23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company sent documentation that states that they purchased debt from a creditor in which I had the right to arbitration and figuring out the debt directly with the original creditor that is claiming that I owe them a debt. I have no relationship or knowledge in owing a debt to Spring Oak Capital. There is no signature that provides permissible purpose for Spring Oak Capital to report to my credit report or there is no paper trail via my signature to prove that I was given proper notice of having the right to dispute the debt with Spring Oak Capital prior to them reporting on my credit report.. At this point I am a victim of fraudulent activity. There is no authorization given by me for this company to have reported to the credit agencies in regards to me owning them directly a debt. They've also provided a Bill of Sale and blatantly have blocked out how much they paid for the debt. This means that the debt that they are stating I owe is not even the correct amount because a payment to the original creditor for the debt was clearly applied. What is the actual debt obligation that is being stated to have been owed? I am requesting this collection account to be removed from my credit report. It is in violation of 15 usc 1692e and 15 usc 1681b. This issue will need to be resolved immediately. I am also requesting a cease and desist which means that all forms of contact including the fact that you are reporting to my credit report as a form of contact be removed! Until proper disclosure and something that states that I authorized this account can be provided. You are in violation of the law. If you can not provide the instruments used to validate the debt that shows that I acknowledged this debt between you and I. Again, remove the debt or I will further exercise my right and contact my state attorney general and whomever else I have the right to contact in order to resolve this issue and hold you accountable for your unlawfulness.
Product: Debt collection

This debt collector used unfair, abusive, and misleading tactics that are prohibited under the FDCPA. They provided this account, for which I did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they did not adhere to the correct five-step validation procedure, which renders these activities unfair. I'm entitled to {$1000.00} for each breach under the FDCPA, and it's obvious that they infringed my rights. 

I'm going to have to send this to my litigation attorney if this corporation doesn't remove this account from all three credit reporting agencies and pay me for the violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I was enrolled in autopay, a system error prevented my dues from being paid, resulting in a late fee on my credit report. As I'm currently in the process of buying a house, this negative mark is adversely impacting my application. I've since rectified the issue by ensuring my account is up-to-date, and I'm now requesting the removal of this late mark from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Zions Debt Holdings LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is violation of federal law by reporting an ADT account that is over 7 years old since the last payment was made on all my credit reports. Zions Debt Holdings LLC was established in UT on XX/XX/XXXX is apparently practicing debt collection without a license once again. Previously, they did the same thing in XXXX under XXXX XXXX XXXX XXXX name. The same actors, such as XXXX XXXX, seem to be running this business. A complaint with the Utah  Department of Commerce will be filed over the phone this week. Please use your federal oversight to investigate these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far in disregarding my disputes. AGAIN, this state is unbelievable! Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE these items that caused me so much trauma. 

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

They have wrong information about my report and has wrong information .they are trying to go homeless, they are defamation of my character, this i call harassment toward me which is bad practice, since i mention already. I'm trying to buy a house but, its hurting me to get a hose transaction.
Product: Debt collection

A check was written in XXXX of XXXX in Kansas at XXXX. I advised the company that I left the country in XXXX of XXXX. I am being garnished for this currently is n't the statue of limitations 7 years. I never received any information on it I did get a few phone calls in XXXX and then a letter from my payroll department starting this garnishment.
Product: Debt collection

On XXXX I sent my dispute letters to the debt collection companies and I still haven't heard anything from you. 
XXXXYou have violated my rights Under Section Section 609 ( a ) ( 1 ) ( a ) they are required to provide me a contract with my signature on it. You haven't provided me with anything, which is illegal. 
XXXXUnder 15 USC 1692 ( a ) You were to notify me in 5 days after their intinial communication. I haven't heard from them at all which is in violation of this law 3. Under 15 USC 1692 ( e ) You have been fasely representing the legal status of debt which is out of statue of limitations and they can legally collect. 

A copy of this will be CC to FTC XXXX  ATTORNEY GENERAL
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to look at the attached documents to understand what happened to me and my credit report.
Product: Mortgage

In reference to a previous case with cfpb XXXX this loan is not involved in a active litigation. Complaint and Request for Qualified Written Response ( QWR ) from J.P. Morgan Chase
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experian 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$670.00}. Please delete the fraudulent accounts ASAP.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 also states a consumer reporting agency cant furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor can not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to submit this complaint because i have tried to contact you multiple times via the telephone and by the mail regarding this but I never was able to get my issue resolved. You never responded to my pleas. My credit report obtained recently shows a derragatory report posted by XXXX XXXX XXXX  as XXXX, as derogatory with the words charge off next to it. During this period I was dealing with the the deaths of both of my parents. I was forced to assume responsibility for their medical and other end of life needs. I only missed one credit cardpayment. I called multiple times and multiple times a XXXX XXXX phone customer service rep assured me that XXXX XXXX will remove it all. The customer service reps were graciously understanding and indicated that the late payments from this tumultuous time would not affect my credit. I am attaching the 2 death certificates of my parents as proof. Note, I was never told that by paying the balance in full I would be subject to a derogatory report on my credit. If I had known I would have done something else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not wait to return this vehicle and never deal with XXXX XXXXXXXX  again This is the second time in 3 months they have inaccurately reported a late payment on my credit report. The first time was in XXXX when they did not put through my COVID relief on my account and put a 30 day late on my report they fixed that and now once my relief was up there was an extra {$73.00} bill on my account they could not tell me where the bill came from as I had paid up my previous bill and 2 payments were moved to the end of my lease due to covid. I spoke to 3 representatives pertaining this matter the first one stated she could not figure out where the bill came from and she was going to request an investigation into my account. The second representative who called me while I was working stated he could not see any notes or proof of an investigation and would look into the matter and call me back after XXXX and he yet again could not understand where the bill came from when I was reviewing my statements with him. Finally on XX/XX/2020 the last representative called me and she yet again could not properly explain the bill kept telling me it was a good thing that due to me always overpaying on my bill in previous bills that I only owed {$73.00} for a bill in XXXX that made no sense but to avoid you hitting my credit I just paid it and wanted to be done with it and she stated she was sending a full print out to explain what she meant which I have not yet received. Then he we are on XX/XX/2020 and you yet again dinged my credit with this nonsense. I do not ever want a XXXX or XXXX   due to this bank, you have lowered my credit score. I am a front line working nurse who seeking covid relief instead all I you have caused me is financial hardship and two separate occasions. Please remove this off all three credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

to Whom it may concern, In accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXAccount # XXXX has violated my rights. 

In accordance with 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are NOT removing items when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA, if you choose to not remove the following items listed below which are reporting inaccurately due to misrepresentation in my credit report, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are inaccurate & were opened without my consent or knowledge : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 -- XXXX XXXX -- -- -- -- TransUnion XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX XXXX Balance Owed : {$4600.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from a faulty credit reporting. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are in the process of moving and purchasing a home. In anticipation of this event I pulled our credit to check credit scores. Upon doing so I discovered a defaulted XXXX/XXXX account. Over two weeks ago I submitted a fraud complaint. I then received a response from Experian stating that the creditor verified the account as accurate. I then called XXXX XXXX to discuss the fraud claim. The first person I spoke to said that we could simply pay the claim. NO WAY! I then asked to be transferred to another agent. They said that the process would take 10 to 60 days. We hope to close on a home in less than 60 days. That agent said he would transfer us to the investigator and they would take our information. The final agent said that she could do nothing to help us expedite the process. Please note the following facts : 1. We currently have 3 open accounts with XXXX XXXX. One is paid off with perfect pay ( XXXX XXXX ), the second is XXXX XXXX XXXX with a XXXX balance, charged on monthly and paid off and finally XXXX XXXX  which has a balance on automatic pay and paid perfectly. All three accounts have our current address and correct phone number. 

2. The address used to obtain credit is a home we have not owned since XX/XX/XXXX. We have not lived in that home since XX/XX/XXXX. The account was opened in XX/XX/XXXX. 

3. The first agent I spoke to said that they reject all fraud claims made through the credit bureaus by consumers. 

4. We have never had a late payment or any derogatory credit. 

5. The interest rate on the mortgage will be higher due to lower credit scores. 

6. The agent was in fact not the investigator and she made the following statements : A. There is nobody with more authority than her at the bank B. There is no way to expedite the verification process C. She can not give us the account number in reference D. She can not transfer us to another account manager E. The investigators will not talk to us to help provide information F. Her name was XXXX # XXXX ( probably not correct employee reference # ) G. She wanted us to link our current phone number with the defaulted account! 

The effects of this error will cause thousands of dollars in interest charges and/or possibly lose the house due to delay in processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I saw something spiteful and petty on my credit report my credit score dropped from XXXX - XXXX because I ask the person at EXPERION to render me with the law that they are trying to tell me Exist a law that says EXPERION has to keep one false negative score factor on a persons file by law I have watch this one negative thing change a number of times as I will show you in the attachment. At what I see EXPERION is doing the same one negative score factor keeps on changing over and over and over and over again now they put two of the same negative score factor, in my score factor. These are not justified in the credit file. Where did These factors come from??.
Product: Credit card or prepaid card

On Tuesday XX/XX/XXXX at XXXX I check my card balance i knew I had XXXX $ to my name but jus wanted to be sure but when I checked it it was sayin that I have a pendin charge of XXXX $ and honestly dont kno wea it came from cause I have not spent anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accts nos.XXXX and XXXX are accounts that I have reporting to XXXX , TRANSUNION AND XXXX . 
The accounts are closed.Both accounts have a balance that is less than the credit limit.All of the accounts have been intentionally misreported following each and every credit dispute with each of the BIG 3 bureaus as to whether or not they are open or closed or what the current balance was at the time of the dispute.I perceive this occurs because XXXX XXXX has no interest in adhering to the strict standards of accurate and complete credit reporting as required by the FAIR CREDIT REPORTING ACT. 
In each and every dispute, the disputes are answered to XXXX XXXX in an automated fashion as of the previous statement cut date ... and therefor the only 'guaranteed ' days of accurate credit reporting are on the statement cut date themselves.Each and every intentional misreporting of credit carries a {$1000.00} statutory penalty to be paid by the subscriber and co-operating bureau ( where negligence and intent can be proven ) .I may have to file suit to collect, yet this complaint this day is a record of notice to all three bureaus of XXXX XXXX   INTENTIONAL MISREPORTING AS A PATTERN AND PRACTICE.THE CORRECT REACTION OF ALL 3 BUREAUS IS TO NOT ALLOW THE REPORTING OF CREDIT BY XXXX XXXX UNTIL THEY WILL ABIDE BY ALL CREDIT REPORTING LAW. 
THIS OFFENSE COULD AND WILL BECOME A CLASS ACTION INITIATED BY ME.IT IS SUSPECTED THAT ANY DISPUTE BY ANY CUSTOMER OF CREDITONE WILL BE INTENTIONALLY VERIFIED AND MISREPORTED ... thousands or millions of XXXX customers are being harmed with the cooperation of the BIG3 credit bureaus as of today 's date.
Product: Checking or savings account

In XXXX of XXXX I received an invitation offer to open a Citibank checking account and maintain a deposit of {$15000.00} for their minimum period and receive a cash bonus of {$400.00}. It indicated this was an exclusive cardmember bonus and referenced my Citibank credit card number that I have had with them since XXXX. The offer was good through XX/XX/XXXX. On XX/XX/XXXX I did open a Citibank checking account by phone in the name of XXXX and XXXX XXXX ( acct ending in # XXXX ) and per the instructions did verify it was for their Tiered Bonus Checking Offer. In the subsequent days I did deposit a total of {$15000.00} into that account and have maintained that amount for their required period and have met all the qualifying criteria the offer has described. 

In XXXX I called to check on the status of my bonus and the agent verified I had met all their criteria and that my bonus payment would be made no later than XX/XX/XXXX. On XX/XX/XXXX I called again since I had not received the bonus. I was told it would be deposited into my account within two days. When that didnt happen, I called the next week and was told again that my payment was being processed. I got upset and asked to speak with a supervisor and after a 20-minute hold was told by the supervisor that I was not getting the bonus because I did not qualify. She indicated the denial reason was that I was not given a direct offer for this promotion. She said that the notes in the file indicated that a letter was sent to me that explained their denial. She said the letter reference number was : XXXX. I have not ever received that letter. 

Attached is a copy of the direct offer that I received from Citibank that was addressed directly to me. 

Additionally frustrating was that I was told there was no one else I could talk with and there was no email contact to use. 

I asked to speak with a manager and was told they can only make a request to have a manager call me back within 24 to 48 hours. After 3 days and no call back, I called again to request for a manager call back. I have still not received any call. 

I am in the XXXX area and Citi does not have any local branch here. My concern besides the {$400.00} bonus is a fear of having a bigger problem with my account without having a representative with authority to speak with and no means to resolve an issue in a short reasonable period.