23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted in XX/XX/XXXX about a debt owed from XXXX for XXXX from IC Systems. They did not verify the debt with me but told me the amount that I owed. When I spoke with them I told them that I was disputing the debt and that I owed nothing. Then there was a report on my credit report from them that has been for the past year. They have not furnished me with any ledgers or bills from XXXX and have been reporting for the past year. They are in violation of FDCPA 15 USC 1692 et seq., which requires that a debt collection agency use fair practices such as furnishing the correct information to a debtor if, in fact, they do owe the debt. XXXX can not furnish any documents of a past due bill either. I contacted them in XX/XX/XXXX and they could not furnish a ledger either. This has created a loss only credit reporting and there is not any accuracy of debt owed.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 reporting agency , block 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 XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$12000.00} 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 FICO 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: Debt collection

I hereby instructed to cease all collection efforts immediately or face legal sanctions under the Federal Fair Debt Collections Practices Act, 15 U.S.C. Sections 1692c and 1692k, which is incorporated and made applicable to creditors like your company by the XXXX Collection Practices Act, California Civil Code Section 1788.17
Product: Credit card or prepaid card

On XXXX XXXX dated XXXX, I received a notice via USPS dated XX/XX/2021 that a I had an issue with an electronic transfer which additionally indicated there was an error requiring me to respond to the notice. This notice also indicated that there were several other issues. 

I received s similar notice in late XXXX which I made a response via USPS that I had no affiliation nor type of credit identified in the notice. I attempted to contact via phone number provided ; proceeding further required me to input Names, SSN and Date of Birth. An attempt to contact via website required me to establish an account. Both methods have the appearance of some institution/individual ( s  ) attempting to collect personal information that may be inappropriately used on behalf of the consumer. That response went unanswered. 

I have do not do nor have this type of credit! 

Thank you for the courtesy of your immediate reply!
Product: Student loan

I contacted a supervisor with my loan service, Aidadvantage. I had done a consolidation and signed up for IDR. I received confirmation for both in correspondence on XX/XX/XXXX. The consolidation was completed on XX/XX/XXXX. 
When I called today XX/XX/XXXX, the supervisor told me that all IDR applications, including my application for IBR, had been frozen by the Department of Education until XX/XX/XXXX. I contacted the Education Department and they specifically told me this information was incorrect. IDR applications were not frozen and service providers were to process IBR applications.

Furthermore, the XXXX website specifically states that all loans are to be placed in an administrative forbearance for the first 60 days of processing. After the 60 days, the borrow will be place in a general forbearance that does not accrue interest until the application is processed. The website specifically says this is for all IDR applications not just SAVE. The supervisor refused to honor that and said that the Education website was incorrect. Again, I confirmed with Department of Education that their website and information was updated and correct. 
My first payment is on XX/XX/XXXX. I have no income as I am on XXXX 's XXXX On XX/XX/XXXX I had my second XXXX. Without IBR, I fear I will not be able to meet my obligations for payment
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. 
My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, OH XXXX 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 XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

Have car loan with Key Bank due date is XXXX of month began getting calls on XXXX received 2 calls advise them payment will be made on line on XXXX i have a 10 days grace on XXXX i received 3 more calls again told her payment will be made on XXXX on website. on XXXX received another call was told nothing notated on account. Called Key Bank was transferred to collections department was again told no notes on account informed her i just spoke with someone at XXXX XXXX and told her payment will be made on XXXX. She said she would note account so calls would stop Ask why i'm getting so many calls she didnt know why
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my XXXX and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX - Has violated my rights XXXX XXXXXXXX -Has violated my rights DEPT OF ED/XXXX XXXXXXXX - Has violated my rights DEPT OF ED/XXXX XXXXXXXX - Has violated my rights DEPT OF ED/XXXX XXXXXXXX - Has violated my rights XXXX XXXX XXXXXXXX - {$0.00} - Date Opened XX/XX/XXXX -Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX - Has violated my rights XXXX XXXX Has violated my rights XXXX XXXXXXXX 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 than records of convictions of crimes which antedates the report by more than 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 rights. 

15 U.S.C.1681 section 602A.. States I have the right to privacy.

15 U.S. C. 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

Once again, I 'm making another complaint against TransUnion for failure to remove inaccurate information from a credit report. Federal law requires that the credit bureaus report information on my credit file that is accurate and complete. I 've proven numerous times and have made numerous complaints against them for reporting information such as date that do n't exist, court names that are invalid, and reference numbers that do n't belong to the bankruptcy. 
You can find all this information in the documents attached. I also do n't understand how the credit bureaus can respond and say that these items are reporting accurately and meet the requirements of federal law when I 've proven, like I said, that this information is inaccurately and incompletely on there. Are you saying that a bankruptcy court name is not supposed to be listed as US Bankruptcy Court? You 're also saying that the city and state should be listed? You 're saying that " us bankruptcy court '' is the way that the court is supposed to be listed without listing the city and state?? 
I 'm appalled at the responses that I 've received not only from the credit bureaus but also from your government agency that is supposed to protect me against this abuse. It does n't matter where I pulled my credit report, this is the way that I 'm seeing these listed and the way that my creditors are seeing listed. You need to actually look at the documents that I 've attached and you will see exactly what I 'm talking about. Do n't just send this information to the credit bureaus without looking at it. I 've attached my letters, my previous complaints, and the proof directly from my credit reports that they are in violation of federal law. I require that these items are removed immediately and permanently from my credit report. I 've also made complaints with the Atty. Gen. of California, as well as the Better Business Bureau. 
I would like to see the actual, physical documentation that supports their reporting of these XXXX items. Congress states in XXXX versus Trans Union from XX/XX/1997, that the only legal form of verification is the physical documentation. In addition, there required to have this physical documentation prior to ever reporting it on my credit report. So why is it so difficult for them to send me these court documents when they supposedly already have them? Even if they do have them, they can not prove that they 're even reporting these items accurately. I have the proof and the proof is exactly what I need for these to be removed. I 've already retained an attorney, and my attorney gave me the advice to make one more complaint and send one more round the letters before I take legal action.
Product: Debt collection

XXXX XXXX with Evergreen Professionals called one of the XXXX offices about me to collect a debt.

1. I am not allowed to take calls at work as that is a misuse of state resources- I've shared this with him before yet he fails to comply 2. The deparrment he called I no longer work at. He made the lady who took the call very uncomfortable with there conversation 3. He announced he was attempting to collect a debt 4. He called my personal phone and left a message that he is collecting a debt- I don't have my name listed on the voicemail. That message could have been left for anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 than records of convictions of crimes which antedates the report by more than 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. 
on XX/XX/2XXXX XXXX acct # XXXX XXXX original creditor XXXX XXXX balance {$2300.00} XXXX XXXX XXXX  XXXX XXXX original balance XXXX current balance XXXX this company sold the account to XXXX and they are trying to get money from me FDCPA 15 USC 1692 ET SEQ. THIS COMPANY DOESNT OWN THIS DEBT AND ON MY CREDIT REPORT IT SAYS XXXX THE COMPANY XXXX IS SAYING XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I received an alert from Experian that XXXX XXXX XXXX had placed a debt on my credit for {$30000.00} for unpaid rent at a home XXXX XXXX XXXX XXXX, IL where an eviction was filled. I contact Snap and ask for the lease with my signature, and they provided me with a lease with a digital signature that I did not sign electronically. at the time of the lease my name was not XXXX Mister it was XXXX XXXX ; I did not have any Identification in the name XXXX Mister. My daughter was in middle school during that time where she attended XXXX XXXX XXXX in XXXX, IL and she was in the XXXX, XXXX, XXXX grade during the time of the lease. That is an hour and XXXX commute to the school and around XXXX hours back. I could never have been able to afford that. My daughter is now a freshman at XXXX XXXX XXXX in XXXX, IL and she has attended the XXXX school district since kindergarten. I was divorced XX/XX/XXXX and changed my name the next day. I have been in contact with the Cook County Court house, and they are working with me to Seal the eviction and remove it. I noticed that Experian has Snap Debt Recovery Pending to go back on my credit report. I have filled and FTC report which includes Snap and the address as fraud and Identity theft. I have lived in XXXX IL since XXXX.
Product: Checking or savings account

I signed up for a Bank of America checking account and was supposed to be given a {$100.00} bonus if I met the requirements. I verified with multiple customer service people that I met the requirements and have been told each time to give more time for the bonus to post, it has been past the time when they said it would post.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report. 

On XXXX XX/XX/2023 I notice unauthorized hard inquiries on my credit report, Id like them removed because I did not authorize the report to be pulled for any reason. 

XXXX XXXX XXXX XX/XX/2023 from XXXX Santander XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX Santander Consumer Usa XX/XX/2023 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My most recent payment of {$9500.00} on XX/XX/2019 and my XXXX loan has been settled in full.
Product: Debt collection

I dont owe any money to XXXX. I left them months ago with a XXXX  balance. I left at the end of my contract with everything paid off. I keep getting calls constantly and its getting old. Please stop trying to collect something I dont  owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX   about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. XXXX XXXX Date of inquiry : XX/XX/2020 3. XXXX XXXX Date of inquiry : XX/XX/2020 4. Identity Theft XXXX/DOFED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

6. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX  Account Number : XXXX This is not mine. 

15. Identity Theft XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card

Comenity Capital Bank, part of Bread Financial, creates late fees by setting an arbitrary cut-off time to submit payments on your due date. The self-imposed time of XXXX XXXX is there for no reason other than to generate revenue for Comenity Capital Bank .

At this point, my debt with them should have almost been paid off if it wasn't for this practice. I have never, NEVER, been late more than a day and that is only because of this arbitrary cut-off time, they have created.

I have tried many times to work this out with them. They stonewall me at every turn, They claim the cut-off time is so they can take payments out the same day ... that has never happened. They take it out almost a week later in some cases the payment date. ( will attach proof, payment made on XXXX taken out on the XXXX ) In most places, the quickest turnaround time for payments between banks is XXXX day. With the way payments are made through FTP servers and text documents, Their argument that they have set a time limit of XXXX XXXX to make sure they get paid the same day is laughable. They have caused multiple late fees while I still have XXXX hours left on the due date to inflate their profits. 

For the record, they have made their money back almost in full at this point if not completely. They aren't out any money, there is no risk on their part.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report incorrect information on my credit report for the account listed as XXXX  XXXX Account # : XXXX. There are several inconsistencies within the account which means this account has not been properly verified. 

Account Status : Derogatory Derogatory Closed Date Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX balance : {$1600.00} {$0.00} {$0.00} High Credit : {$1600.00} {$1600.00} {$0.00} Credit Limit : {$1400.00} {$1400.00} {$0.00} Past Due : {$1600.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Late 120 Days Unknown Last ReportedXXXXXXXX XXXX XXXXXX/XX/XXXX Date Last Active : XXXX XXXX XXXXXX/XX/XXXX Date of Last Payment : XX/XX/XXXXXXXX XXXXXX/XX/XXXX
Product: Student loan

I was taken to court by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) for owing money on past due student loans. I have reached out to their legal representatives " XXXX, XXXX XXXX XXXX, XXXX. '' many times over several months to obtain proof of ownership of the loans. The law group has told me many times they have sent XXXX these request but I still have not received documentation necessary to prove they have ownership of the loans they are suing me for. 

PS - XXXX also does not list their contact information publicly and XXXX, XXXX XXXX XXXX, XXXX. will not provide it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX 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 than records of convictions of crimes which antedates the report by more than 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: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605  B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.