23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I had this information removed from my credit report. It was re-inserted without me being properly notified. This is a clear violation of FCRA I have enclosed a copy of my consumer report from XX/XX/2022 where it was removed and a consumer report from today showing that info as being back on my report without following proper procedure as outlined by the FCRA. 

15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). 

( i ) Certification of accuracy of information - If ANY information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer - If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information- As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted.

( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

According to my records, your company has done none of the above and if you have, please provide dated proof that you have provided me with ALL the provisions above. If you can not do that, THIS IS A CLEAR, AND DIRECT VIOLATION of my rights as outlined by the FCRA. The item must be removed from my report.
Product: Payday loan, title loan, personal loan, or advance loan

On two occasions in the past 2 months Berkshire bank sent me an email saying my load payment did not go through and they charged me a late fee. I have had this loan for almost two years. I had to phone them and show them my bank statement showing it went through. Finally they removed the late fee but it likely still went on my credit report as a late payment. Again this happened this XXXX, they had a processing error on their end sent me an email indicating that my payment did not go through. I called and they admitted this had happened in the past. They would not clarify whether it happened again this month. They wanted me to share much personal information on the phone, which I refused. I gave them the loan number and asked them to check on it. They did not get back to me. They clearly have mistakes on their end and it is unfair to take up hours of my time calling and checking bank statements. I have not yet had a chance to check my credit report but I did get an emails saying a new item was on the report, likely from their error and related nonpayment. Please get them to stop making these and to remove any late payments from my credit report, as well as late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this 4 times to Equifax, XXXX and XXXX regarding my identity theft record. They continue to give me the run around! I have called several times and nothing. They purposely do nothing with this information and it is continuously adversely effecting me!
Product: Credit reporting or other personal consumer reports

I looked at my report yesterday 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 the report relates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALL OF THE ACCOUNT LISTED ABOVE ARE REPORT INACCURATE INFORMATION SUCH AS REPORTING DATE, CLOSING BALANCE, CURRENT BALANCE, CLOSE DATE, ACCOUNT CLOED BUT STILL REPORTING ETC. 

PLEASE TAKE LOOK AT THE MATTER AS THIS IS HURTING MY CREDIT.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays date:XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1800.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule
of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CAVALRY PORTFOLIO SERVIC Reported : XXXX XXXX, XXXX - {$1800.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST COLLECTION SERVICE Reported : XXXX. XXXX, 2020 {$110.00} There are no contracts, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple disputes submitted pertaining to XXXX account and yet the account continues to report incorrectly. This account has already fallen off the other two credit bureau reports and should have already aged off of Experian as well but I do not feel they are looking in-depth into the account or contacting XXXX  about correct payment information or balances. This tradeline should no longer be reporting on my report.
Product: Debt collection

It is showing on my credit report that i owe money on XXXX when i already paid everything. Infact I still have an open account on XXXX for my internet swervice and home phone service. I have ask XXXX why is this Debt showing from this company and they have told me they dont know why or how. They said they have contacted the Debt collector and told them that i dont owe any balance from them and they still didnt take it out of my credit report. I have called the Agency to show me proof of this Debt and they refuse to send me any document. This is affecting my credit big time since im trying to build my credit and purchase a house.
Product: Credit card

I have had a card with AMEX since 2022 and I cancelled it back in XXXX and I paid the full remaining amount of {$11.00}, XXXX and I thought I would be done with this company. Now a 2 months after we paid they are telling me I owe {$150.00} in interest. I shouldn't be charged for their disorganization for not sharing the entire amount due. I need this charge to be waived I am not paying them anything. I called them and she tried to waive it and it got rejected for some reason.
Product: Mortgage

About six months ago I was considering paying off some small loans and realized a loan from XXXX was included in the above referenced home equity loan payoffs and should be inactive on XX/XX/XXXX I faxed a letter to whom it may concern inquiring about the missing payoff to XXXX. A copy of this fax is included in this email. I have made several attempts to contact someone in regards to this situation at no avail!!! XX/XX/XXXX Per our telephone conversation I am forwarding the information requested by you in hopes we have included what is necessary to re resolve this matter XX/XX/XXXX I took a student loan for our daughter. A receipt is included in this email.I took out a home equity loan. A disbursement was made to pay off this loan of XXXX which XXXX was left Settlement date XXXX. A disbursement was made to pay the loan of XXXX ; XXXX. The foregoing is from settlement statement transactions without seller US department. On XX/XX/XXXX I receive an encrypted message providing payment history.On XX/XX/XXXX they responded saying they had no records of the checks that they send out. Yet they sent me all the paper work but not the copies of the checks. The reason I did not notice was because I had automatic withdrawal I have talk to so many personnel there and nobody could give a direct answer I have copies of all the transaction except copies of checks they said the company out of business so I said why don't you have copies of checks?
Product: Mortgage

I was in default on mortgage and subsequently brought it current as of XX/XX/XXXX. 10 days later Freedom Mortgage reported my delinquency as the current status though I was still in the loss mitigation period where I was not to have any negative reporting or collections activety, They did this as well in XXXX of XXXX. In both instances reporting potential negative and inaccurate date to the bureaus.
Product: Credit card or prepaid card

I am writing you regarding the apparent intentional mishandling of my credit card deposit refund of {$500.00}. In May of last year I requested my credit card account, ending in XXXX, to be closed and my deposit return. The agent took her time closing my account and applying a credit to my account. It took them three months to send out a check for my deposit at which time I was already out of town. I spoke with an agent and he said he would be able to cancel the check and credit my account. Then he would be able to perform an ACH transfer of the credit to my checking account at Capital One, ending in XXXX. That did not happened and I had to call back in XXXX to get it done. I spoke with another agent who said she would resubmit the request. She took no responsibility for the fact that other agent and supervisors had committed to performing an ACH transfer on multiple occasions and had failed to do so or let me know it is not possible. She said the only way to return my deposit would be via a check through the mail. 


On XX/XX/XXXX I noticed that there was a transaction on my account ending in XXXX, XFER SC DEPOSIT TO SC PAY, and the {$500.00} refund was not there anymore. I called Capital One to find out what this strange transaction was and they said they refunded my deposit to XXXX XXXX, an account I initially used to send the deposit but which has been closed for years. I am not sure how you send money to an account that is closed. But, in any case I never authorized anyone at Capital One, at any time, either verbally or in writing to deposit money in any account other than my account at Capital One ending in XXXX. I contacted XXXX XXXX and they confirmed that the {$500.00} was returned to Capital one on XX/XX/2021. However, Capital One does not acknowledge that the funds were returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my creditwise report, it was reporting two hard inquiries on XX/XX/XXXX and XXXX to a XXXX XXXX through XXXX. Neither my wife nor I have Applied for any new accounts or inquiries since we bought our house in XXXX. I contacted Both Transunion and Experian to freeze and report the fraudulent activity and once that was done both advised me to file a report with local police ( XXXX XXXX took my report ) and then the FTC. So far, and to the best of my knowledge no money has been taken or charged in our name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

Good Morning, SOUTHWEST CREDIT SYSTE flagged my account as Collections on XX/XX/2021 stating an unresolved utility bill. When checkingwith XXXX as to any outstanding payments on my previous account, they stated there was never was an outstanding debt. The recent collection flagged as an open account in XXXX, I never opened an account at this time and the amount is the same amount for the XXXX, 2021 collection that was resolved. 
This company not only attempts to place collections on my accountfor money I do not owe they also call under a different name, XXXX XXXX and searching their name on line they are known for harassing consumers. I would think there is some legality here as it has alreadyhas been determined the money they are requesting for payment has been paid so I do not know how legally they can report on my credit a collection that is nonexistent and also call me in regards to. Therefore, I am turningto you for some guidance as to how to stop future collections being placed on my credit report as well as stopping the harassing phone calls. 

Thank you, XXXX
Product: Debt collection

On XX/XX/2022, I signed up for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to further my education as a XXXX XXXX. The enrollment fee was {$7600.00}, which I agreed to pay over XXXX months. So far, I have made a payment of {$2500.00}. The program focuses on enhancing skills for XXXX XXXX to transition into online coaching. 

However, the course experience has been unconventional, and many of my peers are expressing dissatisfaction regarding the program 's promises of generating monthly incomes ranging from {$10000.00} to {$20000.00}. It seems that the main strategy involves recruiting individuals who are willing to pay the {$7600.00} fee, from which we earn commissions. 

XXXX apparently employed at least one individual posing as a fellow classmate to share a supposedly positive and legitimate experience, while removing any expressions of dissatisfaction from the class recordings. This tactic seemed deceptive and out of sync with the genuine concerns being discussed by the attendees. It was a clear indication to me that XXXX might be just another short-lived scam operation.

Shocked by these discoveries, I promptly requested to terminate my enrollment. However, XXXX demanded an additional {$1200.00} for termination, further highlighting their focus on extracting money rather than providing legitimate educational services.

To exacerbate matters, XXXX swiftly transferred my account to Rozlin Financial Group Inc ( RGFI ) for collection within just a month. Despite my requests to cease communication, RGFI persistently pursued me, even claiming that I owed them {$5000.00}.

In response to these fraudulent actions, I reported the matter to the Texas police on XX/XX/2022. Regrettably, I was advised to pursue legal action through a lawsuit.

RGFI must halt their collection efforts and cease contacting me immediately. Currently, there is an active lawsuit filed against XXXX XXXX, the CEO of XXXX, at the XXXX XXXX XXXX. 

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

After receiving my credit report, I am a victim of Identity theft. I am enclosing my Identification, Identity theft report from the Federal Trade Commission. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Home Depot/Citibank North America says that I am late on the dates below though I am sure that I pay on time always with my bills ... though I think there are times that I have not because the bill did not get to me on time or I simply did not received it. Please help me resolve this XX/XX/2020 XXXX
Product: Debt collection

We were contacted by mail b y Convergent Outsourcing Inc. (  letter dated  XX/XX/2017    ) in an attempt to collect a " debt '' for {$2600.00} to  XXXX . We have never had an account with  XXXX . This is a scam company. The next wee k ( letter  dated   XXXX   XXXX   XXXX     ) we received a letter supposedly from  XXXX , attempting to collect a debt of {$2600.00}. I called  XXXX   XXXX  the real  XXXX   ) a nd gave them the " account number '' at the top of the letter. Sure enough, it was associated with my husband 's name. But the account was " under collection '' and they could n't tell me anything about it. When I told them this was being done by a scam company and we did n't have a real account with them, they told me to disregard the letter. I asked that a complaint be reported to a supervisor at  XXXX  since Convergent is engaged in illegal actions using  XXXX  's name.   I am concerned that many people are being scammed out of money by this company. The letter said that if we did not pay, that  XXXX  would be authorized to charge the full amount to what ever credit card we had on file with them. If someone had received this letter and actually did have a card on file with  XXXX , that would be very scary! Please do whatever you can to shut this company down!
Product: Vehicle loan or lease

I had leased a XXXX XXXX XXXX from GM Finance. I returned the car at the end of the lease period XXXX XX/XX/XXXX ). I made ALL OF MY LEASE PAYMENTS ON TIME during the lease period. There was NO PAYMENT DUE when I turned in the car. 

My GM Finance account, however, continues to remain open and I continue to get billed every month, even after the car has been returned and I no longer own the car. I verified with the dealership where I returned the car - they did send my car return paperwork to GM Finance. They even resent it in my presence. 

Since I have not been paying these post-car-return " bills '' which are accruing for no reason, my account is now wrongly deemed DELINQUENT. If that was not bad enough, GM Finance has reported my account to the Credit Agencies as DELINQUENT!! 

The above has negatively impacted my CREDIT SCORE and has affected my ability to get mortgage for a house I am in the market to purchase. 

I have called GM Finance Customer Service NUMEROUS TIMES. Additionally, I have submitted complaints from the GM FINANCE Website and through Customer Service emails. I have also asked for help through GM FINANCE XXXX page. 

The Customer Service Agents I talk to one the phone seem powerless to do anything and " we will forward your case to the right department '' is the stock answer. Emails to customer service and complains submitted from GM Financial website are not responded to at all. 

After more than a month of trying to get my account closed, I have not been successful. The account is still open and I get warning letter from GM Finance Collections Department about supposedly " overdue '' bills. 

I need GM Financial to close my account and take steps to fix my credit score urgently.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site XXXX 

Please dispute the accounts. It was opened without my knowledge, authority or consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.