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

A bankruptcy is showing on my Equifax credit report that doesnt belong to me. Im currently in the process of trying to get approved for a home and this is preventing me from doing so. I contacted Equifax directly and they were supposed to be removing this public record as it is a result of a mixed file.
Product: Vehicle loan or lease

On XXXX XXXX @ XXXX XXXX  my boyfriend ran down the stairs to stop a towe driver trying to repo my car.He woke me up by screaming my name. As I came down the stairs to try and make sense of things the towe driver said he was sent by my finance company! California Auto Finance XXXX XXXX XXXX XXXX XXXX CA XXXX. There phone number is XXXX XXXX XXXX. I tried to get in contact with them but I'm not getting an answers. The towe driver gave me a card and the name of the company is ASAP phone number XXXX XXXX XXXX.
Product: Debt collection

Complaint is in regards to reported medical collection being reported to all 3 credit bureaus. 



Collection Account : Capital Accounts LLC Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Amount : {$400.00} Under the Fair Debt Collection Practices Act, I have disputed and requested validation from all 3 credit bureaus regarding the alleged debt on multiple occasions. XXXX  deleted the account as validation of the debt was unavailable. The collection remains on my report with the other 2 lenders and continue to be verified as accurate despite request that proof of verification of debt be provided to myself. Another certified letter was sent to both XXXX  and XXXX  on XX/XX/XXXX regarding the matter, again disputing the information. On XX/XX/XXXX I contacted the debt collector of the alleged debt ( Capital Accounts LLC ) to obtain information regarding original creditor and validation of alleged debt. Information was with held from me as I was told the could only tell me the doctors name and amount owed.They did not tell me the clinic of the provider, or number to reach them at. I requested validation of debt and was told it would be requested from the original creditor to provide to myself. How are they verifying this debt if they have never received anything but the amount they claim I owe? I was told they would send me information regarding the visit Such as procedure completed and breakdown of charges in 1-5 business days. It has been 7 business days since and I again have not gotten proof of verification of this debt that continues to be verified with each dispute. As a medical collection, this is a violation as I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Capital Accounts LLC to obtain my medical information. 

This account was deemed as unverifiable by XXXX  when previously disputed. Please DELETE this medical Collection from my credit report as is not mine, has not been verified on multiple occasions as requested, and is a direct violation of HIPAA.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on XXXX XXXX, 2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC XXXX XXXX Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$2300.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX Ct, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX Ct, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX BANK XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Bank account or service

1. On XXXX/XXXX/2016, I transferred {$480.00} and {$46.00} from XXXX external accounts to my Chase checking account. I was expecting these funds could be used within 2 business days. 
2. On XXXX/XXXX/2016 ( which is the third business days after XX/XX/XXXX ), I transferred {$40.00} out of my Chase checking via XXXX before I found out that the previous XXXX transfers were not deposited into my account. 
3. On XXXX/XXXX/2016, I was charged {$34.00} as INSUFFICIENT FUNDS FEE though I have over {$500.00} transfer in pending since XXXX/XXXX/2016. 
4. I argued with Chase but they said it is the policy and they would not waive the fee.
Product: Credit card or prepaid card

On XX/XX/XXXX I tried to register for a free trial course with XXXX To register, XXXX requires a credit card. XXXX DOES NOT SEND A CONFIRMATION EMAIL TO CONFIRM THE ACCOUNT. When I tried to register for the course moments later, I could not log in. When I contacted XXXX, they said I did not have an account. I could not take the course. I could not cancel the trial with in the 30 days. In order to reverse charges, they said I would have to EMAIL ALL OF MY INFORMATION. EMAIL IS NOT A SECURE FORMAT. THEY KNOW THAT. For 5 months XXXX charged me a fee for an account they said I did not have.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Transunion permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you
Product: Vehicle loan or lease

Lender is contacting relatives for payment. This is against FAIR DEBT LAW. THEY HAVE BEEN TOLD BY REATIVES TO CEASE.
Product: Debt collection

I have no knowledge of this debt. I wasn't mailed anything in regards to this debt. I tried to call and speak to someone for over an hour this morning. I was unable to speak to anyone. This debt appeared on my credit report this morning without any notice to dispute. Please delete ASAP.
Product: Debt collection

A collection company, Convergent, the 2nd collection agency employed by XXXX XXXX, has been sending letters and contacting me even after I told them this account is in " Dispute Status '' with XXXX XXXX. I have chat, phone call & certified letter evidence that XXXX XXXX was notified this account is in dispute and the reasons why were documented and sent to them in multiple ways. They still sent this to Convergent for collection. Convergent  reported this on my credit reporting & did not list it as " disputed ''. 


Notice of Billing Dispute XXXX XXXX XXXX cell # XXXX XXXX XXXX XXXX XXXX Account # XXXX Disputed Amounts : 1 ) {$510.00} erroneously added to my XX/XX/2022 bill for International Roaming Data usage. This was caused by an error by XXXX XXXX. I called in XXXX oXXXX XXXX to turn off all International Roaming & International Calling Plans due to unhappiness with the costs and functionality issues. XXXX XXXX agreed to suspend all international data usage but failed to do so. 
2 ) {$350.00} Promotional Chargeback listed after my account was moved to XXXX in XX/XX/2022. I am being charged some form of early cancellation fee for a Gift Card that I never received or used. I was month to month with no early termination penalties in my contract with XXXX XXXX. In addition, you put me under duress by threatening to suspend my cell ph # service. My cell ph # is needed for my work. This constituted a Breach of Contract and is why I was forced to drop XXXX as my carrier for cell ph service. 


XXXX XXXX, No Final Payments will be made until you correct the above-mentioned issues. I dispute 100 % of both charges listed above and any additional collection, early termination or any other charges XXXX XXXX attempts to make up. In addition to XXXX XXXX receiving this Dispute Letter, a copy will also be sent via certified mail to all 3 credit repositories, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX was given every opportunity to fix these errors. Instead, you chose to try to bully me into paying an erroneous disputed charge at the threat of having my cell ph # suspended. XXXX breached our agreements. 


XXXX XXXX XXXX XX/XX/2022
Product: Credit card or prepaid card

I noticed a card reporting negative on my credit from Capital One ending in XXXX. 
It says that I am an authorized user. This was never verified or asked if I want to be on this card or have it reported on my credit. I contacted Capital One and asked them to remove me from that card and take it off my credit. It dropped my scores. It's still reporting on my credit as terminated. It should not be on my credit at all. 
Please help me. I don't want this on my credit at all.
Product: Credit card or prepaid card

Ive had this account for a few months now. I make all my payments in full and on time. This bank insists on putting a hold on every single one of my payments that are over {$500.00} for over two weeks. Ive never had a return payment, or any reason to continuously put a hold on all of my payments. Every time I call, they say they cant release the hold. I have two other credit cards, one processes payments and gives me available credit the same day, the other one processes payments and available credit within 24-48 hours. This bank is punishing me without reason and impacting my ability to use this account. The whole purpose was to build history with this bank, have my credit line increased and start using this card as my primary. So far, this credit card is completely unreliable. The company cuts me off for no reason with no explanation.
Product: Credit reporting or other personal consumer reports

Sears/ Citi retaliated against me for a prior complaint and closed my Sears XXXX account. They based this closure on an unauthorized credit check, however I had not recently requested credit from them. Sear/ Citi is inaccurately reporting my account as delinquent to the credit bureaus when I have lawfully requested a discharge or mutual offset of the account balance. Sears/Citi is in dishonor and estopped from further collection and negative credit reporting for their default in refusing to provide a notice of dishonor from a qualified third party such as the XXXX XXXX  upon request. All of the prior notices such as acceptance for value, and exhibits/ affidavits clearly state the federal laws such as 18 USC 8 ( Obligation or other security of the United States ) and HJR 192 of 1933 ( Suspension of the gold standard ) that allow credit card balances to be discharged through the XXXX XXXX . Sears/Citi has not been able to refute this information/ laws. Instead Sears/Citi has kept the 1099A accounting document which I submitted to them and they have refused to discharge or mutual offset the account. Sears/Citi stated they could not accept the payment method which is a violation of UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge ( XXXX XXXX XXXXXXXX ) I am also requesting a copy of the forms XXXX XXXX XXXX XXXX XXXX XXXX which financial institutions such as Sears/Citi use to claim exemptions for account holders without the account holders knowledge. These documents should prove that the financial institution such as Sears/Citi is the XXXX debtor.

Therefore based on my various written requests via certified mail Sears/Citi should have applied to have my account balance discharged or mutually offset to XXXX through the XXXX XXXX  . As a result this Sears/Citi account is not delinquent and the balance should have already been set to zero as these requests have been made over XXXX XXXX ago. If Sears/Citi refuses to remove any late fee/ negative reporting they will be in violation of 15 USC 1666b. 15 USC 1666 ( b ) states ( 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.
Product: Money transfer, virtual currency, or money service

I ordered a XXXX from a XXXXXXXX XXXX  seller who prompted me to pay with cash app. I paid half of the price, so XXXX at the start, and half when shipped, so XXXX when shipped. The seller sent me an old tablet with a bulging battery ( to the point the screen was coming off ) instead, and blocked communication with me. I reported the seller on XXXX and cashapp and requested a refund, but both actions have not produced results.
Product: Mortgage

Mr Cooper took over for our loan servicing company in XX/XX/XXXX.Loan number XXXX.My monthly payment is XXXX per months.Now due to an error on their part they are raising the escrow required. 
They are using docs from XXXX to adjust the escrow.Instead of using docs from XXXX and XXXX. one of the docs been used in my homeowners policy which was higher in XXXX than XXXX and XXXX.I have tried to correct this with them but they refused. 
My loan is a conventional loan without any PMI osr any other requirements.Attached you will find my insurance bills from XXXX that shows premium to be {$2600.00} yr and my XXXX that shows {$2600.00} yr.I am also attaching my tax bills from XXXX and XXXX.where it shows that my taxes went up {$57.00} for XXXX which equates to {$4.00} more a month. I spoke to a rep from Mr.Cooper today XX/XX/XXXX and they couldn't explained to me why the increased on the escrow.In fact they were using docs from XXXX and wrong tax info. 
I am appalled that this outfit is allow to practice as a loan administrator/Apparently they do not know how to do math or they are just crooked. 
Please help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Please remove these unverified and incomplete items listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mail code XXXX, XXXX LA XXXX This was a lease for a XXXX  XXXX. Auto was involved in an accident, total collision. My Insurance company, XXXX XXXX, sent XXXX reimbursement check. XXXX stated there was a residual amount of {$1.00}, XXXX. I paid this amount accordingly, 2 years ago!!! Now, XXXX has erroneously reported it as a Charge OFF. I contacted XXXX, they have NO EVIDENCE or account information available. 

How are they allowed to report negatively on an account that has no evidence? 
This is impacting me negatively and financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States 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 Statesno consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of informationother than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C1681s-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, credit repair services, or other personal consumer reports

The company, XXXX XXXX has been very uncooperative with communication. I have emailed and called with out a response. I have paid my debt in full, and they refuse to update my account. My account became late due to technical issues on the app, of which I attempted contact with the company and the attempts were unsuccessful. I have proof that the account was paid, but it still is reported on my credit reports ( Experian, XXXX and XXXX ) as unpaid, charged off with inaccurate late payments. I have disputed with the credit agencies as well, and they have not been able to show proof that they have verified the debt.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act Credit Acceptance Corp., has violated my rights. 


15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any reason.
Product: Mortgage

The company, BancorpSouth of XXXX XXXX has reported late payments to credit bureaus as of XX/XX/XXXX, when I was approved for forbearance. This company also attempted foreclosure in XX/XX/XXXX after I followed their advice and process in applying for Loan Modification. I was required, after their instructions to pay attorneys fees, and the payments they advised me to miss after they immediately put home in foreclosure. All this after following their instructions. Later checked with legal company which I'd defunct and does not answer the phone. 
I also noticed after getting copies of my initial loan documents of XX/XX/XXXX, that there was never a loan made to me, not realizing at the time, I signed that it had been. Also the " lender '' which didnt lend, did not sign the documents, only my signature is present, without understanding, being rushed, after the home conveyed to me via Warranty Deed, and was paid for, I was given documents to then give my home to BancorpSouth XXXX and a Trustee that I didn't know and was not present. The documents made bank beneficiary and gave my home that I had paid for free and clear, and without understand or realizing no one gave me a check or any money exchange. In reading the copy of the loan documents, this year, I suddenly realized I had been defrauded, and had been duped into granting my home to a bank without receiving anything of monetary fiduciary value from them. I sent a certified Certified Written Request to the banks CEO this month, and received no response. In XXXX or XXXX sent XXXX to XXXX XXXX, and have not received the response she promised. There continue to be negative remarks from this bank on credit report, after their servicing agent said there was none. 
I request your assistance with the above mentioned concerns. 
Removal of negative remarks, General Accounting Practices ( XXXX ), real evidence of their lending me funds on the date of XX/XX/XXXX or date of the alleged loan, and why was I given instructions by them re the loan modification and then their procedures to foreclose. Also I ask for the itemized accounting for the nearly XXXX XXXX dollars I was required to pay to get out of foreclosure in XXXX. 
I feel there was deceitful practices due to my lack of knowledge and being a first time home buyer. I ask for the XXXX ( est ) proof of a loan from BancorpSouth, and explanation of why they did not sign any documents for which I was lead to believe they were a party to. I never intended to grant my home to BancorpSouth or to make them Beneficiary or a stranger Trustee, and myself liable for an amount of money I never received. 
I feel I was defrauded by all concerned. I never noticed gave permission or noticed that my name was suddenly changed on the documents. 
I want answers to ALL of these concerns. XXXX XXXX nor XXXX XXXX have not responded. XXXX XXXX has not satisfactorily resolved the issue.