23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I PULLED MY CREDIT REPORT ON XXXX TO FIND NOTHING BUT COLLECTION COMPANIES REPORTING TO ALL THREE CREDIT BUREAUS OF ACCOUNTS THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED NOTICE OR PHONE CALLS REGARDING THESE ACCOUNTS. THE COLLECTION COMPANIES ARE AS FOLLOWS : 1. XXXX XXXX XXXX  XXXX- ACCOUNT XXXX  XXXX ( NO KNOWLEDGE ) 2. XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) 3. XXXX XXXX  - ACCOUNT XXXXXXXX  ( NO KNOWLEDGE 4. XXXX  XXXX  XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) THESE TWO COLLECTION COMPANIES ARE REPORTING THE SAME ONE ACCOUNT AND IT APPERAS THAT IC SYSTEMS , INC HAD THE ACCOUNT FIRST AND THEN SOLD IT TO XXXX XXXX. IC SYSTEMS FELL TO STOP REPORTING THE ACCOUNT, NOW THERE IS TWO COLLECTION COMPANIES REPORTING THE SAME ACCOUNT. 
5. IC SYSTEMS , INC -ACCOUNT XXXX XXXX XXXX ( NO KNOWLEDGE ) 6. XXXX  XXXX  ( NO KNOWLEDGE )
Product: Debt collection

I hired a public defender and was required to pay XXXX dollars. I filled out a form that they say was never received to give me an extension due to no work or reduced hours. I tried resolving this with the company and even called someone in the courts. Now because the time elapsed I owe XXXX dollars and this is on my credit report. I told them I have no problem paying the XXXX or even half of the XXXX, but they would not work with me. The collection company is called State collection services in XXXX, WI.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXXXXXX XXXX XX/XX/2022 These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

I accepted a settlement offer to make 12 consecutive payments of {$49.00} to settle my debt. It was agreed I would send in a money order by the XX/XX/XXXXof each month. I made a payment each month beginning XX/XX/XXXX. XX/XX/XXXX payment was shown delivered at XXXX XXXX on XXXX XXXX. The company states they terminated my agreement because the payment did not post to the account until the XXXX. I  have all documentation and yet the company will not honor the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Continuing case from case XXXX. Now I have a police report of all my a ccounts. You guys put me in XXXX XXXX. Ill get my money back but bank of America put a false claim in to XXXX XXXX. You guys put me in there. You guys get me out. XXXX That I lost. Remove me from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received alerts from XXXX XXXX that XXXX hard inquiries occurred on my credit around the same time. One was from " XXXX '' through XXXX. The second was from " XXXXXXXX XXXX XXXX '' through Equifax . I did not apply for credit accounts through either XXXX of these. Apparently, someone has tried to open what looks like XXXX credit card accounts using my social security number with these XXXX retailers : XXXX and XXXX XXXX. I have already contacted XXXX to cancel the card, but I am currently trying to notify XXXX XXXX. I have not been able to contact the right people about the matter.
Product: Mortgage

HSBC Bank account # XXXX was opened XXXX XXXX, was paid late XXXX, XXXX, XXXX and XXXX of XXXX. 
HSBC Bank reported to XXXX on XXXX XXXX, XXXX that account would be deleted XXXX XXXX, that the account was only late between XXXX of XXXX and XXXX XXXX. 
That the current status was '' Foreclosure started '' as of XXXX XXXX. 
As of XXXX XXXX, XXXX, the account is still reported to Experian with the early late payment history DELETED. 
Effectively re-aging the account to report after the state of limitations. A violation of Fair Credit Reporting Act. 

The date of first delinquency is misreported and inaccurate. 
The payments marked OK 's or Paid on time for XXXX, XXXX, XXXX, XXXX of XXXX are all inaccurately reported. 
No payments were made on time in XXXX. A payment history was request from HSBC Bank over 6 months ago, with no response. 
Then in a XXXX XXXX, XXXX XXXX report, HSBC Bank reported account # XXXX is not deleted, as previous stated on the XXXX Reports.
Product: Credit card

Macy 's American Express offered XXXX zero to low-interest balance transfer offers, which I accepted. As a store card, I have also used the Macy 's American Express to make purchases from Macys.

When I make payments sufficient to pay off the amount of the clothing purchases, Macys does not apply the payment in full to the purchases, but rather to the zero to low-interest balances, so the purchase amounts end up having very high interest 31.999 % applied to them. 

Aren't they required to pay off high interest rate balances first? 

These devils trick people into 32 % interest.
Product: Mortgage

XXXX XXXX, I have made multiple attempts to contact you and discuss this concern to no avail. The person identified as " XXXX '' states he is the highest managerial representative that I can speak with. He further more stated that any additional communications to reach you must be done via written letter. This is a reflection of the unprofessionalism I have spoken about previously. XXXX states that I enjoy antagonizing him and his call center representatives due to the amount of times I have called requesting to speak with you. The disrespect and indignation from XXXX or any other of the call center members will not be tolerated. You must institute a consumer friendly approach to conducting business. It is a far cry from that now. In the interim, you have my contact information on file to include my phone number. You can call me directly with out hiding behind a call center. 
In response to your CFPB statement I am very much aware that mortgages are bought and sold regularly. I have owned 5 different properties and have never been subject to the abhorrent and reprehensible treatment associated with Selene Finance much less one that has the poor reputation as Selene Finance. 
As a XXXX XXXX XXXX there is no reason I should be subject to such deplorable actions. I served and sacrificed for this country, The actions of this company will not be tolerated. There are consequences for your actions. 
Any decisions about me should include me. Consumers do not currently have a voice to avoid predatory companies like Selene Finance acquiring their mortgages. If there were qualifiers and a vetting process similar to that which is required to obtain the mortgage to begin with, I am certain companies that take advantage of consumers including Selene Finance would not be able to qualify. With 200 class action Lawsuit, a multitude of registered complaints here on the CFPB, D rated company according to BBB it is evident to see the nefarious actions and malfeasance. Short of the investment company owners lining the pockets of the politicians, it is unbelievable why a regulatory agency as not yet stepped in to stop this company from ruining people 's lives. In partnership with others affected by this company, I will make it my end goal to draw as much attention to expose the nefarious predatory methods and malfeasance from this deplorable company.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below that remain on my credit report are in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report violating Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the verification as I asked? 

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 
Creditor : XXXX XXXX XXXX XXXX 
Acct : XXXX Amount : {$5200.00} Opened : XX/XX/XXXX ( 5 mos ) Creditor : XXXX XXXX XXXX Acct XXXX XXXX Amount : {$180.00} Opened : XX/XX/XXXX ( 6 mos ) Creditor : XXXX XXXX XXXX Acct : XXXX Amount : {$230.00} Opened : XX/XX/XXXX ( 2 yrs, 9 mos )
Product: Debt collection

I received a debt collection letter stating that I would be litigated against if I did not pay {$5400.00} by XX/XX/XXXX. This account was closed by the original creditor ( Capital one ) without consent or notice. My original credit limit was {$3500.00}. the account was closed by capital one on or about XX/XX/XXXX. Capital one continued adding interest charges 1 full year after in the amount of {$5300.00}. I asked for the original accounting document to figure out how the calculations were made and the validity of the account being closed as it was not agreed to and possible fraud was suspected by capital one. I was denied my request for any information besides a generic debt validation letter.
Product: Credit reporting or other personal consumer reports

I've served a dispute to XXXX XXXX XXXX a debt validation letter ( XXXX XXXXXXXX XXXX XXXX ). This validation included a cease and desist on all communications regarding the alleged debt. The account should not appear on my credit report until it has been successfully validated.
Product: Checking or savings account

Approximately XXXX of XXXX I closed my Chase bank account. In XX/XX/XXXX my 401k provider mistakenly made a deposit of {$2100.00} into the now-closed account. The 401k has frozen my account until I can pay the funds back. 

I contacted Chase bank in XXXX of XXXX and Chase stated that the transfer had been reversed and the money returned to the 401k provider. 

After nearly a year of trying to co-ordinate appointments with the 401k provider and Chase bank together, in XX/XX/XXXX Chase stated that the funds had in fact not been returned to the 401k provider and had been sent to me as a check back in XXXX. I never received this check and on XX/XX/XXXX I had an appointment with either XXXX or XXXX at the Chase branch located at XXXX XXXX XXXX XXXX, XXXX, MI. 

The specialist assigned to the case in the 401ks behalf was XXXX from the XXXX XXXX XXXX XXXX : XXXX The purpose of this meeting on XX/XX/XXXX was to sign an affidavit stating I did not receive the check and to cancel the check and have a new one reissued. So, I show up to the appointment only to be told that the paper I need to sign requires a notary and that a notary was not currently on duty. 

Because I have a life and responsibilities of my own, I was unable to return to the branch until XX/XX/XXXX. On XX/XX/XXXX I returned to Chase and spoke with XXXX XXXX. XXXX was very helpful, we got the paperwork signed and notarized and Billings followed up with my by phone later that day and told me that the Chase back office stated the check would be re-issued in 10-14 days. It has now been nearly a month and no sign of the check, and a year since Chase initially claimed that the money had already been sent back to my 401k.

Cumulatively, I have spent roughly 20 hours of my own time getting this issue sorted out. At the end of the day this isnt my money or a problem created as a result of any action taken on my part. XXXX XXXX XXXX  401k program fat fingered a deposit to an account Chase failed to close when I called and closed the account. Everyone at the XXXX XXXX XXXX and everyone at Chase bank is getting paid to give me the runaround and fix their mistakes free of charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempting to apply for a home loan via XXXX XXXX and equifax is not producing my credit report I have contacted equifax multiple times and they state there is no freeze and everything should be able to be pulled But after multiple attempts by the bank, its still not being produced
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX  XXXX {$3200.00} XXXX XXXX {$17000.00} XXXX  XXXX {$19000.00} XXXX  XXXX XXXX {$270.00} XXXX  XXXX XXXX {$120.00} XXXX XXXX XXXX {$55.00} XXXX XXXX
Product: Debt collection

Capital One Bank and XXXX XXXX XXXX are fraudulently reporting on Saturday, XX/XX/XXXX in Credit Report a COLLECTION debt under fraud account # XXXX, opened on XXXX XXXX, XXXX in the amount of {$4100.00}. I do not owned an acct. with Capital OneXXXX XXXX XXXX. I have an acct with Capital One and pay as agreed on the XXXX of each month between {$65.00} - {$75.00}, balance owed {$2600.00}, credit limit {$2800.00} and account not in Collection. Capital One had fraudulently violated my rights under the Fair Credit Reporting Act and Collections Practice Act and after disputing fraudulently debt against Capital One Bank and attorney XXXX XXXX XXXX, garnished my wages of Commercial Local State TaxeXXXX under my employer XXXX XXXX XXXX of XXXX percent Biweekly between {$2800.00} through {$3000.00} in XXXX, XXXX taking entire check after government shutdown except {$55.00}, and again Commercial Local State Taxes in XXXX. Capital One Bank and XXXX XXXX XXXX XXXX  garnished my wages of XXXX percent biweekly and did not give me a receipt of garnishment and the Equal Employment Opportunity Commission ignored issues and did not investigate complaint filed in XXXX, XXXX and XXXX.
Product: Mortgage

I have tried numerous attempts in trying to get assistance from Commerce Home Mortgage called their Customer contact number XXXX and left messages letting them know that I was having a log on problem and needed help from their technical department on getting my issue resolved. In logging on I keep getting my previous property in XXXX at XXXX XXXX XXXX XXXX, which causes problems in being able to make a payment to my new property at XXXX XXXX XXXX in XXXX in using the Home Mortgage Website. I have left numerous messages to no avail. I am currently being forced to rely on mailing out my payment and hope that the USPS delivers my payment to the correct address, I wish to send out my payment online using XXXX Home Mortgage Website.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my report from XXXXXXXX XXXX that has not reported new information since XXXX 2022. There are now XXXX accounts on my credit report from XXXX XXXX, even though I only hold one line of credit. The should not be two accounts on my credit report from XXXXXXXX XXXX, and the correct balance is XXXX DOLLARS.
Product: Credit reporting or other personal consumer reports

Please see attached, I did not authorized any of these inquiries,
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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 after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

DCI- Diversified Consultants is reporting incorrectly on my credit report. I've never had XXXX. This was placed on my credit and removed, and reappeared under a different collection Agency
Product: Credit reporting or other personal consumer reports

On my Transunion credit report a collection is report with innacurrate information and I had dispute this account multiple times and no resolution. This account should only be reporting accurate information. Below you will see all incorrect information. 

Account show open ( collection account should never show open ) Account show a past due balance ( collection should now a past due balance ) I had send info to Transunion on this and nothing get fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account ( XXXX # 1958, ) Account XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXX # XXXX, # XXXX, # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX # XXXX ) Account ( XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX # XXXX ) Account ( XXXX XXXX ( Original Creditor : XXXX # XXXX ) Account ( XXXX # XXXX ) Account ( XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance : {$340.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

THE BUREAUS ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$380.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$59.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

Medical XXXX Balance : {$29.00} - This medical account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & HIPAA authorization because I did not agree to have any of my medical information shared. 

Medical XXXX Balance : {$43.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} - In this collection, there should not be any outstanding bills as ALL bills are covered under my compensation insurance. This is inaccurate. Please provide me with a breakdown of the fees or delete this. 

XXXX XXXXXXXX Balance : {$860.00} Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple unknown inquiries on my credit report, after discovering I am a victim of identity theft, that have not been removed from my credit report. My credit report was given to multiple collection agencies of the identity theft charges without my consent. In addition the credit agencies still have a separate file under my former name of XXXX XXXX XXXX even after I legally changed it. The credit bureaus have illegally dropped my credit score XXXX points, increased it XXXX points and dropped it again for no reason. The credit bureaus are discriminating against the XXXX community by dropping points like this and making credit slow slower to increase points. This is discriminatory based on XXXX  and/or XXXXXXXX XXXX XXXX XXXX I have been discriminated against by all three credit bureaus as a XXXX XXXX XXXXXXXX. In addition I have several positive credit accounts that were removed from my credit profiles without my consent even though they are being reported to all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed out the identity theft report with identitytheft.gov following directions to have credit bureaus block the fraudulent information thats being reported on my credit report while proper investigation is being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I disputed erroneous trade-lines reported by XXXX XXXX to the credit bureaus. XXXX XXXX said they sold the account to XXXX XXXX because it was charged off on XX/XX/XXXX for {$310.00}. However, I paid XXXX XXXX on XX/XX/XXXX to delete the debt from my credit reports which they granted. Despite that, XXXX XXXX refuses to remove the negative information off my credit reports.
Product: Credit reporting

I disputed adverse accounts on my consumer file in XXXX, XXXX, XXXX XXXX XXXX accounts I was requesting to validate that these debt belong to me but Experian failed to provide me a copy of any original documentation for example a consumer contract a with my wet ink signature on as required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act.
Product: Debt collection

CCS collection company calls me all day and night i have told them to stop i do not know what debt or they have not provided any kind of document they are just annoying