23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are dates that were 30day past due according to Real Time Resolutions ( These are the dates causes problems ) 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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are 90 days past due according to Real Time Resolutions ( These dates I can't get info from them on ) Real Time had purchased our account and I was never notified. I have had automatic payments on this load since day one. I had continued conversations over and over regarding payments being taken out automatically without a resolution, I would get a statement in the mail with account being late already I would call and pay and ask if this was going to be a bad thing on my account and was told no. They again said the account would be processed automatically with again no resolution, I called to try and get some information on my account and was given attitude about my account over and over. It was in deed not my fault of this continued thinking account being posted automatically with it not being done, It's a XXXX payment and has seemed to cause a lot of problems for us on purchasing a new home. 

I don't feel comfortable speaking with the account reps with Real Time and would like some help on what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX office has 3 illegal child support files on my Experian credit report. All 3 are fraudulent and change amounts due to make it appear I owe over $ XXXX. This account was closed in XXXX. XXXX illegally tried to collect from the XXXX  DMV, AG and XXXX XXXX offices. All 3 declined after seeing proof on XXXX  illegally calculating the child support amount in XXXX ; retroactively charging in during a custody battle ( where I had primary physical and joint legal custody ) ; illegally changing the domicile to XXXX ; illegally not allowing a review or modification from XXXX : and also illegally re-opening my expired XXXXXXXX XXXX  drivers license for the express purpose of suspending it again, plus making 9 filings in 12 years for National Holds. Simply put, these XXXX  criminals continue to harass me and illegally violate my rights to XXXX. Even making up addresses that they put on my credit file : so other people get my mail. Every instance somewhere I never lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander loan co. Is still on mu report it needs to be remo ed thier was just a multi state law suit in which a judgment against them inthe amouunt of XXXX milliin doklars.tbey also were ordered to fix ctesit on reposessed cars ect.
Product: Debt collection

I don't owe anything to CONGRESS COLLECTION with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXX  since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Debt collection

I was sued by LVNV Funding LLC on XX/XX/XXXX, in the Iowa XXXX XXXX for XXXX XXXX XXXX. A judgment was entered against me for {$1000.00}, which has now increased to {$1200.00} as of XX/XX/XXXX. At the time of the lawsuit, I was unaware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

After learning of my rights, I submitted a written request for validation of the debt to Resurgent Capital Services, which manages the account for LVNV Funding. In response, they sent a letter with basic account information but failed to provide sufficient validation as required by 15 U.S.C. 1692g ( b ) of the FDCPA. Specifically, they did not provide : A copy of the original credit agreement with my signature. 
Proof of ownership, such as the bill of sale or purchase agreement between XXXX XXXXXXXX XXXX ( the original creditor ) and LVNV Funding LLC. 
A detailed accounting of the alleged debt. 
Without this documentation, there is no legal or factual basis for LVNV Funding LLC to claim that the debt is valid, that they own it, or that I owe the amounts stated. Reporting such unverifiable information to credit bureaus also violates the FCRA ( 15 U.S.C. 1681s-2 ( b ) ).

I am requesting that the CFPB intervene to ensure Resurgent Capital Services and LVNV Funding LLC comply with federal laws by : Validating the debt with all required documentation.

Removing any unverifiable or inaccurate information from my credit reports.

Resolving this matter in good faith, as I plan to file a motion with the court to revisit this issue.
Product: Credit reporting or other personal consumer reports

I am in constant communication with the 3 Consumer Reporting Agencies regarding an Address reported by XXXX XXXX. According to the credit Bureaus, XXXX XXXX XXXX XXXX XXXX XXXX were falsely reported by XXXX XXXX. That information is INACCURATE and FALSE. I am demand that XXXX XXXX contact the ALL 3 Credit Bureaus and have the address removed immediately. If XXXX XXXX is claiming they did business with someone with a name similar to mine, I am going to file " Identity Theft '' with the FTC because it would be a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA will not process my requests to lift freeze on my credit report. 

XX/XX/2021 - Online request was made. Error message, telling me to call Equifax. Called them and was told I needed to fax information with ID verification. Information faxed. 

XX/XX/2021 - Online request was made. Error message Instructing me to call Equifax for processing. Automated system would not process, instructing me to fax. Faxed on XX/XX/2021
Product: Debt collection

The name of the company. 

XX/XX/2018 debt amount XXXX. They are unable to validate the debt. They are unable to provide proof that the debt is mine. 

The address is XXXX XXXX XXXX XXXX, PA XXXX THE ABILITY RECOVERY SERVI XXXX
Product: Consumer Loan

Good Morning, In XXXX XXXX I reported to ALLY financial that I was filing for Chapter XXXX Bankruptcy. I provided them the name of my attorney and paid the attorney for bankruptcy. The attorney and I met and there was needed documents ( Taxes, Income Statements from my divorce ). 

In short the bankruptcy was delayed. ALLY then tried to take advantage of this window and turned over the collection of this debt to a third party. ( XXXX ) XXXX XXXX XXXX. XXXX knowing the they had a small wind to recover the XXXX employed tactics that frankly I have never heard of in 46 years of existence. First, Somehow they got my sister address. They showed up in the middle of the night at my sisters residence and demanded that she produce the XXXX. Mind you my sister had no idea what we they were talking about as at this time she was unaware that her brother had to file bankruptcy. When she ignored their written demands, they peppered her and her neighbors yard with red and white flyers that read " XXXX case number XXXX '' they hand wrote comments on the flyers saying " WE NEED YOUR XXXX '' " Why wo n't you call '' ETC ETC. The problem is that my sister had no knowledge of my bankruptcy filing. Shortly thereafter, I contacted a local attorney XXXX XXXX XXXX for assistance. 

After intentionally committing third party disclosure under the Fair Debt Collection practices act, They then received a call from me telling them that the debt was being filed in bankruptcy court. They stated to me that until the court accepted the case, they could use whatever measure needed to recover the car. I told them that was fine but they were not to harass my family. I must say they heeded this advise and to date have not contacted my sister nor Parked there tow truck behind her vehicle or called upon her neighbors again. Instead ... .. 

Somehow, the got the address of an old girlfriend. On XXXX XXXX XXXX they showed up at her home and threw red and white flyers all over her driveway. It being a windy morning many of these flyers ended up in yards throughout the neighborhood. These flyers stated " XXXX XXXX UNDERLINE BIG BOLD PRINT " XXXX XXXX XXXX XXXX NEED XXXX '' PHONE NUMBER XXXX NO NAME ATTACHED. 

Needless to say, this was the straw that broke the back. I received a call from my old girl friend. She was not happy. She gave me the phone number to all of her neighbors that she knew and asked me to call them all to explain to them that she is not in debt to anyone. She further requested that I come and clean her yard of all of the flyers as she has a XXXX and is unable to do so herself. 

I beg the Consumer Financial Protection Bureau to stop the people from employing these deplorable tactics. They know what they are doing! If you google them you see their reviews are full of similar tactics and frankly they have gone unchecked by anyone and believe they can violate federal law at their leisure. I beg of you to require them to honor the law. I beg of you to insure they follow the law and further I beg of you to protect future consumes from their practices. 

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

Wrong info : fcra violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses show tooltip button Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY
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 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete or not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Recently American Expresss closed my account due to discriminatory and retailiatory acts. After I raised the complaint with CFPB and with AMEX, they in turn, closed the account after I requested to be given an opportunity to pay the account over time. Instead, they retailiated against me knowingly. They were welll aware that I submitted a complaint to CFPB and then again to AMEX Presidential Office for resolution. No one attempted to work with me on resolving this debt, based on my request to pay overtime. My mother, was also assigned as the Manager of the Account and they deleted this from the system illegally as well. 

Now based on extenuating financial hardhsip existing with my family and a sibling diagnosed with a XXXX, we are unable to pay this balance in fulll and have suggested to pay {$100.00} per month to this account, until I am able to settle the balance. 

There is no neeed for the assigned Debt Collection Representative, XXXX to make illegal attempts calling 3rd Parties whom he does not have a right, nor was he given their phone numbers. How did obtain phone numbers of other family members illegally. We have also requested that he desist in his maneuvers against these individuals, utilized as a harassing tactic against me! 

Do not call their phones again! 

We will commence paying XXXX/mth this month. 

Regards, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had {$3900.00} debited from my account in 14 unauthorized transactions between XXXX  on XX/XX/year> and XXXX XXXX on XX/XX/year>. They were made to multiple XXXX, XXXX XXXX, XXXX XXXX, and XXXX -- all not in my town. I immediately contacted Albert Bank, the XXXX XXXX that I bank with and they responded they couldn't do anything about the transactions if they were still listed as " pending. '' The transactions have now gone thru and I can not get a response from Albert on disputing them. The " disputed transaction '' form is multiple pages long, and would require me to fill one out for each of the 14 transactions. Additionally, there is no way to get an actual person on the phone at the company to answer questions. I have filed a police report. As these transactions were fradulently made, Albert should immediately reimburse me for them.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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: Checking or savings account

On XX/XX/2019 I placed a stop payment for check # XXXX with Chase Bank. I was charged {$25.00} for the stop payment fee. I received a letter from Chase stating my stop payment request for Check # XXXX was issued and granted. The stop payment request was good one year from the date requested. On XX/XX/2019 Chase paid the check # XXXX. I called Chase Bank on XX/XX/2019 at XXXX XXXX  pacific standard time. I spoke to a Rep and Supervisor. Neither is taking responsibility for the error on Chase part.
Product: Credit reporting or other personal consumer reports

I am reaching out once again to address the items previously highlighted in the complaint dated XX/XX/2023, categorized under each specified bureau. I urge you to expeditiously eradicate these entries from my credit reports in compliance with the Fair Credit Reporting Act ( FCRA ). The following items are identified for removal under each bureau : XXXX : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX Balance Owed : {$6400.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX Balance Owed : {$6400.00} XXXX : XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX  XXXX  XX/XX/2023
Product: Credit reporting or other personal consumer reports

Inquiry details ONEMAIN FINANCIAL ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX CO XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX 5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurateIn 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
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I was denied a private student loan due to a " serious delinquent student loan '' showing up on my XXXX credit report. 
This is not possible due to my currently having an in-school deferment. I also utilized the XXXX XXXX program so these loans, as per the XXXX, should have been reported as current, closed, and moved to a non-default lender. 
I pulled my credit report and found that it was Nelnet. I also later discovered that XXXX is reporting as Delinquent on my XXXX report. 
From XX/XX/2024 until now, I have contacted Nelnet several times, The XXXX XXXX XXXX for the Dept of Education and XXXX, XXXX, and XXXX. 
I have uploaded documents to XXXX and made several disputes to both XXXX and Nelnet both over the phone and online. Every single one of them has said there is nothing that they can do about it. I have even had to explain what currently delinquent means, and how it makes no sense that I could be currently delinquent. I have shared your documents with them regarding problems with reporting illogical false information. The account is closed. How can it be currently delinquent? 
I have a particular problem with XXXX and their dispute/investigation process. 
It is difficult to get any information on an open dispute which has led to sending in multiple disputes, and trying to determine if they received it is onerous. Being alerted that there is a change to your report feels like they are simply trying to get money from me. It is like credit reporting agencies make money by making changes to your report or keeping you in the dark for you to pay for a subscription or pay to refresh your credit report. 

Their entire dispute process seems to be slow and illogical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job due to my XXXX and I could not pay my auto loan since XXXX. According to my credit report the loan are still active. XX/XX/XXXX the account was opened and is purchase in MN from XXXX XXXX. According to MN the statue of limitation for auto loan debt is six years and XXXX keeps reporting it as a current loan and it keep saying derogatory. 
I am still disable and trying to catch up and pay my old bill, I have not been driving a car since XXXX when the credit company keeps reporting negative feed back from my history. From XXXX my credit is score is XXXX and currently have XXXX and trying to rebuild my credit to get myself a car for my transportation to get better for my XXXX. 
I do not know what to do anymore.
Product: Mortgage

My mortgage loan will be satisfied completely XX/XX/XXXX. My payment for taxes and insurance are both due annually in XXXX. they were paid in XXXX and will be due again XXXX. 
I requested to stop escrow deductions and return balance in escrow. I was told by someone on the phone I can submit the request in writing and this will be done. I did so XXXX XXXX at the Branch on XXXX XXXX in zip code XXXX. The person stated that I have to wait until after loan is paid off and I will be refunded I think she said 7-10 days afterwards. 

I have made two more requests directly via my account. Last month I paid only principal but the bank took the escrow out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 C-2 15 USC 6802 XXXX XXXX  # XXXX Statement : Personal Statement A seperate transaction occurred between a third party i did not give any one permission to create a profile that represent me i did not approve of or to report any information being sold and used without my permission and i was not involved in those transactions. 

I Demand This account be deleted permanently do to Violation of my Consumer Rights identity theft
Product: Credit card or prepaid card

My chase credit card had 3 charges show up that were not mine. They were all places I dont go to - liquor store, fish market, and a gas station Ive never been to. The fish market was refunded but they are refusing to refund the gas and liquor charges which equal over {$110.00}. They claim I received a benefit from those charges.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint to dispute the reporting of a late payment by XXXX XXXX XXXX, Account Number : XXXX, on my credit report for XX/XX/2024. I believe this reporting violates my privacy and federal laws, and I am requesting the immediate removal of this late payment from my credit file for the following reasons : XXXX. Violation of 15 U.S.C. 1666b Under the Fair Credit Billing Act, 15 U.S.C. 1666b, late payment reporting must align with specific provisions and timelines to ensure accuracy and compliance. This provision ensures that no erroneous or unfair reporting takes place, particularly when it involves timing disputes or miscommunication. In this case, XXXX XXXX XXXX has reported a late payment without properly substantiating the legitimacy or circumstances of the report. 

XXXX. No Legal Obligation to Report Transactions There is no law requiring creditors to report any transaction or account activity to credit bureaus. Reporting such transactions, including alleged late payments, is a voluntary action by creditors. As such, I did not provide explicit consent to XXXX XXXX XXXX to report this information, and this action constitutes an invasion of my privacy. The reporting of this late payment, especially without my consent, is misleading and harmful to my creditworthiness. 

XXXX. Violation of Privacy and Lack of Consent The reporting of my personal financial information, including late payments, without my explicit consent infringes upon my right to privacy. I did not authorize XXXX XXXX XXXX to share or report this information to credit bureaus, and such unauthorized reporting constitutes a breach of my rights as a consumer.