23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is a collection listed on my credit file for {$170.00} which is unknown to me and has changed collection offices several times I request validation. Please help me
Product: Credit reporting or other personal consumer reports

Recently I have noticed some fraudulent activity like accounts opened on my consumer report and I have not opened these accounts myself. These are fraudulent accounts and they are affecting my personal life.
Product: Money transfer, virtual currency, or money service

I tried to transfer {$15000.00} to XXXX XXXX XXXX from Bank of America in Florida. I have been with Bank of America for 15 years. I opened an account with XXXX XXXX XXXX   XXXX XXXX. On XXXX XXXX XXXX I transferred the money on line. When the transfer asked me what bank I wanted the money to go to I typed in XXXX  XXXX  XXXX. It would not take XXXX XXXX XXXX  and instead automatically put in XXXX with me as recepient.

Every time I tried to put in XXXX XXXX XXXX it kept reinstating XXXX. I finally left it and continue transfer. I thought at that time that that it just stood for a federal bank and when you made a transfer on line it did not specify the name. I continued with the transfer and someone assisted me on line with rest of transfer. I put in the account number of my XXXX   XXXX account and also the routing number of the account. I waited 3 days for XXXX XXXX   to get the money. It never arrived. When I checked the status of the transfer at Bank of America on my account on line it showed the money was transferred to XXXX with a completely different routing number and account number. So someone at XXXX has my money in their account. The routing number I put down for transfer to XXXX was XXXX. The routing number to XXXX  is XXXX. Not even close. It was changed. Also account number changed.
Product: Checking or savings account

To Whom it may concern, The checking account # XXXX I used to have with Bank of America or perhaps another checking account opened under my name without my authorization and it was reported as a delinquency account with a transaction of {$500000.00} in cash from a fraud group located in Georgia back in the years XXXX. I was never notified of this fraud transaction which is being reported in my personal background in agencies. In addition, I went to a local branch and they can't find the checking account in the system, the account is older than 7 years and it is not showing any information. 

I am in the process of a clearance and the investigators mentioned this transaction during the interview. 

I have submitted the checking account number and a previous address where i used to live when the account was active.
Product: Credit card

XXXX and XXXX XXXX XXXX 
{$2400.00} I attempted multiple times to make payments or pay off balance but company refused to accept payments through my XXXX accredited bank that I've used for decades. 
I have screen shots of the online conversation where the offer to pay was refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took time out to write a letter to XXXX, TransUnion, and XXXX on XX/XX/2022 ; stating that the collection accounts listed on my credit report were false. They did not provide me with proof of the original contract I personally signed validating this debt. 

According to 15 U.S. Code 1692g : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX activities and communications that do not otherwise violate this subchapter XXXX continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period XXXX not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Checking or savings account

I deposited {$1300.00} into a Huntington ATM not connected to a Huntington branch on XX/XX/XXXX, approximately at XXXX to XXXXXXXX XXXX the ATM had an error. It took my money. It did not update to my account. It said it was closing the money slot of atm for safe keeping called an open the dispute the next day during business hours I had to call them every day for over three weeks to get them to credit the money back to my account they just reversed the credit on my account and closed out the dispute. They said that the ATM did not reflect the money that I had deposited. they reversed this dispute as of yesterday, XX/XX/. I have called to have them re-open the dispute as of XX/XX/. I have provided the pictures of atm error I asked for camera footage they have not provided it.
Product: Credit reporting or other personal consumer reports

I have bankruptcy listed on my credit report and XXXX XXXX confirmed they do not verify this Information. They can not verify or confirm the Bankruptcy. The only place that can confirm is the courthouse and I did not provide consent. With that, all records indicating Bankruptcy via my credit report with all credit agencies must be removed.
Product: Credit card or prepaid card

In XX/XX/2018, I applied and got approved for American Express Delta Gold card. 
I had applied through a PUBLICLY AVAILABLE offer for a limited time on https : //americanexpress.com. This publicly available offer had a promotional bonus XXXX  XXXX attached on sign-up. The full terms and conditions of the publicly available offer are attached as pdf. 


Publicly available link on americanexpress.com used for sign up in XX/XX/2018 : https : //www.americanexpress.comXXXX   XXXX I faithfully fulfilled all the terms and conditions of the promotional bonus offer ( making the required minimum spending, and waiting 8-12 weeks ). Note that this particular public bonus offer did not have the restriction around " welcome bonus not offered if you have had this card before ''. 


Please provide the promised promotional bonus of this publicly available offer that was signed up through the publicly available link on americanexpress.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan for a vehicle through XXXX XXXX for a vehicle I purchased in XX/XX/XXXX. In XXXX after 20 MONTHS OF ONTIME PAYMENTS, the vehicle was stolen and when recovered was a total loss. I had full coverage insurance as well as gap insurance through the finance company on the vehicle. Once recovered, I went to XXXX impound and signed over power of attorney to the finance company so they could deliver the vehicle to the insurance company to pay the claim. XXXX XXXX NEVER DELIVERED THE VEHICLE to the insurance company and after 30 days XXXX impound crushed it and sold it. Due to never getting the vehicle delivered ( which was the responsibility of the finance company as I had signed over all power of attorney ) my insurance company did not pay the finance company. XXXX XXXX then told me I had to continue to make payments on the vehicle which I did for 1 month AFTER THE VEHICLE WAS DEEMED A TOTAL LOSS but then could not afford any longer due to having to purchase another vehicle as well as all my tools that were stolen that were in the vehicle. XXXX XXXX then proceeded to attempt to sue me FOR THEIR INCOMPETENCE but the case was thrown out by the judge. In XXXX, my insurance company finally paid out XXXX XXXX but I never received ANY FORM OF REIMBURSEMENT for the taxes, plates, my tools or any of the thousands of dollars in parts I had installed prior to the theft of the vehicle and total loss. Currently XXXX XXXX shows I have 6 charge offs on my credit report which has prevented me from obtaining housing, loans and credit cards for the past 5 years as this is one of  the only accounts on my report. I had NEVER MADE A LATE PAYMENT- EVER- and yet they are still saying I was in collections over the account and refuse to change this after MULTIPLE times contacting them as well as MULTIPLE DISPUTES. XXXX XXXX has made my life a living XXXX the past 5 years and has resulted in homelessness ( even while I was working full time- I could not find an apartment due to my credit score being so low as it dropped from a XXXX to in the 400s due to this ) yet they refuse to fix anything on my account. I have the utmost contempt for this company as they have made me suffer beyond words and destroying my life is nothing but a game to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public records the court itself did not furnish any of this information to the credit bureaus. But what I do know is that the bureaus get public records information from companies ( a.k.a. Data miners ) like XXXX, or sometimes XXXX. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database and then they sell it to the main 3 credit bureaus., because it is a violation of the Fair Credit Reporting Act to report false information .Date contact them XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an account with Equifax since XXXX, and the products I pay for monthly are Score Watch XXXX   XXXX XXXX and ID Patrol XXXX XXXX XXXX. My account with Equifax reports that I currently have two " open '' home mortgage loans. My home mortgage loan that began in XXXX was paid in full and closed with the bank in XXXX of XXXX, so should have been removed from my " open '' to " closed '' accounts at that time. Although I maintain an Excellent credit rating, leaving the " closed '' mortgage " open '' on my Equifax report is not only inaccurate, but lowers my score. I have circled back with the bank to confirm that they did notify Equifax when the home mortgage loan was paid off. It's also important to note that this home mortgage loan was closed on both my XXXX and XXXX  reports at the appropriate time. 
I have made a number of contacts to try to resolve this issue with Equifax, including calling twice and talking to a representative, and filing two disputes, all to no avail. One representative in particular was flat out rude and said he could not help me, and although I get emails regarding the status of my disputes, the Equifax system does not allow me to access the information when I click on the provided link. I have shared this problem when I called, but received no positive assistance. In fact, I was told by both representatives " I'm sorry, but the system is down and I am unable to confirm when it will be accessible ''. This is not acceptable. 
Equifax needs to correct this problem right away. I also want to pursue a refund for Score Watch back to XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

for them to investigate on the error on my credit report??
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint, it is another complaint since the first complaint was not handled fairly. 

As stated in the previous complaint I went to car dealerships applying for a car loan using my XXXX number. I did not provide my social security number because I did not want reporting on my personal credit. Despite that all the inquires listed below in addition to the FTC fraud report attached are inquired that are inaccurate on my credit report. Per the FCRA the information on my report must be accurate. If you disagree I would like you to provide me with any information you use to validate this debt on my credit report. 

The following Inquiries I did not authorize : XXXXXXXX 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 XXXXXXXX XXXX XXXX, XX/XX/2021 XXXX XXXX XXXX, XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a notification that my credit score went down because of a new credit card showing as authorized user for XXXX XXXX XXXX. I didn't apply for this credit card.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple dispute letters to Experian to remove my Public Record that was not authorized to be reported IAW The Privacy Act of XXXX. Each time the company states the information is verified by XXXX XXXX. XXXX XXXX did not have my permission to sell any information concerning me to Experian. I submitted a letter to Experian from XXXX XXXX dated XX/XX/XXXX which shows where XXXX XXXX has removed/deleted the information from my report. Experian is refusing to remove/delete the Public Record Information .
Product: Mortgage

Vanderbilt Mortgage Finance is collecting too much for escrow which in turn makes my required payment much higher than it should be. Given the amount of tax and insurance, the amount with two months cushion should be {$520.00} and they are charging me {$570.00}. They are also charging me a duplicate tax bill fee which I contacted our tax collector and they stated that this fee should not be passed on to the homeowner as they send the original bill to the lender. I am attaching my escrow information along with the email the tax collector sent to me.
Product: Vehicle loan or lease

GM financial not reporting credit information in a timely manner. As of today it has been 6 months since they have reported any credit information.
Product: Credit card or prepaid card

Regarding Capital One 's XXXX XXXX. The president sends out a communique that says we will handle etc. However, the customer service delivery group did not get that missive. I contacted CapOne yesterday to determine if I was impacted my the recent CapOne employee data breach. I reached the XXXX  customer service center ( around XXXXCST if you want to pull the call ). Her comment to my inquiry was, data breach?. She didnt even understand the word much more the answer to the question. I called back but again got the XXXX so hung up. I then called the escalation group and spoke to XXXX. He wasn't an engaged person and had trouble understanding him as well. the net is that I still do not know if I was impacted and NO MANAGER will call me back. 

I contacted investor relations in hopes that they could send my requests to the proper manager. I simply wanted to know if I was impacted by their disgruntled employee who hacked their system. 

There is a class action lawsuit ( so I am not the only one who sees that this is being handled poorly ) but I would prefer to get an answer ( and now an apology ) to my simple question. Why do big companies behave so badly?? 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I submitted a dispute claim with Aspire on XX/XX/XXXX for a return that I made VIA XXXX on XX/XX/XXXX and provided Aspire with my tracking number from XXXX as well. As of XX/XX/XXXX Aspire still has not responded to my dispute request. I have called Aspire to follow up however I just get the runaround.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting XXXX XXXX XXXX to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
BANK XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I filed a CFPB complaint against Avid Acceptance back in XXXX for the same communication issues. This company is harassing me AGAIN and making fraudulent statements. 

I respond to all communications, and yet they continue to say I do not respond to anything or communicate with them. They say they call me, yet I have received XXXX phone calls from them. I have received XXXX email communications 3 days in a row, to which I have responded to all of them. 

My XXXX payment is due ( due XX/XX/XXXX ) I am aware. I replied back to their email on XXXX asking them what number they were calling ( since I have given them my new cell phone multiple times ( XX/XX/XXXX, and XX/XX/XXXX ). 

I have received to date XXXX emails indicating they are calling me ( which they are not ), and that they have received no response from me, but I have replied to every email. 

Additionally, I get emails from multiple people. 

They stated in the email on XXXX, they have left previous messages with no response, however my call logs from XXXX, for my cell phone number, XXXX, would prove otherwise. XXXX is attached. From the date of my payment due date, XX/XX/XXXX through yesterday, XX/XX/XXXX, there are no incoming or missed calls from Avid Acceptance. 

This is harassment. Lying saying I am not replying is simply ridiculous. Email proof attached.
Product: Credit reporting

The way these companies are set up is fundamentally NOT in the favor of the consumer. 
There needs to be a simple, easy way to get a credit report and XXXX score without having to sign up for a service that you need to CALL to cancel. 
It is not simple to set up a Fraud Alert or a Credit Freeze- that requires printing out forms, But these companies make it really easy to sign up for unwanted services that should be available for free. And they do n't make it clear on their sites that what they sell you is n't something you need to buy. The services that you can buy- they should make it easy to do online. 

Enough- anyone who understands credit report process at these companies or in the Govt. must know what I 'm talking about, and can articulate it better than I can. 

All I can guess it that - what is it? Lobbying? - somehow these companies have really worked the legislation in their favor. Because as a consumer- trying to work with them is not simple or geared towards my best interest in any way.
Product: Debt collection

On XX/XX/XXXX I received XXXX letters from Weltman Weinberg an dReis based in XXXX. I reside in XXXX. The leters noted that I had student loan that totaled approximately {$19000.00} and that the original debtor wanted the money in full and now. I spoke with a lady named XXXX. She went on to note that she really was not concerned with me it was my mother who was the cosigner XX/XX/XXXX that she was after. She noted that she would settle for {$16000.00}. I asked to make payments and she continued to note that she need the full payment of the settlement. She went on to note that she had spoken with my mother on Wednesday who is XXXX years od and with failing health problems. She noted that my mother told her she did not know about any loans. She went on to tell my mother to go to the police station according to my mother and sign papers on me for forging her signnature and she would send her the papers. However she went on to tell me that as we were speaking she was processing the paperwork with the police department to have me arrested. I again asked for a installments of at least $ XXXX {$150.00} per month until paid in full and allowing her to draw a contact that if I miss a pyment all moneies become due in full but thsi was not an option.
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX 's, XXXX Act Name : XXXXXXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.