23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Years ago I purchased a vacuum from a sales representative for the XXXX XXXX. We arranged a payment plan for me to pay off the vacuum and after making the final payment the representative returned with a new model and told me that he would exchange the older model for the new one and included a 2 year warranty. How ever I was told I would still need to make payments on the new model, so the representative gave me a new payment plan for the new model without subtracting the cost of the previous model I had already paid for. I continued making payments on the new model and after a few months the vacuum had stopped working. I contacted the representative who told me to contact another number who told me to contact another number and so on until eventually I was told to contact the company. After coming into contact with the company and explaining that I was still within warranty the company refused to replace my model or repair it. I told them that I enjoyed their product very much and that I 'd be more than happy to continue making payments, but that I would not resume making payments if they refused to honor my warranty. At that point the representative on the phone made vague threats about this damaging my credit score and/or having me arrested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 


XXXX XXXX XXXX, IN XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX Account # XXXX. This account was included in my bankruptsy case discharged on XXXX XXXX. This account was transferred or sold, however is showing on my credit report under a different account #, XXXX XXXX XXXX XXXX. Recently they added a balance owe as well.This is a form of terrorism to keep hurting my credit score. 

This is DUPLICATE account in my credit report that is causing double impact on my credit score. 

The personal information listed below requires attention as well. 

Inconsistence LAST DAY PAYMENT and LAST ACTIVITIES DAY are different on each credit berau, everything in my credit report have to be 100 % complete and accurate and those dates are inacurate.
Product: Mortgage

Our home suffered damage from a windstorm, and we filed an insurance claim. 

Our mortgage company is requiring us to pay out of pocket to make the repairs before they will endorse the check issued to both myself and the mortgage company by the insurance company. Some of the insurance claim has to do with destroyed personal property and not the actual house. 

They also have instructed us to endorse the check and then they will deposit it and issue us a check once they have inspected the house and make sure the repairs are complete. 

They claimed it was to protect their " investors ''. 

They have less than a 10 % stake in the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier in the year I was notified that my FICO score had dropped by 80 points. I investigated and TransUnion informed me that it was because of a collection issued. I opened a dispute because the collection was for an electricity bill in North Carolina and I dont live there, eventually I realized that it was for an investment property I own and the bill was for when the property was vacant. I paid the full amount after I called the collection agency and I told them that I was never notified. When I asked them what address they used to mail me they told me that instead of NH they had NC as the state I live in Do the bill never reached from neither XXXX XXXX or anyone. I opened a new dispute with transunion telling them that the amount should have never come for collection because I was never notified. after they completed the investigation on XX/XX/24 ( file number XXXX ) they did not make any correction as their investigation did not ask anything about the address and what I told them to look into. 

The bottom line is that my credit score has suffered tremendously for XXXX USD that I would have never had a problem to pay if I was aware of my debt, and neither the credit bureau, nor the collection agency or XXXX XXXX have been willing to help and make this right. 

I have never had a defaulted payment and I wont accept this situation hurt a great credit history. 

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

According to 15 USC 1681A and 15 USC 1692J Equifax has continued to violate these two federal laws. I have sent numerous debt validation and method of verification letters to the company asking how was the alleged debt was verified by the XXXX XXXX  who did the company speak with name and phone number. I have never verified the alleged debts below however, they continue to report the alleged debts with no proof from the companies who are not the original credit. According to the law The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
The alleged debts are from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have continued to be reported by Equifax violating my consumer rights by reporting these alleged debts creating a false belief in me by other creditors these must be removed immediately. 

15 USC 1692J ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, through what at this point appears to be gross negligence, was affected by a cyberattack that resulted in the theft of the personal information of 143 million names, social security numbers, addresses, and associated data. Equifax has been aware of the breech since XXXX XXXX, but only made this information public on XXXX XXXX. 

At this point, it looks likely that my information was affected, but there 's no way for me to determine this : the tools Equifax has provided are demonstrably non-functional. 

Despite presumably having complete address records for everyone affected ( they are one of the major credit reporting companies, after all ) they instead suggested that people who might be affected go to an insecure site where they are asked to provide even more personal information, with no guarantee that they can keep that secure either. 

The XXXX for their site uses a number of what are commonly referred to as " dark patterns '' which is barely acceptable on a site trying to get me to sign up for their newsletter, and absolutely unethical on a site that purports to be offering assistance to victims. 

Equifax is using the incident as a loss leader for a subscription to their premium TrustedID service. While offering some form of identity protection is common after a security breach, most negligent companies are n't so brazen as to attempt to directly profit off the victims who were just robbed. 

It 's also become apparent that their auto-generated PINs for credit freezes use an extremely insecure, bringing into question how secure the rest of their data is.
Product: Bank account or service

This is the email I sent to them. 

I Have a deposit on hold for XXXX dollars. I have not had a hold like this before and Have XXXX insure payments that I can not change because it is already in process. This is going to cause a problem for me. As such I have my payroll deposit coming thru on this Thursday and have a mortgage loan that will be pulled out that day that will be using some of this money. This is unacceptable and will be causing major problems. Its not like you have a ATM anywhere and i mean anywhere near me. The closet one would be in Georgia. You also can not cancel the deposit so I can go into my business bank account to get money out and then go to a store and get a money order and then find a ups store so I can deposit cash. because you already have that money tied up. Does this really sound convenient? I now have to try and scrounge up and hope XXXX that my insurance does not go thru and try to find some cash to go thru the task of putting some cash into my account. Come on guys/gals I have been a member for 15 years. There has got to be a better way really.
Product: Credit card

A Concora Destiny credit card was opened in my name without my consent. I attempted to contact the company and they requested information I was not willing to give them because I was not sure they were a legitimate institution. The automated teller on their phone line for their credit cards changes between asking for the last four digits and all nine digits of your social security number and upon requesting to be transferred to an agent the teller says that they are a debt collector. The entire thing seems very suspicious and I did not trust giving them my SSN. The account in my name that I did not open currently has a balance of {$170.00} and a credit limit of {$700.00}.
Product: Payday loan, title loan, or personal loan

I received a {$5000.00} loan on XX/XX/2022 after inputting my information online and speaking to someone on the phone a couple of days before. We never spoke about add on fees or interest. Ive paid about {$1400.00} up to today and realized Ive never seen how much interest was being added on each month. I scrolled through my transactions on their app and found out they already added their full interest amount to it. A total of {$3600.00}. I wouldnt have expected the interest to be that high but on top of that I have a principal amount of {$8900.00}. XXXX and a half times the loan amount seems ridiculous to me. Ive called once but no answer so I searched complaints on them from XXXX and seen they had a class action lawsuit against them in Pennsylvania for the same thing. So I decided to contact you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting, credit repair services, or other personal consumer reports

While applying for new credit, I was informed that M and T bank had reported me 60 days late for the month of XX/XX/XXXX. When I reached out to the M and T, an associate informed me that they did not report my account late but when I checked my credit report, it was shown as late for XX/XX/XXXXwhich is inaccurate. The associates informed me to dispute with the bureaus at which point they will respond. Knowing this can take up to 30 days and most cases require supporting documents, I escalated and requested something in writing. 

I was informed I would received a letter within three business days and when I called I was informed I was be receiving it shortly. This was not the case.
Product: Mortgage

On going disputes with BSI Financial Services ( prior complaint case # : XXXX ). 
BSI charged me {$1200.00} for flood insurance that I already have. They even state in their letter that they received confirmation of flood insurance. I also had the same issue with the prior mortgage server XXXX XXXX. My flood insurance expires XXXX XXXX of every year so why are these companies buying flood insurance prior to expiration? Since BSI took over my mortgage XXXX XXXX, 2016, I have constant issues with them. I called them numerous times lately and the answer I now receive is that they sold the mortgage and they can not resolve any past problems. Enclosed are are two years proof of continuous flood insurance. It is apparent that BSI is abusing their customers and are getting away with it.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, XXXX and XXXX XXXX XXXX XXXX  XXXX refused to remove fraudulent account form my credit report, after I sent them a copy of my Identity Theft Report, Police Report, ID, SSN and utility bill which I will include in this compliant. I am requesting that all companies listed send verified documents and the methods that was used to verify this fraudulent account per the information act and FCRA. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Bal : XXXX Date Opened : XX/XX/.
Product: Debt collection

I got a bill in the mail date XX/XX/XXXX from ncb services
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit and noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian via certified mail to inform them of SIX unauthorized inquires to the following that I demanded be deleted from my credit report : 1. XXXX XXXX XXXX inquiry date of XX/XX/18 ) 2. XXXX XXXX XXXX inquiry date of XX/XX/18 ) 3.  XXXX  ( inquiry date of XX/XX/18 ) 4. XXXX / XXXX ( inquiriy date XX/XX/18 ) 5. XXXX XXXX XXXXXXXX XXXX inquiry date of XX/XX/18 ) 6. XXXX XXXX XXXX XXXX XXXX ( inquiry date of XX/XX/18 ) There is NO proof I initiated such inquiries, NOR WRITTEN authorization and have failed to provide any permissible purpose. Therefore the inquiries in my credit report violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made 3 attempts to receive documentation pertaining to the investigation that XXXX   conducted as part of their practice to investigate and validate any collection reporting on my credit. XXXX has failed to provide me with documents such as a signed contract by me. 

Following below is what I have been demanding XXXX XXXXo provide me with and yet XXXX has failed to provide with with such proof. XXXX has only mailed me a copy of the results letting me to that the account has been " Verified as Accurate '' but no proof. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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. 


XXXX XXXX TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Checking or savings account

Capital 1 is discriminating against a XXXX person in California. I am a protected class of citizen under California Law, thus have discrimination charged to file against D, as Capital one is refusing me to access my online accounts to my primary checking account and 4 credit card accounts leading to damages, as can not access as capital one is primarily a online bank.

I provided documentation of my XXXX XXXX XXXX XXXX, XXXX XXXX is one and the same as XXXX XXXX XXXX in a court order XXXX XXXX filed in 2018 in California, yet capital one is defrauding me insofar as I do not have access to my accounts online, leading to harm, thus I have damages for a tort case.

As I was a XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I know credit card fraud. They allege I am committing credit card fraud or the like and preventing access when I gave them suitable information, thus liable for defamation, discrimination and other torts thus I have civil remedies by filing a civil unlimited court action in XXXX XXXX, Municipal court. 

As I was an expert XXXX XXXX in the courts, will be able to act as my own attorney and articulate my damages to a jury. 

Also, I need to official service of process in California as Capital One is doing business in Ca and they have to have a proper custodian of records on file with the California Secretary of state for proper service of process. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Prosper has engaged in repeated harassing calls in spite of both being informed verbally on XX/XX/XXXX that it was considered harassment and to stop calling, and with written notice, which they acknowledged receipt of, via email. Their behavior is exactly why the Debt Collection Rule, effective XX/XX/XXXX was put into place and they were informed of such fact on XX/XX/XXXX. 

My current phone log only goes back to XX/XX/XXXX, but shows a total of 110 violations of the following rules : " The debt collector is presumed to violate the law if they place a telephone call to you about a particular debt More than seven times within a seven-day period, or Within seven days after engaging in a telephone conversation with you about the particular debt. '' Prosper averages 4 calls PER DAY, with few exceptions. The call log and counted rule violations are in the attached spreadsheet, along with screenshots from my call log which show 383 calls being placed over the aforementioned timeframe. 

Prosper was directly informed via email to cease phone communications and have someone from their settlements department contact me via email, directly, on XX/XX/XXXX and receipt was acknowledged by Prosper on XX/XX/XXXX. Prosper has no interest in solving this matter, but instead opts to engage in a flurry of debilitating and harassing calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items below do not belong to me or anyone i know. I have tried to fix this myself and have gotten no where. this is keeping me from buying a home XXXX XXXX XXXX Opened XX/XX/XXXX {$140.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$66.00} Original creditor : XXXX XXXX XXXX XXXX  Source XXXX XXXX Opened XX/XX/XXXX {$640.00} Original creditor : XXXX XXXX