23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX is reporting inaccurate information on my credit profile. They are reporting My XXXXXXXX XXXX  XXXX as a repo. Which is totally incorrect. The car was never repoed. I received Car title in Hand. I am no longer in possession of the car as of XXXX, XXXX due to it be totalled in a Car accident. XXXX XXXX did not have right on Car title because XXXX XXXX had the car title. So XXXX XXXXXXXX is report incorrect information
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I discovered that the same accounts on my credit report were incorrect when I reviewed my updated report in XXXX. The 3 credit bureaus require to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame. My credit report includes the following erroneous accounts that need to be investigated and updated : XXXX  XXXX XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$470.00}, XXXX XXXX  XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX  XXXX XXXX XXXX Balance : {$12000.00}
Product: Debt collection

On XX/XX/ a XXXX XXXX gave my XXXX XXXX XXXX son summons documents while he was sitting on the front porch of our home instead of serving me or my wife directly. I was home and they could have knocked on the door but chose not to do so. In addition to that the medical debt in question is over XXXX XXXX XXXX which in the state Mississippi is past the statute of limitations. They refuse to acknowledge that when I stated the statue to them. The name of the debt collector is South Mississippi Collections services INC. Furthermore when requesting an itemized receipt of the debt, they have yet to comply.
Product: Vehicle loan or lease

On XX/XX/2021 a vehicle was purchased at XXXX XXXX in XXXX, Alabama. The amount advertised was {$18000.00} and the amount financed is {$19000.00}. By the time I will be done paying for the vehicle, I would have paid {$38000.00}. I have reached out to the company via mail to get the issue resolved.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing concerning information on my consumer report that is a direct result of identity theft. I have not provided written or expressed permission or instructions for the below identified inquiries to be reported on my consumer report. I am requesting that the information be blocked and deleted. This request to block is not being made in error, nor is my request to block being made on the basis of misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Date : XXXX Amounts : {$80.00} Actions : I submitted fraud claim that was accepted by FNBO FNBO admitted that the charge was fraudulent but keeps sending emails that a payment is due Account Ending in XXXX SIGNATURE A payment is due on your FNBO Visa credit card account in 5 business days. Thank you if you have already made your payment, you may disregard this notice. 

PAYMENT DETAILS MINIMUM PAYMENT DUE : {$80.00} PAYMENT DUE DATE : XX/XX/2024
Product: Debt collection

On the morning of XXXX XXXX, 2016 I placed a call to Spears, Dewitt and Hall in XXXX XXXX Texas with the intention to resolve XXXX of XXXX accounts and post date a payment for the second account til a later date in the same month. 

The first mistake the collector made was she gathered my routing and account number before telling me there was a {$25.00} fine for processing a check over the phone. I thought that was way to much so I told her I would then mail in my payment. The collector grew angry with me about this so I requested to speak to her supervisor. The supervisor said she would n't wave the fee but would settle the account at {$25.00} less. I told her I did n't want to settle because of how that would affect my credit score. She continued to push me into the settlement. The supervisor also told me that the first account I was wanting to pay that day has already been resolved. I asked for a receipt and I hung up because she continued to push me to get the second account resolved. 

Immediately after my hanging up a collector who identified herself and as a payment processor for the company called back asking for the payment again. The second collector who called back did not state the Mini Miranda before attempting to collect. 

The following Tuesday on XXXX XXXX, 2016 I noticed a missed call from the company on my caller ID followed by a XXXX second silent voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 75 days and again 40 days ago :
Product: Credit reporting, credit repair services, or other personal consumer reports

Don't recognize these recent credit inquiries. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting 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 u.s.c 1681.. Account name ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.. 15 u.s.c 1681 c. ( A ) ( 5 ) section state : 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated contact with a website called XXXX  regarding a puppy under the name of XXXX. They soon sent me a message from text from the phone number listed on the website, but also sent me a detailed email about the puppy. I was charged {$650.00} for the puppy and an additional {$150.00} for the air shipping. I initially sent {$500.00} through the application called Zelle on Friday the XXXX, then sent {$300.00} on Saturday the XXXX, since my daily limit was {$500.00} per day. On the XXXX I received another email from a so called XXXX XXXX from XXXX XXXX ways. They gave me a website to track my puppy as well. They soon said to proceed with the delivery they required me to buy a thermal crate of {$1800.00} and was promised a refund at delivery. However, they then all stopped responding. I was able to trace the photos I was sent by the breeders from other websites. I have phone numbers, screenshots of conversations.
Product: Debt collection

Hello, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX personal loan # XXXX has been placed in collections with malicious intent. The loan was reported to the credit bureau as 30 days late XXXX & XX/XX/2020. The loan was place into collections with XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX after according to Republic Finance being late 30 days. 
The monthly payment on the loan was 280.00. The loan was being paid.
Product: Mortgage

Made a mortgage payment to TIAA Bank on their website on XX/XX/XXXX ; payment XXXX {$2900.00} XXXX was withdrawn on XX/XX/XXXX but insufficient funds so returned to TIAA. Called TIAA to discuss issue with payment on XX/XX/XXXX and was told that the payment will be sent a second time to my bank, XXXX. Everything should be fine. Checked my bank account on XX/XX/XXXX and two payments were withdrawn from my account paid to Everbank ( TIAA ). I had only made one payment on the website. Called customer service at TIAA and was told it was an error on XXXX 's part. I called my banker who informed me that the error was from TIAA and to submit a dispute for the extra payment, which I did. I received a refund of one payment to my XXXX account ( from XXXX pending the dispute ). However, TIAA was showing that I did not make an XXXX payment. My bank account showed that it was withdrawn on XX/XX/XXXX. I called TIAA numerous times speaking to many different customer service reps to take care of the situation. Continued to receive letters and phone calls from TIAA regarding the delinquency of my account. I sent an email to the customer service department with verification of the deduction of my account on XXXX. Never received a reply. Received another call from TIAA on XXXX of delinquency of my account. I called again and explained what had happened. The customer service rep assured me that TIAA third party payor made a mistake and she promised to investigate and get back to me. She called back, informed me that the webpage would show my payment and would be no reporting to a credit bureau. On Friday, XX/XX/XXXX, checked TIAA bank ( still showing delinquent and no payment for XXXX XXXX and received an alert that my credit rating had changed because TIAA had reported my payment delinquent. I received a letter from TIAA that I had a customer service person to support me ... this person has never once answered the phone. Every time I call, another person takes care of the complaint. On XX/XX/XXXX, I check my bank account and the TIAA bank webpage still not showing an XXXX payment. I called TIAA again ... and on the advice of my banker, told them I would send a certified check for both the XXXX and XXXX payments since they had not yet figured out where my funds were. I overnighted the check, sent a letter of which is attached along with the verifications from my bank account showing what TIAA did or did not do. On XX/XX/XXXX, TIAA deducted a payment from my account ( which I did not authorize them to do XXXX. This is almost 30 days after my initial payment was made on XX/XX/XXXX. Hours of phone calls, numerous letters from TIAA bank on the delinquency of my account and a default notice later, this issue is still not resolved. I sent them the bank statements today along with a wire transfer to return my funds and still waiting on that to occur.
Product: Credit card

On XX/XX/XXXX I tried to use my XX/XX/XXXX American Express Reward Coupon at my local XXXX. The Reward Coupon was for a credit of {$130.00} based on my XXXX purchases on my XXXX American Express card during XX/XX/XXXX. My Reward coupon was rejected because it expired XX/XX/XXXX. I was told to call American Express to have it reissued. Today, after calling American Express at XXXX XXXX XXXX XXXX I was told by a supervisor, XXXX, that American Express would only reissue a coupon for 50 % of the {$130.00} because the coupon had expired. I asked, " Did n't I earn all {$130.00} thru my XX/XX/XXXX purchases on the card at XXXX? '' XXXX said " Yes '', but because the coupon had expired, I was n't entitled to any of it and that they would only issue 50 % of it again as a courtesy. If I did n't accept before XX/XX/XXXX, I would not get anything. This seems like a strong arm tactic. I did n't need to use the coupon before yesterday. I need to use it now for our XXXX grocery preparations. American Express is bullying us on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX******************* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. On XX/XX/2021 I sent a certified Letter to Equifax informing them that I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. On XX/XX/2021 I received a response from Equifax stating that they would investigate my dispute. Allow them 30 days to complete it. 

We are now past 60 days- I have no response from them. I've tried contacting them twice to get an update on my dispute and was told Equifax doesn't remove inquiries per customer request. 

This is a clear Violation.
Product: Debt collection

1.I have never had an account with this company Law Office of Jennifer McCoy , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Law Office of Jennifer McCoy the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

IN XX/XX/2023, I WAS MISLEAD INTO BELIEVING I WOULD HAVE PHONE SERVICE IN MY HOME. WHEN RECEIVED MY NEW PHONES AND ACTIVATED THEM WITH MY NEW SERVICE. WE HAD NO SERVICE AT MY RESIDENCE. THE PHONES WERE ON FOR APPROXIMATELY 24 HOURS. I RETURNED THE PRODUCTS TO A LOCAL STORE AND EXPLAINED THAT I WAS LIED TO REPEATEDLY ABOUT THE SERVICE COVERAGE IN MY AREA. I WAS TOLD BY THE MANAGER OF THE STORE THAT ACCORDING TO THE MAP, I WAS CORRECT, THERE WAS NO SERVICE AT MY HOME AND I SHOULD HAVE NEVER BEEN TOLD OTHERWISE. SINCE XXXX, I HAVE MADE AT LEAST XXXX CALLS TO THE COMPANY AND EXPLAINED THE SITUATION. EACH TIME I AM TOLD THAT IT IS RESOLVED AND THAT I DO NOT OWE ANY MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX XXXX XXXX and XXXX XXXX has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Experian. Please delete the following accounts : XXXX XXXX XXXX ( account number XXXX ), XXXX XXXX XXXX XXXX ( account number XXXX ).
Product: Student loan

I have reached out to Nelnet several times to inform them that my student loan, that Nelnet no longer services, is still showing a loan balance on my credit report. This error is making my student loan balance appear on my credit report twice as if I owe double the amount. My new servicer XXXX has it reported correctly. Nelnet has repeatedly placed the blame on XXXX when they are the ones who have the loan reported incorrectly. They directed me to call XXXX and they will correct it. XXXX is blaming the error on Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting you to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX - XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please comply with the Fair Credit Reporting Act section 605b and have the disputed items removed as soon as possible.
Product: Student loan

Applied and Approved for PSLF XX/XX/XXXX Waiting for loan transfers with many calls to Mohela and XXXX to finally be told by FederalStudentAid that nothing could be done until my bankruptcy was resolved. My bankruptcy was dismissed in XX/XX/XXXX. There has been no contact or account activity other than me paying my payments to XXXX. 

Mohela is not helpful and now wants me to apply for consolidation which I already am consolidated.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian opened up my dispute for XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX experian received letter via upload almost a month ago the 30 day mark is near and they are now stating XX/XX/2021 for a resolution. this is a clear violation
Product: Debt collection

OnXX/XX/2016 i called XXXX insurance and told them to cancel my insurance on XX/XX/2016 as i got insurance with XXXX, i called back on XX/XX/XXXX to make sure it was canceled, they told me i had to have my new insurance company send them a letter confirming i had insurance with them. XXXX faxed them a letter and sent me a copy, they still continued to bill me for two additional months after XX/XX/XXXX resulting in this charge.
Product: Checking or savings account

XX/XX/2023 i have disputes on bank of america by my debit card charge many times from XXXX aabout XXXX after that they closed my account and not sent notice or something else after 10 days send letter to mail box and tell my acounnt bank closed and cant reopen in the futher also give me another letter and tell should to give back {$620.00} from that dispute was to asked them about overdraft fee but didnt heard back from BOA Thanks