23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter requesting payment of {$150.00} for " defaulted contract '' for XXXX XXXX XXXX on XX/XX/21. I had a gym membership previously with XXXX XXXX for many years and the contract was fulfilled after obligation and then I went on a " month-to-month '' status. XXXX XXXX XXXX purchased XXXX XXXX but my contract had been fulfilled years prior to this change of ownership. I do not owe any money for a " defaulted contract. '' I have written a letter back on XX/XX/21 addressing this and have yet to be notified by Aldous & Associates who sent me the notice. I do not owe this amount, or any amount to XXXX or XXXX XXXX and want this matter closed immediately.
Product: Mortgage

Funds were submitted to affect payment in full, the account was credited and the reversed. An agent from the bank agreed to return the check in return for a replacement check, instead the bank kept the check and began collections again. 

The bank shows no accountability for actions and continues to make false and misleading statement as well as deceptive practices.
Product: Money transfer, virtual currency, or money service

I message many times to request unholding my funds manually in PayPal. From XX/XX/XXXX to XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

I have not applied for a vehicle. I look at vehicles online just looking and the dealership automatically finds my name and then runs my credit report and they dont run it to one place. They run it to 20 or 30 places so I have like 90 hard inquiries on my Trans Union, XXXX, and XXXX credit reports of lenders from dealerships that are just running my credit rampantly and irresponsibly. They dont never take anything off it stays on there. Ive got 90 inquiries from far back nothing ever goes away and theres different credit reports that show different information and like it doesnt ever go away like I have one on there from XXXX  on that was way back in XXXX. They said they get to leave it on there until XXXX you know and the Dealerships are the ones I really wan na get off of there because 90 inquiries makes me look irresponsible and I never did that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a formal dispute to TransUnion Consumer Relations regarding multiple inaccuracies on my credit report. Despite my request for investigation and correction, the inaccuracies remain unresolved. I am seeking a fair and timely resolution to ensure my credit file accurately reflects my financial history. 

Below is a summary of the disputed accounts and the specific errors that need correction : Accounts in Question : XXXX XXXX XXXX : The reported balance of {$700.00} is inaccurate and does not match my records. I request verification and correction. 
XXXX XXXX XXXX : The balance of {$1200.00} appears incorrect. I request validation of this amount or removal if inaccuracies are found. 
XXXX XXXX XXXX XXXX : The reported balance of {$2600.00} requires verification. If this account is not valid, I request its immediate removal. 
Satisfactory Accounts : XXXX XXXX XXXX : While the reported balance is {$0.00}, recent transactions and activity are not reflected. I request an update to ensure accurate reporting. 
Actions Taken : I submitted a dispute letter on XX/XX/2024, requesting an investigation and corrections.

I included supporting documentation, such as my credit report with disputed items highlighted and proof of identity. 
I have not yet received a satisfactory resolution or confirmation of the requested changes. 
Request for Resolution : I kindly request the following actions : A thorough investigation into the disputed accounts. 
Correction or removal of inaccurate information. 
Written confirmation of the findings and an updated copy of my credit report within the legally required 30-day timeframe. 
I appreciate your prompt attention to this matter and expect a resolution that ensures fair and accurate credit reporting.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with CONVERGENT OUTSOURCING plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Approx XXXX I sent a dispute to Transunion about a XXXX on my credit report that I wanted them to investigate as not mine .They came back on XXXX with a verified as accurate. I sent another letter to them XXXX asking them to reinvestigate and verify the method of verification, and to use my name, address, social security number and birthdate. On XXXX they sent a letter to me, that they will investigate the dispute, by contacting the source, or hire a third party to check applicable local, state and federal court records to verify the accuracy and / or completeness of the information reported. 
That has been over a month with no new information from there last findings of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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  XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : POWER XXXX R XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

My account was closed want give me a reason tried to open a new account tried calling I've emailed and it's been close to 2 years now I don't think I done anything maybe some one else was in my account but they want look at it to see I am probably a part of the lawsuit going on right now because it is a Cash account
Product: Debt collection

A collection company forcefully put a collection on my credit report. I DO NOT OWE THE DEBT. I have never ever own any medical bills. They constantly taunt me with this force debt every year. I have sent a certified mail to the collection company to provide all the information of where, when and how this debt was owned. I never hear from them. Instead they always communicate with XXXX. At this point I think XXXX work hand in hand with collection companies to forcefully get money out from naive individuals and put FORCE information on people who strive to keep good credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX date of first complaint CFPB XXXX I originally tried to get Santander to remove this wrong information. See file number above. Santander, said they were no longer reporting the information. The first collection agency sent the account to another collection agency. Now it is XXXX and legally past the statute of limitations. Santander and the new Collection are reporting wrong information like the date of the last pmt was XX/XX/XXXX when the account was closed in XXXX. These should be removed. Santander tried to tell me it was a different account but either way. it is past the statute of limitations and they are trying to re age the date on the collections. can you please help. I have attached the complaint and other files. I am not sure if the complaint is referring to the account below but i have attached it. Also it is irrelevant as the account is just invalid as it is past 7 years and they both are reporting wrong information. The last payment made on this account was XX/XX/XXXX. Date of first delinquency is reporting XX/XX/XXXX and date of last pmt is reporting XX/XX/XXXX. I never made another payment since XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Collection agency XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Checking or savings account

I was a Client Ive been to the west last month. I asked them to close my account because I changed banks and I let them know how disappointed I was in them. Well, they didnt close my account. They left it open for my Social Security check to go in there, when I went to retrieve my money, they had locked me out of the bank and called the police on me. Bank of the west is merging with BMO bank of the west has no knowledge of my remaining balance of {$500.00} I called Social Security I called BMO. Im called every single place to be given the runaround when I went to pick up my money I had {$500.00} in there in my account online I could see the minute I pulled up they close my account. It was {$500.00} left and all that went down the tray.
Product: Credit reporting or other personal consumer reports

Transunion is showing a hard inquiry on my account from XXXX XXXX XXXXXXXX on XX/XX/year> for a credit card application, which was a result of fraud. They have refused to remove it from my account without a formal complaint.
Product: Vehicle loan or lease

I received a letter in the mail with my personal information including credit score from Wells Fargo when I did not ask for a credit report from them or for them to run my credit at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to the request from TransUnion to re-submit the complaint I sent through CFPB. The assigned case number is XXXX. Below was their response. 

After reviewing your complaint, our records show the information you disputed does not currently appear on your TransUnion credit report. The current mailing address you provided is not listed in our records. In order for TransUnion to process your request and to protect the private information in your credit report, please re-submit your complaint along with verification of your current address. Acceptable forms include copies of two of the following qualifying documents : current drivers license, State ID Card, Utility Bills, Bank or Credit Union Statement, letter from the Social Security administration, cancelled check, pay stub, stamped post office box receipt, bank or credit union statement. When providing proof the documents can not be older than two months. Under the guidelines of the Fair Credit Reporting Act, in order to assist you, please contact us : By phone : XXXX. Monday-Friday, XXXX XXXX  XXXX XXXX ET, by mail : XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX Please visit XXXX XXXX XXXX for frequently asked questions about your credit report. 

I have already mailed them the copy of my current drivers license and the bank statements over the last two months. I am re-submitting the complaint through CFPB as well.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a XXXX XXXX # XXXX account in error. This account has already been resolved and should no longer be on my credit. Experian is the only bureau still reporting this collection and it is invalid and should be removed.
Product: Credit reporting or other personal consumer reports

I keep having the same problem with Onemain Financial someone is using my information and pulling my credit which is a hard inquiry on my credit report. I have contacted them concerning the issue and I also filed a fraud to the credit bureau this is still on my credit report someone trying to get a loan from my information. I was advised to put a freeze on all three credit bureaus which I have done today. But this inquiry is still on my credit report.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This LOCKHART, MORRIS & MONT account with a balance of {$73.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature along with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me, this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX  XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX  from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection XXXX said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 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 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 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 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 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
Product: Checking or savings account

On XX/XX/XXXX. XXXX Capital One was suppose to release my direct deposit from my job. I work for XXXX XXXX and it is XXXX XXXXXX/XX/XXXX and I have yet to receive my direct deposit into my account with Capital One. I have called multiple times between yesterday XX/XX/XXXX and today XX/XX/XXXX. I was only to speak to someone yesterday XX/XX/XXXX and the representative stated I will have my money by end of day. It is now XXXX pm XXXX and I have not received my money. I was suppose to have my paycheck deposited in the amount of {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to its website, Equifax 's recent cybersecurity breach resulted in the theft of my personal information. As best I can tell, the hackers have gained access to my name, address, social security number, date of birth, and possibly other personally identifying information that would be useful for identity theft. I have placed an initial 90 day fraud alert on my credit report, but there is little else that I can do at this point to prevent identity theft.
Product: Credit card

With all the offers of 0 % for a limited time, not all banks put the expiration date of the offer on their statements. This has already cost me {$100.00} in interest charges on one credit card because I was n't aware that the offer was expiring and was given the wrong month of expiration when I called. There have got to be many more people who are losing money to banks this way. The consumer should be warned when the offer is expiring to give them a chance to pay the balance in full.
Product: Student loan

I have been trying to get help from Sallie Mae regarding my loans for over a year now. I have called multiple times explaining to them that I can not afford the XXXX payment they have requested. I only make XXXX a month and I work XXXX XXXX. I have been doing everything in my power to make these payments but I can not anymore. I dont have the money or the capacity to make the payments. They are taking so much money from me that I am going to be homeless soon because I cant afford to pay rent. I dont have the option of moving home and i dont have anyone to help me. My father passed away while I was in college and my mother doesnt make enough money to help me either. The only option they gave me was to let me loans go delinquent and then the collections department would call me but they have made it very clear that even if they call me there is still nothing they can do. So my loans will be delinquent and ill have no way to repay them. I have been calling trying to speak to a hirer up but they wont let me. How am I going to pay Sallie mae when im homeless and lose my job because of it?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I believe my personal information has been compromised, and I am taking necessary actions to protect my credit. 
Please find the details of the accounts that I request be blocked and deleted : Accounts : 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 XXXXXX/XX/XXXX
Product: Debt collection

in CFPB XXXX ... CENTRAL FINANCIAL CONTROL SENT A FABRICATED FALSE RESPONSE.CFC SAID I WAS NOT COVERED BY MY 100 PER CENT COVERAGE INSURANCE. 
I HAVE ATTACHED MY COBRA POLICY PAYMENT CASHED BY MY EMPLOYER ON XX/XX/XXXX.I HAVE ENCLOSED A BILLING SHOWING THE SERVICER RETURNING CHECKS TO XXXX.I HAVE A BILL FOR XXXX THAT WAS NEVER SENT TO THE INSURANCE BY CFC 'S CLIENT. 
ONCE AGAIN I HAD 100 PER CENT COVERAGE FOR XXXX THAT YOUR BILLING DEPT XXXX. 

CFC BY REPORTING TO THE CREDIT BUREAUS IS DAMAGING ME WHILE I TRY TO GET A MORTGAGE. 
THE RESPONSE TO THE PREVIOUS CFPB INVESTIGATION SHOULD HAVE BEEN TO DELETE REPORTING TO ALL CREDIT BUREAUS FOR THEIR NOW WILLFUL ERROR.
Product: Debt collection

I am a natural person ; consumer. I am aware that this company is attempting to coerce me into paying an alleged debt I do not owe furthermore violating my federally protected rights. Please review the attachment to see my complaint.