23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received 2 phone calls in the moth of XXXX for a company titled GNC. ( I think that is the name never received anything in writing ) When I asked what was it in reference to they would not give me any info stating I had to verify who I was first. I said to them, I just confirmed my name but I will not give you my address or DOB and I do n't know who you are. I even asked for a website. Nothing given so I politely asked not to be contacted by phone but to send correspondence by mail. In XXXX I received a hit on my credit report for a collections from XXXX. Long story about this with sprint I will explain at the end. I called XXXX to ask why I was sent to collections when they had just corrected my bill to the right amount the beginning of XXXX. I was told by sprint my account was at a different office and given a number to contact them. I called the number provided XXXX and low and behold it was GNC or whatever their name is. I asked to speak with a supervisor received a call back and she proceeds to tell me there is nothing she can do and ironic her office tried to contact me but I refused to give information. I told her is it normal for a representative to call and not verify who or why they are calling. I told her if they said they were calling on behalf of XXXX I would have been more inclined to talk. The manager tells me they have to protect their clients privacy. What about my privacy ... That was stupid right there. So I then asked her ok this is more trouble than it 's worth. If I pay it will this be removed she proceeds to tell me no. They will just report it as paid in full. First I was unfairly sent to collections and then you wont remove it. " Now on to how we got here '' I canceled my service with sprint on XXXX/XXXX/15 and they sent me to collections on XXXX/XXXX/15. In that time sprint had sent me a bill for {$1400.00} which was {$600.00} over what I owed. I called sprint numerous time to correct this and spoke to numerous representatives. Finally on XXXX/XXXX/15 it was corrected to what I truly owed which was {$730.00} but on the same day they sent It to collections. I never even received an adjusted statement to be given an opportunity to set up the correct payment. I called Sprint 6 times today and no one was willing to fix this problem. I have been totally railroaded by XXXX and the collection company. I had no problems paying what I owed but I wanted a correct statement. XXXX also never gave me credit for my original phone that I turned in so I am very XXXX off at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was living in Utah helping my parents. I was never served court papers. And never knew court was being held without me. They had to of lied about serving me papers. Its been 11 years ago and there still harassing my credit report. Statutes of limitations are long over and they need to stop reporting to credit bureaus this lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed off several letters disputing all of the inaccurate information that continues to be reported to my credit report and is seriously affecting my profile. I have sent dispute letters to all XXXX, Equifax, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have yet to receive any investigation results or correspondence to show that the errors on my report have been deleted or at least a status of the reinvestigation I requested. The specific accounts in total error that I disputed and that should have been deleted from my credit reports months ago are : the 3 inaccurate late payments on XXXX XXXX XXXX XXXX. The erroneous late payments are being reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but the dates are inconsistent across each credit bureau. I have requested a reinvestigation and proof of how this information was verified with the original creditor and have received no results or proof of verification. This is unacceptable. The other erroneous accounts on my reports that I disputed are with XXXX for a {$0.00} balance, XXXX XXXX {$0.00} balance, XXXX XXXX XXXX XXXX collection with balance of {$2200.00} lease is inaccurate. XXXX collection account with a balance of {$250.00}. XXXX XXXX account reporting inaccurate and inconsistent high credit limits across each credit bureau. XXXX XXXX XXXX collection with reporting balance of {$130.00} is inaccurate. And XXXX XXXX XXXX XXXX collection showing a date of last payment as XX/XX/XXXX is also inaccurate. 

The number of errors on my report, in addition to inaccurate spellings and versions of my name, inaccurate addresses, and duplicate social security numbers on my report are outrageous. I have disputed all of this and I have high concerns of being at risk for identity theft with the credit bureaus not taking accountability for their reporting errors and deleting this misinformation as soon as possible. I have received no reinvestigation results or removals of the information listed above that is impacting my credit scores.
Product: Credit card or prepaid card

made payment on one credit card, they applied on different credit card. I tried to call multiple times and even open case with Executive Team to apply to right account. There is no one giving clear answer. I decided to close account thinking to get my amount that was paid. They keep saying still under investigation Payment amt : XXXX $ dated on XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a consumer a natural living man. All debts are obligations of United States. I did not give any consent. 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 XXXXXXXXEnhanced RecoveryXXXX 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. There furnishing deceptive forms. Enhanced RecoveryXXXX has committed a crime. Its discrimination
Product: Mortgage

I have XXXX mortgages with PNC, the XXXX mortgage has an adjustable interest rate, the XXXX is going to mature next year, at that time the payment on the XXXX mortgage will XXXX. I reached out to PNC mortgage in hopes to do a XXXX mortgage loan modification, during the process they established an escrow account without my consent and offered to extend my loan to 40 years, ( from the current XXXX I have left ), and increase the interest rate for a $ XXXX/dollar savings per month. This offer was a slap on the face and clearly will put me in a worst situation in the long run. 
My loan package, per PNC guidelines, contained over XXXX pages of information.
Product: Credit reporting or other personal consumer reports

I previously requested on XX/XX/year> College Ave to fix my credit report due to violation of two consumer laws. On XX/XX/year> they decided to only speak on accuracy and not privacy and continue to violate consumer laws- 5 U.S.C 1681 SECTION 602 A. States I have 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 consent. 

I would like the charge off removed or I will seek {$1000.00} penalty for violating. This was reported to the XXXX.
Product: Credit card

Just received notice that my XXXX XXXX XXXXXXXX card which is a Barclay 's card is being used by someone other than me. This card has been blocked for months and had approximately {$720.00} on it. I am blocked from making payments, I am blocked from statements and no one will talk with me. I feel this is an inside job. How else could someone charge on a card that has been blocked to me. Please stop charges and stop trashing my credit. I have had no access since last XXXX. Stop!!!!!
Product: Debt collection

My account was deleted and removed by original creditor and credit reports on XX/XX/XXXX Received a suspicious letter XX/XX/XXXX ( also another SCAM it was back-dated XXXX but not postmarked till XX/XX/XXXX - stating needs to be paid within x amount of days from DATE of letter - SCARE TATIC and misuse of DATES ). 

this account is not valid, it is an account that was deleted. 

this company is not valid - who us XXXX? They write the letter 'as if " they are the original creditor / account / collection company - THEY ARE NOT. 
this company is trying to use scare tactics to make people believe they own a debt that is not valid. 

PROTECT yourself, protect your loved ones from SCAMS LIKE THIS that are allowed to happen by the government and these " debt collectors ''. No one cares but you, so READ everything CAREFULLY. 

In tiny fine print it says if you pay the debt they can then reinstate it and sue you! For a debt that isn't in VALID or LEGALLY BINDING! If you look closer you will see THEY CAN NOT SUE YOU, they can not even REPORT on this debt- why? because it is INVALID, deleted, removed or doesn't even exist. 

Legally they can not sue you or reinstate a deleted debt that you do not owe. DO NOT BE FOOLED by this COMPANY 's -- - GROSS MISUSE, MISREPRESENTATION and HARASSMENT. FTC and CFPB won't do anything so stand up for yourself and against companies using GROSS MISUSE TATICS for people who are under-read and do not have the comprehension skills to understand the MISREPRESENTATION of the language they are using and TWISTING to their benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking credit reports and found fraud. Child support loan fraud and. XXXX loan fraud. XXXX. And XXXX also have save fraud reporting on their files as well
Product: Debt collection

Company claims they emailed me, but I did not start receiving emails until I set up an account to pay the debt through their web portal. I had to get my XXXX account information from XXXX XXXX because I had no idea what it was. They think email is a legitimate way to contact me instead of calling me or sending me a letter. I didn't even know the account existed or who XXXX was until it showed up on my credit report and had to pry my account information out of the utility company. So no, I don't think I was properly communicated with and was given NO opportunity to resolve my debt before they damaged my credit report. I should have been contacted by phone or mail with steps to resolve or dispute the debt. I would have gladly paid or worked out an arrangement to take care of the debt. Company refuses to admit it's error and remove the paid account from my credit reports. I will keep submitting complaints until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open an account with XXXX XXXX XXXX of New Jersey back on XX/XX/2018, it was reporting to XXXX for a few months then stopped. I have contacted the company which they stated that they have been reporting to the credit bureaus every month but the bureau is not listing this account & my payment history. I have called & they tell me to contact the furnisher of the information ask to have the account reinserted which I have done over five times.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Chase card services reported the card charged off as of XX/XX/XXXX. In XX/XX/XXXX, I signed up for repayment plan, however the company was still reporting late payments to my credit report. I sent a letter of debt verification and never received validation, the company continues to report late payments at 120 days late even though the card has been charged off and closed since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent Experian a dispute letter on XX/XX/2020 to verify, and validate a collection from XXXX XXXX XXXX.This is the second time I tried to dispute and didn't get a response. 
I personally contacted convergent outsourcing, and asked them to validate this debt, but they continue to sent snapshots of a XXXX  bill I have no knowledge of. 
I sent Experian a packet of responses from XXXX  to show that the debt is not valid.and I have not received a response.I also received several postcards explaining the dispute process, but nothing about my specific dispute case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/2017, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Student loan

I just got my loan letter from Mohela stating my loan is being transferred. I tried several times logging into my account and re-enter the new information. I can not login - keep getting a system error and my payment is due in about one week. 

If there system is bogged down due to high activity, that is not my problem. Thats theirs as I am sure they will have no problem nailing me with a late payment. 

I dont have time to sit on hold waiting for them. Even on their website, it states longer than hold times are expected. Thats their staffing issue. Not mine. They need to figure it out.
Product: Credit card or prepaid card

Due to coronavirus I was laid-off from my job in the XXXX  industry on XX/XX/2020, leading to a one-time missed payment of XXXX dollars on my Chase Bank credit card. JP Morgan reported this information to the credit bureaus on XX/XX/2020 which caused my credit score to plummet XXXX points at once. I have since brought this account current and I am ready to pay off my remaining balance if need be. I am XXXX years old and I have been a loyal customer for 4.5 years. I believe this has essentially ruined my credit unnecessarily at a very tenuous point in my relatively short financial history. I have tried to contact customer service since the reporting occurred and have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of several items on my credit report that are inaccurate, misleading, or fraudulent. These items are adversely affecting my creditworthiness and financial standing, and I kindly request that you investigate and rectify these issues promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find below a detailed list of the disputed items which I want to be removed by the Credit Bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 enclosed copies of documents that support my claims, including attach copies of any relevant documents such as identity theft reports, bankruptcy discharge papers, or proof of address corrections. 

Under the FCRA, I request that you : 1. Promptly initiate an investigation into the accuracy of the disputed items.

Notify me of the results of your investigation within 30 days, as per federal law.

Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report.

2. Failure to comply with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in compliance with the law.
Product: Checking or savings account

On XX/XX/XXXX I contacted my bank CAPITAL ONE 360 CHECKING ( CASE # XXXX ) in regard to a returned payment which occurred in XXXX. On XX/XX/XXXX & XX/XX/XXXX I loaded a total of {$640.00} cash onto my CAPITAL ONE 360 CHECKING debit card at XXXX so that I could pay down my CAPITAL ONE PLATINUM SECURED credit card. On XX/XX/XXXX I initiated a transaction to pay CAPITAL ONE 360 CHECKING credit card in the amount of {$290.00}. This transaction was " Rejected '' on XX/XX/XXXX by my bank CAPITAL ONE 360 CHECKING when, according to my bank statement, my balance was {$310.00}. 
I have spoken to both the credit card and debit/bank departments in an attempt to have this matter rectified. Although CAPITAL ONE claims to have no fees, this erroneous returned payment resulted in my CAPITAL ONE PLATINUM SECURED credit card being " overmaxed out '' way past my credit limit. I have attached scans of my banking statement and correspondence with CAPITAL ONE 360 CHECKING.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX XXXX XXXX ) issued a {$56.00} charge on a former checking account that I had with them. The information was never received by my home address. XXXX reported this checking account balance to Experian as delinquent/ late payment WHEN IT WAS NEVER A CREDIT PRODUCT. Plus, I was wholly unaware of the mere {$56.00} charges. 

I contacted XXXX and Experian to have this debacle removed from my credit. XXXX stated that they sent a notice over to Experian stating the funds were paid in full. I disputed the delinquent/ late payment with Experian and they refuse to remove it, which has caused my credit to suffer immensely. 

In accordance with the FCRA, this creditor has violated my rights. Under 15 USC Section 1681 ( subsection 602 ), it states I have the right to privacy.

15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish account without my written instructions.

Under 15 USC 1666 ( b ), a credit reporting agency can not treat any sort of payment as late for any purpose.

I am asking that these negative mark be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I reported that XXXX, XXXX, and transuion did infact report XXXX things on my credit report that I inform them that was not correct. I started the dispute with all three credit reporting agencies and all three has not taking these negative remarks and disputes off my credit file.
Product: Money transfer, virtual currency, or money service

Closed my account and kept all my money and didnt allow me to collect or withdraw any funds!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following is what is showing on my credit report. I have NEVER had a line of credit with  First Bank.  I have tried, repetitively, to have the account removed or validated and all I get in response is a letter saying that I am being 'frivolous ' and they are not going to remove the debt. They have never sent m e ANY proof th at the debt is mine.    XXXX  Condition Derogatory Responsibility Individual Current Balance  XXXX  Original Balance  XXXX  Limit   XXXX   Monthly Payment  XXXX  Last Payment  XXXX / XXXX / XXXX  Status Collection / Charge-Off Loan Term  XXXX  Loan Type Line of credit Opened  XXXX / XXXX / XXXX  Reported  XXXX / XXXX / XXXX  Remarks Charged off as bad debt|Profit and loss write-off Creditor Information FIRST BANK OF COLORADO  XXXX   XXXX   XXXX   XXXX , CO  XXXX  Phone  XXXX  :  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Equifax via the CFPB on XX/XX/XXXX, XX/XX/XXXX and via the USPS certified mail on XX/XX/XXXX that I have become a victim of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship and discouragement. 

I sent a dispute notice with supporting documentation, ( FTC Report, Police Report, etc. ) yet the fraudulent accounts remain on my consumer report. I have received a USPS return receipt signed by Equifax Consumer Dispute Center on XX/XX/XXXX, which is proof that Equifax has received my dispute and that I do Not agree with the response from Equifax via the CFPB. 

The fraudulent accounts and the mixed or merged personal information on my consumer report are inaccurate and have not been validated, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA or removed pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ). Each time Equifax has responded by stating that an investigation with the furnisher of the information has been initiated and when the furnishing company provides their findings, they will send those results to me. As of XX/XX/XXXX Equifax has not provided me procedurally proper validation of the debt ( s ) or personal information. A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ). 

I have been and continue to be 100 % willing to work with the credit agencies and authorities to resolve this matter as soon as possible.