23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Monterey Financial Collections in California working on behalf of XXXX XXXX XXXX a Timeshare company in XXXX. We were coerced into buying a timeshare in which we were held all day and the only way to leave was to sign a contract. When trying to get out of the contract we were told that this had to be done within 3 days ; however, we didn't get the documents until 7 days later. 
So, we stopped paying! Now, they turned over to collection company in the US. Each month they continue to add ridiculous amount of interest.
Product: Credit reporting or other personal consumer reports

I never had a contract with this debt collector for any debt. I have asked several times for them to provide me with the assignment contract and purchase agreement that ties me to this debt. I also requested the cancellation of debt. Furthermore, these accounts are reporting as " OPEN '' accounts and they are in collections. Again that is inaccurate reporting. 15 U.S.C. code 1681s-2 clearly states that furnishers must not provide inaccurate information to consumer reporting agencies. 15 U.S.C. 1681e clearly states the credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. I have conducted reinvestigation after reinvestigation regarding these accounts and have received anything that I have requested. The next steps will be pursuing legal remedies. 

Account numbers- XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXX/XX/XXXXContents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result or identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a AUTO LOAN opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. My principal do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on principal consumer credit report maintained by you were not operating in good faith, was not made, or governed by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a complaint regarding Experian, XXXX, and XXXX, all in which I stated : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I also stated to delete those accounts off my credit report.
Product: Money transfer, virtual currency, or money service

I opened an account with Binance US  under my name and wired funds as instructed by Binance US web site on XX/XX/2021 in the amount of {$12000.00} the wire was from my XXXX XXXX account transaction ID XXXX XXXX gave me confirmation the wired went through, to date no money has been deposited in my account and After 5 different e-mails as instructed for help from Binanace US I have received no help or direction.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section XXXX of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA XXXX ( XXXX U.S.C. XXXX XXXX ) which states that these accounts must be removed within XXXX business days of receipt. XXXXXXXX XXXX XXXX XXXXXXXX XXXX  violated my consumer reports on XX/XX/year> without a permissible purpose as per XXXX U.S.C. XXXX ( XXXX ) or knowingly without a legitimate business reason pursuant XXXX XXXX. XXXX b ( a ) XXXX ( f )
Product: Debt collection

Ref # : DEBT RECOVERY SOLUTIONS has report this account account as open XXXX XXXX, XXXX Open Account # XXXX {$240.00} Balance XXXX Original Creditor {$240.00} High Balance XXXX XXXX, XXXX Opened Date - XXXX XXXX, XXXX Last Reported I would like to dispute the item noted above on my credit report I have made every attempt to obtain information related to this item reflected above that is being reported on my credit report under the name Debt Recovery Solutions. Between the original creditor and the agency noted in this dispute the original creditor provided me with XXXX other companies that they assigned their debt collections too and still no one has any knowledge of this debt. 
As a result, I have not been able to verify the following : 1. Original date of service, account number & place of service/provider 2. The original creditor does not have the account number, nor information as to who the debt is owed to yet they have assigned it to a party to be collected. 
3. I 've contacted " Debt Recovery Solutions '', 4 times via phone regarding this matter over a 60 day span and was told by the call center rep. that a request to have the item remove would be forwarded to the manger. 

As of XXXX XXXX, XXXX, upon reviewing my credit report I notice that Debt Recovery Solutions recently update my credit report on XXXX XXXX as an outstanding collection item reflecting {$240.00}. I then decided to email them so that I could have a form of communication that could be documented. It 's not doubt that the item referenced above is no longer with them yet they still continue to report this debt after I 've brought this to their attention months ago. 
I 've attached a copy of the email chain. It was only after I call and told them that I would be making this compliant that they respond stating that they would take care of it. 
I am still filing this compliant because they knowing continued to report false information. This account has not been with them since XXXX, XXXX and the reason. I know is because I 've been asking them for details in order to resolve the matter yet they would not respond.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022, XXXX XXXX XXXX  had closed my joint checking account and sent a notice to the credit bureaus naming it as a " Charge Off ''. It has been two years since this occurred and I have not received a 1099-C for a Cancellation of Debt for this item. I was not notified about the status of this account. This has put a major ding on my credit report and I wish to have it taken off.
Product: Bank account or service

I opened a XXXX account and when I tried to use it I discovered it was closed! 
The culprit : Early Warning Systems ( EWS ), the banking industry 's own credit reporting agency. I requested and receive " my '' credit report from them and discovered not only XXXX or XXXX bogus accounts BUT there is no way to contact these banks on these accounts directly. FISHY? Of course! All of these were posted under my social but are all/almost all belonging to XXXX different people. The only way to clear my erroneous record is to submit to EWS a detailed letter on each of the individual accounts. 
XXXX all provide the creditors contact info. EWS refuses to reveal these details. Surely this is to protect their own fraudulent practices. My bank record is CLEAN yet I will never have a XXXX account.
Product: Checking or savings account

Hello, I went in person to my bank, Fifth Third bank in XXXXXXXX XXXX XXXX XXXX to deposit a large check written by my lawyer, XXXX XXXX with XXXX XXXX XXXX, from winning an insurance settlement from being hit in a XXXX XXXX Fifth Third bank rep, XXXX, instructed me to go across XXXX XXXX to the issuing bank, XXXX XXXX XXXX XXXXXXXX, and was instructed by fifth third bank to get a cashier check to deposit instead. I was instructed to do this by my bank to eliminate the possibility of a long hold on the check, because i have a scheduled XXXX I have to pay for. I spoke with my bank on XX/XX/XXXX for an hour and was told i would have funds available on XX/XX/XXXX. On XX/XX/XXXX i did not have access to funds and I was locked out of my bank account. I spoke to the fraud protection dept with fifth third bank on XX/XX/XXXX and a XXXX XXXX, XXXX XXXX asked me to email documentation of the funds to XXXX XXXX the branch and informed me that her boss would be calling me in the hour. I never received a call back. On XX/XX/XXXX, I called my bank fifth third again and was connected to the fraud protection department again, and was asked to send the bank slip from the cashier check from XXXX XXXX XXXXXXXX, and was told i'd receive a call back. It is now midway through the day and I still haven't received a call back from my bank. they have no communication noted from my contact with the analysts on XX/XX/XXXX and all i am being told is that they can't verify the check. It is a verified, certified, triple checked XXXX XXXX the bank instructed me to get.. I have XXXX information from my bank why im locked out or why there is a hold. It has now been XXXX  days with no answer, and XXXX access to my account or funds. I have banked with my bank for decades ... and currently i'm not being serviced or have received any answers. It seems there is lack of communication between XXXX banks, and as the client/customer, I am having to go above and beyond to hold my bank accountable to focus on my account and do their job. I was asked by my bank today to check back on friday ( after XXXX business days ) I let my bank know i can not wait any longer and need answers now. I was supposed to pay my doctor last thurday to hold my XXXX date on XXXX, and after my bank said id have access to fund on the XX/XX/XXXX my doctor agreed to wait... now its almost the XXXX of XXXX and still no answers or a call back from fifth third. I believe information I have supplied and given is well outside of hippa regulations and outside of regulations set by any financial institutes. XXXX provided included an itemized copy from my XXXX XXXX XXXX XXXX and how total amount of settlement is distributed etc. I am in need financially of these funds warrant to me and have had the most difficult time with my bank when it comes to verifying funds. How can a bank operate in such a manner...
Product: Payday loan, title loan, or personal loan

I updated my bank account to XXXX XXXX XXXXXXXX checking account, I updated the account with them and let them know I no longer got XXXX  and they send the money to the wrong account I asked them to stop the transfer I spoke to the service representative and they say nothing cant be done. So I am upset that they refused to stop the transfer and even after telling them that I now bank with XXXX  XXXX they send the money to the wrong account.
Product: Vehicle loan or lease

Vehicle was a total loss on XX/XX/XXXX. My car insurance paid there portion. Leaving a balance of of {$7200.00} on XX/XX/XXXX GAP insurance paid {$2300.00} on XX/XX/XXXX. Leaving me with a balance of XXXX. Received a letter from Santander date XX/XX/XXXX stating that my payments were to be {$440.00} until balance was paid. I started calling them right away letting them know that I could not afford that. Unfortunately because of the total loss I had to get another car loan i could afford to pay $ XXXX {$150.00} a month and to please modify my loan. I have called them 6 times on this issue to help me resolve this issue to no avail. 
Now on Thursday XX/XX/XXXX I called again just to be told no again and atop of it the money that the GAP insurance paid was reversed on XX/XX/XXXX. Got in touch with the GAP insurance and was told that were not going to pay now leaving me with a balance of {$7200.00} at interest rate of over 22 %. " PLEASE '' any help you can provide is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account open from XXXX XXXX XXXX. ORIGINAL CREDITORXXXX XXXX XXXX XXXX ( opened : XXXX XXXX XXXX  ), open balance {$100.00}. Previously, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & both Equifax has my wrong birth date. Equifax has XX/XX/XXXX when my real birthdate is XX/XX/XXXX. I have certified mail both equifax & XXXX on XX/XX/XXXX a copy of my id, social. I have asked them both multiple times to update my birthdate. XXXX just have my birthdate at XXXX when thats not a full birth date it should be XX/XX/XXXX in the right birth date format. I have disputing these things over the phone, online through their dispute system & also mail. And my information is still wrong & not updated to the right birth date please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer.
Product: Debt collection

VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor?

PURSUANT TO THE EDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED.

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.

debt Please do olak at hy didi te shoot rest atyhing ereceporti you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute XXXX XXXX ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting or other personal consumer reports

Based on the records within the CFPB portal and dispute letters with Transunion, I've been disputing several negative items on credit report that are not mine. I've produced Fraud Reports, XXXX Data Breach documents, and several other supporting documentations proving the account ( s ) are not mine. Still till this day, TransUnion refuses to remove the negative items on my credit report stating on my credit report that the items have been " Updated and Verified ''. If expressed to Transunion that I do not agree with their investigation results and will like to see the details on how they investigated each account disputed. I have not heard back from TransUnion since XXXX which has been well over 30 days. 

In addition, the negative items on my report have denied me of credit and denied me of proper housing which has affected my living arrangements to lead me to being homeless. I'm reaching out to the CFPB and several federal agencies for JUSTICE. 

The negative accounts on my report that need to be deleted are : XXXX XXXX  ( XXXX ) {$480.00} XXXX  XXXX ( XXXX ) {$430.00} XXXX  XXXX ( XXXX ) {$800.00} XXXX ( XXXX ) {$110.00} XXXX XXXX ( XXXX ) {$1800.00} XXXX XXXX XXXX  XXXX XXXX ) {$430.00}
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX  who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Pennymac Loan Services located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Pennymac Loan Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan servicer XXXX is practicing deceptive practices to me as a borrower. I show seven late payments marked ninety days late back in XX/XX/2017. At that time i applied for a forbearance even have proof of that my loans were in fact in forbearance. Its not fair to me as a consumer that my credit report doesn't reflect the forbearance anywhere. By law the proof i have is a legal document from XXXX and should be honored as one. This has in-turn ruined my financial history and has caused me hardship severely from all entities included in. This could be so simple as to update my credit report showing all forbearance 's accurately and immediately. This is an unfair practice because i have used my forbearance time that i was entitled to and also charged interest for and still my credit reports do not match my forbearance history.
Product: Credit card

I believe that Capital 1 is being deceptive in its credit limit calculations. Yesterday XX/XX/2024 I had two pending charges one from XXXX for XXXX from a rental car and {$250.00} from XXXX where there was {$200.00} deposit. My available balance was {$250.00} but the {$200.00} that did not get posted was not updated properly or reflective in my available balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX. Pro Collect added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I'm no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this is mine. According to FCRA, Pro Collect has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have a credit card with us bank and never did
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX collection agencies have been reporting inaccurate information to XXXX, Equifax, and XXXX. These are not my accounts. Yet the Credit Bureaus continue to report the negative information, even though I have done due diligence under the FCRA to prove these accounts are NOT mine. 

I attempted to secure a debt validation via certified mail from each collection agency on XX/XX/2020. All four collection agencies failed to provide debt validation. Furthermore, all four agencies are in violation of the FCRA, as they must provide debt validation within 30 days of my request ( 45 days during this pandemic ). It is over 60 days since the collection agencies signed for my request for debt validation, and they NONE of them have provided the debt validation. 

I contacted each credit bureau - XXXX, Equifax, and XXXX  - and explained the situation. Each bureau refused to remove the falFour collection agencies are showing up on my report. These four agencies are repse reporting from my report. 

On XX/XX/2020 I sent a certified letter to each collection agency once again, and each credit reporting agency, indicating that they were all in violation of the FCRA - reporting false information. I sent all agencies sworn and witnessed affidavits ( Justice of the Peace - see attachments ). All entities, including the Credit Agencies, have signed for the affidavit. 

I am a XXXX XXXX XXXX in XXXX Louisiana. I employee XXXX people. Due to the pandemic, I applied for a SBA EIDL disaster loan to save my business, and my employees jobs. I was denied the SBA loan, due to the false reporting of the collection agencies, and the refusal to remove inaccurate information on the part of the Credit Reporting Agencies. 

I have spoken to the Credit Reporting Agencies via telephone as well. These agencies found inaccurate information on my report, such as addresses, phone numbers, social security numbers, employers, middle intial differences, birthdate difference, etc. The Credit Bureaus agreed with me over the telephone that my file had " merged '' with another person of similar name, or that there was perhaps identity fraud involved, where I was the victim. XXXX  even removed certain items while I was on the phone with their representative. But none would agree to remove the false collection agencies reporting.