23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Tuesday XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and spoke with a representative. I found this was regarding my former business with a XXXX account. I explained to the account representative that I wished to settle the account, because I was expecting my income tax refund on the XXXX. We agreed to settle for {$350.00} and dated a post dated check for XX/XX/2019. I wasn't sure if my tax refund would hit my account immediately, so I explained to the rep that if it hits my account sooner I will call and make immediate payment if the payment for the XXXX is deleted. The next day XX/XX/2019, my income tax was deposited into my account with no issues. During my lunch break at work I called XXXX XXXX XXXX XXXX. I spoke with the same rep. I advised payment was good to run immediate, so I gave him a debit card. I asked about deleting the payment for the XXXX because now my debt was satisfied. The rep assured me he did in fact delete the XXXX check, and my balance was settled in full. I asked for a terms letter to be emailed to me for my records, and gave my email address. The rep read an email disclosure and said I would have it over to my email on the XXXX. I never received that letter. XXXX XXXX XXXX XXXX  charged my account twice. Once via debit card and once via check. I called to resolve it and I was told there were no managers in that could help me. I was placed on a long hold and eventually hung up on. I called XXXX XXXX XXXX XXXX maybe 10 times to try and get a resolution, and the phone just kept ringing. I eventually contacted my bank to dispute the charges.
Product: Vehicle loan or lease

I am submitting this complaint myself NOT a third party. There has been multiple violations inside of my consumer credit contract with Exeter Finance. I signed a Contract with the failure of general disclosures which are a requirement pursuant 12 CFR 1026.17 and is a violation. They are denying me of my rights and accused me of sending fraudulent documents which aren't true. I expressed my concern regarding a billing error but they did not send me documentary evidence in accordance with 15 USC 44 which MUST be provided to clarify and resolve the error. 15 USC 44 reads Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate records, and without all of those the error is unable to be resolved. Exeter Finance has not put the account on hold from collection of payment pursuant 12 CFR 1026.13d ( 1 ) which reads Consumers right to withhold disputed amount ; collection action prohibited. The consumer need not to pay ( and creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). Also 12 CFR 1026.13d ( 2 ) states Adverse credit reports prohibited. According to their contract they comply with Truth In Lending Act but have violated multiple sections that falls under it. I did not receive rescission forms or a disclosure regarding me of that right which I sent notice to exercise that right and rescind the contract via registered mail. It is my understanding that when I exercise that right pursuant 15 usc 1635 they must return money or property following.
Product: Credit reporting or other personal consumer reports

I do not have a contract with LVNV Funding LLC and do not owe the alleged {$760.00}. I demand a validation of debt as well as well as proof of permissible purpose, I never gave them written permission or any consent to report anything on my consumer report. No consent is fraud 15 USC 1681b. I am not participating in the collection of this debt therefore they are furnishing deceptive forms, Cease And Desist immediately, 15 US Code 1692j. Please remove this account immediately. Thank you
Product: Credit reporting

I had a tax lien that was released in XXXX of 2015. As instructed by my state tax commission, I mailed a copy of the satisfaction letter to all XXXX credit reporting agencies on XXXX XXXX, 2015. XXXX & XXXX removed the lean within days of the letter receipt, but Equifax has yet to remove the lean from my credit file after several additional attempts to dispute the tax lien via their online dispute system, USPS mail, & fax. I am beginning to get frustrated as this is negatively affecting my overall credit.
Product: Payday loan, title loan, personal loan, or advance loan

Explained in my report attached. I want it removed!!!!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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

There was nothing to explain further. I have been sending letters to Equifax for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED FROM MY CREDIT REPORT XXXX XXXX ( this account is being reported multiple times! ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : XXXX XXXX, Chapter XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with unrecognized addresses on my credit report I need removed. 
My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. 
My DOB is XXXX my SS # XXXX. The following addresses are not known and need to be deleted asap : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX   XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have no ideal how these addresses became associated with me or my credit file!
Product: Student loan

About XXXX of XXXX I submitted a request for a COVID-19 forbearance for my student loan held by NelNet. It was approved and remained in place until about XXXX of XXXX. It was widely reported that student loan payment relief was extended through XX/XX/XXXX. In XX/XX/XXXX, NelNet began to contact me about repayment and it was even a much higher payment than it should have been in relationship to my income-based repayment plan that was approved on XX/XX/XXXX. It was in the $ 700/month range rather than the $ XXXX/month that it should have been. That notwithstanding, my loans should have remained in forbearance as they had been for the previous 7-months or so. Nothing changed and again the relief was extended to XX/XX/XXXX. In about XXXX of XXXX I received notification for XXXX  and XXXX that my NelNet loans were greater than 90-days delinquent ( about a year in total ). I called NelNet and they ended up applying a forbearance that brought my account current, which is now reflected on my credit report, but my credit score dropped from XXXX to XXXX, over XXXX points and that drop is still reflected today.
Product: Checking or savings account

Direct deposits not credited due to technical issue. Still unresolved two days later. Spent over two hours on hold to speak to a representative today who said she was not able to share any information with me about why this technical issue has resulted in direct deposit being held and that it should be fixed today but then retracted that saying she could not provide a time line for a resolution.
Product: Mortgage

When I closed on my mortgage I did not know that if you are backed by FHA that there is not to be any debentures on your mortgage loan. Midland Mortgage acquired my loan and they are in violation of 12 USC 1431 B.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a Repossession and subsequent charge off that was not in accordance with the law. The following was asked for by XXXX XXXX XXXX XXXX and they never responded with the following ; I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506 EFFECT OF ERRORS OR OMISSIONS 9-611 NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612 TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613 CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. They also changed the terms of my auto loan before the repossession without my consent and increased the monthly amount on the vehicle payment.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$6000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$440.00} XXXX XXXX XXXX, XXXXXXXX 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXX Account # 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 instructions.

I also filed an FTC report due to the inaccuracies being reported. I tried contacting these companies and no one is helping me.
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 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 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 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: Payday loan, title loan, personal loan, or advance loan

Informed Expore Credit they can no longer withdrawal funds from my account via email and text. They have continued to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX The above account is not my account. I have reached out to the credit bureaus over XXXX times. They have yet to remove this account or provide me proof. I have no knowledge of this account and it need to be removed from my credit report. This is fraud and is affecting my credit. THIS IS NOT MY ACCOUNT. FRCA states everything should be 100 % accurate, if not it must be removed. REMOVE THE ACCOUNT OFF MY CREDIT.
Product: Consumer Loan

In XXXX 2012 I had a vehicle repossessed, which I had a loan for through PNC Bank. I received no notifications after the vehicle was repossessed as to when the vehicle was resold and the amount it was resold for. This is information as the debtor that I am due to receive according to Ohio law from the creditor. I contacted PNC Bank directly after attempting through my credit reporting agencies to have PNC Bank correct and update the information on my credit report. They have not updated the information correctly on my credit report nor have they sent me the information I requested for a copy of the resale date and amount of resale on this vehicle. I have attempted to work with PNC Bank in correcting this matter, however, they have failed to reply to my requests.
Product: Money transfer, virtual currency, or money service

The scam was made through XXXX account. First a wire transfer from my WellsFargo account to XXXX from there this person was able to transfer all my funds to his account to a dark website which I tried to transfer back to my Wells Fargo account but it was unsuccessful. I filled out a form online given by XXXX after I reported it the fraud. I realized right away something was not right when I check my XXXX  account and my balance was of XXXX USD. Total amount transferred was XXXX which only XXXX USD I was able to get back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED ITEMS TO EXPERIAN AND TO XXXX CARDS XXXX  TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE NOTARIZED DOCUMENT WAS ALSO SENT TO EXPERIAN AND TO XXXX CARDS TO HAVE THE FRAUDULENT ACCOUNT. THE ACCOUNT AND THE CHARGES ARE NOT MINE.I HAVE NEVER OPENED THIS ACCOUNT NEVER MADE ANY CHARGES. NOW AS A CONSUMER I AM REQUESTING TO PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I MA TRYING TO BUY A HOUSE AND THE FRAUDULENT ITEM ON MY CREDIT REPORT IS GIVING ME HARDSHIP. AGAIN I HAVE SENT NOTARIZED ITEMS TO XXXX AND TO EXPERIAN TO SHOW THAT I AM VICTIM OF AN IDENTITY HTEFT, HOW FAR IS THIS TO ME.
Product: Credit card or prepaid card

AMEX is trying to collect on a credit card debt that is not mine and they refuse to send me proof of the application where they claim I took out the card. The card they are referencing was a company card I was authorized to use but was not my debt/card. I have asked for proof this is tied to my social security number and they can't provide me with anything. They are merely linking my name to my personal credit cards with AMEX and trying to pass the debt off as mine.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified these. 

Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX .... 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ....
Product: Mortgage

I have a second mortgage loan ending in XXXX with Wells Fargo Bank , N.A . ( WF ). I received a letter ( attached ) on XXXX XXXX, 2015 regarding this ( in my feeling XXXX preditory loan. The letter stated " During a recent review, we ( WF ) noticed there was an error in the " Year to Date '' summary section on your billing statement. '' The letter goes on to state there is no action required by me ; however no where in the letter does Wells Fargo explain exactly what the " mistake '' was, when it occurred, the amount, etc. They state that prior to XXXX XXXX, 2015 the year to date amounts paid in " Other Charges and Fees '' and " Insurance and/or Taxes. '' There is no explanation as to what " Other Charges and Fees '' or " Insurance and/or Taxes '' are? WF does not pay any funds for insurance or taxes related to my account that is handled by the first mortgage company. They have ignored my requests in the past to give a full explanation of what " Other Charges and Fees '' are? They seem to just put whatever charges on the account and expect me not to question them when they know they are wrong. Is it legal for WF to just put charges on my account without any explanation or site insurance and taxes for the account that they are not involved with nor do they pay? In the past when I have sent correspondence to WF requesting information they have ignored my letters. I am sending the correspondence from them and my response asking for additional information in the hope that they will respond and provide me what I asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called experian twice regarding my credit report and unauthorized hard inquiries as well as addresses listed on my account.   Those items were  XXXX   XXXX   XXXX   XXXX  mo  XXXX   XXXX    XXXX     XXXX    XXXX   XXXX   XXXX  mo  XXXX   XXXX  hard Inquires   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  &  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  ...  XX/XX/XXXX  XX/XX/XXXX    XXXX   XXXX   inquiry.  XX/XX/XXXX As well as an account linked that i would like removed This is not my account and preventing me from establishing a home Credit acceptance-  XXXX  This was placed on my credit report by experian with out recieveing contract to verify. Please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The Experian and XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX, XXXX, PA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within 4 business days, according to section 605C of the FCRA. I would like all listed accounts to be blocked and deleted company information. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00}, XXXXXXXX XXXX  XXXX XXXX $ XXXX {$3600.00}, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX {$2400.00}, XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX XXXX  XXXX {$1700.00} XXXX XXXX XXXX  XXXX XXXX, {$1700.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$920.00}XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a discover card account inaccurately. I asked that they remove the account because it has been reportedly inaccurately for some time which they would say it was accurate. I have my credit report which shows the account reporting differently on both I asked that the account be deleted yet they tried to update the account open information. I ask that th account be removed from my credit report the last time I disputed the account was in XX/XX/2021. XXXX only sends letter verifying the account open day yet no information about close day, last pay. So how has this account been verified or investigated?