23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have yet to receive my title from Global Lending. This process has been going on from XX/XX/2021 and until now, XX/XX/2021. I the consumer called numerous times and was told by untrained representatives that my title was being sent from a vault in NY, then was told that my title would take 8 weeks to be sent to me, then that my title couldn't be found. I heard every excuse there was.

I have been working w/ Global Lending to receive what I paid for.. the title to my car.

To add, A lender withholding your title is against the law in Michigan and is subject to be fined. I want this title and at minimum this creditor and their inputs payment history etc to be removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/2018, I noticed that I had a credit balance of {$.00} on my Bank of America Visa account while using the BOA mobile app on my XXXX. This credit card account as well as another BOA credit card are linked to my checking and savings at BOA. Using the app, I transferred the {$.00} credit balance to my checking account. In the past, I have done this type of transaction in the reverse, i.e. I would pay a credit card balance in full by transferring monies from my checking account to the cc account using this mobile app. Yet, on this day, I was hit with a {$10.00} cash advance fee for transferring the {$.00}. With interest added, it has now reached {$14.00} and despite my dispute letter to BOA asking them NOT to report this to the consumer reporting agencies, BOA has reported this negative information resulting in a lowering of my credit score. If I had no known that I would be charged {$10.00} to obtain {$.00}, I would not have done it. No reasonable person would pay {$10.00} to get {$.00} back! OnXX/XX/2018, I wrote BOA a letter disputing the charge and interest, but they have not issued any letter or email resolving the dispute. Since BOA is the creator of the mobile banking app used by millions of customers, the failure of the app to warn me that I would incur a {$10.00} fee should be held against them.
Product: Debt collection

in XXXX I made a payment plan with these people for a loan I had defaulted on. We agreed XXXX XXXX  a month. Then I became unemployed in XXXX and told them I need the to stop taking money out and they did take it anyways in XXXX XXXX and XXXX I sent numerous email as telling them I am unemployed and can not pay this and they didnt care. They finally replied to emails from the last two months in XX/XX/XXXX saying oh miscommunication which is ridiculous they broke the law by doing this. I want this entire amount removed because they violated my rights under the fair debt collection practices act and the electronic funds transfer act.
Product: Debt collection

Company name : XXXX XXXX XXXX I have disputed this company countless of times they will not provide me information on the original creditor information this collection agency has called multiple times attempting to collect a debt I dont know anbything about. According to 15 usc 1692 it is illegal to harass and not provide the correct debt verification. Debt collectors can not communicate with out my consent and this was placed on my credit report without communicating to me the information or the cause of the debt.
Product: Credit reporting or other personal consumer reports

I have been a loyal customer since XXXX with XXXX  I have taken out three personal loans with XXXX I paid one off completely and have two remaining. In XX/XX/XXXX, I contacted XXXX XXXXXXXX XXXX to help me stay current and not fall behind on my loan payments. XXXX contacted XXXX on XX/XX/XXXX with a proposal and first payment. The terms of the proposal were to not contact the credit agencies during the first 30 days as they establish my account, to waive late fees and other terms. The proposal stated that if they do not hear from XXXX, XXXX assumed the terms were agreeable. XXXX did not hear form XXXX in said time, nor at this time declining the proposal. XXXX has cashed all the payments given to them by XXXX and never sent a decline notice. XXXX has not put delinquency on my credit with all three credit bureaus and it has taken my credit score from XXXX to under XXXX in one day. On the response from the company the lied and perjured themselves in the paperwork.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : ( XXXX XXXX ), Ive made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that experian, XXXX, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, transition, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving experian the opportunity to make this matter right by way of the following REMOVE LATE PAYMENTS : XXXX XXXX XXXX Account number XXXX, REMOVE INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My dad opened a home equity loan in XXXX to remodel a room. He paid it off that same year but left the loan open just in case. In XXXX, XXXX he asked me to close it for him. He was very sick and at that time, I had POA. I went to the local branch with all my legal papers to close. The customer service agent helped me close the loan. Dad died XX/XX/XXXX. 2 days later I get a letter concerning the loan which is obviously still open. I return to the same agent with death certificate and she sends it to the legal department. This continues every month. Each time I go back to the bank and make phone calls. We are selling his house, closing XXXX. This will hold up the sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about the 10th time Ive tried to get my credit report reporting correct and nothing seems to be done. I understand the account can not be removed, although I have PAID THE COLLLECTION OFF IN FULL. however, the account status is still being reporting incorrectly, the account status with transunion had the account as being derogatory. Let me state the correction, The current account status is not derogatory, I have paid the account in full, so it should indicate CLOSED/PAID. Secondly, the payment chart for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, shill show as " C '', for collection. This account was paid off XXXX XXXX, and became no longer in collection when I made the final payment. This holds true for XXXX. XXXX seems to be the only reporting agency that is reporting correctly. The account in question is XXXX XXXX, for my XXXX XXXX Account ending in XXXX. PEASE CORRECT MY CURRENT ACCOUNT STATUS TO PAID/CLOSE AND UPDATE MY PAYMENT HISTORY FROM XX/XX/XXXX TO NOW, AS CLOSED,. According to section 609 of the fair credit reporting act provided protection of consumers against false and erronous reporting. II was advised my another ageny that I can hire a legal team to get this correct. I am trying my best to get this done without a legal team, so please update my current account status and payment history
Product: Vehicle loan or lease

This company unlawfully picked up my vehicle when my account was current and never credited my account back for the extra payment and any fees related to the repo. Then today. Throughout the loan, they harassed and emailed every single day 3rd party disclosed violated the FDCPA I need some assistance here and they recently repo the car again today and I need retrieve this vehicle back
Product: Credit reporting or other personal consumer reports

I HAVE NEVER APPLIED FOR CREDIT WITH XXXX  XXXX ON XXXX. 
I HAVE NEVER APPLIED FOR PERSONAL CREDIT WITH XXXX  XXXX ON XXXX. 
BOTH COMPANIES HAVE BEEN NOTIFIED. 
THESE UNAUTHORIZED TRANSACTIONS FOR CREDIT ARE NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

I was in an accident XX/XX/2012. I was driving my girlfriends car because she had had a couple drinks and with our children in the car we thought the responsible thing to do was for me to drive us home. On the way we were cut off by another driver and when I tried to brake we slid into his rear end causing damage to his driver rear tail light. I was insured at the time but my insurance company refused to cover me. My girlfriends insurance had lapsed, but even if it hadnt it would not of covered me either. So of course XXXX, the insurance company representing the guy who cut me off, got an inflated estimate of almost {$8000.00} ( for a tail light ). I requested an estimate by someone of my choosing and was refused. I refused to pay, they attempted to sue. I was prepared to go into court and plead my case, but they approached me last minute and offered to let me make payments and I agreed to pay {$100.00} a month which I have done ever since. They have contacted me by phone and left voicemails saying they wanted to review my account. I have called on several occasions and always get their after hours voicemail and never get a response. Yesterday I recieved another voicemail saying that because I refused to call back they have subpoenaed my bank records and decided that my payment should now be {$250.00} mo. I have XXXX kids and my girlfriend living on my income. I just borrowed a large amount of money from my mother to fix up my house and sell it. Now they want to come and take it for a debt I feel I should n't be responsible for to begin with. They say if I dont pay what they dictate they will have my drivers license suspended. Then not only will they not get paid my family will starve. I am in construction and can not take the bus to work. I work in various different places and some dont even have roads to them much less bus routes.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report recently. 
I have made previous attempts to fix these issues directly with them. They are violating my rights, and I'm entitled to {$1000.00} for every violation listed. They either pay me or delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Roundpoint Mortgage is showing negative payments and actually reported negative on XX/XX/XXXX, I filed Ch XXXX Bankruptcy in XX/XX/XXXX. This is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this same charge off auto account with both bureaus ( XXXX & Equifax ) for the past year. None of the information is the same across the board. They tell me each time they've verified this account all year when none of the information matches. From my understanding, charge off accounts are not supposed to show a past due balance. Equifax shows {$3500.00} past due while XXXX shows {$10000.00}. Just a month ago, XXXX   showed {$10000.00}, so charges are being added and I have NEVER made a payment on this account after it was closed. Both bureaus are showing a different Date of Last Activity date as well, Equifax shows XX/XX/2019, how was this last active that date when the account wasn't last active until beginning of XXXX and I still had the vehicle? XXXX is showing Date Last Active XX/XX/2019. The balance is also inconsistent, Equifax is showing {$10000.00} while XXXX is showing {$10000.00}. Equifax doesn't even have the type of account listed its ridiculous. My point is, if these accounts are coming back verified at the SAME time from the SAME creditor SOMEONE IS WRONG and someone didnt take the actual time to do it correctly. So for their apparent neglect in ensuring ACCURATE, CONSISTENT, and UP-TO-DATE info on my reports, I want them deleted from my credit reports. This is ridiculous and I shouldn't have to keep telling them the same thing for almost a year. XXXX alsways tells me the account is updated as verified and Equifax never sends me a response except for a darn credit report and its getting really frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX ; Inquiry : XXXX XXXX Inquiry Date XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires that I did not consent. Improper use of my credit. Fraudulent accounts or charges appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXX : {$34000.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumer with the necessary proof of investigation.
Product: Credit card

XXXX of my XXXX XXXX, XXXX technician contractors opened and used numerous accounts without my authorization. I notified TD Bank. I was told to provide information that i don '' t have and I was also told because it is over XXXX  days that I am responsible. I need your help. i requested them for the original contract with my signature, the complete information of the original creditor, the payments history and itemizes bills, and proof of ownership. Proof that it was permanently deleted out of all credit bureaus
Product: Credit card or prepaid card

A charge for the amount of {$690.00} appeared on my credit card statement on XX/XX/XXXX from XXXX XXXX. I have purchased a ticket from XXXX XXXX that day but the charge should have been {$340.00}. I called XXXX XXXX multiple times and I spoke with agents at the airport and XXXX XXXX insisted that they charged the right amount of {$340.00}. I filed a dispute with citibank ( the card issuer ) and provided all documentation. The bank inquired with XXXX XXXX and the airlines provided documentation showing the fee is {$340.00}. The bank is refusing the credit my account for the difference. They are asking that I resend the document that I already provided and they acknowledged that they received them. If somebody from citibank simply reads the documentation I provided and the documentation that was provided by XXXX XXXX they will see that the amount should be {$340.00} and not {$690.00}. CitiBank has all the documents that I attached to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX, XXXX XXXX XXXX CB/VICSCRT Funding Account # XXXX, # XXXX, # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.
Product: Credit reporting or other personal consumer reports

I found inaccurate information in my EXPERIAN credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C.

Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have repeatedly stated that this is NOT my debt yet I have not been provided any information as to why they think it is mine. This is in connection with a debt for a " XXXX XXXX XXXX ''. I have never gone to an XXXX since living in XXXX. This is NOT my debt. I am asking for the last time that I be provided information / signature, SOMETHING that makes them think this is mine. I am prepared to file this with an attorney and sue for damages as well. I need to hear a resolution back by XXXX XXXX, 2016.
Product: Debt collection

In my capacity as CEO of XXXX XXXX , XXXX. I hired XXXX, XXXX, & XXXX to hemp with payroll and account services for XXXX XXXX XXXX XXXX. 

Unable to get monthly invoices, confirmation of fees, etc. said firm delivered a large bill for a years worth of services. 

XXXX XXXX XXXX XXXX XXXX challenged fees as excessive and an annual bill as deceptive. A dispute over charges and and fees began. 

Said Accounting firm hired debt collection law firm Overton , Russell , Doerr and Donovan , LLP to collect the debt from XXXX XXXX XXXX XXXX. Instead of just filing against the business, the law firm started collection efforts against me as an XXXX of the company ; serving me at home, sending bills and correspondence to my home and business. 

ORDD Account Number : XXXX XXXX No : XXXX I called the law firm to tell them that we are a corporation and I am not personally liable for the corporate debt. 

XXXX XXXX XXXX XXXX filed for Bankruptcy in XX/XX/2020. 

XXXX, XXXX and XXXX, XXXX was listed on XXXX Farms, bankrupcy forms and both firms are aware of XXXX 's bankruptcy, yet they continue to harass me personally for the debt. I can find no instance where this is permissible. They know I am not personally liable. They know the company is in bankruptcy, but they are unmoved by their legal and ethical responsibilities. 

I am asking that they stop trying to collect from me personally and that they reverse any damage they have done to my credit report by removing as invalid any submissions to credit reporting agencies and provide a list of any and all contacts they have made in an attempt to fraudulently collect this debt.
Product: Debt collection

This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by XXXX immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.
Product: Credit reporting or other personal consumer reports

I noticed this morning that some incorrect accounts have appeared on my credit report for reasons I dont understand. I check my report often, but this time unexpected discrepancies caught my eye. I attempted to refresh my browser in case it was a glitch, but the false accounts remained. Therefore, Im requesting a detailed review of my submitted documents so I wont have to worry about this in the future.
Product: Debt collection

I have no knowledge of this debt and would like it to be removed as it 's reporting to the credit bureaus and negatively affecting me. 

.