23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX saying that I owed $ XXXX dollars on a bank account I closed in XXXX. They threatened to sue me and to destroy my credit if I did not pay them, even though the statue of limitations had passed by over 7 years. They lied and said that this was " not on ( my ) credit report because they haven't sued yet, and the statue of limitations is not for FDIC backed bank account is unlimited '', all of which is total lies. I begrudgingly and out of fear, payed about {$3800.00} to " settle the debt ''. I contacted a lawyer and was advised that their tactics and what they told me is illegal and a complete lie and to refund my money back. I called XXXX and they refunded my money, but not before giving me the same set of lies to coerce me into paying a debt I no longer owed. Finally, on XX/XX/XXXX, I called and they reversed my payment withoute having to contact the bank, but it seemed they feared that I was going to mess up the operation so they gave my money back. Overall, though I was refunded, XXXX 's use of illegal tactics to coerce people to comply with their bogus " debts '' is unethical and against FTC regulations. They can not illegally threaten to sue you when they know it is not possible, they can not threaten your credit rating as a means of intimidation, and they can not misrepresent the law to coerce you to pay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer report on the date of that inaccurate negative account. This has not only damaged my right to extend credit but it has made me loose hope and trust within the banking system. I have been denied for credit cards and 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 your company ASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according too 15 USC 1681 ( a ) ( 4 ).

I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. 
Wanted to say keep sending good vibes bro ano 1 am giving Your company the opportunity to make this matter right by heightsestatescare.org way of the following : Respect by XXXX XXXX REMOVE ACCOUNTS LATE PAYMENTS Help me REMOVE INQUIRIES They also said it was accurate it wasnt cause I paid the balance and it still affected my credit.
Product: Debt collection

XX/XX/XXXX, I logged into my bank account through XXXX XXXX and saw several negative amounts from each of my accounts. I had no idea someone was trying to take me to court and when I called the bank they told me Portfolio Recovery Associates LLC had acquired a writ of garnishment for XXXX Washington. I had not lived in XXXX since XX/XX/XXXX. The amount being garnished was for a credit card for XXXX XXXX where I open the account in XXXX Minnesota. Divorce happened and we had agreed that he would get the cards but for whatever reason this card was never paid and instead of looking for me they selected XXXX Washington where I had n't lived at that point for over 10 years even though public records shows where I was living. 

I then called the person responsible for the collection at XXXX and spoke to an individual there who told me I had a high balance of XXXX, of which a total of XXXX was removed from my accounts via Levy. The person then told me that I only owed XXXX after the levied amount was applied. 

I told the person that I was made aware that Portfolio Recovery Associates stated I owed in excess of {$1300.00} and wanted to know why they were trying to misrepresent the amount I truly owed on my credit report and that trying to collect a balance on top of the amount I owe is considered unfair practices. 
The voice on the phone rebuttalled saying that was never the case and that it was incorrect. 

I disputed the incorrect amount through XXXX XXXX who then looked into the matter, Portfolio Recovery Associates then submitted a copy of my XXXX XXXX  statement showing a balance of XXXX with a letter dated XX/XX/XXXX stating I only owed XXXX. 

Fast forward to present day, XX/XX/XXXX, and I get a letter in the mail with a notice of wage withholding sent to my employer to collect a judgement amount of XXXX ... add that to the XXXX and we are back to the magical number of XXXX yet again even after I disputed this original number and they even sent me a letter stating that it was the incorrect amount and that I really just owed the XXXX. Now I 'm furious and humiliated because my employer has been given a garnishment for a credit card that is n't even the right amount. 

Even worse is that even though they mailed me a letter in XXXX XXXX and knew what my last known address was, they proceeded to file in the XXXX County Court without notifying me, again, and claiming that I owe more then the letter dated on XX/XX/XXXX!!
Product: Debt collection

XXXX XXXX transferred me to his manager pertaining to my account with XXXX XXXX XXXX. I received several phone calls from GE Money bank in XX/XX/XXXX requesting payment on the account. Per the XXXX he stated to send him an email at XXXXXXXXXXXX detailing the information that is on my credit report. He stated that XXXX XXXX failed to notify GE Money Bank that the credit card was paid XX/XX/XXXX. I had a coworker listening to the conversation through each of the conversations with XXXX XXXX, XXXX XXXX as well as the managers. I was told that XXXX XXXX was not available to speak with but I could send her an email at XXXXXXXXXXXX. I have called this company more than 12 times. Per the manager, XXXX XXXX did not document that I called in only documented the account. XXXX is the ID number I was given. I repeatedly told the manager that he was on speaker. When I advised him that both companies were attempting to collect on a debt that was paid XX/XX/XXXX he disconnected the call.
Product: Credit card or prepaid card

I purchased two flights to travel to XXXX in XX/XX/2020. XXXX placed restrictions because of COVID and I could not legally enter the country. XXXX XXXX refused to offer a refund but they offered to change my trip but it had to be before the end of XX/XX/2020and there were no other flights the same price so I had to pay an additional {$460.00} to change the flight to XXXX. In XXXX XXXX still had strict restrictions on travel, and I legally could not go on my trip. When I called the airline and the third party I bought the tickets  from ( XXXX ) they refused to give me a refund and said I had to pay even MORE money to change my flight, which again had to be within a year. I was being scammed out of money, the airline could not legally offer me the services I paid for and instead made me pay more  money to change the flight to another uncertain time. I then disputed these unlawful charges with my credit card company, which is US Bank and they are refusing to help me.
Product: Credit card

I had sought Goldman Sach 's Apple Credit Card member service to dispute a transaction in the amount of {$50.00} on XX/XX/year>. I did not receive purchased digital goods from the merchant and requested advertisded card member service which Apple and Goldman Sach 's did not actually provide. No supporting documents or chargeback case was properly or timely reviewed.
Product: Debt collection

Received phone call on XX/XX/XXXX from XXXX at my job from an American Express debt collector. I set up payment plan with debt collector that same day and told the debt collector to not call my job again as my job does not accept phone calls from debt collectors. Received another call at my job on XX/XX/XXXX from the same debt collector from XXXX. Other phone number used : XXXX. I am still receiving calls to my job even after setting up payment plan.
Product: Credit reporting or other personal consumer reports

account in question here is " XXXX XXXX XXXX '' I need this account validated pursuant to XXXX - debt validation, who is the flesh and blood human being who validated the debt to begin with? 
further more just with missed payments alone I have clear grounds for a {$24000.00} lawsuit in district court, which I will be pursuing if this fraudulent debt isn't dented form the transunion and XXXX  credit file. the last 24 months of missed payments being reported on these credit files is the proof. creditors if and when they report credit history inaccurately, the reason being is defamation and financial injury, the precedent//case law is US court of appeals No. XXXX XXXX XXXX XXXX XXXX  and the fines incurred are the extent of damages incurred by the wronged party as deemed by the courts. which would be roughly as stated above {$24000.00} per credit file which brings me to a total of {$48000.00} for XXXX and transunion. furthermore the 15 USC 1682e ( b ) - compliance procedures, you guys apparently do what ever you want to do, and dont follow federal law which leads me to 15 U.S. Code 1681n - Civil liability for willful noncompliance. which carries civil liability in excess of {$2000.00} for the violations spoken about hereunder.

lastly pursuant to 15 USC 1692c ( c ) - communication with a debt collector. I never want to hear from your corporation again! unless you can validate the debt I am not speaking about statements either! flesh and blood human being their name and their address!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I am requesting that this credit reporting agency validate the information and provide me with a detail process of which was used to draw that conclusion. I have read that you the agency as 15 days to furnish this report and if not reported within 30 days this inaccurate information be removed from my credit profile.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I did not receive a XXXX ( cancellation of debt ) from this company after requesting it for the following charged off account : Synchrony Car Care account ending in 4943. When I called to pay, they stated the debt could not be paid to them due to the XXXX. Since I did not receive the XXXX, I have been unable to claim it on my taxes. They are still reporting negatively to my credit report, which they can not do. Please cease the reporting and delete this account.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I originally filed a dispute on XX/XX/2021 I asked to have the following information deleted off my file. The items I need deleted are listed in the report. 
they have not been able to identify the items, they ignored my request to provide me with the documnts that they have on file that verifies the accounts I am disputing. This is my 2nd time trying to correct the situation. This is really holding me back from being able to get a new family car XXXX XXXX XXXX XXXX XXXX XXXX. It is really important to me and my family that I am able to get this corrected as soon as possible
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.

List of Unauthorized Inquiries : XXXX  - XXXX 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: Mortgage

On the XX/XX/XXXX, @ XXXX l was inquiring about the Refinancing of my mortgage with a lender from Loan Depot and their Loan Rep. XXXX. 
Explaining to XXXX the purpose of refinancing and taking out addictional money for windows to be replaced in our home. 
On their recorded line as he stated to me after gathering particular name and adress, SS # and such further mentioning credit score and the extras, he was encouraging me to lock in my rate ASAP. 
I told him, l drive over the road and needed to get back in touch with him later that evening. 
Later that evening l recontacted LD and the same Rep. After 45 min. discussing the the refi he assured me we needed to get a rate lock at 3.25 annual percentage rate. And if I would accept {$14.00} charge to my bank account, being as a token of a good-faith gesture and we would discuss the matter in the coming days but the {$14.00} down was to get the rate lock at 3.25 %, which was talked into 3.75 % for my benefit of being able to save {$2000.00} on closing the loan, which l agreed it is more than what l 'm current rate is 3.65 % I followed up with the rest of the information insurance declaration page, mortgage statement, last two years XXXX, paycheck stub within the next three to four days. After completing that on the XX/XX/XXXX, so within a week from when I had originally talked with him. It seemingly in the last 2 days on the XX/XX/XXXX the annual percentage rate kept getting higher to what he's saying now will be like 4.65 %. When l initially filed for an FHA Loan, which he had said l could get more money out and a 85 % of mortgage appraisal. And now after having charged the remainder of the Appraisal Fee. 
Now calling on the XX/XX/XXXX, and stating do to policy changes with the FHA Agreement, he was unaware of those changes l would have to resort to a Conventional Loan and the previous interest rates would no longer be good and would move up to 4.65 % APR. 
This all seem confusing & frustating me, but it seems kind of sketchy and more it seems like it's kind of a bait and hook kind of an operation. I previously had applied through the Depot back in the XX/XX/XXXX but I don't know if there's retaliation or just predatory lending practices or maybe things are the way that they said they were. And that he was bad, like I'm bad, for having given you that information a week earlier. 
What else am I to do but check through the expert, or question these kind of practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Flagship Acceptance made a hard inquiry on my report. That I never authorized and I do not have an account with this company. I asked them to investigate the matter and they stated they needed further information and proof that I notified consumer financial protection bureau. However, they did say they could not find my account and needed further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts that I am requesting assistance on are being reported inaccurately on my credit reports with all three credit bureaus ( XXXX, Equifax and XXXX XXXX ). I have spoken to them numerous times and submitted hand written letters for these matters to be resolved and they are affecting my credit tremendously. I have locked my credit files and requested a security freeze on my credit reports until further notice. 

In XX/XX/XXXX, I noticed that the accounts I am writing to you about have inaccurate late payments on them and I have never been late on any of my accounts. There is even a personal statement that is inaccurate and now I am writing to the Consumer Financial Protection Bureau to help me in correcting this information as soon as possible. 

Equifax is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. These accounts have had perfect payments every month every year for the history of them. 

XXXX XXXX is reporting that : XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX XXXX has 2 late payments from XX/XX/XXXX and XX/XX/XXXX have late payments which are additionally inaccurate. 

XXXX is reporting that : XXXX XXXX XXXX has 1 late payment in XX/XX/XXXX and it has NEVER had a late payment. They are also reporting that XXXX  XXXX XXXX XXXX N has 6 late payments which are inaccurate as well.
Product: Debt collection

In order to have the debt/collection removed from my credit report, the debt was paid XXXX/XXXX/16. I was informed verbally and in writing that the debt would be removed and as of today it is still present.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address on my credit report that is not  one  of my addresses. It is a Nevada address. I have never lived in Nevada. However I did have credit cards that have been compromised that the address was in Nevada.
Product: Credit reporting or other personal consumer reports

EXPERIAN is violating my federally protected consumer rights. EXPERIAN is reporting 1 inaccurate late payment for the XXXX XXXXXXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and is supposed to be reported as PAID AS AGREED. 
I have previously made a claim revoking any permission granted for them to publicly furnish this private information. They continue to publicize this information which violates 12 CFR 1016.7. EXPERIAN never provided me an opt out form, and they continue to furnish this information even after I have opted out by revoking my consent for them to post this information through previous disputes. Furnishing this information is now also a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates. Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ). EXPERIAN is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a ) ( 5 ), they are not allowed to post this information. Finally, in reference to my past claims on this matter, EXPERIAN did not conduct an Investigative Consumer Report in accordance with 15 USC 1681a ( e ). It is clear that EXPERIAN has violated many of my federally prot
ected rights by furnishing this information on my consumer report. According to 15 U.S.C 1681n ( a ) ( 1 ), EXPERIAN is liable to compensate me {$1000.00} per violation, totalling several thousand dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
EXPERIAN must immediately CHANGE THE STATUS OF THIS ACCOUNT TO PAID AS AGREED
Product: Debt collection

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. The following items are on my credit report : XXXX. VANCE AND HUFFMAN LLC XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So in XX/XX/XXXX I requested a payoff amount for my vehicle and when It was given to me, I paid it. I was told by XXXX XXXX that its been paid in full and that they will send the title via mail. A couple months later I havent received the title so I called and come to find out the address they sent it to was not the current one so we then proceeded to change it to the current one. In XX/XX/XXXX I still have not received the title and on top of that received a delinquent notice on my credit report. I did some research and found that the delinquency was from XXXX XXXX. When I called in I was told that they gave me the wrong pay off amount and that there was a {$17.00} balance that they have been trying to collect. I didnt receive any mail from them because again they had an old address even after I tried changing it the last time I spoke with them. So the supervisor said if I paid the {$17.00} and some late fees that they will fix the delinquency on my credit because it was their fault they gave me the wrong payoff amount and that they didnt change my address when I last spoke with them. A few weeks after that phone call I received a signed document that allowed me to request a duplicate title from the DMV. Fast forward to XXXX I checked my credit report and I see that the delinquent reports from XXXX XXXX is still there. I called in on XX/XX/XXXX to see what was going on and they told me they dont know and that because the account was closed they dont have any notes on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, I AM INQUIRING ON THE PREVIOUS INVESTIGATIONS THAT THE CREDIT BUREAUS HAVE PERFORMED. I FEEL LIKE NOTHING HAS BEEN DONE IN THIS CASE .... 

THERE ARE CERTAIN NEGATIVE ACCOUNTS ON MY CREDIT REPORT WHICH HAVE NOT BEEN RESOLVED. THE XXXX XXXX XXXX ACCOUNT IS REPORTING FALSE INFORMATION. I WAS NEVER LATE ON ANY OF MY MONTHLY PAYMENT, AS WELL AS I HAVE BEEN A VERY LOYAL CLIENT OF THEIRS FOR YEARSXXXX XXXX IS AN ACCOUNT THAT I DO NOT RECOGNIZE, AND I AM NOT LIABLE FOR, THEREFORE XXXX  WAS ABLE TO REMOVE THE NEGATIVE INFORMATION PLEASE GIVE ME A REASON WHY XXXX, XXXX  OR TRANSUNION HAVEN'T BEEN ABLE TO RECTIFY THE INACCURATE, OUTDATED, UNRELIABLE INFORMATION OFF OF MY CREDIT REPORTS. I FEEL AS IF MY CONCERNS ARE BEING DODGED BY THEM AND THIS IS AFFECTING ME IN AN ENORMOUS WAY.