23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Comenity called my cell phone & husband 's cell phone on XX/XX/2020, @ XXXX XXXX. asking for a person who is not me. Imperative that I call them back today. 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. (  same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 # XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 

As you can see, Comenity Bank calls my phone and my husband 's phone several times a day sometimes. They ask for a XXXX XXXX, XXXX XXXX, or XXXX XXXX, none of which are me. I have sent the Company an email and asked them to CEASE and DESIST with no results. I told them I was going to file a Complaint and if they did not stop calling our phones, I would file a harassment suit against them. Comenity is calling on behalf of VS-XXXX  and XXXX XXXX. I used to have a VS XXXX XXXX, but no longer do. I disputed a reporting on my credit report against them, and it was removed. I have never had, nor ever been, inside of a XXXX XXXX, nor had a credit card for them. 

This nonsense needs to stop. It is very aggravating and annoying. I have not returned one of their calls and the harassment just keeps getting worse. My husband has never had an account with either of these companies either. Please help keep this company under control from harassing phone calls, especially when I am not the person they are looking for or trying to scam. 

Thank you in advance for any help you can provide.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Vehicle loan or lease

I paid registration fees for my vehicle in XXXX of XXXX .In XXXX of XXXX I refinanced my vehicle through Consumer Portfolio Service. Upon doing so I wanted to remove a Co-signer from the title. I was told by CPS that this would be an easy process and they would handle everything through the DMV. In XXXX of XXXX my vehicle was towed away from my residence and impounded due to lack of registration. I was then forced to pay {$600.00} to get my vehicle out of impound and when I contacted DMV to find out why it was impounded they stated No registration. Upon DMVs investigation they discovered that the process CPS was using to change my title put a pause on my registration for XXXX from finalizing and that also they wouldnt be able to issue my registration for XXXX until this matter was resolved. I then reached out to CPS in XXXX to find out what was going on and they informed me that theyd contracted a third party company to handle the title and to contact them, which I did. The third party company is was no help so I reached back out to CPS and asked for assistance with this matter. I informed CPS that not only was I unable to drive my car Ive been paying for but now I could not as much as park it at my residence because it would get towed again. So I was forced to seek out a storage facility in which my car has been sitting at for 3 months now. It is now XXXX and I pay {$300.00} per month to store my car so Ive incurred an additional {$900.00} in storage fees on top of {$600.00} impound charge. CPS lack of professionalism has caused me to lose over {$1500.00} all while still paying my car note and continues to seek payment instead of addressing my concerns. This matter has gone on over a year and quite frankly it feels predatory
Product: Debt collection

I contacted XXXX XXXX to report a debt that that was opened while I was a minor in XX/XX/2006. I explained to them that I do not recall ever having this debt and to send me information about the debt. They stated that they would not send me information about the debt and that I would have to fill out a police report.
Product: Money transfer, virtual currency, or money service

First time in XXXX years to be scamed. Was scamed on XX/XX/2023. Reported to Chase Bank evening of XX/XX/2023. 
Scamed to send money via XXXX. XXXX is offered via my Chase accounts to send money online. 

I was selling a desk as well as some XXXX on XXXX. XXXX called on XX/XX/2023 asking if I received money for desk. No, I did not receive so he said to send money back to buyer and then I would be credited back. 

Chase Bank said they tried to get money back from XXXX but it was too late. I called several different times and Chase created different claim numbers each time. 
Total amount is {$1000.00} I lost. 
XX/XX/2023 - {$250.00} to XXXX XXXX XX/XX/2023 - {$250.00} to XXXX XX/XX/2023 - {$250.00} to XXXX XX/XX/2023 - {$250.00} to XXXX XX/XX/2023 - {$50.00} to XXXX Chase Case ID # : XXXX XXXX XXXX XXXX Long time customer of Chase Bank ( XXXX years ) and they tell me they can't reimburse me. There is no phone number to call Chase except all numbers are Call Centers and they did not care.
Product: Mortgage

Dear Sir or Madam, I am hereby submitting a complaint to Citizens One Home Loans and their escrow waiver fee policy. For the past three months, I 've been trying to cancel and waiver my escrow service with Citizens One Home Loans. However, before I am able to do so, I must pay Citizens One an escrow waiver fee of approximately {$960.00} in order to cancel my escrow service. 

In review of my signed documents ( the good faith estimate and truth in lending documents ), there is no mention of an escrow waiver fee and this was further confirmed by Citizens One 's own review. In addition, no mention of an escrow waiver fee was informed to me by my loan officer at any point of the mortgage process, either in person, phone or by email. 

Despite of all this, Citizens One Home Loans insists that I pay an escrow waiver fee in order to cancel my escrow service. As a result, I am submitting this complaint that Citizens One is unfairly demanding a fee for which I had prior knowledge of and/or accepted as part my mortgage loan agreement/contract.
Product: Debt collection

This collection agency XXXX XXXX said they are representing penfed. I never received any information that my account went to collection but I got a visit from the deputy sheriff saying I was being summoned to appear in court and I never heard of XXXX XXXX nor did I receive any phone calls or letters prior to that happening. I asked for validation of this account and the other items that I requested for validation and all they sent me was a payment history the 2 times I requested the other information 1099 OID 1096 tax form etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number XXXX Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Paid in settlement. 
Status Updated XX/XX/XXXX Balance I t look as tho XXXX has resolved their debt and need to be off my credit report.
Product: Checking or savings account

On XX/XX/2022, I noticed an unauthorized transaction for the amount of {$210.00} from an unknown company labeled as XXXX XXXX XXXX XXXX. I called my bank right away to notify them the transaction was unauthorized by an unknown company. The Bank replied that my account must be charged for them to be able to file a fraudulent claim with XXXX company and even though the transaction shows as pending the Bank can not reject or deny the claim. So the Bank does not care this is the first time something like this happens ; they treated me as if I am constantly reporting unauthorized transactions or as if I am lying about the unauthorized transaction.
Product: Debt collection

I recently received an alert that a collection was added to my XXXX, XXXX, and XXXX credit report. The report showed a collection from XXXX XXXX XXXX XXXX, stating that I opened an account with XXXX on XXXX XXXX, XXXX, and owed a balance of {$660.00}. I contacted the collection agency and told them that I 've never had a XXXX account and that I do n't owe them {$660.00}. I also asked them to provide me with proof of a written contract stating that I opened a XXXX account on XXXX XXXX, XXXX, and they refused to provide me with such documents. I also called XXXX, XXXX, and XXXX to dispute the collection and the collection was removed from XXXX, but not XXXX and XXXX. Please have this collection removed from my credit report because it is making a very negative impact on my credit.
Product: Credit reporting

I SUBMITTED TO EXPERIAN CREDIT REPORTING AGENCY A STATEMENT THAT I WANTED TO APPEAR ON MY CREDIT REPORT AND OF THIS DAY XX/XX/2017, THIS STATEMENT HAS NOT BEEN ADDED.
Product: Debt collection

The alleged debt has been disputed and company still attempts to collect alleged debt which is in violation of 15 U.S. Code 1692g ( b ). 

According to 15 USC 1692g- validation of debts ( a ) Notice of debt ; contents ( a ) ( 1 ), ( a ) ( 2 ), ( a ) ( 3 ), ( a ) ( 4 ), ( a ) ( 5 ) said company is in violation of consumer rights. C.B.A. has no proof of sending any written notice pertaining to collection of alleged debt. C.B.A also has zero proof of any contract entered into by me and said company. C.B.A also never sent original creditor information. 

According to 15 U.S.C.1692f- Unfair Practices- ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

I have not authorized ANY agreement with Credit Bureau Associates. 
Credit Bureau Associates is in violation of federally protected consumer rights.

Credit Bureau Associates is also in violation of 1692e ( 2 ) ( A ) by furnishing a false representation of the character, amount or legal status of any debt.

15 U.S. Code 1692e ( 2 ) ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

Under 15 U.S code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I have NEVER given C.B.A ANY consent, written or otherwise, instructions or permission to furnish any information on my credit report. 

in violation of 15 U.S. Code 1692d ( 1 ) All actions taken by the company are injurious to my life and credit report by reporting inaccurate, false information. the information being provided to consumer reporting agencies is damaging to my reputation and is defamation of my character preventing me from getting credit. 

Reporting Medical information on my consumer credit report is also a violation of my individual privacy.
Product: Credit reporting or other personal consumer reports

BRIDGECREST has been sharing my personal information with the credit reporting agency who are unaffiliated 3rd party without providing me with the required disclosures. They have also refused to respond to any of my correspondences. Also the account they are illegally reporting is in charged off status, as you know accordingly with the IRS a charge off status is income. Income can not be report on a consumer report. On my consumer report, BRIDGECREST is reporting my personal information which is illegal under the Privacy Act of 1974. Pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, BRIDGECREST is illegally reporting my information to unaffiliated 3rd parties.. I have checked all documents they gave me and none of these documents contained any of the required disclosures. Per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization that I as the consumer may have given you, written, unwritten, verbal and nonverbal per 15 usc 6802.
Product: Vehicle loan or lease

Two separate issues. 
# 1.With American Honda.. I co signed on my daughter 's loan. They had incorrect info on her loan of 2 late payments. Honda had her info removed from her report after discovering it was an error. But XXXX and other two C. U. failed to remove her incorrect info from my report. # 2.Returned leased XXXX to XXXX dealership XX/XX/17 in perfect condition to GM at XXXX XXXX XXXX, in XXXX. We asked if we owed anything else as per our agreement. GM stated NO. We looked for another vehicle on their lot to purchase, had a new salesman who left us on lot, stating he was too hot. We went in and tried to tell XXXX XXXX ( OWNER ), what happened as we had no ride home. He told his GM to tell us he was too busy and ignored us. We called dealership across the freeway, XXXX dealership and they picked us up and we bought a car from them that night. My perfect XXXX credit score was ruined when XXXX reported me to all Credit Union 's, due to not purchasing from them.We TRIED to. I talked to Owner XXXX XXXX '' s assistant, XXXX XXXX,XXXX, explained what happened, she apologized and promised she would have it removed.She never returned calls nor removed.Credit score took HUGE hit. I have never missed or made late payment in over 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect info on my credit report. I do not know of this info it does n't belong to me These are the itmes that do not belong to me XXXX XXXX {$5400.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$590.00} XXXX {$140.00} XXXX XXXX XXXX
Product: Consumer Loan

Made all payments and was supposed to be removed from credit history on XXXX
Product: Debt collection

I bought a massage chair from the XXXX XXXX XXXX in XX/XX/2019. I was approved for their financing with XXXX XXXX of {$4000.00}. I purchased the chair and it was to be delivered to my home within 10 days. When it was delivered it was damaged and they took it back. They had to order another from the warehouse. I then cancelled the order and told them I no longer wanted it. They still brought another one even after telling them I no longer wanted it. So when they brought the second chair I had them take it back. I do not have the item- it was returned and I would like it removed from my credit from all parties that have been involved. I believe the account has been sold several different times. I have reached out to all parties on many occasions with no results. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX Balance : {$2100.00}, XXXX XXXX XXXX Balance : {$9300.00}, XXXX XXXX XXXX  XXXX Balance : {$8200.00}, XXXX XXXX  XXXX XXXX XXXX {$8500.00}, XXXX XXXX XXXX Balance : {$230.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/2020 Amount : {$180.00} Action Taken : Sent FTC Fraud identity theft report to investigate
Product: Debt collection

I had a credit card debt for XXXX XXXXSynchrony Bank XXXX In XX/XX/XXXX I was contacted by XXXX XXXX XXXX and I sent them a payment and settled by debt. I received a paid in full letter. Since then, I have received 4 more additional contacts from creditors. Today, XX/XX/XXXX I was served by a sheriff for a complaint. I have contacted the offices of XXXX XXXX XXXX, XXXX to notify them that I have paid my debt and provided a letter. I gave this letter to the other 3 companies and they said that they would see that this matter is settled. 
I had only one ( 1 ) account with XXXX XXXX and I am not sure how to resolve this.
Product: Debt collection

I am filing a complaint regarding a debt collection issue with Source Receivables Management. The issue pertains to a purported debt related to my previous residence at the XXXX XXXX XXXX apartment building in XXXX, which was managed by XXXX XXXX XXXX a nationwide corporate landlord. 

Dates and Actions : Move-Out : I moved out of the XXXX apartment building on XX/XX/XXXX. 
Communication with XXXX : Prior to my move-out, I was in communication with XXXX XXXX , the Community Manager at XXXX. On XX/XX/XXXX, XXXX confirmed in writing via email that no further debt was owed by me. She responded to my query, " Just confirming that this means nothing more is owed? That seems to be the implication but want to make sure, '' with, " Hi XXXX, You are correct! Thank you. '' Debt Collection : Despite this confirmation, I was later contacted by a debt collection agency claiming I owed {$4000.00}. When I explained the situation and provided the email from XXXX, the previous debt collectors acknowledged my position and ceased their collection efforts. 
Credit Report Disputes : I successfully disputed the debt with XXXX and XXXX, and the debt was removed from my credit reports based on the evidence provided. 
Current Issue : Recently, I received a letter from Source Receivables Management regarding the same debt. I contacted them on XX/XX/XXXX, to explain the situation and provided the same documentation. Despite this, they have continued to pursue the debt. 

Additional Facts : XXXX XXXX, as the Community Manager, had both apparent and likely actual authority over move-out procedures and financial matters. She managed the front desk, sent me the ledger of my bills, and was my only point of contact with XXXX throughout my stay and during my move-out. 
The move-out process was hectic, with various fees and penalties being discussed and later waived by XXXX. XXXX 's confirmation that no further debt was owed was relied upon by me to my detriment. 
XXXX 's email discharged the debt under Illinois law, given her status as an agent of the corporation and the fact that I relied upon her promise to my detriment.

Actions Taken by Me : Provided the written confirmation from XXXX XXXX to both the previous and current debt collectors.

Successfully disputed the debt with XXXX and XXXX. 
Attempted to resolve the issue directly with Source Receivables Management via phone call on XX/XX/XXXX, explaining the situation and providing documentation. 

Despite my efforts, Source Receivables Management continues to pursue this invalid debt, causing significant stress and potential damage to my financial standing. 

I request that the CFPB investigate this matter and assist in resolving this ongoing issue with Source Receivables Management, ensuring that the erroneous debt is permanently removed and that I am no longer contacted regarding this matter. 

Thank you for your attention to this issue.
Product: Debt collection

I have been receiving calls on my cell phone from Delta Management Associates. I have spoken to two different representatives. They are trying to collect a student loan for a XXXX XXXX College, which I never attended. I assume they are calling because I have the same name as the person who owes the debt. The first representative confirmed it was not my debt by my date of birth. The second wanted my social security number also, which I refused. They continue to call me almost daily. They call from what appears to be a local number, but the callback number is XXXX ext XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in fraudulent accounts being added to my credit report. I am requesting that the following accounts be blocked and deleted from my credit file under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
XXXX Accounts : XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX Account XXXX. XXXX XXXX. XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX, XXXX Account XXXX. XXXX
Product: Debt collection

On XX/XX/2023, I mailed CKS Prime Investments a certified letter ( USPS Tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), which they received on XX/XX/2023. Despite sending a certified letter, they have not responded or provided the requested validation. 

On XX/XX/2023, I mailed them another certified letter ( USPS Tracking number : XXXX ) ; which they also received on XX/XX/2023 asking for the immediate closure of the disputed collection account and the cessation of its reporting to the credit bureaus within 15 days since they failed to address it within the first 30 days.. They proceeded to update the account with the credit reporting agencies YET they still did not acknowledge my letter sent to them.
Product: Credit reporting or other personal consumer reports

I requested that XXXX, TransUnion, and XXXX reinvestigate the following accounts : XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, and XXXX  XXXX XXXX original creditor : XXXX XXXX XXXX # 1904. 

However, they have stated that the information is complete and accurate. I disagree, as the open date, date of last activity, and other information is incorrect. According to 15 USC 1681 ( 5 ), consumer reporting agencies are required to modify accounts that are not reporting correctly. 

I have also included the following sections of the Fair Credit Reporting Act ( FCRA ) in your rewording : 15 U.S.C. 1681 section 602 A. This section states that you have the right to privacy, including the right to have accurate information in your credit report.

15 U.S.C. 1681 Section 604 A Section 2. This section states that a consumer reporting agency can not furnish a credit report without your written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section. This section states that a consumer reporting agency can not make a consumer report containing any information that is more than seven years old, with some exceptions.