23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Complainant : XXXX XXXX XXXX Secured Party Creditor : XXXX Filing Number : XXXX Respondent : Goldman Saacs XXXX Nature of Complaint : I, XXXX XXXX XXXX , am the Secured Party Creditor of XXXX XXXX XXXX XXXX secured under XXXX Filing Number : XXXX. This filing establishes my superior claim and legal authority over any debts or obligations tied to that name.

Goldman Saacs continues to report inaccurate information to the Credit Reporting Agencies ( CRAs ), specifically a charged-off account, despite the fact that I, as the original and superior creditor, did not authorize the transfer, sale, or assignment of any such debt. 
This conduct is a violation of UCC Article 9, as I have the ultimate control over any public debts associated with XXXX XXXX XXXX. Furthermore, any continued reporting of this debt without my consent is a direct infringement of my legal rights under the Uniform Commercial Code.

Relief Sought : I hereby demand that Goldman Saacs immediately delete all negative reporting related to this account from all Credit Reporting Agencies. Failure to do so will result in further legal actions to enforce my rights under UCC law and pursue any applicable remedies for this violation. 
________________________________________ Respectfully, XXXX XXXX XXXX Secured Party Creditor XXXX Filing Number : XXXX
Product: Student loan

My loan was settled in full with a collection agency on behalf of XXXX/Navient in 2015 with a confirmation settlement in full letter received. 

Navient ( a subsidiary of XXXX ) has forwarded the settled balance to outside collection agencies multiple times to which I have responded multiple times that the account is settled/paid in full and to provide verification of the debt from the original creditor. To date, none has been received but in turn I will receive another letter and/or phone call from a new collection agency within a few months time.
Product: Credit reporting or other personal consumer reports

1. Violation of FCRA : The FCRA mandates that credit reporting agencies must ensure the accuracy of information ( 15 U.S.C. 1681e ( b ) ). The discrepancies between the reports suggest non-compliance with this requirement.

2. Consistency Across Reports : The same account was corrected and removed from other credit bureaus. It is concerning that TransUnion continues to inaccurately report this information despite other bureaus ' corrections.
Product: Credit card

I visited a merchant in XXXX, XXXX and purchased a {$20.00} hat with my Barclays credit card back on XXXX XXXX, 2017. The merchant charged the correct {$20.00} to my card, but seems to have also fraudulently charged {$120.00}. I disputed the charge with Barclays because I never authorized it, was never made aware of it by the merchant, and it was fraudulently charged. Barclays responded that they would not remove the charge because the " chip was used. '' The merchant asked me to hand him my card so he could run it, I was unable to see what he was doing on his end. When he showed me the screen, the correct amount of {$20.00} was displaying, so if he did it before showing me the correct amount, I have no idea. The purchase was not treated as a Chip + PIN purchase as it never prompted me to enter my PIN. I could understand Barclays argument if I had entered a PIN, but just because the card 's chip was used does not mean that I authorized the charge. By that flawed logic, one would be responsible for charges a waiter makes when he takes your card to the " back '' to run your bill. I am sure that neither Barclays nor the merchant will be able to produce a signed receipt in the amount of {$120.00}. Barclays went even as far as issuing me a NEW card with a different number when I reported the incident, but refuse to refund me the {$120.00}.
Product: Debt collection

I received a voice message on my cell phone from a collection agency. The name of the agency was not provided. The female caller 's message gave a number and a website, XXXX. I was unable after several search attempts to find the site. 
I called the number provided and when I asked the name of the caller, i thought he said XXXX. 

This billing is related to charges by XXXX XXXX that they failed to submit to XXXX on my behalf in XX/XX/XXXX. During the conversation when I attempted to relate this information to XXXX he became very rude demanding that I " just pay up '' etc. 
Since I was n't able to communicate my situation with him, At present, I have not received a written request. 

I politely asked that the agency make no further phone calls to me. XXXX rather arrogantly replied " We 'll keep calling until you pay this balance. 

I have contacted XXXX and have confirmed as I had questioned XXXX XXXX XXXX in XX/XX/XXXX, that they had received only XXXX claims during the calendar year, XX/XX/XXXX totaling less than {$300.00}. I was billed for {$280.00} which I have attempted to pay, and discovered that XXXX of my payments were never recorded. 

I called the clinic business office today to get the name of the company, Synerprise Consulting. I then called the agency and requested XXXX full name, but was told there was no one there named XXXX. The person I spoke to was XXXX ( who would not provide his last name ). Her told me he had no idea who it was that I spoke, but finally admitted that the name is XXXX but refused to provide that last name as well. 

XXXX has arranged to send copies of the XXXX claims filed by the clinic in XX/XX/XXXX which are close to {$200.00} total. I visited XXXX doctors at the clinic in XX/XX/XXXX and also had regular XXXX because I am on XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company by the name of tower loan has been putting inquiries on my report for the past 3 years. They have contacted distant relatives threatening them, and harassing me. I have never filled out any loan requests for this company, and have never given them my personal information. There are three unauthorized inquires On my report dating all the way back to 2018. They send blank checks to my address, without me giving them my information. These inquiries on my report are illegal, and all three credit bureaus refuse to remove them, nor offer any assistance. This is going on 4 years with unauthorized access to my credit report, and even adding more fees to a fraudulent loan.
Product: Debt collection

XXXX XXXX is attempting to collect a debt that is not valid. XXXX is the original creditor and they do not provide the services as promised. I have spoken with my attorney and the next correspondence will be from him. I do not owe this debt and am ready to take legal action against both companies.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand immediate action concerning a XXXX XXXX on my record that is unfairly affecting my ability to work and support myself. The XXXX in question is not a XXXX XXXX and does not reflect any illegal or unethical behavior. It is imperative that this matter be resolved promptly, as it is hindering my livelihood and professional standing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under XXXX XXXX : The North Carolina General Statutes ensure that all individuals are presumed innocent until proven guilty. XXXX XXXX XXXX  against me should not be treated as a XXXX and, as such, should not influence any professional or personal decisions, including those related to employment. 

2. **United States Code, Title 42, 1983** : Under federal law, I have the right to seek redress for any deprivation of my rights, privileges, or immunities secured by the Constitution and laws. Denying me the opportunity to work based on a pending and unadjudicated infraction constitutes a violation of my right to due process and equal protection. 

3. **Fair Credit Reporting Act ( 15 U.S.C . 1681b ) ** : The FCRA restricts the use of consumer reports for adverse employment decisions. This pending charge does not meet the criteria for consideration under the FCRA, as it does not relate to job performance, safety, or reliability. 

4. **XXXX XXXX XXXX  XXXX : The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, using this XXXX  as grounds for employment disruption is legally and ethically unsound. 

# # # **Impact on My Livelihood : ** This baseless and XXXX XXXX is directly affecting my ability to work and generate income. By treating a XXXX XXXX as a barrier to employment, my rights are being violated under both state and federal law. I demand immediate removal or reclassification of this XXXX so it no longer interferes with my employment opportunities. 

**Request for Immediate Action : ** I urge you to clear or dismiss this XXXX XXXX from my record immediately. Any further delay will result in significant hardship, and I will explore legal remedies if necessary, including filing a claim under Title 42, 1983 for deprivation of rights and seeking damages for the loss of income. 

I expect this matter to be resolved swiftly and look forward to a prompt response. 

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

I sent a letter on XXXX XXXX XXXX to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$1200.00}
Product: Vehicle loan or lease

I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report. 

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law. 

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. 

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue
Product: Debt collection

I received notice of a lawsuit from   XXXX   XXXX   XXXX   on    XXXX   XXXX  , 2017  for an  XXXX  card balance {$920.00}. I contacted them and because I did not want to have this dragging out or have to go to court, I discussed with  XXXX   XXXX   XXXX , a possible settlement. I contacted the gentleman within a day, indicating a family member would assist me but could only give us {$400.00}, we agreed on a settlement of {$500.00}. I never received a letter indicating same. A settlement letter was sent to me for the amount of {$650.00}. Every time I contact the office I get the run around. I was told the letter would be sent, it was never received. When I called back I was told it could be emailed and would be received by the end of the day. It was never received. I contacted the office again on several occassions and every time there was an excuse. I have been told it has been sent and I have been told it was not sent - all by the very same individual as he is the only person I have spoken to at the law firm. I have been told there is a backlog and I was also told because in my answer to the court I disputed the debt, it had to be cleared by the original debtor, Portfolio Recovery and they could not send the settlement letter. I contacted  Portfolio Recovery  and was told they could not provide any information. It appears they are deliberately preventing me from resolving this matter by giving inaccurate information. Thank you for your assistance. I do not know whether or not the amount in question is correct, but I do not want to be hassled by these dishonest people any longer. This firm is known for and has previously been sued by federal agencies for dishonest collection practices and now I am another victim. They have never provided any proof of contract in addition.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these reported items are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to you today to request the removal of the fraudulent accounts and information from my Credit File as soon as possile. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX and XXXX XXXXXXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance XXXX {$13000.00} XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid XXXX XXXX {$150.00} on account number XXXX XXXX for the final bill that they did not send to the correct address originally so I could pay it. I talked to a representative by the name of XXXX from XXXX XXXX there number is XXXX and she assured me that this account would be now changed on my credit report from collection status to paid in full and that the account was now closed. The confirmation number that this account was paid in full to XXXX XXXX is Name XXXX XXXX XXXX. Afterwards, on XX/XX/XXXX the account updated on all three credit reports as removed and paid in full. I thought that was the end of this situation but two weeks later on XX/XX/XXXX the collection agency that I disputed before about this account by the name of XXXX XXXX XXXX XXXX or XXXX XXXXXXXX XXXX placed me back on collections with the credit bureaus showing inaccurate information that this account has not been paid at all. Now once again I call the collection agency and they say that the account is showing paid in full and it shouldn't be showing on my credit report as a collection. I call XXXX XXXX they say the same it was paid in full and should not be shown as a collection on my credit report. I need this to removed immediately. On a side note The representatives from XXXX XXXX as well as XXXX XXXX were not helpful nor cooperative, as well as very rude. When I asked to speak to a manager or supervisor they did not direct me, told me I wasn't allowed to speak to one and on numerous occasions they also hung the phone up on me. I am very unhappy with the treatment I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

First Federal Credit XXXX XXXX XXXX. # XXXX XXXX, Ohio XXXX These people are debt collectors. I disputed a bill from a XXXX for charges they allege were not included in the payment they received from my insurance company.

I was refused treatment by this provider and they made an insurance claim anyway which was paid and are seeking additional money from me.

The debt collector reported to the credit rating agencies a " debt in collection '' which reduced my credit score by 31 points.

I called the debt collection woman and she said she could do this even if the debt was disputed. That's not my understanding. 

I just kow tow downed to their questionable legal blackmail and paid the {$110.00} to reinstate my good credit rating. 
The creditor they are stating who they are doing the collection process is not the doctor that I saw these people here are not even in the state. They got me confused with someone else and they damaged my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  I requested that XXXX, XXXX and Equifax validate that a bankruptcy that was reporting on my credit report was indeed mine. However, XXXX was the only one that replied verified although they did not investigate. XXXX and Equifax actually ignored my request. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. They violated my rights by not investigating and ignoring my request. The courts do not validate and there's nothing on my XXXX XXXX  reporting that shows any sign of a bankruptcy.
Product: Debt collection

This complaint is regarding Credit Control Corp. On my credit reports this debt collector reports the original creditor as " XXXX XXXX XXXX. Anyone who sees this can XXXX it and see that the XXXX XXXX is " ... a drug rehab center located in XXXX, VA, offering evaluation, detox, partial hospitalization and IOP addiction treatment. '' This is a violation of my HIPAA rights because it allows anyone that pulls my credit reports to made a determination of my medical diagnosis.
Product: Debt collection

have ask in the past to cease and desist all verbal communication yet they keep calling so far about twenty different numbers
Product: Debt collection

Somebody calls me every morning and is XXXX acting towards me. They say I owe a bill for a business that is not mine. I've asked them to stop calling in to do everything by mail and to mail me what it is they're talking about. They said they can call me every single hour of the day legally and I've asked him to stop at least XXXX times. The name of the company is Kinum
Product: Debt collection

On the date XX/XX/2021 I received a postcard in the mail from a debt collector, which is a violation 15 USC 1692b ( 4 ) and 15 USC 1692f ( 7 ). When I opened the letter I seen symbols witch is a violation according to 15 USC 1692b ( 5 ) and 15 USC 1692f ( 8 ). And a host of other violations. Which is unfair to the consumer.
Product: Mortgage

I allowed Quicken Loans to check my credit once in early XXXX of 2015 as I was shopping for a refinance opportunity. I checked my credit report and found Quicken Loans has made several additional credit checks since the first and only XXXX that I authorized. My credit score has dropped due to their repeated credit checking. After the original credit check with Quicken I told them I was not interested. I wish to file a complaint against Quicken Loans and request they have the credit bureau 's remove all the additional credit checks they made following the first and only credit check I authorized.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights CLOSED ACCOUNT -XXXX  account # XXXX XX/XX/XXXX2019 CLOSED ACCOUNT -XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX, 201

9 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without
my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX - Balance : {$3500.00} XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX - Balance : {$3000.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX - Balance : {$110.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Balance : {$740.00} XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX - Balance : {$4200.00}