23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company is attempting to sue me for not paying a debt that isnt owed to them. This brought on a tremendous sadness. I have been feeling down and suicidal lately. This is harmful to my health and a defamation of my character. I found evidence that your organization didn't double-check for accuracy before reporting it. In accordance with Section 1681e ( b ) ( b ) Accuracy of report of the United States Code ( 15 U.S.C. When a consumer reporting service creates a report on an individual, they are required to take reasonable measures to ensure the data is as accurate as feasible. According to my research, Section 1681 ( 5A ) of Title 15 of the United States Code deals with now false or questionable facts are handled. They cant provide any verifiable proof that I signed anything agreeing to pay them. Under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an an account with XXXX XXXX Since XXXX of 2016 and have always done monthly payments of {$200.00} to them. I always call and send that exact amount every time and it never changes. Next thing i see i get a 30 dyas late on my credit report from XXXX XXXX on my credit report for {$11.00}. I do n't understand what was going on. i was never notified that there was a difference in the monthly payment that month or that there was a remaining balance. Money is n't an issue for me as i work very hard to pay all my bills. Now my credit is hurt over {$11.00}. I am asking out of goodwill if this can be adjusted and fixed so i do n't have a discrepancy on my report over {$11.00}, If i need to pay the {$11.00} or any other balance up front i will have no problem doing so. Please advise as i am shopping for a new home but now the underwriters are telling me that because of my late payment on my credit report it may not be  possible.
Product: Student loan

My loans went to collections, and I was garnished. I went through a program to get me back onto track, and get my loan into good standing. They said after 6 months of on time payments that they would end the garnishments, and my credit would be clear. I had to file bankruptcy. I called in to make my payment XXXX day, and they told me the program had been closed, and I had completed it in good standing. This was 15 months later. My loan never left garnishment. Now they want me to make a second payment every month after they have already taken the money out of my check. I just went back to college, and when I asked about a deferment during college they just moved my currently owed payments to the end of my loan, and are still billing me.
Product: Payday loan, title loan, or personal loan

I noticed that moneylion had not been deducting the payments I had set up with them. I navigated their site and I couldn't find a payment portal, so I emailed them 4 times and I tried calling to no avail. ( this is a common complain that can be found online with other customers as well ). The hold time on the phone is long and then an operator comes on and says they're busy and tells you to call back later. I also emailed them requesting that they deduct the balance due from my bank account. I emailed them a total of four times. Also, I had my payments setup for automatic deduction, why did it stop? Yesterday, XX/XX/19 I I recieved an online notification that my Moneylion account is delinquent. This is very frustrating. Moneylion also went back and changed my payment history, all the way to XXXX, as delinquent. Although they had been automatically deducing payments from my account. Then in XXXX, for some odd reason, they stopped. They haven't returned any of my emails to rectify this situation. I am requesting that someone from Moneylion get in contact with me so I can pay my balance off and also Moneylion should correct my account to the credit bureaus as not delinquent.
Product: Debt collection

On or around about XX/XX/2017 I received a hard inquiry on my XXXX  credit report. I was alerted by a credit monitoring alert through XXXX. Concerned due to the fact I hadnt recently applied for anything it showed the company Kirschaun, Nanney, Keenan & Griffin, P.A. had run a hard inquiry on my credit report. Considering I have never given them my personal information I called that following Monday and was told I owed a debt to XXXX XXXX which I hadnt recently done business with. I received a response from the company in which I still have screenshots and print outs and I informed them it was fraud. There was enough information provided from the company the last time I made a complaint to investigate with the assistance of an attorney. I even called XXXX customer service and was told they had no idea what I was talking about.The VIN number of the car Was searched it belongs to someone else. I have documentation to show the car was sold by XXXX in another state. We ran a VIN check. # XXXX. 
XXXX XXXX XXXX. I would think a collection agency or a entity that acts as one would have common sense to investigate. XXXX clearly provided false information and after informing Kirschbaun, Nanney, Keenan & Griffin, PA they still committed fraud on behalf of XXXX. Fact # 1 I was not and have not been a resident of XXXX let alone XXXX XXXX for more that 2 years. My drivers license is proof and my lease agreement to my apartment. I couldnt of purchased a car if I wasnt physically wasnt in the state. I was a resident of XXXX   then now a resident of XXXX. I have yet to see a car loan application, copys of any identifying information. After the response from my last complaint to the Consumer Financial Protection Bureau I sent the company certified mail which was later rejected and sent back stating it was the wrong address. But I clearly sent it to the address provided which was a XXXX XXXX In XXXX XXXX. I have made a formal complaint to the state bar due to the misconduct and false documents provided by Kirschaum, Nanney, Keenan, & Griffin, P.A.
Product: Debt collection

GM Financial is continuing to report a balance on the charged-off account, despite having sold the debt to a collection agency. This is a violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 5 ), which requires that the original creditor report a {$0.00} balance once the debt is sold.

The charge-off account is being updated monthly on my credit report, inaccurately suggesting ongoing negative activity. This practice is misleading and in violation of FCRA 623 ( a ) ( 2 ), which mandates the accurate reporting of account information.

The simultaneous reporting of a charge-off with a balance by GM Financial and a collection account for the same debt constitutes a form of double reporting, which is unfair and misleading.
Product: Debt collection

I received notification via a credit monitoring service that this company named IC SYSTEM added a fraudulent debt from XXXX on my credit report. IC SYSTEM HAS violated my rights under the FDCPA AND FCRA ACTS. I was never notified of this debt in any way fashion or form to request validation before they reported negative information on my credit report. Im seeking immediate monetary relief as well as deletions to all credit reporting agencies not just the major three but all data repositories and data furnishers. 

Here is also my Debt Validation Request! 

Dear I.C. SYSTEMS, I am writing in regards to the collection account IC SYSTEMS reported to the CREDIT REPORTING AGENCIES I have no knowledge of this alleged debt. I am requesting that you provide me with full validation of this account as required by law under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am disputing the validity of this debt and I am requesting that you provide me with the following information : 1. The name and address of the original creditor.

2. The original account number associated with the alleged debt.

3. The date of the alleged debt.

4. Documentation proving that I am responsible for the alleged debt.

5. Itemized statements showing all charges, including fees and interest, associated with the alleged debt.

6. Amount of debt 7. Proof that you are licensed to collect debt in the state that I'm in 8. Proof of the last payment made on this account I am invoking my rights under 15 USC 1681G of the FCRA to request this information, which requires that you provide me with a complete and accurate accounting of the alleged debt. I am also requesting that you cease any and all collection activities until you have provided me with this information. Also if your reported negative information to any and all credit reporting agencies you must removed until a full investigation is complete. 

If you are unable to provide me with this information, I request that you immediately remove this alleged debt from my credit report and cease any further attempts to collect on this debt. 

I have no problem suing your company as a whole, along with its companys shareholders, employees, and register agents Thank you for your attention to this matter. 

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

On XX/XX/2019 a fraudulent inquiry for credit with XXXX XXXX XXXX XXXX was made on my Experian credit file. I've tried to resolve this issue 3 times with the credit bureau but have not been successful.
Product: Checking or savings account

I MADE A MOBILE DEPOSIT DEPOSIT ON XX/XX/2022, THE BANK ACCEPTED MY DEPOSIT, THEN TURN AROUND AND EMAILED ME TELLING ME THAT MY CHECK COULD NOT BE COMPLETED FOR " AN ISSUE WITH THE CHECK WAS DETECTED DURING REVIEW '' I CALLED TODAY XX/XX/2022, I SPOKE TO A GENTLEMAN, WHO DID NOT GIVE ME HIS NAME, BUT HUNG UP ON ME WHEN I ASKED ABOUT THE CHECK SITUATION. I CALLED BACK AND SPOKE TO A XXXX, SHE WAS XXXX, AND HUNG UP ON ME, CALLED ME BACK AND SAID SHE DID NOT CARE IF I FILED A COMPLAINT. I ASKED FOR A SUPERVISOR, SHE PUT ME ON HOLD, CLAIMED NO SUPERVISOR WAS AVAILABLE AND THAT ONE WILL CALL ME BACK TOMORROW AND HUNG UP ON ME AGAIN. I AM A LONG TIME MERCHANT, MEMBER, AND CUSTOMER OF SQUARE BANK, THIS IS NOT HOW YOU TREAT YOUR CUSTOMERS. I WOULD LIKE A CALL FROM A SUPERVISOR, TO GET MY CHECK STRAIGHT, AND AN APOLOGY FROM THOSE 2 XXXX REPRESENTATIVES.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I paid in full a debt owed to XXXX XXXX XXXX. As of today XX/XX/2019 after numerous contacts with Experian and XXXX XXXX XXXX whom stated they have updated the report to reflect paid. I also provide Experian with a copy of the letter and receipt that proves payment was made in full. Amount owed XXXX amount paid XXXX.
Product: Credit card or prepaid card

Forgive me its been going on a long time my credit card was taken during a car theft I was injured and was unaware of the use of my card once it was discovered and after I was able to get my self back to health Boa was notified and I was told not to worry Everything went fine nothing was ever said and for almost two years no word from boa then I get a letter out of the blue saying they. Were not going to sue me but would report this for the next 7 years. I contacted boa and was never given any reason for the time laps. I also asked for copies with my signature on the purchase I was told they didnt have it. 
Ive tried to resolve this. Last month I filled out a couple surveys and pointed out that boa is wrong And because of that they have reported over and over this to the credit agency and my credit dropped XXXX points with in a few days
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has blocked my online account and I can not dispute online anymore. I can not log in to my account and have no way of looking at my credit report I pay Equifax for credit monitoring please remove these negative items
Product: Checking or savings account

I have not been able to access my money since an account transfer for one week. Customer service line continues to disconnect me after holding for long periods of time. No clear path to resolution. Overall, this is making the majority of my liquid assets unreachable which is unacceptable - I need access to my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX : {$640.00} ; XXXX  XXXX XXXX Balance XXXX {$43.00} ; XXXX  XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$530.00} ; XXXXXXXX  XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX  ; XXXX  XXXXXXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX  ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am reaching out to you because Ive discovered a serious issue with my credit report that requires your immediate attention. Upon reviewing my report, I found an account that was opened in my name without my permission. I want to make it absolutely clear that I did not authorize or initiate this account in any way. This is a case of fraud and identity theft.
Product: Credit reporting

A hard inquiry has showed up on my credit report and I did not apply for anything, this is fraudulent. WE received a letter from the IRS stating that someone has our information and is trying to use it to get credit, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against : XXXX ; Equifax and XXXX. Each is reporting incorrect information on my account. Combined they have inflated the balance of my accounts @ {$50000.00}. Additionally, I have repeatedly tried to have my credit freeze temporarily lifted so that Social Security can verify my identity and I can check my account, to no avail. I have written, called and complained, to no avail. Each of the reporting agencies indicate I am delinquent on my XXXX XXXX Credit Card, My XXXX  XXXX Credit Card, and my XXXX card. Each of these cards has a {$0.00} balance and have never been late. Further, ( 4 ) XXXX Credit Cards fraudulently obtained in my name were forgiven by XXXX and written off. I never benefited or used any of these cards nor do I have them in my possession. None of these cards have a monthly payment and I have never been late with any such payment. I never made a payment on these accounts. You can imagine the havoc this is playing with my finances.
Product: Checking or savings account

On XX/XX/XXXX, I noticed a new account linked to my Bank of America account. I only have a Bank of America Platinum Plus Mastercard that I have access to online. Another account was added under my login that was listed as, " XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ''. Details show the account may have been opened on XX/XX/XXXX with several transfers of credits and debits that include a description listed on XX/XX/XXXX noted as " Transfer from my name to an unknown name listed as XXXX XXXX. After immediately contacting Bank of America Fraud Dept when I noticed this on XX/XX/XXXX, they initiated their process of identity theft/fraud. I did not open this banking account and do not know who XXXX XXXX is as this name is noted with the transfers. I also completed a police report with my local police department. 
After receiving further documents from Bank of America, I don't know how this account was opened with my name but there were two separate checks used to make the deposits. Each are {$99.00} and dated XX/XX/XXXX with my full name, address, email address, and former telephone number listed and show XXXX XXXX as the check account which appear in the line items of Bank of America on XX/XX/XXXX. I do not have a checking account with XXXX. The signatures on each check are obviously computer script and not my own. Memo line on one reads Electric Bill and the other check reads For Purchase. Transfers, returns, and fees from XX/XX/XXXX through XX/XX/XXXX appear as line items in the Bank of America detail. This account has since been removed and closed. However, Bank of America is requesting very personal information from me to mail back to them that includes my driver 's license, copy of social security card, copy of social security statement, copy of police report, proof or residency, any original documents received. Their letter says to mail or fax all of this within 30 days or my claim will be denied. This seems extremely shady that Bank of America authorized a fraudulent checking account in my name and now in order to pursue my claim they need all my confidential and sensitive documents that a person could potentially apply for any credit for anything. This seems highly inappropriate for Bank of America.
Product: Debt collection

Dispute of Incorrect Information on Credit Report Genesis Credit Management is reporting incorrect information on my credit report. According to your records, I allegedly owe a balance of {$5900.00}, which they are charging interest on. However, I have no business with your company, and this information is inaccurate. 

The property in question is XXXX XXXX Apartments. When I moved out, the apartment complex settled all outstanding balances with the {$3000.00} security deposit I paid upon move-in. The property has since been sold, and there should be no remaining balance associated with my account. 

Your companys actions are in violation of consumer credit laws, including the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and verifiable. Additionally, according to the Uniform Commercial Code ( UCC ) Article 9, which governs secured transactions, creditors are required to act in good faith and provide accurate information regarding any alleged debts. Under UCC 9-102 ( a ) ( 28 ), I am considered the creditor in this transaction, not the debtor, as the security deposit was used to settle all outstanding balances.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent certified letters to all 3 credit bureaus demanding they remove all collections from my credit report because XXXX XXXX XXXX along with their partner company XXXX XXXX are NOT LEGALLY licensed to collect debt in the state of Alabama and when requested could not provide proof of purchase nor the purchase agreement as well as not being able to provide the terms of the purchase agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

XXXX XXXXXXXX  Date Opened : XXXX Balance : {$720.00}