23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THIS IS NOT A REPEAT DISPUTE!!!!!! I WAS SUED BY SECURITY CREDIT SERVICES LLC ON XX/XX/XXXX AND AGAIN ON XX/XX/XXXX. I WAS NEVER PROPERLY SERVED IN EITHER CASE!!! I HAVE ATTACHED THE COURT DOCUMENTS THAT FURTHER VALIDATES MY CLAIM!!!! 

CONSUMER FINANCIAL PROTECTION BUREAU ; DO YOUR JOB AND ENFORCE THE LAWS I HAVE PRESENTED BEFORE YOU!!!! 

SECURITY CREDIT SERVICES IS VIOLATING MY CONSUMER RIGHTS. Per 15 USC 1681e ( b ) Accuracy of report, SECURITY CREDIT SERVICES sued me on XX/XX/XXXX and again on XX/XX/XXXX in the amount of {$12000.00} and they did NOT report it to any of the credit reporting agencies, as they were supposed to do. Not to mention, I was NEVER SERVED with the proper documentation that would inform me of a court date. The nature of those negligent actions caused for all of my credit files to have numerous inaccuracies on all of my credit reporting agency files. SECURITY CREDIT SERVICES also violated 15 USC 1681 ( b ) s-2 ), and 15 USC 1681 ( c ). This tradeline needs to removed from my credit file because it out of the State of Maryland statutory limit on collecting a debt, which is 3 years. This debt was charged-off in XX/XX/XXXX. And this debt was opened on XX/XX/XXXX ; it is AFTER the LEGAL STATUTORY TIME LIMIT to collect a debt. SECURITY CREDIT SERVICES is not legally contacting and collecting on a debt that NEVER ORIGINATED with SECURITY CREDIT SERVICES. This is another violation, UCC 3-203 Transfer of Instrument. This is another violation that SECURITY CREDIT SERVICES is committing against my consumer rights and creating a financial hardship on me. The CONSUMER FINANCIAL PROTECTION BUREAU is supposed to enforce the FCRA and the FDCPA rules against rogue entities acting on their own behalf instead of within the guidelines that they are suppose to follow within the CFPB. 

THE CONSUMER FINANCIAL PROTECTION IS NOW BEING PUT ON NOTICE THAT IF THEY DO NOT HANDLE THEIR FIDUCIARY DUTY AND ENFORCE THE LAWS THAT I AM PRESENTING TO FURTHER VALIDATE MY CLAIMS THE CONSUMER FINANCIAL PROTECTION BUREAU WILL HAVE SANCTIONS FILED AGAINST THEM FOR NON-COMPLIANCE OF THE LAW.
Product: Debt collection

I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY INC XXXX XXXX
Product: Mortgage

I have taken pictures of the last XXXX statements Ive received and I have noticed theres a significant amount of increase! I dont know if this increase is correct and XXXX asking consumer financial protection bureau XXXX take a look into my increase and see if its correct because XXXX having a very hard time paying my mortgage! If the increase is correct, I will have to pay my mortgage but if the increase is not correct the bank should be held liable for their mistake. XXXX also afraid I will lose my home due to this increase. Please take a look. Attached are the statements as follows : XXXX of XXXX, XXXX of XXXX and XXXX of XXXX Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

Today, XX/XX/2019, I received two letters from KeyBank that indicate accounts have been opened in my name. I have never opened these accounts and have no relationship whatsoever with KeyBank.The letters were dated XX/XX/2019. 

This morning, XX/XX/2019, I called the Key Bank 's published fraud hot line. The number I called is XXXX. I found it at this url : https : //XXXX I explained the situation of the fraudulent accounts to the Key Bank agent , but they refused to close the accounts or verify they even exist unless I provide them with my social security number. 

This seems unacceptable to me on multiple levels. First, Key Bank is likely negligent in failing to verify my identity and allowing an imposter to open this account in my name. Second, Key Bank makes it *my* problem to resolve the issue, demanding sensitive personal information from me when I never asked for any relationship with them at all, and then essentially wiping their hands of the injury they are causing me, not to mention my lost time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX   XXXX Equifax shows people as having " your personal information may have been impacted '' regardless of what name or SSN was entered. This hack is either fake or being leveraged by Equifax to get people to sign up for their paid credit monitoring.
Product: Debt collection

I have paid this debt with the original creditor XXXX XXXX XXXX XXXX Merchant and Professionals collection agency is still reporting it as unpaid. Please validate and delete. I received online notification from all three credit bureaus on XXXX XXXX that Merchant and Professionals Collections place an account on my Credit report in the totals of. {$190.00}. Merchant and Professionals violated the FACTA section 623 ( A ) ( 7 ). They did not properly notify me by mail before placing a negative item on my credit report. This debt can not be validated, I do not owe this debt.
Product: Credit reporting or other personal consumer reports

This complaint serves as a formal appeal for the removal of remaining fraudulent entries from my Experian credit report, specifically to eliminate an unauthorized credit inquiry and an inaccurate address currently listed. Upon reviewing the most recent copy of my credit report provided by your bureau, I identified that both the unauthorized inquiry and the inaccurate address remain unaddressed. The details of the items in question are as follows. 
EXPERIAN : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2022 XXXX XXXX XXXX CO XX/XX/2022. In line with the Fair Credit Reporting Act, I urgently request the immediate elimination of the unauthorized inquiry and the rectification of the inaccurate address mentioned above. Additionally, I request that a revised copy of my credit profile be dispatched to my provided address. Should there be any findings suggesting the inquiry was authorized or the address was indeed associated with me, which I firmly contest as it has never been my address, I request a detailed explanation of the investigative process utilized, to be shared with me within 15 days following the conclusion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

from when i orginnaly filed report has been more then 30 days
Product: Credit card

In XXXX XXXX my account with home depot was at XXXX.a month later in XXXX XXXXhome depot issued a new card to another address and change my email. For another email..from there that other person stars making purchases at home depot in my name..

How did they change the email in with home depot always sent me datails of my account i never received my account statament.until the collection call started.they told me that a check issued by me the chase bank had no fund.it should be stated that i do not have an acccount in that bank.i started to find out and i realized that this person had made purchases at home depot for more that my credit witch was XXXX dollars.from there i called many time which is the one that made the collections calls and i reported it since octuber of the previus years. Without any solutions to the fraud carried out in my ho.e depot account
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. I ALSO SENT YOU A LETTER ON XX/XX/2022 AND YOU RESPONDED 2 DAYS LETTER SAYING PROCESSED, HOW IS THIS POSSIBLE.You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified or processed that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " REMOVE THIS ACCOUNT '' XXXX XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$310.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$100.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX {$190.00} XXXX XXXX XXXX XX/XX/XXXX -- {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$510.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$4000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1000.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$430.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$340.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax responded to a CFPB complaint informing me that they were going to delete the inaccurate account. However, it is still on my report! Equifax needs to do exactly what they informed CFPB that they were going to do, which is delete this account immediately!
Product: Credit reporting

My fathers location is where my tax form was sent, i wasnt on the property at that time and told him to keep it safe. A tenant living on the property confiscated it. I move back file my taxes and everything seems good, not being very aware of the issue at hand wasnt very careful with personal info and was tricked into releasing certain information. I am new to this please help.
Product: Debt collection

I contacted XXXX XXXX XXXX on XX/XX/19 regarding a letter I received in an attempt to collect XXXX. I asked if these claims had been filed through insurance and was told that it was simply too late to file ( regardless of the fact that I told her we had issues with our insurance company during the time of the claims ) and that this amount would be added to my credit report by XX/XX/XXXX if I do not pay regardless of payment arrangements. When I contacted the insurance company, they were more than happy to begin the process of refiling the claims as it was no fault of my own that they were denied. 

In my opinion, this was a deceptive tactic to collect monies owed rather than inform me of my options. She did tell me I could follow up with insurance, but then said it was too late. This felt like she was leading me not to follow up by saying, " At this point it's too late for insurance to be filed. Most insurance companies only have window of time that claims can be filed. Outside of that window they will be denied ''. 

XXXX also told me that they remove negative impacts from credit reports once they are paid in full, but I paid off a medical collection bill with them quite some time ago that still remains on my report after I was promised it would be removed.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have looked over all three of my credit reports and noticed a fraudulent account and some inquiries.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX  XXXX  Account Number : XXXX Amount : XXXX XXXX XXXX  : XXXX : {$0.00} Date of Account : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Despite multiple communications and efforts on my part, these unauthorized transactions remain unresolved, and the lack of progress is unacceptable. Discovered unauthorized transactions on my account statement. Immediately reported the fraudulent items to your customer service department and was assured that the matter would be investigated. Followed up to inquire about the progress and was informed that the issue was being escalated for resolution. Received notification of an investigation but no tangible progress in removing the fraudulent items. Made additional calls and submitted supporting documentation, but the unauthorized transactions persist. This prolonged and unresolved situation has caused significant distress, and I am deeply disappointed by the lack of action taken to rectify this matter promptly. I insist on a resolution within the exact timeframe from the date of this letter. The following items should be remove as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My ex-girlfriend set up internet service in my name with XXXX XXXX XXXX and all I know is that she called me on the phone with an agent from XXXX XXXX XXXX and he asked me for some personal information. I was not made aware that the account was only in my name and not hers and mine. I also never received any billing statements at my address from them. Apparently she didnt pay for some months and I never received anything saying that anything was owed or past due because if I had I would have had seen that the service was in my name only and that she was not paying. I would then have had service disconnected to avoid owing anything more and would have disputed what was owed like I am doing now. I did not find out that anything was owed until I was contacted by phone by a collections agency saying I owe {$340.00} for the bill. That was the first time I had heard anything about owing anything about that. My credit score has since dropped XXXX points because of it. Its sad when a womans only way of getting internet service is to XXXX over a man like this and what is worse is that these companies like XXXX XXXX XXXX are allowing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt to calvary portfolio collected through payroll garnishment awarded to them through the XXXX county Alabama circuit Court. This account still shows as open and in collections with a balance of {$290.00} on my credit report. It has been disputed and they say that it is correct but I can not even get in contact with Calvary.
Product: Debt collection

I keep receiving mailed notices that I owe XXXX XXXX {$340.00}. The debt was from a residence in Texas. I have never lived in Texas. I am born, raised, and still live in California. I believe this debt is a result of ID theft or just plain misinformation.
Product: Student loan

I am writing to express my deep dissatisfaction and frustration with the handling of my Public Service Loan Forgiveness ( PSLF ) application and loan consolidation process. 

On XX/XX/, I submitted my application for PSLF with the understanding that my loans would be consolidated and transferred to MOHELA, as indicated in your communication. Regrettably, the promises made have not been fulfilled. Despite multiple requests for the transfer, my loans remained with the original servicer. 

Furthermore, it has come to my attention that my servicer failed to correctly account for all my payment credits that should have been included while my loans were in forbearance. This oversight significantly impacts my eligibility for loan forgiveness. Additionally, the COVID forbearance payments, which should have been counted, were not properly applied to my account. These payments, when correctly accounted for, would bring my total payment credits well above the required threshold of XXXX payments for loan forgiveness. 

I believe that my PSLF application and loan consolidation process have not been handled with the due diligence and care they deserve. The failure to correctly consolidate my loans and properly account for payment credits has put my financial future and my pursuit of loan forgiveness at risk.
Product: Credit reporting or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

It feels like a massive waste of time to have to write this complaint, but without doing so, nothing will get resolved. I opened this credit card, the card was never shipped to me. I had waited for several weeks and had to call in. From the start they were going to tell me it would take another week or two to receive it. I stated very clearly that it was already their fault I did not have it, I wanted to make a large purchase with said card. I had to speak to a supervisor to get a next day card. 

Fast forward to my first statement balance. The website would not allow me to add any payment information, I tried several times. I eventually had to call the customer support line and provide this information over the phone which I was not happy about. They paid my bill over the phone and i was under the impression they signed me up for auto bill pay. I have very strong credit, I enroll in auto pay for all my credit cards, mortgage, etc. 

Fast forward to last week while I was on vacation, I saw I was past due on a payment, no email was sent to me.. I went into the payments section to explore why a payment was not sent.. all my checking account information was gone from the website. I did not modify this on my own. It was just gone.

So not only did I not receive an email reminder ( paperless billing ), but my payment information was gone so I was unable to easily make a payment from my phone. I had to find a laptop, while on vacation, just to gather all the necessary information to post a payment of the full account balance.

Fast forward to today, I had to speak to an IVR and give 5 -6 voice prompts just to speak to someone. They gave me the general statement about a 1 time XXXX $ credit for late fee, assuming I pay my next balance in full, etc. I said I want the full XXXX credited because this is bank is a comedy of errors. 

Why does paperless billing not send me an email to alert about upcoming payment? 

Why is my payment information suddenly gone? 

Why doesn't the bank look into my support interaction to see the initial trouble I had with this bank and have empathy for a customer? 

This all feels like they are setting up customers to fail and have to suffer late fees. XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX  are EXTREMELY easy to work with. Comenity has a frustrating user experience. 

I regret I have to write a review over XXXX $ but this is what it has come to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX