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

Experian is reporting accounts on my consumer report against my will and the federal law. 

I have ask them to remove the accounts XXXX and XXXX of 2021 and they just say that the accounts we're validated which was a lie. I am the consumer and original creditor pursuant to 15 USC 1601g. I regularly extend credit and am a natural person. Experian never sent my anything requesting a validation. So, they flat out lied and the CEO needs to be put in federal prison for at least one year and fined according to law. I am demanding that you delete all the below accounts immediately not in 30days. You have hurt my ability to obtain credit and live a normal life. I am unable to maintain my family household use due to your negligence and failure to get my permission to report. 
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern : ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report TransUnion, Experian, Equifax do not have my permission to report anything on my consumer report without my permission. I was never asked or notified!

Get these accounts off my consumer report in the next 48 hours or I'm suing the CEO and he can spend time in federal prison for all I care not. He has cost me everything! 2021 Under 15 U.S. Code 1681b ( e ) 1 -Permissible purposes of consumer reports ( a ) IN GENERAL subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.

Concerning the account listed below as a consumer Im demanding the deletion of the accounts below from my consumer report and file. 


1. XXXX XXXX XXXX XXXXXXXX 2. XXXX XXXXXXXX 3. XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received my regular mortgage bill with an extra amount due monthly. It states is for attorney fee for a foreclosure in the total of XXXX. I called them asking how this is? They stated I went into foreclosure when I did n't and told me this is their attorney fees, I asked them for a copy of the attorney 's bill they received and proof I went into foreclosure. They have history of doing this to people and false charges. They stated they had no proof that they only had a letter that was sent to me a XXXX ago stating my account could go into foreclosure if Im not caught up. I was late XXXX month and this does n't constitute foreclosure and nor was foreclosure started. I would like a copy of the attorneys bill for the amount they are charging me. They are always extremely nasty on the phone to me and threaten me in different ways.
Product: Credit reporting or other personal consumer reports

IVE REQUESTED TO HAVE MY INFORMATION CORRECTED ON Y CREDIT REPORT SO THAT I CAN FURTHER WORK ON GETTING A PROPER SCORE.
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.

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX 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: Debt collection

I was notified by my credit monitoring that I had an account that was open by Midland Credit Management. I never heard of this company. Never opened anything with them. I found out they purchased a debt from a creditor XXXX XXXX XXXX  XXXX that had already charge off my account with them. Midland have been reporting on my credit report that I have not paid them every month or even twice a month. They never reached out to me by mail or phone. Now they are trying to sue me for something I never opened with them. They never tried to contact me. I found out about them through my credit monitor report.
Product: Credit card or prepaid card

On XX/XX/18 I paid in full my Barclay MasterCard ending in XXXX the balance was {$2800.00}. As always I would check my account online or by phone.Since I have this account I always keep it in with good standing.When I call in the system would always ask me a series of security questions to confirm it is me such as my date of birth, the last four digits of my social security, mailing address, mother maiden name.When I call in to check on my account it ask once a series of question security which I answer with no problem then I was transfer with to live a person in customer service which I answer and pass a series of question.Then they say they still a problem of ID that is me. Then they ask me to send a copy of Driver License, Social Security Card, Utilities bill which I did and I did not heard from them in many things.So I contact them again then they got them but now I need to make a copies of the back of my Driver License and Social Security Card and I also told them the second time that I have two address one for my primary and the other secondary.Then I mail a copies of back of the two documents they requested then still I did not heard from them for many days once again I have to contact them and go to a series of question and they still place restriction on my account. I have reason to believe they have done this because Iam XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year i was noticed a company call XXXX XXXX XXXX XXXX was on my credit report. I wrote a letter of validation of debt and was sent Certified mail on XX/XX/XXXX and was delivered at XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX Delivered, Front Desk. I will attach letter below. 30 days later the information was taking off on credit report then put back on my credit report on Equifax. I sent proof to Equifax via mail and fax but still has not been taking of my credit report it is now XX/XX/XXXX. XXXX XXXX XXXX XXXX has not provided me with original contract and security agreement and according to Fair Debt Collection Practices Act. Equifax have not done anything to resolve this simple task because i have done all the work for them. They have cause emotional stress and time lost when i have been trying to send them the documents for them to take the items off my credit report. I again faxed information to Equifax XX/XX/XXXX we will see if they do not receive the documents again!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank USA N has an account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however it's an account that has 2 late payments. Now according to 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I disputed Tax Liens with Transunion and XXXX that do not meet the XXXX reporting standards, as these liens have redacted my social security number and do not show my date of birth ( see attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violate my rights. 

15 USC 1681 Section 604 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 a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I received a letter from your company attempting to collect an alleged debt. For starters, I do not owe your company any money. For two it is not legal for you to collect a debt on behalf of another collection agency. I would like to ask, are you insinuating that I had an account, or some sort of credit with these companies listed below? I have never done business with these companies. I need you to provide legal proof that I have the right to do business with you, what bonds me to you? What kind of business dealings have I done with you? I am demanding that you remove this account from my credit reports at once. It is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. I sent your company a debt validation letter on XX/XX/2022. It is a violation of the Fair Credit Reporting Act to report false information to a consumer 's credit file, you legally have 30 days ( about 4 and a half weeks ) to respond to my request. It has been over 60 days since I originally sent you a debt validation letter, you are not obligated by law to remove this account from my credit file. According to the FCRA, I may sue you in any qualified state or federal court including small claims court in my area.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I attempted to buy an item from an online vendor. As part of the checkout process, I submitted a {$500.00} payment via Venmo. As it turns out, the website was part of a very sophisticated scam. 

Upon realizing that the website was essentially fake, I reported the scam to Venmo. For its part, Venmo escalated the case, but was unable to reverse the payment due to company policy. 

Therein lies the problem : ( 1. ) What steps has Venmo taken to prevent this type of fraud? 
( 2. ) How many customers must be victimized until fraudulent accounts are barred? 

As far as I'm concerned, Venmo is complicit in this scheme if others had filed complaints, yet nothing was done to protect users like me from fraudulent activity. 

From my prospective, Venmo could benefit from increased CFPB oversight to prevent " loopholes '' and protect consumers.
Product: Vehicle loan or lease

I am writing to file a formal complaint against Mercedes Benz Financial, the organization that originally financed my vehicle. My complaint pertains to their handling of the vehicle financing, which, as per my understanding of the Security Exchange Act, has raised concerns of potential violations, securities fraud and tax evasion. My promissory note/certificate of indebtness was securitizied and the company received full payment for the vehicle. it appears that Mercedes Benz Financial received a CUSIP number and engaged in trading activities. This raises concerns that the account should have a {$0.00} balance as the debt should have been fully discharged. According to the 10k Form XXXX XXXX XXXX XXXX XXXX is the Indenture Trustee with XXXX XXXX as the respective officer. On XX/XX/2023 I sent USPS registered mail # XXXX mail to XXXX XXXX, XXXX XXXX delivered on XX/XX/2023. I spoke to XXXX XXXX on XX/XX/2023 and was given his email which was sent and shows delivered. I have not received a response as of yet and my account is still showing a balance, which again should be {$0.00}.
Product: Debt collection

IQ DATA INTERNATIONAL reported to my credit report without verify debt with me. I have knowledge of the debt or the original creditor. I dont have any contract signed with them or original creditor on the account.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, TX, XXXX Employer - XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Payday loan, title loan, or personal loan

I have attempted for 6 months for the company to issue me a refund of my overpaid interest after paying off the loan in full. They indicate that they sent it to my bank account but no such funds have ever been received. I have called numerous times asking for the money to be sent to me via a check and no one has been successful in completing this simple task. I have filed a complaint before as they did not post my payoff timely as I was given a bad address to send in the money. I just need the refunds due to me processed and someone to take ownership of this problem.
Product: Debt collection

I was served with a Summons to Answer in the third week of XXXX, with no prior notice. 15 U.S. Code 1692g indicates that they must send an initial g letter, and allow up to 30 days for me to respond. I have  no information about this debt. I attempted to obtain information from the original creditor, as claimed, by the collections agency, but stalled, delayed, and given the run-a-round, with no information about this debt has been provided.
Product: Mortgage

I own a condominium unit in  XXXX , Illinois .I have owned it since  XXXX . Approxiamaately 9 years ago the mortage was sold  to Ocwen Mortage loan  Servicing. During that time it has been a total mess trying to deal with them. They raise the mortage whenever they want to, charge me whenever they want to. I have a speech impediament, Stuttering, so when I talk to them its always a problem. Normally its a person from a foreign country that I am talking to.I am  XXXX  years of age with serious health issues. I have  XXXX   XXXX   XXXX ,  XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Prescribed by my doctor. I weigh  XXXX  lbs. and when I walk up the stairs at the condo, ''  XXXX  floor '',   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . There is no elevator in the building.I had to stop working because of my health! I was a   XXXX   XXXX   XXXX   for 37 years. I ca n't do that anymore. According to Ocwen, I am behind {$4300.00}. Loan #  XXXX . And the mortage is not going down! The principal balance is still at {$63000.00}. I sent them a letter explaining my situation. And they keep sending me BILLS!! The latest  is Delinquency Information.   dated  XX/XX/XXXX .
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I executed a sale of bitcoin on coinbase.com worth {$6800.00}. The funds were supposed arrive in my USD wallet that same day ; the transaction message I received stated the following : " Your USD will arrive by the end of day on Friday XX/XX/XXXX ''. This message is still being displayed in the transaction records as per XX/XX/XXXX, and to date I have not received payment. The transaction status shows " pending '', while the sale of the bitcoin shows the status as " completed ''. 

I contacted customer support after noticing the Funds were not available the following day, and the company responded with an e-mail instructing me to look up potential causes for delays on their website. There was no information regarding delays for sales of bitcoin and funds not showing up in the USD wallet. As per the company 's site, USD wallet transaction are supposed to be immediate. I responded to company 's email several times asking for further assistance, but never received a response. My case has not been updated since XX/XX/XXXX. The company 's costumer support phone number does not handle transaction issues, which means I am out of options at this point.
Product: Debt collection

Transworld System , Inc. 

CFPB - Are you serious to have this company under 3 big credit companies ' ( XXXX, XXXX, and XXXX  ) profiles? Are these companies really serious about consumer credit history and doing business with Transworld System, inc.? 

The Transworld System , Inc. is unprofessional and not providing any information regarding dispute collection, I understand, you may not believe. 

Please visit XXXX XXXX XXXX  and click on contact us and let your consumer know where that link takes you. Can you contact them via email so you have at least a written record over a voice call? 

Calling them is a cycle of the circus - the call keeps forwarding 1 representative to the next and at the end the calls going in drop off. 

If still not believing, please visit and review the Consumer Affairs website regarding the Transworld system - XXXX XXXX XXXX 

Is the CFPB agency going to do something with these types of companies or above three credit companies? These companies ruining consumers ' life to just file and report the dispute in our personal records for 7 to 10 Years. Is someone monitoring these 3 bureau agencies failing grades for consumers and their associate 's companies or customer will be always targeted and abuse by their services for life? 

I've disputed XXXX filing on my credit report, when I try to dispute using all 3 credit reports, no response found to resolve, they give me Transworld Systems limited info. The Transworld System even doesn't have proper communication contact information ready for the customer. What is CFPB looking for from customers to follow up? Could someone investigate Transworld System Customer service and their business practice and involve other 3 credit agencies and ask them why they are using Transworld systems on their behalf? I'm stopping here, you may find more information on the customers ' affairs website - Transworld system review. 

Thanks, XXXX XXXX
Product: Credit reporting

I have a listing on my credit report with all XXXX bureaus for a collection company called XXXX. I have disputed this account with them for the past 3 years and they continue to report to the credit bureaus that the information is correct. I have contacted them myself several times requesting that they provide me copies of all bills and a breakdown of what is owed. I believe that they have combined a XXXX Gas and Electric bill an reporting it as the same bill. The problem is each account has a different last payment received date and they are reporting inaccurate data. I have also filed a complaint with the attorney generals office on this.
Product: Debt collection

PennCredit contacted me about a debt in XX/XX/XXXX. I sent a letter ( attached ) disputing the debt, They never responded in any way. I just received the same letter ( XX/XX/XXXX ) from them about the same debt.
Product: Mortgage

My mortgage was sold to freedom mortgage and inwas offered a streamlined refi after submitting all requested paperwork I did not hear back for several weeks I reached out and was told by the under writers that the refi was closed with no notification to me. I contacted the person who origallny started the refi process for me he started everything up again. Things were going smoothly aside from being asked for even more documents this time which were provided. I was called asking for a pay stub which I sent in on that phone call I was told inwould get weekly up dates. 2 weeks passed and I got no update when I called I was told it was closed again with no notification to me yet again.
Product: Credit reporting or other personal consumer reports

I live in Ohio and because of the Lending laws in Ohio this debit is null and void and un collectable. Ohio caps interest rates for loans to 28 percent and only maximum of XXXX dollars amount per loan. These internet loans are predatory and illegal. The interest rate for these loans are 300-400 percent. A XXXX dollar loan becomes XXXX and pay for XXXX  years. The below companies are on my credot report under the collections category. 
- XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX Both companies go through Collection Agency XXXX XXXX XXXX XXXX they also practice unfair collecting. 
Called my wife and other family members and forced me to start a monthly payment plan with them so they could stop calling my family. 
Very embarrassing and it should be illegal.