23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My identity was stolen in XXXX, and several debts were incurred in my name. For XXXX of these debts I am still receiving debt collection notices, from different companies. It appears that the debt has been transferred or sold by these companies, despite knowing that the debt was based on identity theft, and not collectible. The account is a credit card that was opened in my name with XXXX XXXX XXXX XXXX, with a balance of {$460.00}. 
I first learned about the account on XXXX XXXX, XXXX by phone call from XXXX XXXX, who worked for XXXX XXXX XXXX, and said she represented XXXX. I faxed her a copy of the police report to fax # XXXX. I also sent a letter to XXXX, with a copy of the police report. 
On XXXX XXXX, XXXX I received a demand letter from XXXX XXXX XXXX, attempting to collect {$540.00} on the same fraudulent account, current owner XXXX XXXX, XXXX. I sent a letter to XXXX XXXX XXXX the same day, with a copy of the police report. 
On XXXX XXXX, XXXX I disputed the account with XXXX. 
On XXXX XXXX, XXXX the account was removed from my XXXX file. 
During the month of XXXX, XXXX, I received phone calls from XXXX with XXXX XXXX in Florida ( at XXXX, or XXXX XXXX ). He told me the current owner was Credit Card Resellers, and the balance was {$450.00}. I do not know why the balance was lower, as I had not made a payment on this account. I emailed XXXXXXXXXXXX the police report, the XXXX letter stating the account was removed from my file, and a reminder not to try to sell my account to someone else. On XXXX XXXX, XXXX I noticed a charge for {$450.00} on my XXXX XXXX business credit card. I spoke with my office manager, who told me someone from XXXX had called the office and demanded payment for a past due debt, upon which she had given them the office credit card number. I contacted XXXX XXXX to reverse the charge, which they did on XXXX XXXX, XXXX. I could not believe XXXX XXXX was trying to collect on this account behind my back, knowing full well it was a fraudulent account. 
Last month I received a demand letter from Dynamic Recovery Solutions referencing the same XXXX account, with a current balance of XXXX, current owner International Collection Services. I am mailing them a cease and desist letter, a copy of the police report, and a copy of the XXXX XXXX, XXXX letter from XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA 605 ( b ) ( 15 U.S.C. 1681c-2 ) ( Requires removal of each item from the credit report which you identify in your complaint within 4 days of complaint getting submitted to CFPB ) FCRA 611 ( 15 U.S.C. 1681I )
Product: Credit card or prepaid card

I received a call from the phone number XXXX ( XXXX ) XXXX at XXXX XXXX  on XX/XX/2021 from a person saying they were from US BANK offering a credit card offer that I had received in the mail. The man on the line began with some small talk about being in XXXX and talking about the weather. Feeling reassured, I consented to being recorded and to opening the card and the man on the line who had already said my full name and address asked me to state my address, birthday, cell phone number, employment status, yearly income, and last 4 digits of my social security number. When he said that my connection was getting bad and began to sound frustrated so he said he though he had a solution and hung up. I realized when he did not call back that it had been a scam.
Product: Debt collection

Revco Solutions put a collections account on my credit report. I never received anything from this company and do not have an account with them. So I mail them a debit validation letter on XX/XX/XXXX  ceritified mail wanted something with my signature on paperwork, dates of procedures and anything they had. Received a response today from Revco Solution with items from my medical records on a procedure from home health care provider XXXX XXXX/speciality and medication that I received and they injected into me in my home. It was on a XXXX  letter head not Revco Solutions also had my health care insurance number on it. I don't have an account with Revco Solutions and I Never signed anything for a release of my medical records or procedures from either of these two companies which violates my civil rights under HIPPA. No where does it say that I owe Revco Solutions any Money or even have an account with them. I would like to have Revco Solution remove the collections from my credit report, I not I will sue them for violating my HIPPA rights.
Product: Credit reporting or other personal consumer reports

The original creditor is not XXXX XXXX it is XXXX XXXX XXXX. 

Also, the open date ( XX/XX/XXXX ) that is being reported is not correct as my last payment to XXXX was XX/XX/XXXX before I voluntarily repossessed my car in XXXX of XXXX. XXXX sold the debt the same year after my car was sold to XXXX  on XX/XX/XXXX. 

Also, The open account date changed ( restarted ) after I sent a debt validation request early XX/XX/XXXX. In that debt validation request was a list of other information I requested that was never provided. I was sent just the bottom part of a contract with my signature and not the complete contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've paid my capital one car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.
Product: Mortgage

I have a HELOC with Chase. Chase is reporting monthly payments are on time. Principle balance has been increasing. This is not an interest only loan. 

Below is the screenshot of the Chase website account history. 

{$63000.00} See details Opens dialog : Principal balance {$62000.00} Next payment due XX/XX/2021 Amount due {$280.00} Automatic payments Off |Set upAutomatic payments Available credit {$800.00}. 
Date Description Amount Balance XX/XX/2021 PAYMENT {$280.00} {$62000.00} XX/XX/2021 PAYMENT {$0.00} {$63000.00} XX/XX/2021 PAYMENT {$270.00} {$63000.00} XX/XX/2021 LATE CHARGE WAIVED {$25.00} {$63000.00} XX/XX/2021 LATE CHARGE ASSESSED {$25.00} {$63000.00} XXXX  XXXX, XXXX MISAPPLICATION REVERSAL {$270.00} {$63000.00} XXXX XXXXXXXX XXXX MISAPPLICATION REVERSAL {$1.00} {$63000.00} XXXX XXXXXXXX XXXX PRINCIPAL PAYMENT {$1.00} {$63000.00} XXXX XXXX, XXXX  PAYMENT {$270.00} {$63000.00} XXXX XXXX XXXX  PAYMENT {$1.00} {$63000.00} XXXX XXXX XXXX PAYMENT {$270.00} {$63000.00} XX/XX/2021 PAYMENT {$1.00} {$63000.00} XX/XX/2021 PAYMENT {$280.00} {$63000.00} XX/XX/2021 PAYMENT {$270.00} {$63000.00} XX/XX/2021 PAYMENT {$1.00} {$63000.00} XX/XX/2021 PAYMENT {$270.00} {$63000.00} XXXX
Product: Checking or savings account

At the beginning of XX/XX/2017, I opened a Bank of America checking and savings account. On XX/XX/XXXX, I deposited a final payroll check from my employer, made out to me, through the mobile app. After the date that the funds were supposed to be posted ( XX/XX/XXXX ), and my account balance was still {$0.00}, I called customer service and they said my check was flagged as fraud and my account was being closed. After going back and forth for 2 months, they said they would mail out a cashiers check for the full amount. They could not provide me a tracking number, estimated date I should expect the check in the mail, nor was it sent certified mail so didnt require an authorized signature to be released. It is not almost 3 years later, and I have not received any check or follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

i REPEATEDLY HAVE SUBMITTED DISPUTES ON PRESTIGE FINANCIAL SVC. IN REGARDS TO WHAT THEY ARE REPORTING, AND I HAVE FILED DISPUTES WITH EXPERIAN, XXXX XXXX, AND XXXX. PRESTIGE HAD CHARGED OFF THE ACCOUNT IN XX/XX/2018. THE BALANCE AT THAT POINT WAS XXXX. THE ACCOUNT IS CHARGED OFF AND CLOSED. PRESTIGE CONTINUES TO ADD PAYMENTS EVERY MONTH AND REPORTS IT TO XXXX WHO LISTS THIS INCREASING BALANCE, THE BALANCE INCREASES, IT IS THE ORIGINAL CREDITOR. I UNDERSTAND THEY HAVE THE RIGHT TO COLLECT THE XXXX HOWEVER THEY DO NOT HAVE THE RIGHT TO KEEP ADDING FEES EQUIVELANT TO MY CAR PAYMENT, I HAVE ASKED REPEATEDLY FROM PRESTIGE AND XXXX TO VALIDATE THAT THEY HAVE THAT RIGHT IN MY CONTRACT TO DO SO, HOWEVER NO ONE WILL SHOW ME MY SIGNED DATED CONTRACT AUTHORIZING THE CHARGES AS IS MY RIGHT TO RECEIVE. AT THIS POINT I WANT THEM REMOVED FROM ALL BUREAUS THEY REPORT TO.
Product: Debt collection

XX/XX/2019 I paid my rent of {$1700.00} four days later I was evicted four days later and had to leave in 24 hours. They kept my rent of {$1700.00} and my deposit of {$3500.00}. 
They then sent me to collections with an itemized bill of expenses that are not true. They double charged for cleaning. They charged me {$1100.00} for cleaning carpets. There are no carpets in the unit. I stayed there for over two and half years and was charged for items that should be normal for someone who lived in the same place for so long. 
I should not owe any money after they kept over {$5000.00}. 
Please look at the attached list and you will see these false charges. 
I was charged for cleaning three times and if we include carpet that doesn't exist it would be four times I was charged for cleaning. Please help with this.
Product: Debt collection

Someone leased a car in my name in 2017 I believe I didnt even have license or insurance at this time but they purchased a car off-line for about XXXX the car was picked up for non-payment and they sent me a letter stating I owed {$6400.00} because they saw the car and Im responsible for the rest they put it on my credit I contact the credit bureaus and my bank. The company was XXXX XXXX and the debt collector as for XXXX now is Jefferson Capital
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report and notices all these inquiries and account that isn't mine. The account is XXXX XXXX XXXX/ XXXX XXXX which i never had. i have numerous inquiries that are not mine that i would like removed asap. 
1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX  XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX  XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX 10 ) XXXX XXXX 11 ) XXXX 12 ) XXXX XXXX XXXX XXXX 13 ) XXXX XXXX XXXX 14 ) XXXX 15 ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the unfair and harmful practices of ChexSystems and XXXX XXXX XXXX XXXX XXXX XXXX, which have unjustly impacted my access to personal and business banking and funding opportunities. Despite having an excellent credit score and no prior issues opening or maintaining bank accounts, I have recently been denied access to financial services due to information reported by these agencies. This denial has caused significant hardship and stalled my business operations. 

I have taken extensive steps to address this matter, including opting out of their reporting services and directly disputing any inaccurate or unverifiable information they claim is associated with my accounts. Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), these agencies are legally required to investigate and correct or delete any inaccurate, incomplete, or unverifiable information. I have requested proof of validity regarding the errors they allege and proof of any accounts they claim I am associated with on multiple occasions. Despite my repeated efforts and the documentation I provided, including proof of my identity and the circumstances surrounding this issue, they have failed to comply with these legal obligations and have not validated their claims as required under the FCRA. I called and requested this information and they have been stalling, telling me it would take 30 days. It has been over 3 months now. 

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and a data breach involving my personal information, which could be contributing to the errors reported. ChexSystems and XXXX have been notified of these critical details and have been provided the necessary documentation to validate my identity and investigate the dispute properly. Their failure to provide proof of any legitimate basis for the denials or correct the inaccurate reporting has caused ongoing delays, restricted my access to financial resources, and created unnecessary stress and hardship for me and my business. 

I am seeking immediate intervention and enforcement of FCRA regulations ( XXXX XXXX XXXX XXXX XXXX XXXX regarding accurate reporting and XXXX regarding dispute resolution ). I request that these agencies be held accountable for their non-compliance and that any unverifiable or inaccurate information affecting my banking access be corrected or removed promptly. Thank you for your attention to this matter.
Product: Debt collection

I am unaware of this debt I didn't have an opportunity to dispute this information if in fact if you believe you gave me proper notification then please send me the certified receipt with my name and signature on it.
Product: Debt collection

I have previously disputed this debt multiple times. Then the debt is sold to a new company and they start contacting me and I have to dispute again. 

Every morning I get a call from the same number and when I answer they refuse to say anything and just hang up. On XXXX I sent a certified letter to the company that they signed for and even confirmed via phone that they received. This letter specifically stated that the debt was not mine and I should not be contacted again regarding this matter. Yet every morning I still get a phone call from this debt collector. 

On XXXX I spoke with three different people at the collection agency and recorded my call. During this call all three people ( XXXX, XXXX (? ) and XXXX XXXX confirmed that they were aware of the letter that was sent and could see it in my file yet they were still contacting me. Their excuse was that they do not call it is the automated dialer that calls and they can not control the automated dialer. Which makes no sense at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I requested my free annual credit report from Equifax. They are refusing to provide it unless I submit my w2, copy of drivers license, copy of utility bill etc. 
My name, address and social security number hasn't changed in XXXX years and I request a copy of my credit report each year for the last XXXX years. Equifax is just trying to make it impossible for me to get my free annual credit report without hassling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting a {$65.00} collection on my credit file for over 5 years. 
I disputed this account 5 times. XXXX sold me a defective phone for {$380.00} dollars Never fixed it. service was bad and I could not use the phone. I paid them in full Even I did not have too. XXXX is damaging my credit file along with XXXX  and trans Union not following the fair credit reporting law. I cant refinance my house because Of this collection on my credit file. There two choice I have XXXX to remove this collection I will sue XXXX for defective XXXX XXXX bad service and XXXX will Pay me back for damaging my credit for no valid reason. They owe me money.
Product: Consumer Loan

I got my car back on XX/XX/2017 and my car has been in the shop multiple time with in the last 3 month for the same thing and the issue have not been fix no one has offered me a ride back and forth to work I lost a job because of this car situation and now my car is back in the shop for the same issue and more as of today will mark its XXXX or XXXX time being towed for the same reason. My care is over heating and my transmission is slipping. I called to say asking for all paper work showing proof that these thing were fixed on my car I have put a total of XXXX down and this car and nothing but problems just at the point that I want get my money back and take my business elsewhere.
Product: Consumer Loan

An account was opened in my name that does not belong to me. Westlake Financial Services continues to try to collect a debt that does not belong to me, and they are continuing to report it on my credit file when they have been told that the debt was as a result of identity theft/identity fraud. I have contacted this company and told them verbally, by email, and by fax that this is not my account and that they were reporting it against the wrong person. Westlake Financial Services has refused to respond to me, and they continue to report this fraudulent information to the credit bureau. I have demanded that they send me the documents to prove that this account belongs to me and have determined fraud. Instead of responding to my requests they continue to report this fraudulent information to the credit bureaus. Westlake has done nothing at all to prove that this account belongs to me. I have sent Westlake Financial Services a copy of a police report, and identity theft affidavi as well as a letter from JAG so that they would know that this is not my account, but they refuse to comply with my request.
Product: Student loan

I spoke with XXXX XXXX from ACSI on XX/XX/2018 around XXXX CST, in regards to my student loan. Because of the experiences with collection agencies in the past I hired help on my student loans. When we called to set up a payment plan the collector refused to discuss payment option with me and my hired help on the line. I do not understand why I am not able to have someone on the line to help me understand my options. I have the right to have someone on the line that is looking for my best interest only. XXXX asked me if I was able to pay the whole balance off which I can not. Then I gave XXXX permission to speak to my hired help since I do not know what options are available. When my hired help tried to intervene and speak on my behalf, he started to talk over her and his tone was harsh and voice was loud. My hired help tried to explain what she was doing for me to get the best option for my student loans. XXXX XXXX was very rude to her, I have never experience such bad customer service, he was yelling over her and wouldn't allow her to tell him what my plan was for my student loans. It was extremely unprofessional for someone to treat me and my hired help like that regarding student loans. The way he went off on us on the phone is unacceptable, I do not want to deal with people like that regarding my student loans. He made me feel uncomfortable about how I may be treated if she wasn't on the line. Is this how service is provided to people who have student loan debt? I have worked in customer service before, you never want to yell at someone over the phone and talk over them and be as rude as he was. It was the most unprofessional phone call I have experienced with my student loans. My hired help tried to get the information that was needed for me and we were not able to get that, after she tried to get a supervisor on the phone I was so disguised I wanted to just end the call. I hope the proper repercussion comes after listening to that call since they said they record all the calls.
Product: Debt collection

I am writing to file a formal complaint against Toyota Motor Credit Corporation for unlawful debt collection practices concerning a debt that I believe is barred by the statute of limitations under XXXX  law. 

The debt in question was charged off on XX/XX/XXXX, and I believe it pertains to an account originally held with Toyota Motor Credit Corporation. Under XXXX XXXX XXXXXXXX and Remedies Code, Section XXXX ( a ), the statute of limitations for most consumer debts, including auto loans, is 4 years from the date of default or the last payment made. Based on this statute, the time limit for filing a lawsuit to recover this debt expired on XX/XX/XXXX. As a result, Toyota Motor Credit Corporation or any collection agency acting on their behalf is no longer legally able to pursue this debt in court or engage in collection efforts. 

Despite the expiration of the statute of limitations, [ Name of Collection Agency ] ( if applicable ) or Toyota Motor Credit Corporation has continued to contact me in efforts to collect this debt. I have not received any formal debt validation notice in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which requires that a collection agency provide proof of the debt and their legal right to collect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my XXXX, XXXX, and XXXX credit  report I noticed an account for Discover Financial Services. Sent a letter to the company to their mailing address addressing this fraudulent account. However they have not given me a response and its passed 30 days. They didnt provide me an application with my wet signature, and no permissible purpose this is violations of the fair credit reporting act and I have never applied for anything with Discover Financial Services.
Product: Debt collection

XXXX XXXX has been contacting me since XXXX 2015 or earlier, for collection on a Citibank credit card account that belongs to my husband, who filed for bankruptcy. The Citibank account was settled in bankruptcy court, so they were paid an allotted amount. I did not apply or use the card, ever. My husband 's bankruptcy has been discharged since about XXXX 2015. I have explained this to XXXX representatives of XXXX XXXX. The XXXX said she would send me a dispute form ... never happened. The XXXX said he saw where the issue was resolved so he was going to " send it up '' because I did n't owe the debt. The XXXX called last week. She said I owe the debt because I was not involved with the bankruptcy. I argued with her because I have not apply for, or used this card, ever. After I speak with a representative, they stop calling for a week or so. Then, they call several times per day while I am at work and then when I am at home. They continue to harass me. What recourse do I have? They put this on my credit report! What can I do about that?
Product: Mortgage

About a month ago, My wife and I submitted an offer for a XXXX-family home in XXXX, NY and was accepted by the seller. We contacted Wells Fargo for mortgage rate since they suggested that we could be qualified for their jumbo loan. Their jumbo rate offers competitive rate than other banks. Wells Fargo asked us for our personal information and run our credit for mortgage application pre-approval. Our application did n't run as smooth as we would expect, but the loan officer told us that we were not qualified for Jumbo rate. My wife and I decided to go back to XXXX, our primary bank, for a better rate. XXXX loaner office informed me that Wells Fargo had run XXXX credit check on me ( WITHIN A MONTH ) and it affects my credit score significantly. My middle credit score has dropped from XXXX to XXXX, which brought up the interest rate from 4.375 % to 4.625 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Name XXXX  XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX  XXXX  XXXX Account XXXX XXXX, Account Name XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name. XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

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.