23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

started receiving calls approximately a week ago from a company Called the Stafford Group located in California. Tel number ( XXXX ) XXXX from a XXXX XXXX XXXX STAFFORD GROUP AND ASSOC 1940 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They are trying to collect a debt that they say i owe in the amount of over {$1000.00} which is not even close to the charge off amount by the bank. I contacted the bank today to find out that the account was sold to someone else. During this time, there has been possible fraud on my social security number and drivers license information all within the same time period. In the meantime, i have freezed all credit reports and placed a fraud alert on my records. 
They claim that i have been mailed collection letters which to date, i have not received and they also promised that they would send me an email to collect because they do not want to use paper because electronic files work best for them.
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1200.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 my father XXXX opened up a loan under XXXX XXXX. I XXXX noticed that there was a XXXX XXXX loan ( {$3200.00} ) that I never had. I contacted them in regards to it and spoke to my father. The company wouldnt answer the phone and tried their best to rush me off telling me your information is on it so its your loan. Once my mother went to the store they gave her a printed out copy of the check without having to show any sort of identification. They also informed her that it happens often here when she asked how could they mix up information. I disputed the account but XXXX XXXX continues to state that its mine after I expressed to them that I never walked inside of a XXXX XXXX and that my father told me that he indeed signed and cashed the check.
Product: Bank account or service

Fith third bank ( contribution reference # XXXX ) reported inacurrate information to Early Warning system. As a result it reflects my report in a very bias way. After contacting Fith third bank on this matter, they ask for my information to see if they could resolve the matter. I.E. my account number or debit card number XXXX, Business name XXXX XXXX XXXX personal name XXXX XXXX XXXX. After giving this info they informed that they didnt see anything that was reported. So im asking for this matter to be investigated and release of any negative info on my report .Thank you
Product: Mortgage

PLEASE SEE ATTACHED NOTICE OF ALLEGED BILLING ERRORDISPUTE, PAYEE IDENTIFICATION DISCREPANCIES, AND REQUEST FOR CLARIFICATION OF CONSUMER CREDIT REPORTING AGENCIES TRADELINES IN CONNECTION WITH PROPERTY OWNERS AND CONDOMINIUM UNIT ASSOCIATIONSACCOUNT NOS : XXXX, XXXX, AND XXXX, INSURED BY THE UNITED STATES FEDERAL GOVERNMENT [ AGENCY CASE NUMBER : XXXX ] AND RECEIVABLES. XXXX XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

While I received an account statement, I did not receive an itemized cleaning receipt on what needed to be cleaned. I have not received any evidence of the inspection checklist and photographic evidence to show that cleaning was needed in the unit. 

I spent 4 hours cleaning the apartment and have attached the photos below.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I deposited {$100.00} into a Cash App account. I accessed the account a few times ; however, when attempting to in XXXX of this year, my account could not be found. I contacted support twice via phone which led to an email exchange with a support manager. Initially, it seemed hopeful, but in the end he stopped responding. 

Note that at the manager 's direction, I created a new account using a different email address. 

Attached is the email thread, including an image of the debit card transaction from my bank statement. Also, attached is list of emails that I received from Cash App over time. 

As I stated in the email exchange, there is no doubt that I had an account at one time.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I recently filed a complaint, your ID number XXXX. 

The investigation for this account on my credit report has exceeded the 30 days allowed for investigation. I have attached the images below confirming when my original letters were submitted to all 3 Credit Bureaus which confirms the dates of receipt. 

Per the FDCPA, under law, if a credit reporting agency fails to complete an investigation within 30 days, the account/and or trade line must be removed. 15 U.S. Code 1692g
Product: Credit card

Sent a Remittance Notice of payment to AMERICAN EXPRESS for my credit card bill Havent received a response as to the status of my account update.
Product: Vehicle loan or lease

Hi, Regarding Loan # XXXX When I took this loan out it was at a 17 % interest rate. Ive paid close to {$24000.00} and XXXX XXXX paid over {$6000.00}. I got in a car accident on XX/XX/XXXX I literally had just made a payment that morning before the car accident. I was told that they would be willing to settle at the beginning of XXXX. On XX/XX/XXXX a check was disbursed Santander claim they didnt receive it. That happen 2 more times in a 4 month period until it was paid finally in XXXX of XXXX. I went to file a claim for Gap  insurance I took out when I received the loan. They did not give me any information on the criteria or policy for payouts. Santander multiple times express when the check comes in they would back dated. They intentionally did not post 3 checks from XXXX  until we literally tracked the 4th one. I called and told them we had proof someone from there office signed for it and then it get posted by this time my loan is now with the charge off dept. this should not ever happened it was intentional. They wanted me to continue to make the payments and collect the settlement amount from XXXX. They agreed to this settlement amount but continue to reach out to me for the remaining balance of over {$4000.00}. If anything they should be giving me a 3rd of what I have paid back and apologizing for not holding the loan in a status where it would not go to the charge off queue backdated the check so it would post accordingly without all that extra17 % interest occurring on a DAILY SIMPLE INTEREST LOAN!! They truly ripped me and my father whos XXXX years old hes had 4 XXXX  and this has impacted us in such an emotional, physical and financial way that I have no words to say only thing I can do now is file a complaint. Lets be clear I paid that loan without any issues if I needed help I made them fully aware with this unrealistic interest rate of 17 % with a co-signer and it being a Daily Simple Interest loan. Im so angry and hurt with all of this. This is highway robbery. 
Thank you for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Heres a description that outlines your situation clearly : -- - Two employees of Experian admitted during a recorded phone call that the company does not perform investigations into disputes, which directly violates federal laws under 15 U.S.C. 1681i ( requiring credit reporting agencies to conduct reasonable investigations into disputed information ) and 15 U.S.C. 1681n ( providing for civil liability for willful noncompliance ).

I disputed multiple inaccurate accounts listed on my credit report, requesting verification and validation of their accuracy. However, the accounts were summarily marked as " verified '' without any evidence that Experian conducted a proper investigation. I received no documentation detailing the steps taken during the investigation, no identification of the individuals or entities involved, and no records supporting the validity of the disputed accounts. This lack of transparency and failure to meet statutory requirements highlights Experians failure to adhere to its obligations under the Fair Credit Reporting Act ( FCRA ). 

Such practices undermine consumer rights and perpetuate inaccuracies in credit reporting, directly impacting my financial reputation and standing.
Product: Credit card

Dear CFPB, On XX/XX/XXXX, I opened American Express Business Platinum card for my business XXXX XXXX According to American Express Terms & Conditions XXXX XXXX XXXX XXXX XXXX, I need to spend {$15000.00} in three months to get XXXX American Express Member Reward ( XXXX XXXX points. I met this spending requirement on XX/XX/XXXX of {$15000.00}. After deducting {$690.00} American Express Member Fee, I actually spent {$15000.00} before/on XX/XX/XXXX. This amount is more than {$15000.00} which is specified by American Express XXXX XXXX XXXX. 

However, American Express stated that I did NOT meet the spending requirement and therefore to NOT offer me the account open Member Reward points of XXXX. I have called and chatted with American Express on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and American Express opened two cases ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) for the issue. So far, there is no resolution from American Express and they still insisted I did NOT meet the spending requirement even though American Express Card Transaction Activity clearly showed I spent {$15000.00} between XX/XX/XXXX and XX/XX/XXXX. 

I sincerely request CFPB help me resolve the issue. It has been lasted for more than 12 weeks and American Express must offer me the Member Reward points as it is specified when my account was opened. 

Thank you so much for your help. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/22, XX/XX/22 and XX/XX/22 I purchased 4 {$500.00} Apple gift cards for a total of {$2000.00}. The cards I received were not activated despite the packaging holding the cards being correctly activated. This was confirmed with Apple gift card support. Despite this problem being recognized, Apple gift card support refused to help correct the problem. I was in contact with Apple gift card support over the telephone and email multiple times between XX/XX/22 and XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT OF EDXXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXX, OHIO XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXUS DEPT OF ED/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the unauthorized reinsertion of a XXXX XXXX charge-off ( Account # XXXX ) on my Equifax credit report. This account was previously deleted yet has been illegally reinserted without proper notification, violating 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act ( FCRA ). 

Additionally, I am attaching a Federal Trade Commission ( FTC ) identity theft report confirming that this account is fraudulent. This means Equifax is knowingly reporting inaccurate information, which is a direct violation of FCRA XXXX ( a ) and FCRA XXXX ( 15 U.S.C. XXXXi ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After working on my credit from XX/XX/XXXX to XX/XX/XXXX. My credit score went to approx. XXXX. In XX/XX/XXXX I was car jacked in XXXX on my way to XXXX, XXXX to start a new job with the State of XXXX.on XX/XX/XXXX. I had personal papers and belongings in the car. From that point on I did not do any derogatory things to my credit. I believe the last time I did was in XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Can you imagine how frustrating it is to work hard and manage your finances responsibly, only to check your credit report and find errors everywhere? These inaccuracies have not only damaged my credit score but have also had a serious impact on my life. My credit is essential, especially during emergencies, and every paycheck is already stretched thin. This situation is beyond stressful, and I need immediate action.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) these accounts in violation of not reporting 100 % accurate. 15 US code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days!

It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The items I need deleted are listed in the attached files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts 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. 
XXXX XXXX XXXX : {$2900.00} XXXX  XXXX Balance : {$32000.00} XXXX  XXXX Balance : {$33000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$5300.00}
Product: Debt collection

I have a military star card and it went into collections after I had some trouble with changing my account while I transitioning out the military. Any way I have been trying to resolve this debt for a while and even offered to pay month to month. One guy I offered that to denied the payment and said it wouldn't be enough. I believed I offered XXXX dollars a month since that was what I can offered at the moment. I then called back and tried to offer a settlement since they took around XXXX $ from my tax returns. When I get a notice in the mail and the statement shows how much I owe it is from military star and not from XXXX. XXXX tells me its like XXXX more then the statement says when I try to pay them. I called XXXX again just recently and tried to get information on all the options I have to handle this account and the operator quickly got disrespectful. She rushed me and said I can pay in full now or set up a payment plan and if I can't do that its nothing she wanted to talk about. I then just told her again I just wanted a little more information she then said she not arguing with me and then tried to hang up on me, she said goodbye. I then remained on the line and she came back on disrespectful again and I just said I was trying to have a real conversation so I could get this cleared up. I then asked for her managers number and she gave me this phony number that rung once and auto reply answered and replied I have reached an unassigned number XXXX and hung up. Here is the number XXXX
Product: Payday loan, title loan, or personal loan

I feel this is a Predatory Loan/Lending with Subprime Lending with a High intrest Rate and fee with High Monthly Payment and the Balance does not go down. My loan #  XXXX  from  OneMain Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # 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 that a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector. or the express permission of the court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

My XXXX XXXX XXXX XXXX was not working properly. XXXX sent me a new set of equipment to fix the issue when they shouldnt have. I ended up canceling the service because the Technician that came to my house said there is no way to fix the issues in my location. When the XXXX came to my house he took both sets of equipment with him ( the one that was already installed and the new one that XXXX sent by accident ). XXXX is stating they never received the equipment back that they sent by accident when their Technician is the one who picked it up from my house.
Product: Debt collection

On XX/XX/2023, I had a message left that threatened for someone to come out to my house or work to sign XXXX civil court correspondence. They stated that I needed my license and another person to sign as a witness... this is the number given to call XXXX. This was XXXX XXXX  XXXX for the amount of {$3300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter including a signed settlement and release of claims to get an account that was agreed upon by the US COURTS to remove with payment of this account. Ive requested this 3 times and there has been no investigation, no communication. Please see attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$86.00} are reporting on my personal credit file with ( Equifax/XXXX/XXXX  XXXX credit reporting agency . These inaccurate addresses and account were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Product: Debt collection

I don't often check my credit and recently had a check up and ran into a lot of fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened is its been over 30 days I need help. 


XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian.. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies yet.
Product: Credit reporting

Experian is in violation of FCR A 15 U.S.C. 1681, 611 ( a ) ( 6 ) and ( 7 ).  They continue not to investigate the inaccurate information that they are reporting on my credit file. They have not provided me with Physical evidence as to who, what, where they are getting this inaccurate information. They are speculating and putting " information has been updated, '' and " remains. '' None of which show me how exactly they verified any of the inaccurate accounts on my file. I have provided a description of each inaccurate account and case law surrounding what FCRA laws there are to abide by, which they have not been doing. If there is no evidence to prove the verification my next step will be to file a complaint with the Florida  States  Attorney and get resolution through the courts.
Product: Credit card

I was the victim of ID theft and a family member opened a fraud account in my name. I have tried to dispute this account with Discover card but they keep saying it is valid and it belongs to me. Of course it would look like its mine cause my Identity was stolen!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX  ) 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.c 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.