23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was looking at my credit report and I found there is an attempt to collect a debt from me by Focus Account Receivables which I do not owe. The original creditor was listed as XXXX XXXX XXXX on the credit report. I had service with them 5 years ago, and account is closed. XXXX XXXX also does n't provide service in the area I currently live in for the past 5 years, and I also called XXXX XXXX and they do n't have any record of my name or phone number in their system or anything I owe for that matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to All credit bureaus some have refused my request to dispute the unauthorized inquiries on my credit profile. 
I have asked them to investigate. 
XXXX employees told me they don't investigate disputes, They told me I have to reach out to the creditor to obtain a letter of deletion. After reaching out to the creditors they told me I have to call the credit bureaus and request a dispute. So I recontacted the Credit Bureaus and attempted to get them to honor my request to check out the unauthorized inquiries. They continue to give me the runaround and hanging up in my face 3 times. 

Experian started off giving me a run around for my request. Telling me to reach out the creditor. By telling them I already have done this and a threat of contacting CFPB they open disputes. But when I go to the dispute center in Experian it seems as if they doubled up on disputes and missed out on a couple of disputes in the date range of XX/XX/XXXX to XX/XX/XXXX. 

XXXX has also given me the run around still waiting on a call back for them to finish addressing this issue with the Inquires ... 

I want is for these credit bureaus to do is follow the law validate these unauthorized inquiries and show me documentation of there validation. A binding contract, Copy of Id, Application, Authorization to pull credit ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, i filed a complaint with CFPB because XXXX closed my account for inactivity, My arguement was they really closed it because of the pandemic and financial crisis when it started and lied and used inactivity as a way to close the account.Well, I have new information that proves they lied.On XX/XX/XXXX i received a letter from XXXX dated XX/XX/XXXX that shows inactivity as one of the reasons.I opened this account in XX/XX/XXXX and last used/paid off in XX/XX/XXXXMy account was close in XXXX XXXXI received a letter from XXXX dated XXXX XXXX and it states my account has been inactive for 18 months or longer.Because of there gross negligence, my credit score has dropped and has caused stress to me and my family.
Product: Payday loan, title loan, or personal loan

I received 2 payday loans on XX/XX/2020 that totaled {$500.00} that I was positive was paid back in cash but the workers claim it wasn't paid. I was at XXXX XXXX and called the state and found out what day and how much and they said there is a 10 year statute of limitations law that they can't collect over 10 years anyways so she tried to get the worker at cash advance to dismiss the checks but the worker said they would not so I was told that this was not following the rules of statute of limitations and I need to file a complaint to have these dismissed. Please help on this situation.
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 rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1861 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse hem of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16816-2 ( A ) ( a ) A person shail not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to information is inaccurate. 

Delete these hard inquiries accounts below XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Reason XXXX XXXX CA XXXX Suppose to be taken off on XX/XX/XXXX ADDRESS ID NUMBER XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Reason Suppose to be taken off onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Suppose to be taken off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Suppose to be taken off
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, purchased a lease from XXXX XXXX XXXX. XX/XX/XXXX My final lease payment was pulled from checking account and posted to my XXXX acct. i notified XXXX XXXX XXXX  that I was currently waiting on a new vehicle from XXXX, to return my lease. My new vehicle arrived XX/XX/XXXX. XXXX XXXX XXXX, in XXXXXXXX XXXX  purchased the lease from me, paying off XXXX XXXX XXXX the remaining owed ( {$31000.00} ) from the payoff received from XXXX XXXX XXXX, that day. Sometime in between those dates- XXXX XXXX, somehow reversed my XX/XX/XXXX payment from my account and applied it somewhere else, that I dont know if. I received a called from XXXXXXXX XXXX XX/XX/XXXX telling me my account is XXXX days past due and I now owe XXXX and XX/XX/XXXX payments. The XX/XX/XXXX payment, was not returned to me nor applied to my account. I made numerous calls ti XXXX to get this corrects and was told, the accounting department was working on it. They could see the payment was reversed sometime at the end of XXXX but not applied back to my account. In the meantime, While XXXX is telling me Im XXXX days past due, the representative told me they did receive the entire payoff amount of {$31000.00} from XXXX XXXX on XX/XX/XXXX. Fast forward to today, XX/XX/XXXX, XXXX I get a notification from Experian ( I monitor my credit ) that as of today, XXXX XXXX XXXX reported my account XXXX days past due. This false report, hit my credit and my husbands credit hard, knocking out score down XXXX points. I called XXXX the customer service rep and supervisor told me they cant see that my account was reported past due. They can see my account was corrected on XX/XX/XXXX where they reversed my My XXXX pymt and now reapplied it and they could see the loan was paid in full, on XX/XX/XXXX. Ive disputed this false credit reporting with XXXX XXXX XXXX, Experian and filed complaints. My credit and my husband credit, has been greatly impacted, negatively due to XXXX XXXX XXXX, reporting incorrect information.
Product: Credit reporting

got a home equity loan in XX/XX/XXXX got pay of balance for my card + husbands at XXXX XXXX, Mailed both checks on about XXXX. The credir card company applied XXXX payments to my husbands account, leaving mine past due and over the limit. I did not discover their error until XXXX at which time I called and inquired about status of card, they finally applied payment to my account on XX/XX/XXXX. They accumulated late fees during that time and now say I owe {$630.00} I have been fighting this for 5 yrs. It is clearly their error. I have receipt of check from bank and statement showing when payoff was applied from XXXX XXXX. I contacted them within 30 days by mail to dispute it but they say they never got letter, so this is on my credit report, I have tried to resolve this matter but the card co. says because I mailed XXXX payments in same envelope is why they applied it to husbands acct. both checks were clearly written with each name and acct # on them. I can not be responsible for their mistake, they have hired collection cos. and when I explain the situation they just say well we are n't going to resume any collection from you, so they hire another XXXX. This is crazy, I told the gentleman last time he called that if Husbands card was over paid by law they were send overpayment to him. Then and only then did the phone calls stop, our bank has been contacted in this matter but does n't seem to want to help even thou they wrote the check. Do n't know what to do at this point.
Product: Debt collection

In XXXX of XXXX I pulled all 3 credit reports and found Midland Funding, LLC was reporting a collection account. I disputed with all 3 credit bureaus and it came back as verified. I did not receive a dunning notice of alleged account from Midland Funding, LLC. I also was not notified within 30 days of placing negative information into my credit file. On XX/XX/XXXX I sent a certified letter demanding validation. No response.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that all the accounts listed below be blocked and permanently deleted from my credit report as a result of a recent data breach, pursuant to the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). These accounts were fraudulently opened or reported without my authorization, and I am a victim of identity theft. 
Please find the details of the fraudulent accounts below : XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$23000.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$5700.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$410.00}
Product: Debt collection

I received a letter from Convergent Outsourcing Inc out of XXXX Washington attempting to collect on a debt on behalf of XXXX XXXX. The letter was a settlement offer letter of {$2300.00} out of a {$6600.00} debt they say I owed. I contacted them on XX/XX/XXXX and filed a dispute. I did not remember ever having an account with XXXX XXXX, so I called XXXX XXXX  on XX/XX/XXXX and spoke to XXXX in their auto charge-off section. They indicated that I had an account at one time, but there was no data on file for it. It was during that conversation I figured out the debt stemmed from a lease that was broken in XX/XX/XXXX, which was also the date of last activity, or DOFD. I know this date, because it was the month I was XXXX and XXXX until XXXX. It is old enough that they have no record of it other than I had an account with them at one time. XXXX did state that they closed their file out in XXXX. At the time they closed it out it was 11 years old. XXXX also indicated they had no idea whom Convergent was, or the company convergent said sent the file to them. The name of that company is named XXXX XXXX. I called Convergent back to inform them of the information I had discovered and they were less than cordial. 
I researched both collection companies, XXXX and Convergent. Upon doing that I became increasingly concerned about the future of my credit. I know how difficult it can be to fix a credit file having worked in Banking for over a decade. I decided to file a complaint. There are many people that would be bullied by companies like this that prey on the uniformed public, know those debt are both uncollectable and not subject to judgement. Their letters clearly state that they will report it and may take action including legal action. 
I have sent a written dispute top them, an email dispute to them, and filed one Verbally. I am now filing a complaint against them. 

Convergent Outsourcing Contact Info : Convergent Outsourcing XXXX XXXX XXXX XXXX, WA XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a solicitation email from Experian to transfer my {$7900.00} balance to another credit card " see your matches. '' I became concerned because my credit card balances total approximately {$4300.00}. 

I attempted to contact Experian and the representative ( not residing in the USA ) asked for my name, social security number and date of birth. The Experian web site states at the top of the contact, " To protect the private nature of your personal information, please do not share any personally identifiable information via chat. This includes information such as name, SSN, address, or any other uniquely identifiable information. '' Therefore, my complaint involves two things. Non US citizens asking for my PII and two I can not verify whether or not someone has opened another card in my name without divulging PII to someone to get to the bottom of this! 

I signed up for credit monitoring with Experian some time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a complaint with Attorney General   XXXX   XXXX     XXXX  on behalf of a Identity Theft issue. In the letter I was advise to write or call credit reporting agency. I cal led Trans Union. O n the matter to place a credit alert with the  XXXX  credit agency 's. I talked with  XXXX  at  Trans Union Corporation  on behalf of the credit reporting of  XXXX   XXXX   XXXX   Company/collection agency for a debt on cell phone bill that was in  XXXX  balance when the  XXXX    XXXX   account was cancelled.   The  XXXX   XXXX  company sent a bill that was settle to a   XXXX   XXXX   collection agency.     This collection agency is on my credit report as owed bill. This  XXXX  account was cancelled on,  XXXX   XXXX ,   XXXX  .  XXXX  account number.  XXXX . In the amount of. {$92.00}   XXXX    Re.  No.  XXXX . This was a resolved issues with  XXXX .   The phone number for the collection agency :   XXXX   XXXX   collection agency is,  XXXX   XXXX   XXXX   XXXX . ( The   XXXX   n  umber above  XXXX . I filed a complaint with the  XXXX . This file matter was on the reason I cancel the account with  XXXX . ) I would like this matter to be address. The collection agency on behalf of  XXXX   XXXX  to be remove off of my credit report. This  XXXX  account has been cancelled and is in  XXXX  balance. Thank  XXXX   XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid off a collection and was told it would be removed and it was just updated and still on my credit. It is not effecting my trust score..
Product: Credit card or prepaid card

American Express is exploiting flaws in the CFPB Process. 

The complaints are supposed to be reviewed in 15-60 days. American Express insetad responds immediately that " they are investigating '' and closing the complaint without providing their final response. 

Because CFPB automatically closes out the complaint once the company responds, it allows complaints to be closed with no substantive response from the business. 

In one case American Express closed a complaint 2 days after being filed with this tactic. They never responded with the outcome of their investigation. Given that CFPB gives 60 days for a company to respond, their is no reason to respond within 2 days that they are investigating other than to show they are timely responding and forcing the customer to give feedback before the investigation is complete. 

This leads to the second part of American Express exploiting flaws in the CFPB Process. 

CFPB reports that another complaint can be given on this issue of closing out the complaint without providing an actual response. American Express responds to that complaint as a duplicate and allows it to be closed without actually responding. 

This duplicate status marked by the company, does not even give the customer the ability to provide feedback to the duplicate status. 

So a company can never respond, and allow no further complaints to CFPB with this strategy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M HAVING PROBLEMS GETTING THE FRAUD ALERT REMOVED FROM MY CREDIT FILE
Product: Money transfer, virtual currency, or money service

XXXX XX/XX/XXXX My XXXX XXXX card texted me letting me know someone had run a credit verification. I called them & it showed XXXX XXXX had an application, I called them & it showed an online application had been made from XXXX, Georgia. I told them it was fraud. I then went on to XXXX to put a Fraud Alert. 

Mon. XX/XX/XXXX I received an email threatening me if I don't pay {$2000.00} in XXXX. I logged into a my Truist Bank & saw XXXX deposits and XXXX withdrawal for Account verification from XXXX. 
I called them & showed nothing, noted my acct & have subsequently closed it all together since I've never had any banking info listed. 

When I called Truist bank the put a block and told me I had to make an appt for the following day to close it and open a new acct. 

XXXX Went into bank for my XXXX appt & dealt with Manager, XXXX. See initially saw theXXXX withdrawal from XXXX and the subsequent deposits of XXXX & XXXX - I asked for a printout for my own records & I noticed the XXXX were not listed. She then went into another window/report & saw that XXXX XXXX XXXX XXXX XXXX had attempted to withdraw {$9800.00} and XXXX after the XXXX all return since I had alerted the bank. 

Same day I opened a new acct. 

XXXX XX/XX/XXXX again XXXX new transactions credit for XXXX and XXXX debits XXXX & XXXX under ACCT VERIFY XXXX XXXX XXXXXXXX XXXX. I had to give the bank the references numbers for them to call some back office where finally i obtain info : Trace # XXXX CompanyID # XXXX XXXX XXXX XXXX XXXX  XXXX which they in turn they handle matters for XXXX XXXX XXXX Spoke with XXXX who after giving her my SSN she asked I called XXXX XXXX XXXX. Spoke with XXXX in Fraud who after I shared the story asked my name & said they had received an application that had been flagged since it looked suspicious & was denied just like the XXXX XXXX. The XXXX # is XXXX & said to tell Truist to send a recall to XXXX. 

I now have to watch acct & all debits have been blocked. I am not sure if it is someone from Truist. The bank said it was most likely my apple desktop or phone. 

I called XXXX who went over it & found nothing suspicious plus I have malware on system. Called XXXX & did the same for my phone. 

I didi forget to mention back on XX/XX/XXXX XXXX sent me a letter telling me data had been breached & they service my mortgage & the only draft I had with Truist. I called them too & they are saying matter was addressed & it has been too long. 

I need help and I m going to run out of time on website, still have to upload all paperwork. 
Thank you.
Product: Vehicle loan or lease

I am in the process of financing my IVF procedure, so I am very big with paying my bills on time since having a child is extremely important to me. In XXXX of 2023, I got an alert that my credit dropped and it was due to Toyota Financial reporting a late payment on my credit. 

That is an error on their end. I have had PERFECT payment history with Toyota for over 4 years now and I would NEVER miss a payment unless it was a system error on their end. I called several times, and even wrote a letter to the CEO and I was met with rudeness as if all of my business meant absolutely nothing. Toyota 's payment system was down and I was unaware of the fact that they were having technical difficulties on their end.
Product: Credit reporting or other personal consumer reports

RE Reporting all credit bureaus for data purposes ( and legal ) for the following regarding the handling of my credit files. 

XXXX ) Experian, XXXX and XXXX accepted information from unreliable furnishers : they all accepted information from furnishers that are not providing reliable, verifiable information about me XXXX - XXXX XXXX XXXX  - should be deleted. 
XXXX XXXX XXXX- not late in XXXX of XXXX. 
XXXX- should be deleted. 
XXXX XXXX XXXX XXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) Experian XXXX XXXX XXXX- not late in XXXX of XXXX. 
XXXX XXXX XXXX  XXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) And XX/XX/XXXX knocked my credit down XXXX points for a late payment that does not exist. 

XXXX XXXX XXXX credit- not late in XXXX of XXXX. 
XXXX XXXX XXXX XXXXXXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) XXXX ) XXXX XXXX to include information from XXXX  XXXX XXXX XXXX failed to respond to all or nearly all disputes that issued the same responses to all disputes.DUPLICATE CLOSED. 

XXXX ) XXXX, XXXX and Experian maintained information on my report as a consumer reporting to companies what was knowingly false : Example  XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( XXXX  XXXX files ). Preventing an accurate financial picture. 

XXXX ) XXXX allowed XXXX XXXX XXXX  loan furnishers to continued to share incomplete or inaccurate information for several years after learning the information was false, incomplete, or inaccurate. XXXX XXXX XXXX provided information even after they determined the information was listing incorrectly. This was verifiable with the original dealership that this trade should be deleted. 
XXXX ) XXXX, XXXX and Experian did not follow requirements for the disputed investigations and continued to furnish information listed above that I have repeatedly disputed by failing to conduct investigations into the accuracy of information. Instead all Bureaus have put blocks in place preventing me online report access to continue to dispute enabling delay and access from supporting agencies. The XXXX XXXX XXXX website has also been blocked for all bureaus. 
XXXX XXXX department continues to ignore the requested access and their department continues to send documents denying access electronically since XX/XX/XXXX despite providing documents, court orders, drivers license and birth certificates authentication as XXXX XXXX.
Product: Vehicle loan or lease

I have a car loan that is supposed to end on XX/XX/XXXX I pay online using American Credit Acceptance 's ( ACA ) website, through their SpeedPay option. On XX/XX/XXXX, I made a future payment to go live on XX/XX/XXXX of {$250.00}, the number stated on the site at time of pay. I see a " Convenience Fee '' of {$5.00} but nothing else, just the payment amount of XXXX, which totals {$250.00}. 

When I submitted this future payment, I see on the next page " On XX/XX/XXXX, your account will be current and your next due date will be XX/XX/XXXX. Your total due including fees will be XXXX ''. My loan is current and set to end onXX/XX/XXXX I called ACA to ask why I am getting an XXXX date and upon looking at my account, apparently I have fees hiding of roughly {$40.00} that was *not* presented at all when it was time to pay. The people on the phone keep saying it's a mistake in their system and glitch- but I'm still expected to pay this hidden fee or never get my title. I have screenshots of my payments and the fact that this hidden {$40.00} did not show up at all - I had to look for it.