23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX debt was liquidated in chapter XXXX that I filed in XXXX. I call this company and spoke with a gentleman name XXXX. I asked him why was he continuing to try and collect on a debt that first of all over 10 years old and secondly it has been discharged in my  chapter XXXX in XXXX. he said it was a mistake and he would rectify it. he did just the opposite, He went in an updated the opening of the account for XXXX XXXX. Noted this is illegal and he is practicing fraudulent reporting. I call him again on XXXX XXXX, XXXX. He claimed that he had the updated bill. I asked him to sent me a copy of the account that he said was opened in XXXX XXXX. He then asked me for an account number. Well, the credit Bureau has no account number for this bill because it was discharged in XXXX. I have the records from the bankruptcy courts where XXXX XXXX XXXX was listed numerous of times in my chapter XXXX. This company and XXXX are known for practicing illegal reporting and misconstrued information on peoples. They have been doing these type of tactic for years. XXXX is the person that does all the illegal reporting. I am faxing you a copy of the bankruptcy filing as evidence that this accounts along with other have been liquidated in my chapter XXXX filling in XXXX. 
this company Phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and I'm reaching out to you regarding my auto loan bank. The bank, XXXX XXXX, for my XXXX  XXXX XXXX auto loan did not fix the problem which they created themself in the first place. 
At the beginning XXXX XXXX had issue with my insurance when, in fact, I did have coverage on my vehicle the entire time of the loan. Then XXXX XXXX blocked the access to my online account and didn't cash out the checks I sent via mail for my car payments and put my auto loan into repossession. 
I've tried reaching out to the management of the XXXX XXXX but the representatives told me that the management would not be able to help but told me to buy their insurance for the previous months in order to take my auto loan out of repossession. 
It was very frustrating because for the entire time of my loan I had insurance coverage for my car. This all was happening during the time COVID-19 hit our country and some of my family member were sick which made things even worse. 
I fought with them over a couple of months and they finally admitted that it was a mistake in their system. XXXX XXXX confirmed that I indeed had coverage for the entire time of my auto loan. They rolled back all the extra fees and let me become current on my loan. 
XXXX XXXX, DID NOT FIX MY CREDIT REPORT which they promised to, my credit depleted because of this dispute and I reached out to all credit bureaus and they told me that XXXX XXXX has to fix it on their end. 
Since then 4-5 months passed and XXXX XXXX took no action. It is extremely difficult to reach out to them and in order to fix this problem. 

Would please reach out to XXXX XXXX for their wrongdoing and ruining my credit without fixing it and have them fix my credit report. If you are able to see my credit report, you can see that I was never late on any of my payments. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, Sunrise Credit Services , Inc. motioned to collect a debt {$1900.00} on behalf of their client XXXX XXXX utilities. 
They claimed that in XX/XX/XXXX " I made a payment of {$300.00} to XXXX and failed to pay the rest and as result, the debt due is now {$1900.00} As soon as I opened the letter on XX/XX/XXXX my first instinct was to give them a call. 
A woman picked up and immediately proceeded to tell me, " are you ready to make a payment for the amount due? '' 1 : I contented I have never authorized or, made any payment to XXXX ever. 
2 : I have never paid nor, received a utility bill from XXXX ever. 
3 : I do not have an account with XXXX, nor have they ever billed me for anything. 
In brief, XXXX XXXX XXXX XXXX XXXX attempted to collect {$1900.00} with evil tactics and I am scare they might try to hurt my finances.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were reporting XXXX XXXX correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX  FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

chex systems is reporting inaccurate information on my credit report. i have disputed numerous times and i have not heard anything at all. they have never resolved this. 

XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair rights reporting act : XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX have all violated my rights. 

15 U.S.C. 1681 section 602 A : states I have a right to privacy.

15 U.S.C. 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending Equifax letters on top of letters on top of letters. All the way back to XX/XX/21 that would be over 270 days if my math is correct. Their reporting is completely wrong and they keep telling me that it is VERIFIED. When i ask how the verified it as accurate, then they just ignore me. When i ask them to comply and do their job they ignore me. They are the ones that have taken it upon themselves to report credit information and they have a duty and standard that they must follow and they have completely failed at that, I think they may be ignoring me because i am a XXXX women in XXXX, which is a whole other set of ways they are violating 's me. How can they just ignore me and report false information at the same time. This one account has over 10 different errors in reporting yet they don't care. They don't even have my permission to report this information on my behalf and i was never even given an option to out opt. So i don't know hoe they are legally able to keep reporting this XXXX XXXX XXXX XXXX  on my credit profile? It needs to be removed and deleted now i can no longer be discriminated against, and lied to by Equifax credit Bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX 15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Inquiry Date : XX/XX/2024 XXXX XXXX Inquiry Date : XX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting my first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXXXXXX Balance : {$630.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX Balance : {$3700.00} XXXX XXXXXXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX & XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

This debt was paid on XXXX/XXXX/15 which settled this account. I was informed that this would not show on my credit any further. Upon obtaining a new job my credit was ran and this still showed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX, XXXXXXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$9700.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Bank account or service

I signed up a CITIGOLD account using the offer code XXXX for XXXX XXXX XXXX miles around XXXX/XXXX/2016. I have complete the requirement to earn the reward, which is one bill pay in two consecutive months and make {$1000.00} in debit card purchases within 60-days as well. However, due to recent data points online that a lot people are receiving the indicated bonus, I contacted CITI, which they refused to honor the deal.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and WITHOUT ANY EFFORT TO PROVIDE EXPLANATION AND SPECIFIC DETAILS OF MY VIOLATIONS. It also froze my hard earned money from my bitcoin trading for 180 days which is clearly a violation of my right and a due process. I explained everything from my side and provided everything they required from me but still to no avail. What they did is a grave abuse of discretion. I am not sure if this is some mistake as I hope it is. I have not been able to get help from them but I learned from an article that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal especially DURING THIS CRISIS OF PANDEMIC where people like me are doing to survive and to have a life. My email linked to my PayPal is " XXXX ''.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is reporting INCOME on my consumer report. According to the IRS publication ( ATTACHED ), CHARGE OFF is INCOME. DELETE THESE INACCURACIES IMMEDIATELY.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Debt Validation Dear Experian, I am writing in response to your recent communication regarding the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt. 
Please provide the following information : XXXX. The amount of the alleged debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Secured Loan with account # XXXX XXXX. The name of the original creditor. 
XXXX. A copy of the original agreement or contract that creates the debt, or an account statement showing the history of the debt. 
XXXX. Any judgment details if the debt is related to a judgment. 
XXXX. Proof that you are legally authorized to collect this debt in my state. 
Until I receive this information, I request that you cease all collection activities, including reporting this debt to credit bureaus. If you are unable to provide the requested validation, I expect that you will promptly remove this account from my records. 
Please send all documentation to my address listed above. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Student loan

I can not afford my private student loans payments. They want me to pay {$260.00} a month. My area was hit by a hurricane a few months ago so my loans were put on a deferment. I was told that when I came off the deferment that I could do a rate reduction payment. The rep told me that even though i have signed up to do the rate reduction twice that I am able to have someone sign me up. The deferment is over and they told me that there is nothing they can do to lower the payment. I have never worked with a business that has no heart. I was on the rate reduction for 2.5 years a few years back and paid it every month. Now all the 12.25 interest that has accrued it is back to where the original was. My life is totally over with this business not willing to work with me. I hope that others will take there business elsewhere it is not worth the stress this business puts people through.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed XXXX {$1000.00} ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Checking or savings account

On XX/XX/XXXX, I received a call and email from discover bank saying my account was frozen due to suspicious activity. I have no idea what that suspicious activity could have been. 

From XX/XX/XXXX to XX/XX/XXXX, I attempted to call their security hotline three times to resolve the issue. The first two times I was put on hold for over 45 minutes and had to hang up because I Had another engagement. On the third attempt I again had to wait 45 minutes and I was told my account was closed due to a business decision. They would not give me any type of explanation of notice that my account was being closed before I called them. They informed me my available funds would be mailed to me within 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

We entered into a business lease with with XXXX XXXX XXXX through a broker ( I did not know at the time ) XXXX XXXX for a purchase from XXXX XXXX XXXX for a 10 ' snow pusher and a 2.5 yard salt sander. However, XXXX XXXX XXXX placed the lease under my name personally as well as reported it to the credit bureaus. It was supposed to be under the business name only, XXXX 's XXXX XXXX which the contract reflects. I agreed to be the personal guarantor.
Product: Student loan

Could not get the information I needed regarding my student loan. Could not log in despite repeated attempts with correct user ID & password, then resetting all and could still not log in. Customer service took over an hour to reach and was very slow to fix the problem. My biggest complaint is lack of transparency with billing and how interest accrues and also the processing time ( XXXX months! ) to approve me for a type of repayment plan I applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my credit report fixed since XX/XX/22 because my identity has been stolen and I need this info removed immediately. This has been ongoing and after several attempts to get my information corrected it has not been fixed. 

XXXX. XXXX XXXX XXXX inquiries must be removed immediately this account was fraudulently opened under my name. 

XXXX. XXXX inquiries also needs removed XXXX. XXXX XXXX XXXX, XXXX, are also fraudulent XXXX. XXXX XXXX on TransUnion are not mine XXXX. Telephone numbers XXXX, XXXX are not mine
Product: Mortgage

I 'm currently dealing with a situation the mortgage lender, Ocwen. I received a statement dated XXXX XXXX, XXXX from Ocwen whereby there was a fee of {$300.00} charged for what the company says was for a valuation of the property. My son, intervened on my behalf to inquire why was the charge there, and when, if any valuation was done, what was the date? In addition, my son, who I granted authorization to work on my behalf with Ocwen, questioned the company about the valuation, ie. what company performed it and was there a report written, he was told that the information was not available and they could not tell him the actual date of the valuation. Furthermore, on the date XXXX XXXX ) in question when a valuation was supposedly done, I was at my residence and did not notice anyone performing such valuation. The entire conversation with Ocwen, when my son was on the phone with them was vague and not much information was shared. In addition, a request was made to speak to a supervisor to which the response was, " none were available at this time. '' My son asked was there another office that he could contact so that he could get to the bottom of the {$300.00} fee, and again, he was told " no. '' I do not believe this fee is legitimate nor fair since no one from Ocwen can tell me when and why the valuation was done on my property. In addition to the {$300.00} fee, there have been other fees that Ocwen has been charging me in the form of inspections at {$25.00} per, however, I do not have those older statements.
Product: Debt or credit management

I am writing to formally address a concerning situation involving a company called Genesis Credit Management. Over the past several months, I have been subjected to unethical and unprofessional practices that appear to violate my rights as a consumer. 
Unethical Use of Personal Information : It appears that my personal information was improperly obtained by Genesis Credit Management from my original creditor. This was done without my consent and raises serious concerns about data privacy and compliance with consumer protection laws. 
Unprofessional Behavior : I have received multiple calls from this company using different phone numbers, creating a sense of harassment. Additionally, I received a text message from an individual who identified himself as an employee of Genesis Credit Management, requesting that I send money. This same individual called me and discussed my personal information in a highly unprofessional manner, further eroding trust. 
Negative Impact on Credit : This company has negatively impacted my credit score by adding accumulated interest and reporting information that may not align with fair credit practices. 
Spam Calls : In addition to the aforementioned issues, I have been inundated with spam calls from this company, further compounding the distress caused by their actions. 

These actions not only violate my rights as a consumer but also demonstrate a blatant disregard for ethical and professional conduct.
Product: Debt collection

Constant harassing phone calls from XXXX XXXX from concord resolutions stating I have XXXX hours to pay or will be served papers and arrested. 

Concord resolutionXXXX XXXX XXXX XXXX NY XXXX