23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A CO call us constantly named PLUS FOUR a collection agency here in XXXX XXXX, NV.XXXX county.Calling me and spouse regarding a debt? they do not mentioned the money owed and to whom.They have threatened us with a legal serving on a specific date Thursday XXXX XXXX 2017, or  to call an unknown number with an account #? We never got served ... nor did we called that number. 
The only money we owned is a medical bill due for {$78.00}. 

Please let us know if you could help us. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I exercised my right to dispute inaccurate information with XXXX and Equifax according to the FCRA. The credit reporting agencies, XXXX and Equifax received my information via certified letter. They utilized my dispute letter as a means to retaliate and/or attempt to punish me by ignoring my dispute, intentionally and deliberately added unreported information to my credit file to cause me a deliberate credit injury of my character and credit worthiness. Here is a list of information that was deliberately and maliciously added to my credit report : XXXX ADDED ON XX/XX/XXXX via File # XXXX XXXX XXXX XXXX MICHIGAN EQUIFAX ADDED ON XX/XX/XXXX XXXX XXXX ACCOUNT TRANSFERRED OR SOLD '' -XXXX XXXX- '' CHARGE '' XXXX NAME OF " XXXX XXXX XXXX XXXX '' after submitting proper documentation XXXX XXXX XXXX XXXX
Product: Credit card

Goldman Sachs bank USA. XXXX XXXX. Got inaccurate information form my XXXX  consumer report without my authorization. They did not notify me of this action. If I were notified before they made a wrongful decision. I wouldve let them no I was in litigation with XXXX and the company that put a collection on my report that was inaccurate. Goldman Sachs made a decision of off inaccurate information. The issue got resolved with XXXX and the company which lead to that collection being closed on my report. This was one of the reasons they lowered it. But it was the first reason. Also they say I have multiple inquiries which is false cause I only have 2. Which was. Another reason
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to Equifax dated XX/XX/18 ( certified mail ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX regarding an inaccuracy in their reporting, regarding entrie ( XXXX ) being reported for a XXXX XXXX and DIMISSED/CLOSED XXXX ( listed twice on my report ). Equifax hasn't responded in a timely manner to my initial letter and have now violated federal law and also have failed to provide me with a copy of any VIABLE EVIDENCE or METHOD OF VERIFICATION. Equifax is in non-compliance by not properly investigating within the required timeframe or marking the items disputed on my credit report. I demand the items be immediately removed from my credit report. Any other action ( or inaction ) on behalf of Equifax may result in smalls claims action.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding significant violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information on my credit reports. I have discovered discrepancies and violations concerning a collection account listed on my credit reports with Experian and XXXX. The account details are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian )/ XXXX XXXX XXXX XXXX XXXX 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 Experian )XXXX XXXX XXXX XXXX XXXX XXXX Disputed by Consumer : Yes, with remarks indicating that the consumer disputes the account information on both Experian and XXXX. 
I am bringing to your attention the following discrepancies and FCRA violations : * The original creditor is listed differently on Experian and XXXX, which leads to confusion and inaccurate reporting. 
* The account status is reported differently on Experian and XXXX, potentially misrepresenting my creditworthiness. 
* Experian reports that the last status update was in XX/XX/2018, indicating a lack of recent reporting activity, while XXXX does not provide this information. 
* Both Experian and XXXX state that the account information is disputed by the consumer, yet the disputes have not been resolved within the required timeframe, as mandated by the FCRA. 
I demand that the Consumer Financial Protection Bureau investigate these discrepancies and violations promptly. Furthermore, I demand the immediate removal of the collection account from all major credit bureaus if the inaccuracies can not be verified. This action is necessary to rectify the violations and ensure the accuracy of my credit reports. 
Thank you for your attention to this matter. I expect a swift resolution and the correction of my credit reports in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two late delinquencies showing on my XXXX XXXX XXXX Credit card in XXXX and XX/XX/2019. This card has been set on auto payments for years. The minimum amount due increased and we were not notified as well as the payment did not auto adjust to the new amount as it should have per XXXX. 

Both times we spoke with XXXX XXXX XXXX on multiple occasions and they agreed that the error was on their side and not mine. They acknowledged that the payment was still made on time per our auto payment but it was for the incorrect amount and that their system should have adjusted the payment to the correct amount since it increased. I have never had a missed or late payment on this account. 

After speaking with multiple people as well as managers at the company they said this should have been removed from my credit and corrected since the error was on their side. We still haven't been able to remedy this with them.
Product: Credit reporting or other personal consumer reports

I never signed up for capital one and someone committed fraud with my identity and they told me I had to wait 90 days for it to come off of my credit report, but It has not yet come off of my credit report and I have not used capital one to open up any credit cards, it dinged my credit score by a XXXX XXXX XXXX and XXXX and all credit bureaus by a few points and was never came off.
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed a dispute towards the incorrect information on my credit report & it has been well over 30 days. I have not received any investigation results.
Product: Debt collection

This complaint is based on violations of the FDCPA by this debt collector, Convergent Outsourcing ( Convergent ). 

___ On XX/XX/2020, I reviewed my credit reports and saw a collection account reported by this debt collector. I was never aware of this account so I had no opportunity to dispute the debt until this point. 

___ On XX/XX/2020, I disputed the debt directly with this debt collector by certified mail. I asked them to validate the debt. 

___ XX/XX/2020, I disputed the account thru the credit reporting agencies. 

___ On XX/XX/2020, this debt collector verified the account to XXXX, before they validated the debt.

___ On XX/XX/2020, this debt collector verified the account to XXXX, before they validated the debt.

___ On XX/XX/2020, this debt collector mailed me their purported validation of debt. However, they falsely back-dated their letter inside that envelope as if that letter was written/mailed on XX/XX/XXXX ( before they " verified '' the account to the credit bureaus ). I have attached a copy of the envelope which was stamped by the US Postal Service proving this was mailed XX/XX/XXXX, no where near the date of XX/XX/XXXX. I have also attached their falsely back-dated cover letter.

___ This debt collector falsely back-dated their letter to conceal their  illegal behavior of verifying the account to the credit bureaus before they validated the debt. 

___Based on the aforementioned facts ( and supported by the attached proof ), Convergent engaged in following violations of the Fair Debt Collections Practices Act : ___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the debt by verifying/updating the account to the credit bureaus before it was validated. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ).

___ ( b ) Violation of the FDCPA 15 USC 1692e ( 10 ) in that they employed false or deceptive means to collect a debt when they falsely back-dated their letter.

___ ( c ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt when they falsely back-dated their letter.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card

Disputed errors in account, they failed to verify correct amounts. Discover file court document and I had to file response to court. Court dismissed dispute XX/XX/year> this item should therefore be removed
Product: Credit card or prepaid card

Someone applied for unemployment benefits using my name and SSN and it appears they were successful in receiving funds. I have a full time job and have never requested unemployment. I received a U.S. Bank ReliaCard in the mail on XX/XX/XXXX that was never requested or signed up for ... I called the company multiple times to try and close the account but have not been able to get in contact with anyone after hours of being on hold. I need to report this fraud and close the account but it's impossible to get any assistance from U.S. Bank ReliaCard.
Product: Money transfer, virtual currency, or money service

Titlemax agents did not present me with the entire contract on XX/XX/XXXX. The agent hid pages on a tablet on the wall while portions of the contract were concealed on a desktop computer that was only visible to the agent. There was no mutual understanding or a meeting of the minds due to the unlicensed agent employee of Titlemax hid while leading me to believe that he displayed all the pages of the contract on the tablet that was visible to me. Which he did not. In addition to other pages, I was never presented the signature page of the contract along with other pages. The original copy I was given after all business had been conducted and I was leaving the location I asked for a copy of the contract. The agent printed a copy and gave it to me. My original contract provided by XXXX XXXX, I learned later was not signed by me or anyone else on XX/XX/2022. 

But somehow title Max is presenting a signed agreement that I can only assume is a forged signature electronically copied from another page and posted on the signature line.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX - US DEPT. OF EDUCATIONXXXX Account Number : XXXX XXXX - XXXX XXXX XXXX XXXX Account Number : 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: Prepaid card

My card was stolen, and charges was made on my account without my knowledge or permission. I filed a dispute with PayPal Prepaid, and I was told to write a letter requesting a provisional credit within 10 business days. I wrote the letter and also submitted a police report. It has been over 10 business days and I still have not heard anything back.
Product: Money transfer, virtual currency, or money service

Nothing happens with XXXX XXXX and Google cause there is not a way to get cash app and Google you can't talk to them XXXX XXXX XXXX XXXX and Google wallet was never given permission that l aware of to take part of my money. XXXX owed me well over XXXX dollars plus a some very small investment and possibly a small amount of XXXX too. I want all my money back under my social security number from XXXX .and XXXX XXXX. They shouldn't be allowed to just run rampage on people they are crooks bottom line. I think that they both are crooks of the highest order and frankly lam tired of jacking with them both.. My social security number is XXXX. The missing x= three in my social security number and l demand these two ( well these two to start with ) I'll put it like that cause I've got @ least 7 or 8 more l want complaints filed on but these two crooks l want first and far most. You can them them this is way IAM gon na deal with them from now on so here we go.
Product: Checking or savings account

MARCUS FROM GOLDMAN SACHS DELAYING ON MAKING A TRANSFER OUT FROM SAVINGS ACCOUNT Having opened a savings account with Marcus from Goldman Sachs without any fixed-term deposit periods, I attempted to transfer money out to my different institution checking account after close to 3 months. 
The first transfer request of {$3000.00} was made on XX/XX/XXXX through online banking with a 1-3 business day wait. 
This transfer was reversed on XX/XX/XXXX, but without any notification. 
Logging on on XX/XX/XXXX, seeing it was reversed I used the online " chat '' function to learn the error was mine, I had initiated a transfer to an account that I had closed. 
On XX/XX/XXXX, I linked a new external account to Marcus ( my personal checking account with the same external institution as prior ) initiated a transfer request for {$4000.00}. 
On XX/XX/XXXX, I received a phone call from an agent at Marcus, who wanted to know before she could authorize the transfer, what my savings goals were, and what the funds were being used for ( purchase, vacation ), as I had not had the account open for very long. This was not a money laundering security question. The agent confirmed the transfer and that it would take 1-3 business days. 
On XX/XX/XXXX, noticing the funds were not in the external institution account, I checked on the transfer by logging in to Marcus and saw that the transfer had been reversed on XX/XX/XXXX without explanation. I used the online chat function to be told I needed to call. I called Marcus, and it took the agent 45 minutes to ascertain that the transfer had not been initiated because my account needed a review, which could take 2-3 business days. If I had not heard from them in that time to give a call back. At this point it just appeared that Marcus did not want to make the transfer. Alternatively, the agent said she could send a check that could take 7-10 business days to arrive. I did not trust the institution to do this, but it appeared to be another delaying tactic for making the transfer. 
However, on this same call of XX/XX/XXXX, I therefore asked for the account to be closed. I was told that the account will be closed today, and a check with interest would be issued and take 7-10 business days to arrive. I have not, as yet, receive any notification by email that the account has been closed, and it is still available to me online.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reported correctly.

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: Mortgage

XX/XX/XXXX I was forced to sign a promissory note that required I pay a reduced debt of {$26000.00} at XXXX month no interest so that a short sale on my property could be completed and my XXXX clearance as a XXXX XXXX in XXXX XXXX XXXX , would not be in jeopardy. The property sold for {$280000.00} but the original purchase price in XX/XX/XXXX was {$400000.00}. I had a XXXX XXXX arm loan originally with XXXX good until XXXX but soon after the loan was transferred to XXXX XXXX XXXX during the financial crisis. In XXXX I refinanced the smaller part of the loan ( XXXX ) with XXXX XXXX to keep the interest rate stable. ( It previously a HELOC with XXXX ) Unfortunately, the market bubble broke in XXXX and the Value of my property plummeted. I made a request in XXXX to XXXX XXXX to reduce my obligation in XXXX but I was informed that I must continue to pay this debt monthly and if I were to default I would be held responsible for {$73000.00}. I have been paying on time since the XX/XX/XXXX. This practice of denying Short-sales and requiring customers to sign promissory notes was banned after XXXX. I have email and letter communications from XXXX XXXX XXXX XXXX, XXXX XXXX, that state he would not alter the amount owed on my credit report to reflect this lesser amount owed. My other complaint is that XXXX XXXX received Bailout Monies in XXXX XXXX and XXXX which never had to be repaid according to XXXX. The soldiers and sailors relief act would not protect me as I was commissioned in XXXX XXXX XXXX at the time. I feel that the timing of my situation made me fall into a, predatory gap which allowed XXXX XXXX to take advantage of me. I hope that you can assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires and a XXXX XXXX account that I did not authorize or give consent that is being furnished on all credit reporting agency reports.
Product: Debt collection

NATIONWIDE RECOVERY XXXX XXXX XXXX # XXXX XXXX Ga XXXX has been sending me collection notices in the amount of {$810.00} XX/XX/2021.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my constitutional rights. 

15.U.S.C. 1681 section 602A ( States ) I have the right to my privacy.

15.U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency, can not furnish my account without my written instructions.
Product: Debt collection

Hi CAINE & WEINER ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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 collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.