23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called the company on XX/XX/2018 to work out payment arrangements. After finding out the original creditor went out of business and merged with XXXX XXXX XXXX I call to work out a payment plan. After going through the verification process they told me my agent was a woman named XXXX. After speaking with XXXX I informed her that I could make a payment of {$50.00} and start to make monthly payments to satisfy the debt. She informed me that they could not make payment arrangements or partial payments and the debt needed to be satisfied in full or she would turn me over to her legal team and that it could have negative impact to my credit. She then stated that they would need to do an asset verification on me to see where they could transfer the debt to another one of my accounts that has nothing to do with this debt. At this time I got off the phone with the lady, due to the statements she was making.
Product: Credit reporting or other personal consumer reports

Equifax is reporting late payments on my mortgage account and credit card account with XXXX XXXX XXXX XXXX my mortgage havent been late or my credit card payment I reached out to equifax numerous if time to correct it or move that account from credit report. I have reached out to out to the Leander they said they didnt report that information. In collections I have a problem they remove from credit report and put it back on I dont have any collections they reported I ask them to remove all collections they report with then 10 days because I ask for signature that I made these collections havent got anything from equfax about information that those or my collections
Product: Debt collection

A rep from United Collection Bureau called claiming that I owned a medical debt with XXXX XXXX XXXX XXXX from XXXX. They claimed to have sent out a letter, which we did not get, and they could not properly verify the mailing address. The caller refused to send out another notice through the mail. I did not give them any banking or personal info until I could verify the debt and the debt collection company. I called XXXX XXXX XXXX and spoke with the accounts office. They verified that we had been there, but that our bill was paid in XXXX. I also verified with the physician billing agency and confirmed that we do not owe any medical bills with XXXX XXXX XXXX.
Product: Debt collection

I have in my XXXX XXXX collection account from I C SYSTEM and I already call the collection company and they said, he cant find nothing in my name or social number, when I tell the person in the IC SYSTEM I have this debit colllection he said he cant take off from m report credit because he cant find anything about the debit account, in my name or social security and I want discharge this because not body know anything from this account.
Product: Debt collection

I was contacted twice from a dept collector with the number XXXX ( XXXX ) XXXX who claimed they were from a debt I had at XXXX in XXXX the first call in which the woman was very XXXX  and told me if I did not pay this debt a warrant will be served at my address and I would be arrested. Again she called XX/XX/XXXX and told me they have a lien on my vehicle and will be having a warrant served. I have not received any calls from them until XXXX. When I called back this person tried to deny the threats they made on the former calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal information was found compromised. I recently discovered that someone had opened an account with XXXX XXXX under my name. Below is the account info : Experian Report number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Current Balance : {$8200.00} My personal info was found in a data breach with XXXX XXXX XXXX. 
Filed a report with the Federal Trade Commission Report # XXXX This violated my rights under the FCRA 15 U.S.C 1681 605B.Block of information resulting from identity theft 605B - 15 U.S.C. 1681c-2 ( a ) Block. Except as otherwise provided in this section, 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 after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit card or prepaid card

Kohl 's refuses to communicate the complete 16 digit number of their card as it appears on the three credit bureaus. Their cards only show a partial number made of only 12 digits. Kohl 's support responded me that I could get it in any store with an ID ( see attachement ). The XXXX XXXX store ( XXXX ) refused to do so when I appeared today at the customer help desk. We call their internal help line and Kohl 's says they do not provide it neither by mail, email or over the phone and the stores refuse to proceed although it was promised in their response. So there is no way to get the real credit card number and be able to consolidate effectively with our credit report with a fully documented Kohl 's account. NB : they even use 18 digit where the two last are for internal purposes.
Product: Debt collection

Convergent Outsourcing ; Please see the attached files, as the account you are trying to collect on was opened as a result of identity theft, and I would like you to immediately stop collection ( s ) on this account and remove it from all of my credit report ( s ) you placed it on otherwise more action will be taken. 


DO NOT CONTACT ME VIA PHONE, or I will have my attorney follow up.
Product: Mortgage

I asked PHH Mortgage company several times for my year end interest statement so I can do my taxes. They told me they do not generate one. I was just transferred to them in XXXX from XXXX XXXX ( XXXX ) who also did not send me one. I can not do my taxes without knowing how much interest I paid to each of them. This is not legal! I have received those figures in the past. What is the big problem? Are they not reporting it to the IRS? They answer I get when I requested is '' we do not do that '' So what do they do? Charge exorbitant interest rates and leave the consumer hanging? Why could I get it in the past? I have had this mortgage since XXXX and never a problem until XXXX. Can you please help me get this info prior to XX/XX/XXXX when I am required to file?
Product: Debt collection

FAIR COLLECTIONS & OUT has been harassing me with constant phone calls, beyond the acceptable hours during the day, and reporting false information to the credit reporting companies, even though I have told them they must have the incorrect debt information. 
I have lived at XXXX XXXX XXXX, XXXX, CO XXXX since XXXX, but they claim some address from XXXX XXXX in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXXXXXX XXXX
Product: Student loan

I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. 
I attended XXXX XXXX XXXX at address XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit card or prepaid card

On XX/XX/2022, I initiated a request to redeem of {$500.00} of my " cash-back '' rewards. 
The {$500.00} was to be transferred to my checking account. 
On XX/XX/XXXX, my credit card account showed that {$500.00} was redeemed from my " cash-back '' rewards. The problem is that my bank never got the {$500.00}. 
I have checked with my bank many times ( up to today XXXX XXXX ) and there has been no record of the {$500.00} credit to my checking account. 
I have contacted the credit card company ( BARCLAYS ) many times by phone and by regular mail and have never gotten a satisfactory response. 
I was able to determine that the transfer was ( or should have been ) via ACH transfer. 
I think that BARCLAYS should be able to access the transactions Trace ID. There should be two Trace IDs the source ID and the destination ID. I can not get anyone at BARCLAYS to start a trace for this transaction. And they will not give me any " proof '' that the ACH ever happened.
Product: Debt collection

On XXXX XXXX, I went into my electric company, XXXX XXXX  XXXX and requested that my services be disconnected on XX/XX/XXXX. They scheduled my disconnect and told me my deposit would be kept until after the disconnection and if any money is owed it will come out of my deposit and any remaining money will be mailed to me in a check. I was out my previous location on XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter from a debt collection company by the name of On Line Information Services stating I owe XXXX XXXX XXXXXXXX, {$300.00}. My XXXX bill was paid in full. There is no way I owe {$300.00} for 7 days worth of service. My deposit was {$250.00}. I should've received a check in mail because there is no way they are charging me that amount for XXXX from XXXX XXXX. I was completely out on the XX/XX/XXXX and I called and ask if it could be disconnected on the XXXX and they told me since I scheduled on the XXXX that's when they will have to disconnect. XXXX XXXX XXXXXXXX is a rip off! And need to be investigated. They can turned off the services in office until they disconnected from the outside box. I called XXXX XXXX XXXXXXXX and they tell me they can't speak to me on the matter. They can't speak because they know they are wrong and defrauding their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Control Corporation is currently reporting two inaccurate accounts on my consumer report attempting to collect an invalid balance of {$220.00} and {$210.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g, Credit Control Corporation failed to send me a notice of debt/debt validation and is illegally using my consumer report to advertise a debt in attempt to collect the alleged debts being reported. I have no obligation to pay Credit Control Corporation and Im demanding them to remove the collection account from my consumer report.
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an account on my credit report from XXXX XXXX XXXX that is not my account I have never applied for it and believe this account is identity theft or some type of fraud. I have been in touch with XXXX XXXX on numerous occasions to have this account updated and removed from MY credit report I have already submitted FTC report and police report to them and they refuse to remove this account from my credit report they are violating my rights and I am now forced to have to take legal action against them. The account is listed below. 
XXXX XXXX # XXXX
Product: Mortgage

I can not believe y'all closed my case in XXXX b/c you heard from the company. The only way the company has been corresponding to my complaints is thru the NJ Dept of Banking & Insurance. I've had nothing but grief since the company- Selene Finance- started serving my loan. There not one isolated incident, but a string of them. The most recent was how they were applying XXXX payments & changing my ESCROW analysis after the state agency requested data. They continued to report my payments as late, and inadequate b/c their escrow analysis - which they only acknowledged in correspondence to the state in XX/XX/year> ( 4 months after I requested an explanation ) - exceeds the legal limits that they make collect. I have been paying my principal & interest for the last 2 months & now they've sent a letter of intent to foreclose. I documented their predatory practices & am frustrated that the state has done nothing but mediate communication. I've been in my home for 17 years ... this is the 4th loan servicer & all they've been doing is causing me grief. I didn't sign an agreement with Selene finance & should not have to deal with their unscrupulous and seemingly illegal banking practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX XXXX care account is satisfied/paid in full. However, the still open dispute on this website ( XXXX ) wouldn't allow me to dispute directly on the Experian website.
Product: Debt collection

On XX/XX/XXXX I received a collection notice from Penn Credit Corp for XXXX XXXX XXXX XXXX. I immediately contacted them indicating I wanted to dispute the debt because it does not belong to me. The first reason is because i do not live in XXXX and have never lived or owned property there. I live and work in XXXX XXXX  XXXX. I own my own home and have since XXXX the utility company i am using is XXXX for lights and XXXX XXXX for heat. There is no reason to have gas & electric services in XXXX. The second reason is because I explained to them that i am a victim of identity theft. Somehow my social was compromised and people have been applying for benefits and things under my name. I sent them proof of that as well. Instead of investigating the situation, I received notification from XXXX XXXX XXXX that they put me in collections. Then after already placing in collections i get a package in the mail from Penn Credit with forms to dispute the debt. Wouldn't it have been fair to let me dispute it first, then if things did not add up, THEN put it in collections? Instead, they put me in collections first without even giving me a chance to submit the paperwork. There were also questions I asked for them to answer that they never did. I would like those questions answered.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I opened a money market account at BMO harris in XX/XX/XXXX. I funded the account via wire of {$380000.00}. Several days later I opened a 60 month CD at BMO Harris and funded it from the BMO Harris money market account. They took the money out of the money market account on XX/XX/XXXX but did not give me credit for the CD deposit until XX/XX/XXXX. 

I called and asked that they address this but they refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home address and employment is wrong my home address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX  I, the consumer went into the XXXX XXXX XXXX dealership for a consumer transaction and was denied the extension of credit. The consumer was then contacted by the general manager by email stating that the if I needed assistance to contact him, on XX/XX/year>, I was advised that the application was pulled from XXXX XXXX XXXX XXXX, I was given an application number and advised to call the lender from the car sales manageXXXX XXXX XXXX XXXX XXXX stated they haven't received an application, the dealership is stating that they sent over the application to the lender and the lender states that they haven't received an application.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2002 PayPal decided to permanently limit my account ( locking me out ). they stated that i can no longer use PayPal. keeping me from transferring my money from my account. I have gone through their steps to contact them, click here then click here and then click again. it then takes you full circle right back to beginning steps, I have tried to find out why account was locked but can not get a response from them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I reviewed my credit report and to my surprise I seen numerous inaccurate reporting of late payments on my car loan account with account. across all 3 Bureau 's. 

From XXXX of XXXX to XXXX of XXXX, each of the 3 bureau 's are reporting different information. Some are even missing information altogether. none are accurate let alone cohesive. 

I have reached out to XXXX and they have informed me that my account is current. 


the Account in question ends in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently gottten my credit run and pulled by XXXX XXXX and XXXX XXXX XXXX. I was told I am not qualified to open an account due to what XXXX XXXX XXXX XXXX XXXX XXXX had REPORTED to XXXX and to the credit companys. As soon I was notified of this information I knew it was incorrect and as I am a victim of Identity theft and I have gone through similar problems I knew that this was not me and I had Never banked with XXXX XXXX XXXX or XXXX I have been with XXXX XXXX since 2004 and my home mortgage is also through them and I continued to stay with them. I had contacted XXXX XXXX XXXX Immediately via phone and I received NO HELP at all in fact I was told an Attorney can contact them if I thought this was Fraudulent. I then went into the Bank at XXXX XXXX in XXXX WA ( new location ) and submitted all my documents which included ID Theft Affidavit, Police Report, Credit Freeze showing proof that my credit is on freeze and alert, Social Security Letter showing that I notified SSA, Federal Trade Commission Report and more. I was rejected again and again. I also went into XXXX and gave them all the documents, told them I never banked with them and someone is using my Identity. I was ignored and no one helped. I am XXXX XXXX XXXX XXXX ( XXXX ) for XXXX as a Internal XXXX XXXX and my credit, my Identity and my value and worthiness is very important to me. I have had continues ID theft and its very hard for me to stop this without any help even after submitting countless amounts of documents. I am very tired of this and need XXXX XXXX XXXX and also XXXX to please remove me off their XXXX and also notify XXXX that this is an error on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there were still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX XXXX Account # XXXX which is a Revolving account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XX/XX/2015 Experian on XX/XX/2015 and XXXX XX/XX/2015 I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX5 U.S.C 1681 section 602 A. states 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.