23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call this morning from a group that identified themselves as a courier service that wanted to make sure that someone would be available at my home to receive legal documents. 

When I asked what legal documents the person was referring to they let me know that they would have to transfer me to XXXX XXXX who had more information on the situation. XXXX, the representative for XXXX XXXX let me know that Ace Cash Express was seeking a civil suit against me for a remainder owed on a payday loan from XXXX of 2015. 

When I just spoke with XXXX she let me know that her company was not a debt collection company and that was why she failed to let me know that her call was an attempt to collect a debt. It was my understanding from our conversation that she was representing XXXX XXXX in a civil suit being levied against my by Ace Cash Express. 

However, Instead of providing me with just that detail XXXX told me that I could resolve the Civil Suit by taking care of the remaining balance due with a credit or debit card over the phone with her. I gave my information to avoid any further possibility of a civil issue and XXXX told me that the suit would be cleared immediately.
Product: Debt collection

I received a call a few months ago, about a bill in the amount of {$1300.00} from service dating back to XX/XX/XXXX and i had no notice before this call about this bill, no calls and no bills. If i have no notice about a bill from 5 years ago how can can they do this to me now? 
I am also pretty sure when i got the call they said the date of service was from XX/XX/XXXX which would make it XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNBC/JCP Opened in XXXX, sold to another company XXXX. 

I have disputed this directly with SYNBC/JCP as it is beyond the legal time frame and also they have never provided me proof that the debt was actually even mine. According to section 609 of  the FCRA and backed by the the credit bureaus are required to send copy 's of the original documents, which I've never received. The information they are reporting is outdated and can not and has not been verified. 
I have since been in process of buying a home and thought easiest was to get it removed was to just pay it off. I paid it to XXXX XX/XX/XXXX and got it deleted directly with XXXX  XX/XX/XXXX, but I am still having an issue getting the original creditor to delete it from all 3 CBR. I am not reaching out to CFPB for any help possible in this matter. PLEASE HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is suspicious accounts on my report and I never gave permission for any of this information. See attachments below thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency XXXX and paid for deletion. This account is still being reported as open, with a balance. I have submitted proof of payment along with a dispute for inaccurate reporting. Next will be litigation, if not resolved in a timely fashion.
Product: Debt collection

I have repeatedly asked for evidence to support inaccurate information being reported on my credit file from XXXX, XXXX and XXXX. The debt collection agency has failed to provide viable evidence substantiating their claim. 

The following debt collection agencies have not complied which in addition is a violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Portfolio Recovery Associates PYOD Cavalry Portfolio Services
Product: Credit card or prepaid card

Opened business credit card with Citizens bank. Bank did not explain credit card terms and how the card worked during sign up. I pay card off every single month on centresuite app. I unexpectedly get a bill in XXXX for {$8000.00} ... .after viewing monthly statements every month on app that states nothing is owed on my account. 
I call citizens business credit card. They tell me that my credit has been hit, i owe {$1000.00} in fees and that the app just shows what is due on the card that is " attached '' to the business card, not what is due on the actual acct. Every payment I made, only goes toward resetting my card every month. The business card was adding up ad attaching monstrous fees to it. I have never heard of any bank or credit card company doing anything like this!!! It is horrible!
Product: Checking or savings account

On XX/XX/2021 My husband and I visited the XXXX XXXX Chase Branch ( XXXX XXXX XXXX XXXX XXXX, AZ ) and after waiting 50 minutes in the lobby, we were greeted by XXXX XXXX XXXX, a relationship banker. We told XXXX we needed to open a safety deposit box. We let him know, we had valuables in hand that needed to go in there, as we were only in Arizona for the weekend to close on our new home. We let XXXX know we were moving from XXXX to the XXXX XXXX area, and were selling our XXXX home. As soon as XXXX learned that significant funds ( roughly XXXX XXXX ) would be coming to Chase, he suggested we upgrade our accounts, open a savings account. We politely declined, as we were only visiting the branch with one motive - to open a safebox to store our valuables inside. XXXX kept pushing and insisting that we upgrade our accounts based on the balances that we would be keeping with the bank. We started to get upset, as it was nearing the branch closing times, and we still did not have a safebox open. XXXX treated us with disrespect, and almost as if punished us, for not wanting to have our accounts upgraded by telling us we no longer had time to open a safe box. If he had stopped pressing the sales pitch, he would of been able to perform the safety deposit box opening in time. He was abusive and deceptive, and was only out for himself. I understand that opening a box leaves him with no commission, but an account upgrade and new money, would leave him with several hundred dollar commission. We had to leave the bank without getting a box opened, which was a waste of our time. XXXX was disrespectful, unprofessional, deceptive, abusive, and irresponsible. XXXX 's behavior is a risk to Chase as it exemplifies poor judgement and may affect the Bank 's overall reputation risk.
Product: Mortgage

Starting in XXXX, Fifth Third began applying my mortgage payment 3-4 business days after it was sent by my bank XXXX and received by them. This has happened in two concurrent months. XXXX has confirmed the money was deposited in the correct account. I have not had this issue in the past. Fifth Third has not provided a good reason for the change and I believe they are unethically not posting the payment to collect additional interest from me and potentially others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I accessed my credit report today and noticed a hard inquiry from XXXX XXXX XXXX in XXXX, GA ( XXXX XXXX XXXX XXXX  / XXXX ) on XX/XX/XXXX. 

Also there is one from XX/XX/XXXX from XXXX XXXX XXXX  XXXX  ( XXXX  ) I currently have a finance loan with XXXX XXXX and never inquired with either company for one. There would be no reason as my car is almost paid off. 

Their contact number XXXX is not for XXXX XXXX XXXX. Their correct number is XXXX XXXX XXXX XXXX per XXXX. 

Also there is no contact information for the XXXX. 

I don't know how much this affects my credit however wanted to put this information on file. 

Thank You
Product: Consumer Loan

In XX/XX/2016 I entered into a contract to lease a new vehicle. I was informed by the finance Mgr at a meeting at the dealership that i would receive payment information from Kia finance in the mail. After several weeks of not hearing anything i returned to the Dealership and asked the Finance Mgr about the lack of info on the lease payments. His response was " do n't worry they will send the info ''. after several more weeks i again returned to the dealership and again inquired about the lack of info on the payments. Again i was told by the Mgr that sometimes it takes awhile and not to worry. 
A few weeks later I received a statement informing me that i was in arrears and they wanted two months payment and added a late charge of XXXX which they continue to do monthly I called the finance Co. ( XXXX ) and spoke with their Rep. I was informed that the charges were justified and i had to pay. When questioned about the lack of information necessary to make the payment they informed me that the dealership probably did n't submit the paperwork in a timely manor. 
From the day I received the first statement i have scheduled my bill pay service to pay the original amount of {$450.00} on the XXXX of the month which was and continues to be one day before being late. 
However, KIA finance company then takes my payment and applies it to what they consider a late payment making my payment short of the {$450.00} required and adding another late fee. 

I have made at least 4 calls to Kia Finance including speaking with supervisors to try to work this situation out only to be told to pay up. I have made every payment in a timely manor and will continue to do so.I have tried several calls to the dealership Finance Mgr and have been ignored and at this point do not know where to turn and am asking for your help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a credit alert from three different monitoring agencies that I have subscribed, stating that my TransUnion credit score dropped 20 points. This despite drop occurred dispite fact that there has been no change nor has any derogatory information been placed on my file. Upon calling TransUnion, the customer service representative had no explanation to the drop in score. 

For the better part of the last year, I have been diligently working to remove erroneous and fraudulent matters that were attached to my credit file. Each one of my efforts, either through direct dispute with your company or through the Consumer Financial Protection Agency have been resolved in my favor. To date I have drafted, faxed, mailed and/or uploaded over 15 different matters to TransUnion which I disputed and had removed. 

None of these disputed and removed matters would have initially been placed on my credit file if your agency had done a modicum of investigation confirming the accuracy of the debt.

Because of TransUnions financial relationship with such institutions as XXXX XXXX and other credit lenders, there is an intentional effort to keep those trying to rebuild a credit rating from achieving that goal by sporadically and systematically manipulating the credit score downward, forcing the consumer into a high fee/high interest rate credit card situation. 


On XX/XX/2019, I received a credit alert from three different monitoring agencies that I have subscribed, stating that my TransUnion credit score dropped 20 points. This despite drop occurred dispite fact that there has been no change nor has any derogatory information been placed on my file. Upon calling TransUnion, the customer service representative had no explanation to the drop in score. 

For the better part of the last year, I have been diligently working to remove erroneous and fraudulent matters that were attached to my credit file. Each one of my efforts, either through direct dispute with your company or through the Consumer Financial Protection Agency have been resolved in my favor. To date I have drafted, faxed, mailed and/or uploaded over 15 different matters to TransUnion which I disputed and had removed. 

None of these disputed and removed matters would have initially been placed on my credit file if your agency had done a modicum of investigation confirming the accuracy of the debt. 

Because of TransUnions financial relationship with such institutions as XXXX XXXX and other credit lenders, there is an intentional effort to keep those trying to rebuild a credit rating from achieving that goal by sporadically and systematically manipulating the credit score downward, forcing the consumer into a high fee/high interest rate credit card situation.
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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

I have disputed 2 medical collections on my Experian credit report numerous times over the past year. Two accounts from XXXX XXXX ( Account Numbers XXXX and XXXX ). They keep coming back verified. I then write the collection agency a debt validation letter 5 times in the last year with tracking numbers! I never get a response from the collection agencies. <P/>I have forwarded all my correspondences, the collection agencies letters to Experian, and proof of delivery, only for them to not delete the invalid records. Two accounts from XXXX XXXX were updated as PAID/Closed by the collection agency. I never made a payment and never would have on a debt that does not belong to me. <P/>I have numerous times requested and advise me as to the name ( s ) and address ( es ) of the medical provider ( s ), the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete. If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided, so I can contact them. If Experian can get a response I want a copy of it so I can pursue HIPPA violations and legal remedies. <P/>They refuse to delete these invalid records. I have requested numerous times method of verification and whom they spoke to so I could contact them. How do you they keep verifying a debt when I ca n't? I have been dealing with these 2 invalid collections for over a year now. <P/>I have even reached out to hospital where the alleged debt occurred, with no response.
Product: Debt collection

I was incarcerated on XX/XX/XXXX until my release XX/XX/XXXX, and this dent is from XXXX or XXXX of XXXX. I couldn't have opened this account while I was in prison in Indiana
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries XXXX not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Birthdate XXXX XXXX FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that NEW AMERICAN FUNDING conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that NEW AMERICAN FUNDING will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Product: Credit card

It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Product: Credit reporting

Transunion have erroneous information on my credit report and refuse to allow me access to my free credit report because the answers to the questions they ask are not correct. The questions they ask are not applicable to me and every time I get it corrected after a few weeks they return the erroneous info to my credit again. This is affecting my employment and my financial reputation
Product: Credit reporting, credit repair services, or other personal consumer reports

my exs lived with while i realize i attract the XXXX  of the earth, and divorced both. they agreed to pay these debts they created in my name withot my permission but have yet to do so. how can I get these off my credit report as they are not my charges. if you look my bank family savings credit union my light bill all my bills are paid on time im not ever late. 
I trusted my husbands that lived with me, they took advantage and had access to my persona ; stuff and info we were married. i did not give permission or know anything about this. i divorced them for this reason. plase help me straighten my credt out. accounts they did were XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, you name it in XXXX if any cards or credit isnt bad it isnt mine. look and call my bank family savings credit union ive never misses a payment and my phone is through XXXX  i have always had prepaid or government phone. im on XXXX im very low income i dont live above my means. I dont like being punished for someone elses stuff on my credit it isnt right nor fair!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation.
Product: Debt collection

Following a debt in question related to a visit to the hospital emergency room where, as an insured individual, a co-pay was paid in a timely manner, I received a collection notice from Transworld Systems, Inc.(TSI) at www.transworldpayments.com regarding a balance of XXXX for XXXX Emerg Physicians Acct. # XXXX which translates to TSI Reference number XXXX. The debt did not appear valid so I disputed the amount within the 30 day allowance and requested further information from the debt collector. Without producing this information to me for consideration, TSI informed XXXX, XXXX, and XXXX of the amount in question, resulting in an immediate negative impact on all XXXX of those particular credit scores, affecting my ability to lease a new home.

While the debt in question may be valid, I have been unable to contact TSI via their publicly posted phone numbers and by the phone number listed on their written correspondence which is XXXX. I have called their numbers multiple times over several weeks within their hours of operation noted as Mon-Fri XXXX to XXXX EST. I have left numerous voicemails, sent emails, and post and unable to get a customer service representative on the phone to discuss this matter. 

I am extremely upset that this company has reported a debt to XXXX third parties and further that they are completely negligent in responding to inbound inquiries. Further, their online user account system is completely insufficient as I am unable to log-in, contact support, gather information, or spark action of any kind using this venue.
Product: Debt collection

There is a debt from a company called Diversified Consultants stemming from an XXXX XXXX XXXX XXXX  equipment return. Ive returned the equipment and spoken each of the companies who have both confirmed that no debt was owed anymore. This was opened XX/XX/2018 and there is absolutely nothing I owe at all. Please help me delete this from my credit report. Ive done everything Inwas suppose to do.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX Account XXXX XXXX Account name : XXXX  XXXX Account number XXXX Account name : XXXX XXXX Account number XXXX Account name : XXXX XXXX Account number XXXX Account name : XXXX XXXX  Account number XXXX Account name : XXXX  Account number XXXX Account name : XXXX Account number XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX OF XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.