23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Conn 's Home Plus has called me several times at work each day and I'm only one day late. They also are calling me excessively 5-7 times a day. I have asked them not to contact me at work but they continue to do so.
Product: Credit reporting or other personal consumer reports

A few months ago i noticed that i had a bankruptcy reporting on my credit report. I did some investigation and found out that my mother had filed for bankruptcy. I disputed the bankruptcy with all 3 bureaus and only 1 bureau took it off. Experian and XXXX did not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian investigated the original dispute in XX/XX/2019 and removed XXXX from the credit report as shown in my credit file. Experian then allowed XXXX without valid or legal proof to put the derogatory account back on my account. The other 2 Bureaus XXXX XXXX XXXX  deleted XXXX XXXX from their bureaus. Experian failed to ask me to provide documentation and proof that XXXX XXXX was fraudulently put back on my Experian Credit File. In fact Experian failed to provide me the documentation XXXX XXXX provided to Experian showing the account is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX collection company has not removed themselves off my credit XXXX XXXX has removed the original collection and now another collection company is bothering me via mail
Product: Mortgage

I called dovenmuehle to get a pay off .To refinance my loan there refueling to send one today I call. And they said the sent on off I never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  On XX/XX/2023, I filed a complaint with CFPB against, XXXX, XXXX and Equifax. As of today, some or none of those disputes have still not been resolved. 

Further, with regards to the investigations that the bureaus have stated are complete, upon pulling my reports today I find numerous inaccuracies.I am baffled that these accounts came back " investigated and certified as accurate '' when there are glaring discrepancies with all XXXX bureaus of said accounts. I am aware that by federal law, these accounts must be 100 % accurate if they are to be reported or they must be deleted and I am entitled to compensation for these willful violations under 15 U.S.C. 1681 Code.

According to 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 


Accounts in Question : XXXX XXXX XXXX ( EQUIFAX ) XXXX XXXX XXXX ( THIS COMPANY HAS REQUESTED THAT THIS ACCOUNT BE DELETED, HOWEVER, THE CREDIT AGENCIES REFUSE TO REMOVE IT ) XXXX XXXX ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting late paiments and i never paid late. The account they reportin late paiments is XXXX XXXX XXXX XXXX of the account XXXX
Product: Debt collection

Account info Account name IQ DATA INTERNATIONA Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5200.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$4300.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Company is fraudulently reporting on my credit. I never signed signed any documents stating I give consent to this 1 month payment. The amount is not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 'annual free credit score ' link in your website : XXXX XXXX XXXX.action leads users to a labrynth of links that ultimately do not resolve into a credit score unless you have a link map that will navigate the user through multiple 'enter your credit card ' pitfalls into something that will actually tell you what your credit score is. I know the agencies to whom I owe money. I just want to know if I can rent an apartment, buy a car, or qualify for a mortgage. Can we please just have a clear indicator of what our scores actually are? This is insane, seriously. This link is not a bridge to a free credit score. It's a shameless hand out to credit companies trying to talk responsible adults into taking out more lines of credit.
Product: Credit reporting or other personal consumer reports

This account of {$540.00} is fraudulent with XXXX XXXX XXXX. Ive sent in multiple proof and information. I have no knowledge of this account and did not give anyone the right to my social security number. Nor did I give any rights for this account to be placed on my credit files from this company. Delete this account immediately.
Product: Mortgage

XXXX XXXX XXXX XXXX has been doing business as several different companies buying and selling the same mortgages to themselves and profiting on it from both sides, All while never giving their customers proper consideration. 

Violation of 18 USC subsection 1348 Federal crime to defraud someone and connection with the security or commodity or obtain money from property from purchasing or selling a security.

Violation 12 USC 1431-Banks cant actually lend money because they are the borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 12 months I have sent information to XXXX   asking them to VALIDATE XXXX XXXX that has been added to my credit report. The only response I am getting from XXXX is verified.
Product: Mortgage

I have requested on two ( 2 ) separate occasions to have us removed from escrow. I followed the instructions I was given, however each time it was denied, because they either didn't apply my extra payments accordingly or they overpaid my insurance or sent the payment for my real estate taxes earlier than they told me. With each request they always delay the paperwork or make an early payment so we are always in negative escrow.

We have never missed a payment and we have always paid an extra principal payment every month.

Truist Bank is one of the worst banks to deal with and depending on whom you speak with the information can be vague or there is a delay in sending the necessary paperwork to process your request.
Product: Credit card or prepaid card

I did not receive my e or paper statement and therefore did not know when my due date was and was assessed a late fee. I called and spoke to four different people on the chain of command and they admitted male has been weird the past two years but that they have to be consistent with every client and that the late fee was assessed appropriately. I argued how am I supposed to know my due date when I havent had a balance on this bill for a few years and didnt receive a statement is still not waiver fee this does not support their mission statement or their business practices.
Product: Debt collection

Repeated calls from company with threats of legal action prior to me sending the check to bring the account current. The day after the check to bring the account current. A representative arrived at my apartment and proceeded to argue about the debt in the hallway within earshot of my neighbor who should n't have heard information regarding my debt. After XXXX was notified the check was mailed and to leave, she threatened to return with police officers.
Product: Debt collection

Investment Retrievers is a collection agency that continues to report an account that is a result of identity theft. I did authorize the account they're are attempting to collect nor do I own or have the vehicle connected to this debt. I have submitted an identity theft report and disputed the account as fraud with the credit bureaus but Investment Retrievers continue to verify a debt they have not and can not validate with my signature in a contract owning up to this debt. it has caused me damages and continues to ruin my credit and defame my character.
Product: Payday loan, title loan, or personal loan

I was sent an email saying that I was approved for a personal loan, sent me the contract in a PDF file and everything, looked legit, but then they wanted me to go purchase a {$500.00} XXXX gift card after depositing {$890.00} and change into the account, I gave them the info and now I realize after reaching out to the actual company that this was scam
Product: Credit reporting or other personal consumer reports

Hello, I have a loan with Credit Acceptance. I have been making my payments mostly on time. I believe this year I have fallen behind 3 or 4 times. I am even on autopay as of XX/XX/2023. This company has been reporting me making late payments because I make agreements for a lesser amount of what is owed. This is not a late payment but a payment arrangement. I have tried calling and refutting this information but they say this is a valid status. I even tried making a dispute with XXXX and they did not change the status back. This has been happening for 3 years and doesn't make sense. Can someone look into this for me?
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, I reached out to XXXX, XXXX, and Experian, asking them to investigate Account Name : XXXX XXXX Account XXXX. They claim to have done their due diligence with their investigation, but there are still multiple inaccuracies across all three consumer reporting agencies ( XXXX, XXXX, and Experian ). These inaccuracies are highly injurious to my credit report and my XXXX XXXX. In accordance with XXXX XXXX XXXX : Compliance procedures XXXX B " 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 whom the report relates. XXXX XXXX has closed date listed as XX/XX/XXXX, and XXXX XXXX reported that I made on time payments on XX/XX/XXXX and XX/XX/XXXX across all the consumer reporting agencies. This information is misleading and inaccurate and has affected me from getting credit from various lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the following fraudulent items that I want to be removed : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with TransUnion and I have not been able to get this harmful and inaccurate information off my credit profile, even after submitting a police report and an identity theft form. Many addresses, phone numbers, and names have been found on my credit profile that I am not responsible for nor associated with. This fraudulent information is harmful to my profile, it is affecting all aspects of my life, and hindering me from any financial decisions. It is robbing me of my basic rights as a citizen of the UNITED STATES OF AMERICA. TransUnion is the company responsible for allowing this information to be reported on my account in the first place. Many people are very ignorant of their credit profiles and do not know that Credit Reporting Agencies make money while their information is on their report, regardless of whether it is true or false information. I did not apply for the following accounts/services, I have been traveling the world back and forth. I did not give TransUnion consent to place anything on my profile, nonetheless anything FRAUDULENT. I am being denied basic human rights such as shelter, safety, and privacy. If the following fraudulent accounts and fraudulent address are not removed from my TransUnion credit profile, I will be forced to hire an attorney and seek damages due to TransUnion 's unchecked and UNLAWFUL actions against my life and my credit profile. 
FRAUDULENT ACCOUNTS BELOW 1. XXXX XXXX ( Authorised User ) XXXX**** 2. DEPT OF ED / XXXX XXXX**** FRAUDULENT INQUIRY 1.  XXXX XXXX XXXX FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX XXXX MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to rectify a collection account on my credit report for over a year and I am at my wits end. I originally had a XXXX XXXX account with XXXX and was having no issues until the XXXX XXXX. I am now XXXX and was given a payment plan to have my payments reduced in 2020 due to a financial hardship. I made all of my agreed upon payments. At the time my balance was approximately {$3000.00}. After about 90 days, I was told my payment plan was no longer valid and my balance ballooned to over {$10000.00} due to interest accrual. I was informed that I was given erroneous information about how long my new plan would last and was sorry for the misinformation. Soon after, my account was sold unbeknownst to me to another company for collection. I did not authorize my personal information to be given to anyone. There are now 3 companys sending threatening letters and have my PERSONAL information in their possession. The companies are Resurgent, LVNV LLC and now XXXX XXXX XXXX XXXX is sending threatening letters. I understand XXXX charged off this debt and sold this account to these additional predators. This is wrong and I have sent numerous letters to XXXX, XXXX and XXXX to no avail disputing this account from LVNV and the amount owed as I do not know who they are or how they got my personal information. I definitely did not sign any contract with them.
Product: Credit reporting, credit repair services, 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 be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX.
Product: Credit card or prepaid card

I have a loan with AMERICAN HONDA FINANCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and AMERICAN HONDA FINANCE with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX.
Product: Credit card or prepaid card

In XXXX and XXXX, I made three payments to Capital One, 2 out of 3 times I utilized my newly established Capital One Saving Account. However, making the payments from Capital One Savings to Capital One Credit Card, took longer than four or five days. However on XX/XX/2020 an ACH was processed from Capital One to XXXX XXXX in the amount of {$900.00}. The funds were processed and transferred to Capital One before XXXX ( PST ), however when I contacted Capital One to inquiry about thier processing times, it was stated " processing occurs several times a day. '' However, for some reason, the balance was not updated. Today, XX/XX/2020, I noticed my balance {$0.00} and available balance {$99.00}. At the same time, I received a credit alert from XXXX Credit Bureau stating due to high balance, my credit score has decreased. Immediately, I contacted Capital One, and waited 1 hour 36 mins, to voice my concerns, however the Capital One customer service representative would not allow me to voice my concerns. Then, I requested to speak with a manager, XXXX was very patient, however repeated robotic company policies. therefore, I conference in XXXX XXXX, who verified the funds had left the account, then Capital One Supervisor XXXX provided the robotic answer, and would not allow any upper management to contact me. In addition, XXXX stated it will be seven days before the funds are released. Please do not do business with this company, because it is the Epitome of Dishonesty, Rude, Horrendous Customer Service, and Horrible Ethics/Policies.
Product: Consumer Loan

I have requested both Navy Federal Credit Union and XXXX XXXX to provide me proof with the VIN # to the vehicle that they are reporting as charged off. They have refused to provide me a the vehicle identification number that is assigned to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a formal 15-day request via US mail for a description of the procedures used to determine the accuracy and completeness of the information furnished to my credit report regarding account # XXXX with Ally Financial and/or Ally Bank, and a dismissed Chapter XXXX bankruptcy in XX/XX/XXXX, per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), wherein it states, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15-days after receiving a request from the consumer for that description. 

As of today, XX/XX/XXXX ( 20-days later ), I have not received the information I have requested and Experian has misqualified my 15-day request as a 30-day dispute, added additional days, failed to document the last date of verification ( from previous investigations ), and continuously failed to report accurate and complete information in the matter of these 2-items ( mentioned above ). 

1. ) Account # XXXX with Ally Financial and/or Ally Bank : I have personally engaged the US Bankruptcy Court for the Western District of Washington via telephone and US mail to confirm dates-of-birth and social security numbers of parties named in any case are not shared with third parties. 

2. ) Dismissed Chapter XXXX Bankruptcy/ XXXX : I have reached out via phone and email to Ally Financial to confirm the original contract a. ) can not be located b. ) Ally Financial no longer " owns it '' and c. ) there is new case law supporting my position in the matter as of XX/XX/XXXX ( Ally Financial Inc. v. Haskins class action settlement received final approval ).
Product: Credit card

I am STILL struggling to understand why my Paypal Credit account was locked for " unusual activity '' at around XXXX XXXX EST, two nights in a row, at the beginning of XX/XX/year>. It happened twice. Please see attached screenshots of my emails from Paypal 's security system for proof. Synchrony 's first response back in XXXX ( attached as a PDF ) implies it was PROBABLY locked as part of the process in my identity theft investigation, but their explanation seemed pretty vague. Synchrony 's newest response from this past week is telling me I need to contact Paypal directly to figure this out. Well, I DID previously contact them directly on CFPB Case Number XXXX. Paypal rejected this report without saying anything to me, and it was silently passed over to Synchrony. The past four months have been an unrelenting battle where I'm getting kicked around in every direction and I'm not getting any clear answers for my legitimate privacy concerns. Please see the attached PDF reports from XXXX XXXX XXXX for that whole horrendous paper trail. So, I'm back to my second attempt where I'm asking Paypal this question directly : WHY was my account getting locked at random hours two nights in a row? Is this something Paypal was legitimately doing as part of the identity theft case, or was this some anonymous goofball trying to hack another one of my bank accounts as a prank? The thing is : IF this is just something Paypal did manually as a precaution, I really don't mind! I would still be wondering why they chose to lock my account twice at XXXX EST in the XXXX, but at least I would know who is doing it. BUT I still need to know : Was this someone trying to hack me again?!
Product: Student loan

My loan was distributed from the XXXX to my university, Argosy University XXXX, and applied to my account on XXXX XXXX, 2016, which I have screen shots of on my computer to verify. However, Argosy University refused to release my funds to me, including an XXXX dollar XXXX loan to pay for my living expenses and a XXXX dollar scholarship. Argosy released my funds on XXXX XXXX, 2016, but not to me directly, and when I asked the financial aid advisor, XXXX XXXX, where my funds were, he informed me that he did not know, to which I have him on a voice recording saying such. When I asked XXXX if Argosy still had my funds, he said, " Yes, we still have them, they 're here, '' to which I also have him on record stating. I asked XXXX to release the funds and scholarship to me, to which he replied that Argosy could not do so, and that they had to be released through XXXX, and that I would have to contact them for setting up Direct Deposit and accessing my loans. When I asked XXXX for the contact information of XXXX, he gave me a false phone number that directed me to time share, vacation home, and credit card offers.