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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

complain was : I purchased a XXXX premier package from this company and spent several weeks and at least 15 to 20 phone calls getting them to do the job I paid for. I was assured my dispute would go out within a certain timeframe, three of them did, three did not. In addition my disputes were not customized based on the documentation I uploaded to the company. When the work was finally done Lexington would not provide me with a copy of the actual disputes they had submitted. As a result I have zero proof they actually completed the work paid for. They sent me a string of numbers and claims this was the dispute, and that they could not actually provide a written version, however this seems incredibly unlikely. The end result being that obviously my Negative and invalid credit Reporting remains on my credit report. I feel this company has failed to deliver the services that promised on multiple levels outlined above. I was billed twice XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX My invoice # XXXX My client ID I did file a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. Complaint ID XXXX. The company responded and claimed to have sent me the disputes, however what they actually sent me was a string of numbers. When I reached out to them it They were continually unable to provide them. Additionally in this complaint the main issues Im not producing the work, the duplicates and excessive billing, and the late delivery of work if it was even completed were never even addressed. Regardless the XXXX XXXX XXXX saw fit To flag this complaint as resolved even though it wasnt and I am extremely disturbed. I reached out to the XXXX XXXX XXXX by fax and expressed my dissatisfaction with the fact that they are A consumer protection bureau and it seems to me that they are covering up for this company in that this complaint was closed without the issues even been resolved. 

I feel like I was definitely scammed by this company and want some resolution My key issues outlined in this complaint were the inability to verify work, And double billing, And late submission of work if it was even completed.
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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

We have had disputes with our mortgage servicing company for years. Their misapplied payments and suspense accounts. we went as far as filing a bankruptcy which XXXX assured me they would rescind. XXXX raised our mortgage payment from $ XXXX to $ XXXX while we were in bankruptcy.We are current on our monthly mortgage payments... now they want to just raise out intrest rate to double. 

They cant stand that we have held our end of any agreements. 

I need in front of a judge. 
and a company that can stand up to this craziness. 
We need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX  has violated my rights for the amount of {$100.00} also XXXX XXXX XXXX XXXX has violated my rights for the amounts of {$5500.00}, {$6600.00}, and {$770.00}.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Product: Debt collection

This is regarding a collections attempt for a personal/consumer debt of approximately {$18000.00}. The collection agency is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 

On XX/XX/19 my place of employment received a call from XXXX XXXX and spoke very aggressively with my business partner saying they were trying to serve me papers. He said if I didnt call him back they would send someone to my place of work tomorrow. He got his contact information and I promptly called back. I spoke with Mr. XXXX and asked him to remove my office/work number from the list. He then told me his client wanted to make an offer. I politely told him I wasnt in a position to make that decision yet. At that point he raised his voice and started to belittle and threaten me. I told him he could call me back tomorrow with my decision. He then hang up and called my office number again and spoke with my business partner and started to yell and belittle him also and go into detail about the debt that I owed, the settlement offer he gave and that he would start seizing my assets. After I had requested him to NOT call my office again. He then proceeded to call my phone again and again several times. I called him back and asked for his compliance department. He again started yelling and told me thats not going to happen. 

He went against several consumer collection protection laws according to the Fair Debt Collection Practices Act and Consumer Compliance Handbook : 1. A debt collector may not contact the consumer at his or her place of employment if the collector has reason to believe the employer prohibits such communications. 
( I had requested that Mr. XXXX not call my office/work number again. Within 5 minutes he called my place of work and went into detail about my debt with my business partner ) 2. Communicating with Third Parties The only third parties that a debt collector may contact when trying to collect a debt are The consumer The consumers attorney A consumer reporting agency ( if permitted by local law ) The creditor The creditors attorney The debt collectors attorney ( Mr. XXXX told my business partner the specific details of my debt ) 3. A debt collector, in collecting a debt, may not harass, oppress, or abuse any person. Specifically, a debt collector may not Annoy, abuse, or harass persons by repeatedly calling their telephone number or allowing their telephone to ring continually. 
( I received 4 missed phone calls from Mr. XXXX in a 10 minute period from XXXX XXXX MT XXXX XXXX   MT ) 4. Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt ( Mr. XXXX falsely told my business partner he needed to serve me papers, identified his business as XXXX XXXX XXXX and that he would have someone come by my office tomorrow to serve me papers, when no lawsuit has even been filed yet )
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Minimum payment met on XXXX XXXX credit cards ( please see attachments ). 

-Called in and XXXX XXXX agreed to fix their mistake. Removed from credit report XX/XX/2020. However it popped back up on TransUnion XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This vehicle was repossessed by XXXX XXXX XXXX in the State of  Virginia on or about, XX/XX/17, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Product: Credit card or prepaid card

Have a card for XXXX XXXX thru First national bank of Omaha. Credit limit was decreased because they said payment was received 3 days late regardless I send the payment every day of the month. Told them maybe was late due mail problems due to COVID-19. Account was reviewed but not changes done.
Product: Debt collection

This company ( Medicredit Inc ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood  Woman with my XXXX Given name ( XXXX XXXX : house XXXX XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
Product: Checking or savings account

On XX/XX/XXXX  I received a Welcome to Chime email as well as an email alert that this account had been accessed. I immediately notified Chime and let them know this was fraudulent and to close it. I also requested any information provided so that I could include that in a police report ( ir. Address used when opening the account ). I was informed that in order to get this information, I had to submit a police report or an FTC Identity Theft claim ( I submitted the latter ). I have since emailed for a status update and each time I receive a response, its a generic email that does not address my question. Ive also called and was told they cant see that info. XXXX XXXX  responsibility for failing to prevent fraud accounts and has failed to provide what it said it would
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious XXXX XXXX and could no longer drive or work to make the payments on the car.I lost the XXXX XXXX XXXX. Had to go to a XXXX XXXX for almost two years and through XXXX XXXX for 14 months before i lost tXXXX XXXX XXXX XXXX XXXX XXXX. They just XXXX. I now have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This can all be verified. I had to have XXXX XXXX in XXXX 2015 of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story
Product: Debt collection

This was a house that I moved out of and they tried to sue me. I went to court nobody from their company showed up, the judge dismissed this case in its entirety and also noted that the plaintiff being vintage plaza would not be able to seek any monetary damages from me ever nor put anything negative on my credit report and if they did they would be held in contempt of court. I got notified by a collection agency and that's how I found out what was going on. It is on my credit and it is not supposed to be and I am fighting with them to get this removed from my credit. I just went back to court and the judge issued a {$2500.00} contempt of court fine and let it be known that they need to remove this from my credit or they will face a {$10000.00} fine. They do not want to remove this from my credit even though it was never supposed to be there in the beginning I left not owing anything and they still tried to get me for damages after they were told they could not.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX - I have never authorized or opened an account with this creditor and informed them that i am a victim of identity theft, I did not open this account and i do not owe this balance I have explained and reached out to this company and have not received a response. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX XXXXXXXX, ( The Insurance has paid this company in full and I have requested that they remove this from my credit report because i no longer owe this debt, it has been over 32 days and i have yet to recieve a response this is a direct violation of the law. ) XXXX XXXX XXXX XXXX, I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX, XXXX CHILD SUPPORT XXXX, inaccurate missed payments where there should be ontime payments this creditor has violated my rights under the following laws 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and LATE CLOSED, CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a late closed charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these late closed, charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to register for myEquifax multiple times to view my report and open a dispute ; every single time I get the error message : We are temporarily unable to connect to our services Please try again later I called Equifax on XX/XX/2021 for assistance in registering and they told me that my e-mail was not valid and that Equifax 's system couldn't use it. My e-mail is valid and the Equifax system should recognize it.
Product: Checking or savings account

I recently opened an account with Santander, experienced some fraudulent activity through no fault of my own, and had my account closed. Communication throughout the entire experience was terrible, and {$5.00} of my money was never returned to me. 

Back in XXXX, I received mail offering a {$400.00} dollar bonus if I opened a Santander checking account. I'd had some bad experiences with other banks, and was eyeing Santander anyhow, so I decided to give it a try. On XX/XX/XXXX, I opened a checking and savings account in branch. I had plans to open a business account as well, but was leaving for XXXX for two weeks, so decided to do that upon return. 

When I returned on theXX/XX/XXXX, I created an online account in order to transfer some money in and then set up direct deposit. I immediately noticed fraudulent activity which had occurred between the XXXX and XXXX. Someone had apparently deposited a bad check and withdrawn money from the ATM. Presumably they got ahold of my new ATM card somehow - it never arrived in the mail. As I had a mail hold from XX/XX/XXXX until XX/XX/XXXX, this would have had to be at the post office or at Santander itself. I called Santander to report this. They froze the account, saying I would receive results of the investigation in the mail. I eventually received a letter stating that the fraudulent charges were reversed. 

After the holidays, I called in to see if I could get another ATM card. After a lot of waiting, I was told that the whole account was now determined to be a fraud risk, but if I went to a bank I could close it and reopen. I was also told that the {$5.00} returned item fee from the bad check would be refunded. Upon going to the bank and attempting to do so, I was told that Santander would not allow me to open another account, and would in fact not refund that fee. I did leave with a check with my other money, but with quite a bad taste in my mouth. The banker was great, but it sounded like the person on the other end of the phone was telling him the bad news.

This fraud was very clearly not my fault, yet I was punished for it. I probably wouldn't have written this letter were it not for the {$5.00}. It's not a lot of money, but it's the principal of the matter - there is no reason Santander should not have given it back to me. The reasoning behind not restoring my account is also very suspect. I was told that some people open accounts in order to do this sort of thing, but that was clearly not the case - I both wasn't in the country, and had a mail hold so couldn't possibly have received the card. The banker even admitted it clearly wasn't me, but said that whoever was on the phone didn't care. All in all, I am very disappointed in Santander. I was looking forward to a new bank, but instead got a giant mess that cost me a lot of time - and {$5.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to send letters to XXXX, XXXX, and Transunion. 
I have not been able to get these addresses removed on my credit report. I do not live at these addresses. I have never lived at the following addresses listed. 
My current and only address is : XXXX XXXX XXXX XXXX, MI XXXX