23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have asked Trojan Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Vehicle loan or lease

In XXXX, I opened an account with Go Financial which is now XXXX. In XXXX, I went to trade in that vehicle while being promised by XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, OH that the remaining balance from my other carwould be taken care of. XXXX  XXXX paid the balance off, 45+ days late. Now my credit report shows 2 late payments in XXXX and XXXX XXXX from Go Financial because the account was still in my name somehow even after I traded the vehicle in. I have contacted both XXXX and XXXX XXXX dealership to fix this but nothing has come of it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX po box XXXX XXXX, Wisconsin XXXX XXXX the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any.
Product: Credit reporting or other personal consumer reports

EQUIFAX is breaking the consumer law pertaining to : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX I've uploaded documents I need this corrected immediately. This is a violation of my consumer rights. I've lost XXXX XXXX XXXX and mentally stress out.

If this isn't resolved. I will have no choice but to move forward with litigation. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report this evening XX/XX/19 from Experian and I notice that Experian is STILL reporting two invalid addresses. One address where I no longer reside which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. I sent Experian a letter from a notary swearing that I live at my current address and I provided them a copy of a recent utility bill with my name on it. The only address that is a valid address is the address that I am currently residing in and all my credit accounts on my credit reports states that I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX. The other address which is XXXX XXXX XXXX XXXX XXXX, NY XXXX is an invalid address that needs to be remove immediately. As of this writing. I have mailed Experian via Next day mail service another recent copy of my utility bill as well as a notarized letter stating my current valid address via motor vehicles which they will receive by Monday XX/XX/2019. They are requested to sign for the package, so the package has a copy of my drivers licence, a notarized letter and a copy of my utility stating my valid address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. Also just a side note I reached out to XXXX  and XXXX and both of those companies deleted the invalid addresses and only list my current address. Please assist me with having them remove. I also indicated that I will be reaching out to the CFPB with this complaint. Thank you kindly Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and submit a complaint to EQUIFAX regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, EQUIFAX will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tax liens on my Consumer report with LexisNexis, XXXX and XXXX. I have contacted XXXX to disputa all tax liens, XXXX did an investigation and stated in a report the information was provided from LexisNexis and that LexisNexis verified the records as belonging to me. I contacted LexisNexis on XX/XX/XXXX and was told an investigation would be done and results sent to me. XX/XX/XXXX, LexisNexis Consumer Report XXXX case Number XXXX that states the XXXX County Court in Texas, identified the records as belonging to me. There is no identifying information as to a date of birth or social security number other than a name and address. I have again contacted LexisNexis on XX/XX/XXXX and told LexisNexis that XXXX County Texas Court does not report this information to Credit Reporting Agencies as relayed to me in a telephone call on XX/XX/XXXX by a XXXX County Texas Records clerk. I emailed on XX/XX/XXXX a copy of the Tax record to LexisNexis for the their review. Again, I was told that XXXX County Court supplied the information, which XXXX County Court, said " No, we do not report Public Records to any company and all information as to date of birth or social security is redacted. ''
Product: Credit reporting

XXXX collection account is reporting on my credit for a long time. I disputed this account several times and always come back verified. The thing is that I called directly to the agency ( XXXX ) and they are not able to find any account under my name, social security number, addresses, previous phone numbers, date of birth ... All personal identity information was provided and they never found me on their system but still reporting the false and damaging account on my credit as verified and accurate. I requested in writing several times a validation of debt such as signed contract but credit bureau and the creditor never complied. Transunion and XXXX continue reporting inaccurate and invalid information on my credit without any valid reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion regarding illegitimate inquiries that are appearing on my file due to their error. I spoke to a representative and rather him assisting me and listening to my concern regarding their error and placed inquiries on my credit report that was previously removed by a them. I want them removed immediately because 1. They didnt follow proper protocol when placing them back on my report. They didnt even try to assist. The inquiries are ridiculous because its no way possible for this is correct. 

1XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX, XXXX, XXXX 3.XXXX XXXXXXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX  XX/XX/XXXXXX/XX/XXXX 7.XXXX  XX/XX/XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10.XX/XX/XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXXXX/XX/XXXX XX/XX/XXXX 14.XXXX XX/XX/XXXX
Product: Debt collection

" Collection Agency '' - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX Telephone # XXXX XXXX has filed for the second time, an wrongful Lawsuit against myself ( XXXX XXXX ) of XXXX XXXX XXXX XXXX Florida XXXX - Telephone # XXXX XXXX. XXXX XXXX XXXX claims to be Representing the best interest 's of the Creditor - Citibank N.A. ( Goodyear ).
But in reality, they are being deceptive & have purchased by contract, for a unspecific amount of Funds, at pennies on the Dollar.
Thus releasing me from any further or future Obligation to my former Creditor ; upon being " Purchased '' /Transaction to XXXX XXXX XXXX XXXX which I might add ; without my knowledge or consent.
I never agreed to any terms or conditions with XXXX XXXX XXXX XXXX I am under " No '' Legal obligation to any collection agencies, and my written contract was with Citibank, N.A ( Goodyear ) only.
Furthermore, This is clearly violation of the " Fair Debt Practices Act '', that no collection agency, can filed a lawsuit against a consumer.
Respectfully Submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

n XXXX-and XXXX of the year XXXX my credit account had become past due with Barclays Bank Delaware, However I have no memory of nor record of the bank ever trying to contact me to let me know my account was severely past due, and since disputing the matter with them through XXXX, the bank has made no attempt to provide me any backup that they did try to contact me to let me know my account had been past due, and was not on auto pay. I at the time had another account with Barclays that was on autopay and was being paid on time and in full every month, so in my checking accounts, I was seeing a withdrawal to Barclays and had no indication that the account was past due. The Bank again, made no attempts that they've been able to provide proof of that they attempted to contact me at that time to let me know my account was 30 60 and then 90 days Late. And when I finally became aware of the mistake, I corrected it promptly. I've asked the institution to both provide proof of the lateness and the attempt to contact me, and asked for leniency in the matter considering both the fact that this was at the beginning of the COVID 19 pandemic, and that they failed to alert me, however on all atempts to resolve this matter between us they have failed to provide anything other then generic and cryptic responses, with no backup, just a promise that " and investigation '' had been conducted. I ask that CFPB please ensure Barclay knows that I am both entitled to a detailed response with investigative evidentiary proof and that if they can not provide this that they must remove this blemish from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting an unverified Bankruptcy on my credit file. I have requested an investigation and a method of investigation and they refuse to rectify the information. They state that the info was verified and I provided proof that no court system verified the info. They state that XXXX verified the info and I provided a copy of my XXXX report with NO BANKRUPTCY listed. They are in violation of the FCRA for publishing unverified information on my credit report.
Product: Money transfer, virtual currency, or money service

Paypal limited my account for insufficient reasons. I sold three items this month on XXXX and the only payment option is Paypal. I received payments from buyers  and can not touch the funds because of an account limitation that is baseless and unfounded. To " lift '' the limitation, Paypal asked me to verify my identify using four different methods. I completed three out of four, the fourth one is impossible to complete on my end and has zero to do with proving one 's identity. They insist I jump through impossible hoops to get my money, which is an insignificant amount to begin with! These are hard times, and I sold personal assets to make some spare change and Paypal is holding it, why? I appreciate any help, thank you.
Product: Credit card

I was given false pretences when I opened my account with this company synchrony bank for a secured credit card with Amazon. I was told after a certain amount of time that my card will be transition into a unsecure account and it never happened and I have been calling and asking and calling and asking, and they are giving me excuses why they are not able to honour what they told me when I opened my application so this is a deceitful manner where I was falsely given information and now its not happening so I feel like this is a systemic XXXX  and that I will be making my complaint with the NAACP because I feel that they are withholding my credit worthiness. This is an ongoing matter with these Credit Card companies. They use this as a form of control and keeping me at bay so that I am not excelling with my credit worthiness. Why are these situations allowed?? I am being loyal and keeping my account in good standard. Why are they holding me back? Should not have that kind of power., Every consumer should have the opportunity to XXXX with their credit worthiness and this is affecting my livelihood.
Product: Mortgage

Our original Loan service ( XXXX ) was aquired by NewRez back in XX/XX/2020. 
We were contacted by NewRez loan Retention and Offered a spectacular Refinance option that required no out of pocket costs or appraisals. During the initial Refinance the communication was excellent. Once we submitted all documentation by XX/XX/2020 we received an email letter of congratulations that our loan had been approved with the new locked in rate of 3.7 % we were instructed that we would most likely move to closing before the end of XXXX. After this approval email, In XXXX received several phone calls asking for the required documents ( which were already sent in XXXX ) They had me send them to the same email several times, each time I questioned the whereabouts of my documents and there was no explanation. Afterwards I had had ZERO success reaching NewRez via email or telephone. My NewRez Loan processor refuses to return my calls or emails since XX/XX/2020. I filed a complaint with NewRez on their website and receive a certified letter in the mail that offered no help whatsoever, with Phone numbers that lead to irrelevant service departments. Now with the current world situation we are very concerned about the status of this refinance and have received Zero assistance, They claim my file is sealed, say that my loan processor is available and when transferring they hang up on me. I have all my attempts of email communication documented and can provide when necessary. 

Thank you.
Product: Credit card or prepaid card

I ordered a phone from XXXX XX/XX/XXXX timeframe of last year. The phone was financed via Synchrony XXXX XXXX credit. I initiated a charge back because the device is not working. Syncrhony is stalemating for XXXX, keeping me in an endless return/tech support/support loop via phone and email. Neither company will work with me to resolve this issue that has been going on for almost 4 months now
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided XXXX and Equifax proof that the ( 2 ) bankruptcies that they continue to report against me are fraudulent. XXXX and Equifax get their public record data from XXXX, and the letter that I am providing as proof that these bankruptcies are fraudulent is from XXXX their own public records vendor, yet they both continue to report this fraudulent information, and this is willful and malicious conduct, and this conduct is also actionable meaning that I can file a lawsuit against Equifax and XXXX  for their continued willful and malicious conduct and I intend to do so if they do not begin to immediately adhere to the FCRA, and discontinue to report information they know to be fraudulent. The attached letter confirms they are reporting information they know to be incorrect/inaccurate. Equifax and XXXX need to immediately discontinue reporting both fraudulent bankruptcies. Which are as follows Chapter XXXX Case XXXX Chapter XXXX Case XXXX These bankruptcies are not mine and I have never filed a bankruptcy and I have never lived in the state of S.C. and I need XXXX and Equifax to adhere to the law and immediately remove this fraudulent information from my credit files.
Product: Debt collection

Contacted National Credit Systems on XX/XX/XXXX for verification of debt. They did not send photo or video evidence of damages to former residence, Only included a handwritten note. Company included false charges in debt and are attempting to collect which is an illegal business practice. 
Have disputed the charge multiple times for inaccurate balance/past due information and company refuses to correct the false charges. Disputed this false debt collection with XXXX credit bureau on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I have spoken with the National credit systems and disputed these false charges many times. They have refused to remove inaccurate information. I contacted national credit systems to dispute these false charges on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Currently they have still refused to remove the inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, EQUIFAX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX  Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX & XXXX Date ofd Inquiry XX/XX/XXXX
Product: Consumer Loan

My mother had need of a vehicle but had insufficient income to make the initial purchase and I was brought on to cosign for the loan. Regrettably, my mother recently passed. After attending to the essential needs of the state, I voluntarily returned the vehicle. As a cosigner to the loan, I understand that this is my financial responsibility to pay the balance of the vehicle loan. 

However, I have a complaint with the collection agency that was hired to handle the account. When I received notice in the mail, I promptly contacted the agency. After feeling strong armed into a payment which undermined my financial stability, I offered to mail them a payment. They strongly discouraged this as account transfers were more efficient. I did n't feel comfortable with this but agreed in an effort to take responsibility for this. They then alerted me that they were going to take {$100.00} a month out of my account. I did not agree to this payment but they said that they were going to. At this point, I had to close my account.
Product: Money transfer, virtual currency, or money service

Hello A transfer was made to a non-existent or closed XXXX account which was linked to my Capital One savings account in error. I submitted multiple requests to reverse this ACH transfer at both XXXX and Capital One, but no one has been able or willing to assist. Full details of the transaction are below for reference : XXXX Account Number : XXXX XXXX Routing Number : XXXX ACH Trace Number : XXXX Capital One Originating Account Number : XXXX Capital One Originating Routing Number : XXXX ACH Date : XX/XX/2022 Amount : {$67000.00} Capital One has confirmed these transaction details but XXXX has been unable to locate the transfer through any means.
Product: Credit reporting or other personal consumer reports

I am following up on a previous complaint regarding Experians failure to properly investigate and correct inaccurate items on my credit report related to the XXXX data breach. I recently submitted a dispute to Experian to remove unauthorized accounts and outdated personal information, but Experian has failed to take appropriate action. EXPERIAN HAS KEP FRAUD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHICH I NEVER LIVED AND HAS UUST MARED DISPUTES AS VERFIED ( 2 ) DAYS AFTER SUMITTING LEADING THE CFPB TO THINK INVESTIGATION IS ACCURATE. 

EXPERIAN HAS LEFT ME WITH NO CHOICE TO DISPUTE BY MAIL OR ONLINE AS THEY SNED A PAPAER NOT ALLOWING THE DIPSUTE FROM DATAT BREACH I WILL SUE EXPERIAN FOR ALL OF THE DAMAGE. HERE IS PROOF CFPB OF DATA BREACH FAILUR TO ADDRESS DISPUTES AND MULTIPLE LIES After my dispute, Experian returned one account as " verified '' without providing any proof of a thorough investigation, despite my assertion that this account was a result of the breach. In addition, Experian has not removed the outdated addresses I requested to be deleted, leaving inaccurate information on my file.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to make any inquiries that I see on my credit report. This is a violation of the Fair Credit Report Act section 1681b ( c ) and a serious breach of my privacy rights. I asked the Credit Bureaus to remove them. The Credit Bureaus did not remove them as I asked. I am providing an IDTheft report which I will attach to this complaint. I am asking the CFBP to remove them as they are inaccurate and not mine.