23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed an account on my credit from a company called Resurgent- LVNV Funding/ Account Number XXXX. I did not have their phone number so I sent them a certified letter disputing the validity of the debt based on the information that was available to me on my credit report. 

The letter was received- however, it's been 60 days to date and the account remain on my credit. They have yet to contact me and or remove the unknown entry.
Product: Vehicle loan or lease

In XXXX the vehicle I purchased completely broke down due to mechanical issues. I finally was able to work on getting it fixed but that placed financial burden on me along with raising costs of living. I reached out multiple times to GM financial during the summer and fall of XXXX and was told there was nothing they could do. I got behind on payments but made payments as I could. On XX/XX/XXXX I reached out regarding a pending payment that I did not authorize. The representative I spoke with kept going in circles and either couldn't or wouldn't answer my questions or provide any kind of assistance. The payment was returned. Now I am trying to schedule a payment just XXXX week out and I am told I can't because of the returned payment. So my account is past due, but they won't schedule a payment because the payment they tried to process without my authorization was returned. I was told via chat to call in to schedule it but when I did, they said they couldn't do it. I'm just trying to get caught up and there has been no assistance, offers, or any kind of resolution even offered.
Product: Credit reporting

I have tried several times, to have information pertaining to state Tax Liens removed as the credit bureaus are reporting the information incorrectly. On several occassions, the response from XXXX Equifax, and XXXX is that the accounts were verified and are correct. This is untrue as I have letters from the State of Maryland stating that the debts are satisfied and has been for over one year now. Understanding that the credit bureaus pays third party sources to scout public information, I feel and according to FCRA rules, it is the Bureaus responsibility to ensure that accurate information is furnished on my credit reports. The Bureaus have failed to meet this obligation, even after several requests to investigate and remove these public records. Someone has to hold these bureaus responsible. It 's extremely easy for any creditor to add information to a consumer 's report, but is the hardest of tasks to have the information removed or even properly updated, which is truly unfair to consumers like myself, whom are trying to start over and build my credit.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and XXXX   Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian knowing holds back correct report. How can they offer a boost in your report if you pay the monthly fee?

This means they knowing know their reports are wrong while filing them for other businesses to use.

This is unfair business p [ racticve and very deceitful to consumers. Also causing in higher interest loans due to lower credit.

How can you guarantee a boost in someone's credit without knowing your company is lower on PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several time with XXXX XXXX  and experian that the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX are not my accounts and to remove them. I experienced identity theft and there has been several bank accounts opened in my name and this credit card and loan.
Product: Debt collection

I've attempted to contact IQ Data, MULTIPLE times. Each time I get a rude rep who does not want to help me with my issue. The issue is I have the ledger and move out statement from the the collector prior to IQ DATA,  showing that the account is satisfied at a {$0.00} balance.I need IQ DATA to  cease collection and remove themselves from my credit reports. Not to mention, I searched TEXAS database for IQ DATA, they were not in the database, bonded to collect, which is MANDATORY in Texas. I'm about to be homeless if I don't get this account resolved. The collector prior to IQ DATA was XXXX.
Product: Debt collection

I was sent a letter with a payment arrangement for a credit card they purchased. I was then told over the phone another amount I could pay for another card they had. The following month after this discussion I begin to pay on the 12 month agreement we discussed. When I send in the payment I put the account numbers on the the XXXX separate money orders. Today XXXX/XXXX/15 I received a call at my home telling me they had no arrangement on file and that was not enough to now pay off the debt. Also I have never been shown the proof of the actual bill, and now they are going back on an agreement that they mailed to me and said over the phone. I will continue to pay another XXXX payments however do not want to be harassed by them anymore. 

When speaking with XXXX separate reps on the phone I had given the information I was given by phone and by mail which I needed to pay to satisfy the debt. Now I am being told that it is not enough money meanwhile I have also never been given any proof of the actual debt and I am paying. I pay out of fear that someone could freeze my bank account or garnish my wages cause this is what I have been told and it has happened before.
Product: Bank account or service

I applied for a Citi Gold checking account in XXXX/XXXX/2016. Citi offered {$500.00} cash bonus if I fund $ XXXX to my account and maintain that minimum balance for 30 days and the bonus should be posted within 90 days afterwards. I fulfilled all the requirements and now after several phone calls Citibank refuses to honor the bonus.
Product: Debt collection

XX/XX/2015 they reported to XXXX  again every 2 mths waa a fraud case but speedycash  does not see it that way police report and ftc was given to them
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice that you verified certain items on my credit report from the following companies. 

Bankruptcy verified via ( XXXX XXXX XXXX XXXX US FED COURTHOUSE ) Please tell me how you did that. Who did you talk to as the original furnisher? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Dont provide the generic response of how you use various methods. Tell me exactly how you verified this Bankruptcy and include the full name of the person you spoke with. I also went to the courthouse and asked about this credit reporting matter. Courts responded with a letter I have submitted. 

15 USC 1681i ( A5 ) STATE THAT AFTER THE INVESTIGATION. ALL OF UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. 

Also, I have disputed this Bankruptcy several times with EquiFax since XXXX XXXX after XXXX sent me a confirmation letter stating XXXX could NOT VERIFIED Bankruptcy and removed Bankruptcy from XXXX database. Dont provide the generic 10 years response ; of how long a Bankruptcy stays on file I am aware. Tell me specifically what steps and methods that were used in your investigation that allows Equifax to continually state Bankruptcy is verified through XXXX and or COURTHOUSE. 

Supply your response within 15 days or delete the public record. 

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

I noticed that Equifax is reporting one inaccurate negative item in my account from XXXX XXXX, one inaccurate negative from XXXX, two inaccurate negatives from XXXX XXXX, two inaccurate negatives from XXXX XXXX  XXXX, two inaccurate negatives from XXXX  XXXX, two inaccurate negatives from XXXX XXXX, and one inaccurate negative from XXXX. All negative accounts are showing that I have several chargeoff accounts that have a balance on them. This is completely inaccurate. I already contacted the Credit Bureau and the Creditor regarding it but they did not give a response on this particular matter. I need your help on this matter.
Product: Mortgage

My parents home ( they are deceased ) has been empty and awaiting resolve for 3 years this net month. The loan has been sold from XXXX to XXXX, XXXX and now Rushmore. I am unable to get resolve in any way. The home was held in a trust, and therefore, we are not liable, however, as they hold it in limbo, I continue to receive bills for taxes and hoa dues. As well as late mortgage statements. I have tried to sell, modify and keep the home. To no evail because of their incompetency. They changed the locks over a year ago.
Product: Credit reporting or other personal consumer reports

I disputed this acct recently on my Experian report original name XXXX and Experian removed it on XX/XX/year> and it came back today XX/XX/year> as a collection by a third party company.
Product: Debt collection

I am writing in response to your correspondence regarding my complaint filed against Omni Financial and XXXX XXXX XXXX. Your response on case number : XXXX acknowledges my concerns regarding the mishandling of my debt validation request and the inaccuracies in credit reporting by these entities. However, it is imperative to clarify several critical points and further actions that need to be taken to resolve this matter satisfactorily. 

1. Failure to Timely Respond to Debt Validation Request : Contrary to Omni Financial 's assertion in their response to you, my initial debt validation request was sent to XXXX XXXX XXXX on XX/XX/year>. This request was compliant with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which mandates a response within 30 days. Despite their legal obligation, neither Omni Financial nor XXXX XXXX XXXX provided a timely response. Their delayed response on XX/XX/year>, was well beyond the allowable timeframe, thus violating my rights under the FDCPA and making the alleged debt unvalidated. 

XXXX. Misleading Response and Incorrect Credit Reporting : Omni Financial 's response to you was misleading and inaccurate. They falsely claimed to have received my debt validation request on XX/XX/year>, which contradicts the evidence I provided confirming the XX/XX/year>, submission. This misinformation not only misguides the CFPB but also reflects a pattern of non-compliance and negligence. Furthermore, my credit report incorrectly lists the alleged account as a charge-off to XXXX XXXX XXXX XXXX This misreporting obligates Omni Financial and XXXX XXXX XXXX to provide documentation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which they have failed to produce. 

3. Illegal Request for Identity Verification : Omni Financial 's request for an FTC Identity Theft Report, drivers license, and a selfie holding my drivers license is not only unjustified but potentially illegal under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, and the Federal Trade Commission Act, 15 U.S.C. 45. Such demands for personal information without lawful basis raise serious privacy and compliance concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 2 disputes to all 3 credit bureaus regarding unauthorized inquiries on my credit my credit XX/XX/XXXXand XX/XX/XXXX but has been unsuccessful. The inquiries are all dated XX/XX/XXXX XX/XX/XXXX and  XX/XX/XXXX. I did not authorize my credit to be ran on either of these  days by any of the companies being shown.
Product: Credit card

On XX/XX/XXXX I ordered a piece of luggage from XXXX using my BOFA credit card and then decided to use XXXX to spread out the payments .The next day I realized that both myself and my partner will be out of town and that there will be no one to sign for the {$3000.00} piece of luggage. The next morning I was calling and emailing XXXX trying to cancel the order but no one was picking up and no one returning voice mail. I finally got someone late in the day to pick up the phone so I was able to cancel the order and the guy even put a return to sender on the XXXX label just in case. I waited a day and then disputed the charge on my BOFA card. Everything was taken care of until 30 days later when BOFA said the merchant disputed my claim even though I had sent BOFA a copy of the email saying order was cancelled. BOFA on XX/XX/XXXX paid them again {$760.00}. Then on XX/XX/XXXX XXXX said they were sending me a refund for {$790.00}. I never received the refund and now they are saying I was sent a refund of around {$28.00} which was only part of the order refunded ( luggage label ) but that I would not be getting any more even though I paid them an additional sum of {$760.00} on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates, XXXX. ) XXXX XXXX XXXX ( Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ). I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but Equifax is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ENHANCED RECOVERY CO XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ... XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX ... XXXX. XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

I have been given the run around for months over an account that my mother opened in my name. I have a state trooper involved to help me try to press charges against her and no one will give the trooper or I any information. I keep being told that I will get paperwork sent to me and never receive any paper work. I also was told the trooper can call and get the information and they will not allow him to get any information.
Product: Credit reporting or other personal consumer reports

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

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

As of XX/XX/XXXX the Creditor agreed to remove the account once initial dispute process began, and the company refuse to remove any late payments or account but this account was paid in full and was said to be removed immediately upon payment and has yet to do so to remove from all three credit bureaus
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Before my lease was expiring on XX/XX/2020, I called XXXX XXXX XXXX inquiring how to return the car due to COVID-19. This was 10 days before the virus peaked in the state of New York. I offered to drive the car to the dealership but was informed that the appropriate department was closed due to the pandemic, there were no options to return the vehicle at the time and I was to keep the car and will be contacted for safe home pickup when the situation allowed to. I was also informed that I was not responsible for the situation and therefore will not be penalized by any means. I tried to make more phone calls throughout the month of XXXX, 2020 but the companies were closed completely due to Covid-19 and the offices were not answering my calls. On XX/XX/2020, the car was picked up after the Chase Auto group contacted me for a home pickup- like I was told they would. 
Shortly after, I received a bill from XXXX XXXX XXXX XXXX dated XX/XX/2020 stating for {$3500.00} A late payment has been reported the credit bureau by CHASE Auto Finance, causing severe damage to my credit. 
Their attempt to charge me this bill is a slander to my credit and an actionable law. 
I have made numerous phone calls to the customer service department and auto loan credit department at CHASE auto Finance and XXXX XXXX XXXX XXXX. I have put in numerous requests to speak to managers ; the request was to be answered within 48 hours. Each time, a manager failed to call me back. Account supervisors also asked to call me back after reviewing my case. Until today, I have not been called back by neither XX/XX/2020 XXXX ( ID # Unknown ) nor XX/XX/2020 XXXX ( ID # XXXX ) nor XX/XX/2020 Mo ( ID # XXXX ) nor XX/XX/2020 XXXX ( ID # XXXX ) and more. Almost all of these requests have passed the 48-72 hours request time which the managers/ account specialists needed to review the case and call me back. I provided them with back up phone numbers in case I missed the call but the calls were never even made. 
This has affected my credit majorly, which will cause me more issues in the future. The customer service has been horrible and unwilling to help with this outrageous bill. 
CHASE Auto Finance and XXXX XXXX XXXX XXXX will be held responsible for the damages, as well as punitive damages and misconduct.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report even after I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account along with original contract, wet signature, and I.d verification so that I may follow up. Additionally, please send me an updated copy of my credit report after your reinvestigation.

As I have not supplied proof under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt exists, and therefore, no such debt exists.

This debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Product: Consumer Loan

Wheels Financial Group , LLC sent me XXXX for XXXX on a loan I never applied for nor received. I do not have any knowledge of this company. I have never done business with this company. This seems like Tax Fraud and Identity Theft.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2019, I contracted with XXXX XXXX to build a deck. XXXX XXXX advised me that the deck would cost {$10000.00} and available financing through Foundation Finance. I requested an itemization from XXXX XXXX. but never received. The deck began falling apart. I advised Foundation Finance of the problems and also asked for the price of the deck. FF refused to provide this information. I tried several times to work this out with Foundation Finance who refused to assist and instead continued to request payment. Finally it became useless. 
I just discovered that the deck actually cost {$2500.00} instead of {$10000.00}. I believe FF was a part of this scam with the contractor as FF refused to look into this matter further. Due to this major scam and discrepancy, I am left paying for a deck that is only worth {$2500.00}. The finance charges will cost the loan to double which is certainly due to fraud.