23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at Upgrade on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX on XX/XX/XXXX with a balance of $ {$550.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

In XX/XX/2021 a card was opened in order to receive a promotional offer. This offer included XXXX XXXX XXXX miles and a {$250.00} credit, if applicant spent XXXX dollars in the first 3 months of opening card. 

This promotion was not honored- so costumer service was noticed ( 5 ) times. It appeared another account was made with the writers social security number. 

I was not able to dispute this account, as I was told that the bank needed to contact the other party to ensure it was not a typo. I have contacted the bank for updates and was told that they could not share the process for security purposes. At this time there is no resolution in my case. I was never given my promotion.
Product: Student loan

I have been getting scammed by XXXX  This is through Navient who claim to work through the Department of Education, they have a contact number of XXXX. I have been believing I have been making payments for my student debit and have come to find out through XXXX that I have not made a single payment. I've have already contacted the bank and they are putting a stop to the payments, but I wanted to make you aware that Navient send out paperwork through the mail and had me fill out the IDR plan request that XXXX has and has a account number for me and everything that is not real. Navient sent me paperwork days before XXXX did and makung me believe they are the first steps before XXXX, which I have come to found out isn't true.
Product: Credit reporting or other personal consumer reports

I seen a hard inquiry today on XXXX XXXX and email. I didn't apply for any loans it's say some CIC MORTGAGE.i don't know who they are why they run my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted a dispute to Equifax to an item in my credit report. The item is a revolving credit account with XXXX/XXXX  of XXXX FL. This account is reflected on my credit report although I did not open the account. On XX/XX/2020, Equifax resolved this dispute by providing a statement from XXXX/XXXX   indicating I was an authorized user. Neither Equifax nor XXXX provided any documentation reflecting my agreement to this authorized user status, nor did they provide any documentation showing what charges were made by the " authorized user ''. At this time I am requesting those documents. If it can show I neither authorized this user status or no charges were made by me ( authorized user ), this should be removed from my credit report and my name removed from that XXXX/XXXX  account. 

Since I am not the primary member on the XXXX/XXXX  account, the situation could not be discussed with me. 

Thank you
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXXXXXX 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. 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 ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS. 15 U.S.C. 1681S-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: Debt collection

Greetings, My name is XXXX, I have Stipulation of settlement with TOLIN & WAGMAN which I agreed to pay {$380.00} per month, beginning XXXX XXXX until the sum of XXXX will pay in full. On XX/XX/XXXX Due to the loss of my father- in-law with XXXX and I had reduced of income. I have called Schrier Tolin & Wagman and I talked to XXXX and asked her if I can pay lesser amount than {$380.00}. She told me I can pay {$200.00} every month due to COVID-19 everybody is having problems paying their debt. Since XX/XX/XXXX I have been paying {$200.00} a month. Sometimes I pay 2 months together $ XXXX {$500.00} because they do not accept less than {$400.00} on credit cards payment. The last payment was XX/XX/XXXX for {$400.00} for XXXX and XXXX. On XX/XX/XXXX I have called Tolin & Wagman, I spook with XXXX who confirmed to me on the phone and by email, I am okay on paying {$200.00} a month. On XX/XX/XXXX the office of Schrier Tolin & Wagman confirmed to me in writing that I can pay {$200.00} on the XXXX of every month until the settlement is paid in full. I do not understand why I am paying as agreed {$200.00} a month since XX/XX/XXXX and XXXX XXXX Tolin enter judgment against me. Since XX/XX/XXXX every time I call the office, they tell me I am fine on paying {$200.00} a month. I am doing my best to pay my settlement in full by the end of the year. As of today, the balance is {$2500.00}. XXXX XXXX Tolin is doing his best to collect the full amount before the settlement, he does not want to work with me to pay my settlement. I have called and sent emails the TOLIN & WAGMAN office they keep hanging up on me. They do not want to find solution. They are making it difficult for me to pay my settlement, so they can enter judgment against me. Their XXXX is to collect the full amount before the settlement. They tricked me. I have been paying for 2 years, now I am almost done paying my settlement they want me to pay more. I have seen several customers complaint online about this company scamming them of their money. They need an immediate investigation. 

Please check the XXXX XXXX : Schrier, Tolin & Wagman, LLC Reviews and Ratings | XXXX Schrier Tolin And Wagman XXXX XXXX, MD XXXX | XXXX Schrier & Tolin , LLC | Reviews | XXXX XXXX XXXX Profile ( XXXX  ) Thank you so much for your time on this matter. 

Best Regards, XXXX XXXX
Product: Debt collection

Merchants Adjustment Services keeps filing collection notices on my credit reports, and renewing them every month. These collections efforts have to do with medical bills that XXXX XXXX XXXX approved at he time of the service, but then later refused to pay. 
They obviously can not get the payments out of XXXX XXXX XXXX XXXX so they are coming after me as the easier target. I have a XXXX credit rating, but these clowns keep pulling my rating down by filing non-payment charges on my credit every month in efforts to force me to pay debts that are XXXX XXXX XXXX XXXX responsibility. 

Help!
Product: Credit reporting or other personal consumer reports

I am formally file a complaint regarding the inaccurate reporting of late open accounts on my credit file. Despite many numerous attempts to rectify this issue, the accounts in question continue to appear as late, significantly impacting my credit score and financial reputation. 

Despite my efforts, the late open accounts persist on my credit report, causing unwarranted damage to my creditworthiness and hindering my ability to access favorable financial opportunities. This situation has caused me considerable stress and frustration, as it undermines the integrity of the credit reporting system and unfairly penalizes me for inaccuracies that are beyond my control. 

I urge you to investigate this matter promptly and take immediate action to correct the errors on my credit file. Additionally, I request that you provide me with a written explanation of the steps you are taking to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Furthermore, I expect to be compensated for any damages incurred as a result of these inaccuracies, including any fees associated with credit monitoring services or adverse effects on loan approvals and interest rates. 

Please treat this complaint with the utmost urgency and provide a timely response. Failure to address this matter satisfactorily will compel me to escalate my complaint to the appropriate regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance : {$250000.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Debt collection

Called XXXX, XXXX on XX/XX/XXXX, on or about XXXX pm, to report XXXX payment will be late do to circumstances beyond our control and that payment will be made on or before XX/XX/XXXX. I asked that the missed payment not be reported to the credit bureau. I asked for discretion in this matter. The agent stated that by law, the missed payment must be reported. I disagreed and asked to speak to a supervisor. A person came on the line that was extremely belligerent, argumentative and unkind. He spoke over me and scoffed at the idea of good customer service. I questioned whether he was a supervisor because of his demeanor and asked for his name. He said his name was XXXX and then he spelled his last name as " XX/XX/XXXX '' Essentially, he told me to XXXX XXXX. He threatened to liquidate my home for the missed payment because he said the missed payment indicated I could not afford to repay the loan, so they would have to take the house. I indicated that since we have been in the XXXX modification progam, this was the first missed payment. He said he did not care. I asked that the missed payment not be reported because we will be making the payment soon. He said it was a federal law that it had to be reported. I asked what law was that. He said I had to do my own research. Mean while he was yelling and very hostile and talking over me. He also was very offensive. I would like the recording reviewed and he be dealt with appropriately. I would also like an apology for the offensive behavior. Further, I would like the reporting to the credit bureau of the missed XXXX payment waived. The payment will be made on or about XX/XX/XXXX. There is a discrepancy with the wages the payment will be made from and we will not have access to it until on or about XX/XX/XXXX.
Product: Credit reporting

Related Case Number XXXX Related Case Number : XXXX I have attempted to work the following matters out with the information Furnishers, XXXX XXXX XXXX ( XXXX pending litigations against ) and XXXX XXXX XXXX ( Filing a case soon ) for violations of the Fair Debt Collection Practices Act - FDCPA FCRA - Fair Credit Reporting Act, and TCPA - Telephone Communications Act Of 1991 Experian responsible since it continues to allow reporting of inaccurate information. 

The account was reported under XXXX XXXX XXXX and then they sold the account to XXXX XXXX XXXX, both companies reported the same item on my credit report. 

Furthermore, as required under the Fair Credit Reporting Act the credit bureau is required to notify me within 5 days of re-insert date, which has long since past. 

" 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ''
Product: Credit reporting or other personal consumer reports

I am submitting this complaint in regards to the inaccurate and unknown things on my credit report. Please verify that all information is 100 percent true, accurate, correct. Please remove these items in my file. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

1. XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX Date of inquiry : XX/XX/XXXX 4. XXXX XXXX Date of inquiry : XX/XX/XXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. XXXX Date of inquiry : XX/XX/XXXX 7. XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 8. XXXX Date of inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX Account Number : XXXX 10. XXXX XXXX XXXXXXXX Account Number : XXXX 11. XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX 13. XXXX XXXX XXXXXXXX Account Number : XXXX 14. XXXX XXXX Account Number : XXXX 15. XXXX XXXX Account Number : XXXX 16. XXXX Account Number : XXXX 17. XXXX XXXX Account Number : XXXX
Product: Debt collection

XX/XX/XXXX - financed an XXXX XXXX from XXXX under account XXXX. Watch value {$320.00}, down payment {$140.00}, remaining financed under 24 month term. We understood that as long as theres a current account with XXXX XXXX, the monthly financed amount will be offset by monthly equipment credit. Effectively, the remaining of the financed amount is supposed to be free as long as we have a current account with XXXX XXXX. 

XX/XX/XXXX - account set up with XXXX XXXX on the purchased equipment + XXXX phone lines port over from XXXX. We brought the invoice from the equipment purchase from XXXX XXXX and acknowledged life got in the way of setting up service on the watch right away. Despite that, XXXX XXXX erroneously set up a separate account for the service XXXX, thus decoupled the service from the equipment. This account was set up on autopay. Due to the decoupling, XXXX XXXX system assumed that theres no service set up on the financed equipment, and threw the account in default. 

XX/XX/XXXX- we were notified that the account XXXX ( account that the equipment was purchased ) was in default and sent to collection agency. We reached out to XXXX XXXX and was told that it was fixed and customer rep acknowledged that it was all a mistake. 

XX/XX/XXXX- we were notified that account was still in default and collection agency started calling everyday. XXXX XXXX said theres nothing that they can do since its been sent to collection agency ( legally I still only owe XXXX XXXX, not Collection Agency ) and accumulated even more late fees. 

XXXX XXXX inability to fix billing issues and account set up with us is the root cause of this illegitimate collection amount. They have shirked every responsibility and my attempted to resolve with them directly. I have spoken numerous times with their customer reps and they all verbally acknowledged their errors. Yet when I disputed the debt with the collection agency, I dont believe the relevant facts were provided and the collection agency was still actively pursuing this illegitimate amounts of debt. 

Attached are the original financing agreement, first bill with service in XX/XX/XXXX, account statement on the equipment account showing the equipment credit ( this is proof of how the financed amount was supposed to be free ), and latest account statement with service that shows the account is in good standing.
Product: Debt collection

After pulling my credit report and noticing Midland credit management is trying to collect a debt from me, I sent them a certified letter asking for debt validation on XXXX, 2021. 

It is now XX/XX/2021and I have still not received any correspondence. I want this account deleted from all credit reports.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Refused to respond to previous letters to validate dept. Until I asked for a validation they had not billed me or attempted to collect any monies, now they have destroyed my credit and continue to try and collect without providing me information requested to prove I actually owe this debt. Threatened additional " action '' even though they have not attempted to provide me with any information on this debt. ( including but not limited to : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Provide me with a COMPLETE itemization of my payment history with the original creditor )
Product: Mortgage

*NOTE to the CFPB : First of all, we want to Thank you so much! for stopping the robbery and saving us from our mortgage servicer in 2018 during an attempt to railroad us into a foreclosure for absolutely no legitimate reason whatsoever. 

But since we found you towards the end of that ordeal, we didn't get a chance, but we need to provide details about how it all began, and we will do that within this complaint because it is also related. 

But this complaint is being made because, even though we have been waiting for quite awhile, US BANK has not returned the money that was taken from us during all the chaos and illegal activity.

We also want to stress to the US Bank Customer AdvocacyPlease DO NOT send us any more un-signed letters in the mail. 

Or statements about an investigation that the nameless person never does ; and they never contact us for more information as they claim in the letter, that they will do. 

Right now, WE WANT OUR MONEY BACK. 
But if you must write, the letter must be SERIOUS and SIGNED by a real person with a CONTACT NUMBER, which is REQUIRED anyway, if you are truly providing CUSTOMER SERVICE. The person must also be in a position to help us to solve our issues and recover our money, because we have been mistreated for far too long. 


But since we need answers to some serious questions, we will also report the incidents to additional regulation and investigation agencies. We may even write XXXX, XXXX, and others because we are distraught, and just can not understand how banks are robbing customers of their hard earned money, and simply getting away with it. 

Please see the uploaded Compliant and the Evidence. 

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

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer ( XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Credit Limit {$100.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - Terms Revolving Responsibility Individ XXXX REPORT XXXX  VIOLATIONS )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax you have verified this account I have found 6 violations on this account from Bank XXXX XXXX  which is fraudulent reportingXXXX $ XXXX dollars you can make payable to me or remove this account forever I will except the removal for the violations you are reporting or I can file with the courts on this matter
Product: Debt collection

In XXXX of XXXX I canceled my XXXX mobile account with no money owed. I had 5 lines that I ported over to another XXXX The next month XXXX tried charging my credit card for another month of service I called and they credited my account XX/XX/XXXX but only after I did a 3 way call with XXXX and the new carrier to prove that I had ported over all of my lines. On XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. They suspended the service of an account that I didn't have on XXXX and again on XX/XX/XXXX. They again attempted to charge me on XX/XX/XXXX then on XXXX they disconnected the services again. On XXXX they credited the account back. Then on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. On XXXX they again suspended the service again. XXXX charge attempt then on XXXX another suspension. This cycle went on until XX/XX/XXXX where they finally closed the account. In XX/XX/XXXX they sent it to collections for {$1300.00}, I wasn't notified of this until XX/XX/XXXX. I made several attempts to get this resolved. I finally got a rep to credit the total amount back and sent me two seperate emails of {$680.00} and {$690.00} on XXXX. They sent {$680.00} to the collections but have not sent the rest. I've disputed this with now resolution from XXXX even with them saying the account is closed with XXXX balance.