23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have already reported this to the XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX Georgia Office ( Case Number : XXXX ) towards XXXX XXXX XXXX XXXX. This is a business scam and I want this completely taken off of my records. 

I was promised by 4 different live chat customer service agents of XXXX XXXX XXXX that when my equipment was returned that I would receive a credit back on my account for {$1000.00}. This would bring my balance to {$0.00}. I had successfully returned the equipment and after A YEAR of patiently waiting for my credit ti is still going through collection agencies. This is unacceptable and feels like a complete scam. Now no one at the company can give me any response now and I am getting the runaround. I have been transferred from department to department and hung up on. 

I would appreciate your assists on this as I feel that since I canceled my service with XXXX XXXX XXXX this is their way of retaliating back. I was a great customer for many years and would appreciate them doing business the right way and not scam their loyal customers.
Product: Credit card

On XXXX/XXXX/2015 Chase credit cards attempted to execute an automatic payment against my checking account. The automatic payment was rejected because I made a mistake. I noticed this after a periodic visit to the website. I did not receive an email, I did not receive a message in their " secure online message center ''. I was assessed a late charge and interest. My credit card was suspended. 

I immediately called Chase and they said they only send USPS for this type of matter. WHERE IS THIS DISCLOSED? I sign up for automatic payment, electronic billing, txt and email alerts but rather than using any of these means to communicate they send snail mail risking huge penalties and impact on my stellar credit score. And why in the heck did they not do a test transaction on the routing number/account number BEFORE the due date. 

There is clearly a gap in the regulations if they can claim to have all this paperless billing and electronic billing but use usps mail for this XXXX special case. Even if they were concern about security, they could have sent a email asking me to call to address a matter just as they do when there is an unusual charge that triggers a security concern. 

The CFPB needs to investigate whether this is a unique problem to me, whether they are taking advantage, or whether they are being deceptive regarding their use of electronic/paperless billing. 

Thanks you, PS : The agent refunded my late fee and interest as a courtesy but most likely because I charge a significant amount every year on their cards. That should not let them off the hook. I want nothing but a change a policy.
Product: Debt collection

True accord wont stop harassing me for a balance I had with XXXX. XXXX sent my balance of {$140.00} to collections with true accord without my knowledge I had a payment due. I paid it off awhile ago and true accord is still harassing me and I can not get them to stop. I paid XXXX  {$140.00} and have no balance due. I should not be harassed anymore. They need to fix my credit if they messed with it. I will attach a photo of my {$0.00} balance due with XXXX  and the harassing emails Im getting from true accord.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, this creditor has violated my right. Under 15 U.S.C 1681 Section 602 states, i have the right to privacy.15.U.S.C 1681 section 604A section2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 16668B ''A creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. Citizens Home One Loan, XX/XX/2022. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachment Equifax is showing late payments for XXXX, XXXX and XXXX when this account was closed over 7 years ago. Why are they showing late payments on an account that is paid in full and has been closed way before this time.
Product: Mortgage

I had just bought a house back in XXXX 2015 my mortgage is with XXXX XXXX Co. I was contacted by a Co. called National Bi-weekly Adminstration and was told that their co. was a part of XXXX XXXX and that they could save my thousands on interest payments by making bi-weekly payments my house, payments are due on the first of every month, now they deduct half of the payment every two weeks and the other towards the end of the month but they do n't make the actual payment until sometimes on the XXXX of the month that the payment is due I have been trying to contact this company for the last 2 months to cancel the automatic deductions because they are destroying my credit that has taken me years to build and all I get are recordings and never able to talk to a live person I came across the complaint that was filed against this company and that is why I am trying to contact you today could you PLEASE help me with this I am not sure what to do at this point, because they keep deducting money from my account, I am in the process of alerting my bank to have them stop the deductions at this time, but that process has not been put through yet, this company lied to me about everything its a shame that companies like this cheat honest hard working people again can you PLEASE help me. Thank You Very Much!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$40000.00} ; XXXX XXXX XXXX XXXX Balance : {$40000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct this account : XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX i have been attempting to by a house for over a year and ive noticed unauthorized unverified damages on my credit report 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items below IMMEDIATELY!!! 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX {$2.00}. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VOLATION!! 
Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

It is illegal in the United States for a credit bureau to charge for a credit freeze, so Experian makes it almost impossible to place a security freeze on one 's personal credit report. An answer to the attached letter of XX/XX/2019 ( Exhibit A ) would be appreciated. Exhibit B was an attempt to get an answer on line. I have never had a problem with any other credit bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I 'm a victim of a bank fraud scam. I applied for a " loan '' from someone who pretended to be XXXX XXXX. That 's whom I 'm guessing took my information. They had all my information to begin with and were putting fake checks into my account. They deposited four checks and only two was cleared. Someone made " debit card '' purchases for the same amount of {$640.00}. I did not make those transaction even though I had my card on me. Chase restricted my account and took my paycheck as well because they felt I had something to do with this. They did n't do a proper investigation. They ignored that my account was accessed by 7 different devices! 

They believed that I deposited those checks and did those transactions. They treated me so bad through this whole thing. They forged my signature as well! I even put a complaint with FTC and they still believed that I had something to do with this. Why would I go and place complaints if I had something to do with it. They refused my claims twice!! I was even told my the representative in the branch that I went to for help say.. I quote this that they technically saying I 'm at fault and it 's negligent on my part. So Chase is saying this is something I asked for!! That applying for loans to help pay my bills was my fault!! How dare they! They are disgusting! They are trying to make me pay {$740.00}!! Something I did n't do.
Product: Debt collection

On XX/XX/2016 by Certified mail Southwest Credit Systems, LP ( hereinafter SCS ) was notified that I am disputing that I owe them {$100.00}. As I 'm sure you know they are required by law to validate this alleged debt. They were also noticed that SCS is required by law to mark it disputed within 30 days from delivery of that notice. SCS did not respond to this letter nor did they mark my Credit Reports as " disputed '' within the 30 time period. 

On XXXX/XXXX/2016 by Certified Mail SCS received a second good faith attempt to correct their Administrative blunder advising them that they had failed to validate and failed to mark the alleged debt " disputed '' with the Reporting Agencies. 

On or about XXXX/XXXX/2016 I received a letter from SCS with what appears to be some type of accounting and or statements. Statements or accounting reports DO NOT meet law requirements to validate. Validation, by law, is something with my signature where I would be under some legal or contractual obligation to pay SCS. 

On XXXX/XXXX/2016 I responded to SCS via Certified Mail advising them that they " FAILED '' to validate, SCS also FAILED to mark my Credit Report as disputed and gave notification that because I have exhausted my administrative remedy in this matter that I would be filing a Law Suit against SCS. 

I have kept impeccable records ; I currently have admissible evidence to both ; Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ) violations. 
I currently have over {$3000.00} in violations. 

I will be filing a case in Small Claims Court against SCS on or about XX/XX/XXXX and have retained a local Attorney to argue my case. 

Keep in mind this alleged debt is {$100.00} and I have already invested over {$1100.00} to resolve it. 

I did find comfort in my Legal Council advising me that if he did n't WIN I did not have to pay him, he claims it is a slam-dunk AND after checking on other similar cases he will be suing for {$10000.00} which is what Small Claims Courts in XXXX Carolina allow. 

SCS was also advised that once the case has been filed I will no longer communicate or negotiate with them. 

I am reporting this to the Bureau of Consumer Financial Protection as I believe I am duty bound to notify. 

THANK YOU!! 

Respectively, XXXX XXXX
Product: Debt collection

Heres the text they sent me : XXXX XXXX Hello, this is XXXX XXXX with the pre-legal investigative services. I am contacting you regarding a civil complaint which is currently in motion to be filed against you in the County Municipal Court. The plaintiff claims to process enough information to find you liable for the case. I wanted to speak with you directly to get a statement before moving forward with the process of verifying your employers current information and location. I will be available today until XXXX. Any further questions please feel free to reach out to your advisor XXXX XXXX XXXX at XXXX. XXXX They also called and text my family members.. 
They threatened to garnish my wages as well.. they try to get my debit information .. the company XXXX is there name
Product: Credit reporting or other personal consumer reports

all my student loans were transferred from aidvantage to XXXX in XXXX aidvantage is still reporting a balance of {$34000.00}. all my credit reports show now that i have a balance of XXXX when in reality my current balance is of {$33000.00}. this is affecting my credit score tremendously. please correct my balance info
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit  Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

FOR THE PAST YEAR I HAVE SENT MULTIPLE LETTERS AND DISPUTES TO ALL THREE CREDIT BUREAUS BECAUSE I AM A VICTIM OF IDENTITY THEFT. I HAVE SENT OVER XXXX DISPUTE LETTERS TO EACH BUREAU OVER A 1 YEAR PERIOD INCLUDING MY POLICE REPORTS PROVING I AM INDEED A VICTIM OF IDENTITY THEFT. THIS GO COMPLETELY AGAINST MY CONSUMER RIGHTS AND I NEED THESE THREE CREDIT BUREAUS TO DELETE THESE FRAUDULENT ITEMS. 

I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the account from my credit report immediately!
Product: Credit reporting or other personal consumer reports

This message serves as a follow-up to my initial complaint dated XX/XX/XXXX. I am submitting to bring to your attention the issue of erroneous reporting that I have experienced. Attached, you will find my identity theft report. As per FCRA Section 605B, Credit Reporting Agencies are obligated to remove any items mentioned in an identity theft report, with reference number XXXX. The enclosed documents should assist in correcting the inaccurate personal details and inquiries on my report. The following items were fraudulently opened without my consent : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -EQUIFAX : XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), these items must be removed from a consumer 's file within 4 business days upon receipt of the identity theft report.
Product: Credit reporting or other personal consumer reports

This is my third complaint this month!! And it is unacceptable that these FRAUDULENT account are still allowed to remain on my credit report > it has been over 30 days since the last investigation and they have started a new investigation without even sending information about last the last couple reports on investigation. They keep telling you guys that there still working on it when in all honesty there time has passed for them to continue to prolong deleting this information off of my credit report!!!!!!!!!!! It's been OVER 30 DAYS so continuing to furnish this information on my credit report is already in violation, so something needs to be done Immediately. 

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

I XXXX XXXX is writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows that on XXXX XXXX a credit inquiry that I did not authorize is listed. I only authorize XXXX XXXX to run my credit for XXXX XXXX and they also ran my credit for multiple lending companies. I would like for that inquiry to be remove from my credit report. 


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

In accordance with the Fair Credit Reporting Act XXXX 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 without my written instructions.
Product: Credit card or prepaid card

Equifax said my information was breached in their security breach
Product: Student loan

Great Lakes Education loan transferred my student lone to XXXX. However, XXXX states the balance is over {$12000.00} even after I have made payments to Great Lakes. I have contacted XXXX on more than one occasion about the amount they are reporting on my credit report and trying to collect from me. The amount of over {$12000.00} is incorrect. They received two loans from Great Lakes Education loan services in XX/XX/2018. At that point I have already made payments of XXXX ( {$1600.00} to collection fees, {$270.00} to interest and {$9900.00} to principal ). Every time I call, they ( XXXX ) states there's nothing they can do to call Great Lakes. I call Great Lakes they tell me to call XXXX. However, I did receive a detailed payment history from Great Lakes ( the original collection agency ). When I spoke with someone at XXXX ( multiple times ) and told them that I had it and could send it over they ( XXXX ) still stated to call Great Lakes, who told me call XXXX again. Not only is XXXX trying to collect an inaccurate amount but also, they are charging interest rates to an extremely higher than accurate amount This is stressful and damaging to my credit report and worthiness. I am unable to get a home loan for my family we desperately need or even a bigger vehicle since my family has double with the birth of my XXXX. I am aware the one or  both companies or in violation of " The Fair Credit Reporting Act " and " The Fair Debt Collection Practices Act ". I am feeling trapped and needs help.
Product: Credit reporting or other personal consumer reports

I sent letters out in XXXX 2023, XXXX 2023, and sent more letters to the credit bureaus on XX/XX/2023 I am contacting you because of a on going problem with inaccurate information reporting to my credit report and its putting me in financial harm! I filed complaints with yall also and nothing happen, I am demanding these items be removed from my credit report ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

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

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission. Cc State Regulatory Agency.