23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is in reference to allegations put forth from sears Wednesday, XX/XX/XXXX XXXX XXXX 1. The date of last payment was made XX/XX/XXXX. which is past the statute of limitations for collection. 


2. I paid the full amount of XXXX on a purchase that was only XXXX. 


3. They didn't inform me that my payments where a dollar shy causing late payments of XXXX a month for two years.

4. Under this my payments never went down. Sears never sent notice that this was what was happening.

5. Contract broke by them not informing me to why my payments never decreased and always increased the amount owed.
Product: Credit reporting or other personal consumer reports

refusal to approve credit card application after obtaining steller ratings on XXXX. 
Denial reasons provided are both invalid based on XXXX. report escalated to executive level case # XXXX. 
XXXX  score XXXX XXXX open credit card in 4 years limit XXXX. 
never late. never an interest payment paid. 
never refused credit XXXX XXXX  years. 
no mortgage XXXX annual income no credit problems EVER WHATSOEVER
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my ChexSystems report and noticed : 1. My report has 5 different addresses which needs to removed. 
2. My name should be XXXX XXXX XXXX, no other name. 
3. This company has me listed as owing 2 banks : XXXX XXXX XXXX in the amount of {$340.00} and XXXX XXXX for $ XXXX am not aware of either of these accounts.In which they have an address that I 've NEVER resided. 
After being denied by a credit union for checking/savings account, I was informed of these accounts. In which they have an address that I 've NEVER resided. 

I have sent a letter to update all of my information and to remove these accounts from my report, as it is preventing me from opening up bank accounts. 

There has not been any resolution to this issue. 

Please investigate.
Product: Debt collection

This company which employees some of the worst people in the state of Massachusetts is breaking the law daily. There employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. This occurred to me unfortunately due to a divorce. I had a XXXX card at one time many years ago. The XXXX company and I negotiated a debt cancellation many years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This Cambece " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ). This isn '' t a joke the other collection agency they represent is called XXXX. They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX Extremely laughable and criminal.. I 've also filed for bankruptcy as well which makes this even worse for the Cambece " collection agency ''. In the meantime they have harassed my work and are now looking to garnish my wages which will never, ever happen! I am police officer and this has threatened my employment and standing in the court which I work out of. Since they have been playing games with the same court I work out of. If this company thinks they can steal my money they are in for a rude awakening. I have no money and what I make does n't even feed my family. I could n't spare {$1.00} and the court would easily see this and is the reason for the bankruptcy filing to begin with.. My income to living expense ration is negative. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this companies and XXXX actions, a lawsuit will be forthcoming which will be huge. A copy of this complaint is being sent to my XXXX XXXX in XXXX, MA.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX  Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Product: Money transfer, virtual currency, or money service

So on XXXX I texted a dude on XXXX  with the name XXXX XXXX and he was selling a XXXX for a good price so I texted him and asked how much and he told me and so I asked if he would take XXXX and he said yea and then I asked him where he lived and it wasnt to far from me about an hour and then this is where I shouldve stopped dont know why I didnt he asked me to make a deposit of about a XXXX $ so that I could have it in my name so no one else could take it. I told him Ill j take the risk and wait and thats a few days ago by and he texted me and said if you just give me {$150.00} for it XXXX you the XXXX the controllers and all the cords so XXXX like XXXX XXXX XXXX. So then I told him I would send him the XXXX when I go up to his house to meet him and he tells me to just XXXX  it to him now because he isnt going to be at his house and that XXXX just leave it on his porch. So Im like nah we have to meet up and then when I see it XXXX send you the money. So then a few days go by again and he text me aye if you send me {$120.00} to get a new key for my car and some gas that he could just drive it up to me. At this point its been forever and I just want the XXXX thing so XXXX XXXX XXXX  and sent him {$120.00} on XXXX XXXX  His XXXX  is @ XXXX. And so hes like awesome XXXX be leaving soon and so XXXX XXXX  and then a few hours go by and I ask where he is at and he text me back saying he is XXXX minutes out and thats when he hasnt texted me since and XXXX blocked me on XXXX and took down the listing. Please Im literally struggling so bad and yes I know it was very XXXX  to do.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX Solutions, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I filed a compliant about Transunion investigation into inquires I did not authorized. the compliant case number XXXX, Transunion stated in the response phone number added. I do not know what phone number added Transunion is talking about. I do not know if this is some type of stall technique Transunion is attempting. Once again I am feeling ignored and Transunion has violating multiple FCRA acts.By obtaining my consumer report knowingly without any permissible purpose transunion are in violation of the Fair CreditReportingAct ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) I have not initiated any transaction with XXXX XXXX, XXXX XXXX, XXXX, Your offenses amount to Aggravated Identity Theft pursuantto18 U.S.C. 1028A. You have knowingly transferred, possessed, orused, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in additionto civil liability.Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowinglyand willfullyobtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2years, or both.You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX XXXX XXXX consumer reports without my authorization or a permissible purpose under the 15 USC221681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.2. The purpose is certified in accordance with section1681b ( f ). XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) .FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptlyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX ; Due to financial hardship, I took out a loan from Illinois Lending. The original loan amount was for {$600.00}. I felt suckered into refinancing with them, because they offered or promised lower payments. They neglected to tell me about the high interest that would be tacked. Due to health issues, I defaulted for the first time in XX/XX/XXXX. Despite my contacting them and trying to work out a payment arrangement, they immediately sold my account to a collection agency. The collection agency has been overly aggressive by sending a letter to my job and calling me 3 times a day, 6 days a week. I am to understand that despite me paying {$50.00} XX/XX/XXXX, my balance is approximately {$1300.00}. They refuse to drop the illegally added interest or work with me in any reasonable form.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

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

ConvergentUS did not address my previous compliant. this compliant is being sent in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,  XXXX  5 USC 1692g Sec. 809 ( 8 )  This is NOT a request for verification or proof of my mailing address, but a request for  VALIDATION  made pursuant to the above named  Title and Section. I respectfully request your offi ces provide me with competent evidence that I have any legal obligation to pay you.     . Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request in a timely manner. all of the references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute hard inquiries on my credit report. Each letter ( 3 ) stated that I did not authorize the inquires on the report and asked them to Remove them. After 3 failed attempts, I sent out letters to all companies that I did not authorize a transaction with and they stated they did not have an account for me and sent a letter to the reporting agency confirming that it did not belong to me and a removal from my report would be a sufficient action. After waiting over a month for the inquiries to be removed, I called each company with said inquiries to confirm the process was complete. After being denied lines of credit due to excessive inquiries that were not authorized, I decided to file a complaint. The inquiries are : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX 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 XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

we were on six month lease with the owner ( i do not recall his name ) and real property management Colorado, we received a call that the owner would be returning to the house that we were residing in and he would be moving in the following month. And we weren't allowed to renew the lease for that reason and had a month to clear out, our deposit was not returned to us. and we also replaced the stove while there because the original stove did not work, which i never got compisated for. i did not receive an answer. as i left when the lease terminate and i never received my deposit nor the {$800.00} for the stove.this account is on my credit report and is inaccurate, i called NAR XXXX XXXX ) at different times today to explain the situation but they did not answer. i need this account removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX stating I had a XXXX XXXX score, which is different than my credit score, and that because of this score I needed a deposit. I've never been asked for a deposit ever and I'm XXXX. In their letter it said I could go to Experian online and get the information or call Experian to find out about my XXXX XXXX score. I have gone online but it only asks about my credit score. I have called and it does the same thing. I have called repeatedly and asked for a representative and it keeps the same prompts and finally disconnects me. 

In the letter is specifically says " the XXXX XXXX score is a risk assessment score is different from your XXXX XXXX XXXX. '' As a business owner of an insurance agency, I'm very familiar with " risk scores. '' The fact that I have made multiple attempts to get this information online ( where directed ) or by phone ( again, where directed ) and can not get either seems deliberate. I am a responsible consumer that tries to make sure my credit is excellent and to receive a letter like this but not be able to get the answers is frustrating and feels deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference # XXXX, concerned that my issue is not resolved. The company has not disclosed to me who is their data furnisher. I requested for verification, validation and certification of data source for the inaccuracies on my credit report. The company did not answer to my request but was able to respond with jumbled up words cut and pasted from their existing template. 

I demand that information referenced herein be deleted because they have not disclosed who furnished the bankruptcy information on the report.
Product: Student loan

In XX/XX/XXXX I was contacted by Premier Student Loans. They explained to me that they could help me reduce my student loan amount using federal programs. Since I am on social Security XXXX it was determined through Premier that my loans would be reduced to {$8000.00} from approximately {$160000.00}. My federal student loans had been consolidated through XXXX XXXX XXXX but I was not making payments due to a deferment. Most of my work was via phone but I have several emails from Premier, one of which is an approval by XXXX XXXX  to accept this new program. Premier told me that I would pay an initial 4 payments of {$240.00} for fees for their service in helping to set up my new repayment program. After the initial 4 payments I was to pay {$30.00} a month through a credit card. I made my first payment of {$240.00} on XX/XX/XXXX. I began making my {$30.00} payments XX/XX/XXXX to Premier. I was told that in 10 months I would receive paperwork to confirm that my financial status was still the same. During this time I continued to receive statements stating that I owed {$0.00}. Premier explained that this would happen and that I did not have to pay XXXX because I was on a new federal program. 
After 10 months I received a renewal form to confirm that I still qualified for deferment. I was confused by some of the repayment questions regarding what program I was on. I contacted XXXX to determine how I should answer as to what my program was officially called. XXXX  informed me that they had no information regarding Premier and that there was nothing in my records to confirm that Premier ever contacted them. XXXX  explained that I was on a financial deferment ( however interest still accrued ) through them. The person I spoke with told me that there were many fraudulent companies and that I needed to contact Premier. Concerned, I contacted Premier only to get a prerecorded message stating that the company was temporarily suspended and was being sued by CFPB through several states. There was no way to get a hold of anyone. 
I also contacted my credit card company to stop all payments to Premier. In reviewing my credit card statement I found that after Premier was suspended I was still charged {$30.00} but this time through a company named XXXX XXXX   XXXX. I have instructed the credit card co. to stop all automatic payments to either company. I have filed a claim with the credit card but at this time they have denied the fraud charges. I am waiting to get a letter of proof confirming that XXXX XXXX was never contacted by Premier and that no payments have been made to them.I am also working with Senator XXXX XXXX XXXX office in Connecticut.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX CREDIT COLL ( Original Creditor : XXXX XXXXE ) XXXX MEDICAL XXXX XXXX  XXXX
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

I recently opened a checking account with upgrade, added an external account to fund it, later received an email stating account is suspended as of today, XXXX. When I called to enquire in re, I was, told to send in photo ID yet again which upgrade already has on file, also requested a photo with sign stating upgrade checking account, I then attempted to close account as this appears to be harassment, I was denied closing account.
Product: Credit card or prepaid card

XX/XX/2017 XXXX-XXXX  XXXXUSD A guy who declared as a XXXX staff attacked my computer, made it blocked and cheated me to give him my XXXX  card information so that he can purchase and install a security software for me. <P/>The phone number in the attached .txt is reachable and a company called them " XXXX '' but called " XXXX  '' by others would answer this phone. Also, it seems that a bunch of fraud companies are using this number : XXXX. They are all XXXX people
Product: Student loan

Multi attempts to summit PEERS which get rejected for one reason or another. Since switching over for teacher forgiveness, I have not idea how many qualifying payments I have made. I consolidated my loans in XXXX of 2011.