23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit acceptance put an illegal tracker on my vehicle. XXXX XXXXXXXX XXXX. I asked them to remove it and they refused. They also said if I give the vehicle back, I will still be held responsible over the remaining balance of the purchase of the vehicle, even though they have invaded my privacy with a tracker on the vehicle, which is illegal they then repossessed the vehicle because I refuse to pay because they refuse to remove the tracker and they also when my credit without my permission over XXXX times lowering my XXXX XXXX and they are still running my credit. Lowering my XXXX XXXX. The vehicle was repossessed in XX/XX/XXXX. My credit is still being ran as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below XXXX XXXX XXXX XXXX - The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit reporting or other personal consumer reports

I am writing to challenge the existence of specific hard inquiry on my ceI find it unacceptable that Equifax permitted such inquiry without obtaining my explicit consent as a consumer. 

XXXX - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX, XXXX, M ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$110.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX  XXXX Bankruptcy Reference # XXXX : XX/XX/2017.
Product: Debt collection

Professional adjustment company Debts XXXX I spoke with this company and was told to come there to match signatures with the forms they show and my driver license as I was on my way the lady told me don't come because the computer was down to come a couple of days later I called her and called she insisted that I didn't need to come.I disputed this with the credit bureau to no avail please help this is my last resort before I take this matter to Court.
Product: Credit reporting or other personal consumer reports

To Whom It may concern all of the following inquries are inaccurate on my Experian account. I have tried to call the companies involved and Experian and have gotten no where I will list the false inquiry 's that were never authorized by me. On XX/XX/XXXX it claims cXXXX XXXX XXXX XXXX XXXX XXXX XXXX I never gave anyone permission to run my credit scorXXXX that day. XXXX on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the last one XXXX I did have an inquiry XXXX. XXXX but for some reason it is listed twice they only had permission to run my score one unsure why it was done twice that day. I would like this all removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX XXXX, has violated my rights. XXXX XXXX XXXXXXXX has not sent any documentation proving the debt or any signature proving how the account was opened. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX, has violated my rights. XXXX XXXX has also sold the account and reports a balance that is different from XXXX which is the company they sold the debt to, XXXX has various amounts and will not send documentation of a signature or how the account was opened, it has been past thirty days.

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.
Product: Bank account or service

I signed up for a new account in XXXX 2015 with PNC bank. There was a {$200.00} sign up bonus. Since then I have called three times to check on it and each time I am told I was approved for the {$200.00} until today when they stated I did NOT meet one of the criteria I never knew about. They also set up my checks on the wrong bank account and charged me NSF fees which I had to call and have reversed several times. People I worked with there are no longer with the company so what they told me or did to me is no longer valid ...
Product: Mortgage

This is to previous complaint # XXXX closed cuz I didn't reply in time. TCF bank never paid my 2019 winter taxes I had too, They keep sending payment to local city instead of county. So I Iet them know they owed me {$84.00} for tax payment. I received a call from a rep named XXXX that they were only going to reimburse the interest not full payment cuz it came out of error acct not my escrow. I said how was that since my escrow acct was short almost same amount as the tax owed they didn't pay and to show me where its still in the mortgage escrow. She told me she would get back with me. Its been 3 weeks and no phone calls no reimbursement nothing. Now I know this isn't a huge some of money thank goodness but I expect my money returned to me. This bank is handling my mortgage and money and have no problem taking it. I expect some respect of being called and issue taken care of. This has been going on for over six months. There is no real way I have found to contact upper management because unfortunately no other employee has resolved this is. I feel they should be fined and I should not only be reimbursed but restitution made to me for the anguish of dealing with poor banking dealings. Looking to talk to someone in company higher up
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer ; natural living, breathing person. After reviewing my consumer report I have noticed that there are still inaccuracies on my consumer report which are not in accordance with 15 USC 1666b ( a ). The account XXXX XXXX reflects two past due payments for dates XX/XX/21 and XX/XX/21, the account should reflect on time payments for dates XX/XX/21 and XX/XX/21.
Product: Debt collection

Each day, at approximately XXXX EST, I receive a call from Convergent Outsourcing. Convergent is a debt collector. My phone number is XXXX. I tell them each time I am not the person they are looking for and they continue to call. On XX/XX/XXXX, they called for a XXXX XXXX and then again for a XXXX XXXX. I can not convince them that I am not under any late debt obligations. I only owe a mortgage and am in good standing having never missed a payment. How do I get them to stop calling me for people who had that phone number or have misrepresented themselves to have that phone number? Convergent calls EVERY DAY. I have told them to stop calling that number and according to their representatives, I am on a recorded line. That must be a joke too.
Product: Credit card or prepaid card

I opened a credit card with Citizens Banks in XX/XX/2023. According to the terms of the credit card, I am supposed to receive 10 % cash back on all purchases up to {$1000.00} spent per month for the first nine months following the opening of the card. 

It is unclear when I need to spend {$1000.00} to receive 10 % back on purchases. The 10 % has been inconsistently applied to my transactions. Some transactions will code correctly with the 10 % back, then receive a lower amount, then go back up to 10 % all within the same month and before hitting the {$1000.00} XXXX. 

On Monday, XX/XX/2023, I spoke with a representative named XXXX to try to better understand the terms and how they are applied. I highlighted the error I described above to her and she struggled to explain when the {$1000.00} cap is counted from.
Product: Credit reporting

I had XXXX credit card with XXXX XXXX XXXX which was opened in XX/XX/XXXX, and an auto title loan which was opened in XX/XX/XXXX. The auto loan was paid in full. The credit card was included in bankruptcy in XX/XX/XXXX, but all payments were made on time until XXXX XXXX when I lost my job. XXXX has the XXXX auto loan listed as a credit card opened in XX/XX/XXXX, and has deleted the actual credit card information. Equifax has the XXXX auto loan listed correctly, but states that the credit card was opened in XX/XX/XXXX. This has created a XXXX point discrepancy on the credit reports. I have disputed the information via XXXX XXXX at least twice, but the information is incorrect, and does not even match. I phoned XXXX XXXX XXXX, XXXX, in an attempt to rectify this. XXXX 's representative told me that their computer system lists the credit card as being opened in XX/XX/XXXX, as older records have been archived. I was told by the XXXX representative that they will research it if disputed again. I just want the information to be reported correctly.
Product: Debt collection

I had a XXXX card about 18 years + ago. I remember paying them around {$700.00} to an agency that keep calling me about 14+ years ago. After that i never received any calls or mail. I had assumed it was settle. In XXXX I went to live in XXXX. On XXXX, XXXX I moved back to the States to a new address in XXXX XXXX a bit far away from my preview address from XXXX. A few months ago my current job contacted me. Stating that my wages will be garnished. They provided me with the information of the company that was doing it so. The company name is Steve Cohen, LLC a debt collector. I had call them and ask them they reason behind and why I was never informed or received any mail regarding this. They told me they had send some correspondence to the address they had on file. And that is should call the judge that authorized and talk to him. There was nothing they can do. 
I had call the court were my case had take place but i was told to go see the judge and see what can be done. I have not had a chance to go there as my job is Monday to Friedan. I will try to go there in the coming days. As of the moment they are taking {$400.00} as month of my check from a credit card that i had about 18 years ago. The credit card was for about {$750.00} at the time and this company is asking to pay them {$8000.00} claiming interest. 

Any advice on what I should do. 

I feel that i was never given a chance to explain my side.
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. 

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of i

nquiries : 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

I disputed my report with the company and mailed my letters certified on XX/XX/18, sent certified and the company has not responded back to me. And claiming they dont have my dispute on file
Product: Mortgage

Paid off my principle in full and now the mortgage company keep after me for me to sell off my home. I've not asked for a pay-off. They are doing everything on their own including force pay off amounts made for 25 % total sell of home stating that the amount they should receive is over {$57000.00} or I need to make arrangements to pay them this amount??? It sounds like a threat to myself and others who is aware of this on going problem now for greater than several years. It appears this company has no consideration for moral / legal business practice or consideration for what emotional or physical problems they might be creating or contributing to based on unnecessary stress. I'm XXXX  and on a fixed income and doing the best I can with what I have. It's the same mortgage company but the name and hands has changed maybe three times over the 15-20 years. I requesting assistance asap. I'm upset with this continued abuse and seeking help at this time. I've reached out many times and because they out source no one seems to be able to assist. They seem to do as they please. Treating folks like they have NO rights. Thank you for any help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in Violation of Reporting Unauthorized Inquires 15 usc s 16881 b ( c ) ( 1 ) ( a ) All Inquires are Misleading False and Fraud Under 15 U.S Code 1681b Please Delete All Of The Fraudulent Inquires From My Credit Report
Product: Credit reporting or other personal consumer reports

I discovered some inaccuracies on my credit report that are regulated by 15 USC 16c-2. I assert that this information is not correct and is detrimental to my creditworthiness. The inquiries mentioned were not authorized by me.
Product: Debt collection

XX/XX/XXXX Speaking to XXXX and they transferred me to this company, Spoke with company, explained to them I have not heard anything about this supposed debt in years, They were trying to say that I am in collections with them since XXXX for a XXXX bill for {$600.00} asking for payment today with my debt card. Told these people I am not in collections with anyone. I track my credit report all the time and I just bought a home recently and it would have shown up on the credit reporting as well for my mortgage. I expressed to them I filled bankruptcy in XXXX and im sure the bill was in it they just kept asking for payment, the person i was speaking to them put someone else on the phone stating that he would be able to help me. I stated to him that I will not give my debit card information over the phone to anyone and if they want to send a letter regarding this I would look it over, the man said they would send a letter but they never asked my new address or contact information. Very strange to me and very strange I havent heard anything about this in 8 years and I have no collections on my credit report as they say i do, and just kept asking for payment today when I know I do not owe
Product: Debt collection

This debt collection agency have been trying to attempt to collect debt for information I have no knowledge about, I have attempted to reach out with information supporting my identity theft situation once again no one has done anything to fix this issue and its stuck on my credit report for something. I have no knowledge about or something that I am not responsible for.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : Account Name : XXXX XXXX Account Number : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can & XXXX XXXX  ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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
Product: Mortgage

My name is XXXX XXXX, I am writing regarding my house XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX, I have been trying to work with Wells Fargo for the past XXXX months to make payments on my home that is being up for sale for Foreclosure on Friday XXXX XXXX 2015, I made my payments but is still being Foreclosed, I was NOT NOTIFIED of the Foreclosure Auction Sale date for my home, I found out by my Renter frantically calling me XXXX days ago, saying a real estate agent came to the house and told her the situation, I was told by XXXX XXXX, that she was waiting on XXXX to make a decision on the acct, But I called XXXX and they said they did n't know what I was talking about, I also talked to XXXX XXXX with XXXX XXXX XXXX, I told her how my account is supposed to be under review, she told me that she could postpone the Sale if someone from Wells Fargo would call them and tell them to post pone the sale until further notice .But No one will do so. So I am confused why No One is willing to help me, me and my family have been a customer with Wells Fargo way over XXXX yrs, and this is how we get treated. I was told XXXX XXXX is the person on the top of the Mortgage section, but she will NOT return our calls, we leave her messages, when we do get a hold of her, she says she 'll call back but does n't. No one will help me, this is my only chance of saving my home that is supposed to be left for my kids. I hope I will hear from someone by tomorrow..I 'm sure the President did n't give the banks a Bailout, to treat us citizens this way ..I am begging the bank to take my money but they 're making accuses for not taking it, now that finally took the payments, they 're sitting on it, so my house can go Auction sale on Friday the XXXX. So I am getting the run around by Wells Fargo, and they will Not tell me who they 're waiting on to continue with the case.. Please help I can be reached at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I drafted a letter to Experian entitled Validation of Debt request. USPS Mailing No : EJ XXXX XXXX XXXX US which was delivered on XX/XX/2020. 

Experian is reporting a Inaccurate Account entitled : XXXX XXXXXXXX XXXX  which seems to be an eviction. Which is not my account. Experian did not respond within 30 days so I personally called Experian on XX/XX/2020 ( conformation of call number : XXXX ). The customer service rep that I spoke with stated that even though it had been well over 30 days they did not have any update on the investigation I opened for XXXX XXXX XXXX I verbally requested that the account be immediately removed because Experian could not Validate the Account within 30 days. 

On XX/XX/2020 I drafted another letter entitled No Response within 30 Days FCRA 611 ( a ) ( 5 ) USPS Mailing No : XXXX XXXX XXXX XXXX XXXX received by Experian on XX/XX/2020. 

To date, I have not received any letters/results from Experian regarding my letter dated XX/XX/2020 ( the original investigation request ) nor have I received a letter/response for my letter dated XX/XX/2020 asking for the item to be removed due to not being able to validate within 30 days. 

Experian is in violation of the FCRA and could not and still can not validate the debt yet the item is still on my report. 

Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly investigate my XXXX account. It is saying I was late. I was never late. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my Dept of EdXXXX. It is closed and still showing on my credit report duplicate accounts. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX Account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX  account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing my credit report, Equifax did properly investigate my XXXX XXXX account. It is closed and still showing on my credit report duplicate accounts. 

Equifax did not properly investigate my collections accounts. 

Equifax did not properly investigate my XXXX account. I never had a account with them. 

Equifax did not properly investigate my Chapter XXXX account. I never had a Chapter XXXX account.