23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) creditors are unable to report late payments to my credit file, however TransUnion, XXXX and XXXX has reported this information on behalf of XXXX XXXX XXXX. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the Fair Credit Reporting Act compliance. I need the transactions reporting as late and any other derogatory information deleted from my consumer reports effective immediately. Furthermore, all accounts placed in collections/charge off status has been reported without the creditor mailing me a copy of my IRS form 1099-C or 1099-A, operating as a scheme to continue collecting from me even after the debt has been written off. This is in violation to 26 USC ss 6050P. I am requesting to have all derogatory account information deleted from my credit file within XXXX calendar days or I will be forced to officially file IRS form 3949A and IRS form 211 against all entities involved : XXXX XXXX XXXX XXXX or any third party Abbreviated Account # XXXX XXXX  or any third party ( currently reported by XXXX XXXX XXXX XXXX or any third party ( currently reported by XXXX XXXX XXXX ) XXXX XXXX XXXX or any third party ( currently reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any third party ( currently reported by XXXX XXXX XXXX XXXXXXXX XXXX XXXX or any third party ( currently reported by XXXX XXXX XXXX ) XXXX XXXX or any third party ( currently reported by XXXX XXXX ) Abbreviated XXXX XXXX XXXXXXXX  or any third party ( currently reported by XXXX XXXX XXXX XXXX XXXX  or any third party ( currently reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any third party ( currently reported by XXXX XXXX XXXX XXXX XXXX XXXX  or any third party ( currently reported by XXXX XXXX XXXX ) In addition to derogatory accounts, there are several instances where my personal information has been reported incorrectly. The only spelling of my name should be XXXX XXXX XXXX. My only address listed should be XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. My phone number should NOT be listed on my report. My correct social security number is XXXX. My correct date of birth is XX/XX/XXXX. Please make these corrections effective immediately. 
Finally, I would like to request that the following hard inquiries be removed from my credit. These hard inquiries are from companies that denied me credit and is hurting my chances from obtaining new credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 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
Product: Credit reporting or other personal consumer reports

I filed a report with the Better Business Bureau for this account ( complaint # XXXX ). It was originally a XXXX account which was not mine. The account eventually ended up in collections. I have tried to dispute it, but the collection agency ( XXXX XXXX XXXX ). I have tried to dispute with this agency and all three credit bureaus. XXXX removed it because it could not be verified as my account. XXXX and Experian have refused to remove this account.
Product: Student loan

Had Federal Student Loans that use to be with " XXXX  '' servicing. Since the discontuation with " XXXX '', the Department of Education has moved my loan over to " Edfinancial Services ''. Received notification on XXXX XXXX that my borrower defense cases were approved for discharge. Was informed via phone from " Edfinancial Services '' that it would be up to 180 days for the full discharge to be completed. This would have put the date at XX/XX/2023 for a completion date. Today is nearly XXXX  months past the date. Have sent countless emails to " Edfinancial Services '' along with the Department of Education, asking for when the discharge will be completed along with appropriated refund amount. However each one XXXX Department of Education and Edfinancial Services ) are pointing at each other of who is suppose to complete the discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a car loan through XXXX XXXX  in XX/XX/XXXX. They told me my payment would be {$200.00} per month. Once I started making payments, they informed me that the {$200.00} payment was bi-weekly, not monthly. I made all payments on time until XX/XX/XXXX, when I could no longer afford the make the payments. I voluntarily returned the car to the dealership and notified them that the car was in their possession. XXXX then ran a credit check on me, which I did not authorize. They call me 3 - 4 times daily, trying to get me to come pick up the car and continue making payments. I can not afford to. I realize this will damage my credit, but I did not authorize them to do a credit check on me and I was completely honest with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report today and I found inaccurate information. I have never lived in XXXX, IN. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX , CA XXXX XXXX XXXX  XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , IN XXXX XXXX XXXX XXXX XXXX, XXXX , AZ XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

Listed below are creditors that have reported inaccurate information to my credit report and would like to dispute these agencies listed below, I have included alleged dates and amount due that are being claimed negatively on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Amount being falsely reported is : {$530.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Amount being falsely reported is : {$330.00} XXXXXXXX XXXX XXXX XX/XX/XXXX Amount being falsely reported is {$760.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Ive reached out to National Credit Systems to verify debt. I was later sent an email where I could send payment. Im aware of Fair credit reporting act, laws, and statute of limitations. I have the right to dispute incorrect information, which I have tried multiple times through XXXX to validate debt. I have reached out to them directly and began receiving calls early mornings and have received emails. The statute of limitations for debt collections is 4 years in the state of Texas where the contract was signed and state law name in the original copy of contract. After the time has ran out, debt collectors CAN NOT LEGALLY attempt to collect on debt. Therefore, they are violating the FRCA by reporting this collection on my credit report still after XXXX. Ive suffered for the past few years to get this removed due to the debt being paid when they brought it from XXXX XXXX
Product: Vehicle loan or lease

My auto loan with Capital One was taken out in  XXXX    XXXX   as a refi. The original loan was with  XXXX .  XXXX  was paid off and for the last year I have made my payments on ti me to Capital One.    I was in an auto accident on  XXXX  and my car ended up being a total loss. My insurance company called to ask if I was the only title holder. Confused, I said that  no, Cap1 h as a lien on the car and is on the title. Well come to find out they are not. Because they never filed the title that  XXXX  sent them with the state of DE. I called  XXXX  to confirm it was sent and was informed it was sent the same week they received their payoff. I was told b y a Cap1 rep th at it was found " sitting in a drawer ''. So now the loan payoff from my insurance ( and the rest to me  ) is signif icantly delayed which is also delaying my ability to purchase another vehicle.   At best I feel that this is gross negligence and at worst it feels like it should be illegal. This is n't just a HUGE source of stress for a waste of my time - this simply should not be allowed to happen.    XXXX   XXXX   (  my insurance company ) has gone above and beyond to make sure the payout is expedited using just a copy of the lien release from  XXXX  and a payoff statement from  Cap1 despit e normal state guidelines. But they should n't have to. How many other customers have titles just " sitting in a drawer ''?
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX XXXX XXXX XXXX I received an email from Venmo that my account has been closed and my balance of {$27.00} had been transferred to a different fund. This was my first communication from Venmo about the incident. I had not approved this transaction or account closure, nor had I ever received any other emails suggesting either would occur. I immediately tried to log into my account and failed ( as the account no longer existed ). I called right away, and spoke with XXXX XXXX in customer service who was able to identify that the company had closed my account for inactivity. I confirmed on the phone with XXXX that my last activity was in XXXX of XXXX. I asked XXXX why this would be closed without any notification to me first, and he indicated that normally the company does alert customers twice before closing accounts. I do not delete emails, so I have my communication history from Venmo and read back the recent emails I have received from the company ( dates and subject lines ). At no point had I received any emails from Venmo indicating my account would close. XXXX confirmed that he had no evidence that I had been contacted to warn me of the impending closure and to allow me to take action. At this point in time, he told me he thought he could stop the transaction and reinstate my funds in my account. I asked where the funds had been sent, and he thought but did not confirm on the phone that they had gone to an unclaimed property fund. Later that day he emailed saying that my funds had been sent to the XXXX XXXX XXXX and to contact them, which I did immediately. I heard back from them at the beginning of business hours on Wednesday, XX/XX/XXXX, and they indicated that Venmo still had the money in their possession and would for several weeks. At that point, I immediately followed back up with Venmo, and from this point forward received multiple communications with XXXX XXXX that the state has my funds ( according to them, they do not ) and that all customers are given XXXX notices before accounts are closed ( I was not, which was previously confirmed by a customer service rep at Venmo ). 

I am now out the balance from my account on Venmo. I would like the CFPB to look into Venmo 's questionable business practices, as they have effectively " frozen '' access to my own money for a period of multiple months until whenever the state gets it - an indeterminate length! - despite not following their own processes whereby I should have been notified in advance. I would further like CFPB 's help recovering my funds more quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested a copy of free report from TransUnion on XX/XX/XXXX ; report was to arrive on or before end of 15 business days. Report did not arrive within 15 business days on or before XX/XX/XXXX.

Called TransUnion on XX/XX/XXXX to report I never received my free credit report.

I was told my free credit report had been mailed and I should have received my copy.

TransUnion agreed to send second copy on XX/XX/XXXX and it would be delivered to my home address by no later than XX/XX/XXXX Did not receive my free copy of credit report by XX/XX/XXXX Tried to call TransUnion on XX/XX/XXXX. My phone calls were disconnected three times.
Product: Credit card or prepaid card

We made a payment in the amount of {$3400.00}. At that time we received 2 confirmation emails with the same confirmation number. We called at that time to ensure that there was only one transaction. We were assured it had only gone through once. It has since come out 2 additional times causing an overdraft to our account and multiple hours on the phone. We worked with the credit card to credit our account at the inital mistake on their end, and thought everything was fine, and today they took the money out again!! We have no idea how to get this to stop. We dont even owe what they are trying to debit from our bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you today to request, once again, to remove the fraudulent accounts and information that I found you report on my Credit File. I have read that I am entitled to protect my consumer rights under the Fair Credit Reporting Act Section 605b, and request to you to remove any fraudulent accounts and information that being opened due to my identity being stolen. I previously sent you a disputed letter last XX/XX/XXXX, with complete attachments of my personal identification documents as well as the ID THEFT REPORT I received from the FTC. Once again, I request of you to please remove the following items off from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am a victim of Identity theft and the items I am disputing do not relate to any transactions that I have done or authorized. Under the Fair Credit Reporting Act section 605b, please remove the disputed accounts and information from my Credit File as soon as possible.
Product: Mortgage

I have been working with Selene Finance for almost a year now. We started a loan modification which started in XXXX 2016 in which the first payment had to be {$1700.00} and sent by XXXX or XXXX XXXX. They received that payment. The next payments from XXXX to XXXX were {$890.00} and they were paid {$890.00} every single month. I got a call from the agent that was working with me throughout the modification in XXXX asking me when my payment was going to be made so they could go ahead and finalize my modification as soon as the payment was received but that never happened. What I got was an excuse that they were too busy to finalize my modification. After the final payment while I was waiting on papers in XXXX that never came I sent it my original payment of the {$630.00} being that I had not heard from Selene any more except for receiving a foreclosure letter during the modification which I was told to ignore and they do n't know why it was sent. When I sent in the original payment I got a call stating that if I wanted them to finalize my modification I needed to send in an additional amount of {$250.00}. I asked them to send me a letter stating the foreclosure was in error before I sent in anything and I got that on XXXX XXXX, 2016 by XXXX XXXX. It also had a letter attached with XXXX XXXX who was listed as Team Lead. However even after making that payment I never received my modification papers or even heard anything else from Selene until XXXX XXXX from a XXXX XXXX. I was told the morning of XXXX XXXX, 2016 that a letter had been mailed out to me on XXXX XXXX, 2016 stating that I needed to make my payment in order for them to continue with my modification. I gave XXXX the payment over the phone that same day during this particular conversation only to pull a letter out of my mailbox on XXXX/XXXX/2016 saying I would not be getting my modification. I paid every payment during that trial period exactly the way I was told every single month. I got the run around for 3 months and this company who I had read at least XXXX complaints about the same exact experiences and this company continues to get away with the same tactics on taking people 's homes. I 'm not understanding how they continue to keep getting away with this to people they are suppose to be trying to help. We did everything that was asked and here I am reeling about trying to save my home when this is what I thought I had been doing for the past couple of months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the year XXXX I left the USA and returned after 10 years in the USA in this XXXX. But I found during my absence a credit card account is open using my information and was operated for a few months which I did not have any knowledge. I want this record to be moved and also some hard and soft inquires happened in past years XXXX to XXXX when I was out of country. I have proof of documents that show my entry in this year and my residence in other country during entire last 10 years. Please guide and do needful.
Product: Credit card or prepaid card

I paid {$100.00} to destiny XXXX on the XXXX of XXXX. If cleared my account on the XXXX of XXXX. It is now the XXXX and my credit limit has not increased to show the payment. The payment has not been pending since the XXXX of XXXX and I still do not have it as available credit.
Product: Vehicle loan or lease

American Honda Finance Corporation violated consumer rights and Virginia Consumer Protection Law under Virginia 's 6.2-2217 for Limited Recourse ; repossession and sale of motor vehicle. After repossession of leased vehicle on XX/XX/XXXX, with account no. XXXX, Honda Financial never comply with Virginia Law by sending a timely Notice of Proposed Sale with date, time, and location of sale prior to such sale. By not informing the consumer, XXXX XXXX XXXX, as required by Virginia Law, Honda Financial denied the consumer the opportunity to buy back the vehicle. Every notice Honda Financial sent the consumer was dated and after the fact and as such did not comply with Virginia Law. Consumer sent several letters and requests for the timely notification which Honda Finacial has failed to provide to date.

By not allowing buy back at sale, consumer was not able to initiate process to pay off remaining balance account with alternative lending which was being explored. Consumer is now paying balance even after violation of his rights. Further, these actions by Honda Financial are being reported to credit bureaus as charged off account, when again consumer was not provided with opportunity to address based on lack of required timely notification.
Product: Credit card or prepaid card

I got a collection letter, did not know why. checked to find I was a victim of I.D . theft I filed a report.with F.T.C. and local police.Sent all to C.R.A. and usaa savings bank. the information was removed from my report. Then it showed back up on my report. I tried to get it fixed, but was denied due to it already investigated. after some time I was told by XXXX  Fraud department that usaa reported to them that they had proof that I opened the account. 
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Credit Card - Revolving Terms
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XXXX. with intent shared private and protected information about cosumer information that EXPERIAN XXXX. is aware of that via FEDERAL LAW EXPERIAN HAD BEEN TOLD BY THE CREATION OF 15 U.S.C. 1681 AS WELL ASSTATE LAW OF DECEPTIVE TRADE P RATICES AS WELL AS A MEDICAL IDENTITY FRAUD CONCLUDED THAT THE COMPANY MERCHANTS & PROFESSIONAL COLLECTION BUREAU , INC. HAD BEEN FOUND USING DECEPTIVE TRADE PRACTICES, AND YET CONTINUED TO PROMOTE THEIR FRAUDULENT TACTICS TO VIOLATE THE CONSUMER 'S RIGHTS TO DEFAME THE CONSUMER & PROMOTE THEIR TYRANNY WITHOUT PROPER ACCURACY AND DELETING THE ACCOUNT TO LIVE OF TO PROMISE OF GUARANTEED " MAXIMUM ACCURACY POSSIBLE. '' XX/XX/2022 - ISSUED. STATEMENT OF COMPANY RESPONSE AS TO THE DECEPTIVE AND FRAUDLENT ACTIONS TAKEN AGAINST THE CONSUMER PROTECTED BY FEDERAL LAWS CREATED TO PROTECT XXXX CONSUMERS FROM DECEPTIVE TRADE PRACTICES SUCH AS FRAUDULENTLY TELLING THE CONSUMER THAT THEY WERE ATTORNEYS, VIOATIONS OF THE " NO SURPRIZE ACT '' CREATED & SIGNED XX/XX/2022. THE COMPANY KNOWN AS " XXXX '' ALSO STATED THAT THEY DO NOT COLLECT DEBTS. '' AS STATED ON ORIGINAL LETTERHEAD. THE COMPANY HAD NO CONTRACT AS VALIDATION WITH A " WET SIGNATURE. 
" COMPANY RESPONSE STATED- Company 's Response The account has been returned to XXXX XXXX  XXXX XXXX and our reporting of the account is in the process of being removed from the three credit bureau files. Please allow 5 to 7 days for process to be complete.
Product: Credit card

Capital one is showing amount owed on credit report when balance was paid in full and closed. This reporting is incorrect and needs to be fixed.
Product: Bank account or service

I had a fledgling company take money off my Direct Express Card that was not authorized. Direct Express told me I would receive a provisional credit on the 10th business day I am having a hard time getting that credit was an emergency I have no heat in my home. I was told the day I file the credit I would be eligible and I would receive a provisional Credit Now the story is being changed and being told that it is not guaranteed I get hung up on I get very rude service I have contacted the XXXX the FTC the cfpb the Secret Service Agency for fraud the Social Security Administration direct express and Comerica. Please push it along so that Direct Express has to refund this money that is supposed to be fdic-insured thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian clearly has no respect for the laws intended to protect consumer reports or Congress. I asked Experian to update the correct date of last activity or delete the account marked XXXX XXXX  on my consumer report. Experian is still reporting a date of last activity of XXXX and claiming this was verified after it has already been determined the date of last activity was incorrect and unverifiable. XXXX has since deleted that account due to the inaccuracy and accounts on my consumer report should look exactly the same. XXXX deleting this account proves Experian did not do a proper investigation and has harmed me by reporting an account they knew or had reason to believe was inaccurate. I have attached proof of this deletion to my complaint.
Product: Credit card

Everytime I use the macy 's credit card and then pay the amount on the bill to pay it off I get another bill for more money. My bill now says {$2.00}. This has happened about 3 times before. I charge something get a bill pay the entire amount and then get another bill for {$2.00}. It 's like you can not pay off the bill. Not sure what they are charging.
Product: Mortgage

Wells Fargo has not honored the FHA guidelines. 
They have stolen my funds paid on my account. 
Did not follow the HAMP guidelines. 
Threatened and harrased me during my bankruptcy. 
Changed the amount in Principal to increase XXXX dollars