23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by Franklin Service , INC in XX/XX/2022 and was spoken to very rudely asking for my personal information. I inquired who was calling and the caller hung up, I received several more calls that went the same way over the next four weeks. 
I was able to speak with someone after the ninth time that I was contacted and was informed that they were collecting a debt on behalf of XXXX XXXX. 
I informed that person that I spoke with that I had never had service with XXXX XXXX and they simply stated, " ok '' and they hung up. I have never received any information other that the harassing phone calls. 
On XX/XX/XXXX, XXXX my credit report was updated with a collection account from Franklin Service , INC and it is FRAUD. 
I contacted XXXX XXXX and they went through their data base and informed me that they could not find any record of me having an account with them past or present. They informed me that Franklin Service INC was not an authorized collection agency for XXXX XXXX and that I should file a fraud complaint. 
I went to the XXXX  and they have hundreds of complaints against them for this very tactic where consumers verify that they have never been a consumer of XXXX XXXX but are being bullied into a collection dispute with Franklin Service , INC
Product: Student loan

I applied for and received Income-Based Repayment ( IBR ) for my student loan. Navient sent me the letter of notice of approval  for IBR  on  XXXX   XXXX ,  2017  ( see Exhibit  XXXX   XXXX   1  ). Navient then sent me a bill for my new IBR on  XXXX   XXXX ,  2017  ( see Exhibit  XXXX   XXXX   2  ). I paid this bill and a couple of months in advance on  XXXX   XXXX ,   XXXX   ( see Exhibit  XXXX   XXXX   3 ).    XXXX  On  XXXX   XXXX ,    2017  Navient sent me a bill for repayment of my student loan with out IBR and a bill that was due four ( 4 ) da ys earlier on  XXXX   XXXX ,    2017 ( see Exhibit   XXXX      XXXX    4 )  .   XXXX  I also submitted a remittance slip with the correct amount due to get the payment correctly allocated as per the criminal defendants  Navients  own instructions. The remittance slip is now in the possession of the criminal defendant.
Product: Credit card or prepaid card

The company told me in a commercial personalized form letter affixed with a credit card cardboard simulation along with a summary of credit terms all delivered on XX/XX/2019 to my home address in one standard business envelope that I am pre-approved for a {$1000.00} credit limit that has been reserved especially for me and used such letter to successfully make me go within an hour of my own in-hand receipt on such same delivery date of such same mailing to a certain website and enter a certain supplied Acceptance Code and accept my such offer entering my contact information and income amount. Then, immediately, such company delivered to my inbox a notice of denial of my such application stating my such denial reason as Insufficient Income/Low Income, but I feel that such reason is an act of discrimination against me on the basis of my marital status, from such same email message to me, as to me such denial reason reflects two different income states, one being insufficient and the other being low, which, to me, does not necessarily mean the same thing as insufficient. Likewise, such same letter to me includes graphics of a woman ( shadow of a full-haired person wearing a dress ) holding up one of such same credit cards to a man ( shadow of a flat-haired person not wearing a dress ) both standing just above the words, build, grow, and aspire, but such company did not hire me or get me hired and also did not state anything about driving status, income, sexual orientation, or housing in such same email message to me. Therefore, such company, not including driving status, income, sexual orientation, and/or housing in its own definition of marital status, blocked me from joining accounts.
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. 


Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 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 a 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: Money transfer, virtual currency, or money service

I am writing to express my concern regarding Zelle handling of disputes in light of the CFPB lawsuit showing issues with the platform. Ive tried several times to advise Zelle but they failed to investigate my claims adequately.
Product: Credit card or prepaid card

Due date is on XX/XX/XXXX assessed a late fee on XX/XX/XXXX. Logged back in and they stated I was wrong and they changed the date of the late fee charged.
Product: Debt collection

I had a medical bill of {$540.00}, in which I was overcharged from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. I called the billing dept at ( XXXX ) XXXX and they agreed to reduce it to {$270.00}. I paid them right away to clear up the bill to get a piece of mind! 

On XXXX, XXXX, I went to XXXX XXXX XXXX XXXX open a checking account and to apply for a credit card. 

On XXXX XXXX, XXXX, I received a denial letter from XXXX XXXX XXXX due to a deliquency, which was listed as the collection account I had already paid for. 

I requested my credit report from XXXX on XX/XX/XXXX, and I found out that Syndicated Office Systems ( whom also goes by Central Financial Control ) put my account to collection. I called the phone # listed within my credit report, ( XXXX ) XXXX, and was told my account was " settled in full '' and had a {$0.00} balance. I requested them to mail me a letter. 

On XXXX XXXX, XXXX, Central Financial Control sent me a letter to confirm that my account was " settled in full '' and that it would take 30 days to update my account with XXXX, XXXX and XXXX XXXX. I gave this letter to XXXX XXXX XXXX for them to process it again and attempted to apply for a credit card there a second time. 

On XXXX XXXX, XXXX, I received another rejection letter from XXXX XXXX XXXX. They advised me that Syndicated Office Systems ( or Central Financial Control ) NEVER removed my account from collection. 

On XXXX XXXX, XXXX, I called the phone # listed within the letter that was sent to me from Central Financial Control, ( XXXX ) XXXX, & spoke with representative XXXX. He said that his company POLICY will not remove it, even though he understood that I had already resolved the case & had a {$0.00} balance. I requested to talk with the manager & was transferred to XXXX XXXX. I had to leave a voice message on his voice mailbox because he was not available at the time. 

On XXXX XXXX, XXXX, since I NEVER received any calls back from XXXX XXXX or any one at Central Financial Control, I decided to call XXXX XXXX Billing Department at ( XXXX ) XXXX & was advised that Syndicated Office Systems is in charge of handling all medical billing. They could not see my account information within their computer system. 

It worries me that if the hospital or medical center gives Syndicated Office System or Central Financial Control too much power to access to their patients ' information from their computer systems, then who knows what they can do with the patients ' confidential information?! 

I attempted to make another call to Central Financial Control and spoke with representative XXXX, who then transferred me to XXXX XXXX # XXXX ( floor leader ). He advised me to fax a letter to " Inquiry Resolution Service '' at ( XXXX ) XXXX to seek for help, but he DOUBTS that they will remove my account from collection.
Product: Credit card or prepaid card

Marcus by Goldman Sachs took over the XXXX XXXX XXXX on XX/XX/2022. Many customers, myself included, still have no credit card and no statements. We keep getting told it's a few weeks out - it has almost been a month. It takes hours on hold to get through to their customer service. They do not list an address to mail in payments on their site not do they have a, that I have been able to find anyway to reach out to them except on XXXX. 

I am at least savvy enough to know how to get online and check my statement but what of all those with no internet access or that are not comfortable navigating their way around the web. 

Also at present we are FORCED to link our bank accounts to make a payment on their site. If they can't be trusted to get me my statements and my new card why should they be trusted with my bank information. 

This conversion has been bungled from the start with lack of response, lack of ways to contact to ask questions and lack of vital information namely our actually cards/account numbers and statements. Marcus seems unable or unwilling to do anything about it expect to continually tell us to wait a few more weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my, XXXX XXXX 's, federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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

Account name : Bankruptcy XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX The United States Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX does not release or act as a third party data furnisher for the Credit Reporting Agencies . Pursuant to Rule 9037 ( a ) of the Federal Rules of Bankruptcy Court Procedure " Privacy Protection For Filings Made with the Court '' ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials; and ( 4 ) the last four digits of the financial-account number. In accordance with 11 USC 107 ( c ) ( 1 ). Public access to papers ( c ) ( 1 ) The bankruptcy court, for cause, may protect an individual, with respect to the following types of information to the extent the court finds that disclosure of such information would create undue risk of identity theft or other unlawful injury to the individual or the individual 's property : ( A ) Any means of identification ( as defined in section 1028 ( d ) of title 18 ) contained in a paper filed, or to be filed, in a case under this title. ( B ) Other information contained in a paper described in subparagraph ( A ). Based on the foregoing, Experian through third parties have collected private information that was not intended for disclosure, illegally obtained and profited said information without my consent or consent of the bankruptcy court. Such illegal obtaining and subsequent disclosure amounts to harm to me and has opened up identity theft concerns. 

XXXX obtained redacted information illegally and subsequently sold the illegally obtained information to XXXX XXXX XXXX.
Product: Debt collection

I was sued today XX/XX/year> for breach of contract with Portfolio Recovery Services. I have never entered into any contract with this company. They are utilizing a bully tactic and attempting to scare me into litigation for a debt that I didnt not create with them. I never signed nor agreed to any loan, terms or monies from this company or any other they own or operate.
Product: Debt collection

Forward Movement Recovery continues to call my number asking for a woman I do n't know on a phone number I have had for nearly 8 years now. They have attempted to call from several numbers, the latest being XXXX calling me at work today. Do n't know how they got this number. SOOOO sick and tired of receiving calls from this company for a debt I never incurred and do not owe ... much less for a person I 've never met and do n't know. In addition, my and my family 's phone numbers have been listed on the Federal Do Not Call Registry for telemarketers for YEARS. Whatever happened to folks respecting this and actually leaving folks like me who want to be left alone left alone as we 've requested?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a XXXX  complaint against XXXX and Equifax because of unfair practices. They have repeatedly decreased my score by 50 or more points when I am PAYING MY DEBT OFF. They continue to blame algorithms, but obviously these are incorrect. It makes absolutely no sense that a person should be punished for trying to eliminate their debt. They claim to give so many tips and tools that consumers can pay for to help improve their scores but when you follow these tips it backfires. My most recent change as of XX/XX/XXXX was decreasing the amount on a credit card by {$370.00} bringing my utilization from 98 % to 56 % and as a result XXXX decreased my credit score by XXXX points. Equifax takes a few days longer to update but they are typically in sync with one another on changes and results. This pattern of punishment for payments has been taking place all of XXXX and beyond. There are several other instances of similar actions. 

I believe I am being discriminated against by these credit bureaus due to the diligence I pay to my report and my unwavering stance towards ensuring all information on my report is accurate. Additionally, I do not believe my previous complaints were sufficiently investigated to determine a root cause. I believe a side by side comparison of someone of the opposite race with fairly similar credit patterns would show a significant difference if score calculation. Furthermore, I believe there are different algorithms assigned to different demographics or groups of people. As I informed them previously, if their CEO had the exact same change to his credit as I most recently had, his score would sure have not decreased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Mailed XXXX XXXX and Transunion on several occasions about this Delinquent incorrect car loan on my report all three bureaus have verified the loan but when I requested the method of verification they never send me this. They literally ignore the letter. Additionally I mailed the furnisher of the information who is XXXX XXXX XXXX and the mail was return to sender not deliverable as addressed unable to forward. However I use the address that was on the XXXX XXXX and Transunion sites. With that said this is against the FCRA as that information has to all be XXXX percent accurate and it is clearly not additionally they continue to verify the account but who are they verifying the account with especially when they wont tell me or show me proof. Additionally XXXX is showing this still with the original creditor XXXX XXXX in which it can not be with both entities thus this is incorrect and needs to be removed immediately.
Product: Debt collection

I received notice that Jefferson Capital supposedly bought a loan from XXXX and that I owe them XXXX. I disputed the amount with them and a credit bureau. I requested Jefferson provide proof of the debt and told the credit bureau it was incorrect. Jefferson sent me a copy of a promissory note to XXXX but did not account for any of the payments I made and provided no proof the acutual amount due. In fact the promissory note was for less than what they claim I owe by almost XXXX. The credit bureau just noted that Jefferson confirmed the amount is correct. Even XXXX  website stated I paid on it and the balance is lower. 
Now I get a notice stating that If I do not pay them a satisfactory amount they are going to forward it to a lawyer in my state to sue- This is a veiled threat despite the fact that they could not provide me with an accounting of what I did pay on the loan The documentation they did send me- the promissory note states that any dispute about this loan by XXXX  or subsequent holders of the loan is to go to arbitration and not a court of law
Product: Credit reporting or other personal consumer reports

THE FOLLOWING CONSUMER REPORTING AGENCIES EXPERIAN & XXXX HAVE BEEN REPORTING INFORMATION ON MY CONSUMER REPORT THAT NOT ONLY HURT MY CONSUMER REPORT TREMENDOUSLY BUT VIOLATES 15 U.S. Code 1681a is a section of the Fair Credit Reporting Act that defines and includes rules of construction. It also includes an exclusion that states that a consumer report does not include information about transactions or experiences between the consumer and the person making the report. Late payments are against the law to be reported on my consumer report as it pertains to a transaction.

15 U.S. Code 1666b. credit card is an open end credit plan because there is repeated transactions with that credit card 15 U.S. Code 1666b is a law that governs the timing of payments for open-end consumer credit plans. It requires creditors to : * Mail or deliver statements Creditors must mail or deliver statements to consumers at least 21 days before the payment due date, in which I have not received during the these months as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Late payment reported by XXXX and Experian XX/XX/XXXX Late payment reported by Experian XX/XX/XXXX A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove this inquiry immediately. 
XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Formal Demand for Deletion of Inaccurate Reporting on Account # XXXX I am writing to demand the immediate deletion of the inaccurate reporting of the XXXX XXXX XXXX XXXX account [ XXXX ] from my credit report. After extensive efforts to address this matter and speaking directly with the IRS, I have confirmed that the reporting of this account as a charge-off is not only inaccurate but also violates federal laws governing credit reporting and debt classification. 
IRS Confirmation of Canceled Debt : According to the IRS, all charged-off accounts exceeding {$600.00} are considered canceled debt and classified as ordinary income for tax purposes. These companies file the charged-off amounts on their taxes, effectively acknowledging the debt as canceled. It is illegal for a company to simultaneously claim a charge-off as a tax write-off while continuing to report the debt on a consumers credit report. As per IRS guidelines, I should have received a Form 1099-C reflecting the cancellation of this debt. 
Inaccurate Reporting on My Credit File : The reporting of this account as a charge-off continues to inaccurately reflect debt that has been canceled. These inaccuracies falsely portray an active obligation, mislead potential creditors, and violate my rights as a consumer. Specifically, the continued reporting of this account as a debt after it has been written off as canceled is in direct violation of federal laws and regulations. 
Failure to Resolve Previous Disputes : Despite prior disputes submitted with supporting documentation, your agency has failed to correct or remove the inaccurate information. This failure to act responsibly, even after being given the opportunity to do so, constitutes a breach of your legal obligations under the Fair Credit Reporting Act ( FCRA ). 
Continued Reporting of Incorrect Details : Specifically, you are still reporting the Last Reported date as XX/XX/year>, which conflicts with the accounts charged-off status. Additionally, the Date Last Active and Date of Last Payment should reflect consistent and accurate information, yet discrepancies remain in these details, further underscoring the lack of compliance in your reporting practices. 
The inaccuracies and repeated failures to address this matter appropriately have resulted in violations of my rights as a consumer. I am no longer requesting validation or corrections. I now demand the immediate deletion of this account from all credit reports maintained by TransUnion, XXXX, and XXXX. 
The reporting of this account violates the following statutes : 15 U

SC 1681e ( d ) : Requiring consumer reporting agencies to ensure the accuracy and proper classification of reported accounts.

US Code 1681 and 1681i ( 5 ) : Mandating the prompt correction or deletion of inaccurate or unverifiable information.

15 USC 1692g : Prohibiting deceptive practices in the collection and reporting of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX card but did not applied twice. 

XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX Never applied for these below : XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXXXXXX XXXX : Inquiry date XX/XX/XXXX Partner credit XX/XX/XXXX XXXXXXXX XXXX