23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted on XXXX by I Q International. When I spoke with the rep he was very verbally abusive. He stated that I need to pay the amount in full and that they do not accept any type of payment arrangements. I told im i did not have the XXXX he then stated why was I calling him and wasting their time. However, I did not call them. He then stated they were going to negatively affect my credit. I decided to take a moment to calm down and call back on XXXX. When I got a rep on a phone I stated what happened the day before and that I had questions. He stated they do but they do not make payment arrangements. He advised me first I need to apply for a loan from a third party to pay them in full. He stated I need to do this with a co-signer because of my credit was bad. I personally do not think this was any of his business to ask me that kind of information. He then went on to state that if I was denied I need to send them that information and then they will talk about payment arrangements. I have never heard of a company that collects debt dealing the way they are and find it not right as well as abusive and intrusive to personal business that they should not be asking. They have degraded me and made me feel as if im am being bullied in to applying for a loan I know I can not get or a loan that is going to cost me well over what my normal debt is. I asked if they will provide any paper work stating I am making payments as i already know i will not be able to get as I do not have a co-signer or the credit score to  obtain such a loan. He then stated that they do not give any type of paper stating I am paying so I can try and get another apartment and show I am working to pay that debt off. I'm not sure if this is a legit way of doing business with people or if this is a complete scam. My next move is to open a lawsuit since I can not even get the correct information or any type of document showing im paying or what they are saying is true. Its not okay to treat people in this way when they are trying to pay.
Product: Debt collection

I do not have a signed contract and or knowledge the company ERC which also goes by the name of Enhanced Recovery Company. The mentioned company has placed a debt collection as a derogatory mark on my credit as a third party debt collector agency for XXXX XXXX. The amount shown to be owed is {$1600.00}. It is against the law to collect on a debt that is not associated with the original collector and ERC has failed to provide documents that show I had a contract with them! and being that they are not able to provide the documents for the validity of this debt they have to remove the debt and I am requesting that it is removed immediately! I am not responsible for this debt and would like it to be removed from any credit bureau that it is shown. I have repeatedly received threatening correspondence related to this debt but no validity of the debt!! If the debt is not removed from all 3 Credit Bureaus as requested I will be seeking a lawyer as the debt is erroneous and not owed to ERC
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I know was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments.I 've attached a copy of my report to this complaint on the following dates ( XXXX. ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Dept of Education has used illegal/unlawful re-aging tactics, to have closed debts remain on my credit report passed the federally allotted time. The DOFD ( date of first delinquency ) or the date that this account became 30 day late and no other payment was made was six months and 30 days, after recieving my degree, which would make the DOFD of the account XX/XX/XXXX. This means that this account should have been removed XX/XX/XXXX. It has not been removed because the U.S Dept of Education has re-aged the account to reflect a DOFD of XXXX. This is not only agregious but illegal and I want this account removed Immediately.
Product: Money transfer, virtual currency, or money service

Robinhood has restricted my account, preventing me from opening new positions or adding/withdrawing funds. They initially said they would provide an update on the XXXX, but have not explained why my account was restricted. Ive reached out to customer service, but theyve offered no clear information. Ive read concerning reports from other users whove had their accounts closed, with funds withheld, and Im worried that this could happen to me as well. I need transparency and access to my funds as soon as possible.
Product: Checking or savings account

My legal name had been changed since 2023. Chase bank is unable to generate my bank statements with my new name.
Product: Credit reporting or other personal consumer reports

On XXXXXX/XX/2023, XX/XX/2023, XX/XX/2023, SELF IS REPORTING LATE PAYMENTS ON MY REPORTS AND THAT ABSOULTELY INCORRECT ... SELF IS SET UP WITH AUTOMATICALLY DRAFT AND I HAVE MY BANK STATEMENTS TO PROVE I WAS NEVER LATE THIS ON THIS ACCOUNT
Product: Mortgage

I tried to pay my mortgage for XXXX and found out that my loan has been sold. When I contacted the new company i was in formed that my payment has been raised to over {$450.00} more then my previous monthly payments. I never received any notice of the change in payment or that my loan was being sold. I was told they needed to do a analysis on my loan to see what went wrong but they would n't be able to do that until XXXX. In the mean time i need to make the larger payment.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 of 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

This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureaus are required to remove any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX Balance : {$420.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
Account # XXXX  has violated my rights. Account # 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 instruction. 

XXXX XXXX XXXX XXXX XXXX XXXX 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
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. 

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  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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is constantly pulling my credit report without my permission as a hard inquiry. I received my credit report from all three credit bureaus. I spoke with Equifax and send them a certified letter and told them that my information has been hacked. That the inquiries that they have on me is wrong. I have not applied for any credit. I call XXXX XXXX and All the other inquiries on my report and they told me that they did not run my information and that they have no information on me. I ask Equifax to remove all of the Hard inquiries that they have on my report and show and send me documentations of what they have. They told me no that they can not remove it. Equifax is letting any and everybody run my credit and not verifying anything. My credit score has drop and making it hard for me to make it. I was and still a victim of identity fraud. Every since people information got hacked from Equifax my life has been a living XXXX for 10 years. Equifax has messed up my life. I have told them in writing by a certified letter and have spoke with them about this and they refuse to do anything about it. I am trying to find a federal attorney if one available I am here ready to move forward. 10yrs I can not take anymore.
Product: Credit reporting or other personal consumer reports

I have listed all hard inquiries on my FTC report which should all be removed from my credit profile
Product: Debt collection

In XXXX of 2023 I finished my lease with a complex. I did fall behind on the rent and was working with them. When I left I talked to the manger and was told that their lawyer would contact me with payment arrangements. I called and left numerous messages and emails with the manger and never heard back. A couple of months later I received a letter in the mail from a debit collector. When I called the company which is national credit system, a gentleman told me how I can dispute the amount because the complex never took off the fees for my XXXX XXXX XXXX and was never given a walk through so I dont know what my security deposit went towards. I did everything the gentleman said to do. I provided the documents to them for the XXXX XXXX XXXX  and also all the information about how my apartment wasnt getting fixed. I waited a week before contacting the gentleman for an update, which I never heard back. I called again and asked for someone else. She told me to submit the paperwork again. When I didnt hear back from her I called again and again. The last message I left was asking if I could pay a certain amount each months because thats what I could afford. Once I was turned down for an apartment due to this being on credit report, I called national credit systems again and got the same lady, she gave me attitude and said that they will not take the fees off for my XXXX XXXX XXXX because the complex said they never got it even though I have the copy from my doctors who filled it out. She then started that I could of been making payments all this time for any amount but I was never told this from the beginning. So now Im not going to be able to find a place due to all of this.
Product: Debt collection

I am writing in response to collection, Act. # XXXX, XXXX XXXX, in the amount of {$200.00}. I am in receipt of your response, dated XX/XX/2021. Providing a bill is not proper validation that I, XXXX XXXX, owe a debt to I.C. System, Inc., or XXXX XXXX. You, nor XXXX XXXX, have produced a dated contractual agreement upon which I entered and agreed to establish a relationship. 

I am victim of identity theft and would like I.C. System to provide proper VALIDATION, above verification, of any relationship established. I am exhausting all efforts to quiet this claim, and also aware of legal remedies, that could be costly, to have I.C. System, Inc., prove in a court of law that this debt is valid If I do not receive proper validation within 45 days or less, you are obligated to have this negative reporting removed from my credit file permanently. This letter is in accordance with FDCPA, 15 U.S. Code 1692g. ; FCRA, 15 U.S.C. 1681-1681x.
Product: Credit card

Capital One is threatening a lawsuit if I miss another payment on my card ending in XXXX. I 've told them repeatedly that the charges making up the balance ARE NOT MINE!!!!!! I will NOT pay this balance!!! Let them waste their money on a lawsuit. I 'm still not paying for these charges as they ARE NOT MINE!!!
Product: Credit reporting or other personal consumer reports

Capital One Bank did a hard pull on my credit on XXXX XXXX that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the XXXX XXXX XXXX and shall be used as evidence in pending litigation  provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to Transunion and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed XXXX. XXXX XXXX, XXXX. XXXX & XXXX XXXX, XXXX. XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any
Product: Credit card or prepaid card

XXXX financing Goldman Sachs Apple XXXX XXXX XXXX and protection XXXX {$1900.00} Auto pay XXXX {$2000.00} Auto pay XXXX $ {$430.00} Overcharged {$520.00} GS- I manually paid {$430.00} using Apple XXXX at XXXX XXXX  on XXXX # XXXX Not truthful flat out lie # 2 Difference in amount financed and statement balance due to additional charges using XXXX  Apple Card Not true Nothing but items listed above No added charges Another lie Conversation with XXXX hang up on us Asked for names at XXXX to write letter and would not allow Asked who is President and would not answer What is option none
Product: Credit card or prepaid card

A check in the amount of {$63.00} was processed through my bank checking account on XXXX XX/XX/2021 to Avant Credit Card Services, but is not being reflected in the XXXX  credit card balance today, XXXX XX/XX/2021. The customer service representative ( s ) said that they have no record of the payment or the check being received but the check has been debited from my account.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts on my report. Please remove the accounts as they effecting my ability to obtain new credit. The following inquires was also not permitted : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : 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 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 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 I have made some research prior to submitting this CFPB Complaint and I have read that under the Federal Law, Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint to request of you to please remove the fraudulent accounts and information from my Credit File as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XX/XX/XXXX, I paid my student loan debt with Credit Adjustments Inc ( a debt collector acting on behalf of US Dept of Education ). When I paid the debt, I was informed by the collection agency that I was being offered a " compromise '', which is essentially settling the debt for a smaller amount than actually owed. According to the collection agency, I was informed that any previously reported negative information on my credit report pertaining to this account would be deleted. This has not happened. I still show a total of 48 derogatory remarks on my credit report for US Dept of Education. 

In addition, the balance on my credit report is being falsely reported. The US Dept of Education updated my balance on my credit reports to show a balance of {$0.00} on XX/XX/XXXX. However, as of XX/XX/XXXX, they re-updated the credit report, which now shows a balance of {$1700.00}. The account was settled in full for {$1600.00}, therefore, it should show a {$0.00} balance. I have attached a copy of the letter that was sent to me from US Dept of Education stating that my balance is settled-in-full. Therefore, I am requesting this be changed immediately to reflect a {$0.00} balance. I have sent numerous letters to the US Dept of Education, as well as disputed directly with all three credit bureaus. This situation is still un-resolved.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an unknown collection account XXXX being reported on my credit report by Sunrise Credit . This company is claiming an alleged balance associated with the original creditor, XXXX XXXX XXXX. However, I have never had an account with XXXX XXXX XXXX. 

Upon contacting XXXX XXXX XXXX, they confirmed that I do not have any accounts with them, nor do I have an outstanding balance tied to my name. The balance being reported by Sunrise Credit is invalid and unauthorized. 

Additionally, Sunrise Credit is not registered to transact business in the state of Texas and does not hold a valid license to collect debts in Texas. This is a violation of state laws and further invalidates their collection activities. 

There are also significant inconsistencies in the information being reported, including discrepancies in the open date and the date last active. These inaccuracies do not comply with Fair Debt Collection Practices Act ( FDCPA ) regulations. 

I was never notified of this alleged debt, which is another violation of the FDCPA. Sunrise Credit has a documented history of being accused of engaging in illegal debt collection practices, and their actions in this matter reinforce these allegations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging an account that XXXX, XXXX, and Transunion are reporting on my credit report. They are reporting XXXX late payments for XXXX XXXX XXXX XXXX when I was never late. I sent a letter many times informing them of this, but my request fell on deaf ears. I do not believe they started an investigation because they did not put a statement of dispute on my credit report. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I reached out to the creditor, and they informed that no one reached out to them to inquire about the account. I am demanding that this account be updated to paid, never late.
Product: Debt collection

This company is trying to collect a debt for {$1400.00} clearly the lease amount as shown in the screen shots was for XXXX and XXXX dollars which does not add up to the amount there were payments that add up to the amount of the lease agreements they have been reporting a fraudulent amount owed. Im asking for this company to delete all accounts thats being reported on experience and XXXX forever honor the paid amounts shown
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting several unauthorized inquires on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting negative results on my credit report of late 60 days late. I talked with the company and stated I never received the credit card. The company agreed to cancel the card and remove any negative reporting. I have an alert that XXXX  XXXX  credit card have reported 60 days late on my account.