23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The CFPB has jurisdiction over this matter because it pertains to unlawful tactics to collect a fraudulent debt that is past its four ( 4 ) year Statute of Limitations. From XXXX I have been a victim of Identity Theft in which my accounts have been misused or compromised while I underwent a life-threatening procedure and was consequently incapacitated and XXXX ( see XXXX photo and XXXX XXXX placard attached ) This alleged account XXXX with Compass Bank appears to be unlawful because it shows an alleged original balance of $ XXXX, yet the collection amount is XXXX. Then it was placed with two different collection agencies simultaneously which is a violation of applicable usury and lending laws : 1. Reporting on XXXX as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX ( attached ) 2. Reporting on XXXX as : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( attached ) Please note, these actions are a direct violation of California Identity Theft Statute XXXX which specifies a Creditor must cease and desist and withdraw all collection activities when the consumer evidences the identity theft, and that the Creditor is liable for up to {$30000.00} in damages for continued unlawful collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX   XXXX  Experian : XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX, Experian : XXXX, XXXX XXXX XXXX XXXX : XXXX.
Product: Debt collection

They keep calling about a cell phone debt that I owe, which I do, however XXXX XXXX XXXX said this company does not have my file and I feel they are a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}.
Product: Checking or savings account

I am writing to express my concern and dissatisfaction with the manner in which my recent dispute over unauthorized transactions has been handled by Key Bank. 

On XX/XX/XXXX, I disputed two transactions with Key Bank institution : one for {$700.00} and another for {$9.00}, both from the same merchant. As per 15 USC 1693f, they had ten business days to investigate my claim and mail results within 3 business days. I received findings in the mail during the week of XX/XX/XXXX, but the findings only addressed the {$9.00} charge, which was denied. There was no mention of the {$700.00} charge, which is a clear violation of 15 USC 1693f requiring financial institutions to provide a written explanation of their findings within 3 days. 

Furthermore, the law under 15 USC 1693g say they didnt conduct a proper investigation. I just want answer to why was I an consumer have to be violated and why Key Bank isn't in compliance with the law? 

I spoke to a supervisor today who is very helpful by the name XXXX. She directed my call to a lady name XXXX in the Executive department.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX XXXX XXXX Disputing Identity Theft Report XXXX Dear Sir/Madam, I am writing to dispute accounts that were opened onder my name. My personal information has been compromised, resulting in fraudulent accounts appearing on my credit report. I am unaware of and do not recognize the following fraudulent accounts : 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 I have taken immediate action to address this issue by notifying the relevant financial institutions regarding the unauthorized accounts. However, I believe it is essential to escalate this matter further and request a thorough investigation to rectify the situation promptly. 

I kindly request the CFPB 's assistance in investigating the extent of this identity theft and taking appropriate measures to protect my personal and financial information. It is crucial to identify the perpetrators responsible for this fraudulent activity and prevent any further damage to my credit and overall financial well-being. 

Enclosed with this letter, please find supporting documentation, including a copy of my credit report highlighting the fraudulent accounts, a police report numbered XXXX, as well as any other relevant information that may aid in your investigation.

I am committed to cooperating fully with the CFPB and any other law enforcement agencies involved in this matter. I understand that additional information or documents may be required during the investigation, and I am willing to provide any necessary assistance to resolve this issue promptly. 

Please keep me informed about the progress of this investigation and any actions taken to resolve the fraudulent accounts associated with my identity. I appreciate your attention to this matter and your commitment to consumer protection. 

Thank you for your prompt assistance in resolving this issue. I look forward to a timely resolution. 

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

On XXXX XXXX, I filed a complaint against Equifax ( Complaint ID # XXXX XXXX. The company replied and the matter still has not been settled. The inquiry ( XXXX  ) IS STILL SHOWING ON MY CREDIT REPORT even though they said it was deleted ... 
I pulled my Equifax report on XX/XX/XXXX. I noticed there was a fraudulent inquiry on my Equifax credit report. The inquiry was on XX/XX/XXXX and the creditor/company was XXXX I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I reviewed my credit report on XX/XX/XXXX and noticed the " deleted '' inquiry was not removed. I connected Equifax on XX/XX/XXXX informed them of the fraudulent inquiry and they created a dispute ( dispute # XXXX XXXX. The results came back that the inquiry is deleted. I have disputed this fraudulent XXXX times and it came back deleted each time, however, it is still showing on my credit report. I attached my results from my XX/XX/XXXX results but I have provided all of the dispute numbers. I contacted Equifax on XX/XX/XXXX. First representative I spoke with I told them I need to speak to the Fraud department, instead of transferring me they questioned why do I need to talk to them. I finally got to someone in the fraud department and we never got passed verifying my information. The representative asked me my full name. I said XXXX  XXXX XXXX. He asked for my date of birth and address. I provided him that information. Then he asked for my last name again and my middle name again. I asked him why do I need to restate that if I already provided that information. The representative transferred me to the survey line to give feedback on my call. So I did not get this issue taken care of. So not only was my issue not taken care of BUT I RECEIVED HORRIBLE CUSTOMER SERVICE!
Product: Mortgage

We were under Covid forbearance plan since XXXX XXXX. 

We decided not to continue staying in the forbearance and requested the official documentation of release from forbearance and official reinstatement of our mortgage loan as well as acknowledgment from Freedom mortgage that we are current with our mortgage payment since XX/XX/XXXX. 

We have been paying the regulator payment since XX/XX/XXXX but on the statement said we havent. 

We have been contacting and asking for those documents SINCE XX/XX/XXXX but they never gave us any of documents and just correcting our payments. 

We cant wait anymore. 
We are trying to refinance. 
We need the documents. 
I NEED YOUR HELP!!! 


I added the pictures which we paid so far. But I dont know why, they say we are late for the mortgage payment on the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act displaying the address, XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX and XXXX XXXX XXXX XXXX, IL 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 an account without my written instructions.
Product: Debt collection

On XX/XX/2020 I received notice that a collection account had been added to my XXXX  report from Complete Credit Solutions Inc. At this point I had not been provided anything in writing explaining this alleged debt. I sent them a validation letter which I mailed certified on XX/XX/2020. On XX/XX/2020 I received a letter NOT from Complete Credit Solution 's Inc but some company named XXXX XXXX XXXX XXXX claiming that Complete Credit Solutions Inc was their client, and that I had an outstanding balance of XXXX which was assigned to their office on XX/XX/2020. Upon research I found that they are also a debt collection agency who is working under guise of a law office for Complete Credit Solutions Inc to trick consumers into paying invalidated debts. I also sent the alleged law office a letter asking them to validate the alleged debt on XX/XX/2020, and have yet to hear back. 

On XX/XX/XXXX, I received a phone call from Complete Credit Solutions Inc during which I asked the representative XXXX if they had gotten the letter she advised that they had received it. She advised that they would be sending a response soon I ended advising that I would wait for the letter before discussing anything further with them. However a few hours later I received yet another alert from XXXX  advising that Complete Credit Solutions Inc had hard pulled my credit report for an installment loan. I did not authorize them to pull my report and further they are a collection agency not a creditor who provides loans. I presume they pulled my report due to them trying to obtain information to validate the alleged debt. 

Additionally, the alleged debt upon research is for a company called XXXX XXXX who is no longer in business and have not been for at least 4 years. I have also reached out to them and they have no evidence that I owe debt.
Product: Debt collection

Enhanced Recovey Collection was notified that the debt for an account they were trying to collect was a result of identity theft. I called them and notified them that I had filed a FTC identity theft report as well as a local police report for a collection account that the original creditor was listed as XXXX XXXX XXXX for {$1500.00}. A few days later the account was then subsequently removed ( XX/XX/XXXX ). A few more days later after that ( XX/XX/XXXX ) I have actively been monitoring my credit daily because of recent events and I now find out the same debt collection company has listed a new debt from XXXX XXXX for {$1500.00}. New account number and all. I believe this is an attempt to circumvent my original request and illegally collect monies that I dont owe. They are breaking the law.
Product: Checking or savings account

On Tuesday, XX/XX/ at XXXX XXXX, I contacted XXXX Representative XXXX. Upon speaking with her, I informed her of two transactions ( {$6.00} & {$7.00} ) that included two Non-Sufficient Funds fees ( {$36.00} per transaction ). The fees was processed as an ACH. I informed her of an established agreement to opt out of overdraft protection when I first opened up my account. The agreement stated when the funds are not available in account the transaction are to be declined. I requested to dispute the transactions for the NSF fees, in which, she offered to waive one of the NSF fee. I declined due to my belief the funds was available during the time of transaction and in the event that the funds was not available, the transactions should be declined. I was emailed a document for electronic signature agreement in order to file the dispute. After carefully reading the agreement and how the agreement could be used, I elected for paper signature.
Product: Student loan

According to the original agreement for my students loans ( and the information on Pennsylvania Higher Education Assistance Agency website, FedLoanServicing ), I can choose which of my two loan payments receives the greater amount of money after satisfying the minimum due each month. As a XXXX veteran with increasing physical ailments who is finding work difficult, I attempted to pay down my unsubsidized loan. I tried to use their online distribution box to do so, but the boxes are fake and do not allow me to split the amounts ( I 'll attach a screenshot ). On XXXX/XXXX/16, I applied {$500.00} extra via the online site in the belief they would at least divide the amount equally between both loans. They did not, instead paid the larger amount towards the subsidized loan. I called customer service and was told to specify the loan number and " Sequence XXXX '' on the check, to make sure my extra payment would go to my unsubsidized loan. I did so and again, they failed to apply the second {$500.00} as directed on my check cashed on XXXX/XXXX/16 and instead split the amount, paying more to the subsidized loan, in direct opposition to my instructions. Normally, I could send a copy of that check but the company destroyed it and instead sent an electronic notice to XXXX XXXX XXXX, which I will attach. I have written them to correct the billing immediately before I take legal action. I intend to send this to XXXX XXXX, President Obama, Representative XXXX, XXXX XXXX, XXXX XXXX, and in the hopes that they will investigate Fed Loan company for fraud. I also need help in moving my account to a reputable company. Thank you for any assistance you can provide. -- XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash app has stopped me withdrawing money that has been sent to me and it's a large sum they have locked away without any explanation.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate debt reporting by XXXX, XXXX ( collection agency ), and XXXX XXXX XXXX, Transunion and XXXX which has adversely affected my credit reports with Transunion and XXXX. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused significant financial harm. 

Currently, I have filed a Federal lawsuit against XXXX, XXXX and XXXX XXXX investments and will be pursuing the other XXXX credit bureaus if a fair resolution is not provided. ( XXXX XXXX vs. XXXX, XXXX XXXX XXXX, XXXX case XXXX ) Specifically, the inaccurate information includes Collections reported by XXXX  from XXXX XXXX XXXX which were business related debts and not personal, meaning they should have never been on my report yet they have ben reporting for several years even after attempts and disputes of removal. These inaccuracies have unfairly impacted my creditworthiness and financial standing. I have a signed letter from XXXX 's CEO stating that the information is in fact inaccurate and this letter was based on a former complaint I made through CFPB directly to XXXX. Yet it still remained 2 years after the fact and continues to report. 

Under the FCRA, I am entitled to accurate credit reporting and prompt investigation of disputes. Section 1681s-2 of the FCRA mandates that consumer reporting agencies ( CRAs ) like XXXX, Transunion and XXXX and debt collectors like XXXX must promptly investigate and correct inaccurate information upon request.

Furthermore, these inaccuracies have caused me financial and emotional distress, which entitles me to pursue damages under the FCRA, including actual damages, statutory damages, and attorney 's fees as outlined in Section 1681n of the Act.

I have attached copies of the original complaint filed against these entities, along with supporting documents including credit reports highlighting the discrepancies. This documentation should provide a clear overview of the issues at hand. 

Therefore, I respectfully request the following actions from the CFPB : Removal of Inaccurate Information : I request that XXXX and Transunion Investments promptly remove the inaccurate debt information from my credit reports.

Investigation and Correction : I request that CFPB investigate these matters thoroughly and ensure that all entities involved comply with their obligations under the FCRA.

Arbitration for Damages : Due to the financial and emotional distress caused by these inaccuracies, I request arbitration to address the damages incurred, as provided for under Section 1681n of the FCRA.

During the course of the collections mis reporting, I have been declined business loans which would have provided my business room to expand. I have been declined for a mortgage, credit cards and funding.

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me by responding to the complaint.
Product: Credit reporting or other personal consumer reports

So there is a XXXX credit card in collections or as a charge-off on my credit report and it has been there since around the time of my divorce in XXXX My ex-husband ran a few of my credit cards up I paid them all down they were always automatically put into my checking accounts so they I just paid you know monthly whatever got the first bills before my divorce was finalized before he messed with all of my mailings put the credit card numbers into my bank and just was paying all of my bills. I have records of making payments to XXXX card and the amounts that is on this bill which is like {$3000.00} I think I paid them a little bit more than that might have been a little bit less but around the same amount that's due and I kept wondering why the it was never going down so I contacted them a couple years ago and I was trying to buy a house so it was probably in XXXX. And they said that I had to send in proof that I had made payments so I went to my bank I had gotten all the information from the bank all the payments that went out to XXXX card sent that to them and they told me that those payments went towards another account that it was not my accounts and they could not discuss that information with me. I said well this is the account number that you gave me on a bill before my husband messed with the mail and then all of my mail got redirected and then I never got another correspondence from you I said this is the account I've been paying on so I paid somebody's {$3000.00} bill you didn't notify me you didn't like anything like that so I've paid them the money I've asked them I beg them to take it off of my credit report it is holding me back from being able to purchase a house because they say my debt to income ratio is too high I want it deleted I have proven to them that I made payments through XXXX XXXX XXXXXXXX to XXXX  in the amount of the {$3000.00} that is owed to XXXXr I paid them they applied it to somebody else 's credit card and will not discuss that information with me it is a charge off anyhow and it's been on my account for many years I would like it removed I have contacted the governor 's office of New Jersey and he gave me this information and asked me to Lodge a formal complaint through your agency
Product: Debt collection

Company did not provide notice required by California code 1788.52 ( d ) ( 1 ) when it posted a transaction on the account under the auspice of an adjustment. The company is attempting to change the statute of limitation on this account.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

Since the beginning of XXXX 2015, Global Credit & Collection Corp has been leaving voice mail messages on my answer machine that they are a debt collector and I need to call them at XXXX. They have called at least XXXX times. I do not have any debt so this is either a scam or a call to a wrong number.
Product: Debt collection

On XXXX I contacted IQ Data XXXX at XXXX and spoke with a man named XXXX XXXX to attempt to settle an eviction debt from XXXX XXXX at a property previously called The XXXX in the amount of {$12000.00}. I asked if I could be provided with an invoice that shows why the balance is so high. The invoice received shows that I owe a balance of {$8800.00} but was advised that I owe $ XXXX and that my eviction account from XXXX is accruing interest? The company wanted to settle for {$9900.00} This does not make sense. I offered to make a settlement of {$7000.00} and asked if they would allow me to make the remaining payment 60 days but was an advised of only a 30 day extension from XX/XX/XXXX. I also contacted the previous landlord company ( XXXX XXXX ) at XXXX and every time I call I get put on hold or no answer. They refuse to accept payment and to work with me as a consumer for such a huge balance. I was then told to go take out a loan, use my tax return, and or use government welfare. I was also threatened that if payment was not made he would ensure I never get settlement on the account. I need assistance on this matter as it is affecting my ability to apply for housing. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am never able to log in to my equifax website. There is always a temporary unavailable error day after day. Even with resetting passwords and making new account with new email. You can never get any help or actual human beings on the phone.