23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a notification from my credit monitoring service that this debt was placed on my credit report. Upon further investigation with them on the phone, I was advised that they were from XXXX. This issue has been a continued dispute with them spanning both XXXX and New York State Attorney General. XXXX engaged in deceiving practices and ripped us off concerning this account. XXXX refuses to discuss the issue with me concerning this and their representatives have done nothing but yelling. 

The collection agency has refused to engage me instead has resorted to just placing this on my credit file. This matter is in dispute with several consumer protection and government agencies. This company has never once given me the chance to inform them and dispute this debt and they have never reached out to me. They have violated the Fair Debt Collection Practices Act. 

In addition the company claims they were paid for the debt when I paid the creditor directly once they agreed to take care of the situation. As you can see they refuse to report a status on my credit report and instead state " NO STATUS '' and they claim it is for someone else in another state. 

I have enclosed 2 items, one is the printout from XXXX showing it on my credit report and the other is a letter they emailed to me about the payment.
Product: Credit reporting or other personal consumer reports

I found errors on my credit report under 15 USC 1681c-2. The listed inquiries were not authorized, and this false information is damaging my credit. Please remove all unauthorized hard inquiries. Thank you.
Product: Payday loan, title loan, personal loan, or advance loan

It was a personal loan however we purchased a vehicle with it. One main was aware of this as they sent us to the dealership they deal with and they were sent a copy of our title.. The loan was discharged due to bankruptcy. They discharged it on my husband and myself and I didnt file bankruptcy, then continued to collect payments from myself until I just happened to see the charge off on my credit report. They refuse to remove the lien from the title of the vehicle.
Product: Credit card

I am writing to address critical issues with my Digital Credit Union open end consumer credit plan. 

1. Address Update : Please update my mailing address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My previous address was XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA. Mail delivery to this address has been unreliable, and I have not received recent statements or correspondence. 

2. Non-Receipt of Statements : I have not received any recent billing statements due to mail delivery issues and the theft of my cellular device, which has restricted my access to emails and account information. As a result, I have been unable to make timely payments.

3. Billing Dispute : I believe the missed payments on my account constitute a billing error under the Fair Credit Billing Act ( FCBA ). I request that any associated late fees or penalties be waived pending the outcome of an investigation.

4. Request for Statement : I request a current billing statement be mailed to my updated address so I can remit payment promptly.

5. Contact Information : My current phone number is XXXX. Please update your records with this information. 
I expect confirmation of receipt of this letter and a prompt resolution to the issues outlined. 
Sincerely, XXXX XXXX
Product: Vehicle loan or lease

The original loan was in my late husbands name but after he passed away I being his surviving spouse continued to pay on the loan and a death certificate was provided. I decided to purchase a car in my name only and turned the car over to Ally Bank. They sold the car in XX/XX/XXXX and issued a check to the estate of XXXX XXXX. I contacted them to inform them there was no estate and tried to get them to reissue in my name and they refused. I hired an attorney and finally obtained a certified copy of an order signed by the judge to have check reissued in my name. Again they refused and reissued check to my late husband. It is filed under their agreement number XXXX. The court order filed XXXX in XXXX XXXX Florida Court Probate Division signed by the judge on XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX  XX/XX/XXXX, I made an {$310.00} transaction through the company PayPal goods and service. l bought a merchant from an international seller and it was sent through USPS but this package never arrived to me and the signed signature and address is also not mine, but I don't have a security camera to proof that it wasn't delivered to me and the seller neither bought an insurance or asked me if I needed a insurance for the package so USPS would not let me file a claim. I disputed a case on PayPal and provided all the details to PayPal but they denied and closed my case only because the seller provided a delivery number.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
Chapter 7 Bankruptcy XXXX XXXX CT IL XXXX Reference # XXXX Chapter XXXX Bankruptcy XXXX Bankruptcy XXXX Reference # XXXX
Product: Credit card or prepaid card

We had entered into debt consolidation with XXXX XXXX and Synchrony Bank agreed to a settled payment. In XX/XX/2019, we sold our house and found that Synchrony Bank had placed a lien on our home. To head off any additional problems, we paid them off and they were supposed to issue a release on the lien. We closed on our house onXX/XX/2019 with the Title company paying off this debt. It is now XX/XX/2019and they still haven't released this lien! We recently purchased some land and this is now going to hold up this closing just like they almost did back in XXXX. We feel no other recourse at this point but to sue them in XXXX county Arkansas court to have this lien removed as well as for all Attorney fees. Throughout this entire ordeal, Synchrony Bank has been rude, condescending and unhelpful. Even the Title company has commented multiple times that they had dealt with this same issue many times before with no issues, but this is the first time they have ever dealt with a bank that seemed dead set on being as difficult as possible. They even acted like they didn't want to be paid off! Steer clear of ever doinf business with this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, I HAVE SUBMITTED NUMEROUS COMPLAINTS REGARDING INACCURATELY REPORTING PAYMENT INFORMATION REGARDING MY XXXX XXXX  CREDIT CARD ACCOUNT TO XXXX AND TRANSUNION. I HAVE A 30 DAY LATE PAYMENT REPORTING ON XX/XX/2020 AND I WAS NEVER LATE XX/XX/2020. I CONFIRMED WITH XXXX XXXX ON THE PHONE THAT I WAS INFACT NEVER LATE XX/XX/2020 AND FOR BOTH REPORTING AGENCIES THEY ARE SHOWING 30 DAY LATE PAYMENTS. 

XXXX REMOVED THE LATE PAYMENT BUT TRANSUNION AND XXXX HAS NOT.
Product: Debt collection

THE COMPANY REGIONAL ACCEPTANCE CORPORATION PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT MINE. MY NAME IS XXXX XXXXXXXX XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. this resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy, and.. Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 
15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request several times to remove addresss XXXX XXXX XXXX from my personal file and update my current address which I have send valid information to do by my written instructions. Experian has not removed this addresss and hasnt update this address to my valid address by my written request to do so. This is a violation under 15 U.S.C. 1681 I have the right to privacy, and has instructed to remove this address
Product: Credit reporting, credit repair services, or other personal consumer reports

Countless times, XX/XX/XXXX - XX/XX/XXXX I have reached out to the original creditor ( Speedy Cash Com TXCSO ), which now Ad Astra Recovery SE is now the collection agency. I notified both companies in writing that I am a victim of identity theft, and requested that they close the unauthorized account, remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files, XXXX, XXXX, and XXXX. I have contacted FTC Identity Theft Report to report this. I have both companies to send me a letter explaining their findings, and that I am disputing the fraudulent charges. I have mailed so many letters, yet, no response. The amount is {$1700.00}.
Product: Debt collection

I have contacted the collection agency to inform them that the account they have reported to the credit bureaus is inaccurate and erroneous. They reported this alleged debt to the credit bureaus in XXXX of XXXX. 
I just recently learned about this debt in XXXX of XXXX. 
I have informed them that I do not owe this debt that they allege. 
I have since filed a Small Claims Suit against the original creditor for this error. 
I have sent copies of the small claims filing to the collection agency giving them further proof that I do not owe this debt and that the original creditor should never have sent it to collections. 
The collection agency has continued to report this inaccurate debt with the credit bureaus.
Product: Vehicle loan or lease

Wells Fargo repoed my XXXX XXXX truck and sold it then tried to make me pay off the remaining balance
Product: Credit reporting

I submitted a dispute in reference to Claim number #  XXXX , which is a tax lien from  XXXX   XXXX   XXXX   XXXX , in  XXXX    XXXX   with TransUnion  credit agency.  In  XXXX  of   XXXX   they completed there investigation and now they are showing that the lien has been paid ; however, they are claiming that the lien is still being reported by  XXXX   XXXX   XXXX   XXXX . I received a letter from the Georgia Departm ent of Revenue  releasing that lien and they stated that they never report anything to any credit reporting agency.   I have requested of Transunion to Please validate this information with  XXXX   XXXX   XXXX   XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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

EXPERIAN I am the natural living man, Executor, trustee, beneficiary and legal copyright owner of the said name stated on my birth certificate and social security card and all other variations of such name/entity. I have sent the necessary documents proving my sole ownership. Experian has yet to respond to my request/dispute and it has been well over 30 days since the notice has been received by EXPERIAN which is a direct violation of 15 USC 1681i ( a ) ( 1 ) ( A ). According to my congressional findings Pursuant of 15 USC 1681b ( 2 ) - A consumer has the right to DEMAND remedy by means of written or oral communication. In addition, based on the due diligence I have done, according to 15 USC 1681 ( a ) ( 1 ) - Congressional findings and statements of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. As EXERPIAN would know, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the for the consumers right to privacy. I am afraid that EXPERIAN has not been exercising their grave responsibilities that were given to them, nor performing reasonable procedures for meeting the needs of the commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to me, the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681b Reasonable Procedures. I have remained humble throughout these past couple of years despite all the stress, abuse, and harm that EXPERIAN has caused me. I have had enough of the abuse and unfair practices from EXPERIAN. Pursuant of 15 USC 1681b ( 2 ), I did not give EXPERIAN any form of written instructions to accept, furnish, or report any information on my behalf. By the powers vested in me by the TRUE living GOD, I hereby DEMAND that all Negative accounts, Late Payments, Inquiries, Delinquencies, Charge Offs, that was not Authorized or Verified by me, the consumer, in written format to be Updated IMMEDIATELY according to 15 USC 1692g ( a ) ( 4 ).
Product: Credit card or prepaid card

I ran an XXXX XXXX business, I asked for an OBDII code with ^just answer^ on line. Never got the code interpretation, instead charged the card with a bunch of donations and a fee!! Disputed the charges immedietely next day on line with CHase Visa on line service, on XX/XX/XXXX. Items were pending pending, had made SIX ADDITIONAL CALLS, all transferred to the XXXX, NO RESOLUTION, SO I HAVE HAD ENOUGH!! Today I still have those charges and asked to close and adjust card balance to XXXX!!! This Chase Company has been using the COVID-19 issue to defraud customers and defer legitimate issues, without resulution. I had paid this organization for more than 5 years and giving me the XXXX XXXX!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}
Product: Money transfer, virtual currency, or money service

I was banking at Bank of the West & they had just gotten bought out by BMO Harris Bank. I attempted to wire transfer my funds to another bank account I have at XXXX XXXX Bank as I wanted to close my accounts with BMO Harris Bank. When I tried this they froze my account and told me to call to unfreeze them. I called and the woman said she would unfreeze the account. I checked three days later and it was still frozen. On XX/XX/XXXX I called BMO Harris bank to close both my checking & savings accounts I had with them. I called at XXXX XXXX XXXX. The man on the phone told me he would close the account and the check for about ( total of checking and savings ) {$4000.00} would be in my hands in 2-3 business days. I told him 3 times what address to send it to as they had the incorrect address on file, even though my current address was updated with Bank of the West. The man repeated the address I gave him and I verified it was correct. I did not receive the check at this time so I called and asked where it was. The man told me it was actually 7-10 business days. So I waited and did not receive the check, so on XX/XX/XXXX I called again asking where my check was. I was told by XXXX that it was mailed to my old address and not my current one, even though each person I spoke to prior to this verified my current address. XXXX then told me to wait until XXXX for my check. Between XX/XX/XXXX and XXXX I left XXXX multiple voicemails and got no return call. On XXXX there was no check so I called again and spoke to XXXX. He told me that it was in fact mailed to my current address. He told me that he would put a request for a XXXX to call me back which would happen in the next XXXX hours. XXXX XXXX was a Friday and XXXX a holiday, that would mean XX/XX/XXXX. I got no call from anyone during that week. I called on XX/XX/XXXX and spoke to someone who told me that her XXXX would personally call me that day, and I havent received a call. Its now XX/XX/XXXX, and I have been late on my rent and other bills, owe multiple family members money as they have been so kindly doing what they can to support me during this time.
Product: Checking or savings account

In XXXX of XXXX  my Citibank account was closed due to suspicious activity. I was using my account more than normal. They didnt explain anything. They just closed my account and didnt issue my remaining funds. I had over $ XXXX in my account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX. XXXX, XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX ) XXXX Balance : {$340.00} ; XXXX. XXXX, XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Report # XXXX ; XXXX Confirmation # XXXX ; I am filing this complaint because XXXX, Transunion, & XXXX have all failed to provide me with the documents that their companies are required by law to have on file. these are the same files that were used to verify my accounts I disputed. Being that they have gone past the 30 day mark they can no longer verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA..it states they are required to ... .... '' promptly delete all information that can not be verified '' that ive disputed. I will really appreciate your help since I haven't been getting help from the bureaus I hope you will resolve this issue promptly business and profession acct # XXXX business and profession acct # XXXX