23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of 2019 I signed a contract agreement with XXXX XXXX which is a property Management company. The terms and conditions of the contract had already been signed and agreed upon by office management at XXXX XXXX. In the original contract agreement we to a set amount of money to be paid for the year however another from XXXX XXXX tried to extort more money out of me than was originally agreed upon. When I refused to pay the false debt she used a collection agency to try to scam more money out of me. The amount that she tried to scam me for has been sent to a debt collection agency named XXXX and XXXX XXXX. I do not owe this debt because all moneys agreed upon in the original contract agreement has been paid. My credit has been adversely affected by this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address showed up on my places I've lived an I've never live in Florida in my life, an secondly you keep lowering my credit scores saying I've been late on credit card payments, I usually pay them early!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get old addresses removed and addresses that are complete errors on my report. The credit reporting agencies seem not to care in any way. I just want my credit report to be factual and correct. Two addresses I use are XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX, CA XXXX ... .. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card

I had a secured credit card with First Progress Card. I called and had the account closed. I informed the representative to use my security deposit money to pay off the account. They are reporting the account as a charge off on my XXXX credit reports. Ive had the credit bureau 's investigate my claim. They did n't resolve the issue.
Product: Mortgage

Borrower is in review for loan modification but NationStar refuses to postpone foreclosure sale to complete review in violation of 12 CFR 1024.41 ( g ).
Product: Credit card or prepaid card

The Credit Bureaus are reporting inaccurate information on DISCOVERBANK ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( DISCOVERBANK XXXX )
Product: Debt collection

A company named XXXX XXXX XXXX sent me a letter demanding payment on an unverified debt, claiming to be a law firm who has already reported the debt to a consumer credit bureau ( XXXX ) and filed a lawsuit in my local court. Furthermore, XXXX XXXX XXXX is attempting to collect on a debt which they admitted by reference, is over 9 years old, which is well beyond the Statute of Limitations in my state.
Product: Debt collection

I was initially contacted by Experian credit alert on XX/XX/XXXX, and was also contacted, via XXXX XXXX credit alert, of a medical debt of {$420.00}, on XX/XX/XXXX. The date of service was XX/XX/XXXX. This bill was from a vehicle accident involving my ex-spouse and my son. My ex-spouse was not at fault and collected a settlement from the " at-fault '' insurance company ( see case # XXXX, XXXX County, Ohio ) .The divorce between my ex spouse and I was finalized XX/XX/XXXX. I stated to Commonwealth Financial Services , Inc., that this is NOT my debt. They stated to me, " Well, it has your name on it now, so you will have to pay for it. '' I asked XXXX on XX/XX/XXXX, to send me the information and proof that this alleged debt is mine. It has been 6 days, and I have not received any correspondence from Commonwealth Financial Systems Inc. 
So, my main complaints are : 1. This is NOT my debt, nor have I EVER received any kind of bill from them in SIX years since the date of service. 
2. They have NEVER contacted me prior ( EVER ) with ANY kind of communication prior to putting this alleged debt on my credit report not allowing my right of 30 days to be able to dispute it, by law. 
3. After I called them on XX/XX/XXXX, I did NOT receive any correspondence validating the alleged debt and/or proving it was indeed mine. By law, they should have sent something within 5 days! 
4. On XX/XX/XXXX and XX/XX/XXXX, illegally and knowingly accessed my credit report fraudulently, without ANY permissions from me ( written or verbal ). 
5. Lastly, according to State of Ohio Law, there is a statute of limitations of 6 years. Just one ( XXXX ) and two days ( XXXX XXXX  ), after the statute of limitations expired. So, ANOTHER law that was violated by Commonwealth Financial Systems Inc. 

So, in summary, this is either a debt owed by my ex-spouse, XXXX XXXX XXXX ( date of birth- XX/XX/XXXX ), or this is a scam. 

This " alleged debt, '' which is definitely NOT mine, has taken a serious negative toll on my credit! My credit score has decreased dramatically due to the illegal practices of Commonwealth Financial Systems Inc! I have also seen dozens, if not hundreds, of similar complaints on the XXXX, and other consumer websites, along with the State of Colorado ( where I live now ) and the State of Ohio ( where the alleged debt occurred ) Attorney 's General Office websites. How in the world is this company, even remotely, allowed to stay in business??? Continuing to use illegal tactics to attempt to scam thousands of people out of there hard earned money? Just as a side note, I currently am disputing this alleged debt with all 3 credit  bureaus. 
I just hope the CFPB can and will be able to do something about this company. 
Thank you for your time.
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, and XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX XXXX {$17000.00}. Please remove.
Product: Debt collection

I had been living in a XXXX XXXX house and had gotten a new phone and plan through XXXX XXXX. Someone in my house stole my information including passwords and account numbers. They purchased multiple phone and service lines under my name and account. I didnt know till my next billing statement was received.
Product: Credit reporting or other personal consumer reports

I was advised by agent ( XXXX ) on XXXX that if I made XXXX installment payment before XXXX that I would avoid any late credit reporting. I paid XXXX on XXXX XXXX. The company XXXX still reported me late in both my private loans. This has caused my score to drop by XXXX points. I have called the company to resolve with management they promised they would call me back no one ever did. I would like this corrected to restore my credit back as should be. I also paid a payment on XX/XX/XXXX as well XXXX .This is negligent on the part of XXXX .this is hurting me financially. Please have both late payments removed from my credit file .im asking that the call from XX/XX/XXXX be reviewed.
Product: Credit card or prepaid card

Received a cash back rewards offer fro m US Ba nk. Open a    XXXX   XXXX   XXXX   XXXX     account, spend {$4500.00} in 150 days and receive a {$500.00} credit. I applied for the cards, received and activated i t XX/XX/XXXX . The y also solicited me to get additional cards so I directed them to sen d one for my  wife which arrived several weeks later. The structure of their billing is I have  XXXX  account number, receive d one monthly b ill and that bill contained detail for the  XXXX  cards received ; each card had a separate number which was different from the master account number. My first  five statements, which would cover the promotional period, showed a total of {$5000.00} spent.    When I inquired as to my credit I was told I did not qualify because the billing was on  XXXX  cards and a   XXXX   card needed to have {$4500.00} in billing (  XXXX  card had approx {$4100. 00} ).   <P/> Reviewing the offer, under a " ** '' small print section at the bottom it says : " {$500.00} cash back will be credited to your Account if you are approved ... .. and after eligible net purchases totaling {$4500.00} or more are made to your Account within the first 150 days of Account opening. '' At the very bottom of the paragraph it adds " Spend on multiple car ds may not b e combined to meet the requirement '' which is their basis on denying my credit.  <P/> I feel this last line is both not clearly obvious to the consumer and subject to interpretation. It does n't say multiple cards on  XXXX  account ; could be referring to multiple accounts for example where the first section clearly states the reward is based on spending on the Account.  One b ill,  XXXX  Account, and clearly more than the required amount was spent.   I 've spoken to their Customer service dept twice, the last time  on XX/XX/XXXX   with a Supervisor named  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} CXXXX XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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: Debt collection

I became aware of an outstanding debt I owe from 2011. I contacted the debt collector via certified mail and asked if they would settle at a lower amount or if they would accept monthly payments until debt was paid in full. I never heard back from them. I then, sent a certified letter to all XXXX credit bureaus asking if they could investigate this. I have never disputed that I owe, I actually acknowledged that I owe this but want to come to an agreement as to how to pay it. The response I got from the credit bureaus was simply that the debt was verified and that it did belong to me. When I ran my credit report at the XXXX it states on there that I dispute the debt but that the issue has been resolved. I do not know what the resolution is as I never heard back from the creditor. To this day I have not heard from the creditor and do not know what resolution it is they are referring to. I am in the process of buying a home and that is why I am trying to do the most I can to get this issue resolved.
Product: Credit card or prepaid card

On our XXXX XXXX  credit card statement, there is a line that reads : Paying Interest and Your Grace Period : We will not charge you any interest on your purchase balance on this statement if you pay your new balance amount in full by your payment due date. 

On our XX/XX/20 statement, the new balance was {$480.00} with a due date of XX/XX/20. 
We made payments of {$480.00} on XX/XX/20 and {$300.00} on XX/XX/20. 
This totals payments of {$790.00} prior to the XX/XX/20 due date. 

We should NOT have been charged interest on our XX/XX/20 statement but were charged {$2.00}.
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 XXXX bank/XXXX account number XXXX XXXX XXXX XXXX net credit account number XXXX I look in TransUnion credit report on XX/XX/year> and notice something are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximal possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( exb ). And according to 15 USC 1681i 5 they are suppose to do this ( XXXX  ) Treatments of inaccurate or unverifiable information. ( A ) in general after any reinvestigation under paragraph ( XXXX ) of any information dispute that it was a payment in XX/XX/year> is inaccurate and that this account would be removed XXXX/XXXX  is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Mortgage

This is in reference to swbc loan # XXXX. 
I was approved for a 6 month forbearance plan under the CARES act XX/XX/20. At that time I was also insured that this was not to have any record whatsoever on my credit report under the condition that I resume paying my mortgage when the forbearance plan ended as per conversations with executive resolution specialist XXXX XXXX with our last contact XX/XX/20. I have been making timely payments since the plan ended yet discovered that swbc placed record of this on my credit reports which has negatively impacted my personal credit rating. If I was not promised that this would not be the case I would not have enrolled in the forbearance plan since I work hard to maintain impeccable credit and do not appreciate the frivolous this company has done this despite stating they would do otherwise.
Product: Debt collection

I have an account with XXXX XXXX XXXX. I recently scheduled a payment on XX/XX/XXXX to be debited from my bank account on XX/XX/XXXX. I have done this several times in the past. Over the past week I have received no less than 15 phone calls per day from Conns even though I have already scheduled the payment for more than the amount due. This morning they called my Grandmothers home regarding my debt. I have never given them her number or permission to call that number.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate, unauthorized and unknown inquiries on my credit report to this day over 75 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the inquiries to be removed from my credit report. These inquiries are adversely affecting and damaging my credit report and costing me thousands of dollars in interest every year and it has been over 75 days so they should be deleted promptly. I DID NOT AUTHORIZE ANY OF THESE INQUIRIES, PLEASE REMOVE PROMPTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX, XXXX XXXXXXXX XXXX with different balances, and CHAPTER XXXX BANKRUPTCY : BANKRUPTCY DISHCARGED
Product: Debt collection

I am responding to your contact about a debt you are trying to collect. You contacted me by mail and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After coming across the recent lawsuit with the cfpb and TransUnion I fear that my credit profile has been extremely compromised after receiving a letter from transunion, stating that the items on my dispute were verified. However, I was not giving any details or documentation proving such claims. This is wildly unacceptable. Also, considering that do to the fcra, all items must report accurately or belong the profile, or be deleted. No such has been done on my profile, and I am now taking further action. You guys will be fined if this matter is not resolved. 


I would like full documentation on proof of these items belonging to me. If you guys arent able to provide me with further details on how your investigation was concluded, I will be taking the next necessary steps to seek
Product: Credit reporting, credit repair services, or other personal consumer reports

this is a fraudulent account reporting on my credit report and I've attempted to contact XXXX XXXX several times with no solution letting them know that this isn't my account.