23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company continues to violate FDCPA. 

Case number : XXXX Related Case Number : XXXX Please read prior response they submitted to initial complaint. Not only have they not removed this from my credit files, but they continue to confirm this to the credit bureaus. I have confirmed this with XXXX and XXXX as of this date, XXXX/XXXX/2016. 

Company responded : Sentry Recovery and Collections, Inc. said : Explanation of closure Given XXXX claims that the amount assigned for collection was not accurate and the original creditor 's failure to contact Sentry in response to its attempt to investigate XXXX claims, Sentry has closed the debt and returned the account to the original creditor. Sentry will also dismiss the lawsuit that was filed against XXXX XXXX for collection of the debt. Sentry however, remains adamant that there was no FDCPA violation. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Nevada Case Number XXXX Department XXXX Shows this debt is not mine as the case was dismissed. Employees of Sentry Recovery and Collections continue to pose as a " legal '' department at location XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NV XXXX. Employee XXXX, as well as the front desk secretary have used manipulative and threatening tactics stating that the credit files will not be updated until I pay the debt that is proven not to be mine. 

I have proof of contact via phone through billing statements, as well as stopping at the office on XXXX/XXXX/2016 at XXXX XXXX to attempt to get a paper to send to the credit bureaus with the response being that XXXX was " out to lunch '' and then after I said I would wait, that " I need an appointment. ". 

These complaints will be brought forth in response to the illegal activities in the appropriate forum if I do not have proof that this has been removed from my credit file by Monday XXXX/XXXX/2016.
Product: Credit reporting

Negative Credit from Unknown Creditors. 
Spouses name incorrect. 

In correct Credit score ( s ) ( lower then actual score ( s ) )
Product: Debt collection

NOTICED ERRORS AND VIOLATIONS ON MY CONSUMER REPORT AND MADE CREDIT CONTROL SERVICE ( 3RD PARTY DEBT COLLECTOR ) AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. CREDIT CONTROL SERVICE WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 180 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE.

2. CURRENTLY, IT IS BEING FASLELY REPORTED TO THE CREDIT BUREAUS THAT AN AMOUNT OWED OF {$220.00} IS OWED. 

3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF H
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, SC XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX*Balance : {$7900.00}
Product: Credit reporting or other personal consumer reports

.According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual whom it relates. 

This account is totally reporting inaccurate, one Bureau reports paid, last date active, last day reported, last payment status etc. 
This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. Credit Bureaus failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : XXXX XXXX XXXX : XXXX
Product: Credit card or prepaid card

XX/XX/22, I went to XXXX XXXX in XXXX GA to purchase several items. When checking out, the clerk offered the opportunity to apply for a Lowe 's credit card in order to save {$100.00}. I accepted and she completed the application for me. Then she said there was a hold on the application and she called Synchrony Bank to see why. They got info from her and then asked to speak to me. I was told, " in order to prevent identity theft, I needed to go to XXXXXXXX XXXX ( don't remember the x 's ) and answer some questions. I explained that I was standing in a check out lane at XXXX XXXX, She said I could do this on my phone, I went to the website and the instructions were to record 15 second video of myself, take a pic front and back of my license and view a tutorial on all this. I said, again, I'm standing in a check out line I can't do all this here ( not sure how to video myself and upload all this stuff. ) I told her to just withdraw the application. Now I have a hard inquiry on my credit and no card, so it appears I was declined. If they were going to require all that, it should have been asked for, BEFORE they pulled my credit! I would have declined to apply. I'd like the inquiry removed please.
Product: Checking or savings account

TD Bank paid out {$420.00} when there was no money in my account. This cause on overdraft to the account. I finally got a settlement check for {$11000.00} to deposit, so I contact TD to confirm that there would be no issues with me depositing the money. I was told by customer service that as long as the check was brought in and deposited by Monday, XX/XX/XXXX there would be no problems. When I went to the branch on Sunday XX/XX/XXXX to deposit the check I re addressed the concern. I was told not to worry, that the account was good and no further action would be taken on the account now that the deposit check of {$11000.00} was there. I discovered on XX/XX/XXXX that my account was closed and after a full day of trying to figure out what was going on, I was informed that they closed the account, and after they did finally get the deposit cleared they would hold my funds until they di some sort of " investigation '' on the funds, after which they would cut me a check and mail it. I was then called and told that I could come in to get the check if I so chose to. But it would be held as a " cash item '' by the bank until they did this supposed " investigation ''. This money represents everything I had financially. Due to this situation they have created I will loose my home and my car because now I have no money at all to make any payments.
Product: Student loan

ACS Education Services has continuously operated negligently in processing my qualified deferral from the University XXXX XXXX at XXXX that has been submitted and resubmitted on the following days : XXXX XXXX ( fax ), XXXX XXXX ( fax ), XXXX XXXX ( email ). On XXXX XXXX a " XXXX XXXX '' provided me as there were " issues '' with the fax. On XXXX XXXX I received an email confirmation that my deferral was received and that by XXXX XXXX my deferral would be processed and subsequent delinquent credit history restored ( as a direct result of the continued and ceaseless " issues ''. XXXX XXXX no such confirmation for deferral was received. On XXXX XXXX I called again and spoke to a " XXXX '' who notified me that no such information, to any capacity, was every received and to resubmit - again. I notified " XXXX '' that I have so far as received an email confirmation by her colleague, " XXXX '', and upon speaking with her colleague stated that it has in fact been received and would be processed, now, by XXXX XXXX. I requested to receive verification from her supervisor. Upon speaking to her supervisor, " XXXX '', I was asserted that the removal of the negative credit history would be done so by the end of the day. It is now XXXX XXXX and no such action has taken place. This has taken considerable time, has negatively impacted my credit history through an undue and unnecessary time period, has caused extensive burden and borders fraud and malfeasance. I am requesting assistance from CFPB and intervention.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account number XXXX has violating my rights 15 USC 1681 section 602 A states I have a right to privacy and 15 USC 1604A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX {$220.00}
Product: Debt collection

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # 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 an account without my written instruction.

15 U.S.C. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
Product: Mortgage

XXXX XXXX / XXXX / {$270000.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Product: Credit card or prepaid card

Who is TJX? Why is this still on my credit report and not remove completely? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this creditor named on my credit report. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit card

I closed my account with American Express on XX/XX/XXXX. Since that time I did n't receive a single payment reminder through emails which the American Express was used to provide me. During that time, I moved to a new address and suddenly I get a bill of late fees on my account from XX/XX/XXXX to XX/XX/XXXX. I spoke to the customer services and she was able to waive the charges for the month of XX/XX/XXXX but refused to do so for the month of XX/XX/XXXX. I offerred her to pay all the charges until the date of XX/XX/XXXX but she refused and kept insisting that I must pay her {$120.00} including the late fee that was imposed after I closed my account.
Product: Student loan

I have missed payments listed on XXXX student loans. Each time these so called missed payments have appeared on my credit report, I called the loan department to find out what happened as I was signed up for automatic payments. Each time I called, I was told it was an error in their own system and that the missed payments would be removed. Whenever I tried to call back because the late payments were n't removed, I was told to be patient. I have sent a written request to their credit reporting department, which was denied. I have put in a dispute with the credit beaureus, the results state that the item was fixed, but it still has not been fixed. The missed payments are still there.
Product: Checking or savings account

In XX/XX/XXXX, I responded to a Bank of America offer which promised it would deposit {$100.00} in my checking account if I opened the account before XX/XX/XXXX and made two direct deposits of at least {$250.00} within 90 days of opening the account. 

In reliance on that offer, I opened the account via Bank of America 's website and notified my employer ( the XXXX XXXX XXXX ) to pay me by direct deposit into my Bank of America account. On XX/XX/XXXX, my employer made a direct deposit of {$2100.00}. In XX/XX/XXXX, my employer made a second direct deposit of {$2400.00}. Ive attached a screenshot of my bank account information showing the two direct deposits. 

After waiting nearly two months, I called Bank of America on XX/XX/XXXX and asked why I hadn't received the {$100.00} I was promised. At first, I was told the funds would be deposited on XX/XX/XXXX. The Bank of America representative claimed the offer was conditioned on an initial 90-day verification period, plus another 60 days to receive the {$100.00}, for a total of five months. 
When I told the representative the offer said nothing about a 5-month minimum waiting period to receive the bonus ( the offer said {$100.00} would be deposited within 60 days of the second deposit ), I asked her to send me a written explanation, which she would not provide. She said I could make a claim with Bank of America if I hadn't received the {$100.00} by XX/XX/XXXX. When I told her I would like to make a claim now, she put me on hold for several minutes, then said my direct deposits didn't qualify, so I wouldn't be receiving the {$100.00}. 
When I asked her why, she changed her answer again and said the {$100.00} was only available to customers who made direct deposits every single month. Again, I explained that both direct deposits were from my employer and were paychecks. She just repeated I wasn't eligible for the bonus, contrary to what shed said a few minutes earlier about it being deposited by XX/XX/XXXX. It appears I was punished for wanting to make a claim. 
Including being put on hold five separate times, it took nearly an hour for this futile phone call, in which Bank of America refused to honor, and even tried to retroactively change the terms of, its offer.
Product: Vehicle loan or lease

This has been the worst experience ever! The car was delivered on XX/XX/2021, with bad breaks, missing floormats, a malfunctioning sunroof, and broken parts to the windshield. Carvana says they have a 7day guarantee or money back option. I've been attempting to get the windshield fixed since the first week of having the car and Carvana has constantly provided wrong information since I have addressed this concern. I have requested for a manager to call back and I'm still waiting on a return phone call. I'm sure that Carvana knows about the Lemon Law however they don't seem to abide by the Lemon Law regulations since they have failed to inspect the car prior to delivery. Carvana has also given me the runaround for about three weeks with going back and forth with XXXX XXXX ( auto warranty ) knowing that the issue was due to lack of inspecting. The car dealership is expecting a payment of $ XXXX for something that should have been inspected by Carvana . I would NEVER recommend anyone to purchase a vehicle from Carvana. Carvana only wants your money and they do not care about their customers. This seems to be a trend that they have. I know someone personally who has had the same exact challenges as me.
Product: Debt collection

Originally I had an acct with XXXX. XXXX  purchased XXXX. I was not happy with XXXX  's customer service, so I cancelled my services. I did not owe a cancellation fee, as I was out of my contract. ( Verified by phone call. ) I mailed in all of my equipment. I paid my last payment. I do not owe XXXX or XXXX  any money. I have received many notices from XXXX stating that I am owed XXXX from my deposit fee and overpayment of my last bill. I have yet so see that money, and have charged it my list of actually ever receiving it because there is no way of me actually collecting that money from a huge corp such as XXXX   and including such poor customer service. I have attempted to resolve this conflict with XXXX  and XXXX on so many occasions. I continuously get transferred from this person to that person. I have spent literal hours on the phone only to be eventually disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got approved for a loan for Solar installation from XXXX XXXX, via Maryland-based XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. I completed all the paperwork and have been waiting for installation that's been scheduled for XX/XX/XXXX I received an email from XXXX XXXX  on XX/XX/XXXX, stating that they have cancelled my loan. I called the company on XX/XX/XXXX and spoke to someone who identified themself as XXXX. She gave me the following reasons why the loan was cancelled : Documents not signed Proof of ownership verified on XX/XX/XXXX Insufficient credit history Inactivity on the account After each reason, I explained how that did not make sense since that reason did not apply - and explained why and provided the evidence. XXXX then said I have to wait for a letter they mailed to me. I explained that I needed to know now what was happening as my installation is fast approaching. I asked to speak to a manager and she hang up. 

I finally got the letter electronically on Wednesday, XX/XX/XXXX, and it states the loan is cancelled because of insufficient credit history. This is interesting given the loan was approved with my same credit history and a lower credit score back in XX/XX/XXXX. 

At no point before the cancelation notice did I receive any request for from XXXX  or XXXX XXXX XXXX for additional documents or information that I failed to provide. XXXX XXXX  decision to cancel the loan feels off and discriminatory. The reason they provide makes no sense. Please look into this for me. Attached is a copy of my contract with them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX  XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a credit repair person or a company, I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has refused to abide by Federal Reserve Regulations and National Clearinghouse Rules to obtain authorization in order to convert my payment checks to ACH. I filed a complaint with CFPB before, to which the bank responded by letter to me that it would not follow the regulations. I have paid all my credit card bills in whole but the bank has refused to deposit them and has instead reported me owing then, totaling over {$20000.00}, ruining my good credit. I am again filing a new complaint with the CFPB and, considering the bank 's written refusal to abide by the regulations, if the CFPB does not fine the bank at this second complaint when the bank again refuses to abide by the federal regulations I am going to appeal the CFPB decision to the Federal Courts of Appeal and name the CFPB as a defendant, and seek Injunctive Relief and damages. Previous CFPB No. XXXX.
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to an incorrect item on my credit report. It has been well over XXXX  days, and the accounts have not been removed. Experian failed to delete the following items/accounts that are not mine. I have never done business with the banks XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  regarding credit accounts. Failing to comply with US code 1681i. These accounts are not metro to compliant. They should have been deleted for not following the industry standards. Required to maintain maximum, possible accuracy
Product: Credit reporting or other personal consumer reports

I am following up my dispute regarding the discrepancies reported on my credit report. Upon reviewing the information provided, it has become evident that there are numerous inaccuracies and unverified entries that are negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX Employers : EMPLOYED Employers : XXXX XXXX : XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$0.00} Late Payment : XXXX XXXX XX/XX/XXXX {$0.00} Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX