23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

T-mobile, working with Amsher Collections harmed my credit score substantially by prematurely reporting a debt to all three credit bureaus without proper notification on a closed, paid in full account. I have not received any correspondence from either XXXX or Amsher. My first notification of any amount due was an alert from my credit monitoring service. 

Upon further investigation it appears to be standard operating procedure for these two entities to act in this manner, which may be a violation of the Fair Credit Reporting Act. There are multiple complaints online of similar behavior from these companies which appears to be retaliation for dropping them as a wireless carrier. 

I called XXXX yesterday, and they refused to speak to me stating that they could not verify my identity because I didnt have some PIN code they wanted. I do not recall ever having a PIN code and when I requested that they verify me by some other means, they refused. 

I called Amsher today, and was repeatedly placed on hold for long periods, hung up on more than once, yelled at and then threatened with a ludicrous accusation that I made a false statement. This company should be investigated for their unethical business practices.
Product: Credit card

Synchrony Bank created XXXX account numbers reporting negative information to credit bureaus XXXX, XXXX and XXXX. I only had XXXX account with them. However, they opened XXXX account numbers as if I had XXXX with them creating double billing which is affecting all of my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX conducted a credit inquiry on my credit without my knowledge or authorization on XX/XX/2022. I have filed an Identity Theft report on with Federal Trade Commission and I will attach a copy of the report as such. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my credit reports that i did not authorize. I am a victim of identity theft. I have attached a copy of my police report. I ask that these be removed from my credit report immediately. 
The inquires that i did not authorize are : XXXX XXXX XX/XX/2022, XXXX XXXX DELAWARE XX/XX/2022, XXXX XXXX XXXX XX/XX/2022.
Product: Payday loan

I got a payday loan from this company, I can not afford to pay back right now and they are sending emails that they are going to arrest me and that I am going to jail. they are also stating that they are going to contact my employer, which I do not want them to do because I can get fired for receiving calls like that.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX - 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This is a complaint about Jared Jewelry. I previously had a payment plan that was stopped for unknown reasons to me. Some time has gone by and I started receiving numerous calls to my cell and work numbers. I advised them not to call my work number and what times I could be reached on my cell. They havent tried calling my cell during the times I indicated and have continued to call my work number even asking to speak to my supervisor.
Product: Debt collection

I checked my credit report and noticed a new fraudulent account. Transunion and XXXX are not on the same page about the name of the account and are not reporting factually. This is a violation of 15 US Code 1681b ( 2 ). Credit Reporting Agencies are required to use fairness and accuracy in their reporting methods. I have filed an Identity Theft Report and attached it below. remove the account please. Account : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a letter was sent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX requesting a hard inquiry be removed from my credit file. Inaddition, the same inquiry was disputed with Equifax ( credit agency ). XX/XX/XXXX a response letter was received from XXXX XXXX XXXX ( Credit Bureau Specialist ) requesting additional information ( i.e. Credit Reporting Agency Name, Social Security Number, and Specific Inquiry Date ). XX/XX/XXXX a follow-up letter was received by Specialist XXXX stating the inquiry was valid. Neither XXXX nor Equifax have provided any proof of validation from their investigations. XX/XX/XXXX, I contacted XXXX XXXX by phone and spoke with a supervisor and a different Credit Specialist who stated no records of this inquiry was on file. However, my current credit file shows different. I 'm request the removal of the specific inquiry from my credit file.
Product: Student loan

**update** I am aware I have already written one complaint, but felt compelled to follow up. I am in DESPERATE need of the {$3900.00} that I have requested refund for. Times are hard.. Inflation is the highest it has been in decades.. I just graduated college and started a job.. I am seeking a place to live.. All the while, I have {$3900.00} that I have applied for and been accepted to receive as a refund. I worked hard to pay this money in XXXX, XXXX ( I have receipts ) but my life has changed.. My finances have changed.. But the money is still in limbo.. I was told on XX/XX/2022 that my refund would arrive in 60-90 days, but any time I call, I get a vague answer and my account balance is NOT updated to reflect my refund.. I desperately need the money and I am pleading for someone to please help expediate the process.. Times are hard.
Product: Debt collection

This complaint is about GC Services ( XXXX XXXX ). I owed the XXXX XXXX XXXX XXXX XXXX based on 2 civil assessment fees and a XXXX XXXX  ticket ( civil assessment fees were added due to the courts receiving the corrected violation late, but they had received my payment of {$25.00} ), for citation # XXXX. I explained to the debt collection agency that my debt had been resolved, due to the passing of XXXX XXXX, which removes all civil assessment fees prior to XX/XX/XXXX. After hearing of XXXX being passed, I contacted the XXXX traffic court in early XX/XX/XXXX, to confirm of the debt removal and they have confirmed no debt was owed. Today, XX/XX/XXXX @ XXXX, I was contacted by GC Services regarding the debt of {$620.00}, where I was told I still have a collection against me for the {$620.00}, after i explained the situation, they reviewed my debt and rejected my request for review. Shortly after receiving their call, i decided to call XXXX traffic court again today at XXXX, which resulted in the court once again letting me know that i have no outstanding debts and have not had debt since XX/XX/XXXX, so the citation was considered paid and closed. At XXXX i called GC services back to report what i had been told by the court and they refused to close the collection. This company is calling me attempting to collect money which has already been paid/removed from my debt due to bill XXXX and the XXXX courts XXXX I have no debt to be collected. Once again, they are trying to collect money that has already been paid and refuse to close my collection. If i had paid them, I probably would not have gotten my money back and if the courts already deem it as paid, how can they legally collect that money from me. If i hadn't paid attention and done my research i'd be out {$620.00}. GC Services needs to be looked into to make sure they aren't collection on paid debts for people all across the country, which would be considered Fraudulent Activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)

ACCOUNTXXXX
Product: Credit card

I order and bed setting on XX/XX/year> total is XXXX. It delivered on XX/XX/year>. I note delivery at front door but they delivered my package at trash area behind trash bin. Trash company come to collect trash at same day and collect the package as garbage too. I contact bank but they denied my claim because they said it delivered to correct address. But they didnt follow delivery instruction and how to delivery a package at trash area and never ring doorbell or knock door. Please help. Thank you so much
Product: Mortgage

Rocket Mortgage by Quicken Loans denied my loan application because of stated reason that I was ineligible for a loan. The date of this correspondence was XX/XX/2019. This reason sounded strange to me because my FICO score is over 800. When I complained to Quicken loans Client Relations department, I was sent an email on XX/XX/2019 stating that they are unable to provide me with a pre-approval letter because I did not provide my realtor 's email address. The correspondence went on to state that Quicken loans " ... need realtor information in order to move forward with a purchase approval, to ensure that we have strong communication with all parties involved and provide a smooth experience. ''
Product: Debt collection

Today, XX/XX/XXXX I called a collection agency to make a payment arrangement for my debt. I was told I would have to pay the debt in full. I asked why is that & the agent responded by saying because its been too long. I said well it has been 5 years, but I want to make a arrangement before the account closes. The agent responds, no maam we will continue to update the credit bureaus. I then asked to be with a supervisor. I was told this is not a supervisor matter, why do I want to speak to a supervisor. I explained I did not understand because it has been too long. She refuses & I asked again calmly. The agent started yelling at me, saying she will put in the system she has updated me on the information and told me to have a good day and she hung up on me. Within a few minutes later, I am being called and hung up on from different numbers. I do not appreciate being harassed & yelled at for trying to pay off a debt.
Product: Credit card

I am writing to formally demand the immediate removal of an inaccurately reported charge-off from my consumer credit report, which you have furnished to the credit reporting agencies. This erroneous information has severely damaged my personal and financial reputation, adversely affecting my ability to secure credit for personal and housing purposes. 
Violation of Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), as a furnisher of information, you are legally obligated to provide accurate information to consumer reporting agencies. It is unlawful to report information that you know or have reasonable cause to believe is inaccurate. The continued reporting of this charge-off, despite its inaccuracy, constitutes a clear violation of federal law. 
Misrepresentation of Debt as Income : According to the Internal Revenue Service ( IRS ), canceled or forgiven debt is considered taxable income and should be reported as such on tax returns. This is typically documented through Form 1099-C. Income, however, is not to be reported on consumer credit reports. By inaccurately reporting this canceled debt as a charge-off on my credit report, you are misrepresenting income as outstanding debt, which is both misleading and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) plus days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

I have an amount of {$540.00} owed to a credit union bank, which was my job bank card for direct deposits, the total amount was around {$350.00} that was owed to the bank that I was unaware of. It was sent to collections, XXXX I agreed to make {$50.00} installments monthly to Professional credit services, with the promise of agreed to pay, and deleting the collections off my credit report, my credit has been updgraded 5 months after, and I have called seeing a balance of {$300.00} left on there and it still shows my amount is {$540.00} and not paid.
Product: Debt collection

I received a letter with my correct name and address regarding a " company payroll check # XXXX in the amount {$12000.00} '' that was returned unpaid. This is a check paid to a supermarket ( XXXX XXXX XXXX in XXXX, CA ) that I have not been to regarding use of cheques which I haven't done in years and finally it is for a spectacular total for groceries for a family of XXXX. And it's for a " company payroll check. '' I have no business, nor employees. 

I have listed Certegy as the origin of the " debt. '' It does appear that XXXX uses Certegy but I have not used XXXX at that location or very much in person in the past year and I haven't used a cheque in ages, much less a " company payroll check. '' The two companies involved are both disreputable and may be intertwined in some way. They are the so-called client and now owner of " my '' fictitious check - Certegy Payment Solutions , LLC and the " collectors '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL ( surprise! ) XXXX at XXXX with claims accounting address in XXXX, FL. They seem to be " legit '' companies engaged in scams.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified a fraudulent account listed under my name. This inaccuracy is negatively affecting my ability to obtain credit. Please remove this account from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted a dispute 5 times to the credit bureaus. They have a company XXXX XXXX showing a late payment for XX/XX/XXXX & XX/XX/XXXX. Ive submitted the dispute in the mail twice with a letter from the company showing it was never paid late. I submitted a dispute twice online. I also faxed in my dispute. Each dispute was denied even though I submitted documentation from XXXX XXXX showing the account was never paid late and the credit bureau still wont remove the late payments. This is preventing me from buying a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a major data breach, and my spouse receiving four debit cards in the mail from various online banks, I tried to place a security freeze at Clarity Services , Inc. We each already had security freezes in place at the XXXX  major credit reporting bureaus and XXXX . It was not difficult to place the freezes at any of these agencies. The Clarity Services website allows for an online request but it always returns an error and demands that I mail or fax them a copy of my social security card and driver 's license. I also tried to place the freeze by phone and had the same result. Given that none of my information has changed in at least XXXX  years, and that I had no problem at the other agencies, I am very suspicious and angry about having to do something so risky with my sensitive documents. This is triply true after I XXXX  Clarity Services and see that they have been fined in the past for doing very shady things with people 's data. I imagine that if I fax or mail them all my documents, they will take that information and sell it on the dark web. This is obviously a shady company and they have made me a XXXX by refusing to put a credit freeze on my account because either their system is terrible or they want my documents for nefarious purposes. We're trapped!
Product: Debt collection

I am the XXXX  of a XXXX that is in dispute of charges from a repair company. I was contacted by RAB ( Regional Adjustment Bureau ) and informed that they would be collecting the debt. I informed them that I was in dispute of the amount of the debt, but I agreed to pay part of the debt as full payment because I felt it was appropriate compensation for their efforts to repair our issues. I was then sent a letter stating that the debt was to be paid THAT DAY by ACH transfer OR Credit card. Fearing that the company may in some way be deceptive ( Based on internet information available to me ), I stated that any payments would be made by XXXX   check. They then made harassing telephone calls to me at my office ( on a recorded line ), then two calls to me harassing me on my cell phone. Then I received a text message stating " Should I call XXXX, XXXX or XXXX to get them to pay your debt ''. Those are my wife and children, not associated in any way with my business. 

I proceeded at that point to send an email with the following language : Harassing me in my office by telephone and harassing me on my cell phone are one thing, but sending me a text message threatening to harass my wife and children is unacceptable. I refuse to be on a phone call in which I am being yelled at and berated, hence the reason for my exiting the phone call ( all recorded ), but you have stepped way over the line. I will conclude any business with XXXX directly, ANY business between you and I is concluded. Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New York State Attorney Generals office. Civil and criminal claims will be pursued. 

I was contacted twice more that same day by this individual. I feel that this matter will not be resolved and this particular individual will stop at nothing to continue the harassment.
Product: Money transfer, virtual currency, or money service

My full name is XXXX XXXX XXXX Im from the United States PayPal permanently limited my account on XX/XX/2021, I never violated the acceptable use policy. 

PayPal arbitrarily debited my entire balance of {$11000.00} with the Transaction ID : XXXX Under the common law liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 

Previously PayPal said I violated the bogus prefabricated Acceptable use policy, in accepting payments. 

1- PayPal allegations are false as they are not a partner with my business and they don't know the nature of my business. Copyright infringements and trademark violations stated by PayPal are nonexistent.

2- PayPal failed to provide a valid court order or a copyright/trademark infringement complaint to justify how they unlawfully seized my money. 
3- All disputes with my clients have been already resolved and the remaining balance was my hard earned money.

4- My business activities were allowed under the law, the service I provide is legal. There is no law that prohibit the service provided to my customers.

5- PayPal debited random amount from my balance that doesn't represent any genuine pre-estimate of loss or damages. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation.

6- PayPal user agreement stated liquidated damages at {$2500.00} USD per violation and not per transaction. PayPal actions are considered a breach of their own agreements as they stole all my hard earned money and made my balance reached ZERO! 
7- I believe that I was deceived by PayPal as they failed to provide the payment service promised taking advantage of me as their customer to steal my money in a clear case of unjust enrichment.

I will be joining a class action lawsuit against PayPal, if this issue is not resolved promptly. 
I have tried to resolve this many times with PayPal and they always give me bot prefabricated responses.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : Jefferson Capital system Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX living on XXXX XXXX XXXX XXXX., XXXX . XXXX, XXXX XXXX XXXX, FL XXXX. My cellphone number : XXXX. My emai is : XXXX. 

Home Depot charged my credit card for an installation that didn't happen at my apartment neither i signed for it. 
At first i tried to solve it directly with them but they didn't care to fix it, I took them to court and the Judge ruled on my favor saying that " I was improperly charged '. 
I called the 3 different bureaus to remove that account on my credit report showing them the court papers. The Bureaus couldn't fix my report saying that the creditor ( THE HOME DEPOT/CITYBANK ) still claims the account belongs to me. 

The Creditor is THE HOME DEPOT/CITYBANK : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting a late payment in XXXX and that is incorrect.
Product: Debt collection

I have NEVER been in a XXXX store in my life. 
I have had XXXX XXXX XXXX  for over 13 years. ( Attachment A ) XXXX sent me an email saying it was NOT my charge. ( Attachment B ) 4. I called the collection agency on XX/XX/XXXX to dispute this charge. Diversified Adjustment Service , Inc. refused to give me any information about the charge. They wouldnt even tell me what store it was from. According to Fair Credit Reporting Act, they have to give me all information they have to show it is my charge. They are in violation of this federal law and I will be reporting them. 
5. I also reported this to the XXXX XXXX Police Department and offer their report. ( Attachment C ) 6. There should be evidence that my license was shown at the time of this transaction to prove it was me. Where is it? 
7. What could possibly cost over {$5400.00} dollars at XXXX? 
8. The collection agency had my address from over 10 years ago when supposedly this transaction happened in XX/XX/XXXX. This is probably why I never received any notice of this charge from them.
Product: Mortgage

Before pursuing a lawsuit, I have decided to let you pursue the issue. The mortgage on my property was paid in full in XXXX of XXXX. As of this writing ( date : XX/XX/XXXX ) there has been no reply from PHH Mortgage to send the " paid in full '' loan documents to me, as required by the original contract. They have " THUMBED THEIR NOSES '' at me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX County Clerk, title company, etc. PHH Mortgage is a solid FFFF with the XXXX XXXX XXXX, so I have not bothered to contact them for help. 
PHH Mortgage IS responsible for returning the ORIGINAL DOCUMENTS!!! They purchased the loan from the credit union, without my consent. I spent nearly 30 years paying off the mortgage, now I am demanding what I agreed too when the loan documents were originated.