23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Calls 3-4x per day or more. Not my debt, dont know why they say I owe it but they keep calling over and over.
Product: Credit reporting or other personal consumer reports

Truist is furnishing inaccurate information on my credit report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my way of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my personal my life. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX verified an inaccurate account. How do you verify a charge off account? 

As defined by the IRS even if you dont receive a form 1099-C, you must report that as gross income on your tax return The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report! 

You are hearby put on notice that you are furnishing incorrect inaccurate information. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Debt collection

I was allowed to close an account because XXXX XXXX XXXX was forcing a change to my plan. Texas law allowed me out of the contract for my rented device at no cost to me. XXXX XXXX  XXXX received my device, then sent me a bill for the remaining balance regardless. I made multiple attempts to get them to correct their mistake. XXXX XXXX XXXX then sold this debt to XXXX XXXX who reported it to the credit bureaus. I warned XXXX XXXX about this and showed them XXXX XXXX XXXX 's own website siting the Texas law and what was supposed to happen. When they did nothing to fix it, I disputed with the credit bureaus and successfully had the item removed from my credit report. XXXX XXXX seems to have sold the debt again to Sunrise Credit Services. When they contacted me regarding the debt, I informed them of the same circumstances and inaccuracies. I provided them all the same information I used in the disputes and I warned them not to violate the FCRA by sending this to the credit bureaus. They ignored my warning and this showed up on my credit reports this month. All are under dispute again and I wish action taken against Sunrise for knowingly providing false information to the credit bureaus.
Product: Money transfer, virtual currency, or money service

I sent payment to a vendor via coinbase and the vendor says they never received payment and will not ship without proof from coinbase I have tried reaching customer service via email, XXXX and their online help site l daily for well over a week and a half since XXXX/XXXX/XXXX This is for medication my son NEEDS, I get no answer at all from coinbase and recently got back a massage that emailing them directly has been disabled They have no customer service number, the do not return emails and there online chat looks to be disabled Sent XXXX XXXX XXXX {$300.00} To XXXX Note For order # XXXX Confirmations XXXX Fee XXXX XXXX Transaction View transaction XXXX/XXXX/XXXX XXXX PM COMPLETED
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my Equifax credit report on XX/XX/2019 and they have not yet taken it off. I am victim of Identity  theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX &XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Credit card or prepaid card

I filled a dispute with XXXX XXXX about this capital one account ending in #XXXX the account was previously deleted by XXXX XXXX and XXXX but was reinserted 2 weeks later after the dispute was already closed. XXXX XXXX assured me that they sent over proof that i have had my information compromised before and it was documented i talked to a representative at capital one by the name of mary and she said she would help me out after i sent over proof that i have experienced identity theft on my credit profile and for the record they already have a police report and affidavit that was forwarded to them from XXXX XXXX but they still continue to report it on my credit report. I will attach the same documents to this complaint that i will be sending to capital one i will be sending these letters in the mail on XX/XX/2019 the letter will include proof of identity (drivers license social) Another notarized affidavit and police report and also an alert from XXXX XXXX sent to me on XX/XX/2019 saying it looks like my personal data may have been compromised once again. Also the account ending in #XXXX is extremely late which is affecting my score even more i have never been late on my two accounts that i have with capital one but they put a third account that belongs to someone else ruining my report .
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XX/XX/2018, I received several emails from a company called Checkr that claimed to be doing a background check for XXXX. 

I have never applied to work for XXXX. I never had any dealings with XXXX or Checkr. The information in the emails that I received clearly belonged to someone else. One of the reports attached to an email contained someones date of birth, the last 4 digits of their SSN, their DL number, zip code, etc. 

I called Checkr, and told them about the problem. XXXX, the person I spoke with on the phone from Checkr, said that he had no record of any emails ever being sent to me. I forwarded him the emails, to show that Checkr did in fact send me several emails, many of which contained someone else 's personal sensitive information. 

This is a dangerous data breach, and Checkr did seem to take it very seriously, in terms of getting to the bottom of the issue. I still have no idea ( 1 ) why I received these emails with someone else 's sensitive information, ( 2 ) why Checkr had no record of sending them, and ( 3 ) what Checkr plans to do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$12.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX : {$230.00} XXXX  XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX {$420.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original XXXX : XXXX ) XXXX : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported me. in XXXX of 2020, 90 days late on TEN Accounts without written, telephone or email notification. 
Attached is a letter describing the events. The letter was sent to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the consumer to complain about it and nothing hasn't been done about it by them removing these things off my credit nothing has been done about it
Product: Debt collection

Several Months ago, I was contacted by a collection agency, XXXX XXXX XXXX XXXX, allegedly on behalf of a dental  office in XXXX XXXX. I was informed about {$2200.00} in outstanding dental bills owed to this dental office in XXXX XXXX area. I disputed the information and in order to prove the debt was not mine, I gave my medical information, XXXX XXXX and XXXX XXXX XXXX Information including my dentist information as a means to verify I was not the person owing any dental debt. They verified that I was not the person who owed monies to a dentist office in the XXXX XXXX area and stated they would remove my information from their file. 

Despite providing all my personal and medical information that they required and verified that debt was not mine, several months later, I find out that this company filed a negative information on my credit history. Due to this false information, 3 of my credit cards with other companies, with XXXX  balances, were closed. 

I called XXXX XXXX XXXX to demand that they remove the information from my credit reports and they demanded my personal medical information once again. I declined as I had already submitted to XXXX XXXX XXXX person several months prior. XXXX XXXX XXXX Collection Person refused to call reporting credit grantor to verify my complaint. 

I need some assistance to get this information off my credit report as it has cost me 3 credit cards that I kept with XXXX balances in case of an emergency. My credit score has suffered immensely due the failure of XXXX XXXX XXXX 's failure to verify information before destroying an innocent person 's credit report.
Product: Credit card or prepaid card

SUNRISE CREDIT SERVICES is reporting on my personal credit file with ( XXXX ) credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$0.00} SUNRISE CREDIT SERVICES XXXX Opened XXXX XXXX, XXXX Balance {$400.00}
Product: Credit reporting or other personal consumer reports

See the attached documents. I ask that you please delete this account because it is not mine because I am very upset that they are showing up on my credit report. I'm really disappointed in them for subjecting me to this. As soon as possible, I want the business to take this off of my credit report. It's not mine at all!
Product: Debt collection

I had a balance with an apartment complex which was forwarded to  National Credit Systems. National Credit Systems  offered me a settlement on the amount. They told me that if I were to take the settlement and pay in full they would consider the debt paid and remove themselves from my credit report.   I agreed to the settlement amount and promptly made payment . National Credit Systems  then was prompt in reporting the debt as paid. However they continue to report on the account. Consequently, the account remained on my credit report, causing me extreme difficulties in finding a place to live. Because, even though the account shows as paid, the fact that it is there at all is a major negative mark. I knew this when going into the deal, and made sure to ask the person I dealt with whether it would truly be removed or not.  <P/> She assured me it would.  <P/> I asked for this in writing, and they refused to give anything in writing. I could take the settlement then and there, or they would step up activities, which at that point had included harassing my parents, and my friends.  <P/> So I took the settlement.had I known it would not be removed, i never would have settled, because there would have been little point in doing so.  <P/> Now, they have their money, and I am in the same position as I was before I paid them. I 've gained nothing, and I can not find an apartment that will approve me in  XXXX , which is a competitive city to find housing in.  <P/> I am livid with the betrayal of this organization. I paid them in good faith, and they stabbed me in the back. I desperately need this to be resolved. I have attempted talking to them, disputing the account, all to avail. The credit bureaus will not help me. I have a perfect rental history except for this, and I was lied to and deceived, tempted by this representative to take an easy way out, and now, because of that ... i 'm screwed.  <P/> Please, I 'm begging you, i need to have this resolved so I can continue with my life. As of now, I 'm just treading water.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX or XX/XX/XXXX, I was contacted regarding help with forgiveness on federal student loans. A gentleman named XXXX working for Integrity Group, Inc.spoke with me regarding the process. He explained I would save thousands of dollars on federal  student loans if I would let them help me. I explained that my loans were in forebearance and he said that did not matter. This process would kick in once forebearance ran out which was not until XX/XX/XXXX. I agreed. Paperwork was completed and it appears XXXX XXXX XXXX paid Integrity Group {$1300.00} on my behalf. I was to pay XXXX {$39.00} a month till paid in full. He explained that someone would be in touch with me to move forward. I next spoke with XXXX XXXX from Integrity Group who said he would be administering the process for my student loan forgiveness. As forebearance time came near, I logged into my XXXX account and saw no activity adjusting the promised monthly amount. I called XXXX at Integrity and he assured me something must just be hanging up somewhere and he would fix it and get back to me. I waited a week or so and heard nothing from him. I logged into my account again and there was no change. I then called XXXX and spoke to an associate. She checked andsaid there had been no one in my account or asking regarding my account. I explained to her what I just explained above and she said I should not pay any more dollars as it appears someone was taking advantage of a situation that I could, indeed, do myself. She helped me through the process of loan forgiveness with the adjusted amount. I have not heard from Integrity at all. Of course, I get notices that my {$39.00} is due. I have not paid XXXX amount.
Product: Mortgage

Ocwen has n't agreed to subordinate, which interferes with my refinance
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN CREDIT AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. To Whom It May Concern : I recently received a copy of my Experian Credit Report and XXXX Credit Report and I noticed that LATE PAYMENTS from XXXX  ACCOUNT # XXXX  is still posted on my report : Your company is in clear violation of the law. Under 15 USC 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies can not include certain information in consumer reports. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this XXXX  ACCOUNT # XXXX from my consumer report. This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . Both agencies have violated the laws and is reporting this account on my credit report. EXPERIAN CREDIT AGENCY AND XXXX XXXX XXXX is not providing accuracy. XXXX XXXX XXXX has DELETED this account from my credit report through the CONSUMER FINANCE PROTECTION BUREAU. Under 15 USC 1681 Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. All three CREDIT AGENCIES are to provide the same information on my credit report. DELETE THIS XXXX  ACCOUNT # XXXX. Best Regards, XXXX XXXX
Product: Debt collection

Attached is a document showing the offer that was given to me. I clearly chose and accepted option A and made payment as requested in the full amount of offer. I also attached a document showing where and how payment was made in the amount of {$330.00} on or about XXXX XXXX. Payment was made on Southwest Credit online payment center.

Today I received a phone call from Southwest Credit stating they are calling to collect a debt!!! I told him about the offer and what I paid and my account is now resolved. I dont know what XXXX and Southwest Credit are doing but they need to get their act together. He went silent and I hung up the phone.
Product: Debt collection

In XXXX I got a Credit card with a {$500.00} limit from XXXX XXXXXXXX XXXX when I came home from XXXX in XXXX XXXX XXXX XXXX. I got the card just to establish credit and I spent approximately up only {$300.00} on the card and paid {$100.00} on my first two payments. The amount I paid down on the card was well over the minimum amounts due yet to my disbelief I was told that I owed over {$350.00}. This made no sense at all even with their ridiculous APR 19 % interest on their janky credit card. I never paid them again and told them XXXX XXXX XXXX close this account with that XXXX! 
It's XXXX and XXXX XXXX Bank now has a third party company, Credit Control LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, writing me as of XX/XX/XXXX for {$400.00} well over the amount on what I browed and paid down. They continue to violate my rights as a consumer well over 10 years later even though I filled a bankruptcy sometime between XXXX XXXX after my XXXX  was born. My child is now XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXXXXXX has sold my petty debt XXXX times since I told them to XXXXXXXX XXXX  with that XXXX. Here are the 12 companies who have participated in violating my rights as a consumer to protect myself from fraud, lies and overall bad business practices : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above harassment violates XXXX compliance standards as I mentioned I did file a bankruptcy XXXX years ago and this debt is over 12 years old. Moreover, I did not enter into any written agreement with any of the XXXX private agencies listed above and should be noted by the federal law of the United States of America states that periodic account reviews by an existing creditor or my own requests to check my credit file will and does remain in my file for 2 years. Thus, each time my debit was sold in attempt to collect was illegal in the state of Georgia beyond : 6 years for written communication, Oral contracts and Promissory notes 4 years, and open ended accounts including credit cards are only good for 4 years. XXXX XXXX XXXX  Thank you kindly for your time and consideration regarding this matter. I do expect this violation of my consumer rights to STOP! XXXX Truly, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Social Security XXXX and account reported from : Creditor : XXXX XXXX XXXX XXXX Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Creditor : U S DEPT OF EDXXXX ( Original Creditor : CONSOLIDATED DIRECT LOAN ), Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Creditor : U S DEPT OF EDXXXX ( Original Creditor : CONSOLIDATED DIRECT LOAN ), Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 

Creditor : XXXXXXXX XXXX XXXX XXXX Account : XXXX Reason : Validate Account. Please ensure that all information is accurate. 

Creditor XXXX XXXX XXXX, Account : XXXX Reason : Under penalty of perjury, I swear this account is false and misleading. Please remove it from my credit report. 


ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENTS ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX. 

XXXX XXXX