23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Yes. XXXX outsources to XXXX XXXX who outsources to a debt collection agency. XXXX never sent a letter confirming they owned the debt. They use sneaky tactics like outsourcing to XXXX to debt collection agencies. They use a collection agency, United Credit Bureau in Ohio who are unprofessional and scare you into paying what you can not afford. They need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am submitting these documents as requested by your company i am letting you know that my rights have been violated multiple times by your company and you have broken numerous laws - 15 USC 1681 SECTION 602 A STATES I HAVE THE REIGHT TO PRIVACY -15USC1681 SECTION 604 A 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH OR REPORT ANY INFORMATION TO ANYONE OR COMPANY WITHOUT MY WRITTEN CONSENT OR INSTRUCTIONS-OR IF THE INFORMATION IS INNACURATE AND YOU HAVE NOT PROVIDED ANY WRITTEN INFORMATION SHOWING ANY OF THIS THE ACCOUNTS LISTED BELOW DELETE THEM FROM MY REPORT IMMEDIATELY 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 ALL INQUIRIES THEY ARE UNAUTHORIZED
Product: Debt collection

Sometime on XX/XX/2020, when I pulled my credit report, I found out multiple inquiries on my credit report that I did not recognize. I found also some accounts that I did not recognize. I only started to work on my credit report a few months ago, some accounts that did not belong to me already came off my credit report, unfortunately, I am still dealing with some. I recently received a collection letter from IC SYSTEM trying to collect on an alleged debt that I do not recognize, the debt is not mine and I have no other reason but to believe that I am a victim of Identity Theft.
Product: Credit reporting or other personal consumer reports

My credit report is showing unauthorized, unverified inquiries that is hindering me from being able to utilize my credit. Listed below will be the inquiries as well as date opened and the credit bureaus that it needs to be removed from according to the FCRA. XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have multiple inaccuracies on my credit report with Experian, XXXX, and XXXX. I have undergone three rounds of disputes so far and have had no proof supplied to me that an investigation was completed and the appropriate corrections have been made. 

Accounts : XXXX XXXX XXXX XXXX  with account # XXXX, XXXX XXXX XXXX account XXXX XXXX, and XXXX  XXXX account # XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

i have receive a bill on XX/XX/XXXX stateting that i own money to the collection company EOS CCA reference off a XXXX account that i never open in my life and i never had a XXXX account before. 
In XX/XX/XXXX this collection company report this account to the 3 credit company and it damage my credit, i quickly disputed this negative item on my report and it was deleted because this is my believe is a false account or some one stole my information and created this false account.
Product: Debt collection

Today I received a Scam likely call at XXXX, I decided to answer it. A young lady ask is this S*********. I said yes who is this, she said what's your address, I said who is this she said this is Receivables XXXX XXXX now what's the last four digits of your social. I responded I don't give that out, she said we have it anyway. After that she said I owe for a XXXX XXXX bill and said I should settle it. I told her its not mines, she even read off a random phone number i told her I never had that number. She kept on wanting me to take the settlement I refuse because this is not my debt. She became angry, because I would not pay for something that is not mines. 

Shortly, after I talked to my attorney about steps I can take. First, he advice me to file a complaint, after that I can sue for defamation of character and harassment. I am taking my first steps, next I will began the process of suing this company,
Product: Credit reporting or other personal consumer reports

Please correct this credit report as XXXX  did accordance with the fair credit actt XXXX  has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTIg
Product: Credit reporting or other personal consumer reports

My account with ( DPT EDXXXX, ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( DPT ED/XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/year>, I went on a tour of an apartment complex, XXXX XXXX XXXX. I never completed an application nor did I express any interest in the apartment. In XXXX and XXXX, I received debt notices stating that I owed {$120.00} for completing an application or for move-out fees. I informed them via phone and email that I did not apply for an apartment with them and that I have never lived there. I never uploaded any documents or provided any sensitive information to complete the application. 

On XX/XX/year>, I spoke with XXXX, who claimed the charge was for move-out fees. I reiterated that I had only toured the apartment and had never lived there or completed an application. She promised to investigate and call me back, but instead sent an email claiming she had called, which she had not. Subsequent attempts to reach her by phone went unanswered. 

I called each time I received a debt notice. They either assured me they would inform the original tour guide or the property manager. On XX/XX/year>, at XXXX XXXX, after receiving a paper debt notice from National Credit Systems , Inc., I spoke with XXXX. He told me to speak with the property manager, XXXX XXXX. Despite multiple attempts and leaving messages, I have not received a call back from her. 

I am submitting a complaint for fraudulent and unethical activities against National Credit Systems XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. They unethically retrieved and shared my personal and sensitive information without my consent, and are now sending debt collection notices to my new address, for which I am not responsible. The information provided to XXXX XXXX XXXX XXXX XXXX XXXX XXXX new address after relocating to XXXX, FL, which I did not give them. Therefore, XXXX XXXX XXXX XXXX XXXX my sensitive data without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has numerous addresses, phone numbers, and versions of my name on my report that are inaccurate, outdated, or that do not belong to me. 

Reporting this information puts me at risk for fraud. I have information on the Black Web and have inquiries made by individuals who have accessed my information and apply for credit in my name at addresses where I do not live. 

Since XX/XX/2018, I have asked every month by letter that the information be removed and that ONLY my legal name, current address, current employer, and NO phone number be listed. 

Experian is violating my consumer rights to have accurate information reported. 

They are not reporting 100 % accurate information as required by Section 609.
Product: Credit card

I been dealing with the promotion with synchrony bank ( XXXX XXXX credit card ) sincei made a purchase on XXXX XXXX 2015 with a promotional period of 36 months with 0 % APR and, they duplicated my purchase so I been calling every single moth in order to fix this problem once for ever, and I believe I a victim of an scam by this institution because I did only one purchase for {$3300.00} on XXXX XXXX 2015 no other ( of {$2400.00} ). 
I m sick and tire speaking with synchrony bank customer service and they did nothing about this problem that is affecting my credit and my minimum payment agreed as the promotion offered. 
thank you for your attention in this matter
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX This inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Vehicle loan or lease

I traded a car that was financed through PNC Bank on XX/XX/XXXX. The dealer sent a check to PNC Bank in XXXX via XXXX on XX/XX/XXXX, which was received and cashed by PNC on XX/XX/XXXX, per the information on the back of the check. The correct VIN and PNC account number was provided on the document attached to the check, along with dealer information. However, the funds were never credited to the loan account, despite numerous phone calls to PNC Bank by me and the dealer 's finance/accounting representative. I personally have been in communication on a daily basis with no less than 5-6 individuals at PNC Bank, 3 of them in the Escalation Department with no resolution of the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. I recently found out about this from the FTC site. 

I visited the Equifax site that is dealing with the breach and inserted my information to see if I was affected in the breach. 

Based on the information I provided, their records indicated that my personal information was impacted by the incident. 

The settlement includes up to {$420.00} XXXX to help people affected by the data breach. 

Knowing this, as a affected consumer, I mailed in an affidavit with an demanding compensation of {$20000.00} for actual damages sustained by me as a result of Equifax willful negligent noncompliance pursuant to 15 USC 1681 ( o ) ( a ). 

They have not responded to dispute any facts in my affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After many hours of studying the law and research of the protection consumer laws, I have sent several letters to   XXXX   Equifax and   XXXX   regarding fraud on my credit report related to an address in  XXXX , IN.  XXXX   XXXX   XXXX  student loan unverified with no contract or proof, with a letter from the  Office  of  XXXX   XXXX . The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have  two  fraudulent bankruptcies 1 on  XX/XX/XXXX   and the  XXXX  on   XX/XX/XXXX  . In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to the  Consumer Financial Bureau to  get assistance when these agencies are n't following the proper rules laid out by Congress in the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX VXXXX 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

I was a victim of identity theft and I made sure to inform all credit bureaus and add a statement that no credit should be obtained till I get a phone call. I also submitted a copy of a police report and FTC report. All major credit bureaus helped deleting inaccurate information except EQUIFAX. They made this process impossible and after a few disputes, the process is always verified and nothing can be done to make them really reinvestigate.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : I am writing to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). Below are the accounts I am requesting to be verified, corrected or deleted : XXXX XXXX XXXX ( Account # XXXX ) Charge-off reporting every month from XXXX XXXX XX/XX/year> with a balance of {$17000.00} past due. Please verify the accuracy of this informationXXXX XXXX XXXX XXXX  XXXX ( Account # XXXX ) Collection account with a {$890.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. XXXX XXXX XXXX  ( Account # XXXX ) XXXX  account with a {$130.00} past due balance as of XX/XX/year>. Please confirm the accuracy of the collection status and details. If these accounts can not be verified, I request their immediate removal from my credit report. Enclosed are supporting documents, including my credit report with the disputed items. Please complete your investigation within the 30-day timeframe required by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX. Enclosures : Credit Report Supporting Documentation.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

THIS COMPLAINT SHOWN BELOW FILED ON XX/XX/23 ( CFPB # XXXX ) WAS INCACCURATELY LISTED AS A DUPLICATE COMPLAINT. AS A RESULT I AM REQUESTING THE ARBITRATION AGREEMENT AND THE CONTACT FOR THE LEGAL DEPARTMENT AS THE SPECIFIC INFORMATION REQUESTED WAS NOT SUPPLIED. 

For my Kohls/Capital One XXXX, I never received a true/certified copy of the original application for credit showing the wet ink signatures authorizing and binding myself and Kohl's/ Capital One. I have no records of signing with my wet signature to authorize the account. I never received the true invoices signed under penalty of perjury confirming that Kohl's/ Capital One provided their own assets and that the alleged debts are valid. According to 12 USC 83 banks are prohibited from loaning their own assets i.e. shares of stock. Finally, I never received the accounting statements from Kohl's/ Capital One related to the account i.e. XXXX XXXX, XXXX, XXXX, XXXX and XXXX. On top of that various laws have been violated. For example, as per 15 USC 1681 Section 604 A Section 2 a consumer reporting agency can not furnish an account without my written consent. I never provided my written consent/ instructions. According to 15 USC 1681 c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following pieces of information any other adverse items of information other than records of convictions of crime which antedates the report by more than seven years. According to 15 USC 1681 s-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. 

THIS IS THE PRIOR COMPLAINT FILED ON XX/XX/23 ( CFPB XXXX ) AND AS YOU CAN SEE THE COMPLAINT IS NOT THE SAME Kohls credit card financed by Capital One continues to make inaccurate entries on my credit report for an alleged debt however they have failed to provide the contract binding both parties. 
AS I DID NOT GIVE WRITTEN CONSENT ON ANY CONTRACT, I AM DEMANDING THE ARBITRATION AGREEMENT, THE CONTACT FOR THE LEGAL DEPARTMENT AND THAT YOU PRODUCE THE EXACT DOCUMENTS REQUESTED IN THE XX/XX/23 COMPLAINT IN THE EXACT MANNER PRESCRIBED OR YOU HAVE NO OTHER OPTION BUT TO DELETE THE ENTRIES FROM ALL THE CREDIT BUREAUS.
Product: Debt collection

I had applied in XX/XX/XXXX for a online loan with Western Sky and from that point I been paying XXXX a month contantly and they had a lawsuit i wasnt aware of and they transfer to cash call and then to Delbert Services. I use to be able go online check how much i owed and now there is no website to be found and they send my information to many different people to collect they want me to get a debit visa card or go to the bank and will not mail me information about my debt which i thought i was done paying and it show delbert service on my credit report. and this person from oracle financial keep calling and want me to pay the debt i ask if they can mail me the information he stated i owed XXXX something and on my credit report show XXXX and i was supposed be done with payment for western sky in XX/XX/XXXX. then they was involved with XXXX and who called from XXXX and i just want to pay on it in legal way instead they direct me with no paper work on what i really owed