23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am aware that my SOCIAL SECURITY NUMBER belongs to the ( SSA ) SOCIAL SECURITY ADMINISTRATION and anything purchased with that Identifying number is as obligation of the UNITED STATES in accordance with 18 U.S.C 8 and being that you, PAYPAL is attempting to collect a debt from I, the consumer makes you, PAYPAL, guilty and in violation of the FALSE CLAIMS ACT ( FCA ) 31 U.S.C 3729-3733.

PAYPAL IS ALSO IN VIOLATION OF 18 U.S.C 894 FOR USING MY CONSUMER REPORT WITH EXTORTIONATE MEANS AS A WAY TO COERCE AND SWINDLE ME INTO MAKING PAYMENTS ON ALLEGED DEBT NOT OWED. I DID NOT CONSENT AND DO NOT CONSENT TO YOU PAYPAL FURNISHING THIS INFORMATION TO MY CONSUMER REPORT. I did not give you authorization or permission to have my personal identifying information, which you have obtained by AGGREVATED IDENTITY THEFT in accordance with 18 U.S.C 1028A.

THIS A NOTICE TO CEASE AND DESIST OF ALL ILLEGAL ACTIVITIES, INCLUDING REPORTING WHICH CONSTITUTES COLLECTION ACTIVITIES.

THIS IS ALSO A NOTICE EXERCISING MY RIGHTS TO PREVENT THE PROCESSING OF MY PERSONAL DATA BY PAYPAL FOR THE ( 1 ) ACCOUNT OPENED : XXXXXXXX XXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX  and Experian are not responding to any of my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

I am currently doing complaint in regards to expiring due to failure to properly investigate this issue I brought tot heir attention on three or more occasions.

Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf.

See attachment below.

I would like for this to be properly investigated and actually investigate as im aware of lawsuit against your company for lack of investigation.
Product: Credit reporting or other personal consumer reports

TransUnion Credit Solutions has been reporting an account on my credit report that is fraudulent. I have submitted a copy of the police report and FTC report, and TransUnion continues to report that the account has been verified as accurate. At this time Transunion has violated the FCRA, by not doing a reasonable investigation into XXXX XXXX XXXX XXXX that they are reporting under my social security number that they maintain under my social security number.
Product: Credit card or prepaid card

I have had four credit cards with Citibank for many years. I have always paid my bills on time and never missed a payment. I was extended a good deal of credit over the years ( over $ 15K ) and have used and paid that off several times. Recently, Citibank decided to reduce my credit line with all four of my cards, which in turn affected my credit to debit ratio. They reported the reduction to XXXX, and now my credit/debit ratio is terrible! They took away around $ 12K in credit. I have called several times to ask why and I just get the run around and am told that " we reviewed your credit report and your credit/debit ratio is too high. '' It's only too high because Citibank reduced my credit for no reason. I have a pretty low balance on all cards currently and am still paying them off each month religiously. 
They have also raised my interest rate from 0 % to 23 %. 
This will affect all my other credit on my report and look bad, when in fact I had nothing to do with their decision. 
Please look into this for me. 
I appreciate your help. 
XXXX XXXX
Product: Credit card

This PRESSLER / XXXX XXXX XXXX has been sending me notices to collect a debt which has already been paid to XXXX in New York long long time back. 
Pressler does n't take the phone when I call him. 
Thier file XXXX XXXX Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to delete and update some personal information that is on my credit report ; because it is incorrect, neither it does NOT belong to me. The only addresses that should be showing on my credit report are XXXX XXXX XXXX, XXXX MI, XXXX, and XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX. The name XXXX XXXX is incorrect and needs to be REMOVED. The only telephone number that belongs to me is ( XXXX ) XXXX. The only job that should be reporting is XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE ANYTHING THAT IS INCORRECT OR THAT IS NOT MENTIONED ABOVE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Transunion, XXXX, and XXXX on XX/XX/2022 about a few incorrectly reported accounts on my credit report and requested that they verify or delete the incorrect information. It is now XX/XX/2022 and they have failed to respond in a timely matter and I have received no update from them. I am requesting that you have the incorrect accounts removed immediately.
Product: Checking or savings account

Multiple dates and amounts with my Wells Fargo account being insufficient due to my balance not properly being reflected. Multiple returned payments, late fees and overdraft fees made even though money was available at the time of transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXXXXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act funding XXXX XXXX XXXX  has violated my rights. 
Account opened XXXX for {$2900.00} 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, credit repair services, or other personal consumer reports

I have been working on my EXPERIAN credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXX, IL XXXX and needs to be deleted. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACOUNTS WERE OPENED USING MY NAME AT ANOTHER ADDRESS, THERE WERE MARKED AS FRAUD FROM CREDITORS BUT EXPERIAN KEEPS VALIDATING INFO AND KEEP REPORTING IT BECAUSE MY REAL INFO WAS USED EXCEPT ADDRESS AND THERE IS ONE ACCOUNT THAT HAS TOTALLY DIFFENT INFORMATION THAT IS REPORTING XXXX ACCOUNT XXXX XXXX-UPDATED BY EXPERIAN XXXXFRAUD ACCT REPORTING STILL XXXX {$4500.00} REPORTED XXXX FRAUD ACCT REPORTING STILL XXXX {$1100.00} XXXX UNDER NAME XXXX XXXX WHICH IS NOT ME-FRAUD XXXX XXXX XXXX {$490.00} - FRAUD ACCOUT REPORTING XXXX XXXX XXXX XXXX  XXXX XXXX {$4100.00} FRAUD ACCOUT REPORTING STILL ALIAS NAME THAT I ASKED TO BE REMOVED USED FOR FRAUD XXXX XXXX IS STILL REPORTING
Product: Credit reporting

I 'm a victim of identity theft and some one got my information and try to open up lots of accounts in my name leaving me with lots of XXXX on my report. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX,XX/XX/XXXX XXXXXX/XX/XXXX. This is not fair to me
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts have been reported on my credit file. Under 15 U.S. Code 1681c-2, I am entitled to have this inaccurate information blocked and removed from my credit report. I have already provided the credit reporting agencies with the following : A copy of my identity theft police report XXXX XXXX. 
An Identity Theft Report filed with the FTC. 
A statement declaring that these accounts are not mine and are the result of identity theft. 
Despite submitting this information, the credit reporting agency has failed to block or remove the fraudulent accounts as required by law. I am requesting the CFPBs assistance to ensure compliance with federal law and that this inaccurate information is removed from my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vance and Huffman is a creditor who purchased a debt from XXXX. I have filed a police report around the same time that my personal belongings where tooking. Including bank information, id, work id, ssc. I have uploaded police report to disputing agency and still there was no investigation or correction to my credit report.
Product: Debt collection

I paid my student loan and the collection companies they send I showed proof that the loan was paid. I have two complaints with you. You said contact Department of Education so I call XXXX and put the complaint # XXXX and they keep telling me to contact Bass and Associates. I already contacted them with no reply. Please help me end this it's a big problem I don't want anybody trying to dock my pay or anything like that over something that is paid
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Secured card reported to XXXX  Equifax And XXXX As XXXX XXXX And was removed from my report On Or Around XXXX after it stopped reporting Around XXXX Of 2019 And i would like it back on my report. XXXX has told me to Request the bureaus Put it back on my report if this is wrong please contact XXXX XXXX  and advise them of this.
Product: Credit reporting or other personal consumer reports

XXXX Credit Bureau, XXXX Credit Bureau and Equifax XXXX Credit Bureau You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly, states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end Consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

I received a collection account on my XXXX, XXXX and XXXX XXXX XXXX from - JHPDE FINANCE I , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX I first realized this collection item was listed on my credit report in XX/XX/2021. I have attempted to contact the collection company to verify this debt is actually mine and have also sent requests for verification to all three credit bureaus. I have written proof as the letters were sent certified USPS.

To date - none of the three credit bureaus nor JHPDE Finance I , LLC have responded to verify my debt. I have also attempted to call this company and can not find a working number or any method to resolve this matter. 

If the debt is mine, I will be happy to pay it. However, when I have a negative, collection item and am unable to see what it is for and am unable to contact the company it seemed appropriate to escalate this matter to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir or madam : The following debt collection agency - SEQUIUM ASSET SOLUTIONS , LLC located at XXXX XXXX XXXX XXXX GA XXXX is reporting an account in collection that does not belong to me. 

I disputed the issue with the thee credit agencies. Within 48 hours XXXX had the account removed from my report. The other two reporting agencies are still waiting for a response. What I find troublesome is not only this error is stopping me from re financing my home but when I call Sequium they say they have no record of my account. I offered to provide them the information that is on my report and they said if they can't find it in their system there is nothing they can do. 

Below you will find the specifics of the account in question. I do not nor have I ever had an account with " XXXX XXXX '' What I find interesting is that when visitng the XXXX website the first three complaints are exactly the same ; XXXX XXXX and the person says they never had an account with them or they once did and the information is wrong. I would apprecaite any help your organization can provide. 

Date Reported : XX/XX/XXXX Collection Agency SEQUIUM ASSET SOLUTIONS , LLC  Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$120.00} Amount {$120.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Bank account or service

I have opened a XXXX checking account in XXXX 2016 with a promotional code XXXX offering XXXX XXXX XXXX miles when meeting {$1000.00} debit card purchase and process at least XXXX bill payment for two consecutive months. I confirmed when opening an account with a representative from Citibank that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements in XXXX/XXXX/2016, as confirmed via secure message with a Citi representative and was advised miles would be posted. On XXXX/XXXX/16, I have submitted another message to open an investigation to follow up on when XXXX XXXX miles would be posted. I was told that the investigation would take XXXX to 3 business days. It has been more than 7 days and I have yet to hear any response back. I have searched online and found out that there were numerous cases within Citibank not honoring XXXX XXXX miles bonus with opening XXXX checking account. I am being charged $ XXXX/monthly fee in my account and is about to pay another month of fee without any response from Citibank. I do not appreciate their continued to ignore this issue and refusal to award me the points I have earned, all while still charging me a fee for maintaining their XXXX checking account.
Product: Credit card or prepaid card

I have been trying to reach the collection agency handling the majority of my store card debts. The Bureaus INC. They never answer the phone and i am attempting to resolve
Product: Checking or savings account

XX/XX/2021 I got a phone call from someone claiming to be from XXXX saying my account had been fraudulent used. 
The incoming number was XXXX. 
They had me download 2 apps one called XXXX and the called XXXX. 
I foolishly believed them and did give them my bank info so they could fix the problem. 
Everything seemed ok but later that day my bank account was emptied of {$5000.00} Dollars leaving with with a deficit of {$1500.00}
Product: Debt collection

I lived at XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, North Carolina from XX/XX/XXXX to XX/XX/XXXX and paid my Rent of {$810.00} per month for the 2 Bedrooms 2 Baths to date. The Apartment manager charged me a " 1 month Rent of {$810.00} Refundable deposit '' before I moved in, with the promise that they are going to give me that money back when I move out which never happened.

Surprising after withholding my deposit when I moved out, they still had the order-city to put some unauthorized charges amounting to {$1500.00} on me and gave me to a collection agency called National Credit Systems who have been harassing and damaging my Credit for almost five years now. I do not owe anything to pay to the Apartment company, they rather owe me my deposit Refund of {$810.00} Therefore, I would appreciate you contacting this Collection agency on ( tel. XXXX ) or on any other means for them to remove the {$1500.00} debt from my credit as soon as possible.
Product: Student loan

I am {$190000.00} in debt with Sallie Mae for my XXXX degree from a public university. I was never told that my loans could never be consolidated, and that the company would be expecting over {$2000.00} a month from me for the combined monthly payments of all of my loans. Eventually, after forbearance for the maximum amount of time and a few months of missed payments, I was able to negotiate down the monthly payment to {$1000.00}. I have been paying this since XXXX of this year, with occasional help from my cosigner. This amount is simply unsustainable for me, as well as for my XXXX year old retired grandmother who never went to college and would have never cosigned my loans for me if she knew it would cause so much stress and financial hardship after I graduated. The company has regularly taken money from my bank account without my consent, causing me to miss rent and car payments. I do not know what to do, I can not keep paying this large amount every month and neither can my cosigner, who is on a retirement income. Due to the pandemic, I had to cancel my plans to move for employment ; and now, due to these high monthly payments, I am unable to save any money to better my life. My landlords are raising my rent and I already barely eat or buy necessities, and I feel utterly hopeless about my financial situation as long as these high monthly payments are being demanded of me.
Product: Mortgage

Equifax is reporting incorrect information on my credit report for my XXXXXXXX XXXX. They report that I owe {$150000.00} with the last payment date of XX/XX/2024 that was updated XX/XX/2024. The actual amount owed is {$150000.00} with a date of last payment date of XX/XX/2024. I have provided documentation of the error.
Product: Debt collection

this is in reference to another complaint I filled XXXX, messages are included... This number XXXX XXXX continues to call after I have repeatedly told them to not contact me again... I once again contacted the number they gave in the recording XXXX and asked once again for the name and address of the company, but the once again refused and proceeded to tell me they were sending the Sherriff to my home, I said please do and called them scammers because they were not following the laws outlined by the Fair Credit Reporting act...
Product: Credit card or prepaid card

I filed a claim on XX/XX/2022 {$310.00} Someone has been doing on my card since XXXX and I did another claim on XX/XX/2022 {$3000.00} The told me I received the money to my account and that's not true.I send in my bank statement for the of XXXX and a police report I didn't receive the money
Product: Mortgage

We had a short sale in XXXX, it was paid and closed XXXX ... Well since then Nationstar has reported it FORECLOSURE paid, and reported a 120 day late payment in XXXX and another one this year XXXX!!! This account has been closed and paid since XXXX and they are affecting my new VA loan right now because they are reporting seriously inaccurate information. They are in violation of the FCRA. I have disputed it and they have not fixed it and they continue to do new updates.
Product: Vehicle loan or lease

I PURCHASED A VEHICLEXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FROM XXXX XXXXXXXX XXXX XXXX XXXX IN XXXX FL. THE SALESMAN TOLD ME THAT NOT ONLY IS THE VEHICLE PUT THROUGH A RIGOROUS INSPECTION, BUT IT ALSO COMES WITH A 24-MONTH WARRANTY WITH A XXXX DOLLAR -DEDUCTIBLE. 
XXXX XXXXXXXX ALSO ADVERTISES THEIR IN-HOUSE FINANCING WITH MID FLORIDA FINANCE LLC WHICH IS THEIR FINANCE COMPANY. 
FAST-FORWARD I WAS DRIVING ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. WHEN THE CAR STARTED XXXX AND DECELERATING. THE CAR STOPPED RUNNING ABRUPTLY AND I HAD TO QUICKLY MANEUVER IT TO KEEP FROM BEING IN THE BUSY XXXX XXXX XXXX 
THE CAR XXXX PREVIOUSLY, BUT I THOUGHT IT WAS THR GAS. 
I WAS STRANDED OUT THERE FOR 4 HOURS, LEFT THE CAR OUT THERE TILL THE NEXT DAY, AND HAD IT TOWED TO THE MECHANIC THEY RECOMMENDED ME TO. HE TOLD ME HE HAS CARS COMING FROM XXXX XXXX EVERY D AY FOR REPAIR. 
I WAS LAYED OFF ON XX/XX/XXXX AS AN XXXX. I EMAILED MID-FLORIDA FINANCE LLC AND EVEN UPLOADED MY UNEMPLOYMENT COMPENSATION INFORMATION WITH THEM. LATER I FOUND OUT THAT THEY DO NOT CHECK EMAIL BUT CAN CALL YOU WITH HARASSING PHONE CALLS AND THREATS. 
I WAS WITHOUT A VEHICLE FOR OVER 2 MONTHS, IN THIS WAS NOT MY FAULT. I WAS UNABLE TO WORK OR LOOK FOR WORK, MISSED DOCTOR APPOINTMENTS, WAS STRESSED, AND WAS EMBARRASSED DUE TO THIS SITUATION. 
ALL MID-FL WANTED WAS MONEY IN MY SITUATION, GRANTED I LET THEM KNOW THAT I FOUND A JOB AS A XXXX XXXX, AND WILL START WORK ON THE XXXX OF XXXX. 
IT IS AMAZING HOW I PAID THEM THEIR MONEY AND HAD TO WAIT TO GET CAR BUT THEY CAN WAIT FOR ME. I FEEL THEY KNEW THE CAR WAS A LEMON OR NEEDED A TRANNY, USED ME TO GET IT FIXED AND REPO VEHICLE TO LATER RESALE. 
I SEE THEM AS A PREDATORY LENDER.