23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX decided it would be wise to only keep specific loans in good standing while attempting to default and charge off other loans. In the charge off process I paid them {$2000.00} with disbursements from XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX stated that they had a crash in their server and XXXX took back their loans. Keep in mind, XXXX XXXX XXXX XXXX notified me of any discrepancy. Two loans are in good standing : XXXX : XX/XX/XXXX and XXXX : XX/XX/XXXX. WHY ARE THE LOANS FOR XXXX : XX/XX/XXXX and XXXX : XX/XX/XXXX in charge off status? The only excuse I received was XXXX decided only a fee should have in school deferment, bankruptcy status, forbearance, etc and not all of my loans. This is criminal and discrimination.
Product: Credit card

On XX/XX/ American Express discriminated against me by denying my application that I provided in good faith. I, the consumer and natural person, was denied credit by American Express when I applied for a XXXX XXXX. Adverse action against the consumer is AGAINST THE LAW according to the Equal Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning numerous incorrect personal information and unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Credit card or prepaid card

I applied for a pre-approved credit card on credit karma for a XXXX  XXXX credit card and was denied after credit karma said i was preapproved for the card which has affected my credit score and unnecessary inquiries on my credit report. XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian have violated 15 USC 1681 as to reporting 100 percent accuracy to my credit profile. I have have since noticed when trying to purchase a home that ( XXXX XXXX XXXX ) Is listed several times on my credit report. Meaning it's being reported under this name and then under the debt collector that they illegally sold my information to. I by the way have no written permission to sell anyone my personal information. I believe this reporting is a double jeopardy. Although the balances might not reflect under each name I still have the derogatory mark and the negative remarks for both accounts effecting my credit score. But above all not XXXX of the XXXX reports for either company reflects the correct or accurate information. It is very deceptive when one shows a whole different amount being {$300.00} and the debt collector shows {$430.00} XXXX company stating the date opened as being XX/XX/XXXX and the other as XX/XX/XXXX. This is impossible to have XXXX different amounts and open dates for the same debt. So with that being said why would anyone reviewing my credit report see this as the same company. They would not and it was made to look this way to cheat the system. This has been very damaging to my report for a long time. I have been being negatively impacted by this and violated in so many different way. The credit bureaus have allowed such to take place. I have brought this to their attention and disputes several times and ways only to receive a validation of the debt back. This is a very slimy way of reporting and does not by any means comply with the frca laws to protect consumers reports. I want both accounts removed from my report or I will take legal action. The FDCPA laws are not being followed and I want it to end now.. I want my creditworthiness back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with credit beareu serveral times
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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 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 TransUnion 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: Payday loan, title loan, personal loan, or advance loan

I am a reference contact for a customer of Western Shamrock in XXXX, MO. On Tuesday XX/XX/year> @ XXXX I was contacted by XXXX and was asked if I could give the customer a message : to return a phone call to the company. I stated ok. The phone call lasted 24 seconds. On Wednesday XX/XX/year> @ XXXX I was contacted by XXXX again and she asked if I was able to get the message to the customer yet? When I replied yes, she asked what did he say? I stated that I had given the message and what the customer did with that message is up to him. This call lasted 30 seconds. On Thursday XX/XX/year> @ XXXX I received yet another phone call from XXXX again asking if I was able to give the customer a message to call. She stated she hasn't heard from the customer. This phone call lasted 29 seconds. On Friday XX/XX/year> @ XXXX I received yet another phone call from XXXX . She stated that the customer has not shown up when scheduled and has not heard from the customer and that the customer is past due. I stated that this is the fourth day in a row that you have called me and spoke with me and from my knowledge of working in the business for almost 10 years once you make contact or leave a message you are unable to contact for again for 7 days, she instructed me that this is not their company policy and yes, she can contact me daily. I told her I am just a reference contact I am not the customer and you can not harass me like this and I will be contacting the CFPB and she told me okay. I hung up the phone. On Friday XX/XX/year> @ XXXX I called XXXX back and asked for the corporate phone number which I was given ( XXXX ) XXXX. I attempted to contact the corporate office and could not get anyone to answer the phone.
Product: Debt collection

Hello, A judgement was awarded to Stillman Law Offices for an old debt from XXXX XXXX. This Judgement was awarded in early XXXX. Since then I hadn't received any information concerning this debt, their desire to collect on it or notification of any action. In XXXX of XXXX, I received a letter from my employer notifying me of a wage garnishment from Stillman Law. There was no information about a file number, account number or any type of reference. 

I emailed the person listed on the garnishment paperwork and got no response. I looked up the original judgment case on file and emailed everyone associated with the case - no response. I called the number ( XXXX ) XXXX on XX/XX/XXXX at XXXX. Since I didn't have an account number / file number, I was transferred around to people who were " not an attorney '' finally landing with someone. I asked that person about this debt and requested information on the firm 's correspondence. She said that they hadn't sent me a letter since XX/XX/XXXX but that they weren't going to give me any other information " because they weren't legally required to '' - which was the response from her supervisor. Let me be clear, this woman was trying to be helpful, but it seems that company policy was restricting her from doing so. 

Finally, I asked for a " Debt Validation Letter '' in the hopes that this would provide me with some sort of documentation - and because I knew I was entitled to one under the FDCPA. She agreed to have it sent out but would not share any more information. As of the date of this complaint, I have yet to get a copy of that letter. 

I was under the impression that this debt was charged off and since I never heard anything after the judgement court date, I didn't have reason to think differently. So far this firm has engaged in dodgy practices that make me believe that they are hiding something. Unfortunately, I don't have the resources to hire a lawyer and feel I shouldn't be victimized solely on that basis. 

Note : There will be no attachments to this complaint because I have no documentation or communication from Stillman Law Offices to submit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX & XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX Balance : {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The company hasn't provided any info on these disputes. Accounts are not mines they are fraud
Product: Debt collection

Hi my name is XXXX XXXX XXXX You Guys dont have more options for different complaints I have four collections with the California Business Bureau so I called then to see of they cant remove 2 of them from my credit because their due to covid the government gave money to the employers to compensate sick employees of covid people were dying in the thousands I was sick i was not pretending I had that virus so I did not paid it went on collection and its costing me money and it mess up my credit more so Im paying off my collections so I called they said they can only remove it after its paid I said thanks and hanged up and said I will pay it. Then one minute later theres an inquiry on my credit report that they try to get a loan and bank account under my name under my social security with out my consent how is it that the CALIFORNIA BUSINESS BUREAU can do that with out my consent how is it that they can try to use my name with out my consent they are violating my identity my privacy covid murder millions the employers kept the money and alot of corruption why is California trying to open a loan with my credit the inquiry I want it remove from my credit report because I did not consent for that I take ownership for all other inquiries its true but this one the state is violating my rights and I wont stand for that the usa owes XXXX XXXX dollars I owe just a small fraction and its not fair a Bureau does that to its citizens im paying back my debt and Covid happen to the whole world not just me its so unfair that a institute a Bureau does fraud or Identity theft I did not consent for them to use my name
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and as a result there were multiple accounts opened with XXXX XXXX. The accounts were closed with balances. I called XXXX XXXX to inform them and they have not removed them from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$960.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance XXXX {$1000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$750.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall delete any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I went to send {$2000.00} dollars to Sigue Corporation branch located in XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXThe Money Transfer is from me to XXXX XXXX XXXX XXXX with the transaction order XXXX and the date was on XX/XX/2023 and they still have not deliver the money transfer.Please let me know what can i do to get my money back or deliver to person in XXXX XXXX XXXX Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  account number XXXX has violated my rights. 

15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy. 

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the consumers ( myself ) written instructions or consent. 

The above account is paid in full and confirmed by lender to be CLOSED and in good standings. 

XXXX, EQUIFAX and XXXX have furnished inaccurate information on my credit file. I have disputed this account several times with all parties. Each time it came back as UPDATED. I contacted the lender after each update and verified that the information is inaccurate. I have the right to an account credit file/report. Please remove and delete this inaccurate information and account from my credit file.
Product: Credit card

Macy 's always charges {$2.00} ( as " minimum interest '' ) each month even AFTER the remaining balance has been completely paid off. Is this legal?
Product: Debt collection

I want Portfolio Recovery Associates to take this case seriously. I am willing to take this issu to the next step if I am not heared. This company is reaging an account, this is a serious violation to the California Credit Reporting Act, and I am demanding the following item to be removed from my credit report : Portfolio Recovery Associates, account # XXXX, original balance {$2300.00}. 

CFPB : Please send the attached documents to this company. 

Thank you so much.
Product: Debt collection

I was informed about this when I pulled my credit report. I contacted the company and was insured that if I would do the pay off it would be completely removed from my credit. So I paid the amount they asked for and it 's still on my report. It 's been over a year and when I call they hang up on me. I ca n't get no one to talk to me about this.. I 'm a single mom who 's trying to buy a home and I hurt myself trying to pay the complete amount to insure it would be removed from my credit report. Please someone help me with this.
Product: Mortgage

We closed on the house that we sold on XX/XX/2019. Title company recorded new owners of property with XXXX XXXX County Courthouse after wiring full payoff amount to PHH with Wire Confirmation on XX/XX/2019. Subsequently, we received in the mail a letter dated XX/XX/2019 from the law firm, XXXX XXXX XXXX that our loan ( that had been paid in full ) was being placed with this firm for foreclosure. The amount demanded was for Principal & Interest, Escrows and Other fees, Attorney Fees and Cost which was {$370.00} more than the amount that had been paid to PHH on XX/XX/2019. The reason for this difference was Attorney Fees & Costs which were being charged after the closing. I contacted the law firm to inform them that we no longer owned the home as of XX/XX/2019. We were told by XXXX XXXX XXXX XXXX XXXX to email them the FINAL ALTA and Wire Confirmation for their records. We emailed these to them on XX/XX/2019. We also called the Attorney at XXXX XXXX ( The Closing Company ) to inform them of the letter and the call that we had received from PHH. We were told by XXXX XXXX  Closing Attorney that he would handle this. On the afternoon of XX/XX/2019 we received a phone call from PHH informing us that we were being foreclosed on unless we made a payment. I told them that the property was sold on XX/XX/2019 and that we no longer owned the property, and they had received the payoff, in full, on XX/XX/XXXX. They said they would research it and call us back. We didn't hear back from them, so called them with the attorney from the title company on the other line on XX/XX/XXXX. After being passed through a few people and put on hold a number of times, PHH acknowledged receipt of the payoff amount they had sent that the title company had sent in the amount of {$290000.00} XXXX the exact amount they had sent, in writing, was the pay off through XX/XX/2019 ). They said they could see it in their system, and they could also see that it had been received by them on XX/XX/2019, as the wire confirmation stated. However, they said they had to escalate it, because they claimed we might owe additional money, and they would get back to us. We have not heard back from them. We have called repeatedly only to be told that it was escalated and they would call us, that the file is still active. In the meantime, they are reporting me late to the credit bureau for XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Equifax is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors ( listed in my letter ) consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements? Violations committed by Equifax. 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit card

DEAR CB/EXPRESS ; I was shocked when I reviewed my credit report and found late payment on the dates below : [ XX/XX/XXXX ; XX/XX/XXXX ; XXXX TO XX/XX/XXXX ] I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

Paid off my emergency room bill with XXXX XXXX XXXX Hospital in XX/XX/2020 was told it was taken care of and no balance due and that I paid on time. Come to XX/XX/2020, I check my credit and there is a collection agency RMP SERVICES LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX trying to collect on the same account. Disputed the account with XXXX  but they did not remove it even though I have proof of payment. Tried to talk to XXXX XXXX Hospital today and spoke with XXXX who was very rude and argumentive and tried to ask for a supervisor to try to get some better assistance. She kept repeating I had a zero balance and there was nothing they could do, which was the whole point of the phone call. I told her that they sold it but I had already paid them in full and had proof and they needed to fix it as it was affecting my credit. They said call the collections but the collections will not help either because its the Hospitals responsibility to tell the collections it was paid and was not supposed to be sent in as a collections, I still have not heard back from the Hospital and am trying to dispute again but decided this is my best route. If this doesn't work I will seek an attorney because I am not paying twice.
Product: Credit reporting

eviction was file against me in XX/XX/2012 but never was execute but is showing in my credit reportthe I did have eviction at that time at this moment this wrong report is cause to me and my kids to find a apartment to move, I just was reject my application from XXXX located at XXXX XXXX XXXX XXXX fl. XXXX. I need to have remove this issue from my credit report ... 
thank youXXXX XXXX XXXX