23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, A while back I had to have my credit pulled so my wife and I could get pre-approved for a home. XXXX of my credit scores were great, while XXXX was roughly XXXX. I found out that I had a delinquent balance of {$90.00} from XXXX XXXX regarding a bill I did not pay because I no longer lived at the apartment I moved out of. I canceled my cable subscription and returned my equipment and was not aware of any termination fee. That being said, I paid the collection bill right when I found out. It was for {$90.00}. That was back in XXXX 2015. Now I had my credit pulled again to refinance my car. The collection was still on my credit report as unpaid. I called XXXX and they told me to contact Enhanced Recovery Company. XXXX told me that there were XXXX open delinquent non-payments of {$90.00}. They had finally told me that I paid it off in XXXX of 2015 after telling me several times that there was no payment on that account. The reason for XXXX open cases is because they gave the collection back to XXXX XXXX and then XXXX XXXX asked for it again creating XXXX delinquencies. I was not aware of any of this during the years this has been attacking my credit. I now can not get approved for the car loan I want. 

They told me they can only update the file and they ca n't tel XXXX or whoever to remove it despite it being their mistake. I spoke to a XXXX XXXX at this company. I am looking for someone to get this removed from my credit report so it wo n't bring it down for 7 years. It started as a bill I had no idea about because I no longer lived at that residence and was not told about it. Then it turned into a collection that a company did not even list it as paid until yesterday. This is really hurting my credit and I am hoping the CFPB can help. I really appreciate what you do. This coming from a person that lives in the state where XXXX XXXX is my Senator knowing she played such a pivotal role at the creation being nominated. 

Please let me know what I can do for this collection agency to have it removed. Thank you! 

Sincerely, XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

Some one had been using my personal information, first name, last name, social security number, to have credit cards, mail, and other services mailed to addresses that I have never resided, and I have no association with, theses addresses are, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, I went to my local police department on XXXX XXXX and they instructed me to file a ftc report because my information has been compromised. I have been reaching out by phone to all three major consumer agencies to try to resolve this matter with little to no luck. I need help with this matter as it is getting out of control. I need my correct information reporting to my credit profiles so I will no longe the a victim of fraud.
Product: Credit reporting or other personal consumer reports

I am writing to report an XXXX XXXX  issue and discrepancies on my credit report. I have recently discovered that my personal information has been compromised, leading to fraudulent activities on my credit accounts. I have taken steps to address these issues, including contacting the credit bureaus to dispute these inaccuracies and placing a fraud alert on my fi le. I seek your assistance in further investigating and resolving these matters. Please advise on the next steps to rectify.
Product: Consumer Loan

On XX/XX/XXXX at XXXX, I recieved a phone call from US Bank at my home phone number. The female caller immediatley asked for me or my wife by first name. Once I stated who I was, she advised me that the call may be recorded. I stated that was fine. The caller then stated that she was calling from US Bank in regards to the lease on the XX/XX/XXXX XXXX " XXXX ''. At which point, she stated that the XXXX payment was five days late. I informed the caller that I was aware and that it was an accidental oversight and that I had just made the payment through my bank 's website about XXXX minutes before she had called. The caller then asked if I knew when US Bank would receive the payment. I informed her that the payment usually takes one business day to post. I mistakenly told the caller that since that was the case the payment would most likely be received tomorrow ( Saturday ). The arrogant response I received from the called was " ugh, well tomorrow is Saturday, so that 's not possible ''. To which I responded, Oh. Sorry that 's right, well then Monday I guess. The caller then stated well if we do n't receive the payment by Monday there will be a late fee attached to the account. I told the woman that would not be an issue. The caller then asked me for a reason that the payment was late. I stated that I had already told her that it was an oversight and that the payment was made. She then continued to ask for a reason. I stated, Ma'am, you called my home at XXXX XXXX on XXXX XXXX. This is the XXXX. I have already stated that the payment was made. The woman continued to request a reason. I stated miss please do n't harass me. I already stated that the payment was made. 

This complaint is not so much about the call itself rather than the demeanor and the timing of the call. A company that is based in the United States and has the name US Bank. Should know better than to make collection calls on a day when the entire country is in mourning. A company named US Bank should know better. These bill collectors have no knowledge of who they are calling. Being a XXXX. It 's beyond inappropriate to have bill collectors calling customers who have never missed a payment at this time and date.
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of a divorce the court ordered my my ex-spouse and I to split the mortgage payments from XXXX  XXXX XXXX on the house 50/50. Several late payments appear on my account due to her negligence and becase of this judgement by the court. I made all my payments on time but my ex-spouse did not. I am required to follow a court order or be held liable in contempt if I do not. But this court order is not recognized by XXXX  XXXX XXXX and both parties are still responsible for the loan and collections. After there investigation it was determnined that the bank was not in error in reporting the late payments and they will remain on the account because it was a joint loan and we are both liable to ensure the full payment is received on time no matter what the court order states.These payments are the only late payments on my credit report for any and all accounts held be me. I filed disputes with XXXX XXXX XXXX as well as all credit reporting agencies and provided bank statements showing my on time payments as well as the a copy of the court order. XXXX  XXXX XXXX still maintains its stance that no matter what the court order says both parties are ultimately responsible for payment of the loan. Banks use court action to enforce payments of debt owed but do not recognize court orders they did not initate or were direct party of.
Product: Debt collection

My Name is XXXX XXXX and I am XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXlocated in FL. I am not sure if you will be able to help but XXXX XXXX XXXX XXXX  told me to try here. 
We have been with Fifth Third bank since XXXX of XXXX after filing for XXXX  XXXX  XXXX. Our case was dismissed, not discharged, in XXXX of XXXX. 
We looked into the PPP when it became available and a rep from 5/3 called and did the questionairre on the phone. I told him about the XXXX  XXXX and we were accepted with {$110000.00} being deposited in our account. 
I received emails to apply for forgiveness which both our CPA and I tried to do. I went to the branch and asked a rep and was told he didn't think the portal was open. A few days later I spoke with XXXX XXXX XXXX with 5/3. He also tried the portal which didn't work. We spoke a few more times and he thought maybe it was because of the filing. I received invoice in XXXX and made it and three more payments of {$9100.00} per month hoping we would find out something with XXXX saying it would be returned upon forgiveness. I emailed XXXX and asked for a reduction as that amount was difficult and was told he didn't control that. He suggested I speak with the SBA. I did speak with XXXX XXXX on XX/XX/XXXX and explained it all to him and he emailed me with information with a link to " XXXX XXXX XXXX with XXXX  XXXX, XXXX, XXXX XXXX XXXX having infomation pertaining to our situation. I forwarded that to our CPA and to XXXX. Our CPA XXXX XXXX asked me to set up a three way call with XXXX to discuss the problem. I emailed XXXX and again and again. His response was " he was working with management on this. I will get back with you. '' XXXX XXXX, I went into our branch spoke with branch manager who called XXXX and his response was the same. She gave me a fax number that I sent a letter to with no response. Since that time I have emailed him many times ( have emails of ) with no response. 
Beginning of XXXX received a letter saying we are in default. I called the number on the letter ( XXXX bank ) spoke with a XXXX who told me nothing could be done. Perhaps if I had been able to speak with someone else to give me guidance I wouldn't be here now. The only one who did try to help was the branch manager who was fired two weeks ago-coincidence? I really can not believe that a bank involved in these loans has no knowledge of solutions when problems arise. Now I live in fear that the bank will freeze our account. 
I really don't know where to turn. I have called a business attorney who said it wasn't their expertise. I have been in touch with XXXX XXXX with SBA who sent me more information. 
I am hoping you may be able to help. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I'll never live at the following addresses this is all incorrect:XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX I'll not be employed by this employer : XXXX XXXX XXXXXXXX XXXX XXXX  the following inquiries are unauthorized user XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX 2021 until today i recognize a lot of mails and phone msg and phone calls about incurrence company of health, home, auto motor, Checks loan and death ..., been calling me and i who ever took the money at my account of bank of America got my all information i think and he be receive my emails i been get some of them and some i dont get it and i call the police about that and i make a report like golden XXXX XXXX at XXXX in XXXX XXXX XXXX call me and said im ready to bring a XXXX $ to get a car but when i went it was all wrong and he was lying too and i make report about him but he get my information from the applying that other people make it and i went to go see how and why it was at XXXX but he already check my account from XXXX and ask banks and loan company for credit without my permit and more then that too i been screenshot and try to collect the most but its alot of scam under my ssn and my id and i cant even know because i dont receive mail or all of my mail i really got no even XXXX $ now or job because some one steal my legal paperwork and id from my mails and my home and i report the most and any place i can claim with it and im still waiting from bank of America to respond about my first claim of my XXXX $ that took from me i really just want all this scam and fruad to stop under my name so i can have goals and start my college ...
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. A girlfriend I was with in 2017 began to take my information and destroy my credit in retaliation of a break up. I was forced to get a protection from abuse order which was granted in my favor. However, the damage had been done as I suspect she opened credit cards in my name. I sent copies of the documents to TransUnion but they refuse to delete the accounts because they have been verified. But these are not my accounts and the verification process gets completed because my real information was used fraudulently. These fraudulent accounts have ruined my life, I am currently homeless and I need these accounts to be removed so that i can get adequate housing. 

The following accounts need deleted from my report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I XXXX XXXX am formally disputing any and all debts that STAFFORD GROUP AND ASSOCIATE I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U S C 1692g, I am exercising my right to request full validation of thiss alleged debt. Untill proper validation is provided, I do nott acknowledge or assume any responsibility for this debt..

Pursuant to my rights under 15 U S C 1692g, I am requestingg the following : 1. Complete validation of the alleged debt, including a detailedd breakdown of the amount owedd, the name of the original credittor, and any relevant account details.

2. The original purchase agreement between STAFFORD GROUP AND ASSOCIATE the original creditor, proving legal authority to collect this debt.

3. Proof that STAFFORD GROUP AND ASSOCIATE is licensed and bonded to collect debts in my state Pennsylvania. I expect copiess of the current licensee and bonding information.

STAFFORD GROUP AND ASSOCIATE has failed to provide the required validation information before placing this account on my consumer report, violating : 12 CFR 1006.34 ( b ) ( 5 ) Collection agencies must provide validation information before reporting a debt to a consumer reporting agency.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) Consumers must be given the opportunity to dispute the account before it is furnished to consumer reporting agencies.

Because of these violations, STAFFORD GROUP AND ASSOCIATE has no legal authority to collect or report this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account appeared on my credit report but its not my account. This is an error. I have lived in my home for the last 3 years.
Product: Money transfer, virtual currency, or money service

I was scammed on line by a friend which turned out to be an imposter asking me about Trumps federal grant program, ended up giving them XXXX thru Bank of America. The account was sent from and to Bank of America, called them about situation I gave them the name and account number with BOA where money was transferred. I called them about situation someone at that bank had to take the order and someone had to start the account, they said I was scammed and they could not help me. This started XX/XX/17 the money was transferred XXXX Something had to be on camera
Product: Credit card or prepaid card

I called 3 times and spoke with 3 different agents. I cant remember the first one but the second one was named XXXX and the third was XXXX. They wait time wasnt a problem which was 2hrs 30min per agent XXXX informed me that she would love to activate my card and transferred me to the automated systems XXXX told me on the last call of the day at XXXX that my card was replaced by US BANK RELIACARD OR US BANK NATIONAL ASSOCIATION for no apparent reason I already had a card ending in XXXX why would she not inform me in the beginning that my card was replaced did she not review the account notes? Also XXXX was rude and over talked me on phone she didnt really seem confident in the information she gave me. Why would I be put in an inconvenience like like no one could inform me someone dropped the ball. I need and explanation to what happened how could this happen and no agent could inform me or tell me the truth
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Someone opened a Venmo account using my personal information and email and I never had a Venmo account and want this investigated immediately and closed. I only found out because a email was sent to me about a Venmo account.
Product: Checking or savings account

Overcharging on my account, even with oops protection
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B requires the removal of any inaccurate accounts from my credit report. Could you check the documents? There are discrepancies in the reporting, amounts, and dates of some accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED ON NUMEROUS OCCASIONS A PHYSICAL VERIFICATION OF THE ORGINALSIGNED CONSUMER CONTRACT. I HAVE DEALT WITH RUDE AGENTS AND BEING PLACED ON HOLD FOR INORDINATE AMOUNTS OF TIME. UNDER THE FCRA ACT SECTION 609 ( a ) ( 1 ) ( A ), YOUR .COMPANY IS REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT. I DEMANDED TO SEE A COPY OF THE ORIGINAL CONTRACT WITH A WET INK SIGNATURE ON IT. COPIES OF COPIES ARE NOT VALIDATION AND ARE NOT CONSIDERED PROOF THAT YOU HAVE ON FILE. UNDER THE FCRA LAWS UNVERIFIED INVALID ACCOUNT MUST BE REMOVED. XXXX, TRANSUNION, XXXX HAVE NOT GIVEN ME VALID PROOF AS INSTRUCTED. AS RESULT OF THIS CONTINUOUS REPORTING OF FRAUDUELT UNVERIFIED ACCOUNTS. THESE ACCOUNTS WERE OPEN BY A THIEF AND NOT ME.
Product: Credit reporting or other personal consumer reports

I am not confident that you have accurately fulfilled the guidelines of Fair credit reporting Act in executing your Investigation. You are big, fat liars! You claimed that you verified this and told me to contact the company. You claim that the court furnished and verified the information. I did as instructed and they gave me a letter claiming that they neither furnished the information nor verified the information. They are the only ones qualified to make a verification regarding this alleged bankruptcy and they did not verify. You are allowing slander on my credit report. See the attached letter from the court proving that you are allowing erroneous information on my credit report and are falsely claiming that it is verified. Your butts need to be sued if you do not remove this from my credit report. It is inaccurate, incomplete and NOT VERIFIED! Delete this immediately Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Experian claimed that they did a reinvestigation for my XXXX student loan and show the balance as {$1100.00} .Experian is commiting fraud they could not have actually performed a investigation because I have a screen shot proof that the balance was XXXX at the time that I filed my dispute.Experian continues to claim that they are performing a investigation and they are not actually completing a investigation on my disputes.
Product: Student loan

I have Navient as my servicer. I contacted them several times in XXXX and XXXX about my payments. I pay {$1000.00} a month and the principal has not budged. When I was connected with a representative, I was abruptly told that there is nothing they can do and everything is as low and it can be. I have been paying since XXXX XXXX and no progress has been made. There has to be something wrong with Navient!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX ( Equifax ) Amount in H/C column is credit limit of {$380.00}. Please remove from my credit report. XXXX, and XXXX does not show this.
Product: Credit card or prepaid card

Hello my name is XXXX XXXX, I am writing today to place a complete complaint against XXXX in the depart of XXXX gift card. My complaint is in detail below. 


Today my family received a XXXX gift card of XXXX dollars value from our case worker at the homeless shelter .I activated the card proceeded to take my family to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX at XXXX pm me and my family arrived at the restaurant and placed our order when then the card was declined. We double checked with the card balance and the activation everything was in place .We contacted customer service support and spoke to supervisor Tony with the employee ID # XXXX at XXXX. He proceeded to tell us that XXXX blocked the transaction due to fraudulent activity. There was nothing they could do to assist in the situation but send us out a new card with in 15- 20 days ..We stressed the severity of the situation many times and then the Supervisor XXXX went in to attempt to handle the situation but could not due to that is just how the system works ..As my family became extremely distressed with the situation of not being able to eat at the restaurant we resolved the issue with the restaurant with the order placed. Then went on to head back to the XXXX XXXX  where we reside XXXX XXXX XXXX XXXX  center XXXX XXXX XXXX, XXXX, TX XXXX where we missed meal call was not able to obtain any other means of food for my family at that time or we would not have been able to get back into the center to sleep passed curfew.. Leaving a family that has two children who are already currently facing many other issues at this time to have to go to bed hungry.. This use can not simply be resolved with just another card due to there is no address to mail the card to our family and in the current state of our families living situation among our children and all this has been nothing but a critical situation that has taken a toll on everyone emotionally at this time.. Me being the mother of this family already suffering for a severe XXXX this has brought me to an extreme place of distress as I lay down tonight. I would like to file this complaint to the fullest extent due to the following The fraudulent activity hold was improperly imposed and took a toll on myself and my family in a major way. 
Leaving me hungry and very upset beyond what one can take at this time. 
The shame and embarrassment that our family had to endure due to this improper imposed fraudulent activity hold without first consulting with the card holder.. 
Thank you for your time.. 
XXXX XXXX XXXX XXXX