23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Good day, today, XX/XX/22, I received a collection letter from I.C. Systems, Inc. detailing a {$630.00} outstanding bill from XXXX XXXX. Problem is, I don't have any kind of business relationship with this entity. I called I.C. Systems and initiated an Identity Theft report. Turns out, whoever is scamming me has my home address, e-mail address, and social security number. I changed my e-mail password, and will contact the credit agencies to keep a watch on use of my social security number, but I'm filing this with you today so that I have it on proper record. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the accounts on my credit file the XXXX XXXX account is fraudulent and misleading Equifax, XXXX and XXXX are engaging in racketeering activities by way of conspiring with XXXXXXXX XXXX to extort me into paying an alleged debt that was not verified also no proof of verification was given to me on the method of investigation or who was the man interviewed or questioned that verified these accounts. And the promissory note used to create the fraudulent account is a counterfeit note use to extort me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided police reports notarized affidavits letter after letter that these are not my charges XXXX has even issued a check to me for the time Ive spent fighting this company. I had my purse stolen from a luggage handler and my wallet stolen at the tavern at XXXX during this period. Upon further investigation of XXXX XXXX and Stenger and Stenger are affiliated and according to their reviews they never remove the derogatory mark. These charges are for 2011 and are clearly NOT MINE!! The original charges were {$400.00} approximately. This mark has severely affected my life. After my divorce I was unable to secure a home loan. As you can see I clearly pay my bills. {$400.00} is not going to change my life. XXXX removed this at one point but they continued to refill it monthly Please help I have spent 2 years fighting these people.
Product: Mortgage

Planet Home Lending, LLC., ( hereafter " The Company '' ) mislead me to believe I could qualify for an FHA loan for the amount of {$640000.00} USD and had me remove contingencies putting a deposit of {$8000.00} USD at risk. This company never ran my spouses credit and said I wouldn't need to, then strung me along for weeks convincing me that this loan would go trough, even though I have since found out this goes against FHA guidelines in my state of residence/purchase. Also, their handling of this situation was very poor, their final response to an email sent to them was simply " ok '', VERY unprofessional.
Product: Debt collection

There was an account opened under my name through a company called XXXX I asked for the opportunity to dispute this account some time ago and they said they would take it under advisement and within sixty days the account was sold to a debt collector. I sent the new owner of this account which is now Security Credit Services a letter asking them to verify the debt on XX/XX/2016 and they have yet to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

GRAIN TECHNO XXXX {$760.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the XXXX.
Product: Vehicle loan or lease

I took out a loan to purchase a 2015 XXXX XXXX through XXXX, not knowing that the loan company would actually be Bridgecrest ( previously XXXX ). My first payment was due XX/XX/19. I made that payment in XXXX. Then I paid my XXXX payment on the XX/XX/19 due date. Between paying that and my XXXX due date I had issues with my bank account. Someone stole over {$3000.00} from my account. My account was temporarily frozen until the issue was resolved. Leaving me with no ability to pay XXXX. My wife, who is an authorized speaker on my account, called in to speak with Bridgecrest about any options available to us. We had none. They suggested we borrow money from our parents ( who are deceased ) or that we pay our rent late to cover the car payment. When my wife told them neither were viable solutions they told her to just put her bank information in so they can try to debit the account, even though it is frozen, and that even if it doesn't go through, it'll still so the attempts. So my wife did this. All she gained from it was tons of racked up NSF fees added to our loan. This goes on for XXXX and into XXXX. We finally were going to have a paycheck free to catch up on our loan on XX/XX/XXXX. My wife calls in and makes the arrangement. They tell her that the vehicle is up for reposession on XX/XX/XXXX. Well early in the morning on XX/XX/XXXX, our area had bad storms/tornados and the roof was torn partially off of our house. Forcing us to use the money we had to stay in a hotel. My wife calls bridgecrest last night to try again to enter into a modification or payment arrangement to get us through until we get the insurance check. She was upset and crying on the phone over the situation. Her and our daughter are in a hotel and I'm actually in the hospital for another few days. The representative LAUGHED at my wife as she told her that Bridgecrest wouldn't help, wouldn't do a plan, no modification. Basically pay or lose the car. I have heard horror stories about this company but did not realize they were this screwed up. When we log in to the website it tells us to call and ask about a modification! But then we call and get laughed at. This is completely unacceptable.
Product: Debt collection

Today I received 2 phone calls and a report of another call they made to my friend. The transcript of the phone message they left on my phone reads as follows : " The this is a confidential message for XXXX. If you are not XXXX  you must hang up now. Hello. I am being asked to report back to you on your birthday, which is a concern. We had to put a hold on your matter at your request, and that is a good thing, but it has expired. So you must call XXXX. I will be available today until XXXX XXXX. XXXX. We do need to follow up or unfortunately, the matter will be taken out of our hands to pay online. Go to ww.w direct Recovery Services and click on the pay now link. Your account number is [ ... ] '' Shortly after my friend forwarded me the above message, I called the number to find out who called me. The individual who answered the phone was very abrupt and would not tell me to whom the debt is owed or how much. Instead they asked me for my SSN and DoB. I told them I would never give that information to anyone over the phone. I asked that I be removed from their calling list and that they cease and desist contact effective immediately. They responded saying, " You have a right to pay your debt .... '' I couldn't stand their yelling into my ear, so, I just hung up when I noticed that they weren't going to leave me alone. 


I followed up that conversation with the following email : " I just spoke with one of your staff asking me to give my SSN and DOB over the phone. 

1. Send your proof of the debt you say I owe to P. O. Box [ ... ] 2. CEASE and Desist all phone call to me or any persons known to me effectively immediately. 

You called me three times today already and you say I have a " right to pay the bills. '' It's only scammers who have asked me for my SSN over the phone. I don't understand why anyone would yell at me for asking for a verification of their debt and providing them with a mode of contact I prefer. Their aggression is deeply troubling and I see that I am not the only one whom they've preferred explosive language -https : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have not authorized use of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022 I reviewed my consumer report and noticed incorrect accounts, hard inquiries, and personal information that is being furnished without my consent. I have contacted Equifax, XXXX, and XXXX several times about this matter and my concerns. Equifax, XXXX, and XXXX have continued to violate my rights under the FCRA and have committed identity theft. The three credit agencies have caused me personal and actual damages because of the incorrect information they have been reporting. I never gave the credit agencies any verbal or written consent to report anything on my consumer report. I have attached the following letters to resolve this matter. Furthermore, I demand to opt out of any arbitration clause. 
1. Personal Information Update Letter.

2. Permissible Purpose Letter.

3. Opt Out of Arbitration Letter.

4. Debt Validation Letter.

5. Concerning Late Payments & Hard Inquiries Letter.

6. Proof of Information Furnishing Damages. 
7. XXXX Communications. 
I have enclosed a copy of my ID and Utility Bill showing proof of address, so the credit agencies CAN NOT say or try to pause this investigation. To conclude the reporting agencies are reporting furnished " charge-offs '' which is a direct violation of Tax law pursuant Title 26 USC. A charge off is considered " income '' which would be considered incorrect furnished information. 1099A has been reported to the IRS for the following companies I " am disputing for audit. IRS Publication 4681 - canceled debts, foreclosures, repossessions, and abandonments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Major Issue Reporting my information to Defense Counterintelligence and Security Agency XXXX XXXX XXXX/ The Credit bureaus stated that my accounts were reported as accurate, modified, removed. Based off my Credit report from XXXX XXXX XXXX this proves to be untrue.

Clause of Article III of the Constitution : I have suffered injurious psychological damage that has come from financial hardship due to lost of employment rooting from Inaccurate reporting. Flagging my Security Clearance/ background  check leading me to be terminated from multiple positions.

There are multiple Open dates, last date reported, the date last active, and the date last reported negligently inaccurate harming me as the consumer. I have already done multiple disputes, this time Im seeking Monetary relief for these mistakes costing me my job and reputation. 

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 My next plan of action if All negative items arent deleted ( a ) IN GENERAL.

Any person who, while a minor, was a victim of a violation of section 1589, 1590, 1591, 2241 ( c ), 2242, 2243, 2251, 2251A, 2252, 2252A, 2260, 2421, 2422, or 2423 of this title and who suffers personal injury as a result of such violation, regardless of whether the injury occurred while such person was a minor, may sue in any appropriate United States District Court and shall recover the actual damages such person sustains or liquidated damages in the amount of {$150000.00}, and the cost of the action, including reasonable attorneys fees and other litigation costs reasonably incurred. The court may also award punitive damages and such other preliminary and equitable relief as the court determines to be appropriate.
Product: Debt collection

This company, American First Finance, calls me repeatedly from multiple phone numbers and before XXXX. 
For example : Today ( XX/XX/23 ) - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX XX/XX/23 - XXXX Between the dates of XX/XX/23 - XX/XX/23 I have received XXXX phone calls from this company, XXXX of which were before XXXX. 

I submitted a complaint to the XXXX  for changing my amount owed and ultimately scamming me, and they have been harassing me with these continuous calls.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( private ), and XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX  on XX/XX/XXXX under the account number ( private ), and a mobile phone account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries from XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, The XXXX XXXX XXXX  on XX/XX/XXXX and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Despite contacting Comenity Bank in writing, disputing interest and fees being charged for interest that was not supposed to be charged in the first place - the balance for merchandise was paid in full within the terms of the card - I continue to receive DOZENS of harassing phone calls every week to pay the balance I DO NOT OWE. 

I previously filed a claim - case number : XXXX - which did not result in any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account # XXXX I disputed the accuracy of this account and told them that it is incorrectly being reported as a charged off account with a balance due, further more asking them to provide proof by verifying the charge off and update the balance to {$0.00} or delete the negative payment status on this account. To this day they just keep saying it was verified without showing me proof. XXXX. XXXX Account # XXXX I disputed this account stating : " I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. Per the FCRA 611 ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Money transfer, virtual currency, or money service

Ditech home loans was my mortgage company. My mortgage was sold/given/bought by another holder. I sent 3 payments by XXXX XXXX XXXX bill pay to Ditech after my account was closed with them. The amounts were XXXX each payment. One payment was forwarded to my new lender. The second was mailed to me. The third payment is being held by Ditech. They have acknowledged that I sent 3 payments and realized that they have not returned my final payment. This has been going on for 5 months. I have called and spoke with several persons regarding this matter and have been told every time " the check is in the mail '' and to wait a few days. Ditech sent two checks out to me which I never received and asked for my routing number so they can deposit it into my account. I gave them 2 weeks to do that and still I have not seen my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/1986 SS # : XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act SEZZLE INC XXXX, has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding multiple days of scan transactions to a fake account. The user authorized payments from my account to theirs using fake checks and the user was not flagged for being a fake account. I lost about {$8800.00} in total from this debacle.After a swift investigation I was informed by banks and Zelle that my funds would not be retrievable. The CFPBs findings indicate that other users have been victim to these sort of scams due to Zelles and banks shortcomings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has applied for a mortgage loan that was not me ( XXXX XXXX XXXX XXXX. Using my personal documents XXXX. identity theft on my consumer report. Please remove all accounts off my consumer report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I noticed a problem with a car loan from XXXX XXXX XXXX that had been paid off after an accident was still showing a balance. I tried to get it corrected. They corrected the balance but showed me as being behind over 60 days on that account. The account was never behind and I have the documents to prove it. XXXX made my credit record worse by doing this. I've tried to get it corrected with XXXX, Transunion, and XXXX XXXX XXXX. Thank you!
Product: Vehicle loan or lease

I cosigned for an auto loan with finance company, Santander Consumer USA, in 2018 and the loan eventually fell delinquent. I later received a notice that I did not qualify as a co-signer for this loan and should have never been approved as such. I have since misplaced this notice but I have discovered that the Attorney General won a class action suit against this company for predatory lending practices of subprime consumers. I would like to have this obligation removed from my name and from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/1996 Balance : {$18000.00}. Please remove.