23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Age Opened XX/XX/2015 - {$350.00} Original creditor : XXXX XXXX XXXX XXXX THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been proven that you are not setting back records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Date of inquiry : XX/XX/2020
Product: Debt collection

The company Halsted Financial Services calls me multiple times a day from multiple numbers. Sometimes 4 to 6 times a day. I have told them repeatedly to stop calling me because I am paying the debt because the company takes my state taxes every year. They become argumentative and still call me. I have threatened them with legal action multiple times and still call me. They call back to back from different Georgia area code numbers multiple times throughout the day.
Product: Credit reporting or other personal consumer reports

Metro Collections is listing themselves as the original creditor. 

I do not have a contract with them. 
I am not liable for this debt. 
There's no payment history sent to me as required. 


No authorization to collect.
Product: Debt collection

Navient has taken immediate negative action against me because I filed a borrowers defense loan forgiveness request : 1. Before I filed a borrowers defense loan forgiveness request ( case # XXXX ), I had a forbearance in effect with a payment start date of XX/XX/XXXXper letter dated XX/XX/XXXX. 2. On XX/XX/XXXX, I filed a borrower 's defense loan forgiveness with Federal Student Aid : an office of the U.S. Department of Education 3. On XX/XX/XXXX, I received two letters from Navient dated the very same date of XX/XX/XXXX a. The first letter says, The U.S. Dept of Ed has notified us to process an administrative forbearance on your loans. b. The second letter said that there has been an adjustment of my forbearance and says, your forbearance period started XX/XX/XXXX and ends on XX/XX/XXXX. 4. Again, before I filed a borrowers defense loan forgiveness request, I had a forbearance in effect with a payment start date of XXXXper letter dated XX/XX/XXXX. 5. In sum and substance, after I filed a borrowers defense loan forgiveness request, Navient changed my loan repayment date to 4 months earlier than when it was scheduled to move from forbearance to repayment. To be clear, I had an existing forbearance before I filed for Borrowers Defense and that forbearance was scheduled to end with a XX/XX/XXXX repayment start date. 6. In addition, late fees have also been applied to my account. 7. Note that this is not the first time that US DEPT OF ED followed my loan forgiveness request with prompt negative actions. The first time I filed a loan forgiveness directly with Navient, two XXXX Police Department Squad cars came to my apartment to remove me based on a call that Navient placed to the police department ; at least six police officers came into my apartment geared up to forcefully remove me all because I made a loan forgiveness request based on XXXX and provided Navient with medical record ( To this day, I am traumatized by this event because a man in my area had a similar issue someone sent the police to his house to bring him to the XXXX ward and the police ended up XXXX the man ). When I contacted US DEPT OF ED about this matter, a representative by the name of XXXX XXXX who represented that he was with investigations threatened me with arrest and he called me a XXXX XXXX. XXXX XXXX also stated that he was with investigations, and if I did not pay my loans, the police would return to arrest me. I have kept this experience privately and have been suffering inside because of it, but I hope that you can help me. 8. For various legitimate reasons, I have requested documents from US DEPT OF ED so that I can verify and calculate the purported student loans but US DEPT OF ED has not provided the requested documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX Account ending in 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.
Product: Credit reporting

I have been working diligently to repair my own credit. My credit score was XXXX two weeks ago, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My wife and I share the shame credit cards, and her scores are going up. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good, it dropped my score XXXX point because of this good utilization. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in a couple of weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that XXXX owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. XXXX XXXX stated that I did nice work by getting my balance down, and with that they minus my credit score XXXX points for doing a great job. This is unethical please see attached picture of this.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to conduct a reasonable investigation into disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours, asserting that the disputed accounts are accurate without providing any evidence of a thorough review.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of
disputes. Additionally, Equifaxs actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as evidenced in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar misconduct. 

I respectfully request that the CFPB take immediate action to ensure Equifax complies with federal law and provides consumers with verifiable proof of a proper investigation. Furthermore, I request the deletion of the disputed accounts from my credit report, as Equifax has failed to fulfill its legal obligations. 

Here are the accounts marked as XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter.
Product: Student loan

Sallie Mae called third parties that had nothing to do with the loan and was not on the loan paperwork. My spouces ex wife and their children, etc.
Product: Prepaid card

I have {$700.00} plus deposited into my XXXX program debit account. She said my XXXX which they had on file wasn't safe to send a code to when I requested to get a knew card mailed to me and shut off the original card. They told me I could not report the card lost or stolen. Then they decided to lock me out of my account requesting proof of identity. I send ID, social, case number, and whatever else they requested to XXXX and they email back saying to send a none expired photo I'd and my id is not expired. I replied to the email and called back again was told to send it again. So I did..then am told to wait. I am not able to access funds. Mobile app. Update my contact info, order a new card. Can't use current card. They let me deposit XXXX like two or three times to my XXXX decline every other try. And I ordered XXXX pizza between the time they blocked me out and I requested a new card.
Product: Bank account or service

I had a checking account in good standing for almost a year with Citizen's bank. During my history with this bank, I'd had several deposits made through my XXXX account to my checking account with Citizen's without problems. In XX/XX/XXXX I had XXXX sent from my XXXX account to my Citizen's account. XXXX has confirmed the transaction was completed but Citizen's is claiming they don't have it despite having a confirmation and ACH trace number from Paypal proving otherwise. Despite my having a good standing account with Citizen's for almost a year and my providing these confirmation numbers, Citizen's rudely closed my account in XX/XX/XXXX They are claiming I owe them over $600.00 and have reported me to 3rd party companies that they closed my account for "Account Abuse".
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires ae not mine, some of them are from different areas I never once applied to. They are fraudulent inquires made on my credit report from XXXX.. 
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

TRANSUNION COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} XXXX XXXX Original Creditor : XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX # XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX DATE XX/XX/XXXX STATED PAST DUE AMOUNT {$4400.00} XXXX XXXX OPEN DATE XXXX PAST DUE AMOUNT $ {$0.00} XXXX XXXX OPEN DATE XXXX PAST DUE AMOUNT $ {$19000.00} XXXX. XXXX XXXX XXXX OPEN DATE XX/XX/XXXX STATED PAST DUE AMOUNT {$14000.00} XXXX. XXXX XXXX XXXX XXXX DATE XX/XX/XXXX STATED PAST DUE AMOUNT {$14000.00} XXXX. XXXX XXXX OPEN DATE XXXX PAST DUE AMOUNT {$460.00} XXXX. XXXX OPEN DATE XX/XX/XXXX STATED PAST DUE AMOUNT {$560.00} XXXX. JPMCB OPEN DATE XXXX STATED PAST DUE AMOUNT {$8400.00} These account are being furnished to the credit agencies and they are not my accounts
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Updating My Personal Information To whom it may concern, I recently reviewed a copy of my credit report and noticed outdated, inaccurate personal information on my profile. I need to update my personal information in your records. I want to make sure my credit report has the correct details. Here are my ONLY personal details that should be on my credit profile : My correct name is : XXXX XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX Email Address : XXXX Employer : XXXXXXXX XXXX XXXX XXXXXXXX Please update this information in your system and DELETE/REMOVE all other information. It's really important to have accurate personal information for my financial profile. I've included copies of some documents that prove my updated information : Please process this update as soon as possible and send me written confirmation once it's done. If there's anything else I need to do or provide, please let me know. If you have any questions or need more information, please reach out to me at the phone number or email address provided. I appreciate your help and hope we can resolve this quickly. Thank you! 



Yours sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

XXXX XXXX  {$480.00} XXXX XXXX {$970.00} XXXX XXXX, {$1100.00}
Product: Student loan

XX/XX/year>2024, I asked to get my loan rates lowered after being in 6 months of forbearance. At XXXX dollars a month at XXXX percent interest, the loan is impossible for someone like me to pay, and puts my cosigner at risk. Not to mention, my school told me it would be really easy for me to get a job outside of college. Their online portal hasn't helped at all, and despite applying to countless jobs as a video editor, my current trade, and several other jobs in the industry, I haven't picked up anything sustainable. I don't even make XXXX dollars a month, and I have to pay for my car, and have several expenses that i need to do my job in the first place that make this impossible.
Product: Debt collection

My name is XXXX XXXX. I purchased an XXXX  from XXXX in XX/XX/XXXX. I had an account open from XXXX XXXX. I closed that account so I could assume responsibility for the phone and phone number I had from my ex-boyfriends account ( he had disconnected the line in XX/XX/XXXX, which is why I went to go open a new account in only my name, but then he agreed to let me keep that original phone I had. ) I wasn't able to pay the account in full at cancellation, but months later I did pay the account in full. I have a letter from XXXX  XXXX XXXX and a Bank Statement showing I paid {$1000.00} to XXXX on XX/XX/XXXX. ( I made the payment XX/XX/XXXX and it posted on XX/XX/XXXX. ) For the past few months my children and I have been receiving harassing calls from a company called I C System. The call says scam likely on the phone. I called XXXX to report the calls and they advised me to block the calls and download and pay for an app called XXXX. After months of ongoing issues, I asked what else I could do. An adviser suggested switching from XXXX to XXXX because XXXX is more secure and less likely to have scam calls. After having 3 XXXX phones for less than 1 year, I purchased 3 new XXXX phones. I brought in the XXXX XXXX with hope to use it as a trade-in. I was told the phone was blocked because money was owed on the account and it was sent to collections. I told the person helping me I paid XXXX in XXXX. He called the collections agency. A woman with a rude tone told me over speaker-phone that I had never made a payment. I was embarrassed in front of a store full of people. I wasn't allowed to use that phone for any credit. The XXXX rep became rude, charged me full price for all three new XXXX I asked for new phone numbers for the new phones. He said he could show me but there would be a charge. I said I would be ok with that, I just don't want harassing calls anymore. I told him I wanted to handle it right then. He said, no you don't want to pay {$20.00}, just call customer service when you get home. He put the new items in the bag and called over another customer. 
I have been getting emails regarding I C System updating XXXX, and XXXX. XXXX XXXX had to be the one to notify me. I recognized the name from the annoying phone calls immediately that have been plaguing my family all year. We block a number, they call from another number. 
XXXX should have never sent my account to collections. I paid my account in full. They broke the law, my children and I have been harassed, and my credit has been adversely affected.
Product: Money transfer, virtual currency, or money service

I have tried for over three weeks to close my account at PayPal. I keep getting and error message that there is a computer problem. When I contact the company, they ask for reasons I'm closing the account. They are stalling and refusing to close my account for PR reasons only. There latest excuse is that my account is being reviewed and it may take 30 days to close my account. This is just another excuse. I want my PayPal account closed now!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  are actually doubling down. They are up to their old tricks. There was an account from XXXX that started with XXXX XXXX, that Got sold to XXXX  XXXX, then to XXXX XXXX XXXX 
I called XXXX. THEY couldn't find the account. I called XXXX XXXX and lady I spoke with said " account was charged off in XXXX '' .. she didn't say it was sold to XXXX XXXX XXXX but I have a letter trying to collect. XXXX to now XXXX is what? Almost 10 years, 7 years would have been XXXX, but the way it appears on my credit report, XXXX.. it appears that an account was just opened in XXXX with XXXX  XXXX, Then XXXX XXXX XXXX appears separately as a different debit.. well that is what they are trying to do. I thought after 7 years they could no longer collect or be on credit report.. I never received any notice from XXXX, XXXX XXXX, NO ONE. it appeared on my credit report from no where. I got divorced in XXXX. My ex-husband divorced me by public notice said I went missing when he knew exactly where I was, in the hospital. XXXX hours away and yes we were going to divorce but agreed to wait a year until my XXXX XXXX  and my XXXX XXXX  was better and I believed him like an XXXX.. and he pulled this stunt and got away with it and won a default divorce. Yes that's small town GA for u. He illegally got me out of our joint banking accounts, and I lost everything and I found out bc I was at the hospital and was informed my insurance was cancelled. I didn't have money {$5000.00} ; to retain an attorney. My parents believed this XXXX XXXX, and they believed I left with a man.. when it was really him with a girlfriend... He's that good of a liar. He opened up accounts during our marriage and I got stuck with the debt and he got everything... I went from high class to poverty.. and this XXXX from him keeps coming back up on my credit report over and over and I can't handle it anymore. XXXX XXXX XXXX needs to stop reaging accounts So they can keep putting them on the credit report and actually making them look like XXXX different debts.. please get involved. Im trying to rebuild my life.. and accounts I have opened I do pay on time every month.. I have been fighting with XXXX mainly to investigate this.. they say they do but they do not. I spoke to someone at XXXX and I was yelled at.. threatened and I'm not putting up with it.. please intervene.. this account is on my credit report illegally.. divided into SEPERATE accounts and it's making me XXXX. Im begging you to intervene and demand them to follow the law.
Product: Debt collection

Simmon banks owe me XXXX dollar i try to call them and have them write a check to me, and they aren't really communicating with me ... my account is already closed and they are starting to treat me badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was paid within 2 months and have contacted the lender 6 different times when asking to speak to supervisors they hung up on you and finally last attempt said this have been updated but ofcourse it's not. It should be a XXXX balance and they said its up to you to fix it just report us so that's what I'm doing.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Ga XXXX XX/XX/year> Affirm INC XXXX XXXX XXXX, FL XXXX XXXX XXXX, Ca XXXX Subject : Dispute of Fraudulent Charge Account Number : XXXX Dear Affirm, Subject : Dispute Under 15 U.S.C. 1692 Account Inquiry for {$600.00} Dear Sir/Madam, I am writing to formally dispute an amount of {$600.00} associated with my account, as outlined under 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ). I believe this charge is inaccurate and may have originated from an error or fraudulent activity. 
Please provide me with a detailed account of this charge, including any documentation that substantiates its validity. I am entitled to this information under the Fair Debt Collection Practices Act and would appreciate your prompt cooperation. 
Thank you for your attention to this matter. I look forward to your swift response. 
Sincerely, XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX, I made the final payments on a vacation package for XXXX XXXX. XXXX XXXX canceled the vacation the day before I was scheduled to leave. I filed claims against all of the forms of payment is used to pay the vacation package in full. XXXX XXXX promised a refund for the vacation to customers. I did not receive the refund as expected by XX/XX/XXXX, so I filed the claims with my banks and credit cards. ALL funds were refunded EXCEPT Chime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this two number two times with the credit bureau XXXX XXXX they took it off my credit report in a few months later they put it back on under two different names