23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This agency has been harassing me about a debt that I do not owe them. They have reported this information on my credit reports causing me financial damage as I can not get a mortgage. I have disputed this debt with this agency both directly and through the credit reporting agencies. I clearly requested proof that I owed them anything to which they did not provide me with a satisfactory response. This complaint is to serve as a last warning before I proceed with legal action. Provide me with all requested documents listed in the attached or delete this item from my reports and compensate me for violating my rights under the FCRA and FDCPA. XXXX XXXX # XXXX.
Product: Debt collection

On XX/XX/2018, I received an alert that a collection from XXXX XXXX XXXX placed a collection on my account. I was not given the right to dispute alleged debt and was not properly notified of any debt before it was placed on my credit report. this appears to be a medical debt and is a violation of my HIPPA right because I did not give XXXX XXXX systems access to my medical accounts. 

This account needs to be taken off my credit report immediately and XXXX needs to give me validation that this debt is mine meaning a signed contract I have with XXXX stating I utilized their services.
Product: Vehicle loan or lease

I am complaining because Credit acceptance has harassed me continuously. Ive asked multiple times since the pandemic started if my payments can be lowered due to me losing my job. I was mocked and humiliated because I was unable to make my payments on time. Every representative that I have spoken with has been rude. This company is refusing to lower my payments and is threatening repossession. They call me non stop and its causing XXXX XXXXXXXX I am getting back on my feet and would like the harassment to stop. I am a single mother trying the best I can and the representatives make me feel less than a person. Something has to be done about this immediately! Credit acceptance keep putting late payments on my credit which is causing my score to decrease, putting me further behind in life.
Product: Credit card or prepaid card

To Whom It May Concern : I am writing to request that you waive the fees and allow me to skip a month of payment and move it to my last payment. Its true that I am late, but there were extenuating circumstances. 

However, on XX/XX/XXXX, a tornado hit the city in which I reside in. As you can imagine, my priorities instantly shifted. 

I will promptly resumed payments in XX/XX/XXXX, but by then it will be too late to avoid being assessed the late fee. Im also concerned that this will cause my interest rate to rise, or that it will otherwise affect my credit. 

Please consider reversing the fee in light of these unusual, one-time circumstances. I wish to remain in good standing with your company/agency. 

Appreciatively, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit report act whenever consumer report agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates I sent a letter asking them to reinvestigate those accounts listed below XXXX XXXX XXXX XX/XX/year> open date is not reported correctly date last active of last payment is not correct this account is not accurate XXXX XXXX XXXX XXXXXX/XX/year> open date is not reported correctly date of last active of last payment is not correct this account is not accurate XXXX XXXX XXXX XXXXXX/XX/year> open date is not recorded correct date last active of last payment is not correct this account is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this comnplaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent themover 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation!!.,
Product: Student loan

I have a couple loans through Sallie Mae. I had to have a co-signer and that was the easier part. I think for student loans they are pretty hard to acquire them without a co-signer. I'm XXXX, seriously. I do find it very difficult to talk to some one, change contact information, deferment, forbearance etc. I am still in school, and every time you turn around I have to get in contact to change it in school deferment. The do not call you just once. If you have multiple loans with them you get an email, phone call and text message to you and your cosigner er each loan. So your getting multiple calls, emails and texts. This happens over multiple days, It is down right annoying. There is no way to limit this or even change the method of contact. This is on the border of harassment. I have tried every semester ( yes I literally have to call each time ) to update that I am still in school, fight to get a deferment or forbearance, etc. This time I literally have called daily for a week, I still have not fixed anything, and now the loans are late for payment. Each time I call no matter what time of day it is. There was one time that the wait was over 3 hours, 2 hours, 1 hour and another time it changed to 77 people ahead of you 62, 34, literally it is impossible to reach anyone. It is not possible to download a form to submit, you would have to sit on the line all day to do this. When you work this is impossible. This is going to affect mine and my cosigner 's credit, and I really can not get any where. I am still in school and am trying to finish my XXXX, this ads an extra level of stress each semester when you have to call and report in or get things changed. No one has time for such crazy nonsense.
Product: Debt collection

Subject : Follow-up Complaint Regarding Fraud and Continued Harassment Despite Prior Reporting Dear Consumer Financial Protection Bureau XXXX I am filing this follow-up complaint regarding my case as a victim of a " pig butchering '' fraud scheme. Despite my initial submission documenting this fraudulent activity, I am experiencing ongoing harassment from debt collectors associated with Wilmington Savings Fund Society ( WSFS ) for a fraudulent debt incurred without my authorization. 
I have submitted comprehensive evidence of my status as a fraud victim to the Consumer Financial Protection Bureau ( CFPB ), Financial Industry Regulatory Authority ( FINRA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the relevant credit bureaus. Despite this, collection activities have resumed, causing substantial emotional distress. I am urgently requesting assistance to halt these collection efforts and bring resolution to my case. 

On XX/XX/year>, I received a response letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, referencing information provided by XXXX. According to this response, XXXX claims that XXXX XXXX visited the branch in person XXXX times to initiate wire transfers. This information is inaccurate, as I only visited XXXX branches on six occasions, indicating that XXXX did not conduct a thorough investigation. This misrepresentation raises concerns about the quality of XXXX 's investigative practices and professionalism. Please see the attached letter for further details. Please review the enclosed documents that outline my previous submissions and communications with WSFS. I ask the CFPB to re-evaluate my case and provide guidance or direct support in ensuring my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws. I am providing XXXX wire transfer record as evidence. 
Thank you for your attention to this matter. I look forward to your assistance in stopping the continued harassment related to this fraudulent debt
Product: Debt collection

Glasser and Glasser of XXXX, Virginia have come for the debt several times. Glasser and Glasser took action to have my wages garnished ( Warrant Debt ) Case # XXXX in through XXXX XXXX General District Court started in XXXX. I called and set-up a payment plan making monthly payments with them for XXXX. I missed one payment which I doubled on XX/XX/XXXX for XXXX. Again, on XXXX XXXX, XXXX they went to garnish my wages, now I was still making payments to them until XXXX XXXX, XXXX. The company I work for denied their request. 

I haven't heard from Glasser and Glasser until today, XX/XX/XXXX ... asking me to make payments again. When will the harassment stop with the company about a debt that has been charged-off by XXXX XXXX. They purchased this debt back in XXXX. It's been six years since then. Please note that my account with XXXX XXXX has been removed from my credit report. 
My name is XXXX XXXX at the time of the debt it was XXXX XXXX XXXX XXXX 

If they can restart collecting debt again after 5 years when will the harassment stop for the consumer.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldnt include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the following Bureaus XXXX  and Experian by phone advising them of unauthorized inquiries on my credit report. They both failed to correct the matter. The inquiries are from a " miscellaneous source '' and they informed me I have to find out about the inquiries and track the companies down. My score are affected by this and in compliance with the FCRA I have a right by law for this matter to be corrected. I'm also interested in speaking with an attorney and moving forward with a lawsuit if this matter can not be resolved expeditiously.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I've provided proof to BoA that the item is on its way back to sender. They refuse to close the case, even though the seller responded to the claim via XXXX ( but XXXX says the claim is now with BoA ) on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated.

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 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the p
ayment 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account on my credit report that is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 

My correct address is XXXX XXXX XXXX XXXX My name is XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting to the credit bureaus way past the statute of limitations for the state of Tennessee which is 7 years. Not only that but XXXX is constantly adding new balances and then removing them and adding them again later which is detrimental to my ever fluctuating credit score especially since I am in the middle of purchase. I am requesting that XXXX is completely removed from my credit report immediately. XXXX has been on my credit file with all three bureaus since XX/XX/XXXX. It is now XX/XX/XXXX. They seem to have some illegal collecting and reporting practices. Ive enclosed information for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX this company XXXX Credit Card is being reported with the incorrect balance on my credit report which caused my score to drop over XXXX points. I have a {$15.00} balance on this credit Court and this company is reporting incorrectly that I have a {$55.00} balance. I attached a screenshot of my balance and payment history to this complaint. I want this updated correctly immediately as well as this company fined for their violation. I have not had a balance of {$55.00} with this credit card XXXX Credit Card company since XX/XX/XXXX so its incorrect and inaccurate for this company to report the wrong balance which is a violation of my rights under the FCRA And this is causing harm to me
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME THESE ACCOUNTS WERE OPEN UP FRAUDULENTLY SOMEONE STOLE MY INFORMATION TO USE THESE ACCOUNTS USE MY PHOTO ID AND MY SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy in XXXX, all of my debts were XXXX with that bankruptcy. I have not used my name, or ssn to obtain credit since that time. I've recently been exploring buying a home, and needed to check my credit to see what my current status was, and discover all of these charged off accounts, that were created after my bankruptcy. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XXXX XXXX Charge Off Amount {$18000.00} XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Original Creditor Name 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing today because I am shocked on how poor attention and lack of investigation XXXX, Transunion, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX account number XXXX The first error date open Transunion is reporting XX/XX/2021 while XXXX and XXXX is reporting XX/XX/2021. 

The second account status XXXX is reporting closed, XXXX and Transunion is reporting open. 

The third error payment status Transunion and XXXX is reporting collection/ charged off while XXXX is reporting late 120 days. 


The last error credit limit Transunion and XXXX is reporting {$2100.00} and XXXX is reporting {$0.00}. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. There has been numerous inaccuracies with this account.
Product: Credit card or prepaid card

In XX/XX/XXXX Chase offered a XXXX pt welcome bonus for their XXXX Checking account. Here are the details : https : //accounts.chase.com/consumer/banking/online/sapphireUR? XXXX & XXXX & XXXX I applied XXXX Checking account in XX/XX/XXXX and transferred over XXXX USD cash and securities combined around XX/XX/XXXX, which satisfied their condition to get the welcome bonus. I still did not received the points until XX/XX/XXXX. 

I talked with the clerks in the branch twice. 
1st conversation happened on ( about ) XX/XX/XXXX. One of the clerks reviewed my deposits. The clerk thought what I had done satisfied all the requirements and then escalated my case. After that I found my XXXX monthly fee was returned but no points were received. 
2nd conversation happened on XX/XX/XXXX. Another clerk reviewed my case and thought I was qualified for the welcome offer. After that the clerk escalated my case again. No response was received until XX/XX/XXXX. 

Will attach the document ( XXXX info contained ) if necessary in next steps.
Product: Credit reporting or other personal consumer reports

Evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theftXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} write to you today with a growing sense of frustration and disappointment regarding the persistent inaccuracies in my credit report. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report. This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct 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  ] ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I am writing you about the compromising of my social security number. I am a victim of Identity Theft and believe my information was breached in the XXXX Data breach. I contacted the Federal Trade Commission and filed a complaint # XXXX I also included a signed and notarized copy of my Affidavit of Facts and Truth. The account was previously Blocked and than reinserted back on to my credit report without any proper verification. The information listed which appears on my credit report, does not relate to any account I have opened. It is the result of identity theft. 1. JMPPlCB CARD SERVICES Account Number : XXXX
Product: Debt collection

Called at XXXX XXXX. on Monday XX/XX/2020. Also, claims I owe them over {$10000.00} when in fact, I have no such debt ( other than student loan debt and my car loan, both of which are current ) on my credit report.