23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I spoke with the company and let them know I had been severed from my job in XXXX. They said they understood and would work with me. I paid small payments, but then when I was unable to pay in XXXX they began calling me twice a day on weekdays and once a day on the weekend. Then, today they called one of my references. I was two months behind and they became very predatory and made me feel harassed. when I spoke with them today, they claimed they did not have record that I was unemployed and had recieved severance although they admited to sending me the necessary documentation for it. I told them I was contacting CFPB and they said that would turn me over to legal if I did not make a payment by XXXX XXXX. I made a {$200.00} payment, but felt a lot of pressure after their threatening legal and wage garnishment on me. I can provide more documentation ( call logs on my cell phone, my reference contacting me about them calling her, and the paperwork they sent to me when I was unemployed ). This is predatory and unfair.
Product: Money transfer, virtual currency, or money service

On  XXXX   XXXX , I clicked a link in an email for security purposes and received the following reply from coinbase : " We have received your request to disable signin to your account.   XXXX  At this time we have signed out all sessions for your account, disabled any new signins, revoked API access, and cancelled any recurring payments that were configured.   XXXX  If you have an existing support case open, our agents will get back to you as soon as possible. " It has now bee n 2 weeks a nd I have been trying to reach this company to re-enable access to my account without any type of success. My account holds over {$50000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account from Identity Theft reporting on my Experian Consumer report. I have submitted my FTC Report, Police Report, and documentation showing that the account documents DO NOT have my handwritten signature on it ( attached ). Experian continues to stall and say that the account is " Verified '' and they refuse to block reporting of this account. I've called " Special Services '' to ask why this is still being reported and Experian " Special Services '' tells me to " Open a Dispute ''. I've opened SEVERAL ; what is the point of a Fraud Department / Special Services Department if you don't look at any of the submitted documentation. Additionally, on the disputed results, it says " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' ; ( factually incorrect- it is still there ), so, which is it??? Lastly, I DID NOT ask for ORGANIZATIONS TO SEE THE RESULTS OF THIS INVESTIGATION. I am not giving anyone permissible purpose to view my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/2022 To Whom It May Concern : 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 U.S.C. 1681. 
Account name : XXXX XXXX Account name # XXXX Account Name : 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.

It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( 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 the records of convictions of crimes which antedates the report by more than XXXX years. 
15 .U.S.C 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, Trans union, and XXXX XXXX name : XXXX XXXX XXXX XXXX Current Address : XXXX XXXX XXXX # XXXX, XXXX XXXX VA XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer XXXX  Spouse Name XXXX  Spouse Social Security # XXXX Credit Report Dispute / Account Information Dispute Section Company Name : XXXX XXXX Account XXXX XXXX -- Not XXXX account XXXX XXXX XXXX Was never late -- -- -- Account paid in full XXXX XXXX XXXX  Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was never late Company Name : XXXX XXXX Company Name : XXXX XXXX Account XXXX XXXX -- -- Not my account XXXX XXXX XXXX XXXX  Was never late -- -- -- Account paid in full XXXX XXXX XXXX XXXX  Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was paid on time never late Company Name : XXXX Company Name : XXXX Account # XXXXXXXX XXXX XXXX  Not my account XXXX XXXX Was never late -- -- Account paid in full XXXX XXXX XXXX XXXX  Current status incorrect -- -- other -- -- -- Dispute Explanation : Account never late/ paid inaccurate CURRENT STATUS I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XXXX Date XX/XX/2022 Transunion XXXX XXXX XXXX XXXX XXXX, PA XXXX. Telephone XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX
Product: Debt collection

The following collection company Sentry Recovery and Collection placed a account on my credit report without ever contacting me in any form. 
I have written this company several times asking for documentation regarding this account and I have never received a response from them. 
They are violating my rights under the FCRA
Product: Credit reporting or other personal consumer reports

I had an account with XXXX acct # XXXX which was never late and was removed from my XXXX credit files due to inaccuracy and fraudulent practices.XXXX/EXPERIAN continue to report a chargeoff on my credit profile that is illegal and was never late they have chose to report account as chargeoff dated XX/XX/XXXX with NO data of my previous payments that were made and XX/XX/XXXX payments were stopped and they have continously decided to report a chargeoff on my credit file.im a resident of South Carolina also where my loan originated. AS OF XX/XX/XXXX IM IN ONE OF THE STATES ( SOUTH CAROLINA ) WHERE LOAN WAS CANCELLED. ( XXXX XXXX XXXX ) Also there was a payment pause on the said account XXXX. 
There are several inconsistencies of this account and needs to removed it has caused family financial issues with funfing, mental disturbance of my Everyday life. This needs to be resolved in a timely fashion by removing fraudulent reporting which if it continues I will be seeking legal remedy from all parties in volved with this FRAUD.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information reported on my credit report regarding account number XXXX According to the credit report provided by XXXXTransUnion XXXX this account was marked as charged off, despite the fact that the balance was paid in full on XX/XX/year>.
Product: Debt collection

On XX/XX/XXXX I send a letter Certified mail to Suntrust Bank/XXXX Suntrust Bank received mail on XX/XX/XXXX Letter is about : To Whom It May Concern : After a review of my current credit profile and report, it reflects what seemingly is a pattern of fraudulent activity on the following accounts : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), and 90.953 FLA. STAT. ( XXXX  ), we have request verification of the authenticity of the original document ( s ) from individuals listed above at our expense. Please advise of a location and time in the XXXX, Florida area. 
90.953 FLA. STAT. ( XXXX  ), in pertinent part states : Admissibility of duplicates.A duplicate is admissible to the same extent as an original, unless : ( 2 ) A genuine question is raised about the authenticity of the original or any other document or writing. 


Suntrust bank have not accept my request meet in location and time in the XXXX, Florida area to verification of the authenticity of the original document ( s ) from individuals listed above at our expense. 

I asking does Suntrust bank have the original copy of the promise note that claim I sign?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Shows incorrect balance and the account shows incorrect late payments. Acct. Was granted for Financial Forbearance was granted 3-Times. By XXXX XXXX XXXX. Financial Forbearance was granted for XXXX XXXX XXXX XXXX, It's Written in the Lease, No Late Payments and No Missed Payments will Not be Reported to the. credit bureaus, XXXX XXXX XXXX, Reported to all three credit bureaus as 7-9, Late Payments. 
According to the Lease Agreement. When A Financial Forbearance is Granted, All Payments will be Added to Loan and must be paid at the back End of the Loan. 
XXXX XXXX XXXX Also recently added {$750.00} In Collections Added to the Account. 
This is Incorrect info to the car loan. 
{$750.00} is from a old collections XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
On XXXX, XXXX XX/XX/XXXXAcc. Bal = {$12000.00} Loan Amy. = {$12000.00} Collection Acc.Added = {$13000.00} Incorrect Collection Account was added in the amount of {$750.00} This should be Removed. 
This Information was reported by ; XX/XX/XXXX Request Corrections to be made with XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trades Commission Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

At the end of XXXX, I sent a request to the credit bureaus to address inaccuracies on my credit file. On XX/XX//2019, I  received a letter from XXXX XXXX XXXX XXXX deceitfully presenting me with paperwork to resemble a " validation of debt ''. Nowhere in this information did the company provide a contract that they legally obtained the debt and was authorized to collect on it. They also failed to provide me with validation of the debt according to FDCPA. This company has willingly, deceitfully, and illegally attempted to collect a debt without honoring my rights as a consumer to validate the legitimacy and ownership of the debt. Upon research of this particular firm, I found several court documents to substantiate that XXXX often engages in these illegal and unethical business practices. They utilize misrepresentation such as seen on page 2 of their letter. They have created a word document and deceitfully represented that as a " validation of debt '' when in fact IT IS NOT in accordance to the FDPCA laws, which they are aware of based upon the numerous lawsuits that this office has had dismissed for this very practice over the last ten years. Yet, then continue to violate the laws they are to adhere to. 

They have harmed me irrevocably caused harm in their continued reporting of a debt to my name that they have failed to validate and provide documentation that they legally obtained this debt. This harm has affected my financial well-being and ability to obtain credit in the past as well as the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX of XXXX, I filed a dispute with XXXX, Experian, and XXXX addressing incorrect information in my credit report, specifically regarding the following items : I'm reaching out because XXXX, Experian, and XXXX are messing up my credit report. They're breaking the rules of both the Fair Credit Reporting Act ( FCRA ) and the CARES Act, and I urgently need your help. 

When COVID-19 made things tough for me, I got an accommodation agreement to ease my student loan with DEPTEDXXXX & XXXX XXXX XXXX The CARES Act and 15 US Code 1681s2 ( F ) state that during this period, my loan should be reported as current, but XXXX, Experian, and XXXX is wrongly labeling it as late. 

Plus, they're not handling my complaints about negative accounts correctly. The law, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) and 15 U.S.C. 1681i ( c ), says that they need to fix or remove any wrong or unverified details after a dispute and clearly mark any disputed information in future reports. But they're not doing this. 

Even more, XXXX, Experian, and XXXX isn't following the rule of 15 U.S.Code 1681e ( b ), which says they should take reasonable steps to make sure my credit report is as accurate as possible. This is not happening. 

Because of XXXX, Experian, and XXXX 's wrong actions, my credit score is taking a hit and it's getting in the way of my future financial plans.
Product: Student loan

College Ave has reported that I have a loan past due more than 30 days and this incorrect. It is negatively impacting my credit and causing me housing issues.
Product: Debt collection

XXXX SRS has contacted me and my family members by phone and text often before XXXX XXXX and has refused to cease communication by phone. They have made contact more than 3 times per day. I have never done business with this company and do not owe them a debt
Product: Debt collection

On XX/XX/2017 I went to an urgent care at XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX because of a XXXX XXXX XXXX. I paid a fee to see a doctor and specifically said I did not agree to pay outside lab fees. I told them I had a XXXX XXXX XXXX, which I verified by taking a test I bought at a pharmacy for about {$10.00}. I was told by the intake clerk that the test was included and performed in their office. 

I received a bill from XXXX XXXX of Oklahoma invoice date XX/XX/2017 in the amount of {$510.00}. The bill listed two XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX ; two XXXX XXXX, AXXXX XXXX ; XXXX XXXX  ; and five XXXXXXXX XXXX XXXX XXXX, each as separate charges to total {$510.00}. 

I called XXXX and the urgent care in XXXX. I have a note with the paperwork that says " XXXX XXXX XXXX XXXX '' but don't remember who told me that name. I do remember the medical office person telling me she would call the laboratory and tell them the charge did not belong to me. 

Apparently that never happened. I get annoying phone calls multiple times per day. 

Today I tape recorded a call where I demanded Transworld Systems Inc stop calling my number and send any billing in writing. Four hours later they called me again. They said the bill they were trying to collect is from XXXX XXXX for {$510.00} incurred on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

LexisNexis continues to report incorrect names that do not belong to me. I previously provided proof of this. I will not provide any other notice besides this last one to remove every name but XXXX XXXX. If you do not this is your notice I will sue LexisNexis.
Product: Debt collection

I have still yet to receive actual proof of my signed authorization yet this agency advised your company they would obtain and supply. How can a company state a debt is owed without proper validation? a computer print out is not validation a normal consumer ca n't even understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Exeter Finance LLC acount # XXXX 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

On XXXX XXXX, I sent a certified letter to LJ Ross Associates, asking them to verify debt and it has been 30 days without a response. It was removed from XXXX, but XXXX still has it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Background check has outdated information on No way I should fail background check if Im working in a XXXX for same background check
Product: Debt collection

I scheduled my payment for XX/XX/XXXX on XX/XX/XXXX to be processed on XX/XX/XXXX via electronic debit as usual. After XX/XX/XXXX I at least received 13 calls that I've found so far between XX/XX/XXXX and XX/XX/XXXX, along with 2 written notices to make payment and several text messages requesting payment. I sent 2 chat messages advising Ally that I had already scheduled my payment and to kindly stop trying to  contact me in early XXXX but the calls and texts kept coming. I escalated my frustration at this harassment and got a call from Ally on XX/XX/XXXX, I returned the call leaving a voicemail on XX/XX/XXXX and haven't gotten a response. They clearly have issues either recognizing payments that are scheduled or just are intent on harassing people, either way, it's highly unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am a victim of ID Theft. Someone stole my personal information, including my ID and SS Card and later used my information to open the following accounts up fraudulently : XXXX XXXX XXXX, XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX Opened :  XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  Opened : XX/XX/XXXX Amt. XXXX The XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX The following inquiries were fraudulently opened in my name : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with XXXX XXXX XXXX XXXX to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter on XX/XX/18 XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to Transunion XX/XX/18 proving I tried to dispute the account Transunion received and signed for the letter XX/XX/18. TransUnion did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but XXXX  XXXX is when XXXX XXXX XXXX bought the account. How is XXXX XXXX still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.
Product: Payday loan, title loan, or personal loan

I am 14 years XXXX XXXX and currently a XXXX. This company is refusing to honor my Ohio SCRA rights. The purposefully put in Tennessee as the state for the SCRA request to sneakingly deny me. Then they took one foot note and used that to completely deny my benefit of lowering my interest rate. Ohio is a key provisional state that extends the law to any liabilities and obligations received after serving and up to 180 days of separating from the military. The following request was sent to the company : I am requesting Ohio SCRA benefits to be applied to my loan account. The first time I requested Ohio SCRA benefits I was told I was denied and that my home state on my request was Tennessee when my written requested specifically requested Ohio. My XXXX was also sent to show that I am a resident of Ohio. My second request was denied because of the representative stating that she further reviewed the law and the footnote stating that : Ohio Law Note. The term obligation is defined as, any retail installment sales contract, other contract for the purchase of goods or services, or bond, bill, note, or other instrument of writing for the payment of money arising out of a contract or other transaction for the purchase of goods or services. Ohio Rev. Code Ann. 1343.031 ( A ) ( 2 ) ( West 2004 ). 
But that does not matter because the federal law was addressing OBLIGATIONS and LIABILITIES. The unsecured loan I have with One Main is considered a liability. A liability is money you owe to another person or institution. 
7.1.1. Covered Debt Obligations The 6 % interest cap applies to all obligations and liabilities incurred by a servicemember, individually, jointly with a spouse,166 or in the name of a closely held business entity.167 In addition, courts have held that the cap applies to XXXX  XXXX repayment plans168 and foreign judgments.169 In contrast, some state courts held that the interest protections do not cover debts incurred by servicemembers during or after active duty ends.170 Moreover, debts incurred solely by a servicemembers spouse are not eligible for the 6 % interest cap under the SCRA, but may be under the Ohio Revised Code.171 If my request is denied again I would appreciate a denial letter specifically stating why I dont qualify for Ohio SCRA benefits. Thank you hope to hear from you soon! 

Any help on getting this matter resolved would be greatly appreciated this is the only financial institution that refuses to honor my Ohio SCRA benefits. Thank you.