23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX XXXX XXXX  is located inside XXXX XXXX XXXX. The dealer sold me a defective vehicle that was deemed unsafe I notified the XXXX XXXX XXXX rep XXXX. She would not help. I recorded our call. After months of endless complaint the Idaho department of transportation notified me I could file a surety dealer complaint. I did so. I also submitted a revocation of acceptance letter which the finance company received and recorded they received the letter. The surety settled and all money owed and any interest was sold, assigned, transferred to the surety. I am legally not responsible for the loan. In addition the vehicle was taken by the XXXX XXXX The finance company has been aware i have sent several disputes of the inaccurate reporting of the account in addition they committed fraud at initial signing of loan. They continue to report this account that I am not responsible for and that is completely inaccurate damaging my credit a great amount.
Product: Credit reporting or other personal consumer reports

old charged off accounts and collection are inaccurate and i dispute with all 3 bureaus through there websites and they are still reflect on my report keep me from a higher credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to XXXX, XXXX and Transunion with no response about removing old addresses that do not belong to me : Transunion is reporting inaccurately : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, AR XXXX XXXX is reporting inaccurately : XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX is reporting inaccurately XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

I was part of the XXXX and received payment last month. 
I was told that the foreclosure should and would not be on my credit report. I learned that it was and disputed it with all XXXX credit monitoring servicers. 
I told the companies that i was involved in the Independent foreclosure review and they still would not remove because of BANK OF AMERICA responded to them stating it was accurate. I was involved as a member of the the UNITED STATES XXXX. I have only a check stub stating the amount and reason why the check was issued. That is the only documentation the bank will give based on the settlement agreement with the federal government.
Product: Debt collection

I filled bankruptcy for my home at XXXX XXXX XXXX XXXX XXXX NY and for my car XXXX XXXX  XXXX XXXX XXXX. I wasn't able to to keep the house and lost it to a foreclosure sale. As time went by i still struggled financially, the car payments got further and further behind which lead to aggressive debt-collection tactics and a large past due balance. Keeping the car was extremely essential to me as i have a son who is XXXX and that's my only source of transportation to and from my sons doctors appointments as well as any job i am able to get. The car was recently repossessed. While being repossessed it was damaged by the tow company XXXX XXXX XXXX XXXX XXXX. I spoke with someone at the tow company once about the complaint, They were extremely hostile, threatened to throw my personal items away that they removed from the car. However they didn't throw them away but when i went to pick them up they were soaked in XXXX and covered in mold. I know this was in retaliation to the accusations i made about the damage to the car. I tried numerous time to reach out the the tow company to file a complaint and provide proof of my claims. They wont answer the phone or respond to any emails. I filled a complaint with Credit Acceptance, they denied the claim stating Its XXXX XXXX XXXX words against mines '' stated by XXXX XXXX. My words held no weight because im just an individual who is late on payments, they could care less simply because if i dont pay they take it again and sale it at auction to the next person and the damaged are the next person problem. My car is currently undriveable due to the damages cause by the XXXX XXXX. Ive expressed this multiple times and provide proof. They are still threating repossession and well as resuming collection calls. I pay {$530.00} a month to try to keep the car now im stuck with {$6500.00} in damages that were not cause by me. These guy are willing to review the facts they just want money money money, and blood. the are predatory practice these guys are engaging in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, 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, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$76.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$59.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$750.00} XXXX XXXX Original Creditor : ) XXXX Balance : {$84.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX.
Product: Prepaid card

I purchased three XXXXXXXX XXXX XXXX a week ago, each loaded with {$500.00}. When I tried to use them on multiple days, they didn't work. They all decline any attempted transaction. These cards have never worked for me. The company has recently put additional restrictions on the use of these cards, causing them to decline when their customers use them to make normal purchases. Sometimes they work ; sometimes they decline for no apparent reason. Perhaps this is a business strategy to keep the funds customers loaded to the card. When I call the company to resolve the problem, they keep me on hold for a very long time. Then the person speaking to me is very difficult to understand. Their representatives tell me the problem is fixed, and I should just to use the card again. When I use the card again, it declines... again. When the company responds to this complaint, they'll provide a copy/paste response stating they are protecting the cards due to suspected fraud. This is a lie. Normal transactions decline. The same transaction will often go through on another one of their XXXX XXXX XXXX. At times several cards will decline, and will not work even with future attempted purchases.
Product: Checking or savings account

I am filing this complaint on behalf of XXXX XXXX XXXX. Paypal seems to be reluctant in paying XXXX XXXX to their alleged valued customers. As you will see from this video first I disputed XXXX ATM charges and then I looked in the XXXX XXXX XXXXnd neither of the XXXX transactions were listed. 

I think that it is really ridiculous when a company of the magnitude of PayPal would stoop to such lowly ways and means as to XXXX a long time customer out of only {$800.00} since XX/XX/2000 and many accounts that date back before that even. 

PLEASE NOTE THAT YOUR UPLOAD FOR VIDEOS HAS MYSTERIOUSLY QUIT WORKING AGAIN EVEN THOUGH IT WAS FIXED AND I DID UPLOAD VIDEOS IN PAST COMPLAINTS. 

Video so you can see the problem as the longtime customer sees : XXXX XXXX XXXXXXXX
Product: Credit reporting

I had recieved a copy of a background check from a prospective employer, and it had wrong info on it, so I looked up the XXXX credit agencies online to get my free report from each XXXX. Transunion had the advertisement of XXXX a full report free online, i clicked on it and it didnt give me the free info, said that it was a {$1.00} to get the full report and to be able to continue to check my credit with them. So i entered my debit card info, but three months later, I was check my bank ststements for a bill charge I had paid, to see if it went thru, and noticed i had been charged by transunion 4diff times, over three months, and that I had incrued overdraft charges on my account the same days, due to not being aware that they were actually charging me for the " {$1.00} '' service. I went online to complain that i never signed up for anything other than their XXXX {$1.00} program, so i could check my history, there wasnt a way to do it online, i had to call, and the guy i spoke to said i had enrolled in a program to have acess to my credit info with them all the time, i said no, it was the program for a {$1.00}, and that they had charges me {$16.00} for the past three months and that i got overdraft charges on my bank account because of them. He stated they had nothing to do with that that i would have to talk to my bank. I said that they needed to refund the charges to me, and he said he could not, i said i wished to cancel, and he started saying all this stuff about how their program was vital to make sure i didnt get identity theft and to make sure it was 100 % accurate, i said i just wanted to cancel, he had me on the phone for about XXXX telling me all the " great and wonderful '' aspects of their program. Finally, he transferred me so i could cancel the program. I spent about 1 1/2 hours on the phone, disputing the charges and trying to cancel. After I got off the phone I called my bank, and told them that transunion was only supose to have only charged me for {$1.00}. My bank refunded the first {$16.00} charge. But i had already paid the overdraft fees, so I left it at that. But, seeing the info on your site, I figured I would put in a complaint, because it really wasnt clear that they were enrolling me in another program, and that they would be able to charge my bank account for other amounts than what i had authorized. And i think that they should pay people back for the overdraft charges if the charges were incrured because people werent aware of the additional fees they charged.
Product: Mortgage

I was told by my lender that I refinanced by loan in XX/XX/2006 but that is not true. My payments continue to increase and my balance is not decreasing. I am not going to own my home if they do not fix the problem. My principal balance is too high for a home I have been paying on for over 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent applications may have been submitted in my name by two companies and may have been used to apply for credit or purchases without my consent. I have contacted in XX/XX/2022 XXXX XXXX XXXX XXXX and the representative claimed there is no record of me with any account or application for credit. I also contacted Syncb/Amazon XXXX XXXX XXXX and the representative stated she could find no record and would resolve the matter and report to have the inquiry removed. I have not heard from any of the companies and my credit report still reflect these inquiries. Finally, I submitted a fraud report to XXXX and was instructed to file a report with FTC.gov and was directed to CFPB.
Product: Checking or savings account

I made a cash deposit at the ATM at XXXX XXXX XXXX in XXXX md XXXX on XXXX the XXXX 2025 for XXXX dollars and was only credited XXXX i filed a complaint with TD Bank they denied my claim the same day there's no way they did an investigation that fast. I made another deposit at the same location same ATM on XXXX the XXXX 2025 for XXXX and I was only credited XXXX dollars they also denied that claim TD bank is known for denying all ATM claims without a legitimate investigation this has happened in the pass and i followed up with TD Bank and showed proof I even went into the branch like I was told and still was denied with some previous conversations with someone from customer service told me that the new ATM machines causes alot of problems there was more said in that conversation from customer service that would validate my complaint.
Product: Debt collection

As per the FDCPA a debt collector is not allowed to disclose or willingly give up the company name in regards to the debt they are trying to collect and Midland Credit did to my friend, my old roommate. I have the call recorded and it comes to my understanded I should be compensated for this and them fined. Please start your investigation and allow me to send you the call. 

XXXX XXXX
Product: Checking or savings account

Amount : XXXX Reason : XXXX - account closed Date : XX/XX/ Name : Deposit to Fold Card Type : One-time Source : XXXX XXXX Destination : Fold The Fold company closed my account when I initiate my first transaction. I was charged, however, I didn't get a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did forceful file of taxes for 2008 which in turn they file judgement for {$6200.00} which I did n't own. They later release the lien. I reported to all their credit bureaus but Trans Union refuses to remove it off my credit report.
Product: Credit reporting or other personal consumer reports

I applied to a credit card but got denied because they couldnt see my equifax report. I called equifax so I can see my credit score and have them share it however they told me that they arent reporting without giving me the reason.
Product: Credit card or prepaid card

Goldman Sachs Apple Card unlawfully declined me of a deferment Or payment option when I got behind on my payment due to hardships I am currently thirty days past due and I have contacted them several times and they declined to give options. My card is closed and they still wont give an option for hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, and XX/XX/2024, I requested debt validation per the Fair Credit Reporting Act, 15 U.S.C. 1681g, 1692g Sec. 809 ( 8 ) and notified the merchant that this debt was identity theft. I provided a copy of a police report and detailed letters. The company did not respond with validated information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the conduct of Equifax, a major credit reporting agency. I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by not following proper procedures in verifying account information and reporting bankruptcy data. 
Upon reviewing my credit report obtained from Equifax on XX/XX/year>, I discovered inaccuracies related to a bankruptcy filing. It has come to my attention that Equifax did not directly contact the furnisher of the account, as mandated by law. Instead, they relied on third-party verification processes, such as PACER ( Public Access to Court Electronic Records ) and XXXX, which are not adequate verification sources according to the FCRA. 

This violation has had a detrimental impact on my creditworthiness and overall financial standing. As a result of the inaccurate reporting of bankruptcy, I have faced [ describe any specific negative consequences, such as denial of credit or higher interest rates ]. 

Although I have initiated the dispute process with Equifax to rectify the inaccuracies, I am deeply concerned about the broader implications of their failure to comply with the FCRA. It is crucial that credit reporting agencies adhere to the law to uphold the integrity of consumer credit reports and protect consumers ' rights. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their non-compliance with the FCRA. Additionally, I seek assistance in resolving the inaccuracies on my credit report and ensuring that my rights as a consumer are safeguarded. 

Thank you for your attention to this matter. I anticipate a prompt response and resolution of this issue.
Product: Debt collection

XXXX XXXX claimed I owed money on a shipment from overseas. I asked the shipper to pay this bill. They did not. XXXX XXXX sent me several bills while I was trying to get the shipper to pay. XXXX sent my account to TransWorld Systems , Inc. for debt collection. Meanwhile I paid off XXXX XXXX. Transworld continues to send me collection notices even though this debt is paid. I would like them to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom is reading this. I am writing this because I am being told by XXXX and XXXX that somehow I am not a real person who's writing to them and all this nonsense. I tried calling all 3 credit bureaus and could not get anyone on the phone to speak to. I sent in my ID and social security card along with a fraud report and was told Im a liar and its not me. I don't know what these crazy people want me do to prove its me. I am the victim of identity theft and someone stealing my information and now I'm being treated like the criminal and its not fair at all. I don't know who stole my information and for all I know it can be the same companies asking me to keep sending them my information. These companies should have already received my paperwork that it was fraudulently opened and I don't know how in the world they would expect me to pay on something that was not mine. If I have to, then I will just also report this to the better business bureau and also the Attorney General for help with this issue. I already see that these 3 companies are being sued almost every day for their fraudulent business practices themselves. I would just like for this fraudulent information to be investigated and taken off my report because its not mine. these companies wrote me letters saying they sending it to the company to investigate if its mine or not and my question is, how in the heck are they going to know if its mine? nor do they even care to spend the money and investigate my issues. They just want me to be a XXXXXXXX XXXX XXXX and pay the money for any fraudulent account that shows up. So their investigation will not be in my best interest anyway. Please do the right thing and remove theses fraudulent accounts from my report, because having to hire a lawyer to get it off and then sue is just a waste of my time and their time and money. Thank you for listening and my apologies for my rant, but this is just ridiculous I documented a fraudulent report and then then tell me I'm lying, its very unacceptable.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  XXXX This account is listed innacurately amongst all XXXX credit bureaus. The " Date of Last Activity '' is showing a different date each for XXXX, Equifax and XXXX. 

Under 15 U.S.C. 1681i Paragraph ( 5 ) 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. 

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Product: Debt collection

This complaint is being filed against Stellar Recovery in regards to the above reference account that Stellar Recovery Inc. Has illegally reported and listed on all XXXX major credit reporting agencies ( XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Stellar Recovery Inc. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency is reporting me as deceased and I am unable to obtain credit. I sent a copy of my drivers license, social security card, bank statement and recent check stubs and the information has yet to be corrected. I made initial contact XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disappointed to see late payments on my credit payment history with CAPITAL ONE, I tried to reach out to them but no reply ... They said that I am late on paying last XXXX 2019. The thing is I don't remember being late on paying my obligations, or else I did not receive the bill for me to pay on time. I appreciate you help with this. Thank you.