23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX, Lvnv funding, XXXX have all refused to validate or show any signatures or photo ids used in this fraudulent activity against me.What they report is untrue, incomplete, and inaccurate... in fact it's fraudulent and they know it.This is fraudulent what these entities are slandering my credit report with causing me great distress and and XXXX of multiple other damages and the know it, can't validate, as it don't exist, it's not mine, and I do not owe them anything.In addition to their fraudulent credit reporting, thereby engaging in fraudulent activity against me themselves they in addition to the great damages they have caused have violated many rules and my rights.I have nothing to prove to them, their predicated and mandated to prove to me through validation which they have refused to do as they cant as it don't exist, it's fraudulent, it's not mine and I don't owe them anything.In addition after failing to adhere in good faith to the rules the have been told to remove as what they report is supposed to be accurate, complete, and truthful and its none of these in fact it's fraudulent.Theyve further violated multiple times more with XXXX and XXXX and have been officially put on notice of which they violated cease and desist among other dishonest tactics of trying to gain off of their intentional fraudulent credit reporting.Will not hsppen.They all have been put on notice for their dishonest fraudulent and damaging violations against myself.Remove all fraudulent credit reporting against me as you all have been put on notice and totally disregarded that as well which adds to the list of violations as and dishonest fraudulent damaging activity all entities listed above have engaged in blatantly with total disregard for rules and my rights or just honesty in general.Again stop engaging in fraudulent credit reporting against me.It is fraudulent, it is not mine, and I do not owe anything. 

In addition : All have been officially put on notice they didn't even have my address til they seen it on my complaint against these frauds on my CFPB complaint, at which time they attached my real address to their fraudulent credit report against me to make it look more credible, but were caught.You failed and your scam is exposed and has been put officially on notice you've all shown total disregard for still.This is not acceptable, its outrageous and disturbing and their dishonest fraudulent practices should never be allowed.All lies against me and my name will not be tolerated.
Product: Debt collection

I have been defending this money they are trying to collect, XX/XX/XXXX. I spend XXXX of ours to keep them from reporting falls report repeatedly for amount that has been removed luck of verification many times from the XXXX credit bureau. last year i file a complaint against and ... Bull City located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. My case went on till XX/XX/XXXX ; My complaint to this agency did n't stop Bullcity from getting my score information from credit bureau, which is illegal for them to do, it is against FTC law, they did't care, so any time they found out my score going up, they report it back, an amount that once and many times removed by changing the date of the report or slightly the amount. 

On XX/XX/XXXX negative report was reported as new complaint, even though, it was from XX/XX/XXXX, XXXX amount was reported two times to do more damage to my credit history. This is the same amount and case filed complaint to this organization XXXX XXXX XXXX last year. I spent hours of my time seeking solution, there was non, it seems this collection department has a license to harass and rune innocent citizens life.If any body is out there similar problem with this collection agency please contact the FTC as soon as possible. 

I tried to use the 90 day freeze policy by the credit bureau for fraudulent report, They wait till flag time collapse, they use, affiliated collection companies to enquire about my score and credit history first, my score is high they foudout, then they report it as new, for the intention to reduce my score. It became personal, they are working for third party an enemy who is known to me, to create problems around me. I do believe they are hired. 

Without the help XXXX, they will not have a chance to violate my rights, by law credit bureau should n't report an item once disputed and removed many times, but they did.
Product: Debt collection

Apparently i resolved this item with a previous collection agency and now this company Convergent is collecting on it. The other collection agency aknowledged that they could not collect, but now this company is starting to collect on this XXXX item. They sent me some blank pages with my personal data on it making it look like if these were my billing statements from XXXX. I want a letter from XXXX on XXXX letterhead and with XXXX contact information letting me know that they have authorized this company convergent to attempt to contact me and to attempt to collect. Also a letter from convergent which says they are licensed to collect here in the state of florida. also please send me all of my XXXX light bill statements which are on XXXX logo and letterhead with their address and phone number on it as well.
Product: Debt or credit management

Lexington law had me pay them to help me fix my credit and they never helped with anything I just paid
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights per 15USC-1681-602-604A SEC 2 : I have a right to privacy thus a consumer report agency can not furnish an account without my written instructions.

In accordance with 15USC 0 1666B : A creditor may not treat a payment/Credit Card account under and open ended consumer plan as late for any purpose. 

XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I called XXXX to replace my glass.  They came to my home XXXX to replace a window, XXXX times they brought the wrong glass. Because They did not bring the proper glass, I told them that I don't want them to attempt a XXXX time. They went ahead and ordered a new glass regardless.They charged my credit card without my authorization. Now they are trying to collect but I NEVER SIGNED A CONTRACT NOR authorized a XXXX glass. XXXX sided with me.  They have sent me to a collection firm. I have requested the contract from this collection firm according to The Fair Debt Collection Practices Act 15USC 1692g  however I have yet to receive the paperwork.
Product: Credit card or prepaid card

Back onXX/XX/XXXX six transactions in the amounts of {$69.00}, XXXX, XXXX, XXXX, XXXX, and XXXX were supposed to be disputed from XXXX due to me not receiving the merchandise. As a result, the representative informed me after receiving the other dispute forms for the transactions XXXX, and XXXX that i have nothing to worry about the other 6 disputes was taken care of. as a result 5 months later after constantly calling XXXX XXXX and the merchant XXXX i never received my refund or my merchandise i spoke with someone on XX/XX/XXXX by the name of XXXX who was a supervisor who made the horrible comment of " it 's nothing we can do about these other disputes because it is out of the 60 day time frame ''! I stated to XXXX how dare you put the blame on the customer because of the employee mistake because i specifically told the representative about the other 6 disputes so clearly it is not my fault. let alone i included the other 6 disputes on the second dispute form that they 've received and still stated that they 've never received it.
Product: Credit reporting or other personal consumer reports

Trans union failed to delete several accounts that dont belong to me and I didnt open and the have bad information on other debt plus the time on file exceeded 7 years and still liisted
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 informationisinaccurate.
Product: Mortgage

On several occasions, I have tried to resolve issues over the phone. First trying to get through to an actual human being is very difficult. During this recent call which was today I was trying to ascertain if NewRez is keeping my escrow payments and paying off my property taxes. I was able to speak to someone to provide them some more information and of course they could not answer so I am placed on hold. I waited for several minutes and then they hang up the phone. Again I have to call and now the number does not work! I tried several times! Every time I contact this company it is not customer friendly and quite the opposite.
Product: Credit reporting or other personal consumer reports

I'm asking for your support regarding this inaccurate account listed on my credit report. It's damaging my reputation, and I need your help to address this issue.
Product: Credit card or prepaid card

I founded my Macys credit card was charged with out my authorized and I didnt recognize the purchase.
Product: Debt collection

I received a phone call today from a lady in XXXX state stating they are a 3rd party legal and attorney service and wants me to give my phone number and address to them for a XXXX legal matter. I have not lived in XXXX since XX/XX/XXXX. I pulled my credit reports today and found this new collection account on my XXXX. Please remove this account from all XXXX reports.commonwealth financial systems acc XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXXCollection account. {$270.00} past due as of XXXXYour report number isXXXX Report date : XXXX
Product: Credit reporting or other personal consumer reports

This complaint is not a mistake and was not sent in error. I have continuously sent disputes for the companies to be able to handle this inaccuracy on my report and it has come to my attention that the accounts are still inaccurately reporting on my credit. Please re-investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, The debt collecting company XXXX XXXX XXXX XXXX Brought a debt from XXXX XXXX XXXX. And has reported this debt to my consumer reports accounts with out prior consent. Not only has this affected my credit report negatively, but I have also been discriminated against by banks and lenders which ultimately affects my family. These abusive practices has hindered forward growth.
Product: Debt collection

I.C. SYSTEM, INC contacted me on a debt from a utility agency that they could not accurately communicate date of service. I did not reside at the address provided for over 7 years. This collec tion agency also failed to properly send any documents or letters advising of the debt and service date for the alledged debt. I did not reside at the address they claimed I resided at at the time of the service date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an answer to the previous dispute I posted yesterday XXXX to Equifax. They responded by stating that they verified the chapter XXXX bankruptcy with a third party XXXX XXXX. This is a not true statement seeing that a freeze has been placed on my account. I would like them to provide me with proof at this point that they are getting this information from them because. I have received something from XXXX XXXX  that there is a freeze on my account. I will attach the document.
Product: Credit card or prepaid card

On XX/XX/XXXX payment was made of {$3500.00} .. then they done a payment correction of {$3500.00} on XX/XX/XXXX..they added {$3500.00} to my balance,, I called they told me they would correct this.. then again they did a payment correction of {$3500.00},, when they did the correction they added {$7000.00} to my account .. i called 4 times they told me my XXXX went to another account i have no other account?? with interest charges and other fees my balance went from {$3200.00} in XX/XX/XXXX to {$1100.00} in XX/XX/XXXX
Product: Debt collection

I have a a unverified account from ERC # XXXX. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date XXXX XXXX XXXX the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

Failed to respond to dispute XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/24 within 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I went on Navy Federal Credit Union to see about getting a pre-approval for a used car loan to check their rates. When I realized that there is no pre-approval option for a loan, I stopped and did not submit the application. 

They did a hard pull on my credit report, even though I did not submit any application. They said that they disclosed this at the beginning, so I must have missed this. It was not clear to me that a hard credit pull would be engaged simply starting an application. 

It is a bad business practice to pull a hard credit report in an inquiry that was not submitted and a disservice to anyone that they allegedly provide customer service to. 

Only once an actual request is submitted should a hard credit pull be authorized. There should be a clear notice that they, unlike most other financial institutions, do not and will not process a loan for pre-approval so the consumer can gauge their status should they decide to get a loan with them. 

It harms those seeking the best rates and terms among various lenders when no application was submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX XXXX changed its credit cards from American Express to Citi cards. I had automatic payments set up for American Express. I told XXXX representatives that I did not want to open up a new citi card and agreed to closing my American Express card. Since I had automatic payments set up for my American Express, all fees should have been paid for, but Citi opened up this credit card under my name without my consent. Never did I call to activate this card nor did I sign to open this card. Instead my membership fees for XXXX was transfered over to this new Citi card without my knowledge. Around XX/XX/XXXX, I was in the process of selling/buying a home when my credit report was pulled out. This is when I first realized that I had fees and an activated card without my consent. I immediately called Citi credit cards and paid the remaining balance. I explained my situation and the representative apologized and said that this was a common complaint. She then refunded me the late fees that I was being charged. She then said that she was going to remove the lates and that she would close the account. Come to find out in XX/XX/XXXX Citi never made the changes but account was closed and paid in full. Now after numerous attempts with Citi, the continue to disagree and will not take off the incorrect late reportings for XXXX, XXXX and XX/XX/XXXX. It is inaccurate reporting and unfair for me especially since I am trying to buy a home. This is affecting my once pristine credit score. Please have Citi remove these lates from my credit report as they have refunded me the late fees.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that I had a collection I was in fact never late on or have knowledge of. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included screenshots of inside this complaint, on dates XX/XX/XXXX to XX/XX/XXXX for account # XXXX. This is in complete violation of 15 U.S Code 1692 and are hindering my right to credit due to false reporting. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I DEMAND these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. I will also attach an invoice for damages and opportunities missed due to false reporting. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to verify public reports on the below dates. They came back unchanged/remain. I check with their source XXXX XXXX and nothing is reporting to them for a public report. Experian will not confirm where they are getting this information to report in the public report. They refuse to put in dispute again even with a copy of the report from XXXX XXXX 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Chargeoff Balance Error : This account is incorrectly being reported as a charge of account with a balanced due. Please provide proof of the charge of and update the balance to {$0.00} or delete the negative payment status on said accountaccounts. fcra 605b said consumer alleges identity theft, The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The law requires companies to delete disputed unverified information from consumer reports as the consumer acknowledges here and today that XXXX XXXX XXXX XXXX is a UNVERIFIED ENTITY in which the debt of {$920.00} is XXXX XXXX XXXX OBLIGATION to Settle not the consumer. For the harm caused by XXXX XXXX XXXX and TRANSUNION for false representation with the intent to Defraud and Deceive the consumer, compensation is demanded by said consumer in which XXXX XXXX XXXX and or TRANSUNION shall Pay to the order of the said consumer, {$5000.00} contact consumer for further instruction on where to send payment. 

Also Consumer tried calling XXXX XXXX XXXX at there contact number XXXX ( XXXX ) XXXX given from CFPB complaint, but it's no way of speaking with a Live Agent as the contact number given by XXXX XXXX XXXX is an AUTOMATION SYSTEM which can't nor provide help in speaking with a Live Representative to settle the issue at hand, which is another violation to Defraud and Deceive the consumer. 

ALSO REMOVE ALL INQUIRIES XXXX INQUIRIES TO BE EXACT WHICH HAS BEEN DELETED ALREADY BUT NOT REMOVED FROM THE CONSUMER 'S CREDIT ACCOUNT IMMEDIATELY.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022. I went into TitleMax on XXXX XXXX in XXXX Georgia took out a {$8000.00} loan. I have not missed a payment. I have been paying over the monthly amount to this day. I have given them over {$12000.00} back and for about four months now theyre saying I still owe them {$6000.00} and each month my monthly payment either goes up or down depending on how much money I give them over, my balance is not dropping. I tried contacting corporate office. There is only one man that answers the phone and does nothing but connect you to the office where you got your loan from. I tried speaking with them, asking them why my balance is not dropping and basically I was told unless I walk inside with the full amount, the balance is not going to go anywhere and I have six months to move out of my house me and my children because I cant afford this anymore and these people do not care they are taking advantage of people and they need to be stopped. I can not afford to keep paying them more than I paid for my car which was XXXX. I have been doing reviews on XXXX nothing is working. I I plan on finding a suitable affordable lawyer to look into this matter. I have asked for my paperwork so I could match up the numbers of interest from when I sign my life away they wont give me that as well. Unfortunately my home had a flood and all my important documents got damaged on TitleMax webpage. It wont let you even view your documents. I will be going back inside the store to ask for my paperwork again Im good with remembering numbers so I will see if it adds up.