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

I recently reviewed my credit report from the credit bureaus. Unfortunately, I saw that you have recently begun to report me 90 days late on this account. what is not belong to me. 

Also, I saw some collection that was on there. It says that I owe you guys a lot of money but, I dont know what its for. My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Product: Debt collection

OPTIMUM OUTCOMES sent me a letter on XX/XX/2021 regarding a medical debt that is not mine. They not only violated me because I never gave them consent to contact me. However, they are collecting on a debt that is lawfully not mine. I have no lawful contract to pay them or ever done any business with this private entity. So them contacting me on a debt is not mine is harassment. I am filing this complaint to make sure my demands are met in my letter as well as payment is sent to me in a form of a check for said violations of federal lawsuit will be filed.
Product: Credit reporting or other personal consumer reports

I called Trans Union on XX/XX/2024. At XXXX. Note this is not the first time. They keep getting accounts confused and subsequently some of her accounts are not mine account. In the past I have to address this with TransUnion letting them to check the social security number and they will see it's not mine. 

Today, XX/XX/2024 I called again Trans Union because there is an inquiry by XXXX contact number XXXX. Trans Union stated there is nothing they could do and that I had to call XXXX. I then called XXXX and was transferred around, each department stated they had no accounts, or no accounts attempted to be opened under my social security number, name or date of birth. I requested a letter stating that and they refused stating it was not their mistake but TransUnion. Therefore, they requested I contact TransUnion. I then called Trans Union again. The representative stated I just had to live with it and deal with it for two years. I reported that TransUnion is the only one that does this, and I have to repeatedly be calling in for removals or corrections. The representative stated sorry I can't transfer you to the fraud department and you'll just have to deal with it. I need that inquiry removed from TransUnion for XXXX as I did not request that service or apply for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was purchased from XXXX by Shellpoint Mortgage Service. XXXX correctly posted my payments made each month. I contacted Shellpoint and they stated that my credit report would be updated to reflect my payments made which I have made on time since the loan was purchased. I disputed the wrong information and  on XX/XX/2020 Shellpoint admitted the information was incorrect and would be corrected. To date, my credit report reflects that no payment has been made on this loan. Additionally, I have been requesting a payoff quote for months and have never received it. Please help! The company makes promises to do take action but hasn't delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE IN VIOLATION!!!!! 

EQUIFAX is furnishing a unauthorized inquiry on my reputation that i have disputed in 2021 and they have not verified accuracy in a timely manner and proper manner according to the FCRA guidelines and have not performed their Grave responsibilities in confirming accuracy under the FCRA. They claim they have investigated my claim but in fact DID NOT and are in violation of 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction whis states they may investigate ONLY! through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '' I want to know which personal interview they have conducted. 
Pursuent to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate to me. EQUIFAX is allowing inaccuracies to be furnished on my consumer report. This act of XXXX XXXX has caused me to lose confidence in the banking system and as a result i will no longer be extending my credit as the original creditor and consumer to anyone nor will i allow you to furnish a report on my behalf as a result. If you wish to do and continue to do business with me i am demanding you do what i say. I seek for deletion of said disputed item ( XXXX XXXX XX/XX/2021 ) and paid remedy for damages under 15 USC 1681n and 15 USC 1681o for the total sum of {$8000.00} with additional violation under 15 USC 1681 inaccurate procedure of report investigation.. 
Pursuent15 U.S. Code 1681 ( 2 ) ( 3 ) - Congressional findings and statement of purpose EQUIFAX Is a Elaborate Mechanism who Assumed its roll collecting my information against my concent and right to privacy, Once again they have violated me under -1-. 15 USC 1681 -2-. 15 USCode 1681b ( 2 ) -3-. 15 USCode 1681e -4-.15 USCode 1681i -5-. 15 USCode 1681c ( 5 ) -6-. 15 USCode 1681s2 -7-. 15 USCode 1692j -8-. 15 U.S. Code 1692j
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$8900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$34000.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$300.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am filing this complaint against Credit Control , LLC, a debt collection agency, for their failure to validate two debts they claim I owe to XXXX XXXX XXXXXXXX, as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 

Despite my formal validation request, Credit Control responded that they could not validate the debts and confirmed they no longer manage the accounts. This failure to validate violates the FDCPA and has resulted in unverifiable information being reported to the credit bureaus, causing ongoing harm to my credit history, in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 

Details of the Complaint Debt Validation Request : On XX/XX/year>, I sent a formal debt validation request to Credit Control , LLC via certified mail. My request, sent within the 30-day period allowed under the FDCPA, specifically asked for : The name and address of the original creditor. 
Documentation demonstrating the transfer and chain of custody of the debt. 
The date of default and delinquency. 
A detailed breakdown of charges, interest, and payments. 
Confirmation of compliance with the statute of limitations. 
Proof of their authority to collect in Illinois. 
Inadequate Response : On XX/XX/year>, Credit Control responded, stating that they could not validate the debts associated with accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX because they no longer manage the accounts. 
Violation of the FDCPA : Under 15 U.S.C. 1692g ( b ), Credit Control was required to cease all collection activities and provide validation upon my request. Their inability to validate these debts demonstrates non-compliance with this law.

Violation of the FCRA : Despite their inability to validate the debts, Credit Control allowed these unverifiable debts to remain reported to the credit bureaus ( XXXX, XXXX, XXXX ). The FCRA prohibits reporting inaccurate or unverifiable information on a consumer 's credit report. 
Negative Impact on My Credit : These unverifiable debts continue to harm my credit history, negatively impacting my credit score and my ability to obtain credit under fair terms.

Credit Control , LLC has failed to comply with the FDCPA by not validating the debts and with the FCRA by allowing unverifiable information to remain on my credit report. I request the CFPBs intervention to ensure the removal of these debts from my credit history and to hold Credit Control accountable for their actions. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got loan was paying on loan and lost hours due to a fire at a customer. I talked with the loan company and they started a garnishment and paid thru payroll. Loan is paid in full and I found out she didnt send to circuit court that is was paid until after a year later. I had to call the regional Vice President to get him to call and have them fax documents to courts. I asked for a good will delete and I cant get anywhere with that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was subjected to Credit Karma 's false pre-approval claims to credit card companies. How do I go about signing up to be a part of the lawsuit?
Product: Student loan

I have had student loans since 2000. It has been a struggle to pay them. My interest has racked up making it double what I initially owed. {$35000.00} loans are now {$70000.00}! Even during the pandemic XXXX calls constantly. They never allowed me to not make payments even though it was a federal mandate for all student loan borrowers. The debt is overwhelming and I don't agree with all of the fees they keep assessing on these loans. I'm not sure how to proceed with this or what to do. They are nasty to talk to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion gives out 2 different credit scores, one to the lenders who make inquiries and the other to XXXX XXXX. 
I recently tried to apply for a credit card and they indicated that my credit score was to low. 
But when I checked on XXXX XXXX was score was higher, I am in the process of getting my scores back up and not getting approved for credit building cards is not helping much. 
I also have asked for a removal of the collection accounts by XXXX XXXX  due to in fact they no longer own the loan and is being handled by XXXX XXXX, but to this date they have failed to do so.
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, 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. 



In accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Macy 's automated system informed me on XX/XX/year>2024 that I was paying my balance in full ( XXXX ). Come to find out after my credit score suddenly goes down that I have " missed '' a payment for the first time in my life. I went back to Macy 's online and found that I owed XXXX. After arguing with the automated system to get a human on the phone, pressing XXXX a bunch of times, and finally getting a human person to talk to, I asked how this was possible given that I had made a payment on XX/XX/year>2024. They said I had made a minimum payment, not paid the full balance. I am 100 % sure I made a payment in full as this is what I have done for 15 years every time I've paid on a credit card. They then charged me a ridiculous number of fees and interest. I made a payment in full of XXXX today, XX/XX/year>2024, and cancelled my card because on top of this, Macy 's just upped their interest rate to nearly 35 %, which is usurious and not what I agreed to. Yet, this cancellation will now reflect negatively on my credit, even though it was Macy 's who took the actions that led me to cancel the card.
Product: Payday loan, title loan, or personal loan

When I first applied on XX/XX/XXXX for this loan with XXXX, I was only looking to get $ XXXX- {$1500.00}. I received a number of emails saying that I was approved upon the company receiving documents from me which was my ID and Social Security card copies. I have paid this loan on time from XX/XX/XXXX of {$240.00} then my payment amount changed to {$290.00} on XX/XX/XXXX and remains the same amount as of today, XX/XX/XXXX. 

The loan amount that XXXX XXXX, Loan Agent, Direct : XXXX, Email : XXXX said I would need to agree to in order to qualify for a loan was in the amount of {$2500.00} for a term of 47 months and this loan carries an interest rate of 135.00 % and an APR of 139.12 %. 

As of today, XX/XX/XXXX my payoff amount is {$2700.00}. This is the pay off amount even after making every single payment on time since XX/XX/XXXX, but my XXXX Settlement Contract shows today XX/XX/XXXX would be my 24th payment on this loan at the monthly payment amount of {$290.00} and {$20.00} going towards the principle and {$270.00} going towards the interest of the loan with a payoff amount of {$2400.00}. My settlement principle payments are not being applied to my loan as the XXXX states in the Settlement Contract which violates the contract. I was told I HAD CONNECT MY BANK ACCOUNT for automatic payments. 

I feel very scammed and seriously taken abuse of. XXXX sent me a copy of my credit report on XX/XX/XXXX at XXXX PST before distributing the funds to my bank, so they could clearly see ( 38 - SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED, 19 - TOO FEW ACCOUNTS RATED CURRENT. 15 - INSUFFICIENT OR LACK OF BANK REVOLVING ACCOUNT INFORMATION. ) XXXX also sent me a Risk Based Pricing Notice on XX/XX/XXXX at XXXX XXXX PST that did not explain or show me anything pertaining to me having to pay higher amounts or stipulations because of my credit score. The email only stated information from XXXX that stated " What should you know about your credit score. '' I am unsettled with the reason XXXX   provided/approved/extended a loan offer to me with such unreasonable stipulations. By XXXX reviewing my credit history they could clearly see that I would be unable to pay this loan off even as I make my monthly payments on time at the amount that they have set. 

I believe that I was racially targeted and being a low-income individual with very poor credit made me a target for in-proper finance terms. I was unemployed at the time I applied but was advised by XXXX XXXX XXXX that he would use my previous employment information to qualify me for the loan after I explained to him that the loan was very much needed for emergency purposes. I should not have been approved for this loan unless the Lenders purpose for extending/offering the loan to me was purposely unethical and illegal financial benefits for the Lenders purpose and gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Employers : XXXX XXXX XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Comenity Bank took over the XXXX XXXX card from XXXX  XXXX XXXX. There are now charges that read " XXXX XXXX XXXX  '' in my transactions. They sent an email that said that the the XXXX XXXX XXXX will be explained on the statement showing what vendor they came from. And that they were from PRIOR purchases made on the original card that the original card holder hadn't disclosed the vendors yet. 
Well, when I log into my account, it shows XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXXY XXXX OH {$25.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX OH {$66.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX OH {$57.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX OH {$20.00} Here 's the challenge. 1. ALL previous transactions transferred over and listed okay. 2. When I look at my corresponding transactions on the originall XXXX XXXX XXXX XXXXXXXX account there are NO matching transactions. Not only that the last transaction from the XXXX XXXX  XXXX XXXX was from XX/XX/XXXX. And Comenity went live on XX/XX/XXXX. So what are the charges from XX/XX/XXXX & XX/XX/XXXX? 

There only answer is that they are working on it? They have no discernable way to disclose the needed information that I need to discern if I made those purchases or not.
Product: Credit card or prepaid card

I paid my indigo Mastercard off in full. When I got my statement in the mail, I saw charges from a company on there of XXXX dollars and some change. I did not make these charges and I'm not paying this. The card co said they were gon na send me another card with a different account since this one has been hacked in which I have not received. I'm not paying this
Product: Money transfer, virtual currency, or money service

There were a few instances where I sent money through Zelle for it to be sent to the wrong person.. when I tried to get it resolved I was told there was nothing that could be done about it and it was my fault. The payment transfers would still be pending and I couldnt stop the payment or get the money back
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan with Santander Bank. My application was a joint application with my wife XXXX.The loan was approved -- I used the proceeds to pay off another loan. I set up automatic on-line payments -- and made more than the minimum required payments.

I then later attempted to satisfy this Santander loan with the proceeds of a Heloc loan with another lender. I hand-delivered the payoff check to a Santander Bank branch in XXXX, NY. 
The clerk at the local branch refused to accept the payoff check. When I questioned him as to the reason for this he said the account was NOT in my name. I pointed out that the check was made payable to Santander Bank and the account I was paying off was a joint account with my wife. He said he could not disclose whose name the account was in! I guessed my wife 's name and he confirmed this. He said only my wife could present this payoff check!! She was not with me and I drove about an hour to this branch from my home -- it was the nearest branch -- beside ATM 's the the bank has on XXXX XXXX. 
The same day I called the bank and after several long waits, after being switched several times, I could not get an explanation as to why the check was not accepted and -- just as importantly -- why this account was in my wifesname alone!! I was told tomail the check in and I was given a very precise address to send the check. I did this the next day, followed up several times both on-line and on the phone. The check has still not been applied to the account after two weeks, the bank has no record of my numerous calls and complaints, there has been no explanation of how any why my name was excluded from this account, and there is no reasonable explanation from the bank for any of these issues. As of today, XXXX XXXX the account has still not been paid off.
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 right to privacy and confidentiality under 15 U.S.C. 1681. 

XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX The following accounts have violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 605 A Section 2. States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( A ) ( 5 ). States no consumer reporting agency may make any consumer report containing any of the following. Any other adverse items 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 ). States 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.