23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello My name is XXXX XXXX resident of XXXX XXXX XXXX XXXX XXXX az XXXX. I have been getting court letters from a collection company name Law Offices of James R Vaughan Case # XXXX. I was victim of family fraud and someone on my behalf used the credit card and credit had a balance of {$9600.00}. This is with chase bank. I called chase bank and they said the balance is still {$9600.00}. The collection company has been charging the interest fee and made balance of almost XXXX. Even though I dont owe due to fraud, I still tried to settle it but collection company is not agreeing and kept saying chase is not accepting any settlement. I called chase, they said the balance is charged off, so I dont even have to pay anything on this card as It is charged of and will remain on my credit. The collection company keeps threatening me and sending garnishment letters to my part time employment. I am trying very hard in this pandemic to make some income but they are not ready to talk to me. I spoke with XXXX from the Law Offices of James R Vaughan today XX/XX/15 and he just hung up by saying no offer. you have to pay XXXX and interst will still keep accruing. It is affecting me mentally and I am not in a condition to hire a lawyer. I tried reaching out to one lawyer and they said Bankrotcy is an option. Well I dont want to ruin my credit for ever by filling bankruptcy when I ready to make settlement and collection company is not ready to work with me, The case was disslved in XXXX XXXX and they again renewed it. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it shows I was an authorized user on an account which is XXXX XXXX beginning XX/XX/XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, payments for XXXX, XXXX, and XXXX were dropped off for XXXX. XXXX XXXX says they had no reason to go back to XXXX and XXXX and drop off payments.You are violating the Fair Credit Reporting Act.
Product: Mortgage

On XX/XX/XXXX I requested a title search of my property. I learned that my partial claim was recorded twice. On XX/XX/XXXX I reached out to HUD, they told me what I already knew, I only have one partial claim and to reach out to my mortgage company loss mitigation department regarding the error. Which I did and provided a copy of my title search showing the {$5900.00} partial claim recorded twice with my county. I had several communications via phone and email. I was told on XX/XX/XXXX by the mortgage company that given the circumstances this will be expedited with their lien release team within XXXX week no guarantee. XXXX made XXXX weeks. Meanwhile I reached out for an update on Monday Tuesday and Wednesday. They're acting as if this is the initial contact regarding this situation. I'm back at square one when I brought this to there attention on XX/XX/XXXX. This is a time sensitive matter which they are aware. I can't speak to anyone except customer service, the escalations, and chat leads. I've been repeating myself for over a month about an error that was done on their behalf. I feel stressed because I can't seem to get any help. I provided the proof everyone is in agreement I only have one partial loan and it's recorded twice with my county Mr.Cooper needs to rectify their mistake.
Product: Credit reporting or other personal consumer reports

Mohela continues to not follow the court orders regarding the case XXXX vs XXXX. Mohela does advise me that my student loans have been discharged, however, they refuse to take the information off my credit reports. 

Additionally, I have not yet received my loan refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to Transunion, XXXX, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reporting as a charge-off with a {$6000.00} balance. 
XXXX XXXX being reported as a collection without validation. 
Duplicate reporting of XXXX XXXX and XXXX. 
XXXX XXXX being reported without permissible purpose. 
2. Fair Resolution : Demand Experian : Delete inaccurate and unverifiable accounts.

Conduct a manual investigation. 
Cease reporting collections without validation. 
Remove unauthorized hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a refinance on my home and was told that there would only be XXXX inquiry but in fact, my credit was pulled multiple times by a few different lenders. When I was presented with my credit report, I noticed other inquiries that I did NOT approve. This is my XXXX request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IDEAL COLLECTION SER ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you IDEAL COLLECTION SER or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : IDEAL COLLECTION SER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DISPUTE To Whom It May Concern, The nature of my dispute is I am contacting Experian representatives and I am trying to give you the opportunity to resolve this dispute. PLEASE UNDERSTAND. Experian has been discriminating against me on multiple occasions. I have tried multiple occasions I have called sent in disputes and even submitted online complaints. This company has caused me unwanted stress and has caused my XXXX XXXX to rise and has caused me tremendous financial hardship. 

As a protected CONSUMER please remove these inaccuracies from my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AND PLEASE DELETE THE 16 UNARTHORIZED INQUIRIES ALSO Please understand an answer of " VERIFIED '' or " BEEN VERIFIED '' IS NOT a pertinent nor a legal response. I am allowing Experian 7 calendar days from the date that you receive this notice to CONFIRM, VALIDATE and FURNISH any documents that show that I am LEGALLY bound to pay these ALLEGED DEBTS and who authorized these inquiries on my consumer report. In the event that you fail to provide LEGAL and LAWFUL responses it will result in further action.

THE RELIEF ( DEMAND ) THAT I AM SEEKING IS TO DELETE ALL THE ITEMS ABOVE AND PAY ME {$16000.00} FOR CIVIL LIABILITY FOR NEGLIGENT NON-COMPLIANCE UNDER 15 U.S. CODE 1681o.

PLEASE UNDERSTAND IF THIS MATTER IS NOT SOLVED YOU WILL BE HELD LIABLE AND THIS CLAIM WILL BE USED AGAINST YOU
Product: Credit card

I received a Visa eGift Card as a gift from my daughter. She purchased if from XXXX. The card was used at XXXX last year. I have been trying to use it at XXXX but it is being declined, both in the store and on line. 

I called the customer service for this card to find out the problem. They told me that due to security issues it won't work at XXXX and I should try another retailer. I escalated the call and was told the same thing. I asked if it is being declined by XXXX or Visa. They said Visa is declining it due to security issues. I asked how to fix it or avoid the problem. They said the only thing I can do it keep trying it at other retailers until it works. I asked for a refund on the balance of {$34.00}. They said no. 

Their voice system shows the card as active with a balance but when I try to check it on their website I get an error message saying a system error has occured, try again later. 

It is advertised as being used any place that takes Visa, but that does not appear to be the case. I called Visa customer support. They said the ecard was issued by another party and they would put me through to them. She did say that a supervisor at the issuer could issue me a refund. The automated system at the number she sent me to disconnected me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX. 

Experian po box XXXX XXXX, TX XXXX. 

Request for Credit Inquiry Removal Incorrect address Incorrect credit Report. 

Dear Experian, I am writing to dispute an unauthorized or inaccurate credit inquiry on my credit report. Below are the details of the investigations in question : 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 

Unauthorized inquiry, no credit application was submitted I did not authorize this inquiry, nor did I apply for credit with the company mentioned. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inquiries that I believe are unauthorized or inaccurate. Also, the addresses listed on my credit report are incorrect. 
I kindly request that you investigate this matter and remove the inquiry from my credit report if it is found to be invalid. To assist in your investigation, I have included the following documentation : 1. A copy of my credit report with the inquiry highlighted. Please notify me of the results of you
r investigation as soon as possible. I appreciate your attention to this matter and look forward to your prompt response. If you require additional information or documentation, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your time and assistance. 

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

In 2018, after a wrongful termination, I remained in contact with Toyota Credit in an effort to keep my car. As I began to fell behind, it was determined by Toyota reposession was the only option. The representative explained the process and informed me the car woud go to auction and then I would receive a notification letter if there is an outstanding balance. After having the car detailed, I met the reposession gentleman, handed the keys and that would be the last interaction with Toyota. 

After 4 years of silence I received notification from XXXX XXXX stating I owed {$9400.00} and how would I like to take care of the balance. That is the amount on my experian credit report. I never received a deficiency balance notification after the auctionn of the vehicle. On my credit report, it states the original balance was {$14000.00} and the lease was for 40 months. I disputed the amount owed through experian. I made 23 months of payments at $ XXXX which equals {$11000.00}. If the original amount was correct, then my outstanding balance should be {$2900.00}. Also I questioned the deficiency balance since a notification of an updated balance after auction was never received. 

I reached out to XXXX and informed them of my dispute due to the errors on my credit report. I also requested a verification of debt letter from them which as of yet has not been received. 

I received notification from XXXX today regarding the dispute. The information provided was the original amount of the debt is correct. Then the amount owed is incorrect. Also I do not know if the balance was updated post auction. I was paying {$490.00} /mo on a 40 month lease that comes to {$19000.00}. A {$5400.00} difference than what is reported. 

Their contact number on my credit report is not provided so I am unable to call them. I need some help getting this matter resolved. After being homeless, I am concentrating on my credit and getting my life restored. I appreciate any and all help. Thank you.
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 confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, last activity date, and more are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

15 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 inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

under Fcra company has 4 days to remove inaccurate items. Items are inaccurate and fraudulent and are against privacy law violations. Illegal reporting of charge off by XXXX XXXX. And illegal reporting of charge off credit by rent debt collections XXXX. Privacy law violations
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 confidentiality under 15 USC 1681. 

XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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 inaccurate.
Product: Credit reporting

I try to dispute items and was unable to dispute online. I keep getting error message with new credit report I view online on Sunday XX/XX/2017 and copy the newly updated credit report from Experian. Now, I am questioning late payments history. 
I am questioning the negative late payment history on my credit report Prior late payments will remain on my credit report for no longer than XXXX years from the date the delinquency occurred. 

I thought those negative late payment history is supposed to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

They paid out of my escrow my XXXX insurance yearly premium in XXXX and then subsequently paid out {$4000.00} in XXXX to their own insurance company and have not refunded. They lied about docs and said it was XXXX but I connected XXXX on call and XXXX confirmed they received payment and which notices were sent out. I feel that they are scamming people who would not catch this and getting kick backs from their assigned outrageous prices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Payday loan, title loan, or personal loan

I called Buckeye Lending Solutions on XX/XX/XXXX to inquire about settling my balance of {$450.00}. I was told that the debt had been sold XXXX XXXX. I then contacted XXXX XXXX on this same day and settled the account for {$380.00} on XX/XX/XXXX. I was told by a Debt Collector at XXXX XXXX that this account would be reported as settled. I have contacted XXXX XXXX on 3 different occasions and have gotten the run around. XXXX XXXX then stated that Buckeye Lending Solutions is responsible for reporting to the Credit Bureaus and vise versa. I have made atleast 3 disputes regarding this matter in the past! Please Help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Vehicle loan or lease

I purchased a used XXXX XXXX XXXX paid off on XX/2017and I never received the title of the car. EXETER FINANCE claimed that the car title was sent to a secondary address, which never was received. I Called and requested the car title to be sent to my primary address and I never received, either. EXETER FINANCE explained that was sent several weeks ago, before the holiday season started. But, I am still waiting for the car title.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/2023
Product: Debt collection

This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.