23daVinci/CFPB_Complaints huggingface dataset:
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. The 3 credit bureaus 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 that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

I bought new XXXX XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX GA USA. On JXX/XX/XXXX. Finally we agreed all the price I went to finance room and he try to charge 5.89 % APR and that is the best interest rate to my credit ( its XXXX credit score ) can not lower it. But later he said le can lower it to 3.89APR if I purchase interior protection and Lo Jack and charged {$1900.00} for both. And then he offer me additional maintenance plan of 4 year 50K miles for {$4900.00} then he can lower the APR to 1.89APR. And I accept that because it was almost XXXX XXXX  and I can not spent another hours for dealing with that. 

But the problem was happened after that. 
When I signed paper I trusted him but it was totally over charged. 
I called same dealer today and spoke one of the sales person because it was too high for does extra charges. And his name was " T .... '', I asked him, I plan to buy XXXX XXXX and what is the additional charge for extended maintenance plan, and he said I dont know and I have to check. So after he checked he call me back the extended maintenance plan for 4 year 50K is {$2400.00} and 5 year 75K is {$3300.00}. I got evidence he said that. So I text financed person regarding that and he refused to fix this issue And never explain why it was charged double. 

After this issue, I am worry about all other charges, look like all other charges, Lo Jack, Interior Protection, Gap Insurance look like over charged too. 

Totallay charged additional {$7700.00} for additional service purchase
Product: Credit card or prepaid card

In XX/XX/2021, I received a promotional offer from Upgrade stating that if I applied for their Upgrade Card and meet certain criteria ( use the card 4 times in 2 months ) and I would receive a {$400.00} bonus. I applied for the card and met their criteria but they have not given me the bonus as advertised. I've called and written several times. When I first called they told me to wait until after the 2nd billing cycle which should have been XX/XX/XXXX. The next time I called I was told my account would be credited after XX/XX/XXXX. When I email customer service again I was told they can only respond to me by telephone.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX and National Credit Systems ( NCS ) due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Both entities have failed to comply with federal laws by reporting inaccurate information, failing to investigate disputes, and not responding to debt validation requests within the required timeframe.

Details of the Complaint 1. Failure to Investigate Credit Dispute ( FCRA 611 ( a ) ) On XX/XX/year>, I formally disputed the validity of an account reported by National Credit Systems on my XXXX credit report. 

XXXX and NCS failed to provide verification or remove the disputed account within the 30-day timeframe mandated under FCRA 611 ( a ). 

2. Inaccurate Reporting of Debt ( FCRA 623 ( a ) ( 3 ) ) NCS failed to notify XXXX that the account is disputed, violating FCRA 623 ( a ) ( 3 ). 

Despite the dispute, XXXX continued reporting the account without proper verification. 

XXXX. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) My request for debt validation was sent to National Credit Systems ( XXXX XXXX XXXX ) and XXXX ( Tracking # XXXX ) on XX/XX/year>. 

NCS did not respond within the 30-day required timeframe, violating FDCPA 809 ( b ).

4. Pattern of Non-Compliance by XXXX The CFPBs previous complaint against XXXX highlights a pattern of failing to correct inaccuracies and investigate disputes properly. 

My case mirrors the past CFPB complaint findings, reinforcing that XXXX continues to ignore dispute resolution responsibilities. 

XXXX 's systemic issues with dispute handling and data accuracy warrant further investigation and criminal liabilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a person attempting to collect a debt. After asking the person a few questions about the debt, I realized that I am a victim of identity theft. That call prompted me to check my credit report where I confirmed that some criminal had used my personal information to fraudulently apply for and obtain credit that I never received any benefit from. The accounts in question included credit cards from 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, and even an auto loan with XXXX XXXX. I couldn't believe that someone was literally driving around in a car that was financed using my personal information. I have called all of the banks involved and this has proven to be the most difficult thing I have ever had to deal with in my entire life. I can't seem to get any of the banks involved to help me. I feel helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims I had a New Balance of {$170.00} with a Please Pay By date of XX/XX/2017 and another new balance on XX/XX/2017 statement showing a Past Due Amount of {$280.00} XXXX XXXX also claimed I had a new charge from XXXX XXXX XXXX XXXX for {$100.00}. As I have mentioned to both XXXX XXXX and Radius Global Solutions the debt collection company they assigned to collect this debt that none of these transactions were mine and I had no idea who they belong to. 

Out of stress and frustration I offered Radius Global Solutions LLC a one time offer to settle the account for {$100.00} just to get rid of the derogatory account, they countered with {$220.00} I declined because I was not going to pay this company more money for an account with transactions that were not even mine, period! 

But now I'm fed up and have had enough I want the entire account removed from my credit report in its entirety. 

Dependent upon the response, I will detail any potential issues with both XXXX XXXX and Radius Global Solutions LLC via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Student loan

Have called customer service multiple times. 

Payments not showing up on Aidvantage website and not credited to my loan balance. Still accruing interest and fees. 

XXXX payments XX/XX/XXXX - {$3000.00} XX/XX/XXXX - {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; US DEPT OF EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023.
Product: Debt collection

Collection Agency letter from XXXX XXXX   sent to my XXXX XXXX but name incorrect. That agency is wanting money for a XXXX USA phone bill. We have never had XXXX  account therefore do not owe anything. The problem is when checking credit agency bureau, a SOFT INQUIRY into my credit shows up from XXXX  XX/XX/XXXX and another inquiry from XXXX XXXX on XX/XX/XXXX. We are concerned about damage to our credit history/score from unknown person using our address. The scammers name is listed and similar to my own, however the XXXX XXXX has been in use by me for 20 years and the Soft Inquiries appear on our XXXX credit reporting agency report. There was also a phone call to my wife 's cell phone number XX/XX/XXXX wanting payment.
Product: Credit card or prepaid card

Entered an agreement that required set amount of payments, XXXX a month for three months. I rounded it off to XXXX, but now Im being harassed for a higher payment. They have abandoned original agreement as if it never existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX sent a letter to TransUnion disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating they verified the item with the US bankruptcy courts ; however on XX/XX/21 I sent a letter to the US bankruptcy courts requesting if they can confirm or deny that their office reported a bankruptcy to the credit bureaus, they responded XX/XX/21 Please be advised the court has no interaction with any credit bureaus I also went to XXXX XXXX to dispute the item in question and on XX/XX/21 XXXX XXXX could not verify the item so they removed the bankruptcy from their database. 

I have sent proof to TransUnion showing that the US bankruptcy courts did not interact with the credit bureaus and that XXXX XXXX deleted the bankruptcy from their database, they were informed that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete the item in which is imploding on my ability to purchase a home and causing me to pay thousands of dollars in interest each year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Demand for the Return of Credit Cards Under the Indenture Trustee Act Dear American Express Customer Service XXXX XXXX XXXXpe this message reaches you well. I, XXXX XXXX, am writing to address a matter of utmost importance concerning my credit cards issued by American Express. 
Background : I recently extended multiple credit applications to American Express and, as a result, am currently without my cards. I hereby demand the immediate return of all my cards under the provisions of the Indenture Trustee Act. 
Rules and Regulations Violated : * Timely Return of Cards : As per the Indenture Trustee Act, there is an obligation to promptly return any cards or documents to the debtor. 
* XXXX XXXX : The Act emphasizes clear communication between the indenture trustee and the debtor, ensuring transparency in all dealings related to credit applications and card issuance. 
* XXXX of XXXX 's Rights : The Act upholds the rights of debtors, and the failure to return my cards promptly infringes upon those rights. 
Demand : I demand the immediate return of all credit cards issued to me by American Express to rectify the apparent violation of the Indenture Trustee Act. Failure to comply with this demand will prompt further action on my part to protect my rights as a debtor. 
I trust that American Express will address this matter promptly and in accordance with the applicable laws. 
I WOULD LIKE ALL CARDS BACK ON AND OPEN ENDED Thank you for your immediate attention to this matter. 
Best Regards, XXXX XXXX
Product: Mortgage

This is a formal complaint that I would like to request against XXXX Mortgage XXXX XXXX # XXXX Per our last communication on XX/XX/XXXX. I spoke to XXXX Mortgage XXXX to confirm that the additional paperwork at their request for my loan modification was received via Fax ( see attached ). I spoke to them regarding the current status of my loan modification. I was told that the paperwork was received and notified that the documents were still being reviewed for our loan Modification. 
Per the last email on the XXXX from Special Servicing Specialist it stated " If you are still in need of assistance, we are happy to help, just give us a call at XXXX or XXXX for more details or you can send in the mortgage assistance application to reapply. There is a foreclosure sale date of XX/XX/XXXX so we need a full package as soon as possible ''. 
Unequivocally at no time during our last phone call ( XX/XX/XXXX at XXXXXXXX XXXX  ) nor leading up to XX/XX/XXXX, myself, nor any member of my household was notified via phone, in person or registered mail that the house would be still placed on auction on XX/XX/XXXX. It was on XX/XX/XXXX, that my wife was contacted by a third party that stated that our home had been sold to a third party. We then contacted our Veterans Affairs GuarantoXXXX advocate office in XXXXXXXX XXXX The XXXX XXXX XXXX XXXX were unaware that XXXX Mortgage XXXX XXXX # XXXX had been in communication with us. XXXX Mortgage XXXX did not notify the XXXX Affairs XXXX that we had submitted documents for a loan modification during the same time as the sale of the home was nearing and began to proceed with the sale. 

We would like to request this to be investigated thoroughly and fairly. The process that was taken by XXXX Mortgage XXXX XXXX # XXXX is a display of unethical business practices and also displays XXXX XXXX in the highest regards. Please see attachments as additional details to support our statements of continued communication with XXXX Mortgage XXXX # XXXX in regard to our Loan Modification request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agency failed to adequately verify account in collections. Account is tied to an address that I have never resided in nor recognize. The address is also not listed on my credit report nor is the phone number tied to that account deeming it fraudulent. 

Also they have inaccurately tagged my credit profile as having 2 late payments with XXXX XXXX when I in fact do not have late payments on this account
Product: Debt collection

Halsted Financial has been reported as a scam by numerous people. I do not have any XXXX accounts and never have, yet I am being contacted by Halsted Financial 's official text line ( XXXX ) and told that my nonexistent account is now being placed with Halsted. It makes no sense. 

I've never previously been in contact with Halsted Financial nor have I ever consented to giving my contact information to them... let alone being contacted by them.
Product: Debt collection

I spoke with a lady with corporate conns home plus. advised lady that i was being forced to move due to ex jumping restraining order and not being able to take the refrigerator to new place as apartment would not allow it. She advised me to take the refrigerator to the local conns home plus on XXXX XXXX in XXXX, FL. Once received it would be sent the the warehouse and auctioned off. I had my baby daddy with college hunks take it to the conns home plus on XX/XX/XXXX. He told me they were advised XXXX XXXX up to the bay and unload the refrigerator. Now i am getting phone calls saying that conns does not allow voluntary surrenders in the state of florida and even thought they have the refrigerator and confirmed with local store that corporate authorized return that i owe the full original amount owed! This is XXXX. I followed what i was told and now i am told i am out of a refrigerator and still owe over XXXX and Conns has been destroying my credit when they have had to refrigerator since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2022 I disputed and requested debt validation on account number XXXX XXXX XXXX XXXX  which claims I owe {$2500.00}. To date I've yet to receive viable evidence bearing my signature, only a response from XXXX XXXX XXXX stating that would instruct to the bureaus to delete any updates they have placed on my credit profile. Which has not been done, I've suffered tremendously due to this inaccuracy on my credit. My right to extend credit has been damaged to a great extent. As a result, I've been discriminated against and refused the following. 

XXXX. XXXXXXXX XXXX XXXX  XXXX. XXXX XXXX XXXX residential According to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I'm also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Mortgage

Nationstar Mortgage LLC is still listed on my credit report even though it is past the FCRA retention time associated with the account. There is also a past due amount of {$19000.00} listed although the account was sold. There is a collection agency XXXX XXXX XXXX XXXX reporting the same exact amount.
Product: Consumer Loan

I purchased a loan from Reddough Money Center, originating on XXXX XXXX, 2016, with scheduled biweekly payments of {$42.00}. On XXXX XXXX, 2016, Reddough debited my account in the amount of {$210.00}, without notice. I contacted XXXX XXXX at Reddough about the situation, showed up in person, and after several exchanges about the situation, I was told my account would be credited {$170.00}. I asked for explanations for this gross error, and the answers were very vague. I stated I suspected possible embezzlement, which was dismissed as being ridiculous by XXXX . XXXX, which made me even more suspicious. I then noticed a " Maintenance Fee '' of {$23.00}, charged to my account on XXXX XXXX, 2016, which I had no way of knowing it was charged, if not from the printout for this situation. After providing my personal banking statements from XXXX and XXXX 2016, and providing a printout of my transaction history for XXXX, it was proven that all debits previous to XXXX XXXX had been debited, but XXXX 's records did not reflect the same. 

After reviewing MY personal records, XXXX XXXX verbally promised to reverse the ACH for {$170.00} AND vouched that funds would be available in my account on XXXX/XXXX/2016. That did not happen, of course.
Product: Debt collection

The Owner of the company I work for was sold an advertising product from " The XXXX '' They made multiple unauthorized charges to his account under different names. He canceled payments to the unauthorized charges. They said they sent it to collections. We called the number on the XXXX web page and they said they were A & S collections. We told them the charges were fraudulent and they called us repeatedly over and over even after we told them it was harassment. they yelled at us to shut up. They told us they were going to take us to the supreme Court. We told them to go ahead and they continued to call us. The phone number from the A & S collections website takes you to XXXX students hotline. The web addresses are : XXXX and XXXX The phone number listed on Insulation network is XXXX The phone number of the individual that repeatedly called and harassed us is XXXX She said her name was XXXX The phone number listed on A & S collections page is XXXX which as I said is a phone XXXX. They also pretended to be a different company having to do with spray foam with a different number and it was the same person on the phone that number was XXXX and the website for that one is XXXX