23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My XXXX XXXX XXXX daughter lives in XXXX XXXXXXXX XXXX in XXXX, XXXX and her initial 6 month lease required her to have a co-signer which I acted as. After the first 6 months, my daughter elected to enter a new lease with a new roommate at the same apartment complex which I did not co-sign. Months passed after my daughter signed the new lease when I received an email from a Hunter Warfield, a Debt Collection company in XXXX, XXXX stating that they were attempting to collect on a {$4100.00} debt from my daughter 's lease in XXXX. No information regarding an amount owed to XXXX was ever received by me from XXXX nor the Hunter Warfield at any time prior to receiving this email and no information or details were provided by the debt collector other than the amount owed. 

Both XXXX XXXX XXXX. and the Hunter Warfield have violated a number of debt collections laws including failure to report the debt within a specified time frame and yet XXXX and XXXX refuse to remove the debt from my credit report stating that they verified that the debt information is valid. I also hired a lawyer to send a cease and desist letter to the Hunter Warfield threatening legal action if they did not remove the bad collections report from my credit record and since sending the letter, no action has been taken. 

I believe the XXXX XXXX debt to be completely false I believe that a number of debt collections laws have been violated in the process. I want to report both companies for their failure to follow federal and state debt collections laws and for not removing the collections report from my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am in possession of a check dated back to XX/XX/2004. in the amount of {$6900.00}. I came across the check behind my file cabinet un-opened. I am not sure when or how the check made its way to me because the address on check is off by one digit. The check was generated by Chase bank and shows check #, vendor #, company # as well as routing and account number drawn from. After going to branch I was told they should be able to get me a replacement after research department completes investigation to determine the check was not cashed. I faxed a copy of check with letter of explanation requesting assistance. I called weekly for update and was told they can't assist me further because the mortgage account associated with this check is inactive. they provided the mortgage account number XXXX. I asked to speak to a supervisor and supervisor wouldn't come on the phone. I told them to provide me with a name or department that may be able to look further into this and I was told this is the last step. I asked them how can this be the case and how could I simply forget about a check in the amount of {$6900.00} and I was told I should have cashed the check when I got the check. I informed them that I would have to pursue this further and was told to do what I must.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to BK OF AMER about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I spoke to a Supervisor named XXXX regarding the system is asking for additional payments after making the actual amount due. In XXXX the amount due was {$88.00} and in XXXX the amount due is {$210.00}. I made two payments in XX/XX/XXXX totaling around {$160.00} which was due to Upgrade system asking for multiple payments and again in XXXX it asked for {$210.00} payment and then {$130.00} and now {$89.00}. Ive made several returns that should reflect only two charges around {$1900.00} and a transfer to bank account of {$2300.00}. The agreed amount for the bank transfer payment is {$110.00} and the payment due for XX/XX/XXXX or XX/XX/XXXX charged of {$1900.00} was only {$88.00} per month. Per XXXX allow system to reflect {$0.00} balance on XX/XX/XXXX since a payment was made of {$210.00}. On today XX/XX/XXXX the account isnt reflecting a {$0.00} balance but it is asking for a payment due of {$89.00} before XX/XX/XXXX which is incorrect. I spoke to a representative named XXXX and request to speak to a Supervisor. XXXX had me on hold for over 50 minutes before allowing me to speak to a Supervisor named XXXX. During that wait time, XXXX said she spoke to her co-worker regarding my account and wanted to ask if I had known my loan account was closed. Im not sure why XXXX would be looking into a closed account when I clearly explained yo her the reason for my call before transferring me to a Supervisor. I continued to wait for a Supervisor and XXXX tried to transfer me to XXXX that wasnt a Supervisor. When I explained to XXXX that I am filing a complaint for her refusing to allow me to speak to a Supervisor and giving wrong information to customer. Per XXXX she has no worries about me filling a complaint ( it was a nice nasty remark ) and wasnt professional! Im not sure why XXXX had a customer waiting over 50 minutes to speak to a Supervisor and provide information on a closed account.This has always been my complaint with Upgrade representatives not being knowledgeable enough to handle a issue or provide the correct information or account payment due is incorrect. On today XX/XX/XXXX Supervisor XXXX said XXXX was transferring me to her assistant but I explained to XXXX that I did not ask for a Lead, I asked for a Supervisor numerous times. XXXX started out giving wrong information, something that happened in XXXX of last year which was odd because I was speaking about my active account that Im currently paying and not a closed account. Per XXXX she did not see any notes on XX/XX/XXXX of when I spoke to Supervisor XXXX ( that reassured me the problem would be resolved today XX/XX/XXXX ). When we explained to XXXX that Im filing a complaint for the Consumer Protection to investigate, XXXX then found the notes from when I called in XX/XX/XXXX. Per XXXX the account is reflecting the correct payment due. Again, wrong information is giving and Im shocked this is coming from a Supervisor! Theres no way two payments are expected in the same month and theres no way my payment should be over {$300.00} a month on a card that isnt maxed to its limit!
Product: Credit reporting or other personal consumer reports

my identity was compromised on the dark web when i started my trucking company and ive been having trouble since
Product: Credit card or prepaid card

I have had a XXXX XXXX with Barclsys for 4+ years and pay the credit card balance in full every month. 
I recently made my most recent payment ( balance owing ) on XX/XX/XXXX. 
Since that time, the payment has continued to show as pending and has not pulled from my checking account. 
I called again ( for the 8th time ) on XX/XX/XXXX and was instructed by the CSR that we should cancel the old payment and make a new one. I took their advice and made a new payment and received confirmation via email that it was pending. 
I called today, 3 days later and it still shows pending. 
I them waited on hold for 15 mitmutes and transferred to a Manager who then put me on hold for another 15 minutes and finally came back on the line.

I was then told my latest payment from XX/XX/XXXX had to be cancelled to work out a system glitch and I received no notification about. In fact, if I had not called in ( for the 9th time since XX/XX/XXXX ) I would not have found out my latest attempted payment was not processed. 

Ive been with this company for over 4 years, pay my balance in full monthly and would be considered an excelkevt customer. To be treated this way with zero accountability on their end is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX  XXXX XXXX {$550.00} XXXX  XXXX {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I contacted the student loan service department concerning accounts showing as late payments and was assured this was not from their reporting. My actual account information from the loan servicer shows the accounts are in XXXX XXXX XXXX XXXX and never late. However, the credit reporting sites continue to have this erroneous information on my report. I have requested it to be removed to no avail. Please correct this information as it is causing emotional stress to me. 

Warm regard, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have 4 inquiries on my credit profile that i did not authorized. Named as follow : 1. ) XXXX XXXX 2. ) XXXX XXXX XXXX  XXXX XXXX 3. ) XXXX XXXX XX/XX/2023 4. ) XXXX XX/XX/2023 I have already contacted all 3 credit bureaus about this matter. Experian and XXXX said that they could not assist me. Stated that I had to contact the original creditor which i already did to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed much information or items which do not belong to me you are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX. XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$650.00} ( Original Creditor : ) XXXX Balance : {$280.00} XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Student loan

I took out a loan with XXXX XXXX, since then they have made it impossible to be able to afford the payments. My XXXX year old Grandmother who is XXXX on a fixed income co-signed for the loan. I have been asking for a payment that I can afford since the start of the loan because they make it unaffordable for both me and my grandmother to afford. I have asked them to stop calling her house because of the amount of stress that she is under after having a XXXX she can not take the harassment. I have tried to afford the payments but my job does not pay me enough and right now they are asking for 60 % of my check which leave me with a limited amount for rent, food gas car payment etc. They pretend to help but every time you call they tell you something different. They are purposely putting me in a position that is in place for me to continue to fall behind. I have asked them over and over for a lower payment and they keep giving me ones that I cant afford. I feel like I have no choice to except them because they are saying that its the only option. In the meantime they continue to tack on fees and try to get me to defer my loan which also tacks on fees. I would like them to take my grandmother off as a cosigner because I'm afraid that the stress will cause her to have another XXXX. the phone calls and letters are endless. I have told them that I need affordable payments over and over to no avail. They, set you up to fail by giving your 3 separate which makes it easy for them to give you payments that they know you cant afford. I would like to have one loan instead of 3. This is pure predatory lending on there part. I want to pay off my debt but I find it impossible because the more I pay the more fees that tack on because I can't keep up with the payments because I barely make enough to survive. I have a loan with the Federal government loan that I am trying to pay as well but, the fact that XXXX XXXX continues to try to take advantage of me is making it harder to survive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had bought a XXXX XXXX XXXX on XX/XX/XXXX {$24000.00}. 
Balance owed time of repo {$10000.00}. XX/XX/XXXX They sold the vehicle on XX/XX/XXXX {$12000.00}. 
A collection agency contacted me and said I owed them money. {$10000.00}. And shared with me that it was sold. I explained to them I dont owe XXXX XXXX XXXX Any money if anything they owe me {$1800.00}. Plus my antenna and the mats. 
I had offered to pay them and they refused my offer. It was less than the original agreement but I still offered. I do need help with this matter. Even if it is taken off my credit report. 
It has been charged off so they actually have got paid twice for this vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. I am not associated with these following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My name is : XXXX XXXX XXXX Please delete any variations of my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

mr coopr might of ent letters but not to me because i didnt get them nor did i receive any phone calls from them i straighten out the matter as soon as i found out with XXXX effort on mr cooper XXXX i didnt vomplain i payed up as sooh as i found out of my own accord even though amout doubled which should count for something
Product: Credit reporting, credit repair services, or other personal consumer reports

This company refuses to remove or update their credit reporting entry on my XXXX credit report after being notified that I have filed for bankruptcy on XX/XX/2022. They still are showing false and erroneous information on my credit report regarding my account with them. They are showing that I have a balance owed and that it was a charged off account and in collections when it should only show that it was included in my Bankruptcy and that it is a closed account with a XXXX balance on it. They are in direct violation of my consumer rights and Federal laws by refusing to either remove or update the information that they are reporting about me on my credit reports. This debt was already disputed with XXXX and it came back as being a valid and accurate debt with no changes to my credit report information. Clearly they have lied to the Credit bureaus as well because I am in bankruptcy and they know this because it reflects this on the other credit bureaus but not on XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Attached is the information I have identified no my credit report that needs to be deleted from my records immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

On XXXX, I co-signed for a loan for my niece who is XXXX XXXX XXXX XXXX The next day I checked my credit score through credit journey saw my brother 's credit was now listed with my credit information. I contacted the XXXX dealership in GA who denies making the error. The Dealership reported the accounts were mixed when that ran my credit report with Experian on XXXX, but stated they used information from XXXX and process the loan. I contacted Experian on XXXX, and learned our information was mixed and my account was flagged so that would not happen again. I requested from several agents who mixed our information. I was not given that information as they kept saying they could see that information. I called back on XXXX, and requested to speak with a supervisor and spoke with XXXX who told me that someone would call me in XXXX hours. That never happened. I called Experian again on XXXX, and learned that now I could not get that information as the problem has been corrected. I explained that every time I called I requested this information. I was also in informed by the Supervisor XXXX, that I need to file a compliant with this office and should look up the information. XXXX wanted me to believe that XXXX of my brother 's creditors linked all our information all at one time on XXXX. I told her that sounded outlandish. I was told that now I could not learn that information because the problem was not fixed. Someone should not be allowed to have more access to my credit information or report incorrect information and not beheld accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a credit card, checking account or any kind of account before and I am receiving numerous letters from various different places. I can not open any account of any kind or cash any checks or write any checks I can not even cash in money orders that I have the receipt for which is odd and outright insulting I can not believe that I out of millions of people am unable to do so I feel like something should be done about this I don't know how I am supposed to make a living while not being able to do anything that anyone else is able to do it is not right and it is not ok
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 a account without my written instructions. 
The following Accounts XXXX XXXX XXXX Balance- {$1600.00}