23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi I am a XXXX XXXX person I get a check of XXXX a month I am fully aware I got a personal loan out for medication and I am having trouble paying it back on XXXX/XXXX/2016 I got a letter stating " '' LEGAL ACTION NOTICE '' YOUR ACCOUNT HAS STILL BEEN UNPAID! 
you signed a legal binding contract on a loan that you made with AAA LOANS AND TAX SERVICE. you have received the money and to this date, you have failed to pay. You are past due XXXX. 
IT IS OUR RIGHT TO FILE A LEGAL LAWSUIT AGAINST YOU. YOU WILL BE SUMMONED TO APPEAR IN COURT AND WILL BE ACCESSED ADDITIONAL COURT AND FILLING FEES. you must make a payment or call the office with en 5 days of receiving the letter to avoid legal action.. call our office to work together on bringing it up to date or LEGAL ACTION WILL BE THE NEXT STEP.
Product: Debt collection

Insurance company is trying to negatively impact my credit when I already paid for months used. 

XX/XX/ {$300.00} I have been disputing this for a while and it should not be on my credit report at all.
Product: Credit reporting or other personal consumer reports

If, any reinvestigation under paragraph ( 1 ) of any information distributed 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... 
( 1 ) 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 investigation ; and Account Name : 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: Credit reporting

My vehicle was stolen and crashed. XXXX XXXX, Pa law firm represented the insurance company. XXXX XXXX court dockets show a summons issued for me was Returned Unserved-Does Not Reside At The Address Given ( By XXXX XXXX to the XXXX 's office for service ) I learned about this when I received a letter that they had ordered my driver license suspended. I contacted XXXX XXXX law firm and was told the summons was signed for by the person who stole and crashed my car mother ( AT THEIR ADDRESS ) I never resided at their address, nor did I communicate or have contact with them. Although, I never had knowledge of a court date this is the information XXXX law firm used to obtain a XXXX Judgment against me, suspend my driver license and put this judgment on my credit. 
As shown in the court docket records I filed with the court to reopen this case and filed a motion to be dismissed from this debt and judgment. XXXX XXXX law firm then provided me with a letter of satisfaction ( no longer holding me responsible to this debt. I filed the letter with the court and with all XXXX credit agencies. Experian is the only credit agency that refuse to remove this from my credit. Stating that a judgment can not be removed simply because it is paid. However, the judgment debt is Not paid. I am NOT the responsible party for this debt and therefore, it was satisfied against me. I mailed all of the necessary documents to all XXXX credit agencies XXXX XXXX and XXXX removed it under the Fair Credit Reporting Act since I am Not the responsible party. The responsible party was later arrested on a warrant for XXXX. He also filed a letter with the court/Judge and with XXXX XXXX law firm, stating that he took my car without my knowledge or permission I sent this information to Experian and still, this judgment on my credit is preventing me from fair credit and fair housing. This is not my debt.
Product: Prepaid card

This case is related to another case I have filed, case number XXXX where I have given information in regards to what happened after I tried to activate the gift cards and call Incomm Financial services for help. This dispute will specifically be for my second card that is not working where XXXXXXXX XXXX have been spent on the card on XX/XX/year>, two years before I received the card.
Product: Debt collection

I was notified by official mail addressed to me that I was to pay a debt not incurred by myself, but by result of someone acting as myself via using my personal identity in order to create a credit account with a consumer financial platform. I'm actively working with the appropriate agencies as I'm disputing the debt as a result identity theft, as I did not incur said debt that I was notified to pay.
Product: Debt collection

XXXX REPORTING A DELINQUENT ACCOUNT STATUS ON MY XXXX XXXX XXXX XXXX. I SENT 2 NOTICES REQUESTING VALIDATION
Product: Debt collection

I have a collection that was filed after my bankruptcy. It was filed by Central Financial Control who also does business as Syndicated office systems. I disputed ( XXXX ) and had the collection removed that was filed under central financial control and they re-opened it as Syndicated office systems ( XXXX ). Then they opened again with XXXX as Central Financial Control. I have contacted them and sent them copies of my Bankruptcy and all information and they refuse to remove it. It is sitting as an open collection. THere are no account numbers or dollar amounts on either one. They say that it was last reported XX/XX/2015, yet the collection was n't opened until XXXX, this date has also changed as the original open date was XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a active XXXX XXXX credit card in good standing for many years. Sometime in the past year or so a negative XXXX card account had gotten added to my credit report. Ive disputed this several times with XXXX  with proper documentation but they have failed to do anything about it. I cant even dispute it anymore because they have it permanently like they are still undergoing an investigation even though theyve updated it again with the same negative information but making appear newer. They have added remarks that dont even make sense. I do have copies of what they are doing along with my documentation that should had been read and looked at. The last time I had a payment it was due back in XX/XX/XXXX. I paid it early in XX/XX/XXXX. Also have proof of a new star card that was mailed to me back inXX/XX/XXXX. I do have copies where I had spoken with XXXX.
Product: Debt collection

XXXX XXXX I was removed from lease which relinquished my responsibility to the property. XXXX XXXX XXXX issued a debt collection- without notification of debt- in my name as well as the other party. I spoke with the management for the apartments and I was told that I should have not received a collection and that they would notify the collection agency. This was in XXXX. I have disputed the collection 3 times and it has been denied saying all information in correct. The collection agency is Quantum collections.
Product: Student loan

On XX/XX/year>, I made a final payment of {$9700.00} ( remaining balance ) on my student loans with Edfinancial. In processing of the payment, as of XX/XX/year>, EdFinancial is still processing the payment. In the meantime, interest continues to accrue on the {$9700.00} and today, XX/XX/year>, Edfinancial has charged me interest and my balance now is {$9700.00} or {$2.00} more. In my previous complaint, I have mentioned this issue. Edfinancial continues to charge interest on payments while they are processing the online payment. Theoretically, if my balance was {$0.00} and I made a payment on a Friday, Edfinancial will continue to charge interest while it takes the weekend and XXXX business day to process. How can I ever retire any balance remaining?
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Note that this was not sent in error! I am a consumer by law and my information was misused and now I am seeing false accounts, not 100 % accurate on my credit report. According to 1681i this account is in violation and reported without valid evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. Experian is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )
Product: Credit reporting or other personal consumer reports

I filed for and was approved for the TPD discharge of my Federal Student Loans. My XXXX balance is at {$0.00} showing the accounts Paid In Full and its the same with the Department of Education. My credit reports with all XXXX bureaus are still showing that I still owe the full amount of the loans and that the accounts are still open. This information is incorrect and I have disputed this with all XXXX bureaus and XXXX and even reached out to the Department of Education with no resolution to this yet except to wait up to XXXX or 180 days for the information to change. I have had to look for new housing lately due to an abusive roommate that I have had to call the police on several times and have even been denied housing over the last month at several places because of the credit impact these loans are still having on my credit report. I should not have to get denied housing because this information is being reported incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020I paid an account balance for the negotiated about to XXXX XXXX. This payment should have completed my obligation to the company. I have since then called the local office in XXXX, KS and the corporate number with no help to have it removed from my credit report. On XX/XX/XXXX I requested a free credit report from XXXX XXXX. The account still shows as not paid. I called the local office again on XX/XX/XXXX. The associate there told me he got busy and never sent it to the credit bureaus. He also has no way of pulling my receipt to send to the credit bureaus. No one at the corporate office answers or calls back. I have a receipt, which the associate says I can not email to him. I am never able to get additional documentation reporting that I completed my obligation. 

I recently applied for a car loan and was denied. I believe this account had a huge impact on their decision. I am also trying to prepare for buying a house.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed  : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$9600.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

After an accounting audit 2 transactions were identified that I didnt recognize from XXXX. ( 2 transactions for $ 998ea ) I must have missed it when paying my bills. Contacted CapitalOne in XXXX and filed a fraud claim. The claim was later denied and the initial credit was reversed. Contacted CapOne again # XXXX. Got Rep : XXXX she reviewed claim details couldnt help and transferred to Fraud ; Rep : XXXX- agent says claim was reversed due to my acct having been paid on time, she asks why did you pay your bill if this was fraud. It must have been an over sight. Why am I being penalized for paying on time? So if Im late paying my bills, Ill be supported when defrauded it seems. Then got transferred to Resolution dept Rep- Amber- agent had incorrect information about claim. I had to provided Case # to help her find what I was calling for. After a long long hold, agent returned and advised the claim is denied due to paid bill every month & filed over 1yr after transaction. Once again I corrected the agent because the claim was filed in XXXX and transaction is from XXXX. Requested escalation so I got transferred to a Manager. Mrg. XXXX reviewed claim and had me wait on hold again for a long time. Once he returned, he asked if any contact was attempted to this company and I explained we did try and they didnt know what I was talking about. Thats why the claim was filed asap. Nonetheless, XXXX the manager kept repeating the same as the previous agents. [ timeframe & paid bill ] Claims it is policy. I corrected him again of the dates of the transactions vs claim as he repeated that it was over 1yr. Again I told him if he looked at the claim, I called in the claim in XXXX and the transactions are from XXXX. He then changed his statement to the policy is 118days from transaction. I advised this is unacceptable, every excuse they have is incorrect and because Im a client in good standing Im being penalized for paying my bill on time. They need to take into consideration my age as well, Im XXXXyrs old and I missed these transactions. At this point Im asking for them to reconsider and to please understand that Ive been defrauded and I need help. All he kept repeating is, " Sorry, it is policy, cant help you. '' Capitol One must support the elderly, not hide behind policy. Everyone MUST see how Capital One hides behind policy and dont support their elderly customers. Other credit cards support clients for much longer than 1 year or even 118days. Ive read that the credit card companies hold on to money from companies ( merchants ) for much much longer period of time but yet the customers are not supported when those companies either scam us or even make a mistake. I even asked why wouldn't they allow me to refile and have them ask this company that charged me for proof of service so they ( CapOne ) can verify and see that the money they are holding on to is there for these kinds of situations. This whole call took over an hour and a half and I wasnt provided the support I expected and I actually feel taken advantage of for being in my XXXX 's and just being dismissed is hurtful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both XXXX and the Collection agency Named LVNV FUNDING LLC regarding this account. I have asked them to validate this debt. This account is unverifiable not listing the original creditor for me to investigate and is also falsely reporting inaccurate information such as XXXX is reporting a date of last activity as XX/XX/XXXX while XXXX is reporting a date of last activity as XX/XX/XXXX. In the payment history, XXXX continues to report this account as a charged off account, while XXXX is reporting " OK '' payment history on this account up to XX/XX/XXXX late 120 days. I don't even recognize this account and its erroneous reporting is damaging my ability to get credit needed. Please investigate and have this account removed immediately
Product: Credit reporting or other personal consumer reports

Equifax has continued to report fraudulent accounts on my credit report after I have already sent in the necessary documents Via certified mail. I included everything that was needed which is the FTC REPORT AND MY IDENTIFICATION DOCUMENTS THE FTC REPORT # XXXX ALSO I HAVE UPLOADED IT DOWN BELOW AS WELL.
Product: Money transfer, virtual currency, or money service

Company Dealing With : Robinhood Brokerage Firm I have been trying to withdraw funds from my Robinhood brokerage account since XX/XX/XXXX. It has been saying account withdrawal disabled SINCE XX/XX/XXXX, this is because of a previously returned deposit from my bank account to my Robinhood account. I have been emailing their customer support to remove the restriction since XX/XX/XXXX. They say that they will respond inn1-3 business days. It has now been 8 business days with no response. Ive been in touch with their support account via XXXX which told me to direct message them and then said somebody would get back to me and its been an additional 36 hours since that happened with STILL no response. From my search on XXXX  and other platforms I am not the only one unable to get any type of response from their support team and there are others with the same exact restriction problem. I have had over {$7300.00} being held hostage in my Robinhood account. I have successfully passed all anti money laundering hold times and my funds have been settled for the required amount of time already. 

Robinhood Support Case Numbers associated with this complaint : XXXX, XXXX, XXXX, XXXX
Product: Vehicle loan or lease

XX/XX/XXXX I gave XXXX XXXX XXXXXXXX for a XXXXXXXX XXXX XXXXXXXX. They advise me I can pay {$580.00} a month for my vehicle. with interest it was {$620.00}. I didnt have a job due to covid and they said they would work with me as long as I had a down payment and showing i had unemployment. 
My vehicle was reposed 4 times because i couldnt afford the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX did not purchase the promissory note from XXXX XXXX XXXX. All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, XXXX or Equifax to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 US & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days.
Product: Debt collection

I, did not give consent for American Coradius International LLC to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose. I have never done business with American Coradius International LLC and have no obligation to them. I deny any and all claims and refuse to pay such alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I XXXX XXXX have been dealing with an issue with XXXX over the past 6 months in which they have claimed to have received my FTC Report in XXXX meanwhile it is XXXX. They are including po box XXXX XXXX, NY XXXX that is attached to several delinquencies on my credit report in which these accounts do not belong to me or pertain to me in which also the XXXX XXXX doesn't and it isn't registered in my name. I live in Florida and the XXXX XXXX is located in New York and I have called XXXX countless times and spoke with multiple representatives. Recently, I spoke with XXXX in the specialized disputes department with XXXX and he stated over the phone that this would be taken care of and that the XXXX XXXX would be deleted as this is not a residence. However, the XXXX XXXX still remains on my report which is a violation of multiple 15 USC Laws and FCRA violations. A company by-law can not hold a address against me that I do not own and currently don't reside. Not only this but they are soliciting wrongful and incorrect information pertaining to XXXX XXXX and XXXX for accounts that I never had.
Product: Mortgage

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. MY SERVICER, BANK OF AMERICA, HAS INVITED ME TO APPLY FOR A DEED-IN-LIEU PROGRAM. I AM PROCESSING THAT RIGHT NOW. BANK OF AMERICA HAS SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2014 AT THE SAME TIME THAT I RECEIVED THE INVITATION TO APPLY FOR THE DEED-IN-LIEU PROGRAM. BANK OF AMERICA NOW CLAIMS THAT THERE IS NOT TIME TO APPLY AND OBTAIN APPROVAL FOR THE DEED-IN-LIEU. THERE IS NOT ENOUGH TIME BECAUSE BANK OF AMERICA HAS NOT POSTPONED THE FORECLOSURE SALE.