23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit systems claims I have a debt from breaking a lease at an apartment I lived in in 2012. The amount that is being said I owe is over XXXX $ When I contact the credit company they can not tell me or show me in my lease where I am obligated to pay for rent even though I gave a 30 day written notice. I was under the impression that if I gave the apartments a 30 day notice that was all I had to do. The credit company can also not see where it says in the copy of the lease that they have obtained that I would be required to pay for these months. They have called and requested more information from the apartment company to no avail. After many conversations with a supervisor, i made a phone call to National Credit Systems to get more information today and requested I speak to the same supervisor I have been speaking to, however I was transferred to a representative. When I tried to stop the representative and tell him I was working with a supervisor he proceeded to scream in to the phone numerous times that " I was rude '' When finally in contact with the supervisor she stated to me that the information requested from the apartment complex was just to " do me a favor '' not because they needed the information to verify this was correct information. She then told me that I could call back after I receive a letter from the apartments. This information is not correct and is affecting my ability to purchase anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS LOOKING TO START A NEW BUSINESS WANTING TO RAISE SOME CAPITAL FOR THAT BUSINESS. THE BANK I HAVE AN ACCOUNT WITH INFORMED ME THAT I HAVE MANY ACCOUNTS THAT ARE NOT IN GOOD STANDING. I KNEW THAT THIS WAS NOT THE CASE I LOOKED AT MY CREDIT REPORT AND THESE ACCOUNTS ARE NOT MY ACCOUNTS. I NEVER SIGN FOR THESE ACCOUNTS NOR DO I HAVE ANY BENEFICIAL INTEREST IN THESE ACCOUNT THEY NEED TO BE REMOVE ASAP FROM MY FILE.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MIDLAND CREDIT would verify the debt. So I took it upon myself to ask MIDLAND CREDIT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has many open complaints XXXX XXXX and more PLEASE NOTE FINAL LETTER WITH SUPPORTING DOCUMENT " LEGAL DOCUMENTS '' sent regestered letter on the XXXX this month THE DOCUMENTS ATTACHED QUALIFIED FOR IMMEDIATE REMOVAL in my request I asked for XXXX XXXX XXXX to XXXX removed from all and re assign to another legal advisor also in my complaint/dispute I asked for personal statement PLURAL to be removed as well SHOWING NONE also I asked all creditors showing included in XXXX XXXX record to be suppressed and not showing debtor information this is a tactic Experian uses to the advantage of THERE CLIENTS as far as my dispute Public Record I supplied XXXX with XXXX XXXX Letter with XXXX direct contact to correct the filing date but all good I have my court discharge letter also in my disputes with Experian I will admit I got confused with a XXXX report I am XXXX XXXX  and denied mortgage loan lease establishments for the errors on my reports as far as XXXX he took my errors and XXXX it to a advantage to make me look stupid I suffer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and or comprehend his replys I best XXXX  him to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$4700.00} ; XXXX Balance : {$530.00} ; XXXX XXXXXXXX Balance : {$510.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on the list of individuals impacted by the Equifax Data Breech.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX 2014 I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!!
Amount : {$2700.00} Reported XX/XX/XXXX Filed XX/XX/XXXX XXXX County Superior Court
Product: Debt collection

I was paying this loan back and had to relocate and fell on a hardship and was trying to work out some arrangements with them and they kept coming back with a monthly amount owed that kept increasing. They demanded that I pay them what they needed which was not affordable to me. Since then, the original balance i borrowed has increased from {$7800.00} to {$18000.00}. They said if i would pay them, they would reduce the actual amount owed back down by over {$10000.00}. This company has completely not be willing to work with me and so I was unable to deal with them any longer and the talks broke down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached you will see payments made to XXXX and the fact that XXXX reports this balance and account paid in full and/or as non-existence but it is on my credit report. I did not falter with our agreement, XXXX choose to close my account so I am not in violation at all. I never ported out my number and they are now telling me that they want all the money I paid all over again, yet the account does not exist, and it is on my credit report. Why would I pay XXXX twice just because they state I must. I will not pay them the moneys already paid, the tablet already traded in, and the monthly payments already made.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report recently and I noticed there were multiple inaccuracies. 

I contacted XXXX, XXXX, and Equifax via telephone and by mail to dispute these unauthorized accounts.

US Department of Education US Department of Education US Department of Education Dept of ED / XXXX 15 USC 1681 section 2, states I have a right to privacy regarding financial information.

According to my credit report, these entries related to these student loan accounts violate my rights to privacy. I would like to draw your attention to the Gramm-leach -Bliley Act, which mandates the protection of consumer financial information held by financial institutions. The inclusion of inaccurate student loan information on my credit report not only violates privacy rights but also potentially violates the provisions of this Act.

15 USC 1681 section 2, also states a consumer reporting agency can not furnish and account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED, I'VE BEEN A VICTIM OF IDENETY THEFT. XXXX SENT IN MULTIPLE REQUEST TO EQUIFAX WITH 605B, REQUESTING FRAUDULENT INFORMATION BE BLOCKED FROM MY REPORT. SOME USED MY INFORMATION TO GET MEDICAL CARE. EQUIFAX REFUSES TO BLOCK THIS INFORMATION FROM MY REPORT. EQUIFAX SAYS THEY WILL INVESTIGATE MY CLAIM. WELL I HAVE A PROBLEM WITH THIS. BECAUSE THIS HAS TAKEN OVER 30 DAYS. EQUIFAX HAS MULTIPLE ACCOUNTS REPORTING DOUBLE ON MY REPORT. I'VE ALSO ASKED TO SEE A SIGNED CONTRACT, BECAUSE IVE NEVER DONE BUSINESS WITH ANY OF THE COMPANIES EQUIFAX IS REPOERTING ON MY CREDIT FILE. THIS FRAUDULENT AND INACCURTE INFORMATION IS HINDERING ME FROM GETTING CREDIT. EQUIFAX KEEPS IGNORING MY REQUEST, I WILL JUST HAVE TO CONTACT MY ATTORNEY. BECAUSE THIS IS A VOLATION OF THE FCRA. I SEND WILL ALSO A COMPLAINT TO THE FTC, AND XXXX. 
AGAIN THE FOLLOWING ACCOUNTS ARE FRAUDULENT AND MUST BE BLOCKED.. 

XXXX XXXX SERVICES {$380.00} ACCT # XXXX ( .XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ACCT # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) {$1900.00} ACCT # XXXX XXXX. XXXX {$1300.00} ( XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$42.00} ( XXXX XXXX ) XXXX XXXX {$42.00} ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent Experian a : Affidavit of Truth ( notarized ), and a invoice stating the laws that have been imposed on and the amount I was owed based upon that breach. I have not gotten any response. 

On XX/XX/22 I sent Experian the same information with a few more documents : Affidavit of truth ( notarized ), a invoice, legal notice and demand document. 

It is now XX/XX/22 and I have not got a response from this company. 

I sent all my documents certified mail to : EXPERIAN XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Transunion recently with supporting documentation of a charge off. I have credit reports going as far back as XXXX that reflects XXXX updating my credit report to show this account was closed and charged off as of XX/XX/XXXX. After filing the dispute the creditor changed the closed and date major delinquency was first reported to XX/XX/XXXX. These are tactics creditors use to reage debts delinquencies. When the creditor changed this date my credit score dropped more than 20 points and I now have a new charge off reflecting. I had not been affected by this charge off anymore seeing as though it was almost 6 years old. After speaking with a supervisor at Transunion she stated to me every time I disputed the account the creditor changed the charge off date. She also stated I did a dispute in XX/XX/XXXX and the creditor change the major delinquency date to XX/XX/XXXX then changed it back to XX/XX/XXXX years later. The supervisor stated she was unable to make any changes because XXXX had the account locked and it was out of their hands. I felt hopeless and decided to settle this debt with creditor although I felt I did not owe the debt. Still the creditor is reporting inaccurate information. The creditor also wrote the debt off as a profit loss/write off in XXXX. I reached out to a lawyer and they stated to me that I needed to file a complaint because Transunion has violated sections 609 and 621 of the FCRA by not correcting inaccuracies and not conducting proper investigation. I am asking that Transunion delete this tradeline immediately due to inaccurate reporting and I am providing all documents. Ceo XXXX XXXX sat with the US House Committee and stated he was fixing this broken system to aid consumers. I have been denied a mortgage as a result of this and I have been completely stressed out. I have felt completely helpless as a consumer.
Product: Debt collection

I keep receiving phone calls from United Collection Bureau ( XXXX ). I have repeatedly told them that the number they were calling was a work number and they are not to call it. I contacted them once again today, XX/XX/2020, and explained that I do not owe this debt or any other debt. I said that they need to stop contacting me. When I refused to provide my date of birth and current address, the gentleman refused to do anything. This is some alleged debt that I do not owe. They are constantly calling and sending mail to family 's houses, where I do not live.
Product: Credit reporting or other personal consumer reports

As A Financial Institution you must provide me as as a consumer my opt out notice and my privacy policy notice under the Gramm Leach Bliley Act, failure to do so will result in legal actions taken against your company.

Also 15 usc 1681b clearly states your company ( XXXX ) must have written consent from the consumer to furnish any information so if you claim you have permissible purpose please provide documentation for proof if not immediately remove this account from my 3 consumer reports failure to do so you will also be in violation of the FCRA, you have 10 days to remove this account and please be aware Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation.

I have tried to solve this issue with you, you have failed to respond to my complaint on the cfpb it has been over 60 days and company still hasnt responded I demand this account to be deleted immediately # XXXX
Product: Debt collection

On about late XXXX or early XXXX, I requested internet service from XXXX XXXX, the original creditor name. 

They didn't mention any possible problems in giving me service and in-turn made me feel confident that they could provide a good service. 

At this point they came out to my home and installed a small dish. After finishing the installation, the installer said, there you go, it's up and running. Turned out, their service wasn't working. 

Within that first day, after the installer left my home, I reported to XXXX XXXX, I was having a connection problem. 

They swiftly sent a repairman to my home the following day. 

After checking my system, the repairman told me the problem was with their tower and it would be fixed immediately. 

About the third day, I reported still having a connection problem. 

Again they sent out a repairman. This new repairman said the area-sender was having problems. He stated that XXXX XXXX was working on the trouble as we speak. 

The following day I reported having no service again. They got snooty and said their working on it. 

A good week and a half later, having no service, I called XXXX XXXX and requested a manager. I asked him to cancel my service, and he said no problem. 

Then about a week later, a XXXX XXXX representative called me and said I owe {$120.00}. 

I told them the account was closed due to non service. She said I would have to pay {$120.00} for their service, before the account could be closed. 

XXXX XXXX called me periodically over the next several months, asking for payment. Numerous times they indicated the account was still open. 

Even though they could not provide internet service to my home, they would not close my account or delete the {$120.00} charge. 

I told them I never got service, but the XXXX XXXX reps, were adamant about my paying XXXX XXXX {$120.00}, even though they were unable to provide me service. 

Following all this back and forth, EOS Cca collection service came into the picture. They have called me a number of times requesting payment. I have repeatedly told them I never got service. 

They keep telling me the account is still open and I must pay. 

Ever since closing the XXXX XXXX account ( regardless that they did not close it ), with-in a day, I have been with XXXX 

XXXX came out to my house, installed my service, and have provided me great internet connection with no problems at any time right from start.
Product: Credit reporting or other personal consumer reports

This inquires were not authorized i demand for these unlawful inquires to be remove
Product: Debt collection

On XX/XX/20 I spoke to and made an agreement with ERC Enhanced Recovery Collections regarding my XXXX XXXX XXXX account. We agreed that if i paid in the requested amount to settle the account they would remove it from my credit and as of today they have not done so despite the fact that i kept my end of the bargain. I am trying to purchase a home for me and my sons and I need this to be removed as we agreed to. Thank you!
Product: Credit card or prepaid card

XX/XX/2022 Payment received by BJ 's didn't credit account {$190.00} XX/XX/2022 Payment received by BJ 's didn't credit account {$260.00} XX/XX/2022 Payment received by BJ 's didn't credit account {$250.00} Complaints submitted to Consumer Financial Protection Bureau : # XXXX BJ 's sent correspondence stating they would refund me but they did not.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Birth Date : XX/XX/XXXX Consumer Social Security Number : XXXX My name is XXXX XXXX . I am a loyal client with Synchrony, and have multiple credit cards including the XXXX XXXX, Care Credit, Lowes, and Mattress Firm card. 

My issue is with the XXXX XXXX. My account number is XXXX, which was just approved on XX/XX/XXXX. The problem is that I noticed that my balance was reported to the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( at the time of writing this complaint, I fear that it will keep being reported daily. ) On XX/XX/XXXX, I first called your company and was told by the representative that you only report one time per month. When I mentioned that I thought that was the case, but that is clearly not what has been happening, so there must be a glitch or something wrong, I was told that your company definitely only reports once per month so I should call the credit bureaus to see why they are reporting multiple times. So I then called all three bureaus XXXX, XXXX and XXXX, and was told by e

ach of them that they do not just pull the information on their own, it is sent to them by the lender. That made sense to me, and I did open disputes with them about the issue as well. So then I called your company again to report that I did was I was told, spoke to the bureaus but they said the issue is with Synchrony. I was told by your representative that he would send a balance dispute to the bureaus. While I appreciated that this second representative was willing to try to do something to help, I tried to explain to him that just updating the bureaus with my CURRENT balance ( as of that day, XX/XX/XXXX ) is not fair and unacceptable because the bureaus should not have access to any reported balance at all yet! My very first payment is not due until XX/XX/XXXX and this rep confirmed that my balance would be reported on the XXXX. Therefore, until XX/XX/XXXX the credit bureaus should show a {$0.00} balance.

I am extremely timely and calculated with my credit and in paying my lenders. This incident gave me no time to make a payment to lower the balance before the due date or before it was reported to the credit bureaus. I am in the process of purchasing a new home and I must be extremely calculated and meticulous with my credit during this time. Each day that my balance was reported this past week, my credit score dropped significantly with all 3 bureaus.

This is ridiculously unacceptable and if this is how the company operates, I will certainly not be utilizing any of my approved cards. This is a violation of my rights, under the FCRA, as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I was called by a customer service representative on XX/XX/2018 regarding one of my credit card accounts through Barclay Bank, and was told that someone had requested a new card be sent to me at an address that is different than my current mailing address. This representative had information at the time regarding current and pending transactions that are unusual on my account, and did not notify me of those charges, and neither did this person make any attempt to transfer me to the company ; 's fraud department and a representative there despite several actions of unauthorized activity. I called them back on XX/XX/2018 and also logged into my account online to find several discrepancies. This has happened in the past with this company despite me changing my username and password several times, and setting up additional security features through their login process. I also asked a representative at some time in the past if I could set-up a verbal password, because I thought that I had one set-up and a different customer service representative told me that that is not something that they do, but with my call yesterday, they prompted me to do so. I find these actions to be negligent of their legal duties in operating a financial business, as well as completely unethical in failing to notify me of fraudulent activity in a timely manner.