23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi. I urgently need help. I am in the midst of purchasing a home and got a notice from the lender Comenity Bank ( XXXX Credit card ) showing my payment was past due for 3 months. The amount past due was approximately {$190.00}. However, in XXXX XXXX XXXX, I spoke with a CSR regarding my account and re-enrolled in autopay. The CSR stated that my account would be good to go for auto pay as well as paperless statements for the next 12 months. In 12 months I would have to call back and enroll in autopay again. However, this was not the case. To make matters worse, this was the second time I've had this same issue with the same company. I've been a loyal customer and have never had issues paying my bill on time. NEVER. I attempted to speak with 3 different managers over the past 24 hours and have gotten the run around 3 different times on how to have this fixed. I advised the managers to listen to the recorded phone conversations from the last 2 years and theyll be able to see exactly what was said to me by their customer service representative. Nonetheless, I paid the account back up to date. All of my bills are enrolled in autopay and I receive E-Statements because I am hardly at home due to my work profession. I am so close to accomplishing a life goal of purchasing a home but these 2 late payment notices are the only thing hindering it. My credit score dropped over XXXX points and I need to have this late payment removed from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used XXXX to send a payment of {$120.00} for tickets. Unfortunately, the " verified account '' was fraudulent - using someone else 's name and photo which they stole from the internet. I immediately reported to XXXX  that I had sent payment for tickets to the " verified user '' and that they did not send tickets in return. XXXX   customer service informed me that XXXX  does not protect users from this type of scam, but encouraged me that they would likely be able to get my money back from the fraudulent account. I also asked if I should use stop payment from my bank, and they advised me not to because it would stop payment to XXXX, but the fraudulent account had already been sent the money so they would need to get it back from them. They again advised me that I would likely get my {$120.00} back, they just needed to go through their process. The next day. On XX/XX/XXXX, I received an email from XXXX  stating " It appears that person you were transacting with did not fulfill their end of the transaction. At this point, XXXX  does not allow peer to peer merchant related transactions and we do not offer any buyer or seller protections in these types of cases. These violations of our User Agreement are very high risk and can result in problems for our users. Please remember that XXXX is a simple way for friends and people who trust each other to send money, and it is not designed for uses beyond this purpose. When transacting with people whom you don't know or trust there is always the potential for problems to arise. '' I called XXXX and they stated they would not be helping to get my money back despite acknowledging that the person did not fulfill their transaction. '' A week later, on XX/XX/XXXX, the fraudulent account was still active in XXXX, likely continuing to take advantage of other people and steal their money using XXXX. I was able to track down the work phone number and email address of the person who's photo and name were being used by this fraudulent account. I sent that information to XXXX, filed a police report, and contacted the person who's identity was being used by this " verified user. '' Only after the person who's identity was being used called XXXX and I sent XXXX   information of my police report and the information showing that the account was fraudulent, did XXXX finally, on XX/XX/XXXX, send me an email that the fraudulent account that stole {$120.00} from me was frozen. 

XXXX has still refused to get my money back from this person. I had to file a complaint with my bank who is helping to get my money back from XXXX. XXXX  has since frozen my account and sent an email that I " owe them {$120.00}. '' This has been a terrible experience and XXXX has been completely unhelpful as they've allowed someone to scam me and continue to use their platform to scam others. Completely unacceptable business practice and terrible customer service.
Product: Credit card or prepaid card

I ordered with my Goldman Sachs GM credit card XXXX pair of shoes. Around XX/XX/XXXX the purchase price is XXXX the date it shipped was XX/XX/XXXX. The company name is XXXX. I received an email stating that my items had been delivered however when I got home from work there was nothing on my porch. I contacted the merchant to ask them what's the problem they told me that it has been delivered. I then filed a dispute with Goldman XXXX GM for the disputed amount above. They keep denying my claim because they're stating that the shipper delivered the item. So they're making me pay for items that was stolen off of my porch before I can retrieve them. I've been disputing this since then
Product: Vehicle loan or lease

This matter arises from PNC Bank , National Association breach of contract security agreements, violations of Truth in Lending Act ( TILA ), violations Fair Credit Reporting Act ( FCRA ), fraud, gross misrepresentation, tender of payment obligation, unjust enrichment, defamation of character, Slandering and Libel, Extortion, Conspiracy, Racketeering, GAAP Fraud negligent and Civil liability for willful noncompliance with the law. 6. Carlyne Desir signed the Security Agreement contract under non-disclosure, false pretenses, and fraud with PNC Bank. PNC Bank violations of Truth in Lending Act ( TILA ), TILA required full disclosure. As a result of PNC Bank breach of contract security agreement, I have been damaged.I would appreciate for PNC Bank to reimburse me back ALL my money and pay total sale price of contract {$69000.00} or I will take court actions with legal fees {>= $1,000,000} ( XXXX XXXX Dollars ). All prior Powers of Attorney, all other prior presumed or granted Executorships, Trust and Agency relationships are terminated! Any refutation of the aforementioned and/or the following issues must be done so, o and for the public record, in writing, by way of a sworn Affidavit, signed in their full Christian/Family name under penalties of the Law, including but not limited to perjury. My federal court XXXX lawsuit against XXXX XXXX  for FDCPA violations XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX Your prompt attention is appreciated. See AFFIDAVIT OF TRUTH AND FACTS attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I discovered someone had been trying to use my credit to purchase homes and cars. I found an excessive number of inquiries on my credit report that do not belong to me. I filed an identity theft report with FTC on XX/XX/2018. I reported the fraud to all three agencies. XXXX  and XXXX removed the fraudulent items immediately. However, Transunion refuses to do so. They claim I have to call each creditor on the report and get a letter from them to remove the inquiry. Since I didn't request credit from these companies, I have no way to contact them. I tried looking them up but the only name on the report is abbreviated like XXXX XXXX XXXX. There's no company I can find called XXXX XXXX XXXX. How does Transunion expect me to contact a company of which I am not aware nor can I find on the internet? I thought the credit reporting act to protect me from issues like this. 

I have contacted Transunion several times regarding this matter and they refuse to remove the fraudulent items which is dramatically lowering my credit score. My XXXX  score jumped to XXXX when the items were removed and my Transunion score is still only at XXXX. It is hurting my ability to prosper and move forward in my life. I come from a long line of military men going back to the XXXX through my dad who was a XXXX. Please help me ... I don't know what to do/how to move forward.
Product: Money transfer, virtual currency, or money service

I received a check in the mail for becoming a XXXX XXXX  XX/XX/XXXX XXXX I deposited the check into my account it was returned for being fraudulent.I filed a claim with my bank Wells Fargo.They did an investigation and my claim was denied.I have XXXX dollars out of my account due to that.They told me that it was my fault and it was no error so it was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX 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 an account without my written instructions.
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. 

XXXXXXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 an 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, credit repair services, or other personal consumer reports

I received a letter from Credco dated on XX/XX/XXXX stating that they have investigated with XXXX of XXXX on why they asked Credco to run my credit from both XXXX and XXXX. I had already reached out to that company with no response. Credco did not get a response from them, either so they sent me a letter stating that they would ask both credit bureaus to delete the inquiry. And sent me a copy of the letter. It is still on my report. I have talked to Credco and they insisted I needed to contact the bureaus because they had sent them the information. Both bureaus said they had not gotten it because it needs to be electronically sent and that I had to reach back out to Credco. I am tired of the run around and this is not going to stay on my report even after it has been discovered to be done without my permission.
Product: Payday loan, title loan, or personal loan

I lost my job XX/XX/XXXX and requested assistance for loan forgiveness. The company is charging me 742.15 % " MyFundingChoices.Com Blackhawk Finl '' XXXX created on XX/XX/XXXX XXXX XXXX ( Current ) Finance Charge {$700.00} Amount Financed {$1700.00} Total of Payments {$2400.00} Disbursement Date : XX/XX/XXXX ( on or about ) Effective Date : XX/XX/XXXX Due Date : XX/XX/XXXX every two weeks Black Hawk Financial dba MyFundingChoices.com XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX
Product: Credit reporting or other personal consumer reports

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's XXXX XXXX me out.
Product: Debt collection

XXXX-XXXX/ follow up On XX/XX/XXXX I received in the mail the original Security contract however this is not validty of the debt this was from XXXX XXXX XXXX whic states effective XX/XX/12. This does not indicate that I owe XXXX or XXXX XXXX XXXX a dime. This alarm system was for one year and I canceled when my house was broken into with this company was monitoring. I have wrote numerous letters and contacted both XXXX   and XXXX to get this matter resolved after all these years being removed from the credit bureau report this company with all types of violations decides to place a debit on my report that I don't owe. I have been very unsuccesful with getting any results with either XXXX, XXXX and XXXX XXXX XXXX. None of these companies have or can provide me with documentation that I owe. I have contact XXXX XXXX as well for assitance and I have spent so much money sending documentation back and fourth with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax report appears to be split into two reports. I get alerts to changes to the report such as balances and inquiries but when I pull my Equifax report from Equifax.com there are no updates to any accounts or inquiries since XXXX or XXXX of 2019 across every account. When I try to get my credit report from other sites such as XXXX it says I dont have one, or I may be deceased. Ive been denied credit multiple times for this reason. I was even sent to a companys internal fraud department. 

Ive called Equifax everyday for the last 43 days To get the situation rectified, only to get nowhere. Ive been hung up on, transferred to other departments, and never get anywhere towards a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding is reporting that I owe {$1800.00} on an account number - XXXX. 
MIdland Funding is reporting that I owe {$1100.00} on an account number - XXXX. 
Midland Funding is reporting that owe {$770.00} on an account number- XXXX. 

I do NOT know who this company is. I have NEVER done any business with this company. I NEVER signed a contract with this company for anything. I have never given permission verbally or in writing to anyone to pass my information to this 3rd party that I never heard of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is continually reporting incorrect information on my credit report! I requested this company to validate the debt and they have not provided me with I also asked to show me the method of verification and they have not sent me anything! I also asked this company to show me how investigated the negative items on my report they have also not provided me any of these items! 
This company is effecting my credit report negatively and it is not allowing me obtain any credit lines in order to provide my family! This company is braking several laws while violating my rights as a consumer under the FCRA & FDCBA! 
I reached out to the courthouse they sent me this letter in the mail that I will attach they do not report my bankruptcy to the credit agencys, somehow they wont give me the method of how they are validating this information. I asked the third party vendors to not share my information as I have consumer laws in place to protect me! They continue to ignore me 15 U.S. Code 1692- ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy 15 U.S. Code 1681- ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. In accordance with the written instructions of the consumer to whom it relates 15 U.S. Code 1681a - Definitions ; rules of construction. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX  ACCOUNT # : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX DATE OPEND : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT : XXXX ACCCOUNT # : XXXX DATE FILED : XXXX XXXX, XXXX
Product: Debt collection

XX/XX/XXXX I, XXXX XXXX, mailed a letter to National Credit Adjusters stating all phones are to be terminated immediately along with a settlement offer as well. On XX/XX/XXXX at XXXX ( Saturday ) a phone number ( XXXX ) comes across my cell phone, I answered thinking it was a job interview. It was from National Credit Adjusters. I immediately hung up the phone and sent an email for them to terminate all phone calls immediately. I have proof of letter I sent in mail and also, email I sent them also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Student loan

I was contacted by XXXX XXXX by text message. I thought that the reason for the contact was to facilitate the sale of my loan from Great Lakes to Nelnet services which I was previously contacted about by Great Lakes. The person XXXX XXXX asked me questions to fill out a form to mail to Nelnet. This form contained the charging of a fee of {$290.00} dollars by electronic automatic debit and auto-payment of my Student Loan of {$49.00} dollars a month for the duration of the loan which was emailed to me when completed. I was to create a hard copy and mail it to Nelnet which I did. The next day I received from FSA an email entitled " Suspicious Activity on Your Student Loan Account ". Upon getting this email I called Nelnet to find out what the consequences of the application I sent to them was. They told me on the phone that the application was received and rejected because it was " incomplete ''. I directed them to void it and put a note on my account to reject any other contact with the company XXXX XXXX. I also called FSA to find out if any information was requested to be changed or new loans created on their end. Thankfully nothing was changed. They told me that the password was changed and for me to change it to something that only I knew because XXXX XXXX most likely still knew it.
Product: Debt collection

A company on my credit report named XXXX XXXX is not mine. Per XXXX the original creditor is Comenity Capital Bank. Then it also shows XXXX XXXX XXXX XXXX year date. 

From its name, I am assuming it's an apartment complex. I'm in my 60 's and have owned and lived in a house since 1994. I have never used Comenity Capital Bank. 

XXXX XXXX has been calling my personal and work number the past 3 months on a weekly, daily, and sometimes multiple times per day. They would call from as early as XXXX and as late as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} EQUIFAX : XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TD XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX AV XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, After i had fallen behind on my load payments due to a hardship suffered in my family. I tried make arrangements with Prosper Marketplace concerning my account but they were unable to help me.on XX/XX/XXXX, I sent Prosper Marketplace a letter that the information that they listed on my account was disputed. Nothing was received back from them. 
I enlisted XXXX XXXX XXXX to help me settle my account. They were able to negotiate a settlement for my account and after 12 successful payments to Prosper Marketplace thru XXXX XXXX XXXX the account was settled/resolved and paid off on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Experian ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am reporting fraudulent inquiries on my Experian consumer credit report, which I do not recognize and assert are unauthorized. I demar that these fraudulent items be removed from my credit reports pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). These items must be removed within four ( 4 ) days of receipt of this notice. The fraudulent inquiries are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report.
Product: Payday loan, title loan, or personal loan

Was told on XX/XX/XXXX that my remaining balance was {$790.00} + tax. I missed one payment, but two other subsequent payments were made. It is now XX/XX/XXXX and I asked what my final balance to pay off was, and was told it was around {$760.00} ( could not copy because the agent closed the chat before I could ; agent name is XXXX ). They failed to tell me why my balance has not changed and where my money is going. I have chat logs to verify this initial balance. 

I literally just want to pay this remaining balance and get them the XXXX out of my life. Apparently, it costs me stress and an additional $ XXXX EVEN AFTER I'VE BEEN PAYING SINCE XX/XX/XXXX FOR NO XXXX REASON!!! I'VE MISSED XXXX    XXXX PAYMENT. 

HERE is the kicker. It's been less than a month and they reported it to COLLECTIONS. YES, FOR XXXX XXXX PAYMENT THAT IS LESS THAN A MONTH OVERDUE. XXXX NEEDS TO BE DISMANTLED AND PENALIZED.