23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 I visited XXXX XXXX XXXX, XXXX for an in office procedure. I used no insurance and signed paperwork that all debts were paid in the office at the time of the procedure. The agreed price was {$180.00}. This was paid in person at the time. There was no later billing option, the price was established, paid in full at the time of the procedure, a receipt given, paperwork signed that all debts were to be paid at that time ( unless insurance was involved ), and the office billing person confirmed in person that everything was paid and nothing new would be charged. 

About a month later XXXX XXXX XXXX sent a bill for the procedure for which I had already paid. I attempted calling XXXX XXXX XXXX but were only able to leave a voicemail. To to best of my knowledge, no response from them was received. I continued to try to call, but only was able to get to voicemail, there was no person to whom to speak. 

The debt was then " assigned '' to Merchants & Professional Collection Bureau who attempted to collect on this falsified debt. We contact MPCB and explained that the debt was false and submitted a dispute to XXXX XXXX XXXX who provided the original paperwork that stated that all debt was to be paid at the time of the visit, along with a bill for the service again. MPCB decided that even though the paperwork showed that we were not a customer at the time of the latter, false bill, and had no debt to XXXX XXXX XXXX, refused to clear the debt. 

We called today to MPCB to discuss why they were continuing to pursue a bill now that they were aware that it was fraudulent and they hung up on us and provided no recourse for their pursuance of a debt that they knew did not exist. Even though XXXX XXXX XXXX provided no supporting documentation as to the debt attempting to be collected, and even though they had provided paperwork showing no debt could exist!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reporting wrong info on credit report i sent u info proving its incorrect yet still will not fix ur XXXX XXXX this has been disputed several times and corrected several times this needs to be fixed right
Product: Debt collection

This is the second complaint that I have filed with CFPB as the company has not stopped continuously calling me after I TOLD THEM NUMEROUS TIMES that I am not the person that they are looking for. 

These are the companies that harass me daily : XXXX XXXX XXXXProfessional Bureau of Collection of Maryland
Product: Credit reporting

My issue is with the XXXX headquartered at XXXX XXXX XXXX, XXXX, XXXX, Pa XXXX ( from her on referred to as Credit Union ). The Credit Union has continually reported negative information to the credit Bureaus regarding my account. As you can see by my attached documents and from credit report from Experian according to them, I have a negative entry, a judgement from the Credit Union. I have disputed that entry at least ( 3 ) times with Experian and each time I get the same answer, the Results, " REMAIN ''. The account has been " CHARGED OFF/NEVER LATE '' and then they conveniently find {$0.00} in my account over 7 years later! At the very least, they are in my opinion, guilty of XXXX poor bookkeeping and their accounting practices are suspect and should come under Federal Banking scrutiny. The original account opened around XX/XX/XXXX and was in good standing until sometime in the XXXX 's. I was unable to continue payments. I had tried to make arrangements but they were rejected by the Credit Union as not good enough. I had to help pay my divorced and ailing elderly parents expenses as well as my own. At any rate, the account was eventually charged off during the XXXX 's. If you check, you will see the Credit Union does not list an exact date for the start of this delinquency on purpose. The beginning date of delinquency can not be found, anywhere that I can find. However and at any rate, the seven years for which an account by law must be removed from a person 's credit report has long since passed, twice. What is happening to my credit report and to me personally is only as a punishment. It has interfered with my obtaining credit for those companies using Experian as a verification agency and it has kept me from certain benefits from other companies that I already have accounts with ( i.e. ; insurance cost, purchases etc. ). The Credit Union continually updates my account to look as though my account has been up to date, active and in good standing each month of each year. This makes the account appear to be active on my credit report. I have not/could not use this account since it was written off in the XXXX 's. I have no contact with the Credit Union nor have I used these accounts since being written off in the XXXX 's. The only activity on this account is the Credit Union making it appear to be active. Evidently, they are falsifying entries so it appears that I am doing something with or to the account, which I am not. On my Experian report it states that ( STATUS-as of XX/XX/XXXX account chargedoff/Neverlater {$8600.00} Written off. Then it states- {$9200.00} past due as of XX/XX/XXXX. This account is scheduled to continue on record until XX/XX/XXXX )! Also, please note that since I filed a complaint the Credit Union has now filed a Judgement in the courts ( with no date ) as additional punishment further damaging my reputation and credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is that the collections account is listed as LVNV and I received notification from XXXX XXXX called LVNV they said Id have to contact XXXX XXXX was transferred to an extension and left message. Trying to settle debt but am shuffled between 3 different collections companies. Negative remarks added to credit report because I am disputing endlessly because there are too many creditors notifying for one account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been so agitating waiting for Bureau 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries and incorrect personal information that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries and personal information but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries and incorrect personal information I am disputing. 

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

In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 instructions.

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 an purpose.

438
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries from organizations in which I have no affiliation with. I never authorized the companies to view my Equifax credit report. There is XXXX XXXX XXXX twice XXXX & XXXX XXXX, 2019. Then XXXX XXXX XXXX dated XX/XX/2019 and XXXX XXXX, XXXX XXXX, 2019. 2019, was especially hard because I was my mothers caregiver and she passed, so I was dealing with a lot taking care of her, then her passing so I was dealing a tremendous loss and I did not make or authorize these inquiries. Fraud alert were attached to credit reports, so not sure why I was not contacted in regards to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

account : XXXX XXXX - XXXX I didn't give the credit reporting agencies permission to report some of the accounts I'm trying to get removed. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ). This law states that a consumer reporting agency can only provide a consumer report with the written instructions of the consumer. This violation can lead to identity theft, which is concerning.

According to 15 U.S. Code 1602 ( l ), a credit card can be any device used to obtain money, property, labor, or services on credit. Therefore, if I didn't give a company permission to share my credi
t card information ( like my ID or SSN ) with a credit reporting agency, this is a violation of 15 U.S. Code 1681s-2 ( a ).

This law requires that a consumer reporting agency must block the reporting of any information in my file that results from alleged identity theft. The agency has to do this not later than four business days after receiving appropriate proof of my identity, a copy of an identity theft report, identification of the information by me, and a statement from me that the information is not related to any transaction by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX with account number XXXX appears to be a charge-off account with a specific balance of {$510.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in one of the Bureaus. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Product: Checking or savings account

I really cant give an exact date however I know on a few occasions I have either deposited or withdrawn money from an Wells Fargo atm and the money was either counted wrong or came out a shorter amount I have called before and it was nothing they could do for me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND EQUIFAX ARE KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX ON MY CREDIT FILE THE OPENED DATE AND THE DOFD DATE OF FIRST DELIQUENCY.
Product: Credit reporting or other personal consumer reports

OnXX/XX/XXXX my application for rental was denied due to information that is vacated and sealed with the courts. 

Appfolio denied me based on my old information they had in their database. 
Literally pulled my credit report and XXXX seconds later I was denied. 

I've wrote them letters twice once last year and once this year in XXXX for disputing and removal along with valid proof and they still haven't done such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes requesting my personal information be updated to the most accurate and up to date information but old address and other names still remain on my credit report. Transunion, XXXX, and XXXX have failed to update my personal to only one address, one phone number, one name, and one employer. Correct information should be listed as : Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone Number - XXXX Employer XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I worked with a company XXXX XXXX XXXX who " bought '' a credit card debt from XXXX XXXX. In a good faith effort to pay that debt and clear it up, I paid the " OFFER '' amount to settle it in full for XXXX out of XXXX owed. I paid the XXXX to the collection company on XXXX 's behalf and XXXX refused to and still refuses to show " settled paid in full '' according to my agreement with XXXX, XXXX who provided me with a letter stating " Settled in Full ''. 
IF XXXX is representing as XXXX XXXX collector than I should be given the curtesy of having my account reflect the fact that I did the right thing and paid the agreed Settlement amount.
Product: Checking or savings account

On XX/XX/XXXX, I asked my father to deposit a check in my checking account to bring my account current. He deposited the check. I went to a local Chase branch in XXXX XXXX XXXX on XXXX and XXXX XXXX and asked a teller if there would be a hold on the check. I was told by the teller that there would not be a hold and that the check would clear on XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my account and there was a hold on the check. I then drove to the Chase branch on XXXX XXXX in XXXX XXXX, NV and inquired with the teller as to why a hold was put on the check. I was told by the teller that the check was on hold until XX/XX/XXXX. I inquired into the reason when there was no initial hold. He told me he didn't know why and that I would have to call the XXXX XXXX number. I then asked him if I could close my account. I was told that I could not close my account because of the pending check. I asked if we could have the check back since it didn't clear so my Dad could send money by other means and I was told that I couldn't. I then left. 

I called the XXXX number from my car and explained the situation to customer service. I was told that I had to speak to the Check Clearing Dept. After being on hold for 20 minutes, I was told that the reason the check was put on hold was that " XXXX XXXX flagged the check and stated to not clear the check. '' I was told that I would need to contact the person who gave me the check and have them contact XXXX XXXX as to why it was flagged. I then texted my Dad to find out if he had an issue with his bank account because Chase was stating that the check was flagged. He looked online on his account and the check already cleared on XX/XX/XXXX. We then called XXXX XXXX and were told that they never flagged the check nor did they state to not clear the funds. They stated the funds were already sent to Chase. My Dad filed a claim with XXXX XXXX regarding the matter. The claim # is XXXX. 

I then contacted Chase again via email to try and get some kind of clarification why they would state that XXXX XXXX did not clear the check when it already cleared. I received a canned email message from Chase stating there are many reasons checks do not clear but still no reason. At this point, I am receiving multiple emails a day from Chase stating my account is Overdrawn yet they will not apply the funds to my account. In addition, they continue to charge me fees even though they had received the funds. They also will not allow me to close my account. This situation has resulted in me not being able to buy food for my family or be able to pay my mortgage. If I had been made aware that there was going to be a hold, I could have gone and cashed the check somewhere else.
Product: Credit reporting or other personal consumer reports

The deficiency auto sales payment to GM Financial was {$5100.00}. 

My payments {$2800.00} plus down payment {$500.00} plus {$3300.00} plus deficiency sale {$5100.00} total {$8400.00}. 



The GAP contract was refunded to GM Financial in the amount of {$1500.00}, but not reported to the credit bureaus as a deduction. 

Total payments {$8400.00}. 

GM Financial states auto deficiency balance is {$5300.00}, which is over the original balance reported to the credit bureaus and Consumer Financial Protection Bureau Auto price without Gap was {$8500.00} minus {$500.00} down payment. 

GM Financial is reporting an inaccurate balance due and have changed the amount of the deficiency loan as reflected in complaint ID to Consumer Financial Protection Bureau # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

GM Financial is also stating inaccurate information as to repossession date. 

Auto repossession occurred XX/XX/XXXX or XX/XX/2023. 

GM Financial reported to the credit bureau repossession occurred XX/XX/2023. 

The auto loan was within the thirty days late period, the auto loan was not sixty days late as, GM Financial, reported to CFPB in the above referenced complaint. 

I request GM Financial delete this auto account due to the fact that inaccurate balance reported and inaccurate date of auto repossession information was reported to the credit bureaus and I received no redemption letter or deficiency notice.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX to remove Tennessee Child Support off my credit report. This account is closed and paid off. The update that occurred afterwards is false. I have not made any recent payment to Tennessee Child Support. This update is fraudulent. My case was closed in 2022 when my son was adopted and the balance was forwarded to the county I reside in now. Also, the date of last payment is different on two different bureaus if you look at my report for Tennessee child support you will see someone put ND because there was no payment due, and all of a sudden I made a payment out of nowhere? That makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$0.00} XXXX XXXX {$700.00} XXXX XXXX   XXXX {$1800.00}
Product: Debt collection

I disputed two monthly charges of {$78.00} each made by The XXXX XXXX to my XXXX credit card : one made on XX/XX/XXXX and another one made on XX/XX/XXXX. The reason for the dispute was due to the fact that The XXXX XXXX increased my monthly subscription from {$27.00} to {$78.00} without my consent and consequently I cancelled my subscription. ( XXXX XXXX XXXX used to charge my XXXX card automatically every month. ) After its investigation, XXXX refunded me two amounts of {$51.00} each which is the difference between my old rate ( {$27.00} ) and the new rate ( {$78.00} ) The XXXX XXXX tried to impose upon me. According to XXXX, the reason they credited my account was that The XXXX XXXX never answered to XXXX inquiry. Therefore, The XXXX XXXX was paid {$54.00} for two months. 

In addition, XXXX informed me that on XX/XX/XXXX they credited my account in the amount of {$24.00} due to a credit initiated by The XXXX XXXX itself. 

Now The XXXX XXXX sent me to a collection agency because they say I owe {$150.00} for the months of XXXX and XX/XX/XXXX and XX/XX/XXXX, which debt I obviously do not accept.
Product: Credit reporting or other personal consumer reports

Concerns About My Personal Info Being Shared Without Permission Hello, I hope you're doing well. My name is XXXX XXXX, and I need to talk to you about something important regarding my credit report. 

I noticed that some of my personal information was shared with another party without my permission. This doesn't seem right, and I believe it goes against the rules in the law ( 15 U.S. Code 6802 ) about sharing personal information.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to know and control who accesses my personal details. The fact that my information was shared with someone not connected to your agency raises concerns about my privacy rights. I never had the chance to say no to this, which the law requires.

I want to be clear that my concern is not with the companies I owe money to but with your agency for sharing my information without asking me.

I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal information. Since I haven't given that permission, I'm asking you to show proof that I agreed to it. If you can't, it might mean a violation of FCRA rules. 

I've already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried that this unauthorized sharing might be a form of identity theft ( 18 USC 1028a ). 

I officially request you to remove the following accounts from my credit report within four business days : XXXX XXXX - Account Number : XXXX ( this account has multiple errors from XXXX to XX/XX/2022, showing a repetitive late payment of 90 days, violating 15 USC 1681eb and inaccurate reporting ) XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX I have the right to fair and accurate credit reporting, and fixing these mistakes is crucial for the accuracy of my credit report. 

Also, I need you to explain how you verified that the information you have is accurate and that I had the chance to decline it. This is important for fairness and accuracy in credit reports. 

I hope we can resolve this matter within the specified four business days. If not, I might have to consider legal action. 

Thank you for addressing this promptly.
Product: Debt collection

CBHV Reference # XXXX is reporting inaccurate information to the credit reporting agencies I have reached out numerous times through certified mail to this company to resolve this issue. I demand proof of this alleged debt specifically the physical contract bearing my signature, according to 15 USC 1692g ( b ), a debt collector shall send the consumer a written notice containing, amount of debt is owed to, and verification of the debt or copy of a judgement, according to Black 's Law Dictionary Verification Means : Confirmation of correctness, truth, authenticity, by affidavit, oath, or deposition. CBHV has not provided physical evidential documentation regarding this debt, but they have verbally communicated to the collection agencies the alleged debt is verified without providing evidence of the debt, amount owed, the original contract bearing my signature, I have no account with this company, nor am I or have ever been a customer, nor have I entered a contract with this company. Regarding my demand for proof, you have not supplied the demanded proof of the alleged debt, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. According to 15 USC 1692 ( a ) Congressional findings : you have violated me by invading on my privacy, for one having my personal information without my consent and furnishing information to third party agencies buying and reselling my information without my consent. If this reported information to the credit agencies is not removed a Lawsuit will be brought against your company. Further, because of the nature of these violation your company have committed against me, I'm asking for XXXX per violation. This is for your company causing distress, many missed nights of sleep and headaches. This letter is to serve as a formal complaint with the CFPB, FTC, Attorney General and the XXXX