23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please see the attached dispute letter that was sent to your agency 2 months ago. You have failed to complete an investigation into the accounts mentioned in the dispute letter. There are 3 accounts reporting on my credit report that has no record of when the account was opened. How is this complete and accurate information if I can not fact check an account that you are reporting to my credit report. It has been well over 60 days since I sent your company a letter and these unverified accounts are still reporting. XXXX and XXXX have removed this account. I am demanding the following accounts to be removed within 7 days due to negligence and many FCRA violations : XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

This is in regards to my original complaint, dated XX/XX/2023. Complaint number : XXXX. NOBODY IS READING MY ACTUAL COMPLAINT. I received XXXX letters from XXXX Bank denying my claim because the transactions posted successfully as I had initially requested. The issue is that I paid for services from a contractor that I have not received. I am writing this complaint to once again explain that I have paid a contractor for services not rendered. At the direction of the contractor, I did not pay him directly - I paid someone who he claimed is his wife. The contractor refused to provide vital pieces of information about his business after failing to perform services as agreed. I have paid XXXX XXXX at the direction of XXXX XXXX, owner of XXXX XXXX. XXXX was supposed to perform services after receiving a sum of {$1700.00}. He confirmed receipt of the funds and failed to begin the job as agreed. I would like an actual human being to read and understand what has been explained in plain XXXX. This is not about whether or not the money transfer was successful - This is about theft and failure to perform services as agreed. If someone needs this further explained, and if required by US Bank I will gladly provide several text messages from both XXXX XXXX, the contractor and myself to confirm the information I have provided is correct. I have been defrauded and I would appreciate my money back as I would like to be made whole. How a bank that is supposed to protect customer funds would allow this kind of thing to continue to go on is beyond me. Please return my money.
Product: Student loan

I have attempted to contact Aidvantage on nine separate occasions to get information regarding my loan and why my monthly payments were adjusted. I sent two emails that I never received a response from, spent 3+ hours on the phone over the course of two calls where I was hung up on the first one, and then the second call I was promised an investigation and response within three business days along with a terms sheet for their offer of lowering my monthly payment. I was not contacted again, and called a week after three times and each of those calls were disconnected by Aidvantage before I could even speak to someone. I got a response to my first complaint claiming I was informed my monthly payments were adjusted, but they have provided no evidence of that nor have they provided the requested terms sheet for the offered lower monthly payments. When I attempted to contact Aidvantage to speak to them about their response, using both phone numbers they provided in their complaint, it said their offices were closed despite the fact their own website says they are open until XXXX today and it is only XXXX. I am requesting to be provided evidence I was informed my monthly payments were changed, as well as the terms sheet on what exactly I would be agreeing to with the offered lower monthly payment. Until received I will not be making payments, and since Aidvantage is unable to properly service my loans if they negatively report to the credit bureaus I will be pursuing legal action for violation of the FCRA and FDCPA.
Product: Debt collection

GM Financial, called my mother over and over again, I have written sworn statements from her that I will be using in court since they are trying to sue me. She repeatedly told them to stop calling her and any information that they needed would have to come from me. So they were calling her asking her do so know where the car was, and I was behind in my payments. What 's sad is they went to the measure to tell her that they would give her XXXX XXXX dollars if she told them where the car was. Now remind you my mother is sick and this was happening every single time they called her. Next, the repo man knocked at my door and my family member answered the door and told him the car was n't here then he told her well they going to sue her and start garnishment of her checks. she told him they have to do what they have to do cause it 's not here and plus she do n't work. I just think it 's sad for any company or someone working for the company to tell people in detail your business. I have people coming to court with me to tell the judge what was going on. So I gave the car back and it 's not like the car had to be towed from my house. The repo man drove it away the car was never damage or in accident so tell me how you sell a car for XXXX that 's being reported on there papers. But I have another paper stating that they sold the car for XXXX But XXXX went to the car to make it seem like I made a payment so they could keep it on my report longer I ca n't wait to go to court. I even asked for a payment history and they sent me payments history from XXXX till XXXX mind you I had the car since XXXX Then they sent me paper work with XXXX different amounts for repossession fees for XXXX on one paper XXXX on another paper,XXXX On another paper really which one is it. Then there is a assignment contract which requires Ameri credit and the car company to sign for this to be legal only the car palce sign the letter, which it states that dealer-seller and Americredit must initial well Americredit never signed it at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 6 months I had disputed XXXX collection on my three reports to being told verified. The first I disputed, second I asked for VALIDATION and third factual. I never once I got a validation from not one of these companies. If they would of actually validated this debt, they would learn it is NOT MY DEBT. You cant report something that is not mine in the first place! Second I am per consumer rights have the right for fair, true and accurate reporting. Not only is this not my account but it is being reported with different amounts. I am attaching proof to this.

Being I wrote to companies THREE times now and still have no proof of validation or even a investigation on their part other than the e-Oscar system I am requesting a IMMEDIATE DELETION. 

The law states a company must have a contract with my original signature on their letterhead with what I owe to be reported. I do NOT owe XXXX. PLUS ITS PAST XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I acquired a debt with Toyota Motor Credit Corporation for the purchase of a XXXX XXXX vehicle. In XX/XX/XXXX, I decided to voluntarily return the vehicle to Toyota Motor Credit Corporation. After this, I was contacted by the XXXX XXXX XXXX XXXX Collection Agency to make me pay the rest of the debt, which according to them was {$3100.00}.

It is important to mention that the principal debt for the vehicle at the time of purchase was {$33000.00}. 
I paid XXXX {$10000.00} as a down payment. Then XXXX monthly payments of {$600.00} ( {$2600.00} to the principal debt ). The vehicle was later sold by XXXX for {$30000.00} in XX/XX/XXXX. However, I ended up paying the XXXX XXXX debt collection agency an amount of {$1700.00} and they are still charging me through another collection agency called XXXX XXXX XXXX XXXX. 

Nearly {$47000.00} has already been paid for the same vehicle.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX 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

COMPANY AT FAULT : XXXX XXXX XXXX XXXX THIS COMPANY HAS REPORTED NEGATIVE INACCURATE INFORMATION ON MY CREDIT REPORTS. IT HAS CAUSE SEVERE HARM TO MY CREDIT SCORE AND IMAGE. 
I HAVE SPOKEN TO THIS COMPANY PREVIOUSLY AND EXPLAIN TO THEM THAT THEY HAVE NO RIGHT TO REPORT ANYTHING ON MY REPORT. 
THEY ARE APPARENTLY PURCHASED A PACK OF DEBT, AND HAVE BEEN HARRASSING ME WITH CALLS DESPITE I TOLD THEM THE DEBT THEY ARE TRYING TO COLLECT ON WAS DISCHARGE IN XX/XX/2020 THROUGH XXXX XXXX  BANKRUPCY COURT. 
I HAVE TOLD THEM THAT " XXXX " THE COMPANY THEY TRYING TO HARRASS ME ABOUT WAS AT COURT AND THEY DEBT WAS {$00.00} DISCHARGED AND SHOWS ON MY CREDIT PROFILE AS XXXX XXXX  ALREADY NOW THIS COMPANY XXXX XXXX XXXX XXXX, HAS ADDED THIS A COLLECTION WHICH THEY SHOULD NOT HAVE. 
ACCT XXXX THEY ARE LISTED AS DEBT BUYER- BUT ON A DEBT CHARGES OFF IN XXXX XXXXXXXX XXXX I MAILED THEM COPIES AND DESPITE THEY ARE ADDING THIS TO MY CREDIT REPORTS, THEN REMOVE IT AND NOW HAVE ADDED IT BACK ON. 

I HAVE SENT PROOF TO ALL THREE BUREAUS AS WELL, THEY TAKE IT OFF THEN PUT IT BACK AS WELL. NO CONSISTENCY WITH ANYONE AND ITS ILLEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting that I am an authorized user on a Capital One credit card with a high outstanding balance. I am not associated with this card. It is an outstanding balance on {$5500.00}. I have no knowledge of this account. Please delete.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information XXXX XXXX XXXX XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX XXXX  - Not all bureaus are reporting this account the way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report.
Product: Payday loan, title loan, or personal loan

Company attorney claims they have tried to contact me. i have never received anything from them. They are also harassing me while, I am working. I am not allowed to have visitors or calls while at work. They never sent proof or validity of this debt. They claim twice, someone was suppose to come, a man from XXXX   XXXX service to have forms signed. I have never seen such person. I work during the day, no way I am home. Man left a number on my phone, I called that number. The person was not helpful, he was rude, and hung up. He would not listen to me. I kept explaining to him, I am not home to sign a form. He attempted to bully, and scare me saying they will garnish my wages, out a lien on property, and or have a judgement. I have just my income, taking care of my XXXX wife, XXXX   parents, and XXXX teenagers. All my bills are behind. Either we are homeless or pay them. I will choose to keep a roof over my family head, and help my XXXX parents. If in fact this debt is mine. I can't pay what they are asking. The number I called was XXXX. This number says they are representing XXXX. I believe XXXX XXXX XXXX XXXX, OH XXXX is the corporate office at XXXX. They also have a local office in Delaware XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Checking or savings account

i have been banking with compass for many years i retired in XXXX and closed my business account. i left my saving account there i left it as a nest egg .last week i went to compass to close my account. i was told the bank was no longer in bussiness showed the teller my check book and was told this account does not match any account.was i sure i had a account with compass. i gave them my social security number and was told they had no records. they told me to check with the state and i called three times and no money had been sent i call compass and XXXX XXXX answers they can not help me i just want to know who closed that account and what happened to my money. my checking account number isXXXX my account i paid taxes is XXXX.
Product: Credit card or prepaid card

I never opened acccount Wells Fargo attempting to get money from me on something never opened.
Product: Debt collection

XX/XX/year> the creditor charged off my debt in the amount of {$6900.00} and did not furnish me with a 1099c for the charged off amount.
Product: Credit reporting

I recently pulled my credit report from TransUnion and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with TransUnion and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.
Product: Checking or savings account

My checking account was closed back in XXXX without proper notification. I received a digital letter informing me that my account was closed on the XXXX of XXXX but I wasnt notified until the XXXX that it was happening and that it was final. I feel this was very poor business etiquette and this has placed a hardship on my finances. My account was overdrawn for a while at the time but it was still a very manageable balance and I was still receiving VA payments in the account that will show on the last statement that I was getting the overdrawn balance back down.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a balance and negative pay history every month for an account that has an original delinquency date >7 years ago. In addition, this account was included in a chapter XXXX bankruptcy from XXXX and discharged in chapter XXXX bankruptcy on XX/XX/XXXX. The account should be deleted due to its age, but at a minimum it should have been brought current after the most recent bankruptcy and not continuing to report a late payment every month. Equifax replied that they were contacting the furnisher of the info, XXXX replied on the CFPB dispute that it had deleted the account on my reports on XX/XX/XXXX, but it was only fixed on my XXXX and XXXX reports and still remains on equifax. I have notified both Equifax and XXXX and it has been over 30 days with this issue still not resolved.
Product: Debt collection

I received a collection on my XXXX  credit report and I tried to dispute it through XXXX  and by contacting the creditor to no avail. 
The Consumer in question is XXXX XXXX/CBE GROUP for {$43.00} and I have no idea what this is for?
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries was made by the credit inquiries listed below. However, these inquiries was not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been disputing this debt since XX/XX/2023. This debt has negatively impacted my credit for months and nothing is being done. I have contacted the company over and over and nothing is being done. Please help get this removed from my credit.
Product: Credit card or prepaid card

I purchased a carseat last  XXXX  at a Target store using my Redcard ( Target credit card ) for $  XXXX  did not get any statement in my mail box for a month then request to get it through email because i did not want to miss my payment date since i was going to travel abroad.Finally i called to make payment on  XXXX / XXXX / 2017  and told the customer representative that i could not pay online.Payment of the balance   XXXX   XXXX  was processed with no late fees since the due date was  XXXX  2017.I  was shocked to get an email in  XXXX  after 2 months stating that i have a balance of   XXXX   XXXX   I  thought it was a victim of fraud then i called the customer service and find out it was late  fees.The lady  i talked to did not listen to  me.She  told me to pay.I insisted it is an error that i was not notified to pay late fees which i would have payed and asked to close the account. I got another email a couple weeks ago with a balance of   XXXX   XXXX   I  decided to call again last monday to ask what is going on and the representative transferred me to her supervisor.I explained the situation that i called in  XXXX  when i got the email and he told me it is too late to wave the fees.Today balance is    XXXX   XXXX  .You c an check my credit history, i have discipline in my expenses and payments.   Please help me with that issue.   Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me and I have notified each credit bureau these inquiries are due to identity theft. I have sent them numerous letters to address said issue. The inquiries below were not made by ME : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The company reports again a XXXX  XXXX business account which was already verified in the past as a business account and was deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

My record has been dismissed and expunged by a judge in Mississippi. This happened XXXX of 2020. 

Each time I apply for a job, I get a failed background check result under the category Other. There was XXXX charge however it lists multiple times under other statue numbers. It also reports a conviction. That isnt further from true. I wasnt convicted. 

Is keeping me from valuable employment opportunities and causing myself and my family intense stress and anxiety.
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 inaccurate 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 Balance : {$56.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00}
Product: Mortgage

I fell behind on my mortgage payment, I received a letter from Fifth Third bank stating I had until XXXX XXXX, XXXX to pay {$4300.00}. I was approved to take the funds from my XXXX and the paperwork was finalized on XXXX/XXXX/XXXX. Due to the holiday the funds were released to my account on XXXX/XXXX/XXXX. I called the bank to pay the balance owed and found out my loan was sent to the attorney for foreclosure on XXXX/XXXX/XXXX. The day before my loan was to be paid. I called the bank when I was approved from my XXXX company to report the money would be released to me XXXXXXXX business days- they then sent my loan for foreclosure.