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

This issue involves collections that were sold off to a lender for further collections. My issue is not denying the collection, rather after having paid off the collection to the lender that bought it and having them be able to delete their additional collection, the original companies collection / charge off on my report still remains. I've contacted XXXX about the issue with them reporting on my credit report, however it is not in their hands to be able to delete the report as it's impossible on their end as they no longer have my account. They requested I speak directly to the bureaus about this fact and that if I disputed it further, they would oblige to delete. As there is no contact information on the bureau 's site about a number to contact XXXX XXXX, I don't know how the bureau could prove the information on the account to be true or any of the information on the collection account. The secondary lender that bought this account as a collection has already taken off of my report their own collection account as a pay to delete contract was paid to them. I've disputed this many times and am unable and unsuccessful and accomplishing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, Experian is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you.
Product: Vehicle loan or lease

I set up a XXXX $ a week payment arrangement .. I was able to pay XXXX XX/XX/2021 and should have been good for months from this point on The collection department has called 5 to 10 times a day since stating I'm late I called to find out what happened to my payment arrangement and they told me it was void cuz I paid to much and that's not how it works .. I was repeatedly interrupted when asking I asked several times for a supervisor and was passed off to another non supervisor who would not give there info so I can file a complaint. I called back asking for a corporate number I was given 2 numbers that directly brought me back to collections.. I've asked them for covid help and got nothing I've asked for supervisors got another collection agent. They have lied to many times setting up promises of hope then without notice canceled my payment plan
Product: Student loan

Payment amount went from {$22.00} to {$350.00} with no warning from XXXX, this was charged to my account through automatic debit and it is something I can not afford this month. XXXX has repeatedly not made themselves available to mitigate this issue. They do not answer their customer service hotline and I am unable to speak to a representative to resolve this.
Product: Debt collection

Discover Bank was notified my account was " hacked '' or " hijacked '' after it was paid in full. I sent them a " fraud affidavit '' showing that my email was hacked and my discover card which I thought I had paid off was also hacked and used by unknown criminals to ring up charges. I informed them of these facts, yet they have filed a bogus lawsuit against me in XXXX XXXX County, Texas for a debt I did not incur. They refuse to release the case and go after the proper parties. My wife, who herself had a discover account, even made a payment on this hijacked account believing it to be hers, but it turns out it was my account and it was from charges incurred from identity theft. Discover Bank has not acted in good faith, they are abusive, corrupt and have hired an unethical outside law firm that files dozens and dozens of boilerplate lawsuits hoping to collect default judgments. I have answered the case and provided the court evidence through my answer of the fraud, yet they continue abusive collection tactics for an account in which I did not incur any debt. Discover card has sued the wrong person, myself who also happens to be a XXXX XXXX  veteran and victim of identity theft. Discover Bank is corrupt and should be investigated for their illegal actions.
Product: Debt collection

On XX/XX/2018, left a message at place of employment ( secondary contact ) with no call to primary contact number, to contact Bank of America. Auto payment was due XX/XX/2018,  without penalty by XX/XX/XXXX. This occurred in a prior incident when representative was rude to COWORKER stating the call was monitored and an attempt to collect a debt, then stated to me I dont know why youre upset youre the one not paying your bills. I spent the afternoon at local Bank of America branch updating my contact info in their computer and my payment history obtained and clarified never 30 days late, noted on my acct to NOT contact work number. Yet this has occurred again, no mail notice, no contact to primary number provided. NO help from BOA by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my enrollment in Autopay on XXXX in XX/XX/2021 the website was showing " AutoPay Active '' with a green checkmark. In XXXX my vehicle was repossessed due to AutoPay not charging my account as intended. Upon my inquiry with XXXX, I was told that the AutoPay won't work unless the next bill is paid manually. Obviously, I didn't expect that and could not assume the cascade of non-payments will take place when I have a green checkmark next to AutoPay on my account. 

I have paid late fees multiple times due to AutoPay not withdrawing the payment on the scheduled date before. Twenty-five dollar fees havent caused me to to try do get to the bottom of the issue. I paid the fee, paid the balance, and enrolled in AutoPay again. But this time not only I was charged a repossession and towing fees but my credit report was marked. All due to XXXX XXXX  AutoPay being designed to fail unless the customer pays manually. I am willing to take this to an attorney if not addressed properly.
Product: Debt collection

This company ( CBE Group ) calls at least 3 times a day. Morning, Noon and Night. When ever I pick up the phone they are never there. They have been calling for the past month. At one time I did finally speak with someone but they asked for someone who I did not know and then they requested my social security number. I refused to give it to them, and they have not answered the phone since - in spite continuing to call 3 times a day.
Product: Debt collection

I got a random derogatory mark on my credit report for {$1200.00} and am being harassaed every day, being called every day, 5 times a day from a company I have no knowledge of AT ALL. 

I am XXXX years old and I have never missed a payment and had a 700+ score before this random derogatory mark on my credit. I am willing to do a " Pay to Delete '' if I absolutely have to even tho I have no idea where this charge is coming from. I NEED my credit back to XXXX to buy a house for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I requested a quote, online, on the company 's ( XXXX XXXX ) website to research what my auto insurance MIGHT cost ( Quote Number : XXXX ). I haven't even bought my car yet, so I was definitely not REQUESTING insurance and I didn't sign up for insurance - I was simply trying to gauge what auto insurance might cost me where I live, based on the model of used vehicle I'm seeking. 

XXXX sent me an email on XX/XX/2020, informing me that, " We reviewed your credit report and obtained a credit-based insurance score based on information contained in that report. ... '' They obtained my data from Trans Union. 

This is absolutely illegitimate and illegal and was absolutely NOT authorized by me! And, Trans Union ( of whom I am a client! ) was not authorized to share my credit data/report at all - I did not sign anything with XXXX or Trans Union permitting this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.

Enclosed, please find a copy of my identification and a recent utility bill for verification purposes. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureaus are reporting misleading information on JPMCB CARD ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % true or the information must be deleted. XXXX  this reporting by making a revision of the information provided. Change and perform any corrections or eliminate this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2021, XX/XX/2021 XX/XX/2021. It has now been 90 days since I sent my inquiry, but I have yet to receive a response. I'm looking to purchase a home and the inaccurate records on my profile are stopping me from achieving my dream home.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE.

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT.

THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON-MAILABLE ADDRESSESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON EMPLOYER IDENTIFIERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON NAMES REPORTED IDENTIFIERS : XXXX XXXX XXXX XXXX XXXX PER THE FCRA , AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX ( Nevada resident ) purchased XXXX XXXX XXXX ( XXXX XXXX ) from seller XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Bill of Sale dated XX/XX/XXXX. 
Sellers copy of CA vehicle registration. 
XXXX XXXX purchased through Mountain America Credit Union car loan. 
Mountain America Credit Union paid off the seller 's loan on the vehicle with XXXX XXXX XXXX on behalf of the buyer. 
Authorization for Payoff from XXXX XXXX XXXX dated XX/XX/XXXX Notarized Limited Power of Attorney for loan payoff dated XX/XX/XXXX Seller ( XXXX XXXX. XXXX  ) was to receive properly signed off CA Title for the vehicle from the previous lienholder XXXX XXXX XXXX XXXX ) and send it to Buyer ( XXXX XXXX ) to provide to the new lienholder XXXX Mountain America Credit Union ). 
Multiple attempts were made both by Mountain America Credit Union and the buyer ( XXXX XXXX ) to contact the seller ( XXXX XXXX. XXXX ) as the title was never provided to the buyer. 
Seller has been completely uncooperative/nonresponsive. 
Vehicle registered in Nevada since XX/XX/XXXX ( and presently ) under XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX off Auto Loan on the vehicle with Mountain America Credit Union XXXX 
Mountain America Credit Union can not provide XXXX XXXX with the Nevada title to the vehicle as they never received the original CA title from the seller ( XXXX XXXX. XXXX ). 
Notarized XXXX XXXX note from Mountain America Credit Union regarding XXXX XXXX XXXX ( XXXX XXXX ) describing XXXX XXXX as sole owner of the vehicle dated XX/XX/XXXX. 
XXXX XXXX is unable to receive proper Nevada title as the original title is from California and is advised by Nevada DMV to contact California DMV.

XXXX XXXX goes to XXXX, CA California DMV office, completes various paperwork requesting a duplicate title, and pays for title fees. 
CA DMV receipt for {$65.00} dated XX/XX/XXXX. 
As of XX/XX/XXXX, no title or response has been provided from California DMV.
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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Acct and personal loan is showing as late, when I have always paid on time with all of my acct. And it was never late. I have tried in good faith to work with XXXX XXXX XXXX credit union and also the credit bureaus to correct this, as this false information is hurting my ability to some day seek a mortage
Product: Credit reporting, credit repair services, or other personal consumer reports

several inquires on report that are unrecognized, plus they are none account holding inquires thats not from an employee orinsurance. 

XXXX XXXX XXXX XX/XX/XXXX unrecognized inquiry XXXX XXXX select XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXXunrecognized plus none account holding inquiry XXXX XXXX XX/XX/XXXX unrecognized plus none account holding inquiry XXXX XX/XX/XXXX unrecognized plus none account holding inquiry XXXX card XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XXXX XX/XX/XXXX unrecognized plus none account holding XXXX XX/XX/XXXX unrecognized plus none account holding ive filed several disputes asking for proof of inquiries but only got a response back that they were confirmed
Product: Consumer Loan

I bought furniture from the Conn 's in my area in XX/XX/XXXX. Everything with the furniture was perfect the problem is with the company 's customer service skills and lack of empathy on their cardholders. I had a baby on XX/XX/XXXX and that caused me to be out of work for a couple months. I had half my income coming in and my husband was n't working at the time. I had bills to pay and Conn 's was XXXX of them. I called all my other creditors and they were able to help me in regards to my situation. Conn 's on the other hand, was very rude, and did n't want to help in any way shape or form. I tried my best to pay the bill but unfortunately fell behind on payments for about four months. They would call my cell phone number so many times a day I had to block all the phone numbers they called me from. This went on for months, even after I would answer and ask them to stop calling and to see if we could work out a solution because it did n't want to stop paying them. I did n't want to ruin my credit or get my furniture taken away. Since the collections agents did n't want to help I just decided not to answer anymore and just call customer service. I called numerous times, spoke to managers but they were as rude as the customer services agents. The loan was 12 months no interest, which expired in XX/XX/XXXX. I was n't aware that if I had a missed payment I would get all the interest charged on the account. Well back to my four months of not being able to make payments, I got hit with so much interest that i ended up paying more than the furniture was worth when I got my income taxes back. I called the company to see if they were able to help me with some of those charges because i was ready to pay them in full if they were willing to work with me on that. After struggling with an insensitive customer service rep I asked to speak to a supervisor. The supervisor said there was nothing she could do and that I had to pay the full balance. After arguing with her I decided to be the bigger person and just agree with her and pay the balance in full. I asked her to send me a letter of confirmation saying the balance was paid in full and to close my account. She sent me the letter and closed my account. I 've been receiving letters from the company still, after I asked my account to be closed, that I have some credit available to make purchases. It does n't make sense to me if I close an account i should n't have an open line of credit. I 've tried to call the company to stop sending me those things. They do n't answer their phones. there are no messages saying there are closed, it just rings for awhile then the call drops. This company is very unprofessional and rude. I do n't want anyone else to go through what I went through.
Product: Credit reporting or other personal consumer reports

Credit Inquiries by these companies that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I filed a claim with Navy Federal Credit Union and my local police department. XX/XX/ Saturday morning I noticed fraudulent charges on my debit card. I was notified today that my claim was denied. The bank has no actual reason as to why it was denied. The fraudulent charges include someone paying their car insurance and car loan payment and XXXX charges. I would think that the banks investigator would be able to get info that those accounts dont belong to me. I have submitted a full police report to them as well but they are not resolving the matter or being helpful.
Product: Payday loan, title loan, personal loan, or advance loan

I received a loan from XXXX XXXX for {$1500.00}. I did not realize that I was taken advantage of. I feel like this is excessive and predatory. What can I do? I am a senior citizen and these excessive payments are crippling me. 

Balance : XXXX ( XXXX ) payments of {$240.00} for a total of {$4200.00} Paid to Date | Up to Date and In Good Standing XXXX ( XXXX ) payments of {$240.00} ( {$3700.00} Balance Remaining ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance of the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from and XXXX XXXX helping me due XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX FINAL RULE 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed to be blocked and deleted company information. Transunion please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX