23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Systems   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX  Last report  XXXX / XXXX /  XXXX  , negatively impacting my credit.     I requested for validity of this debt, including, signatures, valid contracts with this company and no response was received. If the debt can not be properly validated as requested to remove.
Product: Credit reporting or other personal consumer reports

Know action has been taking by XXXX, XXXX, Transunion on updated information, deleting inaccurate information and updated report.
Product: Debt collection

I had a rental unit with XXXX for over 4 years, paid every month. My wife and I got it when we moved out of state with the plan being to come back for our stuff. 4 years later we realized we did n't really need the stuff anymore so we called XXXX XXXX and asked them what our options were to get rid of the storage. They told us the only way without us coming to get the stuff was to let them auction it, so we did. This was in XXXX XXXX, auction was in XXXX XXXX. The deal was they would auction it then send us a bill for XXXX, XXXX and then a couple fees minus whatever it had got at auction, estimated to be {$540.00}. In XXXX XXXX I receive a letter in the mail from a collection agency saying that I owe NOT ONLY the XXXX that the storage came out to be but also {$160.00} additionally for them to collect this fee from me. That is extortion, charging me extra money on top of my actual debt or else reporting it to my credit. I NEVER EVEN RECEIVED A BILL FROM XXXX! Never! And not only did I not receive a bill but also the letter from the collection agency came within a couple weeks of my unit 's auction! So immediately I contacted XXXX via their " contact us '' web page. I have been back and forth with XXXX trying to sort this out since then and finally now XXXX XXXX, a manager from XXXX XXXX said he can sort it out for me and get my bill to be XXXX dollars as it should be. So today I call XXXX XXXX from the collection agency as XXXX XXXX told me to and the agency will not put me in contact with her. They wont let me talk to explain the situation. They are extremely rude and threatening. They tried to demand my phone number and other information and of course they wont just let me pay the XXXX as I owe. Hopefully XXXX XXXX can at least sort out the payment for me, but either way a complaint needs to be filed on these guys.
Product: Payday loan

This is in reference to Case Number # XXXX. I am adding additional information to my previous case. 

I sent an email on XX/XX/2016 to Big picture Loan and stated I wanted to close and settle the account and have the ACH Debit and Credit authorization stopped effective immediately.After no response for 2 days. I sent another followup email on XX/XX/2016 and I still have n't heard anything and to contact me by email only. My account with BIG Picture Loans is stating that they have been attempting to contact to discuss the loan and that in order to resolve and bring the account current, please contact us immediately at XXXX. I have spoken to the customer representatives to resolve the debt and I have been met with rude and nasty reps and they are telling me a different story. I have made a a total of {$250.00} worth of payments and I still have a large outstanding balance due to the interest and fees that have incurred on the account. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.No representative can explain to me the details of the interest which seems to be extremely high. I have attached documentation showing the payment and emails that I have sent to them. This company is Red Rock Lending, It goes and has gone under multiple names, Castle Payday, and has now changed its name to Big Picture Loans. 

Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX, MI XXXX Please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 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 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I am being contacted at my new number for a XXXX year old debt I asked the representative is he even able to collect on this because there are statutes of limitations. Also this call started off by the rep telling me we will not sue you I mean first off this was taken out when I was just starting my teen years. The representative asked for payment from my checking account and first off I will not do so. Second this is a XXXX year old debt. What can we do to remove this from my report. 
I just want this debt removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On the beginning of the month of XXXX person called me to told I Iwas envol on a XXXX account and they where going charge me for XXXX thousands dollar 's What happened that the person on the phone tell me to go out and star buying gifts cards so i ended wasting XXXX thousands dollars on different stores and after the credit cards don't allow me to spend more money i ended going to the bank and withdraw XXXX thousands dollar 's more he promise me that he will put the money in saved account. 
My wife toll me not to due no more and we when to the and tell the manager what happened so we close all the accounts and credit card but we do not know that was XXXX was taken money from the other bank that we using to pay for the mortgage he took all the money from the other bank to XXXX XXXX XXXXXXXX AND XXXX XXXX THAT MY HISTORY SO I WAS A STUPID ALL ALL THIS TIME. 
.MY NAME IS XXXX AND MY WIFE XXXX.
Product: Credit reporting or other personal consumer reports

I'm filling a complaint against XXXX for failing to property investigated my dispute regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation.This Practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. ~1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C.~~ 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative Proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The Following account are in violation of my Fair Credit Right : Account :XX/XX/XXXX XXXX ( XXXX ) Date opened : XX/XX/scrub>/2019, Balance : XXXX. 
Account : XXXX XXXX XXXX ( XXXX ) Date opened : XX/XX/year>2019, Balance : XXXX. And Account : XXXX XXXX XXXX ( XXXX ), Date opened : XX/XX/year>2019, BalanceXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under XXXX & TransUnion, but reappeared and is reporting negative again under the same credit bureaus. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. I'm experiencing financial difficulties caused by this timeshare, plus my XXXX XXXX is going down due to this as well. I am a victim of the XXXX timeshare scam. We were defrauded & lied to. This is the biggest scam I encountered. Furthermore, they've violated my consumer rights ; specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual XXXX of XXXX, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they 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. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to investigate disputes accurately and in good faith This is the first of many letters that will calm and be filed. first one as a result of not looking into unauthorized inquiries and removing them. Despite providing no proof of any sort of signed or authorized inquiry of my credit report, XXXX will not delete the fraudulent credit inquiries
Product: Credit reporting

It seems like they want to make money, ( they being Experian, XXXX, XXXX ), and do not reveal the credit score without a payment. Additionally, they offer options for disputing incorrect information, adding them to a cart ( beyond archaic from a technology standpoint ), and then tell you they ca n't dispute them -- more roadblocks to people learning what is being kept about them on file. Lastly, one offered all the ability to dispute, and once clicking on that action, it locked the account and said I now need to call a number, undoubtedly a maze of deflection of lack of staffing a call center. I work in technology and can tell you this is not only a ridiculously inept implementation of an online service, but so much so that it feels deliberate, and only something a monopoly or someone with guaranteed business can get away with. As a company in charge of incredibly personal information, this is entirely negligent and careless, and additionally, opportunistic where it should only act as an agency of record. None of them should be allowed to handle such information, or be able to operate in this country.
Product: Checking or savings account

Since XXXX of 2020, I've been asking SunTrust for help with multiple account and BillPay issues. In response ( retaliation? ) for me pointing out how incredibly difficult and useless their 'customer service ' systems are, they opted to close my accounts. 
I have an open dispute with them for {$560.00}, there are multiple fees charged that need to be removed, and there was money in some of my accounts that they have not returned to me.
Product: Debt collection

In reference to complaint number XXXX. Company lied in their response about not receiving my Permanent Change of Station ( PCS ) travel orders ; I sent a copy of the travel orders to XXXX when I had to cancel the internet and cable service at my residence in XXXX. So Im submitting a new complaint to expose their lies with a copy of my PCS travel orders attached to this complaint. The early termination fee is not owed and the company fails to acknowledge that the debt is invalid. They refuse to take steps to remove the derogatory remark from my credit report and acknowledge that the debt is invalid. So lets see what ridiculous response XXXX comes up with this time ...
Product: Payday loan, title loan, or personal loan

I went into XXXX XXXX XXXX here in XXXX, TN on XX/XX/2018 at XXXX to start a loan and was greeted by one of the Companies Loan Reps ( XXXX ) who assisted me with opening my loan. While filling out the paperwork for the said loan I asked the Rep if they reported to the credit bureaus which her response was Yes They Do which is also posted on their website that they take out a loan with them helps you build your credit. After making two payments on time I went to check my credit and seen no trace of the payments I had made on the account, I didn't even see where they had ever checked my credit score. After this discovery, I stopped payments and went to the office and was met with a hostile employee and which branch manager XXXX XXXX had to send out of the office to allow us to talk about the account. She informed me that they were switching credit companies and she couldn't go back and apply my first payment to my credit report but that the next payment would go on to my report and thereafter. After making another payment on the XX/XX/2018 of {$65.00} still, it never was reported. I returned to the Branch again to speak with The Hostile Rep who tells me that she doesn't know what's going on and that it should be on there to no avail ... I stopped paying the loan what is the point of paying for a service I am not receiving and I was lied to numerous times as to what was going on. I was happy to pay the loan until What was advertised was not Delivered. I was paying to have my credit built and told XXXX and The Branch Manager XXXX that the whole reason I was opening the loan was to Build My Credit. Then after I stopped paying them I have received letters about Legal Actions and Picking up my security items. My question to this company if doing business by falsely advertising what you are and what you can offer your customers how you practice business?
Product: Credit reporting or other personal consumer reports

My full legal name is XXXX XXXX and my date of birth is XXXX : XX/XX/1957. My social security number is XXXX : XXXX. My current address is Current address : XXXX XXXX XXXX XXXX, California XXXX. I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. 
I did not receive any money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them. 
Enclosed is a copy of my Identity Theft Report, supporting my position. In addition, I am enclosing a copy of sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that the information you provided is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information on my Experian Credit Report, but Experian refuses to correct it. 
Note that XXXX and XXXX do not have this problem. 
Amongst other things, Experian has poor data controls. They have my employers wrong, they are missing some of my previous addresses, and I have brought this to their attention several times. They do nothing. They have been reporting that I was Late and other negative information for an old XXXX XXXX credit card account. The account was in dispute in 2010 and we reached a settlement where I paid the amount in full. The agreement with XXXX XXXX was that they were to not post any negative credit information about me, and that only the statement " Settled, Paid As Agreed '' would be used in reference to that account. I Paid that amount so that my credit would NOT be negatively reported and affected. That was the deal. Instead, Experian persists for over 7 years now, reporting FALSE information about me, and refuses to even allow me to dispute it online! They refuse to correct the error, and I have been denied credit several times a result. I have paid high insurance rates as a result. I may have also not been hired for a job as a result. It 's time Experian clean up their act and remove the false XXXX XXXX information from my credit history. Its now over 7 years and should n't be there regardless!
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed there is a collection account I do not recognize. I initially reached out to the credit reporting agencies and they stated that the information was valid. I also noticed that this collection is only reporting on XXXX credit agencies Transunion and XXXX per my consumer rights and my right to privacy any item on my report should be the same on all three credit agencies and no collection should have a balance listed. I did state that this account does not belong to me and they did not remove the information. I have a right to remove anything on my report that is not accurate. I do not have any documentation used that this company debt belongs to me. I chose to OPT OUT of any reporting from this company and would like this removed from my report and an updated report showing the change. Or if you feel I have made an error and can prove this collection belongs to me please send the original contract and what documentation used to show that my signature is on contract and debt belongs to me. And please remove all fraudulent inquires per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX with a Original Balance of {$250.00} is being reported as multiple lines as if I have several accounts as well and the balance has not being reported correctly.This account has been paid in full since XX/XX/2020 and it has yet to be reported correctly. despite the submission of proof.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$990.00}. They were reporting on a XXXX XXXX credit card that I did not have. I disputed both accounts with XXXX XXXX, XXXX XXXX XXXX and all XXXX credit bureaus. Neither company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both companies and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in an Identity Theft report to the Credit Bureau, regarding Fraudulent accounts that are reporting on my Credit file due to identity theft. This has been going on for too long! The credit bureau refuses to remove these accounts. I have requested on several attempts for them to please sent me their METHOD of how this investigation is coming back as verified? I have not received any documentation, signatures nor ID on file. I have sent in several disputes by mail and online with the attached Identity theft reports and they refuse to further investigation and remove the accounts. I did not open these accounts and they refuse to remove these. from my understanding by law once I have turned in this Police/ Identity theft report, they are automatically supposed to remove those Fraudulent accounts. I am demanding that you CFPB, have the credit bureau remove & Block these accounts from my credit file. I will seek Legal action under the FCRA act will be taken in place and I will have my legal counsel to begin the process of suing.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXX XXXX Credit Card by Barclays Bank. One of the advertised benefits on the card is a Price Protection benefit according to which if the price on an item I purchased using my credit card drops after the purchase they will reimburse me the difference. https : //www.barclaycardus.comXXXX details all the benefits including the Price Protection benefit ( I got this link after logging into my credit card account so this is for my credit card and not generic information ). I called the number listed on the website to file a claim for Price Protection where they mentioned that my card does not have the Price Protection benefit. I called Barclays customer service with this information and they verified that the card does have the benefit and transferred me over to the claims department again to file the claim where they again denied the benefit. This ping pong back and forth between these 2 departments happened several times starting on XX/XX/XXXX and continued into XX/XX/XXXX where me and my wife collectively spent greater than 4-5 hours on this. On XX/XX/XXXX after much effort I was able to get XXXX customer service and the claims department on a conference line so they can work out the confusion between themselves ( you 'd imagine they should be doing this without me facilitating this ). They took a paper claim and mentioned that they will review the confusion with the management of the claims department to figure out what 's going on here and get back to me by end of day XX/XX/XXXX. That did not happen and I called the claims department for a follow up to that on XX/XX/XXXX and they went through the same ping pong game again asking for all information, refusing to connect me to their management and flat off denying that my card has any such benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX  XXXX .... Balance : {$8500.00} XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$290.00} ; XXXX XXXX XXXX XXXX. Balance : - ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report which do no belong to me. I contacted the credit bureaus report this incorrect information and made an identity thief report. I did not include the report in the letter I sent but listed the accounts in which I did not recognize.I also put a freeze on my account to be notified if anyone tries to use my information.