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

XX/XX/XXXX, our vehicle was deferred for 2 months due to the covid pandemic and catching up on bills. We never received any 1. Paper bills. 2. Actual, live person calls ( they only used to send automated ), 3. Any email correspondence. Which is where my husband gets his bills. Nothing. They sent it to collections when a month wasnt paid. But when he logged into his account with the loan, it even showed his account in the " green '' meaning, he was all caught up, due to the deferral. No one tried to contact him or me. Apparently, due to his pay, he'd originally set up weekly payments to equal the total each month. ( He gets paid weekly ), EVEN THOUGH, once they sent this to collections, they finally tell us " oh we don't do weekly payments. Because the amount they set him up for, he was a bit short for the month. '' But it was THEIR REPRESENTATIVE who came up with the amount, approved it, and his loan was in covid-19 deferral. They also had incorrect phone numbers in their system ; and our old address from 6 months prior. Though, my husband had called to update. XXXX  supervisor XXXX, said they'd take care of it, and if we dispute it. It should come off. It didnt. They STILL refused to drop it though our account is paid up, and it was in deferral, no bills or late notices were sent to any contacts, and our contact info was wrong.
Product: Debt collection

Hi In the mail I received a letter called an Additional Notice to sue from credit Corp solutions in regards to synchrony bank When I went to check they filed this motion with civil court and I had no idea as to why this was done w no notice I have never heard of credit Corp solutions and have never been contacted by them. Also the XXXX XXXX credit card debt is 3 years in XXXX as the last XXXX account was charged off as I had not had the account since 2019 and I did speak to the original creditor Im letting credit Corp and XXXX know the following according to FCRA and FDCPA laws, I am not obligated to pay the collection agency or any 3rd party collectors. Under no circumstances does the collector other than the ORIGINAL CREDITOR have the rights to collect or furnish info to any of the credit bureaus. Also if the debt was written off by XXXX  and my file was sold to a 3rd party collector, then legally credit corp solutions has now paid the debt on my behalf. I did not enter into agreement with the credit Corp solutions to pay the debt off, I didn't agree to pay them at all for paying the debt, and I also did not give the XXXX bank the rights to sell my information to a debt collector or 3rd party collection agency. if the debt belongs to me then please validate
Product: Debt collection

Repetitious phone calls from a supposed law office the Law Offices of Maury Cobb 's calls are received from a XXXX XXXX at XXXX XXXX with intent to annoy me, she spoke in a abusive demanding tone when speaking with me, and when I requested no further contact, after our conversation I was left feeling threatened XXXX XXXX XXXX, she would not provide a first name or an employee identification number for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Consumer Loan

I do not have a loan with United Auto Credit, however, Employee of United Auto Credit utilized company systems to skip trace and gather private/sensitive information on me and family member for personal harassment. UAC did not notify me that my information had been searched, once they completed their investigation, I was not notified of what information had been accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to about XX/XX/XXXX, I was a victim of identity theft where an unknown person was using my name and personal information to open multiple bank accounts XXXX XXXX  XXXX XXXX and XXXX ), as well as lease an apartments ( XXXX XXXX XXXX ) with my identity. The total amount was {$5700.00} dollars. I have alerted banks creditors and leasing agents to try and help resolve this issue. To my knowledge the thief opened up a bank accounts in XXXX XXXX and leased apartments in XXXX XXXX Nevada.
Product: Credit reporting, credit repair services, or other personal consumer reports

o not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - I HAVE NO ACCOUNTS FOR THESE INQUIRIES AND WOULD NOT CONSTANTLY RUN MY CREDIT, WHICH WOULD RESULT IN A BAD SCORE I AM ALSO UNABLE TO ACCESS MY EQUIFAX ACCOUNT AND XXXX, THEY HAVE MADE IT IMPOSSIBLE TO LOG IN Credit Inquiries Credit Inquiries - Summary Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I noticed that on my credit report there is derogatory information from this collection agency, Ad Astra about me. Their file # XXXX and are trying to collect funds from me. At first, I set up a payment arrangement and started paying. Then it occurred to me that I never had validation from them that I even owed the debt. Therefore, I sent a certified letter directly to them requesting verification and they sent me some forged documents that I will attach here. First of all, I never took out a {$990.00} loan from Speedy Cash which they are claiming without valid proof. I want this collection/charge off deleted from all 3 credit reporting agencies ASAP. Im a mortgage loan officer professional and I need to keep my credit and financial records clean. Also, I did send information to all 3 bureaus to remove/delete but to no avail. I have the written letters that were sent certified too that I will include here. Please resolve this dilemma for me. Much appreciated.
Product: Mortgage

I did not renew my home equity line of credit with Popular Community Bank. I have had a {$100000.00} line of credit with them for many years with a zero balance. I informed them in writing 3 times and by phone once that I do not want to renew the line of credit. They continue to bill me {$78.00} for a service I do n't want. They have not responded to any of my written communications with them.
Product: Credit card or prepaid card

Purchased XXXX SERVE American express pre paid cards on the XXXX XXXX in the amount of XXXX per card, I presume to add XXXX on each card, I did a payment transfer XXXX off of each card on the XXXX XXXX to in amount of XXXX to my transfer but to my surprise XXXX was deducted off of each card, I call my payment transfer company and they only got the XXXX ( XXXX from each card ) so here I am because XXXX not getting a human to speak to when I call the SERVE company. I want answers please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the XXXX XXXX and TransUnion consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance reported 24 consecutive 120 day late payments. They have destroyed my credit by all the late payments even though the contract is over. I have sent dispute letters without ever getting a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 account # 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 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 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

I am submitting this complaint about equifax credit reporting company. There is an account XXXX XXXX XXXX that is still reporting on my credit report. This account was verified to be deleted off my reports. I keep receiving that the furnisher of this account has verified that it is mine. This account had fraudulent activity done on it a few years ago. This account does not belong reporting on my credit report
Product: Debt collection

I was first contacted on XX/XX/2023 by an unknown number. The caller did not identify where she was calling from, but explained that there may be a complaint that I may be affiliated with and to contact another number. This person did not state she was calling regarding a debt collection, no notice of recorded calls was given, and the representative provided ME with my year of birth and last XXXX of my SS number. She did not ask me to provide this information ; she reported it to me. She called from XXXX ( XXXX ) XXXX, which upon attempting to call the number back, duals to a rapid busy signal. 

I called the number she gave me, which she stated was for XXXX, but would not provide me the description of what the letters stood for and gave me a reference number. I called the number she provided : ( XXXX ) XXXX. There was no business name provided as the call picked up. I gave the representative the reference number I was provided and asked what this was regarding. She refused to tell me until I confirmed my personal information, which I never did. She then, proceeded to state my name, birth date, and FULL SS number without asking me any questions for me to verify my identity first. I did not respond to the personal information she provided me, she briefly put me on hold, then came back on the line and proceeded to tell me the call was in regard to a debt that was closed and is XXXX years old. She then threatened to file litigation, garnish my wages, etc. She provided me an amount that I can not verify due to the debts age and the account being closed out many years ago. I do not know if any of this is legitimate, but I am confident it is not legal. 

I am extremely concerned that this company, XXXX, XXXXXXXX XXXX XXXXXXXX, is accepting incoming calls, without recorded lines, without initial dent collection notification, and then providing the caller with federally protected identification information, including, but not limited to stating someones full SS number and then proceeding to threaten them. This firm needs to be investigated and I must now monitor my identity more closely to watch for identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Axos Bank account # XXXX, 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 a account without my written instruction.

15 USC 1666B : 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: Mortgage

My property was foreclosed on XXXX XXXX, XXXX. The status REDISPOSED back to the lender. The Judge said I am no longer responsible for the mortgage anymore. I am free from the debt! Now I have Real Time Resolutions trying to collect the mortgage debt from me after several years later. I explained to them that I was foreclosed and release from any debt from the mortgage. I do not own the property anymore and it went back to the lender. Experian would not delete account because the account has to be closed. I contacted XXXX and asked them on XXXX of XXXX the account is over 7 years old and needs to be deleted which I do not own this mortgage! XXXX the customer service rep said the Real Time Resolution is going to a positive status between XXXX XXXX to XXXX XXXX. Again I explained to him that it was giving back to the lender and why would I pay for something I do n't have. XXXX said it will stay positive in good standing section. Again I do n't own it and I ca n't buy anything with this showing a balance of XXXX which I do n't own. XXXX said they can not Re-Aging of the account, because its illegal. It will stay on your credit showing nothing. For it to completely come off the credit report Real Time Resolution have to closed the account. Its been over 7 years now and I like to purchase a house but I ca n't. Please help me with this situation ... thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Transunion dropped my credit score down XXXX points eith reason accaunt removed from XXXX XXXX XXXX, in fact I did not closed any account for last 12 months. Also I did not open an account last 12 months. I called XXXX  XXXX XXXX and tgey conferm me they did not report anything negativ about me. Also they said ; you are XXXX  costumer at XXXX 
Please investigatey case becaise i had same problem and last month. 

Thank you in advance!
Product: Credit card or prepaid card

I initiated a consumer credit transaction at the end of XXXX to obtain a credit line increase. On XX/XX/XXXX, I received an adverse action letter from Capital One, discriminating against me. I have attached my response letter as well as supporting documentation regarding this complaint.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX someone attempted and successfully opened a checking account at XXXX XXXX XXXX XXXX ( XXXX ) in my name. I received a statement to my home address stating I owed money for opening this account. On XX/XX/XXXX I received a call from XXXX at the XXXX branch stating that they had flagged this account as fraudulent but I would have to visit a local branch to make a statement and close the account. On XX/XX/XXXX I made contact with the XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, and was told that they could not close the account without a police report or notification to the government, therefore I am making a report so they can close the account as well as rescnd the hard hit on my credit report.
Product: Credit reporting

I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all three agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on XXXX, transunion,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XXXX XXXX, 2013 and they have verification wrong so i can not check on status. XXXXXXXXXXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on?
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached documents include evidence of federal violations included in my consumer report.
Product: Money transfer, virtual currency, or money service

A friend 's XXXX account was hacked where he was selling some personal items. He requested people to Venmo him a downpayment on items. The Venmo account was not the XXXX owner 's. It was a fraudster. We sent the money via Venmo and quickly discovered the fraud. We reported it to Venmo. They did absolutely nothing. If they are providing payment services they should be subject to consumer protection laws. At a minimum, they should have a clear process for disputing charges or reporting fraud. Instead, they are aiding and abetting a criminal. Now they are KNOWINGLY aiding and abetting a criminal.