23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX I closed my XXXX account because I had to live abroad for more than a year. My bill was prorated and I paid it promptly. Three months later my account was reactivated bXXXX XXXX  without my permission. I was sent a one month bill. I contacted XXXX XXXX again, and after few additional calls my account was closed. This one month bill of {$70.00} was sent to Amsher Collection Services and I received a {$140.00} collection notice. I filed a complaint with them and never heard back from them. Few months later I received another collection bill from XXXX XXXX XXXX XXXX. I filed a complaint again, and was never contacted back. Recently, checking my credit report I found that my account was reported to the credit bureau by Amsher Collection Services. Called them, and was told that the account was reported by XXXX XXXX XXXX. Called XXXX XXXX, and was told to pay them {$75.00} to take reporting off my account. I believe I do not owe money to any of this companies.
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX With a line of credit from Onward Credit, you will be charged interest on the daily principal balance. The daily periodic interest rate applied to your daily principal balance will be 1.09315 % ( which corresponds to an Annual Percentage Rate of 399 % ). By making payments that are larger than the minimum amount due, or by paying your balance in full early, you can significantly reduce the cost of your loan. 

Transaction Fee When you utilize your line of credit to take out a cash advance, a 20 % transaction fee will be assessed on the amount you borrow. For example, if you take out a {$200.00} advance, {$200.00} will be deposited into your bank account and you will be assessed a transaction fee of {$40.00}. Please note that the entire amount of cash advance will be deposited into your account and you do not have to start paying the transaction fee until your next statement due date. 

Principal Balance The daily principal balance ( upon which the interest rate is applied ), is determined by taking the beginning principal balance of your account each day, adding in any new Cash Advances, and subtracting any Principal Payments received that day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress Collection opened XX/XX/2020 is unrecognizable to me. I have never done business with either XXXX XXXX or congress collection
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted dispute and they have failed to inform me of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I am being hit with 2 Hard Inquiry 's from XXXX card I never made or authorized said inquiry 's I tried calling XXXX which they had said they would remove these inquiry 's due to the fact they are fraud and I did not currently request a XXXX Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's negligence has ruined my life. They had been sending my bills to an old email that belonged to my mother seven ( 7 ) years ago. They had my address and phone number on file, as they used those to verify my identity when I called, however, they never reached out to me through these avenues. My credit score fell from XXXX to XXXX. I'm not able to buy a house or a car and I have no idea how they plan to have me pay them back without the ability to acquire a reliable form of transportation. I contacted them, they said since my account was 90 days past due they would automatically deny any complaints I filed to them. The credit bureau told me to contact XXXX and " buy something like a refrigerator to rebuild '' my credit. ODE told me they are unable to do anything but if I feel wronged then I can try to sue them or the loan provider and see what happens. I have truly given up all hope.
Product: Student loan

Hello, My name is XXXX XXXX. I am reaching out in regards to a my student loan inquiry, currently held at Tenaglia & Hunt. I have tried to contact the law firm multiple times in hopes to begin some sort of dialog with them and prevent this from going into court. My loans were tracked down from XXXX XXXX, to XXXX XXXX, to Tenaglia & Hunt. I am concerned with the status and well-being of myself and of my loan.
Product: Mortgage

My house was stolen. 

1. XXXX XXXX XXXX Illinois XXXX XXXX ( XXXX XXXX ) commenced a foreclosure complaint with a summons. 
2. I filed an Answer to respond the complaint 's claims and formally raise my defenses and filed an Appearance. 
3. XXXX XXXX moved for a motion for a summary judgment. 
4. I replied to the motion of the summary judgment and requested to strike to dismiss the case. 
5. XXXX XXXX failed to provide its answer to my reply. 
6. XXXX XXXX requested the judge for an extension of time. The Judge allowed the extension. 
7. XXXX  XXXX failed again to provide my answer. 
8. As a result, I moved a motion to request the judge to strike and dismiss the case with prejudice. 
XXXX. The judge entered a judgment to STRIKE OR WITHDRAW MOTION OR PETITION ALLOWED on XX/XX/2011. 
10. The STRIKE OR WITHDRAW MOTION OR PETITION ALLOWED. In foreclosure its used to dismissing the case, remove the case from the court, and the case was allowed by the court to be withdrawn. 
11. When the case is dismissed with prejudice, the plaintiff is barred from filing a lawsuit on the same issue. 
12. When a summary judgement is granted and the case is dismissed with prejudice, it is a final order or judgment, and the plaintiff can be appealed. XXXX XXXX XXXX Illinois XXXX did not appeal. 
13. After several years, XXXX XXXX XXXX Illinois XXXX XXXX proceeded a legal action. Instead of filing a new case, they took the old, dismissed case number and forged, altered and redacted key information on the case. 
14. They redacted my Answer the complaint filed, Appearance, motion to dismiss, numerous motions, memorandum in support of motion file, and proof of services filed. 
15. They went to a judge and claimed I failed to file my Appearance and failed my Answer of the complaint and requested a default judgment. The judge allowed the judgment. With a default judgment, XXXX XXXX XXXX Illinois XXXX got everything it asked for in the complaint, including the right to sell your home at a foreclosure sale. 
16. I never knew I was foreclosed and that my house was sold. I had gotten a letter from XXXX XXXX XXXX Illinois XXXX sold my house by assignment to an investor. The investor told me that I was in foreclosure, and I needed to do a modification loan, or I would be evicted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
17. The foreclosure and the assignment were fraudulent, and they didnt have to right to sell my house.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under trafficking as defined by the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage.According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX.
Product: Credit reporting

There is a delinquency on my report which is not mine and this needs to be corrected by Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TRANSUNION credit report i have XXXX inquiries that do not belong to me nor did i authorize. the 1St one is XXXX  XXXX on XX/XX/XXXX, 2nd one is XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, 3rd is XXXX bank XX/XX/XXXX, 4th one is XX/XX/XXXX & 5th XXXX Mortgage XX/XX/XXXX. THEY REMOVED ONE PREVIOUSLY that was a XXXX bank inquiry but did not removed the others as promised. this is absolutely insane that I have to go threw so much over inquiries, I was told if I did a freeze they would remove my inquiries and did not. Please REMOVE THEM, they are NOT mine! THE POLICE WOULD NOT do a report as it was an inquiry and there was no accounts open. 

On my XXXX report I have XXXX inquiries that do not belong to me, The 1St one is XXXX XXXX on XX/XX/XXXX, 2nd One is XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, The3rd one is XXXX XXXX MORTGAGE on XX/XX/XXXX XXXX lease REMOVE THEM, they are NOT mine! THE POLICE WOULD NOT do a report as it was an inquiry and there was no accounts open!!!
Product: Credit reporting or other personal consumer reports

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate credit accounts reporting. 


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  I do not have contracts with these companies, and I don't owe the debt. Please verify that my personal information is accurate when verifying this debt. I've noticed these companies falsely reporting inaccurate information regarding my social security number. My social security number listed on my credit report is completely different from my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I filed a bankruptcy law number XXXX, which was approved. In XX/XX/2018, I filed a claim with the bank through credit karma, stating that the mortgage loan was not included in the bankruptcy, since it was never in arrears. Because the bank report XXXX balance and payment for the mortgage loan. What I was looking for was for the bank to activate again the account and the credit report. The bank 's response was to delete the account from my credit report, which has negatively affected my credit score from that point on. 

Today I called the bank, the person who answered me told me that I had to make the claim through XXXX XXXX. I called XXXX XXXX and the person who answered me told me that I could not do anything since the bill is not reflected in the credit report and proceeded to give me the Federal Trade Commission information.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
US DEPT ED XXXX {$3400.00} US DEPT ED XXXX  {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7700.00} US DEPT ED XXXX {$5500.00} US DEPT ED XXXX {$3400.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4200.00} US DEPT ED XXXX {$4100.00} XXXX XXXX XXXX Balance : {$22000.00}
Product: Credit card

citi in their respone alleged there were XXXX citi accounts ... 

i did not have XXXX accountsplease provide any proof of fully executed contracts or agreements regarding your remarks
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to discard the following inaccurate items. 
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: Money transfer, virtual currency, or money service

Unresolved dispute with Vystar Credit Union and seek your assistance in reaching a resolution as soon as possible. Utilizing the services of Vystar Credit Union, a total of XXXX USD was transferred from my account to the fraudsters impersonating a legit XXXX XXXX through Crypto.com using trickery, manipulation, advanced money extraction techniques, and lies.
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, Department of EducationXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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.has violated my rights. 

XXXX/DOFED # XXXX XXXX/DOFED # XXXX XXXX/DOFED # XXXX XXXX/DOFED. # XXXX XXXX/DOFED. # XXXX XXXX/DOFED. # XXXX XXXX/DOFED # XXXX XXXX/DOFED. # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C section 602 ( a ) s- 2 I have the right to privacy 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. 
15 U.S.C 168c ( a ) ( 5 ) States no consumer report on items of information other then records of conviction of crimes which antedates the report more then 7 years
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding unauthorized credit inquiries appearing on my Experian credit report. Despite my repeated attempts to resolve this matter directly with Experian, no action has been taken, and I have received no correspondence or evidence of an investigation. Unauthorized Inquiries in Question : XXXXXXXX XXXX XXXX XXXXXX/XX/year>. Actions Taken : XXXX. XX/XX/year> : I sent a written dispute letter to Experian, requesting an investigation into these inquiries. I made it clear that the inquiries were unverified, unauthorized, and unrelated to any account or credit application l initiated. I also requested : Proof of the investigation. Evidence showing | authorized these lenders to access my credit report. Immediate deletion of the inquiries if they could not provide the requested proof. XXXX. XX/XX/year> : I followed up with a second written dispute letter to Experian, reiterating my concerns and restating my requests for investigation, verification, and potential removal of these inquiries. Experian 's Lack of Response : To date, I have received no correspondence from Experian confirming receipt of my dispute, nor have I been provided any evidence of an investigation or proof that these inquiries are legitimate. This failure to respond and act in compliance with the Fair Credit Reporting Act ( FCRA ) is unacceptable and a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX and NCB management service which is the same debt!! However XXXX XXXX was apart of multiple state class action lawsuits were the judge ruled in the consumers favor that XXXX XXXX had to buy back or cancel the debit of all the subprime loans and pay restitution to the consumers! I was apart that lawsuits I have received my check however the debt is still on my credit report plus they sold the debt to NCB management Service and it on my credit in fact its still in collections in they are trying to collect the debt from me however the judge rule that XXXX must buy back the debt in wipe it from my credit that hasnt happened! Total amount XXXX
Product: Debt collection

I was a victim of identity theft and when I saw a collection from Second Round LP it freaked me out. I went to the FTC & Identitytheft.gov website and filed a case. They instructed me to fill out and notarize a ID Theft Affidavit. It 's been over 30 days and no response. What do I do? XXXX. Not trying to give a sad story it 's just, .. how do I fix this when I follow what the sites said. Please help thank you. XXXX
Product: Debt collection

On XX/XX/2018 a company called my father 's phone and called itself ARS and demanded that I call them to settle some legal matter. If I didn't a XXXX XXXX by the end of the day she threatened to take immediate legal action, freeze my bank account, garnish my pay and call my employer. At no time did she indicate who she was working for or for that matter what the name of her comapny was. 

My father called back and was informed that it was Atlantic Recovery Solutions and he hung up. Immediately after hanging up someone left a message from the same company that '' the apple doesn't fall far from the tree '' I am autistic and this does not help my situation. I do owe XXXX XXXX XXXX some money and have been trying to settle the matter.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles handling of disputes. Particularly in light of cfpb lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting issues my financial institution and Zelle failed to investigate my claims efficiently. They informed recovering lost funds was impossible. The CFPB findings show that Zelle not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving customers vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to Sam club recently to inquire a Business Credit Card. I purchased a XXXX XXXX for {$110.00} to start the process. I then filled all the paperwork out regarding my business information. ( Address, XXXX, & so on. ) The store representative then states the application is trying to convert its self to a XXXX XXXX, which is NOT what I asked for. I made it clear XXXX times I have enough Personal Cards, I just need a Business Credit Card through them to help supply my business as needed. She then called corporate and was put on hold I waited for XXXX XXXX to talk to someone. She picks up other calls incoming on another phone & then places the corporate call on speaker. When they answer she places the other conversation on hold, takes corporate of speaker and tells them for some reason the application type switched over and she cant change it. She gives me the phone I explain that isnt what I asked for they ask for her again for some information off her cpu. She gets put on hold again. She soon responds to someone telling them what happened then say here he is and hands me the phone. I say hello, a man responds Im tryna see about a credit card I applied for a XXXX XXXX Clearly thats wasnt corporate, I tell her she says Im sorry idk what happened I can give you their number. I got the number and had no choice but to leave at that point. Call them myself the tell me they can take it back which may be true but I asked so now what am I to do they basically said I need to contact credit bureau because its out of their power at this point. So ultimately I was also denied meaning I dont have the card but even if I was accepted it still wasnt what I inquired for. So shortly after my credit was hit for the hard inquiry of course. Im trying to get it removed and corrected. Please and thank you.