23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received phone calls from Portfolio Recovery Associates regarding XXXX credit accounts they stated I owed money on to them. I told them the amount was incorrect and asked if they would please stop calling me and my family members phone lines. They continued to send letters with the wrong amount and did not investigate the issue while also continuing to harass me and my family members. They took me to court and could not prove what they were demanding from me and the judge changed the amount owed. I was humiliated by this experience and what we went through. It was wrong and illegal and I will continue to pursue this matter in all legal means necessary.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with Experian Account Name : XXXX XXXX XXXX XXXX  XXXX ) Account Number : XXXX I let them know this account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099-C ( Cancellation of Debt ) from XXXX XXXX XXXX XXXX  XXXX ) in regards to the following charged off account listed below. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX received a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$550.00} as income on my taxes! This account can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX XXXX XXXX XXXX XXXX XXXX 's part. 

Delete this account from my credit report immediately for inaccuracy!
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
PERSONAL INFORMATION DO NOT BELONG to me : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Product: Money transfer, virtual currency, or money service

This is our last attempt to resolve this issue with Square after several attempts by contacting them directly, filling XXXX  complaint and also a previous complaint with CFPB, but Square has failed to address and resolve the issue yet. 
To clarify, THIS IS NOT A COMPLAINT ABOUT SQUARE DEACTIVATED OUR ACCOUNTS. THE ISSUE IS THE MONEY THAT WAS ON THE ACCOUNT AND BECAME AVAILABLE TO WITHDRAW AFTER A 90 DAYS HOLD, ITS BEEN TRANSFERED OUT OF OUR SQUARE ACCOUNT FRAUDUNETLY IN SEVERAL UNAUTHORIZE BANK ACCOUNTS. 

someone somehow access the account, added their back accounts and transfere the entire money on the account fraudulently. 

When I logged in to my Square account after 90 days hold on the funds, the balance showed up at {$0.00} and after checking the account history, I found that all the money on the account has been withdrawn out of the account frauduntly. 

The entire transfers needs to be immidietly reverse back to my Square account so I can transfer it to my own bank account. The total account of all the frauduent transfers are over XXXX dollar. 

I have made several attempts but Square seem like not trying to resolve the issue and this is my last attempt before I file a legal case or arbitration and will use all Square responses to these complaints as an evidence.
Product: Debt collection

I have been trying to verify a debt claimed to be owed to XXXX XXXX XXXX that is being collected by I.C. Systems, INC. I have sent I.C. Systems, INC multiple certified letters trying to dispute this debt, and I have yet to receive a response for the requested information. 

I contacted I.C. Systems, INC today in order to get the account number and was told by a representative of I.C. Systems, INC that they are not required to respond to disputes. 

I additionally have asked I.C. Systems, INC why the debt listed on my credit report is showing an account number that they can not find within their systems at all, but was told that they have no idea why that account number is showing and that they have no idea of how to rectify it.
Product: Credit reporting or other personal consumer reports

Exsperian  credit reporting has inaccurate reporting finger hit XXXX. Which was paid in full. Showing oncredit report history twice.. Which same company XXXX sold my name information to XXXXXXXX XXXX XXXX  requesting same amount money XXXX XXXX XXXX. Is requesting, same Exact money. Which has affected my credit scores for months. Which I'm Unable to contact Exsperian whom Has my Account XXXX. So I'm Unable to Dispute this to Exsperian
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Fair Credit Reporting Act, Section 609 Dear Credit Reporting Agency ( XXXX, TransUnion, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Bankruptcy Court the record indicates that you got your information from the courts. The courts dont release information you got your information from a third-party as results the bankruptcy needs to be removed from the credit report Friend accurate information you have 30 days to remove all these accounts at that time I will file lawsuits against all credit bureaus for having an accurate information As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XXXX XXXX XXXX XXXX XXXX  As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I called Collection agency : XXXX XXXX XXXX. I had informed the Collection agency that I do not feel that I should have to pay a debt to a collection agency that I never signed a contract for. The collection shows on both my XXXX and Transunion Credit report. I filed a dispute with all 3 credit bureaus and it has been recently removed from my XXXX credit report. I would like for the collection account to be removed from my Transunion and XXXX credit report. It is very hard for me to lease an apartment or house in my name due to this account showing on my credit report.
Product: Debt collection

Male caller identifies himself as representing PAN AM Collections. Telephone number is blocked. Argues when I indicate I can not pay bill at this time. When I attempt to advise him not to call but to contact by mail, he states, loudly, " I can not hear you when you talk at the same time '' very loudly. Attempts to get me angry as a form of abuse ( I am suffering from XXXX ).
Product: Student loan

I have been making additional payments through Nelnet 's Auto-Debit function to get the .25 % interest rate discount for the last couple of years. On top of my scheduled auto-debit payments, I make additional payments of about {$500.00} a month and I specify I want these extra payments applied directly to my loan with the highest interest rate. I recently noticed that for the last 8 months, Nelnet has chosen to apply my auto-debit payment to all my loans except the one with the highest interest rate. I called Nelnet to figure out what was going on and I was informed the the auto-debit function has an automatic trigger that when one of your loans gets paid down too far ahead of schedule, they stop applying payments to that loan group. Nowhere on their website or auto-debit form does nelnet reveal this information, in fact, they maintain that all payments are applied evenly among your loans unless you specify otherwise. I believe Nelnet is using this " glitch '' to maximize on the amount of interest students pay on their loans by prolonging their repayment, therefore, effectively applying a pre-payment penalty on government loans that are supposed to be protected from such penalties.
Product: Debt collection

After being intimidated with a court summons ( 2020 during the pandemic ) left at my door, and my XXXX nephew retrieve it as I wasnt home. I went to XXXX court to see what it was about sat on XXXX for 2 hours, no one ever showed up, so I contacted XXXX XXXX directly. 

I tried working out a settlement, NO YOU HAVE TO PAY IN FULLSo I did my best I paid more than half of the balance due and just couldnt afford it anymore. As many people struggled during the pandemic, I just didnt have the money to give and still dont. I reached out to them again ( 2021 ) asking if the payments I made could clear the debt never heard back. 

Now as of recently, they have frozen my bank account for this debt, how is that legal and how am I supposed to pay bills if my account is frozen? I know they are money hungry and dont care about people, but people are struggling, high inflation, gas, low to no pay and you freeze their accounts, such unscrupulous tactics.
Product: Mortgage

I took out a mortgage loan. The monthly payment was advertised to be a low payment. However, within the first year of the loan, the monthly payments kept increasing until I was not able to afford the payment anymore. The bank has changed several times. The loan has been transferred to several entities as you can see it on the summons and complaint and bank correspondence. I tried to do a loan modification but the bank, previous bank, claimed that my application was incomplete when I sent all the documentation required under the XXXX guidelines.
Product: Vehicle loan or lease

I had an account with Santander Consumer USA that was charged off in XX/XX/XXXX with a balance of {$2600.00}. There was no receipt or notification of deficiency, nor the right to cure or notice of sale. I requested account and balance verification in XX/XX/XXXXwith no response to either attempt. I then submitted a dispute XX/XX/XXXX again asking for account and balance validation, as well as XX/XX/XXXX. Again I received no response yet the balance on the account is updated to now reflect {$4600.00}. In XX/XX/XXXX the account now reflects a single payment in the amount of {$370.00} was made and the balance has decreased to reflect {$3400.00}. I did not make this payment and have not made a payment on this account since XX/XX/XXXX. The account updates again in XX/XX/XXXX showing a balance of {$4600.00} another update to the account was made today XX/XX/XXXX again with a new balance now of {$4800.00}. This company does not provide adequate customer service nor are they interested in providing any information in regards to my situation. Not only that they are updating a closed with false information. I have tried to rectify the matter with no help from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received a hard inquiry from the company XXXX XXXX that did not belong to me. I reached out to the company and they sent me a letter stating after further investigation that the inquiry was not mine. They also stated that Equifax could not remove the inquiry but yet change it to a soft inquiry. I've sent paperwork to them as well as XXXX XXXX. When I spoke with Equifax they told me they could not remove the inquiry. This inquiry was not me and I do not want it to remain on my credit report. I've had a similar experience with the company XXXX and it was removed with no problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I attempted to communicate with the company about reporting incorrect information to the credit reporting agencies about me. I noticed that the information as far as my social security number doesn't match and the company still reported it to XXXX   XXXX XXXX, XXXX. I contacted them as well in regards to the situation and nothing was done. I explained to them that the company could not verify my identity. The address doe not match or social security. I explained that this is against the law and I have acquired legal representation. I have filed a police report in the past about this matter.
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 items being reported 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 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 card

I have tried repeatedly since XX/XX/XXXX to resolve a payment/credit dispute with Comenity. XXXX payments made through my bank 's bill pay system have never been applied : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have sent in proof from my bank and complied in every way they've requested. Their online system is always experiencing problems, they do not follow up promptly, and they have made no attempt to resolve the issue. There is {$300.00} floating around somewhere in cyberspace and I am getting no help from the company. I am beyond exhausted and stressed trying to deal with this company. I just want them to fix my account and resolve my credit dispute!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to XXXX to remove a XXXX day late fee charge that was incorrect. Spoke to the XXXX XXXX XXXX and they agree that XXXX day late report should be removed and all late fees but XXXX late payments. XXXX refuse to change or update report with documents that was provided
Product: Credit reporting or other personal consumer reports

XXXX, Equifax XXXX XXXX has added this to my report without validation of account. This account does not belong to me and is reporting on my credit report, this account belongs to XXXX XXXX, as they agreed to take payment for emergency assistance and should contact them for the payment of this account. 
Please see documents to validate my claim. This is a violation of the FCRA and should be removed immediately. 

Collection Agency : XXXX XXXX, XXXX Original Creditor Name : XXXX XXXX  Date Assigned : XX/XX/XXXX Original Amount Owed : {$9500.00} Amount : {$9300.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification : RENTAL_OR_LEASING Last Payment Date Date of First Delinquency : XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found incorrect reporting of accounts. 
account that was not mine. I've made multiple attempts ( XXXX, XXXX, XXXX ) to reach the creditors in addition to the credit reporting agencies and have not have any successful attempts. 

Please update the payment information to reflect correctly on the following account : XXXX XXXX XXXX Account XXXX Bridgecrest Account XXXX accounts are reporting as XXXX days late for XXXX XXXX 2024 and is incorrect. The payment was made on time, as the account is set up for auto pay. Please update account to reflect as on time. There was an extension granted for the Bridgecrest account for the months of XXXX and XXXX, therefore neither of the accounts were late. 

Please delete the following unauthorized inquiries : XXXX XXXX OF ( 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 XXXXXXXX XXXX ( XXXX )
Product: Debt collection

According to XXXX is Trans World doing a robocall and never leaves a message but calls every 2 days. If I had a debt there should be mail from the USPS and there never has been. I'd like these calls to stop.
Product: Debt collection

I owed a XXXX phone bill which was sent to collections. I had several collection companies calling me and I settled with a company called XXXX XXXX XXXX , XXXX ( XXXX XXXX, XXXX ) on XXXX/XXXX/15 for {$120.00} ( confirm # XXXX ). I keep getting calls from Debt Recovery Solutions and this debt is still showing as owed to Debt Recovery Solutions on XXXX which is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft fruadulent open accounts and inquiry XXXX XXXX XXXX XXXX XXXX XXXX Date open XXXX XXXX, XXXX Amount XXXX Inquiry transunion XXXX XXXX Date XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I assumed I opened successfully an online High Yield Savings account with XXXX XXXX an online division of Key Bank. Then this account was abruptly restricted without explanation. I went into a Key Bank branch in XXXX, WA to seek answers. I was told they were having trouble identifying me. I was asked to provide FULL TAX RETURNS for 2 years, my State issued identification and to see my actual Social Security card, all of which I provided. I visited the bank several times and spoke with a banker and the branch XXXXanager. They seemed to believe I am who I say I am but their fraud department after initially clearing me, turned around and denied the account. Not XXXX person from the Key Bank XXXX department has reached out to me to provide an explanation or insight into why they are having trouble identifying me. The branch XXXX has said they have tried to no avail to get a response from the fraud department as to why they continue to deny my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my request for verification and getting this false latepayment account updated, and in accordance with its standard procedures, Equifax did not evaluate or consider any of my information, claims or evidence and did not make any attempt to substantially or reasonably verify the XXXX  XXXX  billing error on my credit report. it is alleged that Equifax might have forward some notice of the dispute to XXXX  and XXXX  failed to conduct a lawful investigation. I have my evidence so i demand this situation be handled. XXXX have thousands of negative reviews on XXXX, the XXXX, and the CFPB website for problems with their credit reporting of false latepayments. I asked that equifax conduct a complete and thourough investigation into this matter. As i know Equifax disburses consumer reports to third parties under contract for monetary compensation which is one reason they are not conducting a complete investigation.