23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am receiving debt collection letters from Resurgent Capital Services L. P. trying to collect a debt that I do not owe. Someone used my information to open an account with XXXX XXXX, XXXX. XXXX XXXX has turned the account over to LVNV Funding LLC who in turn have apparently turned the information over to Resurgent Capital Services. I have written them and advised them that the debt is not mine but they refuse to take measures to remove the information from my credit report. I want the information removed from my credit report. It is adversely affecting my credit.
Product: Credit reporting or other personal consumer reports

21st mortgage company failed to provided the following verification ; Debt validation claim, payment history, original signature, insurance claim and chain of title. Also company dates on payment are wrong you cant VS a home more than once. This account is closed. No further payment should be generated. This home was sold and this should be removed off my credit report. If company cant verify the above in 30 days this debt should be deleted off my credit report, therefore debt does not exist. Company failed to provide the above in a timely manner. Debt should be removed if not validated in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX Bank is claiming and reporting this derogatory info to the 3 credit bureau, that i owe them {$16000.00} which i asked them by certified letters and return receipt, if they have any documents, or any evidence bearing my signature by all means to send it to me and i will honor it but despite my numerous certified letters to them i never received anything from them proofing this is a valid debt, but despite all they still continuing reporting it on the 3 credit bureau damaging my financial life irreversible.
Product: Debt collection

Step 1  : What is this complaint about? 

My credit report is showing that I have debt collection for the amount of {$230.00}, from my former XXXX   provider for service on XX/XX/2017, which is incorrect. 

Step 2 : What type of problem are you having? 

My former XXXX  provider, XXXX, is trying to charge me for a service that has already been paid by my XXXX  insurance carrier. Never was I a cash-paying customer. At the time of service, no one asked me for payment nor did anyone tell me that I had a balance of {$230.00}. My insurance information was already on file in their system. 

Step 3 : What happened? 

My former XXXX  provider reported me to a collection agency for a routine office that was covered by my XXXX  insurance carrier. I paid the co-pay in cash and never was I asked to pay for anything else. 

Step 4 : What company is this complaint about? 
XXXX  who has reported me to the debt collection agency, Capital Accounts. 

Step 5 : Who are the people involved? 
Myself, XXXX and the debt collection agency, Capital Accounts
Product: Debt collection

Account Details Last Reported   XXXX   XXXX   XXXX    Collection Agency CAINE & WEINER COMPANY INC  Original Creditor  XXXX   XXXX  Status Open Opened Date   XXXX   XXXX   XXXX   Closed Date -- Responsibility Individual Account.   Balance {$3700.00}  High Balance {$3 700.00}  Remarks Consumer  disputes this account information  No Idea  about this account
Product: Debt collection

I disputed this debt with XXXX because I do not owe anything to XXXX XXXX XXXX for a Chase Account. I complained in XX/XX/XXXX on this site for them taking a check wrote to XXXX XXXX financial and cashing it on this account for Chase bank. They have now reported to XXXX that I made a payment on XX/XX/2015 claiming that check was a payment. So no they have committed fraud by cashing a check not wrote to them and they have lied to the XXXX bureaus that report your credit information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Today I received the loss mitigation package for a loan modification. 

There are several problems. The paperwork that was sent to me was a loan modification claiming my unpaid principal balance is {$190000.00}. This is incorrect. The outstanding principal balance on my last statement was {$170000.00} and the original loan amount was only {$190000.00}. In addition to the principal balance being incorrect, the loss mitigation itself is incorrect. I had not requested a loan modification. I have requested a deferment or VA partial claim to pay back the forbearance amount.
Product: Debt collection

Hello last year the contract of my internet provider was finished on XXXX and i opted out and did not want to receive anymore of their services after that month ended. a month later i got a letter that i did not return some equipment and stating that i owed them some money without saying for what since my contract ended. the letter said to return the equipment after 5 days or legal consultation on their part will happen ( the letter arrived after the 5 days they talked about ) i tried to call them but impossible. today XX/XX/XXXX i received a letter of a company trying to sue me saying i owe a debt one that i did not know i had and that i would be taken to court if not responded letter says XX/XX/XXXX and it arrived on the XXXX were the letter said they would take legal action after the XXXX. its left me in a difficult position cause i have never heard or received before a letter of this company. plus it was sent to my parents home where i no longer reside.
Product: Checking or savings account

XX/XX/24 at XXXX this morning I was charged XXXX for a credit builder loan from XXXX I cancelled my account on the XXXX and they manually pulled the money anyway after my account closed on the XXXX and then I get a charge on the XXXX its just weird they were able to pull my account into the negative using ACH and I just want my money back in my account and not in the negative balance I have a CHASE Secure Banking card with no overdraft spend what you have and it stilled pulled it into the negative Im upset at this uproar of a way to wake up in the morning.
Product: Debt collection

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Product: Credit card or prepaid card

ELAN CACS CC account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( ELAN CACS CC XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a credit report issued by you, I have found many errors. 

Specifically, these errors are in the Personal Information section. I am seriously concerned about identity fraud and feel that having inaccurate information on any credit report can become an opportunity to open me up to identity theft, which I, as a knowledgeable consumer would like to avoid. 

The following is the only address that should be listed on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX The ONLY Information that should show on my credit report is, as follows : ( Please delete all information that does not ) : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX Previous/Past address : none Employer : XXXX
Product: Credit card or prepaid card

Credit karma deceived me by stating pre approval and I was not approve to the card they offered me by stating I was approved and I was declined which reduced my credit score
Product: Debt collection

Recieved a letter from a Debt Collection Agency that informed me of my debt from XXXX XXXX XXXX XXXX  for XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. There was no correspondence prior to receiving this letter which XXXX has sold my debt to. The amount of the debt is stated as {$11000.00}. This is unreasonable and has taken a toll on my credit history. I am asking for this debt either to be removed and for any late payments to be removed from my credit history. XXXX and ARS National Services are in non-compliance with this debt request. 

Thank you
Product: Credit card

On Sunday XX/XX/XXXX I received an email from XXXX XXXX that i have a hard inquiry and I tried to reach XXXX XXXX i was told to call during business hours. At XXXX on Sunday I received another email application from American Express that I submitted an application for a credit card I never applied to. I called XXXX XXXX today Monday XX/XX/XXXX and I was directed to call XXXX when I called them. I was told to file a complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to the credit bureaus about inaccuracies and unknown items on my credit report. I have yet to receive a response, even though it is now the 31st day. I feel as if I'm being used and that my concerns are being discarded. Failure to investigate these items within 30 days, as specified in Section 611 ( a ), is grounds for immediate removal of those items from my credit report. They should be removed as soon as possible because it has been over 30 days. I demand that these accounts be removed immediately, or I will pursue legal action as a result of the stress you have caused me. My knowledge was also exposed to the Equifax data breach, and it may have ended up in the wrong hands.
Product: Credit reporting or other personal consumer reports

Credit Bureau Name : EXPERIAN Credit Bureau Address : XXXX XXXX XXXX XXXX, TX XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Your Date of Birth Your : XX/XX/XXXX Social Security Number : XXXX Date : XX/XX/XXXX Dear : EXPERIAN CREDITORS NAME AND ACCOUNT NUMBER : Account Name : XXXX XXXX Account XXXX : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

I don't believe this account were ever paid late as it is reported on XXXX. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. 


After doing so please provide me with an updated credit report reflecting the changes. 

Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity has been compromised since the year XXXX. The thieves used my stolen information to open a XXXX credit card and obtain mobile service with T-Mobile. I became aware of this situation in XXXX, and I've disputed these accounts numerous times with no result. Also, I have not received any information regarding these accounts from the companies. These accounts have been negatively reported since XXXX, which is significantly affecting my XXXX XXXX.
Product: Debt collection

Northstar Location Services , LLC sent me a statement from their agency without allowing me the opportunity to dispute the name and address of the original creditor. After receiving this particular letter, on XX/XX/2023, I received a notice on XX/XX/2023, for the same debt from XXXX XXXX XXXX XXXX XXXX from the original creditor who that informed was XXXX XXXX XXXX 

According to 15USC 1681 a ( dX2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet these companies are reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. These negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, and XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be considered officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

Experian did not investigate in a timely manner Not responded to my requests XXXX did not investigate in a timely manner. 
Did not respond to my requests
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I have never in my life did business with Capital One when looking at my credit report I noticed they were on there I am a victim of identity theft I did put a dispute with my credit bureaus about Capital One is a fraudulent account I did contact Capital One and they said they will note it on their account and erase it on file and contact my credit bureaus to delete it and they still have not done so please have them deleted from my credit report there has never been any type of business between me and them please have them stop playing with my credit report adding things on there and not listening to my consumer rights. they have been rude and do n't want to listen to anything I have to say I 've never done business with this company in my please remove my information that was falsely given to you.
Product: Checking or savings account

XXXX XXXX XXXX XXXX got and insf statement dated XX/XX/XXXX on account that i dont hawve. for {$190.00} asked for fraud debt wouldnt send me there - not me. 

also got a bank statement from united bank account # XXXX dated XX/XX/XXXX Not me either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received at the beginning of the year a copy of my consumer report, I noticed that all of my personal information was incorrect I sent out a personal letter to update my information on XX/XX/2022 Certified mail with return slip, Credit reporting bureaus received my letters on XX/XX/2022 & XX/XX/2022. I then started my account with XXXX XXXX to keep up with my consumer report on XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. On XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. 
Now this month I look at my consumer report and it is still incorrect XX/XX/2022 ACCORDING TO 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Which they violated Certified mail # XXXX : XXXX Trans Union XXXX XXXX XXXX : XXXX
Product: Credit card or prepaid card

XXXX XX/XX/2022 Certified letter sent to Capital One. 

I am writing you to dispute the fraudulent charge of {$1100.00} to my credit card account on XXXX XXXX 2022. This charge is in error because it is fraudulent. I did not make this charge to my card. I notified you of this XXXX XX/XX/2022 as soon I saw the fraudulent charge. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I understand that Federal Law limits my responsibility for unauthorized charges to {$50.00}. Your literature states that I have {$0.00} Fraud liability and that I wont be held responsible for fraudulent charges. 

I reported the fraudulent charge on XXXX XX/XX/2022 at XXXX hours. Less than 12 hours later I was informed that the charge was being upheld because the chip was used. I contacted your Customer Service to get clarification. Your agent stated that because the chip in the card was used, it could not be a fraudulent charge. A quick internet search debunks this claim. 

I made several more calls to your customer service on XXXX XX/XX/2022 between the hours of XXXX and XXXX. You note in your disclosure, before the agent comes on the line, that all of these calls are recorded. I was disconnected multiple times. One can only hope this was accidental. 

You did not investigate the charge any further. This was demonstrated when you directed me to contact the agent submitting the charge, SUMUP. The phone number you provided was incorrect. It contacted the U.S. company by that name, however, the agent involved is in XXXX. 

When I called again, I was directed to call the merchant listed. I had already attempted to contact them with the number listed on my statement. That number is not a phone number at all. No variation of adding the country code or city code for an international call transforms this into a working phone number. 

Next, I was directed to call the merchant listed as XXXX XXXX XXXX XXXX XXXX. I had already researched this information. I reported my findings to your agent. I explained to your agent that XXXX XXXX XXXX XXXX XXXX  is not a merchant. Bail is the french word for rent. XXXX XXXX XXXX is an abbreviation for XXXX, a suburb of XXXX with the zip XXXX XXXX. I have never been to XXXX XXXX 

I was a tourist in XXXX from XXXX XX/XX/2022 through XXXX XXXX 2022. I stayed in the XXXX XXXX. You can see this charge on my account. I did not rent an apartment. 

Thank you for your attention to correct this billing error.
Product: Credit reporting

Equifax refuses to remove an invalid judgment on my file. I have gone to the courthouse, and they have no docket on file under my name, and they said they would not have been able to verify a judgement with a credit reporting agency, as their is NO DOCKET on file, or recorded judgement for my name. The judgement is not on any other agency report, only Equifax. I have disputed this twice with Equifax. I have asked them their method of verification. They refuse to remove it, and have offered no method of verification. This needs to be removed from my credit report.
Product: Credit reporting

Bank of America did not adjust my automatic payment or inform me to adjust my automatic payment when my balance increased. Then they collected fees and reported me as being late to the credit bureau for two months.