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

I was shocked when I reviewed my credit report and found late payment on my credit report : FRD MOTOR CR XXXX   XXXX  XXXX Account # : XXXX XXXX XXXX High Balance : {$31000.00} {$31000.00} {$31000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Closed Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Finance/Personal Auto Financing Auto Financing Account Status : Closed Closed Closed Payment Status : Late 30 Days Late 30 Days Late 30 Days Creditor Remarks : Closed -- Closed or paid account/zero balance Auto Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : 72 Month ( s ) 72 Month ( s ) 72 Month ( s ) Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Auto Loan Auto Loan Auto Loan Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- unkown unkown Two-Year payment history unkown XXXXunkown OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK 30 days late OK OK OK OK OK OK OK OK OK OK OK 30 days late 30 days late OK OK OK 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK 30 days late OK OK OK OK OK OK OK OK OK OK OK 30 days late 30 days late OK OK OK 30 days late 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  unknown unknown unknown unknown unknown unknown 30 days late unknown unknown unknown unknown unknown unknown unknown unknown unknown unknown unknown 30 days late 30 days late unknown unknown unknown 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Late - 7 Year History XXXX   XXXX  XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX I am not sure how this happened, I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION continues to violate my federally protected right to ensure an accurate credit report per Dodd Frank Act, FCRA, California Consumer Protection laws, UDAAP, and United States Codes.

15 USC 1681e ( b ) which states that credit reporting agencies are to ensure an ACCURATE credit report. TRANSUNION prevented me from disputing inaccurate balances on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts DO NOT include the correct XXXX XXXX XXXX XXXX XXXX TRANSUNION continues to negligently and recklessly report inaccurate account balances on my credit report. TRANSUNION refused to allow me to dispute these accounts online to ensure that these disputes were entered into the e-Oscar and metro2 systems. TRANSUNION has lowered my FICO credit score which has caused me damages by being denied credit that I may have otherwise qualified for had these inaccuracies not negatively impacted my FICO credit score. TRANSUNION continues to put me at risk of FURTHER exploitation and victimization by refusing to sufficiently investigating these inaccuracies on my credit report. TRANSUNION continues to send ARTIFICIAL INTELLIGENCE ( AI ) generated responses to my complaints and FAIL TO ADEQUATELY address and correct credit inaccuracies on my credit report AND in my credit file causing me damages and preventing me from obtaining sufficient credit approvals with potential credit offering companies which I need to gain access to an improved quality of life and livelihood. TRANSUNION 's has violated the Privacy Act of 1974, Regulation V, and the Trafficking Victims Protection Act ( TVPA ) by continuing to report inaccurate and nonmailable addresses on my credit report and credit file. TRANSUNION is also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which states the exclusions to the consumer credit report and states in part that transaction history and experiences are to be excluded from the consumer credit report which TRANSUNION continues to refuse to do. I sent TRANSUNION no less than FOUR ( 4 ) letters and called approximately FIVE ( 5 ) times to have the inaccurate and nonmailable addresses removed, yet TRANSUNION refuses to comply. TRANSUNION would not provide the specific documentation of federal law that allows them to continue to report these inaccuracies and the process TRANSUNION uses to justify their inaction. TRANSUNION refuses to produce such documentation. Thus, TRANSUNION negligently and recklessly persists in exposing me to further exploitation and harm by continuing in their practices in further violation of the Acts, laws, codes and regulations to protect consumers from these negative practices.
Product: Debt collection

i emailed this company i disputed on many credit reporting sites and they have not fixed this or sent me the information i request they send me information of when they bought the debt and dont fill out the last payment date and on the affidavit of sale it has no account number or even my name to verify it was my account they are in violation of The XXXX Fair Debt Collection Practices Act in California they also sent me letters that looked like a lawyers office
Product: Debt collection

Received calls about an unpaid debt from someone claiming to be XXXX XXXX XXXX. She stated they are a law firm and that legal action is being taken against me for fraud. Someone else also left me a voicemail stating they would be coming to my workplace to give me documents. I asked for a website, address, and other types of information to verify they were a real agency. She was very rude and refused to give me any information about the law firm.

Also, Previous to this instance, they have contacted my mother, husband, father in law and a coworker of mine.
Product: Mortgage

After passing of my mother a year ago, my father lost half of the income for the household. We started contact with loan depot our servicer around XXXX. Anticipating financial difficulties we attempted to get ahead of the problem. After working thru XXXX different agents offering refinancing or modifications. We qualified for none of them. In one instance they sent a loan agreement application asking for my deceased mother to sign it. 

Late last year we became aware of the XXXX XXXX program and were assigned a VA loan administrator and asked loan depot what the steps were we needed to take. They advised to stop making our monthly payments as the loan had to delinquent for XXXX months on order for them to approve us. At XXXX months we made numerous attempts to get updates on our status. We could never get a straight direct answer and the would instead send refinance papers in the mail. Every time they made deceptive statements or promised misleading actions as they never followed up on their promises. Every request made for updates were met with request for info we had already submitted numerous times before. The latest attempt for info ended with us having to resubmit info for the procedure and were told they had to start form the beginning. 

They have started to charge late fees along with the past due amount, and have not contacted the VA or tried to work out anything with them. It has now been more than XXXX months after following their instructions and we still have no idea of our status. 

We are extremely frustrated with their lack of basic communication and activity. 
It seems they are not interested in helping a vet who lost half his income due to death of spouse and are just trying to foreclose even thought there are alternative solutions available. 

Please help any way you can
Product: Debt collection

I received a letter on XX/XX/XXXX from Pheonix Financial Services stating that I owed {$800.00} for a debt that was owed to XXXX XXXX XXXX. I disputed that amount because I was pretty sure the debt was paid off. They then sent me a letter back stating that the debt was accurate on XX/XX/XXXX. 

I called XXXX Customer service because at the time of the service XX/XX/XXXX, I was a XXXX employee, and it should have been covered under my insurance. Unfortunately, the rep I was working with couldn't find the claim because it was an old one archived from XXXX. The member also stated that the company is supposed to send three good faith efforts to try and contact you before sending it off to collections, and I didn't receive a single one. Also why are they contacting me about a debt from XXXX when it's XXXX? The rep suggested I contact XXXX No Suprises and I left a complaint with them, but they stated that since the claim was from XXXX that I didn't qualify and suggested I leave the complaint with you. 

The rep I spoke with was named XXXX XXXX with XXXX and the reference number she gave me was XXXX. You may contact me back if you need more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, On or around [ XX/XX/XXXX ( CERTIFIED Tracking ID : XXXX ) ], I sent a letter to [ XXXX XXXX XXXX  ] requesting validation of a debt that they were reporting on my credit report. I did not receive a response to my validation request. 

On or around [ XX/XX/XXXX ( CERTIFIED Tracking ID : XXXX ) ], I sent a second letter to [ XXXX XXXX XXXX  ] again requesting validation of the debt. Again, I did not receive a response. 

On or around [ XX/XX/XXXX ( CERTIFIED Tracking ID : XXXX ], I sent a third letter to [ XXXX XXXX XXXX  ] requesting validation of the debt for a third time. Once more, I did not receive a response. 

To date, I have still not received a response. 

As a result of the debt collector 's failure to validate the debt, I have suffered damages including but not limited to : the inability to open bank accounts, difficulty in obtaining employment, and being denied the ability to purchase a house. 

I demand that the credit reporting agency, CHEX SYSTEMS, remove the account in question from my consumer report immediately I am writing to make a complaint against ChexSystems for violating my rights as a consumer under the Fair Credit Reporting Act. This is the eighth time I have disputed an account with them and I am still encountering issues with having it removed from my consumer report. 

I demand that this account be deleted from my consumer report immediately, as it is in violation of the provisions outlined in 15 U.S.Code 1681a ( 2 ) ( A ) ( i ), which states that reported information can not be based solely on transactions and experiences between the consumer and a company. I have provided ample evidence to support my claim, but it seems to have fallen on deaf ears. 

XXXX. Date of Closure : XX/XX/XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$590.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXX XXXX. Date of Closure : XX/XX/XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$630.00} Closure Status : UNPAID I am fully aware of my rights as a consumer and will not hesitate to take legal action against ChexSystems if this account is not removed. I am seeking the maximum amount allowed under the law for the harm and inconvenience caused by this violation of my federally protected rights. 

I hope that the Consumer Financial Protection Bureau will take swift action in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your time and attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$7600.00} XXXX XXXX XXXXXXXX Balance : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I, XXXX XXXX, pulled my credit report and found several inaccuracies. On the same date, I faxed over dispute letters as well as sent them physically by mail. Unfortunately I have had little to no success with the removals of these incorrectly reporting items. I have not received any correspondence from the bureaus electronically nor by mail. Upon calling the number for the credit reporting agency, I was bounced back and forth between agents who were not willing to assist me but instead continually placing me back in the que for another agent to do the same, a vicious cycle. Repeatedly and consistently, I have sent letters and faxed letters every 30 days although I am not receiving any response. XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, are the dates I have contacted this agency to no avail by mail, fax, and phone. They are beyond their limits to provide proof of the are beyond their limits to provide proof of the validation and the method of validation as requested. All inquiries unauthorized listed in the letters attached as well as the accounts, have received no response as far as the outcome of the investigations or if there was an investigation that took place. I have been left in the dark this entire time throughout this investigation and no proof of ownership of any accounts in dispute has been provided and they have been unwilling to remove countless unauthorized inquiries nor provided proof that any of them were authorized by me which they were not. To be noted, Bankruptcy Validation letters were sent twice, over one month apart.
Product: Debt collection

I have received numerous phone calls from Credit Control LLC as well as 4 different collection agencys attempting to collect the same debts. With regard to Credit control LLC they are attempting to collect the following amounts : {$430.00} From XXXX XXXX. I do not Recall ever having an account with XXXX XXXX  I ask that they provide documents showing that I signed for this. Since I am receiving phone calls from XXXX other collection agencies I am asking that they provide a bill of sale or letter of authority to collect this debt. And the chain of title so I can contact them to determine if this debt is mine {$330.00} from XXXX XXXX XXXX. I do not Recall ever having an account with XXXX XXXX XXXX I ask that they provide documents showing that I signed. Since I am receiving phone calls from 4 other collection agencies I am asking that they provide a bill of sale or letter of authority to collect this debt. And the chain of title so I can contact them to determine if this debt is mine {$1700.00} from XXXX XXXX XXXX I do not Recall ever having an account with XXXX XXXX XXXX I ask that they provide documents showing that I signed. Since I am receiving phone calls from 4 other collection agencies I am asking that they provide a bill of sale or letter of authority to collect this debt. And the chain of title so I can contact them to determine if this debt is mine {$2400.00} From XXXX XXXX XXXX {$330.00} from XXXX XXXX XXXX. I do not Recall ever having an account with XXXX XXXX XXXX I ask that they provide documents showing that I signed. Since I am receiving phone calls from XXXX other collection agencies I am asking that they provide a bill of sale or letter of authority to collect this debt. And the chain of title so I can contact them to determine if this debt is mine {$1400.00} From XXXX XXXX. I do not Recall ever having an account with Web bank I ask that they provide documents showing that I signed. Since I am receiving notices from XXXX other collection agencies I am asking that they provide a bill of sale or letter of authority to collect this debt. And the chain of title so I can contact them to determine if this debt is mine {$2800.00} From XXXX XXXX XXXX. I do not Recall ever having an account with XXXX XXXX XXXX  I ask that they provide documents showing that I signed. Since I am receiving phone calls from XXXX other collection agencies I am asking that they provide a bill of sale or letter of authority to collect this debt. And the chain of title so I can contact them to determine if this debt is mine I need to know who to pay if it turns out these debts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out 4 different letters dating back as far XX/XX/XXXX to Transunion, XXXX and XXXX   the latest being XX/XX/XXXX and another one I am sending out today XX/XX/XXXX. 
I wrote to Transunion, XXXX and XXXX  to remove the following accounts ( listed below ) from my report if they did not provide me documents or validation of the debt. The company has failed to remove any account and responded back as " verifed accounts ''. Therefore, since they failed comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. Transunion has not provided any documentation, they did not confirm who verified the information or what company. They have refused to remove the following accounts : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Both Bankruptcies XX/XX/XXXX/XX/XX/XXXX even after I provided a letter from XXXX XXXX and the local Bankruptcy court stating they dont report to Bureau 's so how can Transunion, XXXX  and XXXX not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else. I called and spoke with a lady named XXXX today XX/XX/XXXX ( Transunion ) to inquire about my recent notices-she stated they do not remove things from my credit report and to file a police report.
Product: Credit reporting or other personal consumer reports

I am reaching out to report a case of fraudulent personal information linked to my identity. This unauthorized activity has resulted in the wrongful association of accounts and transactions with my name, causing significant distress and concern. I am a victim of identity theft and have promptly reported the incident to relevant authorities. The urgency of addressing this matter can not be overstated, as it has severely impacted both my financial stability and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and initiating a thorough investigation into this issue. I am fully prepared to provide any necessary evidence and, if required, pursue legal avenues to protect my rights and seek appropriate compensation. Your swift attention to this matter is highly valued.
Product: Payday loan, title loan, or personal loan

Account number :  XXXX  The  company in question is special financing company and they are ripping me off every dollar I get with outrageous interest and fees.Not only that they have been constantly harassing me with phone calls and letters, they also reached out to my friends on countless occasions. Even to the point that I lost my job and I was borrowing money from people to keep up with their payments. I have tried several times to try and work some kind of reasonable payment agreements with them but they are  XXXX  bent on extorting me to dryness. I do n't know what else to do but to go through this medium because it seems like the loan keeps increasing instead of reducing. I am tired of living in debt to fulfill their outrageous monthly obligations.
Product: Credit card

I opened a credit card with a 0 % interest promotional offer. The offer ended in XX/XX/2024. My statement ending in XXXX still shows the 0 % offer. I paid off the balance before the statement closing on XX/XX/XXXX but capital one still charged me {$26.00}. I spoke with a representative a little over a week ago and they assured me that this was an error and that I would be refunded but it did not happen. I just called capital one back to inquire about the refund and they informed me that they would not be able to refund the charge. I believe this charge is inaccurate and does not reflect what was advertised. I also requested information with regard to the promotion and the representative denied me the request. Please rectify this issue. Thank you.
Product: Credit reporting or other personal consumer reports

Dept of Education ( XXXX ) and US Dept of Education are reporting inaccurate information. I had accounts that I opened in XXXX and unfortunately was unable to make payments due to some life events. I had been told that US dept of Education defaulted my debt and sent it to collections. However, XXXX is reporting the accounts still even though it has been over 10 years and past the credit reporting limit. Recently I noticed US dept of education said I had accounts that were opened in XXXX and that payments were made. However, I have never opened accounts in XXXX and do not believe these to be mind.