23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am unaware of debt. I have not received any notices on the account. I tried disputing the account. It has fallen off before but then it will return. It keeps popping up on my credit report.
Product: Credit reporting or other personal consumer reports

Here is my issue, this is an except from an email I sent to someone at the bank : Bank of Texas purchased my mortgage, like many other mortgages early this year ( 2022 ). I realized this a little late and called customer support to get caught up with my payment and get put on Auto Pay ( there is a call recording ).

The guy who helped me get up to date stated that I was all good AND if I wanted to set up auto pay I could do it online and then briefly went over the rules about autopay. One of the things he apparently mentioned on the call was that I need to set up autopsy before halfway though the month to go through for the next month I thanked him for helping me with my cross over payments and jumped on the call. Several days later I went online and set up auto payment for the next month. In fact, when I set up auto payment I got a green indicator light telling me my auto payment was in fact set up for the next month. Fantastic I though, now I dont have to worry about manually going in and process the payment next month, everything was kosher. So I thought Well about 17 days into the next month I get a notification from my credit reporting agency that my credit score has dropped XXXX points for not paying my mortgage. I thought, how could this be. I took the time to set autopay up online, I even called support to help. So I logged in and saw autopay was still on, green lit, but apparently my payment did not go through. I wondered why, since I have over XXXX in my bank account. I called support and immediately they told me I we passed the cut off date to set up online payment automatically. So I was wondering how the holy XXXX did the site give me a green light and let me set it up. 

Anyways, there is a call recording. Multiple calls and they refuse to remove this from my credit report. For something that is clearly an error on the part of the bank. My next step here is suing the bank. I hope the CFPB can help get this removed from my credit report.
Product: Credit card or prepaid card

I am a victim of identity theft. I recently learned that my personal information was used to open an accounts at Synchrony Bank & XXXX XXXX XXXX company. I did not open or authorize these accounts. 

Enclosed is a copy of my Identity Theft Report supporting my position showing the fraudulent items related to the accounts that are the result of identity theft.
Product: Credit reporting or other personal consumer reports

I informed Experian and XXXX that account XXXX XXXXXXXX XXXX  reporting on my credit report is incorrectly reporting and should not be on my credit report. They are reporting a balance when this account is closed, and the statute of limitations has surpassed. The debt is uncollectable and should be reporting a {$0.00} balance. Furthermore, they are reporting that this account is in collections when it is with the original creditor XXXX XXXX. This is a violation of the FCRA. They were instructed to provide how they conducted their investigation and provide proof of their reporting, but they failed to do so. XXXX has since removed this account from my credit report. I also submitted a XXXX complaint against the company and the XXXX  has come back saying that the company failed to respond and did not validate this account. I will attach the XXXX response to this complaint. If this final request does not prompt you to conduct a proper investigation of the account in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. I take my credit very serious, and your lack of professionalism and assistance is gross misconduct. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I am anticipating your immediate response and removal of this account just as XXXX has removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance Owed : {$420.00}, XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00}, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Debt collection

This account was opened fraudulently. I have no leasing agreement with the XXXX XXXX or hunter warfeild inc they also have failed to provide the leasing agreement or any proof that I owe this debt with a picture of my license and signature. I have asked countless times to stop harassing me with calls unless they have solid proof I owe them this debt also the information reported to all XXXX credit bureaus is in accurate I have also provided a police report and they still continue to request payment.
Product: Mortgage

Worst mortgage company I have ever dealt with in my life if I could give them a negative score they would have it! The mortgage company constantly adds insurance to my account despite me already having insurance from the closing date. They also like to add escrow to your account despite me being exempt due to me being XXXX percent XXXX Veteran. Since they are a debt collector they will make your personal credit account 60 plus days delinquent for taxes that will show you aren't paying your mortgage even though you are posting payments that were never due and ruin your credit. They also take months 4+ months to fix the problem while you are stuck dealing with rude employees and managers that like to frequently hang up in your face. They never fix a problem in a timely manner they lose paperwork or don't document it properly which always effects your credit negatively. Worst of all I didn't even choose them as a mortgage company they brought my mortgage they will not contact you at all you if they have an issue with your account.They will illegally add incorrect payment status balances to your credit without even trying to speak to you. These practices are very predatory and prey upon individuals who would just pay for it without thinking be wary of a lot of late fee charges. No matter how many times you call or who you speak to nobody can speed up the process.
Product: Payday loan, title loan, or personal loan

cash express is threatening legl action on a loan from XX/XX/2014. they already been fined from bureau of consumer compaints about this business practice. itis also my belief that loan has already been paid. They are violating their settlement agreement. Cash Express XXXX XXXX XXXX XXXX XXXX, Ky XXXX XXXX XXXX XXXX.
Product: Debt or credit management

XX/XX/2023 I was contacted by Palisade Legal group with an offer for a debt consolidation loan. I applied for the loan & was denied but they offered me an alternative in which they would negotiate my debts with creditors in exchange for lower monthly payments. After explaining to Palisade my concerns of negative impact on my credit & XXXX score I was assured by their representative that a negative impact was brief & temporary. I agreed. In order for the Palisade Legal Group to be able to negotiate debt with creditors on my behalf their representatives advertised me to let my accounts go delinquent by not paying them & ignoring phone calls & threats from creditors. This caused my credit score to drop from XXXX to XXXX and XXXX  XXXX score to go from XXXX to XXXX in under of 4 months. I was told my credit score would only be affected for a short period of time and I would see it increase. When I called to ask how long should I expect to have bad credit I was told for the length of the program which is 5 years. From XX/XX/XXXX until today XX/XX/2023 I have made 5 payments of {$900.00} Palisade Legal group has since negotiated settlement with 1 of the promised 8 creditors of {$64000.00} of debt. They have since paid a {$270.00} check & a {$25.00} check to that one settlement. I believe they are taking off the top of the amount Palisade agreed to settle they are collecting a 27.50 % fee of {$17000.00}. I made this agreement with Palisade Legal Group I was trying to Finance a Semi Truck for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX and rent an apartment. With my bad credit & low XXXX scores this is no longer possible 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 also canceled my {$5000.00} line of credit that I was going to furnish my apartment with because they are affiliated with one of the creditors XXXX XXXX  XXXX XXXX XXXX XXXX is automatically taking money from my XXXX XXXXXXXX XXXX account because thats what they do when you owe them & have a XXXX XXXX XXXX  Account Palisade Legal Group has ruined my life!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX Account number : XXXX Status : Collection account According to a publication of the Internal Revenue Service, Charge-off or Collection or 1099-C or Cancellation of Debt are regarded as gross or ordinary income.

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s, Charge-off or Collection or 1099-C or Cancellation of Debt, reported on a consumer 's credit report as debt or loss inquired by a business, is fraudulent and inaccurate accounting. As gross or normal income is not reported on the consumer report. Take Mandatory Judicial notice, 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Take Mandatory Judicial notice, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am requesting that these accounts be removed from my credit report as I did not receive enough information to verify the debt, and XXXX has already removed these accounts for the same reason. have made several attempts to obtain information about these accounts from the creditors, but they have failed to provide me with sufficient information to verify the debt. As a result, I am disputing the validity of these accounts and requesting their removal from my credit report. Please delete these following accounts on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an online transaction was made through our banking institution Wells Fargo via XXXX in the amount of {$230.00}. XX/XX/XXXX XXXX TO XXXX XXXX ON  XX/XX/XXXX REF # XXXX {$230.00}. The product/service was not received. Contacted Wells Fargo and a claim was filed # XXXX. We would like our money back. This was fraudulent act committed ; Wells Fargo should back all transactions on their website and in good faith refund the customer. We were told most likely we would not be getting our funds back. 
Please assist in obtaining our {$230.00} back. 
Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

When i log into Transunion, I cant get a free report without using my credit card.Also, If i want to dispute past transunion reports online, transunion dispute page says its unable to dispute at tis time.This has been going on for months.Not sure whats going on with Transunion but it seems there is a problem with there site.I can easily lg into XXXX, XXXX  and dispute trade lines with ease
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX ] [ XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX ] Dear Sir/Madam, Re : Dispute of Inaccurate Information and Request for Correction I am writing to formally dispute inaccurate information on my credit report, as provided by your agency. I have reviewed my credit report and identified an entry that I believe to be incorrect, and I request that this information be thoroughly investigated and corrected. 
Details of the disputed entry : Account Name/Number : XXXX XXXX XXXX XXXX Date of Entry : [ XX/XX/year> ] Reason for dispute : [ inaccurate reports ] According to 15 U.S. Code 1681o, I am requesting that you conduct a reasonable investigation into this matter and correct any inaccuracies found. If this information is not accurate, I request that it be immediately removed or updated in accordance with the Fair Credit Reporting Act. 
Please provide me with written confirmation of your findings and any actions taken within the 30-day period, as outlined in the FCRA. I also request that you send me an updated copy of my credit report showing the resolution of this dispute.

Should your investigation determine that the information is indeed inaccurate, I expect prompt correction in compliance with 15 U.S. Code 1681o, which holds credit reporting agencies accountable for willfully failing to comply with the provisions of the FCRA. 
I look forward to your prompt response and resolution of this matter. Should you require any additional information to proceed, please contact me at the phone number or email address listed above. 
Sincerely, XXXX XXXX
Product: Debt collection

I have repeatedly sent my final bill to the collection agency, showing the amount owed to me he original creditor. ( {$100.00} Final Bill Statement from XXXX XXXX XXXX ) The collection agency, afni, sends me correspondence letters stating I must pay {$930.00},
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to the continued collection activity and reporting of an alleged debt by the above-referenced company, despite my lawful demands for verification and documentation under multiple consumer protection laws.

I have formally disputed this alleged debt and requested that the company : Provide a certified copy of the original agreement, signed by me, that legally establishes the alleged obligation ; Produce documentation proving mutual acceptance and execution of the contract by both parties, per Louisiana contract law ; Provide an itemized accounting of the debt ; Disclose any insurance claims, charge-offs, or 1099-C forms related to the account ; Clarify the legal basis for continued credit reporting if the debt has been forgiven, settled, or charged off.

Despite these lawful requests, the company continues to report inaccurate and unverifiable information to consumer reporting agencies in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Internal Revenue Code and 26 CFR 1.6050P-1 Louisiana Civil Code, Articles 19271983 Privacy Act of 1974 5 U.S.C. 552a Privacy Act Violation and Opt-Out Notification Additionally, under the Privacy Act of 1974, I submitted a written and signed opt-out request via certified mail to the company, expressly stating the following : I formally opt out of all data sharing with credit reporting agencies, affiliates, third-party collectors, and data aggregators ; I hereby demand that the company cease and desist from reporting or distributing any of my personal, financial, or credit-related information, effective immediately and indefinitely ; I expressly revoke any and all prior consent or authorizations, whether written, non-written, verbal, non-verbal, implied, or assumed, that may have been previously given to the company to report, share, or disclose my personal financial data.

Despite this lawful and properly delivered notice, the company continues to furnish or update my private financial data to third-party agencies, in direct violation of my federally protected privacy rights and revocation of authorization.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

ARS ( Account Resolution Services ) is claiming they received a debt from XXXX XXXX XXXX which oversees ER doctors. They claim that XXXX has record of me seeing a XXXX XXXX XXXX at the ER of XXXX XXXX XXXX in XXXX, VA in XX/XX/XXXX. I did not visit the ER at XXXX XXXX XXXX at anytime in XX/XX/XXXX. I never saw a XXXX XXXX. I called XXXX and was routed to an organization called XXXX. I spoke with a representative who tried to look up my collections account by all means possible ( i.e. First name, Middle name, Last name, SSN, birthdate, etc. ) with no success. They said that I was never a patient with them. Being that I did not use the services of the ER and that there is no record with the original debtor I am contesting this debt. Lastly, I was never notified of this debt with any statements or phone calls. The address they claimed to send the statement to that came back as " undeliverable mail '' was not an address I was living at the time they claim the services were rendered. The debt appeared on my credit report in XX/XX/XXXX, two years after the supposed event. I was made aware of the debt when my mortgage loan officer sent me a credit report recently. It was not on my credit in XXXX. I have filed a dispute with all XXXX credit bureaus but wanted to make you aware that this is not my debt and I was never notified before it was negatively reported on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate.They never did a fair investigation according to the 15 USC 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to:15 U.S.C 1681 Section 602 A. States I have the right to privacy.

According to:15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions According to : 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 card

I received an unsolicited XXXX rewards XXXX card issued by Chase Bank. I did not activate the card and took the mailing envelope along with the XXXX XXXX and enclosed documentation to a local Chase branch and requested that the card be closed. The Chase officer called Chase Security and they canceled the card telling us that fraud was already suspected and that they had some knowledge of the Amazon.com/Chase Bank connection so the card was frozen prior to the branch banker calling today. Since the card was not activated there were no charges made so to the best of my knowledge nobody lost any money. I was told by Chase security to notify the credit reporting agencies, and the financial institutions with whom we have accounts to alert them. I have checked all of our accounts and received a credit report from XXXX and found no suspicious activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is fraud, I never used or acknowledged any services from this company, I have written to have this fraudulent activity removed but I have been unsuccessful.
Product: Debt collection

Per 15-US 1692g validation of debt the two following accounts could not be accurately validated and need to be removed from my credit report immediately.

I am writing to formally dispute the inaccuracy of these accounts and request immediate removal. Please update my credit report and send me an accurate copy reflecting this account deletion, Portfolio Recovery in the amount of {$480.00} Portfolio Recovery in the amount of {$1300.00} XXXX XXXX in the amount of {$1100.00} XXXX XXXX XXXX XXXX in the amount of {$750.00} This collection agency has been reporting these accounts inaccurately. Because of this inaccuracy, my credit has been adversely affected and Ive been unable to secure a rental property and Im homeless. Please help me rectify this situation ASAP as I am entitled to an accurate credit report. 

Thank you for your prompt attention to this matter and I look forward to your response and timely resolution of this matter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Product: Debt collection

This company is trying to collect a debt, that was paid off years ago. This has been going on for about three months. I paid this debt to XXXX XXXX XXXX in the state of Ohio in they Address is XXXX XXXX, XXXX XXXX, OH XXXX. In the year of XX/XX/2016.
Product: Credit reporting or other personal consumer reports

These accounts were reported in my information and are not mine XXXXXXXX XXXX  XXXX {$2100.00} XXXX XXXX {$0.00}