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

I contacted the company to verify accuracy. This account was sold to a collection company and was settled for half of what was owed. The company that SOLD the debt continues to report it even though they no longer hold the account ... .delinquency can only be reported by who ever owns the debt ... but the debt was settled for {$110.00} the company is CREDIT FIRST/FIRESTONE ... ..A PYMT OF {$110.00} was made by me to the collection company to settle the debt and delete ... 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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized NXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Vehicle loan or lease

I leased my vehicle from Lexus of XXXX in the year XXXXThey asked me to find a co-signer and i asked my sister to co-sign with me.At the time of lease, I was not explained the terms and conditions by the salesperson.They just told me that my car loan has been approved by their internal banking by Toyota finance.The lease term was for 4 years.I went to return my vehicle right when the leasing period ends in XXXX.They first refused to take my vehicle because they told me i have driven over miles and they demanded me to pay XXXXI said i am sorry i dont even know why you guys are asking me to pay that amount when i brought the vehicle on time.They said we wrote in the agreement that you will drive for only XXXX miles a year.I mean realistically it is impossible for a working person who owns just one car to be driving only XXXXmiles a year.I clearly told them that i am sorry you guys should have explained the terms and conditions at the time of purchase but they did not listen to me.I tried to escalate the matter to Toyota finance but they put XXXX in my collection.The collection people started reaching out to me everyday during the covid time and they started threatening me and my married sister that if we dont pay we have to bear the consequences.It was at a peak of covid time and I lost the hours at work and literally lost my job because everything was closed and i was living on unemployment benefits.They started sending letters to me and my sister and started calling my sister everyday.I got really terrified because i didnt want my sister to have any family problems because of my matter.Shes married and her husband was not happy that collection people were reaching out to them.I had to end up using my only unemployment benefits money to pay off that $ XXXX/-.I was really harassed and threatened by them and i had to pay $ XXXX at the peak of covid time.My wife hasnt been working from last 8 years due to some personal problems and i have XXXX kids as dependents.According to me it was completely of Toyota finance to first of take {$10000.00} forever miles from a customer when customer was not even notified in advance about the terms.Secondly, they recovered the amount by threatening me and my sister at the peak of covid time when i could use that money for me and my family.Due to this we suffered a lot for so many months.I would request the Consumer affairs to help me recovering my $ XXXX back because i was no where responsible to pay this amount.I was completely tricked by Lexus of XXXX and i am looking for a compensation for harassing my family at the peak of XXXX times and made us struggle through out the covid with limited funds to survive. 

My account number with the Toyota Financial Services is : XXXX
Product: Credit reporting or other personal consumer reports

I reported this inaccurate inconsistent incomplete account to both credit bureaus XXXX and experian for identity theft and they are still reporting this accountXXXX XXXX XXXX XXXX  acount # XXXX charged off balance of {$510.00} opened XX/XX/XXXX and XXXX is reporting XXXX XXXX XXXX XXXX acount # XXXX {$510.00} open date XXXX recieved an alert from. Experian the account was reaged to open date of XXXX balance changed to {$500.00} I reached out to XXXX XXXX XXXX XXXX and spoke to XXXX  on XX/XX/XXXX to ask them to please stop reporting this inaccurate inconsistent incomplete account to the credit bureaus and she hung up on me saying that this account wasn't the result of idenity theft and hung up on me.i filed a report with ftc in regards to me not knowing about this account and am attaching the report as proof.please stop violating my federally protected rights under 15u.s.c1681.delete account immediately.also I emailed the president this morning to help me.
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Center, I am writing to formally dispute and request the correction of inaccurate address information on my credit report, specifically in relation to Metro 2 compliance standards. The reported address in question is : XXXX XXXX XXXX XXXX XXXX, NJ XXXX It has come to my attention that this address entry does not conform to Metro 2 reporting guidelines. I am seeking your prompt attention to investigate and rectify this discrepancy to ensure compliance with the established

Metro 2 Reporting Format. In accordance with Metro 2 guidelines, I am prepared to prov
ide supplementary documentation for address verification. Enclosed herewith is a copy of my cell phone bill, which serves as an alternative verification method meeting the requirements of Metro 2 reporting.
Product: Credit card or prepaid card

Barclays AAdvantage MasterCard requires customers to provide last 4 digits of social security number to speak to customer service. I asked about using a different 4 digit code, but was refused an alternative. I never authorized Barclays to use my SSN in that fashion and feel this is an identity theft risk. Called to customer service, then was forwarded to security who could not assist. Finally spoke to customer service manager who said there was no other alternatives available. Calls happened on XX/XX/2021.
Product: Bank account or service

I wrote a check for {$140.00} to pay my XXXX XXXX acct. XXXX never receive the payment and later found out that the check ended up at XXXX Bank and had been cashed. I reported this to my bank TD Bank located on XXXX XXXX in XXXX, DE they give me the run around for months. I did all they requested of me. Lastly I filled out a document and was told an investigator would call me. He never called. I reopened the case again and give them the reference number given to me the first time I made the complaint. I was told they could n't find any record. I filled out the same document and was told again an investigator would call in about a week. No one called and two months had passed. I called them and was told by XXXX that there was nothing they could do.
Product: Debt collection

I have reached out to Phoenix Financial Services LLC XXXX XXXX XXXX, XXXX requesting information in which I have yet to receive a proper response as they failed to provide me the specific information requested in my initial cease and desist/debt validation. Phoenix Financial Services LLC XXXX XXXX XXXX, XXXX is in violation of my rights as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and its showing an unauthorized/ unverified inquiry on my EXPERIAN and XXXX report account from XXXXXXXX XXXX XXXX ( bank ). I have no knowledge of this inquiry at all and need it to be removed from my credit report immediately.
Product: Payday loan, title loan, or personal loan

I took a loan for {$700.00} on XX/XX/2017 via the internet. I made arrangements to have the payments taken directly from my checking account. I made 2 successful payments. I was contacted via e-mail to notify me that my next payment was being made. It is then when I noticed that my payments of {$240.00} and {$230.00} had resulted in a remaining balance of {$810.00}. I still had not received a paper or digital copy of my agreement. I tried logging in and they made that difficult to do. I called and the would not tell me or provide me with fee information or an APR. I persisted and they e-mailed me the document. I was transferred to a supervisor, she then revealed to me that only {$35.00} of each payment went to my loan. I attempted to make payment situations with a lower APR/Fee they refused. Since this is a company that is not on United States soil, they feel that they do not have to abide by US laws. My interest rate is 860.5428 % APR and I only learned that number after 45 minutes and being placed on hold several times. This company, legal or not is deceptive at the least and should be avoided at all costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called 3 credit bureaus to remove negative report from my public record but they didnt respond me it shoes bankruptcy on my public recort on my credit report back in XXXX they told me they gon na remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house its hurting me cant go forward to grow up Thanks
Product: Checking or savings account

XX/XX/23 I tried to renew the CD but I found out they lied from fixed CD rate 3 % to 2 %. 1 year ago, I opened a fixed CD for 3 % at Chase Bank in XXXX XXXX, they insisted me to open an account, credit card- changing people, move me everywhere to distract/ confuse me for 2 hours. I trusted Chase, top 3 banks in our USA, and believe they gave me everything. ( 60-70 pages ) But when I took out the whole package, the CD paper was not there. On the online banking, it shows 3.68 % on my fixed CD account, but the bank manager told me its current rate. If its 2 %, I dont need to move money out of Wells Fargo ! The whole bank lies to me and rubs me {$2200.00}! Please help me and give me the Justice! I believe they do this to A LOT OF PEOPLE! Please help us/ me and my family! ( the money is for my mom/ brothers in XXXX and my son tuition! ) God Bless You and Your Lovely Family! God Bless our American! Thanks
Product: Mortgage

XXXX quit deed her brother the house paid the mortgage out of her Bank account automate paid her mortgage part of the mortgage agreement. She died. I paid the mortgage out her estate. XXXX XX/XX/XXXX, the bank sent her a letter informing her since they was unable to draft recent loan payment from the designate account. On XX/XX/XXXX the bank sent her a payment statement she owe XXXX. Since I paid it. On XXXX, XXXX I went to Webster Bank In XXXX ad informed the bank of my sister death and showed the bank the death certificate and Quit deed that Iam the new owner of the property. And informed the bank Iam not paying another mortage until the problem is strengthen out. The bank notified the loan department and informed me the mortage department will contact me in a week. I received a letter from the loan department in XXXX ct. If i don't sign the letter saying Iam the successor in interest the bank won't send me notice or communication. When I reviewed the discloser agreeing the bank approved the loan with loan with an escrow account with the interest. But with the escrow the loan is payoff. So se was paying the principal on the mortgage loan with interest. See attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with Chase regarding them incorrectly saying that I was late. I opened a complaint with you number XXXX. In XX/XX/XXXXthe company agreed to remove the late status. The company never did remove the late status and it's still on all of my 3 scores.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan

I am with XXXX. We are closing down the bank account to stop them from damaging us further. The name of the company is Quik Cash in XXXX Kansas. I made payment arrangements with them and was late on that arrangement. At the time of the pay arrangments they were supposed to have shredded the original check for {$570.00} ... apparently they never shredded it, even though they told me they would. When I was late on my arranged payment, they submitted the MUCH larger original check right to my bank and over drafted my account badly! This is NOT ok! They ca n't be angry for a lateness and put through a check that was supposed to have been destroyed. : - ( Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except XXXX days past due, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The XXXX credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at The XXXX credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Ive never been behind on my payment. I tried contacting the XXXX Credit Bureaus and the XXXX XXXXXXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for XXXX XXXX accuracy. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : {$270.00}.
Product: Money transfer, virtual currency, or money service

I arranged to buy tickets for a comedy show from someone on XXXX. He said he was going to transfer the tickets to my name ( to arrive via email ) and showed me a screenshot of a seemingly valid ticket confirmation. I payed him {$250.00} via Venmo, as agreed, and never received the tickets. He then blocked me on XXXX and is not responding to my calls requesting a refund. I contacted Venmo 's customer service and was told they could not help me recoup my money. They suggested filing a police report, which seems like a completely unrealistic, dead-end non-solution. 

The phone number the scammer gave me is XXXX. 
The Venmo account I sent payment to is : @ XXXX. Name : XXXX XXXX. Transaction ID : XXXX His XXXX handle is : XXXX XXXX XXXX ( @ XXXX ). He has blocked me on twitter so I can no longer message him. I have attached some screenshots below. 

I also contacted my personal bank, XXXX, to stop the payment. But it has not showed up in my list of transactions yet, and the XXXX representative said the bank can not contact Venmo to stop the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following Incorrect Addresses, Phone Numbers and Incorrect spelled names from XXXX, TRANSUNION and XXXX credit report. 15 USC 1681s-2-, A person she'll not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Incorrect Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Incorrect phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX. 

Incorrect Addresses : XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX ). XXXX XXXX XXXX XXXX Ohio XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX XXXXXXXX Michigan XXXX XXXX ). XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Michigan XXXX
Product: Debt collection

My wageworks credit card sent them a check for XXXX and that check was returned back for incorrect address that was given to me by XXXX XXXX University. After a month I received a letter from XXXX that my payment is passed due so I called my wageworks and they told me they already paid them but they returned the check. I called XXXX and explained what happened and if they can send me a good address and another medical bill to resubmit it to my wageworks and they never did until they finally kept sending me a balance statement instead of a medical bill. I told them a balance statement is not accepted by my wageworks credit card so they ignored my calls and reported me to CRS Consolidated Recovery System. I explained to CRS that my wageworks card is willing to pay because they did before and the check was returned if MHU can send me a bill, but even I told them what is going on and why my wageworks can not pay them unless I get a medical bill CRS kept sending me a balance statement which is not accepted by my wageworks credit card. The whole thing is very simple to solve if XXXX send me a medical bill stating in it the exact type of treatment they provided the payment will be issued in a matter of a week. Both XXXX and CRS do n't want to cooperate.
Product: Credit reporting or other personal consumer reports

I am listing this inquiry fraudulent from my Equifax credit report. XXXX XXXX XXXX XX/XX/year>. The listed inquiry do not belong to me and must be removed from my Equifax credit report. I had a call with the company and the credit reporting agency advised to fill out identity theft report for deletion. I am requesting Equifax to mark listed inquiry as a fraudulent and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I do not recognize and I did not authorize that I will like to be deleted from my credit report.. Thanks
Product: Debt collection

They have called me numerous times and have said they are trying to serve me, but the local civil court has no knowledge of me being served. I Demanded a debt validation letter by US mail. They give me an attitude and threaten to call everyone I know after I told them to stop calling anyone but me. I have no remembrance of the debt and I 've asked for them to take it to civil court and id be happy to go and resolve. They continue getting angry and wont let me speak and just continue saying they will call anyone they want. 

There have been many complaint about this company XXXX XXXX XXXX reference # XXXX Here are complaints by other consumers. 
XXXX
Product: Debt collection

XX/XX/2023 I received second call which was a couple days after the first call from tel # XXXX. Both times stated the line was recorded. I hung up. I called the number back which gave me the company name National Credit Adjusters. Not knowing why or who they where calling about I XXXX to get their address and typed up a letter in XXXX docs and sent it Priority on XX/XX/2023 track # XXXX XXXX XXXX XXXX XXXX XXXX using the last 6 numbers of my social as a Ref #. Dear Bottom Feeder ... .. Basically asking for a debt validation letter to be sent.

I get a notification from XXXX XXXX that a collection has been placed on my file today XX/XX/2023. I disputed with XXXX today that I wasn't informed of this debt and that it needed to be validated