been with XXXX XXXX ). After calling to alter the amount ( which was a slow, unclear and laborious process ) I managed to change it back onXX/XX/XXXX. 

I checked back to discover website on XX/XX/XXXX to find that my auto-payment amount had been changed again without notification. 

I am really frustrated by how difficult and unhelpful Discover have been to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I have sent my first letter regarding invalid and unapproved things on my credit report. As of today, I have tried calling, sending a second letter on XX/XX/XXXX, as well as disputing items on Experian 's and XXXX XXXX websites. It has been over 60 days since submitting my first letter to Experian and XXXX  and I have not received a response to my request to remove all invalid and unapproved items that are causing me stress, anxiety, and worry. I feel that Experian has violated my rights according to 15 U.S.C. 1692g, U.S.C 1691e ( b ), 15 U.S.C. 1681. I would like Experian and XXXX to look into these items that are incorrectly showing on my created report as soon as possible. I am asking that these items be removed from my credit report as I will be seeking litigation to protect my rights. I would also like an updated copy of my credit report with the removed items to be mailed to my home address.