23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX Act. # XXXX which you claim is closed with a balance owed of {$570.00}. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a credit card open with Citibank and I was denied, cause of a credit score. After calling Citibank I was told something was in collections and to call XXXX. After calling XXXX multiple times I was unable actually get a hold of someone to tell me what is in collections. XXXX even gave me the option on the automated message for the hearing impaired and I hit that button and XXXX hung up on me saying " we are unable to help you, goodbye ''. Then I am calling Citibank to try to get an actual phone number for this credit company and they refused to help me saying I have to call this credit companies there is nothing else they can do to help me. I even have it on my record of me calling them three times to try to get a different phone number or get somewhere where I can find out where my collection is that I have no idea about. No one has been able to answer any of my questions and the credit company is refusing to help me as well and just hangs up the phone on me because there is no one even able to speak to. And now Citibank refuses to reveal what is in collections and will not give me my credit report that I am lawfully owed for free.
Product: Debt collection

I found out there were medical collections ( account XXXX for {$140.00} from XX/XX/XXXX, XXXX for {$120.00} from XX/XX/XXXX, XXXX for {$96.00} from XX/XX/XXXX, and XXXX for {$56.00} from XX/XX/XXXX ) from Optimum Outcomes on my XXXX  credit report that I do not recognize. I tried calling Optimum Outcomes multiple times and left voice mail messages, but never got a response. I opened a dispute with XXXX  said they reported that the account belonged to me, but I do not know what it is or what it is for, and I still have not been able to get a response from Optimum Outcomes. I disputed these same accounts with XXXX and XXXX, and they promptly removed them from my account. I have attached the relevant snippets as supporting documentation. I can be reached at XXXX or at ( XXXX ) XXXX. Thank you in advance, XXXX
Product: Debt collection

My name is XXXX XXXX XXXX and I recently conducted a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 
1. FIDELITY CREDITOR SERV, Original creditor : XXXX XXXX, {$94.00} 2. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$3500.00} 3. XXXX XXXX XXXX XXXX, Original creditor : XXXX XXXX, {$110.00} 4. XXXX XXXX XXXX XXXX, Original creditor : XXXX, {$240.00} XXXX. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX, {$66000.00} 6. FIDELITY CREDITOR SERV, Original creditor : XXXX XXXX MD, {$480.00} To repeat, these transactions occurred without my permission. 
I would like to request the suppression of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601.

As previously stated, I did not originate these debts.

Reporting is voluntary not mandatory. Not ONE law says anything has to be reported.

In any situation, it is hampering my reputation and I am unable to obtain new credit. In addition, I have been getting denied for employment, having difficulty purchasing a car, and trouble getting approved for a place to live.
Product: Money transfer, virtual currency, or money service

I had a PayPal I opened in my name in XXXX I e used it toake purchases such as a XXXX XXXX machine from XXXX. And now the account is in my mom 's name who i never gave authorization to be switched and she is passed away and her estate in probate. I have a good amount of XXXX on this account and not allowed to access it.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, the Capital One account has been charged off and written off for a total of {$11000.00}. The account was closed off at the credit grantor 's request. It is a violation of the FCRA to report it against me because, a " charge off '' mean an account was paid off by another party. It's collected income, and income is not reported on credit reports. I am supposed to receive a 1099 form that confirms that income was collected on my account.
Product: Mortgage

Information forwarded to correct Deed of Trust on XXXX XX/XX/2021 The original request was initiated back in Early XXXX of this year. My lawyer and I have provided countless documentation to correct the issue and as of XXXX XX/XX/XXXX the issue has not been resolved. Request this matter be escalated to management to correct this issue. 

PHH is the second mortgage to this property. I provided XXXX XXXX ( primary ) mortgage to this property the same information 5 weeks ago and they resolved the issue in one week. This says a lot Request this update be elevated to correct issue. The attachments provide details of what needs to be corrected. Also sent additional documentation on at least four other occasion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently applying for a mortgage. I initially applied for a mortgage on XX/XX/XXXX then again on XX/XX/XXXX and XX/XX/XXXX. All applications were within the 45 day period. However, XXXX and XXXX lowered my score by 50 points based solely on these inquiries-no other credit factors explain the drop in the score. Both companies are violating the 45 day rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove those inquires from my report as I filed FTC report with an ongoing/past identity theft 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 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 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 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
Product: Credit card or prepaid card

I will be including a PDF document explaining my problem with securing my account with american express.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some fraudulently obtained material from my credit file deleted but there are still things that I haven't had removed or banned. As mandated by FCRA section 605, you must remove any records that appear on an ID THEFT REPORT. I am proactively including this report again because I proactively remembered it from a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your repeated disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX Balance : {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Experian XX/XX/2023 To Whom It May Concern : I have recently been informed that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing such as incorrect and unverifiable information. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXXXXXX XXXX Account # XXXX, Account name : XXXXXXXX XXXX Account # XXXX, Account name : XXXXXXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified complaint may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Debt collection

There is debt that was opened on my account on XXXX XXXX, 2016 in the amount of {$1000.00}, that does not belong to me.
Product: Debt collection

Contacted multiple times by XXXX XXXX XXXX, which is not a legitimate business stating that I " owed a debt '' on a Citibank Credit card that " someone may have illegally taken out '' during XX/XX/2015 however, I did not live in the US in XX/XX/2015, nor did I open an account or give anyone my personal information. They stated that they had sent me multiple correspondence and that the only way to resolve this was to pay {$2500.00} on the spot and the harassing calls and contact to my family members and myself would stop. 

After looking up their information, I realized quite quickly this is a scam. The company has yelled at my family members on the phone multiple times during the workday and I have now filed a police report for harassment. I look forward to pursuing this further as this is a scam.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

XXXX  XXXX Account number XXXX, has violated my rights. 

XXXX  XXXX Account number XXXX has violated my rights. 

XXXX Account number XXXX, has violated my rights. 

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 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: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX  Balance Owed : {$22000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dyck ONeal is reporting collections as open accounts with past due dates and past due amounts.these are COLLECTIONS accounts, NOT open accounts.they are reporting FALSE information in violation of the FDCPA and FCRA.i called them on XX/XX/XXXX to ask why I havent received information I requested in XX/XX/XXXX and they said they sent it in XX/XX/XXXXand would not send it again.thier false information is damaging my credit and they REFUSED to send requested information.they are committing fraud with this inaccurate information and if they dont want to remove it I intend on seeking legal action and expect them to pay the {$1000.00} per item fine as required by federal law
Product: Credit card or prepaid card

XX/XX/2023 : {$21.00} interest charge XX/XX/2023 : {$22.00} interest charge XX/XX/2023 : {$21.00} interest charge So, my Bank of America Unlimited Cash Rewards Card was and had been interest-free for years now. At some point, they started charging interest on it. Thats fine, but why hide each monthly charge from the list of transactions on my BofA banking app??? Usually, when there is an interest charge, it shows up in the list of transactions, alongside the purchases and charges one would put on the card for food and bills, etc., but nope, Bank of America wants to be shady and not show interest charges where customers can see them. I had to check my monthly statements because I noticed a change in my credit card balance amount when I hadnt charged anything to it in a while. In the XXXX monthly statement, turns out I was charged interest of {$21.00}. I will include a screenshot, but I did not see the interest charge in the transactions section in my banking app. I checked back to see when they had started charging ( and HIDING the transaction ) me interest on this card. In the XXXX statement, I was charged {$22.00} ( and of course it did not show under the credit card transactions along any purchases that I wouldve made ). And then back in XXXX, {$21.00}. I am complaining about this because my other BofA credit card actually shows me any interest charges and fees alongside the transactions of my purchases. I am lucky that I am more technologically literate. People with language barriers and people who are impaired or older and not technologically literate are getting hurt by these abhorrent business practices. I have had a negative experience with Bank of America customer service before and their customer service phone number is impossible to locate, and then when I found it, I am unable to speak to a real person and instead I am left frustrated with an automated voice. Real, working people do not have the time or patience or energy to be dealing with this. Money is money and businesses need to be fairly earn it, and not by being deceptive. They deserve to be called out and reprimanded for hurting millions of consumers.
Product: Debt collection

At this point Im going to have to hire an attorney. I do not owe this facility money. I moved by my lease expiration and never signed a new lease after they asked. Also, theres a 5 month gap on my ledger where the old manager did not record payments that I made which caused a massive credit. The new manager is trying to extort money out of me because there were several damages to the property due to no fault of my own for example, mold, crack in wall due to the contractors trying to lift the building and it caused a massive hole, and a rotted patio doors amongst other things that needed to be replaced. The new manager is just trying to say I have a balance in order to offset the money they had to pay fixing the problem with the mold, termites, foundation problems and rotted patio. I have attached pictures of all the damage as well as the email where my lease ended. I did not sign a new lease after the manager informed me that they couldnt do any upgrades but the rent would still increase. I decided to not renew my lease after hearing this. The manager is just looking for monies from me to pay the bills on the many things that were wrong with the unit. I will also be consulting a lawyer about the mold in the apartment. I havent been able to breathe right since residing at this location. Again I tell you this is not my balance see attached pictures.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Follow-Up : No Response Received Regarding Late Payment Dispute** Dear Sir/Madam, I am writing to follow up on the letter I sent on [ XX/XX/XXXX ], regarding the late payments marked by your company for my account on the following dates : Date of Late Payment : XX/XX/XXXX In my initial correspondence, I requested information pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1666 ( b ) , specifically regarding the reasonable procedures you have adopted to ensure timely and accurate reporting of payment history on my consumer report. Additionally, I requested a written explanation of how these procedures align with the requirements set forth under section 1637 ( b ) of Title 15.

As of today, I have not received a response from your office. According to the Fair Credit Reporting Act, you were obligated to respond within 30 days of receiving my letter. Your failure to respond within this timeframe implies that you may lack the necessary procedures to verify the accuracy of the late payments reported. 
Given the absence of a response, I request that you promptly remove the late payments from my account and update my consumer report with the credit reporting agencies ( XXXX, XXXX, and TransUnion ) to reflect this correction. The negative marks on my credit report are adversely affecting my financial standing, and I urge you to address this matter with the urgency it deserves. 
Please confirm in writing that the requested corrections have been made and that my account has been updated to reflect a positive status. You may forward any updates and responses to the address listed above. 
Thank you for your attention to this matter. I look forward to a prompt and positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX DOB : XX/XX/XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

Capital One will not discharge the debt I had with them prior to my bankruptcy. My bankruptcy was finalized back in XXXX of XXXX and every other creditor fell off the report but my Capital One debt from back in XXXX remains all 3 credit bureau reports. I have disputed, called and sent in letters regarding this matter to no avail. The fact of the matter is, the derogatory mark that this is leaving on my credit report is causing having in my chance at rebuilding my credit bc late payments and derogatory marks are still causing my credit score to go down due to this creditor. No other creditor ( and there were one 's I owed much more to ) put up this much fight. I think I have finally was able to get XXXX on my side and they just recently deleted them but who knows. They are hindering my ability to obtain good housing, auto loans and employment opportunities. They had their chance to appear before the judge during the closing arguments of my case and they didn't show up. Please help me get a hold of someone who can follow the rules and remove this inaccurate account from a bankruptcy that was discharged 6 months ago! The amount was for {$690.00} and they were given notice and the right to petition. They did no such thing and I'm in desperate need bc neither the credit bureaus nor a big company like Capital One is helping me in rebuilding my life. A process that took sweat and tears to get to only to still have a debit or holding my financial future by my neck. A petition was mailed to them on XX/XX/XXXX, and my bankruptcy. My estate was closed by the judge on XX/XX/XXXX granting me any liability to any debitors listed on aforementioned petition such as Capital One. 6 months later and numerous phone calls to XXXX, XXXX, XXXX XXXX and Capital One it still remains on my report in a closed manner but causing deragoratoy marks on my credit score such as the late payments with this debitor and the late payments being over 60 days old. As well as, having an account deragoratoy standing for a long period of time. This the rules of the Bankruptcy and the dismal from the judge wasn't granted the way and months later I now have not only a bankruptcy deragoratoy mark on my credit report but the account I sacrificed that scarlet letter for is still ruining my life. I am XXXX XXXX  and I am in hopes of one day purchasing a house of my own. This one debitor shouldn't be controlling that for this many years! Please help!!