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

The auto loan was paid off about a month and a half late with XXXX XXXX XXXX XXXX payments due I kept in touch with the company letting them know that I had been out from work with Covid for a month, they told me they understood, but I still would send something in towards my loan so I was checking my credit score on XXXX and saw where they had my account as a write off with me owing {$130.00} that account was paid in full. 


The other account was XXXX that is in collection {$110.00}, but at the top as written off & closed with my XXXX credit report ..XXXX XXXX XXXXit 's more on my report that's written off & closed still on my report.
Product: Credit reporting or other personal consumer reports

on XXXX of this year i received a letter from Lloyd & Mcdaniel who is a debt collector trying to collect on a XXXX  XXXX XXXX account ending in XXXX i immediately sent them a debt validation letter to show proof that the debt is valid. this was sent on XXXX of this year. it is now XX/XX/year> and they have not responded back to such request. therefore it is a violation of the fair debt collections practice act ( FDCPA ) therefore this account should permanently be removed from my credit report. 

i have contacted experian in regars to this matter and i have started multiple disputes with them. the account was previously removed from my credit report, and now its back on the report. 

by law they should also inform me on the re-insertion of a debt tp which they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft. my identity was stolen and my personal information was used without my consent which is illegal. Please block and remove these UNauthorized accounts from my credit report. 

attached is my social security card and my state id. 


please block and remove the following accounts 1 ) XXXX XXXX XXXX  Account Number : XXXX amount {$1800.00} 2 ) XXXX XXXX XXXX account number XXXX amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown item on my credit report. I have yet to receive a response to my request. Section 611 ( a ) plainly states that a failure to investigate this items within 30 days gives a reason to immediately remove these items from my credit report.
Product: Credit reporting or other personal consumer reports

Hi, I have been dispute, an inaccurate information off my credit report. The credit report companys removed information then re-added it. Then they refuse to remove it permanently even after showing proof its inaccurate information
Product: Debt collection

Services were on XX/XX/2019 from an imaging location. The single account had 3 claims, all part of the same service/procedure but what TAB did was broke it out I to 3 of their own accounts and then reported each one individually to my credit. When I brought this up and reviewed the original bill and the letter from TAB it was represented as 1 single  account yet they broke it out, essentially multiplying the impact on my credit, and refused to correct or even explain how this occurred.
Product: Mortgage

This is a tax issue. 

I refinanced my home with Axos Bank in XXXX. They never gave me a XXXX tax document, but I was able to use the refinance paperwork to complete my taxes. Again, I have not received a tax document, now for the tax year XXXX. 

Online where the documents section is located, it says that I will not have a tax document and that only people who pay more than {$10.00} in interest receive one. I have paid much more than that and should receive one. 

I tried their virtual help and was told that the documents were mailed XX/XX/XXXX ( over 3 weeks ago ) and that if I receive e-statements that the document would be in my document section. I am unable to sign up for e-statements, because there is no sign up option online.

My paper statements are going to the wrong address, and I have tried to change the mailing address and still am not receiving mail at the correct address. Perhaps a tax document went there as well? Maybe that happened last year too? 

I called the XXXX number and spoke with a call center rep. She was unable to help me. She said she is unable to email me the tax doc ; she's unable to upload it into my Axos statement section, and she needs {$10.00} to mail me a tax doc. 

I refused to pay {$10.00} for a document that should be legally mine ( and for free ). At that point she was unable to help after I refused to pay money. I asked for a manager and was told that one is unavailable. She said she'd put in a request with her manager. 

I asked how long I should wait to follow up because I didn't feel confident that the issue would be resolved, especially since no resolution had been agreed upon once I denied payment. She didn't understand my question and said she would have a manager call me back. 

I chose to report this to the CFPB, because I have had ongoing issues since I started the refinance process with this bank, and they seem to continue. I can't get my statements online. They keep mailing to the wrong address. And now two years in a row I haven't received a tax document. 

How do I file my taxes?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX  XXXX XXXX XXXX creditor : XXXX XXXX ) XXXX Balance : {$5000.00} XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX
Product: Debt collection

This company is using robo-call and ghosted number calling our business trying to collect debts from consumers. Their info is below WE ELIMINATE BAD DEBT! 

ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX About ONLINE Utility Providers Property Managers Mortgage Lenders XXXX Providers Other Industries Contact What 's New? 


The XXXX XXXX XXXX Announces Integration with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


View All What 's New Items Contact Information PHONE : SALES : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Client Inquiries : ( XXXX ) XXXX CREDIT REPORTING XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Mortgage Reporting : ( XXXX ) XXXX MAIN NUMBER : ( XXXX ) XXXX ( XXXX ) XXXX ADDRESS : ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Customer Testimonials " XXXX decreased our bad-debt write-offs!! '' - XXXX XXXX XXXX XXXX XXXX XXXX is committed to providing timely answers to questions we receive from our clients and consumers. To help us serve you more efficiently, please click the appropriate link below : Interested in Services?
I am a Consumer I am a Client Current News The ONLINE Rental Exchange is at the XXXX XXXX Users Connect Conference This Week! 
The ONLINE Utility Exchange is at the NEPPA Annual Conference This Week! 
Visit the ONLINE Rental Exchange at the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Show! 
Visit the ONLINE Rental at the XXXX XXXX XXXX XXXX XXXX! 
The ONLINE Rental Exchange is Exhibiting this Week at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Show! 
Visit the ONLINE Rental Exchange during the XXXX XXXX XXXX Annual Conference and Exhibition! 


View All News Releases Events Error has occured while trying to process XXXX : XXXX? XXXX Please contact web-master View All Events Site Map XXXX Employment | Consumers | Become an Integration Partner! XXXX Privacy Policy Copyright XXXX - XXXX ONLINE Information Services, XXXX All rights reserved. 

XXXX XXXX XXXX XXXX XXXX CDIA visa_image master Card Image
Product: Debt collection

I have been receiving multiple calls on a daily basis for the past year or more and I do not have any idea of who they are or what company they would even be collecting a debt for. 
Once the number with the company name calls, I am then immediately robo dialed XXXX to XXXX times from another number, again on a daily basis. 

XXXX XXXX has a Scam XXXX XXXX and the names and numbers and dates and times called appear in the app. 

This company does not appear on any credit report
Product: Debt collection

While checking my XXXX credit report. I discovered that a collection has been placed on my file for {$1900.00}. I personally contacted collection agency IC SYSTEM, XXXX XXXX, XXXX XXXX, MN XXXX, disputed the validity of the debt and requested under Fair Debt Collection Act ( 15 USC 1692g ), and requested that the Company provide me with any signed contract as well as billing invoices of the said unpaid bill within allowed time under the law. Upon belief and information, this account does not belong to me and/or may be as direct result of ID THEFT.It`s paramount that an investigation be conducted to determine the validity of the account. 
IC SYSTEM deliberately ignored my requests and has continued to proceed to collect on an unlawful debt without just cause, and as a direct result has caused me serious economic hardship and inability to secure employment or housing and/or obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid accounts and I have differed loans that were settled. I also have medical bills that were paid that are still showing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report after paying off two accounts that stated I owed monies on them and saw that the two accounts that were paid in full was still on my credit report. The accounts are XXXX XXXX XXXX XXXX XXXX in the amount of {$1100.00} and XXXX XXXX XXXX XXXX in the amount of {$80.00}, these accounts were paid in full and are reported still on XXXX, XXXX and Transunion. I would like these accounts to be removed as they are impacting my credit report negatively as they have been paid.
Product: Credit card or prepaid card

Since XX/XX/2020 PayPal prepaid MasterCard has erroneously blocked my access to my funds. I have been traveling abroad since XXXX of 2020, exclusively using my PayPal Prepaid MasterCard without issues. 

I always notify PayPal Prepaid MasterCard prior to, when/where I will be traveling out of the U.S. to, so that they can anticipate seeing transactions from said country of travel. I have already authenticated my account years ago, however, PayPal Prepaid MasterCard has blocked my access now that I've arrived into a different country. They are now requiring that I authenticate my account again. I've already submitted my approved forms of ID and documentation according to their list of approved documents. I was able to produce a letter from a state agency as requested in their documents list and they still refuse to relinquish the block off of my account for my usage as I'm still abroad, but now in a financial emergency, and I have been in this debacle with PayPal Prepaid MasterCard for over a week. 

They have held onto my money relentlessly and refuse me access to my money, even after I have complied fully to their prerequisites, assurance of releasing the blockage off of my account. 

I'm reaching out, as I need an intervention from another entity to get the resolve of returning my money to me as soon as possible, and allow me to successfully close my account of 3 years with PayPal prepaid Mastercard agency for good. Thank you.
Product: Money transfer, virtual currency, or money service

Once again PayPal continues to not credit funds to my accounts in a timely manner. They are creating " float '' for themselves. 
In this instance initiated transfer of funds with PayPal from my XXXX XXXX checking account on XX/XX/2020 to my PayPal account. The amount was debited from my checking account on XX/XX/2020. As of today XX/XX/2020 the funds have still not been credited to my PayPal account. PayPal has had the funds for 4 days without crediting my account. 
This has been done before involving much larger amounts of my money but this time was the " straw ''. PayPal is utilizing this artificial delay to create " float '' which given the scale of their operations must be a substantial theft from the public.
Product: Checking or savings account

I visited Alliant Bank 's savings account marketing page on their public website to learn about what rate they are presently offering. It shows only one savings account offered as of XX/XX/21, that pays an APY of 0.55 %. 

However, when verifying this against my own savings account at XXXX, I found that the rate was 0.0 %. I called Alliant to confirm this and spoke with a woman who identified herself as XXXX XXXX who said she works in the " member services '' department. She stated that my savings account has no marketing or other identifying name to differentiate it, that it is an account " that comes along with credit union membership, '' and that it pays no interest, despite the website marketing information to the contrary. 

After waiting on hold for 10 minutes while Ms. XXXX looked into this further, she returned and told me my current account type is " Primary Savings '' account, that I can convert it to a High-rate savings, account and insisted that the instructions were already on the company website as she claimed at the start of the call. However, she was unable to point me to where such instructions existed.
Product: Vehicle loan or lease

In the beginning of XXXX of XXXX my car was stolen, I reported it to Steward financial services since they service my loan, during this call they forwarded my title to the police department. The lady said thanks for letting us know and the call was ended. I then get numerous calls in the beginning of XXXX stating that my payment due at the end of XXXX is late and I told them again my car was stolen so I cant pay at the moment. XXXX then said well your payment is past due and we need the money when can you pay. This went on for about 5 minutes back and forth until I hung up. I get a email in XXXX from XXXX, she stated I needed to call. I was hesitant because they are very rude there. I called and she apologized how my loan was handled and someone should have offered a deferment. But now Im 2 months behind. On XX/XX/XXXX XXXX sent me the deferral paperwork and said until the car is found we can defer for 3 months. On XX/XX/XXXX my car was recovered and placed on police hold for investigation, on XXXX my car was deemed a total loss by my insurance, on the same day I get an email saying my deferment was denied because the car was repairable and I need to make a payment immediately. I emailed the lady back my documents of a total loss and there was no response. I have gap coverage therefor paperwork was exchange o how much I owe to the insurance, steward financial, and XXXX ( gap ). The documents I received from XXXX and XXXX stated that the balance was paid in full but in XXXX XXXX began calling me saying I owe XXXX. When I ask why XXXX or XXXX keeps telling me that's what I need to pay or they will put it on my credit report and my credit will be messed up. They will not go over math or any paper work with me, he always states he don't care what I have, he has the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 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 XXXX not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Employer : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/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 Equifax Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX I am a victim of Identity theft, my FTC Report Number : XXXX XXXX XXXX has reported XXXX Hard inquiries XXXX XXXX has reported XXXX Hard inquiries XXXX experian has reported XXXX Hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX BANK XXXX XXXX : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : SERVICED BY XXXX XXXX ) XXXX XXXX XXXX {$39000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

XX/XX/2022, Capital one received validation request letters by me the consumer under the authority of the Truth In Lending Act and the FDCPA disputing the debt asking for proof of the alleged debt Capital One claims is owed. Capital one failed to provide any evidence of a debt within the 30 days that TILA and FDCPA allows. I am giving Capital one another opportunity to Prove their claim. In the event that this debt is not validated by Capital One as required by the FDCPA they have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. Copies of agreements are not evidence of a debt. Copies of statements are not an authenticated record of accounting or evidence of any debt. I am Asking for real proof such as : 1. the original promissory note, front and back, associated with the alleged Loan.

2. any along, front and back, affixed to the Borrower 's promissory note for endorsements 3. all bookkeeping journal entries associated with the Loan.

4. the deed of trust associated with the Loan. 
XXXX the insurance policy on Borrower 's promissory note associated with the Loan.

6. the Call Reports for the period covering the Loan.

7. the deposit slip for the deposit of the Borrower 's promissory note associated with the Loan.

8. the order authorizing the withdrawal of funds from Borrower 's promissory note deposit account.

9. the account number from which the money came to fund the check given to the Borrower.

10. verification that Borrower 's promissory note was a free gift to the Lender from the Borrower.

11. the name and address of the current holder of the Borrower 's promissory note.

12. the name and address of the Lender 's CPA and Auditor for the period covering the Loan execution.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX  under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.