23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Every so many months XXXX XXXX places an account with a collection agency which is not my bill. I have requested over the years proof of this bill and it always ends up that they can not provide any. In the past I have filed complaints against the collection companies and I think the best action is to get XXXX to stop reassigning this account over and over. 
The company they have assigned it with this time is listed below and they seem at this point to understand after reviewing XXXX XXXX 's info on my account they refereed that something is n't right. 
I have also requested that the collection company send me proof of this debt via phone and email. The contact person at ERC is a XXXX XXXX at XXXXERC, XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had student loans that I defaulted on. I was rehabbing the loans as of XXXX with XXXX XXXX XXXX XXXX as the servicer. When the pandemic hit in XXXX, there was a freeze on all student loan payments. The federal government also gave a " fresh start '' to all student loans. ( See : https : //www.ed.gov/news/press-releases/biden-harris-administration-extends-student-loan-pause-through-august-31 ) " This includes allowing all borrowers with paused loans to receive a fresh start on repayment by eliminating the impact of delinquency and default and allowing them to reenter repayment in good standing. '' Despite this, the servicer continued to report the loans as " In Collections '' with derogatory reports to all credit reporting agencies during XXXX, XXXX, and XXXX. In XXXX, I consolidated my loans, but the old loan accounts from the Dept of Education still show derogatory marks for the time during the COVID pause. 

I've been unable to get anything done by the Dept of Ed or any other agency, as I just want the derogatory credit remarks removed from my reports. The credit reporting bureaus are aware of the loan repayment pause and should not have been reporting derogatory marks onto student loans accounts during this time. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX the consumer, Continue to Be damaged by the injurious nature of Nelnet / US DEPARTMENT OF EDUCATION. This is in response to Nelnets documentation and response thereof. Nelnet inc has Documented evidence of my account in a forbearance status with no interest incurring. Nelnet has also denied my claim which is being rejected. As I am a victim of identity theft due to the fact of NELNET INC AND ON BEHALF OF US DEPARTMENT OF EDUCATION ( technical third party with no standing ) TO BUY and securitized my information to XXXX,. This is not authorized.. this is a data breach. It has been stated by Nelnet That they must Furnish my account data proving they had no real reason only that must, Nelnet claim is not valid only a violation as to having no absolute grounds to furnish and did so WITHOUT MY CONSENT. if a reason was so it would have been listed, WE MUST does not mean we are able to ignore the consumer and make decisions without them. WITHOUT THEIR CONSENT which is in fact identity theft. NELNET INC also claims they are lender but not have provided any 1099 A or C copies for my tax purposes, nor 1099 OID or any forms that are supposed to be filed with the IRS that have not been and have also been acknowledged on form 13909. At this time it is being requested : The original transaction with US DEPARTMENT OF EDUCATION to clear up my name and to prove the theft of my Identity. As NELNET is REQUIRED TO PROVIDE THE ORIGINAL TRANSACTION DOCUMENTS pursuant to FCRA sec 609E. And attached. XXXX XXXX the consumer know I am the lender and with the credit, Nelnet has still not answered HOW YOU WERE ABLE TO OBTAIN MY INFORMATION. According to XXXX the consumer, you had no PERMISSIBLE PERMISSIBLE OR WRITTEN. CONSENT TO FURNISH A REPORT. In addition to the accuracy of the report pursuant to 15 USC 1681 AE you have not asked the consumer XXXX if the information is actually true. Instead violated my privacy rights, unalienable rights, and federal rights protected as a consumer.
Product: Credit card or prepaid card

- [ ] On XX/XX/XXXX I made a purchase at XXXX using the secured payment method of XXXX. My total purchase was for {$3500.00}. My item was set to be delivered by XXXX however I was not available for the deliver so my package was marked as Undeliverable and returned back and to the sender on XX/XX/XXXX at XXXX am. I was supposed to be issued a refund of {$3500.00} to my XXXX account. I waited until XX/XX/XXXX and since I still hadnt received my refund I opened a dispute with Apple Card Goldman Sachs, they initiated a dispute with XXXX. Then on XX/XX/XXXX I received a credit of {$240.00} which I was confused about because this is not the amount of my dispute which is {$3500.00} When I spoke to a XXXX over the phone they told me that they seen I had been refunded from XXXX on XX/XX/XXXX in the amount of {$3300.00}. However this is a refund for a returned item that I purchased on XX/XX/XXXX using my actual Apple Card number, not XXXX. I was confused as to why they would think that this had anything to do with my initial dispute of {$3500.00} from a transaction that I made using XXXX. If I make a purchase and received a refund it will be refunded via XXXX. Apple Card Goldman Sachs exclaimed that they made a mistake and put in another dispute to correct the amount owed to me with the subtraction of the {$240.00} that I was credited on XX/XX/XXXX. However most recently on XX/XX/XXXX I was charged {$3300.00} onto my available balance. So I still do not have my refund for this item that I never received and was returned back to XXXX. Once again they have filed another dispute for the amount of {$3300.00} on XX/XX/XXXX. I do not believe this issue should take this long. I have provided all necessary XXXX  tracking information as well as all of my transactions to show that I should be refunded, but somehow I keep going in circles over and over again. This is a very poor level of customer services from the mistakes made and not paying attention to detail. I do not understand why this company is confusing a XXXX transaction with a transaction that is separate from XXXX.
Product: Credit card or prepaid card

On Friday XX/XX/2023 I was a victim of theft where most of my personal items were stolen, in which my cellular device was taken as well. My cashapp had been logged unto this device where the person sent over {$140.00} dollars to someone I had never done any transactions with. That same day I was able to purchase a new phone in which I've added my cashapp information to that device and updated my phone number removing old information so the old device wouldn't be able to access my account anymore. I proceeded to send over a refund request because I simply didn't know what else to do and I knew this had been an unauthorized transaction. In hopes that the person would refund me my funds I waited to contact cashapp, the person still hadn't responded so I called cashapp Monday morning to let them know of the issue but they were no help to the situation although it states they would protect all customers. I've explained to the company I had never done business with this individual. I know according to consumer laws when a consumer states that there's been unauthorized transactions theyre supposed to investigate which they still didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

referencing to complaint number XXXX I reviewed my consumer report and noticed that the late payments that I am continuously demanding for deletion is still reporting on my credit file without my CONSENT nor did i receive the proper disclosures from XXXX XXXX to opt out of my non public personal information being reported to a non affilliated third party pursuant to 15 U.S.C 6802 obligations. These payments are not late and consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. Please reinvestigate and provide proof showing that these payments were late. If proof can't be provided I demand these payments be updated to on time payments as they should have been for account XXXX XXXX- acct # XXXX XXXX  late payments XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
documents were uploaded in complaint XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal Information was compromised and there were a number of inquires I did not authorize. Have contacted Credit Bureaus on numerous occasions to have these fraudulent inquires done without my consent to be removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Product: Debt collection

I have been attempted to work with XXXX XXXX XXXX XXXX XXXX, Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, President and CEO MERCEDES BENZ FINANCIAL SERVICES ) and XXXX XXXX d/b/a XXXX XXXX XXXX Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, President and CEO MERCEDES BENZ FINANCIAL SERVICES MERCEDES BENZ FINANCIAL SERVICES to act in the fiduciary capacity and act in the best interest of the BENEFICIARY ( XXXX : Banks-Beneficiary ) in this TRUST transaction XXXX I have sent the payment for settlement and closure of this account. They have chosen to still injure the beneficiary and now have damaged my property. 

This morning Mercedes Benz Financial Services sent someone to come steal my vehicle I am making record of how Mercedes Benz Financial Services Continues to violate Trust Law and continue to cause injury to the beneficiary. 

They have no provided any information, such as the on ledger and off ledger accounting, to show that they lent me anything to show that I owe them anything. By Trust law, I the benificiary have to right to request this information and the TRUSTEE should provide it on demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Experian about account XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 about inaccurate information reporting on my consumer report and to validate this account. On XX/XX/2022, Experian update the account showing a 30 day late payment for the month of XX/XX/2022 and took away the positive payment history for the month of XX/XX/2022. According to the Fair Credit Reporting Act, Consumer reporting agencies must obtain accurate information at all times. This account is not accurate. Also according to 15 U.S. Code 1681a ( 2 ) ( B ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is Saturday XX/XX/2023. I called Equifax. I went on the site to dispute two Harding inquiries. 
The first representative had no clue wanted a police report wouldn't help ask for supervisor I got his survey. 
Finally I got a hold of a supervisor by the name of XXXX. 
XXXX she's as bad as her representatives. And I have a lot of knowledge and expertise and I'm a customer service and billing consultant and make secret calls for corporations. 
Anyway. I go into disputes on their site I dispute the hard and inquiry it only gives me three options that I didn't authorize it that it's fraud and it's not mine? 
Above it it says if I wanted to add additional comments which I did because those are the only three options and none of them apply. 
So I hit edit and it brings me back to the original screen to submit the dispute. 
I don't know how many times I was asked with the problem was that I need to do it on line I went through it tried the disputes told him what I was seeing. 
So speaking to the supervisor I assume she would be able to do it on the computer because the phone computer says that I can do it manually with a representative. 
she had no clue. She took my statement but I know she wasn't typing it in that's why I asked her for her name. 
There's two hard inquiries and one is from a credit called called aspire Nowhere on their application is there any disclaimer that they do not service certain states and one of them is my state of Massachusetts. 
Knowing that and knowing the application from Massachusetts there should have never have been a hard inquiry. And my denial letter stated it was because they don't service Massachusetts in a few other states. 

But with only those options and no ability to add comments how in the world are they going to know what happened and they're only going to go by what I pressed for an option. 

I want these disputed and one of them is Equifax mortgage services. Which is basically they do a run so lenders can get a hold of me. 

I'm a veteran I'm using VA home loans. They're not even on my report. Equifax had no rights no permission to run a hard inquiry just for their own sake so they could third party it out. 

Those two items I want disputed because of the answers I've just given.

Thank you for your time I'm adding screenshots of the ones I want removed. Also screenshots of disputing it and the problem with me being able to add a comment and only the three options available to dispute something. 
Also I believe it's the last one I uploaded it looks like I need to file the complaint and submit it but that's what it looks like after I hit edit so I can add a comment
Product: Checking or savings account

XX/XX/XXXX I deposited {$290.00} cash at the Huntington Bank on XXXX XXXX XXXX Ohio. After awhile it told me to contact my financial institution, kept my cash without it being deposited into my account. XX/XX/XXXX I go into the branch and they tell me I have to wait until XXXX comes in to service the atm and that someone would call me. Saturday XX/XX/XXXX I go back into the branch, to find out XXXX had serviced the atm but I still dont have my money. I had to file a dispute. Thursday XX/XX/XXXX I go back into the branch and was told I would have my money at the end of the business day. Nothing. Called the next morning and then was told I would receive it at the end of the business day yesterday. Again no money. I need my {$290.00}. Im tired of the lies after lies and poor customer service.
Product: Checking or savings account

At or around XX/XX/XXXX I purchased an extended vehicle warranty for my elderly parents who are on a fixed income so as to ensure that when their car needed repairs they would always be able to get them. The car only has XXXX miles on it - I paid {$1600.00} for the warranty using both my XXXX and Bank of America debit cards. At or around XX/XX/XXXX I made multiple calls to XXXX XXXX number to file a claim, each time the answer service would pick up the phone and take a message- no one ever called me back. I called several departments on multiple days and each timethe answer service would state that all of XXXX calls had been forwarded to them all day. At or around XX/XX/XXXX I contacted Bank of America claims department - I asked how long did I have to file a claim - claim rep stated 12 months - I then filed a claim for the {$500.00} ( thats the amount charged on BofA debit ) within 10 days BofA denied my claim. Now my elderly parents car needs a new transmission and I dont have the {$1600.00} that I paid for a bogus extended warranty. I can be reached at ( XXXX ) XXXX. Thank you.
Product: Credit reporting

I would like this charge removed from my credit reports because it has been changed over from XXXX XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, XXXX, XXXX and Innovis. 
I would like to have XXXX removed from all reporting agencies : XXXX, XXXX, XXXX and Innovis. 
I would like to have XXXX removed from all reporting agencies ; XXXX, XXXX, XXXX and Innovis.
Product: Debt collection

I received a notice from Credit Corp Solutions for collection on a debt. I am requesting full debt validation. Please send me copies of the last 12 months of statements and accounting on balance said owed. I also would like a copy of notice of assignment from the following creditors ( XXXX and XXXX XXXX XXXX XXXX ). I would like a address and contact information for them also.
Product: Debt collection

I have noticed that a collection account was placed on my credit report on XX/XX/2020, by SEQUIUM ASSET SOLUTIONS for {$180.00}. I never received a dunning letter and never had a chance to dispute or request debt validation and am requesting that this debt is deleted immediately.
Product: Mortgage

On XX/XX/2020 we received a letter from the County of XXXX XXXX XXXX Tax Collector notifying us that we owed {$6900.00} in past due property taxes. We were perplexed since we have an impound account and our mortgage company PHH Mortgage is supposed to be paying them. Since XX/XX/XXXX, we have spoken to customer service at PHH 4 times, we have faxed a letter with the bill from the county 3 times and have emailed them twice. We can't talk to anyone in the tax department, and customer service has told us various things : that they mailed {$500.00} to the wrong county ( XXXX XXXX ) and were waiting for the money to come back ; on XX/XX/XXXX they told me they had mailed {$2900.00} to XXXX County ( XXXX County Tax acessor never received it ) ; Customer service has promised they will have the PHH tax department call the county directly and then call me, and they have done neither. Every time we call customer service we speak with a nice person with a foreign accent who can't locate our numerous faxes and promises to have the tax department look into it and call us back- and then we hear nothing. We are beyond frustrated!

At this point we are refinancing to get away from PHH but can not finalize the refinance since we now owe {$7000.00}. in past due taxes that need to be paid first.
Product: Debt collection

XXXX  ended XX/XX/XXXX, all final payments were handled. On XX/XX/XXXX I was contacted by Tesla saying I owed ADDITIONAL funds for excessive wear and tear. This is not my debt, additionally the statute of limitations for California ( 4 years ) has been exceeded.
Product: Credit reporting or other personal consumer reports

My credit score decreased and there some incorrect information on my account
Product: Debt collection

Re : Violation of FCRA, Violation of FDCPA To Whom It May Concem : This notice is to inform you that COMMONWEALTH FINANCIAL SYSTEMS have unlawfully reported alleged debts to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021. 


You have violated the FDCPA 1006.30a and its new rule by parking these alleged debts on my consumer reports. Cease and Desist the reporting of the alleged debts, or I will escalate this matter to taking legal action. 


I XXXX XXXX have not given COMMONWEALTH FINANCIAL SYSTEMS written permission to report anything on my consumer report as required pursuant to XXXX XXXX XXXX. 



You have No permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 


I XXXX XXXX, NEVER have ANY written contract of ANY accounts with CommonWealth Financial Sys as alleged on my consumer reports. 

YOU have ILLEGALLY Re-Aged these accounts which is Prohibited by law. 

YOU, NOR BLUFF XXXX  XXXX XXXX  XXXX IS NOT THE ORIGINAL CREDITORS OF THESE BOGUS ACCOUNTS. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX Code XXXX - False or misleading representations A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt YOU HAVE VIOLATED THE FCRA. and FDCPA. 

I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST CommonWealth Financial Sys.

15 USC 1681 s-2 Says YOU, COMMONWEALTH FINANCIAL SYSTEMS are a furnisher of information to a consumer reporting agency.

Pursuant to 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION : ( A ) Reporting information with actual knowledge of errors- 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.

In conclusion, YOU, CommonWealth Financial Systems have been put on notice that you are reporting INACCURATE and UNLAWFUL information, The information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681S-2 of your responsibilities as a furnisher of information.

This is a final opportunity, PROMPTLY delete the erroneous, inaccurate re-age accounts and misleading information from ALL consumer reporting agencies that you have reported them to at once.

You have caused me and my family severe harm due to your negligence and inaccurate reporting.

YOU have 10 Calendar days to DELETE THESE ACCOUNTS FROM MY CONSUMER REPORTS!

OR, I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.

cc : Florida State Attorney
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and have noticed I have multiple late payments on the accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this accounts that I included in the screenshot inside this complaint in on dates of [ 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 ]. Please investigate and provide proof with statements showing these payments are late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they as they should be due to the fact i was never late. Thanks! Please send see screenshot attached.