23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX is the company XXXX is the debt. I have sent multiple letters with return receipt to get proof of debt and they have failed to provide it. They also threatened to sue me so I started making payments not knowing if this debt is mine. They will not take this off my credit. I challenge whether I owe this debt. I got student loans and that should have paid the amount. I am challenging this debt as I do not believe I owe this company any money. They Ave failed to provide proof
Product: Debt collection

I have been working on my credit for the last year or more to get my score higher, I monitor my credit and my mail daily. This company Commonwealth just posted a collection to my report without sending me a 30 day notice letter to either dispute the claim or settle it. I have not spoken with them nor have they sent me anything in the mail at all. Had I had been given this opportunity I would have taken care of this one way or the other before the collection ever hit my report.
Product: Student loan

Twice I have made arrangements with Navient to pay $XXXX XXXXo delay my payments and twice they have not taken the prearranged payment and placed it on my credit report. They state that for what ever reason it was not withdrawn from my bank but there were funds available each time in my account. When I seek alternatives to lower my payments or consolidate my loan they tell there is no options. I try to refinance the loans with another company but cannot because the loan is not  current. I feel that the company purposely traps lenders into pay extremely high rates with them and prevents me from seeking other options that are more affordable for me to repay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian 's response this morning to my CFPB complaint is a LIE. It said that I most recently contacted them on XX/XX/2020 which is FALSE. I've attached tracking from USPS proving it was received XX/XX/2020. They have yet to respond in a 30 day window and have to remove all items that were not verified within 30 days. I've also attached a copy of the dispute that they received on XX/XX/XXXX.
Product: Mortgage

XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX ( 5 days ago ) to XXXX Hello, I am trying to figure out where to start. 

Our house was devastated by Hurricane IAN. We finally get the check from the flood insurance carrier. 
We endorsed and two day aired it to your home office. 
Our line of thinking was we will get the check faster since we have already sent the required paperwork in once by two day air, and on 4 separate occasions via email. 

So we wait since no one reached out through email or phone. We called customer service. 

The rep told us what they needed ( there were 2 documents that were not signed in the right place, had they told us this 3 months ago we could have sent it. ) We finally get an email stating this : Dear XXXX XXXX : We have received your insurance claim information and have begun to process your file. However, we are missing the following information and are unable to proceed until we receive the item ( s ) checked below. Please provide the missing item ( s ) as soon as possible to allow us to continue processing your claim and disburse funds to allow work to begin. 
Adjustor 's report issued from your insurance company. 
XXXX - Signed and accepted contractor 's proposal.

Inspection.

Waiver of Lien.

IRS Form W-9 ( when using a third party to complete repairs ).

Endorsement on claim check. XXXX - This is a monitored claim so we need a copy of your contractor 's proposal that has been signed and dated by you before we can release your initial draw ( minus the check you received already ) We called and spoke with a rep, he did not give his name and I would like the call pulled for the FDIC complaint that I submitted. 
He said all yeah here it is, it was in the wrong file. He once again assured us that he was sent over to processing. 
We waited another two weeks and we called again, the first rep did nothing... nothing. 

The second rep apologizes and states that we still need the signed construction contract. I explained to her that it has been sent at least four times. She said it's blank. I said no scroll down to the other attachments she's like oh I found it. I asked for a supervisor and she stated that it does not work that way but one would call me back in 24 hours, that was 48 hours ago and I am still waiting. 

Then we are told 10 days to process 5 days to mail it, but she advised me that since it was your company 's error she would have it expedited. I bet you that promise never came to fruition. 

We have been without A/C since the hurricane because we are waiting on this money. We need at least {$50000.00} to pay the contractors they are ready to pull out of the deal and then we are stuck waiting on another contractor for another five months. 

These are real peoples lives you are playing with just because of either laziness, incompetence or indifference all are inexcusable. 

XXXX XXXX XXXX XXXX XXXX Sent from my XXXX XXXX
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. 

Account name : # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Reported on XXXX ) Account name : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( Reported on Experian ) Account name : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( Reported on XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX ( Reported on XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account # XXXX ( Reported on Experian ) Account name : XXXX XXXX XXXX XXXX  Account # XXXX ( Reported on 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: Money transfer, virtual currency, or money service

I deposited my XXXX XXXX Check of XXXX $ to my Bank of america account. 
The money was debited very next day from my XXXX account and they confirmed there is no issue on their part and check has processed. 
But, BOA put a hold on the fund for 7 business days ( 9 days in total )! So, basically my own money is not available for access anywhere! 
My BOA checking account is actively used since last 13 years and is in very good standing. I was not give any reason why check is on hold for so many days when money has been already debited from the originating account. Is BOA earning interest on my money elsewhere while restricting my fund completely? ( XXXX dollar available after 4 days of deposit ). This should be completely ILLEGAL and banks are getting free pass for indulging in such UNETHICAL practices! 
That money was supposed to go for my mortgage principal payment and 9 days of delay means, I will be overpaying XXXX $ of interest. Is BOA going to pay me for holding the fund without giving any reason?
Product: Credit reporting or other personal consumer reports

i have already disputed these items but the bureaus did not remove them, nor prove validation. 

In accordance with Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my right. 

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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Hyundai motor finance is scamming me. We were involved in a motor vehicle accident on XX/XX/year> that rendered the vehicle a total loss. Hyundai submitted a letter of guarantee ( attached to this case ) requesting about {$17000.00} for the vehicle to be considered paid off. My insurance company issued the check to Hyundai and the check was cashed just a few days after receipt. XXXX weeks later Hyundai called me stating they made a mistake and want me to pay and additional {$13000.00} out of pocket, claiming they made an error on their calculations, the representative on the phone agreed that this was in fact a Hyundai error and they will try to resolve it for me, Im unsure of what unfolded after the fact. I waited for a little over a month after the conversation with Hyundai assuming they resolved the issue, however I was wrong, instead of calling me back Hyundai took the easy way out and mailed me a letter letting me know that I owe them this balance. This is completely wrong in the part of Hyundai, Im being held liable for something they created. When I XXXX  purchased the vehicle ; Hyundai received around $ XXXX from me as a down payment for the car and they are being greedy now. This is affecting my livelihood by a lot, Im a public servant living at my mean, I can not afford this error like Hyundai can. Please rectify this issue. Ive been fed lies by both parties and Im honestly unsure who to trust at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Bldg XXXX XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within XXXX 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


Accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i contacted credit management after noticing they were on my credit report. they couldn't verify debt and transferred me to a supervisor whom then emailed me the attached letterhead document saying they will delete account over 60 days ago. account is still active on my report. I have called and questioned them about the practice of saying one thing and doing another with no response and rudely trying to act like I don't have a document stating my claim. I have no knowledge of this debt and just like they agreed upon i would like this removed from my credit asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX XXXX on XX/XX/XXXX for an opinion on a teeth cleaning service. Unbeknownst to me, a revolving credit line of {$1500.00} was added to my credit report which is now seriously negatively affecting my credit. On my credit report as of today XX/XX/XXXX, it shows it is a credit card which is false. The account manager at XXXX opened the account without my permission in anticipation that I would agree to have the dental procedure completed. I have premium insurance as I am a XXXX. I was under the impression the services were covered with my insurance ; however, recently I ordered my credit report only to realize I have a revolving trade-line of credit from XXXX XXXX. I contacted Experian online and through the telephone to submit a dispute ; unfortunately, to no avail.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I wired {$1000.00} to XXXX XXXX via Citibank intermediary. Citibank confirmed that the funds were credited into a Citibank bank account, specifically to the following account XXXX XXXX : " OUR REFERENCE XXXX WITH XXXX XXXX XXXXXXXX HAVE BEEN CREDITED TO BENEFICIARY XXXX XXXX FOR XXXXWE NOW CLOSE OUR FILES '' Notice the account where Citibank credited the funds ( XXXX XXXX ) is not the same one as I inputted in the wire transfer : XXXX XXXX XXXX XXXX XXXX for further credit to XXXX XXXX XXXX XXXX 

My bank ( XXXXXXXX XXXX ) and I have attempted repeatedly over the past several months to recall this transaction. CitiBank refuses to respond to or speak with me, a representative from XXXX XXXX, or a representative from XXXXXXXX XXXX XXXX XXXX. They stole my funds by sending it to a completely unrelated account and refuse to recall and return my funds.
Product: Debt collection

I got a summons from Calvary SPV, LLC trying to sue me for a debt that is not theirs, I never had business with them, and I am not sure on where they found my info. The last time i got a piece of mail from them I had requested proof from them to show me that they were legally the new owner of the debt as required by CFPB, but no paperwork was never sent. I had a card with XXXX that defaulted when I lost my job back in XXXX and somehow Calvary Portfolio is suing for that debt that is being reported as charged-off on my credit report. I contacted XXXX and was told that the account is charged-off and was counted as a lost on their part. Please advise on what to do. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I contact XXXX XXXX XXXX informing them that the 30 Day Late mortgage payment XX/XX/2023 reported on my credit is incorrect. The agent acknowledged that the reason for the late payment was because the missed a digit in my bank account number. I requested that they conduct a reasonable investigation into the accuracy of the disputed information and provide me a feedback which I'm yet to receive. 

On XX/XX/2023, I wrote XXXX XXXX XXXX  ( certified letter ) formally disputing the accuracy of 30 Day Late mortgage payment dated XX/XX/2023 reported on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically under Code 15 USC 1681i ( b ). Additionally, I would like to bring to your attention a violation of the Fair Credit Billing Act ( FCBA ) under Code 15 USC 1666 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a letter to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Experian with regards to inaccurate/duplicate information reporting on my credit report. I have yet to receive investigation results, as it is now past the 30 days. I requested all information reported to ensure its accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are inaccurately reporting on my credit file. These accounts do not belong to me therefore I can assume that they are fraudulent, or my lost id may have been sold on the dark web. For whatever reason they still doesn't belong to me and I'm demanding that these following accounts are deleted from my credit files. 

1 ) XXXX XXXX XXXX {$710.00} 2  ) XXXX XXXX XXXX {$180.00} 3 ) XXXX XXXX XXXX  {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my installment loan in full to Apple Bank on XX/XX/2021 on XX/XX/2021 my credit score decrease 68 point due to late payment of over 120 days. I contacted Apple bank they said It is false information In their records everything was paid on time. I then contacted XXXX XXXX the credit agency that lowered my score and they said they received the info from Apple bank. I contacted Apple bank and the rep said there was not anything they could do on their end only trans union can fix the issue. I called XXXX XXXX once again and was told they will look into it and put in a dispute which can take up to 90 days.
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. 

Accounts : Convergent account XXXXXXXX XXXX XXXXE XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX XXXX has violated my rights. 

XXXX  account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX  account XXXX XXXX has violated my rights. 


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

15 USC 1681 Section 602 A also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 USC 1681s-2 ( a ) ( 1 ) states 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

On XX/XX/XXXX of this year i wrote a letter to XXXX, Experian & XXXX to notify the Elaborate mechanism that they are indeed Reporting fraudulent & Incorrect information & A Fraudulent Account : XXXX XXXX XXXX XXXX on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. They Responded by Mail on XX/XX/2023 & Notified me that the Fraudulent Account : XXXX XXXX XXXX Was removed from my Credit Report. XXXX & XXXX Followed up with another Letter 14 Days later on XX/XX/2023 and Notified me that they 'Reinserted " the Exact same Fraudulent account : XXXX XXXX XXXX on to my Credit Report that had been removed just 14 Days Prior. Completely ILLEGAL, Violating a Plethora of Federal LAW Codes & violating my Trust within the Banking System. Their Willful Disregard for Federal Law is Completely Absurd and Repulsive & I'm not sure why they believe that they're ABOVE the Law. 

Their Negligence has Caused me Stress, Physical harm, anxiety, Hardship, misfortune, suffering, Trauma and emotional turmoil. Months Later & XXXX, Experian & XXXX is Still Denying me of my Consumer Rights & Perpetuating their Wrongdoing & Violations of Federal law. 

The Fraudulent Account : XXXX XXXX XXXX was Removed & then Reinserted 14 Days Later, Perpetuating the Damages of my Reputation and my Consumer Profile. I'm Requesting the CFPB and Every other Federal Regulation to Recognize this as an attack on the Consumer & to step in and Counter their Fraudulent & Illegal Activity & Compel them to Follow the Law. 

I have no other Option but to View this as a Direct Attack on Consumers & I will not allow this Elaborate Mechanism to continue to Report Adverse and Fraudulent Account : XXXX XXXX XXXX on to my Credit Report, Especially after they have already removed it. Indubitably Preposterous, unethical, Deceptive, & Unfair Practices.
Product: Credit reporting or other personal consumer reports

I have requested Validation and I still haven't heard from the debt collector explained to the company my identity was involved in a data breach.