23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Identity Theft XXXX Date of inquiry : XX/XX/2020 The inquiry was not authorized please removed it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report. 
. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report.
Product: Credit card

I submitted proof of no Bankruptcy under my XXXX XXXX and was denied credit from XXXX because of TRANSunion. Transunion has not completed previously filed CFPB complaint made back in XX/XX/year>. I am requesting that Transunion DELETE bankruptcy and DO NOT UPDATE.
Product: Student loan

Many attempts to contact via phone and chat to no avail. The chat feature is simply never available and the phone lines are always busy. I was able to contact studentaid.gov customer support and they informed me that it is the responsibility of Ed Financial to finish the last steps of my application. I submitted my application XX/XX/ and it is now XX/XX/. It has been two months and I know it can be a downward trend from here since it is very possible that Ed Financial may not even be aware of my application for an unknown reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts I found on my Credit Reports. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because because of their willful non-compliance of the dais FGCRA statute. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$6600.00} DEPTEDXXXX XXXX Balance Owed : {$23000.00} DEPTEDXXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; must be updated to reflect accurate information on my Credit File.
Product: Debt collection

CKS PRIME INVESTMENTS LLC is not licensed for collections in the state of Texas therefore they must cease and desist attempts of collections on my accounts.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and Bankruptcy. I have tried numerous times to have this situation resolved with no resolutions. XX/XX/XXXXXXXX and Bankruptcy XX/XX/XXXX Docket Identifier XXXX.
Product: Debt collection

This company called me threating repeatedly about a debt that does not belong to me. I informed them on that and they still were persistently making false accusations. I noticed they applied an account that is not mine to my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

Omni Military loan reported the same collects twice on my credit. I tried to call them but the call sent me to sunrise bank. I explained to them what happened and they told me they cant do anything about it. I asked to speak with their manager and they told me they cant give me his number only email. I emailed the manager proof and explained to him that it is the same collection and amount on both accounts. I only owe one balance of {$2000.00} not two. With XXXX and XXXX they have a complete account number. With XXXX they have reported it without the XXXX Infront of the account number. The manager told me they will not remove anything. The next morning they called me back to arrange payments. I asked them to give me the number for Omni they told me they cant give me that number. The spoke with Omni Financial themselves and they told me that Omni will not remove anything.
Product: Debt collection

I recently have found out that I am the victim of Identity Theft. There were several accounts opened in my name including this one. I have enclosed a FTC report. Please remove these accounts from my name and report
Product: Credit reporting, credit repair services, or other personal consumer reports

A checking account was opened at JP Morgan Chase in XXXX Florida Ive never lived in Florida. My birthdate, phone number, and email used to open this account is incorrect. Someone stole my identity and opened this account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX and XXXX ) Date Opened : XX/XX/2013 Balance : {$3800.00}
Product: Student loan

I took out loans with Navient to attend college. My grandmother cosigned the loans. It was clearly stated in the promissory note that if one of us passed away and there was an estate, they would take what was due in full. My grandmother passed away and had an estate with enough for the balance. I was told by Navient that they would be taking the balance of the loans from the estate. A family member called Navient and worked out a deal without my permission that they would only take XXXX percent of what was due and leave me with the remaining XXXX percent. I did not authorize this. I do not feel the debt is my responsibility since they were supposed to take the full amount due.
Product: Credit card or prepaid card

I applied for a capital one silver card I was approved for XXXX initially there was a delay in my application process and I was asked to mail a copy of my drivers license and with no avail after capital one identified I was XXXX American they came back and said my credit limit would only be {$500.00} my credit score was XXXX with all major credit bureau with no collections I have at least 6 people that are non XXXX American that have XXXX credit limit with less income and XXXX credit rating this type of bigotry is unacceptable and against the law.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Filed with CFPB To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy.

Despite our previous attempts to resolve this issue directly with Upgrade Loans, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, XXXX has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX & XXXX XXXX XXXX of Birth Mark : XXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for XXXX : XXXX
Product: Debt collection

Someone used my Social security number, my name, home address, to obtain a XXXX XXXX XXXX XXXX and purchased merchandise. The transaction was said to have occurred on XX/XX/XXXX, Plaintiff : [ Name ( First, Middle, Last ), Address, City, State, Zip ) MIDLAND CREDIT MANAGEMENT, INC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX The plaintiff states the following claim against the defendant ( s ) : Plaintiff Demand:1.

Plaintiff demands judgment for Claim for Money {$1400.00} WHEREFORE, the plaintiff demands judgment against the descendant in the amount of {$1400.00}, as well as the costs on disbursements of this action in any other relief this court deems just and equitable.

Plaintiff waives statutory attorney fees.

NOTICE : This communication is from your debt collector. This is an attempt to collect a debt, and any information obtained will he used for that purpose. 
Dated this XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX 
Electronically Signed By : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, CFPB : XXXX  XXXX is refusing to make PROPER CORRECTIONS, AND CFPB HAS TO REGULATE XXXX XXXX XXXX THAT IS FALSELY REPORTING DELINQUENCIES ON XXXX XXXX XXXX ACCOUNT IN ERROR. I DO NOT OWE XXXX XXXX XXXX {$27000.00}, THE PAYMENT CONFIRMED RECEIVED AND POSTED TO XXXX XXXX ACCOUNT, I WENT WITHOUT THE MONEY, AND THE FUNDS WERE AVAILABLE IN THEN-XXXX XXXX XXXX ACCOUNT. 

MOST IMPORTANT, I AM WRITING REQUESTING FRAUD ALERT ON MY CREDIT REPORT AND XXXX   XXXX ACCOUNT, AND TO HAVE UNVALIDATED DEBT ( THAT I DO NOT OWE ) REMOVED FROM 3 CREDIT BUREAUS AND XXXX IF REPORTED ( REMOVAL OF {$270.00} DEBT BALANCE-ally bank ). 

I DO NOT OWE XXXX XXXX XXXX {$270.00}. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the 30th of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX, 2018-Saturday ). 

XXXX XXXX AND XXXX XXXX XXXX is reporting my ACCOUNTS as delinquent when the account is NOT DELINQUENT NOR LATE ( A TOTAL OF 14 PAYMENTS TOTALLING {$11000.00} HAS BEEN PAID TO XXXX XXXX XXXX ON TIME AS SCHEDULED ). THE ADVERSE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY XXXX  CREDIT SCORE. Please have XXXX XXXX XXXX remove ALL DELINQUINCIES FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX ). Please Note : MY TRUE CREDIT SCORE IS XXXX ACCORDING to XXXX, and on XX/XX/XXXX, XXXX, XXXX is reporting MY CREDIT SCORE AT XXXX? PLEASE TAKE CORRECTIVE ACTION. I HAVE BEEN LEGALLY ADVISED NO FURTHER PAYMENTS WILL BE MADE UNTIL THE CORRECTIONS ARE PERMANENT. IF I AM MAKING MY PAYMENTS ON TIME AND GOING WITHOUT THOSE AMOUNTS OF MONEY ( {$11000.00} ), THEN THAT SHOULD BE ACCURATELY REFLECTED ON MY CREDIT REPORT TO ALL 3 CREDIT BUREAUS. MOST IMPOTANT, XXXX XXXX XXXX HAS ALLOWED BANK FRAUD TO TAKE PLACE ( MISAPPROPRIATION OF MY AUTHORIZED FUNDS IN THE AMOUNT OF {$270.00} ) AND ARE TRYING TO EXTORT DUPLICATE PAYMENTS FROM ME. 

Sincerely and Respectfully, XXXX XXXX XXXX   Phone : XXXX Email : XXXX XXXX
Product: Credit card or prepaid card

I opened an Ann Taylor credit card several years ago. I had not used it in a couple of years when I used it in XXXX. Because I had not used it in years, the bank who issued the card, Comenity Bank, did not have my current address. 

They began calling me several times a day in XX/XX/XXXX. I spoke with a man there in XXXX and he explained I recently used the card and did not make my payment. I asked him why I had not received a bill. We realized they did not have my latest address. I updated my address with him and asked him to send me the bill and I would pay it. I also closed the account that day. 

In XX/XX/XXXX I began receiving several phone calls a day from Comenity Bank again. I asked why they had not sent me a bill yet. I did not receive an answer but was told to pay the balance of {$190.00}. 

Since I had the account information in my online bank settings, I paid the balance and thought I was done. Even though I still had not received a bill. I paid this balance on XX/XX/XXXX. 

In late XX/XX/XXXX I started receiving five phone calls a day from Comenity Bank, these calls would interrupt me in work meetings several times a day, I would receive phone calls late into the evening and all throughout the weekends. A message was never left in my voicemail. I did not know what it was about since I had paid the balance off and closed the account. 

I answered the call one day on a Sunday when I had received several calls throughout the weekend. When I answered it, I was told by a recorded voice to call back during business hours Monday through Friday. 

On XX/XX/XXXX, I answered another one of the calls. A woman told me I had a balance due. she asked for my address, which I gave her and she confirmed she had the correct address. I asked why she has not sent me any bills when I have been asking for a bill since XX/XX/XXXX. She said she could not tell me anything further unless I provided my social security number and date of birth. I told her I would not provide my PII on a recorded line and that she called me. She said she could not continue the call unless I gave her my PII. She hung up.
Product: Debt collection

The scam Viking Client Services repeatedly calls my cell phone, my office phone, and even friends of mine - which I can only assume they got all these numbers by hacking my cellphone Contacts list. I double checked my credit reports to find, as expected, nothing mentioning Viking Client Services or collection accounts. It is not only a scam, but also an infuriating one since they are smearing my name to random friends. I've googled them and loads of other people have complained about their scam demanding money. They falsify their identity as a debt collector.
Product: Credit card or prepaid card

On XX/XX/XXXX, I used Discover Card to pay the merchant ( a law firm, XXXX XXXX, XXXX XXXX XXXX ) {$300.00} for legal service, but he didnt show up in the court to represent me ; on XX/XX/XXXX, I called Discover Card and they opened a dispute for the dissatisfaction with credit card purchase and I closed the dispute on XX/XX/XXXX.
However, on XX/XX/XXXX, the merchant discontinued his service to me because he didnt get the money from Discover Card ; and since the merchant didnt get the money from Discover Card and discontinued his service to me, Discover Card should credit back the money to my account, but Discover Card didnt ; obviously, this is a billing error.
Therefore, begun from XX/XX/XXXX, I exercised my billing rights to dispute the billing error, and asked them to correct it. However, while I kept sending them the inquiry to dispute the billing error by discover.com/billingerrornotice, Discover Card kept acting like they never got my inquiry to dispute the billing error and pretended that I just wanted to continue the dissatisfaction with credit card purchase, which has no longer existed and been relevant since the merchant didnt get the money from Discover Card and he didnt need to deliver the service to me ; and refused to do anything about it.
So far, Discover Card did not open the dispute for the billing error as I requested begun from XX/XX/XXXX, did not explain why not either ; did not answer my questions - why the merchant didnt get the money from them, whether they gave the money to the merchant or not, what had gone wrong to cause this, where the money is now, why they couldnt get the money back and credit it to my account, and why I should pay them for the money they lost.
Obviously, Discover Card has a problem ; either lost the money somewhere else, or gave it to the merchant but couldnt prove it ; but either way Discover Card can not make me pay for their problem and have to credit the money back to my account. 
.
Product: Credit reporting or other personal consumer reports

XX/XX/24 got an alert that a new hard pull was found on my XXXX  credit file. Logged into my account and saw Bank of America had issued the hard pull but I dont know what for. I never applied to any cards or for a loan yesterday so there should be no reason for a hard pull to be there. Disputed with XXXX  today
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 GM Financial Balance- {$0.00} I am requesting for this company to update my credit file as PAID and remove this CHARGE-OFF from my credit file as soon as possible. I am a victim of identity theft and I do not owe this company.
Product: Debt collection

The debt buyer Dyck O'neal Inc has engaged in multiple deceptive, unfair, and misleading debt collection practices. Please closely review the violations listed below and supporting documentation I have included : 1. Dyck O'neal Inc purchased this " deficiency debt '' for only {$1.00} and then claimed I owe them {$100000.00}. However this is totally inconsistent with the final statement I received from the original creditor XXXX XXXX XXXX regarding this property which clearly states that the Balance outstanding was {$140000.00} and the Fair Market Value of the property was {$170000.00}, leaving NO deficiency and making this a phantom debt. ( see judgment assignment and XXXX XXXX XXXX Statement ) 2. The original action occurred XX/XX/XXXX, that is over 5 years ago. The statute of limitation in XXXX is only 1 year, making this time-barred. Also I am a XXXX resident and the statute of limitations in XXXX is only 90 days. So this also violates XXXX public policy. 

3. Based on the XXXX XXXX XXXX statement I provided, my drivers license, my credit report, my address has always been in XXXX. But based on the XXXX County Public Records website ( see printout from XXXX/XXXX/XXXX ), Dyck O'neal intentionally and willfully filed this lawsuit with a false XXXX address I have never lived. Potentially disclosing my information to a third party and commencing legal action and obtaining a default judgment without my knowledge. The sewer server service denied me the legal right to defend myself. 

Since I am a XXXX resident with absolutely no connection or contacts to XXXX. It 's difficult, inconvenient, and expensive for me get out-of-state legal assistance regarding this issue so I am desperate for the Consumer Financial Protection Bureau to assist ensure a fair resolution. 

I recently became aware of this after reviewing my credit report which dropped XXXX points. I also applied for a job, and after a background check they sent me a Fair Credit Reporting act notice ( see enclosed letter dated XXXX/XXXX/XXXX ). 

Not only is this embarrassing, but this illegally obtained judgment has devastated my credit score, damaged my reputation, causing me XXXX.
Product: Credit reporting or other personal consumer reports

In accordance of 2010 California Code Civil Code Title 2.96. XXXX  XXXX XXXX section XXXX states : A lessor shall not report any late payment, default, or repossession to a consumer credit reporting agency, as defined in subdivision ( d ) of Section XXXX, or to an investigative consumer reporting agency, as defined in subdivision ( d ) of Section XXXX if the lessor ( a ) advertises " no credit ... '' XXXX states : A lessor shall not engage in any unfair, unlawful, or deceptive conduct or make any untrue or misleading statement in connection with a rental-purchase agreement, including any violation of this title. Acima Digital XXXX XXXX clearly advertises " all without credit '' on their website as stated very big bold letters that states " Get the things you love all without credit '' The statement " all without credit '' verbatim mislead me into believing there will be no credit check and/or inquiry of my consumer reports. Acima has very clearly violated these laws stated and have reported an Acima lease # XXXX as a charge off on my XXXX consumer report, reported payments as late, and harmed my personal and financial livelihood. This action made by Acima is unfair, unlawful, and extremely damaging to my XXXX consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letters disputing inaccurate information being reported by your agency on XX/XX/2021and XX/XX/2021. Both times I tried this matter cleared up but haven't had any success
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XX/XX/XXXX Account Number XXXX XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) Account Number : XXXX XX/XX/XXXX Reason : Unverified account
Product: Debt collection

In XXXX, I ended my contract with XXXX when I moved away from their service area. I paid the termination fee, as needed. I paid this via the website, per usual. I'm not sure how wires got crossed ( or if they did ), but XXXX now claims that I did not pay the termination fees. In XXXX, Diversified Consultants, a debt - buying collection company, bought the alleged debt from XXXX, and began pursuing collection. In XX/XX/XXXX, Diversified Consultants sold my debt to another debt - buying collection company, XXXX XXXX , XXXX . This has caused damage to my reputation via my credit reports. I have disputed this multiple times and it keeps coming back to haunt me, because it has not been removed from my XXXX  nor XXXX  credit reports. I just want this to go away for good.