23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I turned in the keys to the apartment I was renting with a roommate at XXXX XXXX XXXX and was under the notion that I had paid all balances. Additional fees were not disclosed by XXXXXXXX XXXX XXXX  nor future intention to collect any fees. Nonetheless, XXXXXXXX XXXX XXXX proceeded to send a balance to Southern Management Systems collection agency and I was not aware that this was done. To the best of my knowledge, this did not happen to my roommate and is an unwarranted and likely without reason balance that was sent to collections. At present, this collection balance is preventing me from obtaining rent at an apartment complex.
Product: Debt collection

Someone named XXXX XXXX called claiming I was being served at my job between the hours of XXXX and XXXX XXXX CST on Monday, XXXX XXXX, 2016 and was told to notify my supervisor that I will be served at my job as well about this but did not know what it was about. Was given a case number of XXXX. Contacted the company today and they identified themselves as XXXX XXXX XXXX. Gave them the case number and the person put me in contact with " XXXX XXXX. '' Well, this person who said she was " XXXX XXXX '' suddenly said her name was " XXXX '' and that I was sued by Cash Call and there were XXXX charges against me. I asked her to send it to me in writing and she refused to send me anything.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had a chat with a Sezzle representative on XX/XX/22. In the chat the representative reported that I paid my final amount owed on XX/XX/22 in the amount of {$100.00}. However, when I filed a dispute with the XXXX XXXX XXXX XXXX, they did not update the balance. It is still reflecting on my credit that I owe {$820.00} and my credit usage is 127 % which is negatively reflecting on my credit driving my score down. I have filed two disputes. For the first dispute my credit score was XXXX. Sezzle went back and updated that I was 30 days late and it drove my score down to XXXX. Then for the second dispute they took the 30 day late notice off and it only drove my score back up to XXXX. I would like to have this matter updated.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX  account Account number ending in : XXXX Date : XX/XX/XXXX I keep receiving emails on ), an auto loan account opened at XXXX  XXXX  on XX/XX/XXXX under the ( Account number XXXX ), and a personal bank account opened at XXXX XXXX  on XX/XX/XXXX under the Account number XXXX XXXX XXXX XXXX XXXX account number XXXX opened XX/XX/XXXX ( ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Text ( separate complaint filed w/all XXXX bureaus : Experian, XXXX, and XXXX  ) : What happened ( statement of pertinent facts ) : my credit information was compromised by a thief who knew many ways to use it and places that would accept their documents This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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.. These accounts have resulted in several fraudulent hard inquiries 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. 
What would be a fair resolution to this issue? ( demand for relief ) :
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom It May Concern : Portfolio Recovery is practicing unlawful practices by reporting to my credit report with debt that is not valid and they have not sent me a verification letter of the debt. I am requesting them to remove this collection off my credit report.
Product: Debt collection

I have no clue what this collection is for. Where the amount came from or even if I owe the collection.
Product: Debt collection

In XX/XX/XXXX about a Hyundai XXXX leave at that point Im making payments in XX/XX/XXXX I have contacted them because we had a lapse in payment, made payment arrangements dates times with them They added all the dates in their computer. Made all the payments got all caught up, At this point they repeatedly called me turning told him I already made payment arrangements and told them that I made a payment they said that they didnt have it I said oh but let me give you the confirmation number when I did that they found my payment. Then in XXXX we fell behind I caught them actually XXXX I caught them every time I told them but I was going to pay and how much I was going to pay them print computer number because when out to me and next day get another phone, I never noticed anything any computer so Im XX/XX/XXXX I caught them made a payment of XXXX took it off my card. On the phone with them that day I made payment arrangements tell them I say that with my bank for XXXX to come out every two weeks And I told them that I would be making bigger payments and a back payment every two weeks and Ive called him every week to set that up XX/XX/XXXX or XXXX XXXX they repo my car I never got a notice about it never got a phone call. I called them it was on the phone with them for three hours spoke to XXXX XXXX few other people they knew nothing they just tell me what I/O road finally they had this lady called me a case manager from consumer affair is she was assigned to my case later on that day I get a phone call from the people that re-polled it  said that Hyundai finance call them And told them that they were to give my car back right away I get it that day at XXXX XXXX have received and I made payments and I tried to find out what went wrong, Very next day I called to find out what went wrong in every Day The last two weeks and got no answer everybody that is in the phone didnt have any information any so XX/XX/XXXX I get this letter in the mail stating urgent notice regarding your vehicle repossession they mailed it out on the date XX/XX/XXXX they repo my car to XXXX .In this paper it states are you {$770.00} when I was talking to them the XXXX they were saying it only XXXX when XXXX XXXX every time I talk to him its a different amount I have on my receipt and I paid them Im just afraid that theyre going to come take it again even though I paid them so I called somebody XX/XX/XXXX the consumer fair number they gave me I said like to speak to you ladies had with my case they said oh it looks like its 30 days old now we got to make a new one I just hung up on them so frustrated .Then in XXXX they called my husbands job seven times and harassed him I finally called them and asked them to please never call his job again, called this number here the one they have on file .I talk to somebody that Hyundai somebody from the bar association and they sent them what they were doing was breaking the fair debt collection practices act
Product: Credit card or prepaid card

This company is my only credit card agency that failed to secure customers ' security and privacy. It did not implement XXXX step/factor authentication. My repeated calls, emails, secure messages requesting implementation of XXXX have been neglected and appeared to have refused.
Product: Money transfer, virtual currency, or money service

I bought XXXX XXXX from XXXX and after I buy I got valid wallet address for receiving from coinbase Exchange for XXXX XXXX and sent XXXX coins at that wallet address of coinbase. XXXX sent the coins and they got stuck at XXXX XXXX. 
CoinBase Now saying that there network is not supported to that wallet address. How can they say like this when they giving me wallet address for sending and receiving the coin.if their wallet not support they should not give wallet address for receiving/sending in their exchange. I can see my coins lying in XXXX XXXX but XXXX can not move them to Coinbase Wallet as their wallet address do not support. Like me there are hundreds of people also loosing money because of Coinbase Exchange Mistake. 

Please Help me to Resolve the issue with coinbase.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I was able to view both my credit reports from both XXXX and Equifax, but I noticed that my Equifax credit score was significantly lower than my XXXX. When going over both, I noticed that on Equifax that my report is mixed in with someone else 's. It has both our names and accounts together. I don't know what else to do to fix this. I filed disputes with Equifax directly, and even called to talk to a customer service representative, but I've made no progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card company : XXXX XXXX XXXX ACCOUNT # : XXXX DATE OF REPORTING : XX/XX/2020 Reported me deliquent 30 days for XX/XX/2020 due to an ongoing scheduled maintenance which unfortunately resulted in zero access to the account between dates of XX/XX/XXXX - XX/XX/2020. Which was XXXX. Not notified of such scheduled maintenance 2. Unable to access account through online portal or with customer service.

3. Payment was not recorded on XX/XX/2020 of {$1300.00}. 

4. Payment should have reported to credit bureaus on before XX/XX/2020 Please see attached screenshots of the results of the occurences. 

Please as a courtesy I ask the credit bureaus to make the update to the credit agencies to XXXX XXXX XXXXaus : XXXX XXXX  AND TRANSUNION So the dleiquency is removed from the reporting for XX/XX/2020 and shown as " CURRENT '' or " Pays as agrees ''. I have a letter directly from the creditor to have this information ammended directly. 

I appreciate that this be marked as urgent due to repercussions and impact this has had on my credit.
Product: Debt collection

This Account is fraudulent and old enough to continue in my credit report Membership was cancel as gym classes closed per city ordinance to close all gym 's by the XXXX, back on XXXX. 
I have talked to the collection agency Aldous and Associates they do not respect that the membership was canceled by them XXXX XXXX,
Product: Checking or savings account

Bank is closing my account and will not give me my social security payment.
Product: Debt collection

i recently reviewed my credit report and seen it had a collection from caine and Weiner on there, so i sent them a verification letter on XX/XX/2020 concerning this item and alleged balance that i don't recall owing.i also have the letter attached that i sent.
Product: Credit card

I was stopped at a XXXX by a bystander and asked if they could use my phone. They explained they were in a car accident and needed to call a tow company. At first I said no, then they said they had kids so I agreed. 

They asked me to unlock my phone because it was locked. I unlocked it with my XXXXXXXX XXXX. They start typing on keypad to dial a number and walked a few feet away from me asking for a little privacy. They walk back to me asking me to unlock my phone again with XXXX XXXX and then the lady goes to my XXXX XXXX  XXXX  on my phone and sends her own phone {$500.00}. I contacted my bank right after I found out and they said they would do an investigation.
Product: Payday loan

There are two payday loan lenders who are out of control. Wrecking my bank account ( XXXX XXXX, XXXX XXXX, XXXX XXXX ( phone ) ) ... .The first is CashNetUSA ... 
Dear XXXX XXXX, Customer # XXXX This is a reminder about your minimum payment that is coming due for your Line of Credit # XXXX with CashNetUSA. 

On XXXX, a payment of {$250.00} is due. 

They put my bank account in a - {$140.00} even after I told them not to debit it which they agreed -- -- then told me they could not stop their computers from yanking money out my account. Their interest rate is 399 %. They refuse to work with XXXX for a loan consolidation. 

The next lender is XXXX, my account is # XXXX. They just take money in lumps of {$590.00} over a fourth of my paycheck. This leaves me in the negative account zone by the middle of the month. Their number is XXXX XXXX XXXX. 

Please help this man drowning in debt. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute via XXXX on XX/XX/XXXX after noticing an error on my credit report from XXXX years ago from Affirm where they incorrectly reported a delinquency. My loan payments were all paid on time and then I paid the remainder balance in full in XXXX XXXX XXXX with along with my regularly scheduled payment. You can see this reflected in my credit report. Then they suddenly reported in incorrect XXXX  day delinquency the very NEXT month in XXXX which isn't possible. How can they confirm the payment in XXXX but somehow say a payment is XXXX says late the very next month? That's not possible. Then they say it's XXXX  days late the next month. Again not possible. Loan was paid that XXXX. They finally reported the loan as closed on XX/XX/XXXX. THEY made the mistake of not marking the loan as closed until XXXX, although you can clearly see it was paid in XXXX.
Product: Credit card or prepaid card

My husband and I opened new credit cards with Capital One approximately 2 years ago. At the time we submitted the necessary documents for application. The application stated the assets and liabilities for our COMBINED incomes. He received his card with a credit limit twice that of the one I received. At first I thought it was an error. I tried contacting Capital 1. However one can not talk to a live person at Capital 1. Only online submissions. I received a denial form letter that stated there were many variables but I hadn't used it enough to warrant an increase. Naturally not, it was brand new. Without prolonging the number of attempts we made with Capital 1. Nothing worked, just a number of standard denial form letters.

Where the confusion reigns is within our COMBINED income my salary is greater than my spouse. Our Credit Scores are almost identical ( Over 800 ) and our income is over 6 figures. There are no bankruptcies in my past, no late payment, no collections, nothing. However I do happen to be Female.

My only conclusion is that " If you are married and female you are a greater risk for default. '' However not being able to talk to anyone with Capital 1 and unable to get a response from them so that I could confer with anyone I am left with the obvious conclusion. Gender is still a factor in equality
Product: Credit card or prepaid card

Trans actions and expiration IRS deems charge off as income Income is not to be reported Im a consumer a natural living man all debts are an obligation in the United States I do not consent to the sharing of my non public information it is no ones business XXXX XXXX XXXX is using my credit report to extort me this is income not debt there using my credit report to extort me this is income not debt I did not get the full disclosure to opt out. I do not consent to the share in of my non public information. This is a transaction and experience that took place between XXXX XXXX XXXX and I and its no ones business. Why is it on my report there using the credit report to extort me, defame my character and tarnish my credit worthiness. Youre furnishing deceptive forms. You are committing a crime. Its discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just discovered via XXXX XXXX that you have put a collection on my credit report for {$2000.00} on XX/XX/2018. 
I have not used XXXX for any phone, cable or Internet connections. I have been with XXXX XXXX  for years and its all in my husbands name. 
Ive contacted the Collection Agencys and the Creditor directly XXXX XXXX which got me absolutely nowhere the collection company stated they have only Notes and couldnt provide me with sign documents on any of the information and or reason for the collection to be placed on my credit report I asked why they dont have documents and if they are able to contact XXXX  to get them and email me them so I could have them to proceed further in this erroneous collection that has significantly dropped my credit score I am completely confused and mad at the creditor/collection agency who has not been able to provide probable support in order to place this on someones credit and ruin their score without contacting me prior or helping me with proper documents supporting the amount they have placed upon my credit reports. 
Im asking Please remove this collection from my credit report - it is not my debt ... not mine!!! Ive disputed it also with XXXX/XXXX  and XXXX also
Product: Credit card or prepaid card

Account was opened fraudulently for the amount {$230.00}, I have no recollection of this account. The account was not opened by me.
Product: Credit card or prepaid card

I filed a previous complaint and Synchrony Financial did not resolve it. I made a purchase with a Lowes store card in the amount of {$440.00} and the purchase was cancelled. I never received the merchandise, yet Lowes did not refund the charge, nor did they issue any kind of merchandise credit. 

In the company 's complaint response, they claimed that a merchant gift card in the amount of {$440.00} was issued and attached a document allegedly showing this gift card issued as a return. This is fraudulent : I never received the merchandise so I could not " return '' it. I also never requested nor received the alleged merchant gift card. The document has no evidence that I was the one " returning '' the merchandise, nor does it have any evidence that I received the alleged merchant gift card. Whether Synchrony falsified this document or someone at the Lowes store falsified it, I do not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a letter was mailed to correct the addresses on my report. There are addresses on there that are not associated with me ever. A second letter was mailed on XX/XX/2023 and I have yet to receive a response nor have I noticed a change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/Victoria Secret is reporting lates on my credit file. These lates are for the months of XX/XX/20 and XX/XX/20. During these months the pandemic first hit and i was out of work for those couple months i was late on. The pandemic severely impacted my financial situation and i couldn't go back to work even if i wanted to. I have since then made all my payments on time and plan to continue this way. The lates were due to the pandemic hitting us and i am asking that you remove the late remarks from my credit file as making the payment 's was completely out of my hands.
Product: Credit reporting or other personal consumer reports

I wrote a letter to TRANSUNION, XXXX and XXXX on XX/XX/2024 to dispute this accounts XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  FINCL Account Number : XXXX XXXX Account Number : XXXX, I stated the inaccuracies appeared on each of this account. I was never late to any of these accounts. I received a letter from TRANSUNION stating that the letter is not from me. I created sent out that letter with my ID 's and some information so how did they verify that it is not from me. They didn't even mark these accounts as being in dispute. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress. I will attached the letters that I sent to them and also the letter that I received from TRANSUNION.
Product: Debt collection

Received a phone call and Voicemail from XXXX XXXX from ( XXXX ) XXXX stating " This is XXXX XXXX calling for XXXX XXXX this is a courtesy call regarding a claim in my office my intent at this time is to move forward by the end of the business day for whatever reason there was a failure to respond I also need to inform you my efforts were documented the claim has been verified and you were notified and concerns please contact XXXX ... '' I returned the phone call at XXXX XXXX to inform them that I have requested serval times that they contact me via mail and not to call me anymore. When the phone was answered it was gentleman that did not give me his name and denied speaking with me in the past and was belligerent with me and told me that they will send me a summons and disconnected with me. I immediately call back and a woman answered I tried to explain the situation and told her I was filing a complaint, to which she stated you didn't need to call back and hung up on me. I do believe this is a collection agency trying to collect on a JC Penny Card that was paid off in XXXX, and is no longer on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an account opened with Discover Bank XX/XX/XXXX using her information without her consent. A formal dispute of this account was sent to Discover Bank XX/XX/XXXX and as of this date Discover has failed to reply to the outcome of the dispute/investigation. This is a violation of the FCRA and my client 's consumer rights.