23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice from XXXX XXXX that a new debt collection was added to my account in XX/XX/XXXX. I immediately attempted to dispute the debt via XXXX. Due to the frequency of disputes from identity theft, XXXX will not allow me to dispute incidents online. I called XXXX and the dispute was submitted over the phone, but I was not allowed to attach documents ( see documents attached here ). Genesis Credit Management " confirmed '' the debt. Note that XXXX does not have my contact information and has never notified me of the debt directly. Next, I contacted XXXX XXXX at XXXX XXXXXXXX XXXX  XXXX XXXX, TX, the location of the fraudulent rental. The office staff requested my information via email ( XX/XX/XXXX ). I have not heard back. I followed up with XXXX XXXX via email on XX/XX/XXXX. 

I filed with FTC.Gov on XX/XX/XXXX and have attached that report which summarizes all incidents since XX/XX/XXXX. 

This is the sixth event in a series of identity theft related incidents, all involving apartment rentals in XXXX XXXX, TX. The individual also submitted a tax return under my name for XXXX. I have a copy of the fraudlent license and I testified in court as a witness against the individual who stole my identity ( XXXX XXXX Case # XXXX ). I filed a police report for identity theft as well ( XXXX XXXX XXXX # XXXX ).
Product: Debt collection

I am getting phone calls from Dynamic Recovery Solutions. They call on my work phone from XXXX or XXXX but have a call back number of XXXX. 

I checked my credit report and there is no outstanding debt. I have a credit freeze on my account and notification services if there is a change in my credit score or rating. 

I am very suspicious of this company posing as a debt collector and not sure how to prevent fraudulent calls posing as debt collectors when I do not have any unpaid debts.
Product: Credit reporting or other personal consumer reports

RE : XX/XX/XXXXBLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. The following personal information is incorrect. The following personal information is incorrect Account XXXX XX/XX/XXXXAccount XXXX opened XX/XX/XXXX and XXXX XXXX Account # XXXX opened XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.The inquiry was not authorized XX/XX/XXXX XXXX XX/XX/XXXXDEALER Date of inquiry : XX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XX/XX/XXXX. On XX/XX/XXXX, The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX, The inquiry was not authorized XXXX XXXX XXXX XXXX XX/XX/XXXX, The inquiry was not authorized XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report, The inquiry was not authorized XX/XX/XXXX on XX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XX/XX/XXXXon XX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXXXX/XX/XXXX XX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XX/XX/XXXXon XXXX, XXXX Please remove it from my credit report.PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXXOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XX/XX/XXXX IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

XXXX  is saying that on  XXXX   XXXX ,   XXXX   I transfered my account to another carrier. I have not. I have been a  XXXX  customer for many years. I have asked for signed documentation stating that I transferred to another carrier. To date, I have not received a response from  XXXX  or ERC regarding this issue that has been placed on my credit report. My account is now in collections with ERC  XXXX   XXXX   XXXX   XXXX , FL for {$100.00}. I have sent all paid statements in which my bill was paid to  XXXX  each month for the year of   XXXX   showing full payment due each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

account Balance and last payment made is Not correct, also account does Not belong to me because I had identity theft happened to me before, I filed police report for that problem about identity theft Please I need deep investigation and remove this account that does not belong to me Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX
Product: Debt collection

I was told if I got a credit card at XXXX XXXX ( Comenity Bank ) and I could save a certain percentage on the bill. I paid the charges within the time frame of a month. I was told I would not be charged any extra fees but was. I feel as though I am being harassed for a debt I do not owe.
Product: Credit card

I purchased vacation packages through XXXX for both flight and hotel packages, our flights was cancelled due to XXXX outage on XXXX. we have been informed of cancellation to our flight on XXXX by email and not able to flight to our destination due to XXXX regulations no flights is leaving the airport for safety reasons. 
Contacted XXXX on XXXX regarding this issue and was unable to resolve. so I dispute through my Chase bank where the credit card was used to purchase the package.the price for the Hotel name XXXX XXXX XXXX XXXX was for 3 night 5 Adult and 1 child, check in time is XXXX for the amount of {$2400.00}. The bank ( Chase ) declined my dispute for this charge on XXXXstating that I had received and used this service.
Product: Credit reporting or other personal consumer reports

Due to IDENTITY THEFT and UCC 5-109 FRAUD AND FORGERY Personal information was breached now FRAUDULENT Inaccurate information has been furnished on consumer 's Credit Report pertaining to XXXX XXXX XXXX in the amount of {$920.00}, XXXX totaling {$15000.00} as TRANSUNION and XXXX further incriminating themselves by allowing fraudulent activity to be furnished on consumer 's Credit Report before and after consumer confronts them about the inaccurate information and fraudulent activity in which XXXX XXXX XXXX INACCURATE FRAUDULENT ACCOUNT has been CLOSED as of XXXX, XXXX 2024 but has not been REMOVED off Consumer 's Credit Report. 

As The XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I am Demanding and ORDER said XXXX to RELEASE The Credits from the XXXX XXXX XXXX XXXX Account held off budget in the XXXX XXXX XXXX XXXX held in XXXX  as it shall be updated to an XXXX XXXX status as I am suppressing the XXXX XXXX XXXX XXXX XXXX via the XXXX, XXXX Section XXXX and XXXX and XXXX XXXX..
Product: Credit card

my billing statement goes from the XXXX to the XXXX of next month, so what im saying is that synchrony bank computer has a glitch to it! lets say my XX/XX/XXXX through XX/XX/XXXX statement is due by XX/XX/XXXX, now if i pay my statement in full on XX/XX/XXXX, and i want to put money towards my next statement say on XX/XX/XXXX their computer sends that payment to the XX/XX/XXXX statement even though that statement is at {$0.00}, and then i pay the XXXX down to XXXX their computer doesn't realize that the payment made on the XXXX went to the wrong statement and it doesn, t know to put that payment to the next statement and by the time they figure it out they have charged me an interest charge when my statement are always paid in full!!! and how long has this been happening over the last 20 years that i have had that credit card??? and its a paypal credit card but the bank they use is syhchrony bank... plz help for i have called them and they won't take the charges off!! and again my statements are always paid in full by the due date! and XXXX statement they charged me {$60.00}, and XXXX statement they charged me {$64.00}, and then i can't get my other statements because the computer says try again later!!!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I pulled up my credit report and noticed, that a name and address and a inquiry from a business vendor was reporting on my credit report that does not belong to me. I called and spoke with a fraud specialist, gave him the information, and was told the information would be removed. Experian was reporting : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have never lived in XXXX  not XXXX day in my life. 

They removed the address, and the q from that last name, and also the inquiry but not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted EXPERIAN bc I recently have gotten a few credit inquiries that I did not authorize It has been unusually back to back requests for credit. I have a business and recently let go my partner, so I am not sure if this was them seeking business credit on my behave, I deal with a lot of foreigners so I 'm not sure if this is fraud or : I should only have   XXXX   KNOWN CREDIT INQUIRIES THAT I AUTHORIZED MYSELF!!!!
IT IS CURRENTLY  XXXX    TOTAL SO  XXXX  ARE NOT AUTHORIZED OR KNOWN!!! Which is ridiculous bc I did not do these!!
BELOW ARE THE INQUIRIES I DID NOT AUTHORIZE AND I HAVE CHECK MY RECORDS AND LOOKED UP COMPANIES TO SEE IF THEY ARE MINES, IT IS NOT I HAVE ALSO CONTACTED EXPERIAN AS WELL AS THE COMPANIES AND EVERY REPLY STATES THAT I HAVE MADE WHICH ANYONE CAN REQUEST A LOAN ONLINE :   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX  EXPERIAN BUSINESS CRED XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX
Product: Vehicle loan or lease

Dear Santander Consumer USA Incompetent Legal Team : Im just going to keep this short because I think the long complaints dont get the job done. You stated I am not qualified for the settlement due to my state not being on the list of eligible states. 

My car was purchased and voluntary repossessed in the state of Georgia. The address associated with my car is XXXX XXXX XXXX, XXXX, GEORGIA. 

I have also contacted the Georgia Attorney Generals office and was informed that Santander should be mailing out notices to Georgia residents ( over 20,000 notices ) by the end of XX/XX/2020 Per your website : What states are included in the settlement? You may qualify for relief if you were a resident of or purchased a vehicle in one of the following states when you got your Santander auto loan : o Arizona, Arkansas, California, Connecticut, the District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, I WAS A RESIDENT OF GEORGIA AND PURCHASED A VEHICLE IN GEORGIA. THE VEHICLE WAS SURRENDERED IN GEORGIA. 

Again, please stop insulting my intelligence. Again, the offer of a pay to delete stands but the account has to be deleted from my credit reports.
Product: Debt collection

In XXXX I called XXXX XXXX XXXX to cancel my membership. 
After them not canceling it for 3 months and I contacted them every month about it I called my credit card company and disputed the charges saying they were charging me illegally. 

In the XXXX XXXX XXXX contract there is a section where you can check agree or disagree to continuing your membership on a month to month basis after the duration of your contract. I checked disagree. This would mean after my year membership I would 1. no longer be a member and 2. not pay anymore. They continued to charge me after a year violating the contract. 

I was working at XXXX XXXX XXXX at the time and my job was to sell memberships. I completed my own contract and specifically checked disagree. 

I tried to call Aldous & Associates on XX/XX/XXXX to discuss this. After telling one of their employees my situation they got rude and hung up the phone on me. I am sending them a written letter of formal disagreement today.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX my Identity was stolen and I had to freeze my credit. Experian is the HARDEST COMPANY TO GET A HOLD OF. 

I signed up for an account and locked my credit. It kept getting unlocked. I tried to contact them to see why this was happening, maybe someone hacked my account. They said they had relocked it. 

I tried to login to my account multiple times. I couldn't and their system wouldn't send me a reset email or text code even though it said it did. 

It is now XX/XX/XXXX and I am still trying to gain access to my account online and can't. 
Their constomer care number is an automated system that redirects you to do it online... but since I don't have access to my account I can't do it. 

Eventually through a XXXX article I found a number to call- which is not listed in any convenient place on their website. 

XX/XX/XXXX XXXX I finally got a hold of a person who told me my credit freeze was unfrozen a day after I put the freeze on in XXXX. This was not done by me and how could they unfreeze it without my permission. She didn't know. She also said my account had been deactivated which is why I couldn't log in. 

I have a listed everytime I spoke to Experian over XXXX XXXX and this never came up. 

Their customer service is atrocious and they should be better as a major credit bureau. If XXXX and XXXX can make it easy to contact someone or have access to your own account, why can't Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Deleted all old address on my credit report.
Product: Payday loan, title loan, or personal loan

I took out a XXXX dollar loan after I was assured the interest rates were legal in NJ. I found out that the interest rate violates NJ usury rates of 30 % by contacting NJ department of Banking and insurance. This lending company is not Licensed in Nj. 

I contacted the lender and they have stated that they arent sure when Ill hear back from them. 

I had also took out a Previous loan that was paid off but still under the word that they were a licensed and legal lender in NJ
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX # XXXX  I am NOT liable for these two accounts these need to be removed off of my personal credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a final letter to the Credit Bureau discussing an issue with my consumer credit report. I explained that I have sent multiple letters requesting the following : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. " To date, I have not received any verification of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved.

I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. The account number is not shown on the credit file nor have a received any verifiable documentation to show that this is an account that I owe.

I received a letter on XX/XX/2019 stating that they have verified this account and will not be investigating the item again.

The additional letters were sent XX/XX/2019, XX/XX/2019 and XX/XX/2019. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.
Product: Debt collection

I started following my credit on XXXX XXXX a few months ago, and I got notification in XX/XX/XXXX that a debt collector identifying itself as Assetcare/Capio started reporting a medical collection from XX/XX/XXXX. I shouldnt have any medical collections because Ive been insured since XX/XX/XXXX. I wrote what I thought was a pretty detailed letter explaining this and asking for any documentation they have that would explain how or why I ended up with a medical bill which Im supposedly liable for. 
I also tried disputing it through the credit bureaus and the same thing happened. I dont understand what kind of game theyre pulling, and its ridiculous that something which to me seems like a random number is now reporting to my credit history, and without any explanation as to why my insurance wasnt billed. Again, Ive received no documentation to justify what theyre doing.
Product: Debt collection

I have tried disputing this debt numerous times for the following reasons. 
XXXX. The hospital told me it was covered by insurance when I was there. 
XXXX. The debt is a medical debt, I never agreed for interest to be charged. It is against the law to charge interest on medical debt under the FDCPA. 
XXXX. The original amount from the hospital that got placed into collections was {$960.00}. Not {$1400.00}. The balance goes up monthly too, because they are adding illegal interest to the debt. 
XXXX. I've sent numerous letters to the company and received nothing back. They ignore me and just keep reporting to my credit higher amounts to XXXX me over into paying them. It seems as if they are extorting me for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows. PLEASE BLOCK INFORMATION XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX  XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX 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/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX
Product: Credit card

I have had an account with Wells Fargo for 15. years and when I tried to get a credit card I was denied unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries in all credit bureaus are unauthorized and I have tried multiple times to resolve this issue without any positive outcome I have had my credit account frozen, filed a police report and communicated with all three bureaus fraud department XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And XXXX XXXX  XX/XX/XXXX {$460.00} XXXX XXXX XXXXl XXXX XX/XX/XXXX {$1000.00} are fraudulent accounts. My previous address was XXXX XXXX XXXX XXXX  XXXX, Fl XXXX I moved on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX, Fl XXXX. Thank you
Product: Debt collection

sold to and bought by a third party ( collection agency ) and i have no liability to a third party because i do not have a signed contract with XXXX XXXX. Because this debt was sold to a third party agency that means the account was a charge off therefore it will be considered income and income can not be reported on my credit report because it is now a Certificate of Indebtedness. By law this must be removed.
Product: Credit reporting or other personal consumer reports

The company is negativity affecting my credit report by stating that I owe this debt and have failed to verify that the debt is owed. This negativity on my report is hindering me from purchasing a home and other things for my family. 

This is a charged-off account showing up on my credit report. Charge-offs are income and income should not appear on my credit report.