23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is my XXXX time filing a XXXX complaint about this and this is criminal at this point. The 2 previous complaints are numbers XXXX and XXXX. 

So basically they are illegally trying to collect on a debt that is passed the statue of limitations and are FALSELY stating the amount owed. The court judgment they tried using before is long expired and was never renewed so it is passed the statue of limitations. 

So please stop telling lies that this debt is owed, enforceable or collectable. Everything you have provided so far has been passed the statues of limitations so explain yourselves?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint against XXXX. In regards to my first complaint ( Case Id # XXXX ). I sent XXXX an affidavit of Truth ( sent XX/XX/2021, dated XX/XX/2021 ). I attached two proofs of Id ( photo id, and a utility bill, and a notary attachment, and an FTC report ( # XXXX ). Which is more than enough to verify my identity. However, XXXX sent dispute results ( dated XX/XX/2021 ) saying I need to provide them more information in order for them to act upon my request for them to remove the fraudulent inquiry on my consumer report. Pursuant to 15 U.S.C 6802b ( A ) ( B ) ( C ) financial institutions may not directly or through any affiliate, disclose to any non-affiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies, I did not authorize the inquiry XXXX ( see attachments ). In regards to the collection accounts furnished by AWA COLLECTIONS ( see attachments ) this is a violation of my HIPPA rights pursuant to 45 CFR 164.502 no such entity may disclose protected health information, except as permitted or required, pursuant to an authorization, and agreement, which was not given. I have also disputed the same accounts from AWA COLLECTION with XXXX and XXXX, and both have deleted these accounts. ( see attachments ) XXXX has violated my rights as a consumer and they are civility liable pursuant to 15 U.S.C 1681n. I am demanding they delete all the incorrect, inaccurate, or wrong spelling of my name ( it should match my driver 's license- see attachments ) addresses and employers and delete all the accounts and the inquiry and mail me an updated copy of my consumer report. 

Attachments included 1. Affidavit of Truth 2. Photo Id 3. Utility Bill 4 Certified Mail Recepit 5. certified mail Green Card 6. Identity Theft Report 7. XXXX  Credit Report ( disregard disputed items- personal information ) 8. XXXX  Credit Report ( disregard items- inquiry ) 9. XXXX  Credit Report ( disregard terms- collection accounts ) 10. Copy of dispute results from XXXX 11. Copy of dispute results from XXXX
Product: Vehicle loan or lease

I purchased a new car XXXX in XX/XX/2018 at XXXX under contract with Honda Financial services and with an account number XXXX. 
- During my monthly payment for my car, my credit scores up to XXXX - After that, I paid off my car in earlier of 5 months. When I checked my credit scores, it was dropped to XXXX... 
I don't know why my credit scores going down? please help.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reported accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates. XX/XX/XXXX and XX/XX/XXXX. Im now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer agencies Transunion, and XXXX are reporting inconsistent information regarding the accounts labeled XXXX with account numbers # XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX XXXX on my credit reports. Their reports on these accounts are not consistent with what XXXX is reporting as these accounts are not listed on the XXXX report. Transunion and XXXX are tarnishing my reputation and character with these inaccuracies and their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are showing an outstanding balance on my credit report that I do not owe for   XXXX     XXXX   XXXX . I have reached out to   XXXX   XXXX    XXXX  regarding this account and they indicated that the account was paid off  XXXX / XXXX / 2014 .     I contacted  XXXX   XXXX   XXXX  in my financial counselors ' office and she too heard them confirm my account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Experian about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/2022, Balance : {$380.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Debt or credit management

I opened an account with Tally debt consolidation company XX/XX/XXXX, and the agreement is that they offer you a loan ( Mine was {$10000.00} ) to put towards your selected credit cards, and then they make payments on your behalf with the loan, to said credit cards. In XX/XX/XXXX, the company sent out a notification that they lost investors and could no longer make payments to the credit companies, but they still want payments toward your loan. This of course makes perfect sense, due to the fact the loan was taken out with them. However, they're not willing to make that much compromise on minimum payments, even though they are in breach of their initial contract. They have sent out multiple emails stating that they can help with your financial situation, if you just contact them about financial difficulties. There has been communication about this and has been expressed that the burden to pay their minimum payments, as well as the credit payments to the accounts under the original agreement is very difficult. The minimum payments they require are outrageous as during this time, the interest that they have added is insane, and in XXXX they did not even allow payments to them on their app, which of course made the interest/minimum payment even higher.

What makes this completely illegal is the fact that on your account with them, it still states that your cards are being paid, which they are not, and they are still advertising on their website under the original terms. Their still advertising that they have several investors in their company, still advertising that you can obtain a loan and that your cards will be paid. I wanted to know if the service was still available as such, and I was able to create a new account, again with all of the same terms as promised. I did not complete the process, as I was just trying to see if the company was going to move forward, and they did, under the exact same terms.

I don't see how it's legal for them to submit statements to current accountholders with bogus claims, and then move forward with new accountholders, promising the same debt relief.

Account representatives have stated that if you don't make the minimum payment that they have stated, that the account will be charged off and will have a negative impact on your credit report for XXXX  years. I understand that this is debt that must be repaid, however, I don't see how they can still operate under false pretenses and ruin my credit when they did not fulfill their terms under the original contract. I have not moved forward in resolving a minimum payment plan, nor have I spoken to anyone within the company that I suspect fraudulent activity. I am not trying to get out of paying this debt, I just want them to uphold their original agreement as stated, as they clearly are making false statements to their clients to get out of their own obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate on XXXX report, the " last day active '' is inaccurate on Transunion and XXXX and even the " date of last payment '' is inaccurate on both bureaus. I have disputed this multiple times with Transunion and XXXX and everything has been coming back the same for every time I dispute. I was sent a letter from XXXX which is the account that I have been disputing. I attached to this case, so you will see in the different exhibits that I have tried to rectify this and they keep stating that they have did their extensive investigation. If that's so why is the letter from XXXX giving a different last date active, last date of payment and the open date of this account. This letter from XXXX is actual and factual source. Like I said, the bureaus did not do their due diligence. This is a ground for REMOVAL IMMEDIATELY. The consumer reporting agency have an obligation according to 15 usc 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I also have : 15 u.s.c 1681 section 602 A I have a right to privacy 15 u.s.c 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish account without my written instructions
Product: Checking or savings account

1 ) The bank charged excessive NSF fees by paying a large sum amount rather than returning the large item and paying the smaller amounts. They have done this for years and it is causing a financial hardship. Over XXXX since XX/XX/XXXX. 

2 ) The bank charged me XXXX in service fees since XX/XX/XXXX when there were other options available to me.
Product: Credit card or prepaid card

See attatched USAA statement showing Transactions card XXXX XX/XX/XXXX New Purchase ** I did Not Purchase or Authorize {$120.00} & {$210.00} total New Transactions Added to my account {$340.00}. see attatched FRAUD CLAIM DATED XX/XX/XXXX letter date XX/XX/XXXX {$210.00} FRAUD CLAIM DATED XX/XX/XXXX. letter date XX/XX/XXXX {$120.00} ( THE CREDIT WE DEPOSITED AT THE BEGINNING OF INVESTIGATION * HAVE BEEN REVERSED. ) now see attatched XX/XX/XXXX STATEMENT. ( There are NO USAA CREDITS DEPOSITED XX/XX/XXXX TO REVERSE. XX/XX/XXXX ONLY MERCHANTS CREDITS CREDITED XX/XX/XXXX. ) ****USAA STEALS MERCHANTS CREDITS OF XX/XX/XXXX, & XX/XX/XXXX {$340.00}. ON XX/XX/XXXX. *** HOLDING CONSUMER LIABLE
Product: Debt collection

I was just recently XXXX in XXXX XXXX XXXX and this debt has been included
Product: Student loan

I have several complaints about the way the Federal Student Loan servicers is conducting business, examples are below : XXXX. Making account changes without giving written notifications, their form of notifications is via their application which unless you log in more than a month you would never know of any issues. 
XXXX. Not being notified of payments being due, once again you have to log into your account multiple times to even know there is payment due. 
XXXX. Interest being capitalized on loans, when you are on a XXXX plan or have been in a forbearance where the interest should not be capitalized. 
XXXX. Sent email communication to the company over 2 months ago and have not heard back, call wait times are 2+ hours.
Product: Credit reporting or other personal consumer reports

I've contacted Toyota Financial on a few occasions on this matter. They could not provide me with any information. They were reporting 1 late payment on my account and now they are reporting 2. I advised i never had any late payments. According to 15 USC 1681 I did not give Toyota financial authorization to share my information with these bureaus and they are in violation of my privacy.
Product: Credit card

I want this account to be removed from XXXX closed account XXXX/XXXX/09 with XXXX balance.
Product: Credit card or prepaid card

My Amex optima credit card has been closed by them its not fair when Im a loyal customer they refuse to reopen and closed it without letting me know this account was established to build my credit relationship with them again
Product: Student loan

While enrolled as a Student with XXXX XXXX I was told that in order to maintain my enrollment I needed to take out private loans due to not having enough federal funding available. This has resulted in high private student loans that are piling up and forcing me to have next to no money to live even though I make almost XXXX XXXX a year. Now XXXX each has closed and ran with all the money they received
Product: Mortgage

XXXX a payment attempted to be drafted from my PNC XXXX and I requested it be returned. The same day I made a payment from my XXXX XXXX account XXXX the payment reverses. A deposit is made into the PNC XXXX and the payment is retried and debited from the account XXXX I asked for a positive balance return, rush on dispute, and payment refund. 
The positive return was denied, rush request denied, and payment refund was requiring a statement from XXXX XXXX to return my PNC payment. 
PNC should not care about the XXXX payment when returning the PNC payment
Product: Money transfer, virtual currency, or money service

I XXXX XXXX am requesting my account information for capital one national Bank an requesting my debit card information that way i have it. I can't access what I need to an still not yet been able to do nothing. Does it have to be so aggravating to help me with my information
Product: Debt collection

Disputed age of original debt/default being outside statutes. Company updated from debt collection to XXXX XXXX Account and falsely reported.
Product: Debt collection

I was contacted by Mercantile Adjustment Bureau personnel by the name of XXXX XXXX. The phone call directed to my Aunt house the person left a voice message stating that, this was attempt to collect a debt even, if you do listen to this recording then you are stating that this is indeed '' XXXX XXXX '', and by listening to this message you are confirming of this valid debt, you are formally being notified of a law suit concerning this Debt Please return call to XXXX. XXXX..unquote. This statement is against XXXX, and collection of a debt. This form of collection is illegal, they did not verify if this was indeed my phone number, then they left the message on a family member number letting any information private to me open to anyone with access to my aunts voicemail system. Then they indicated if you listen to the voicemail that you are indicating that you accept this debt and are indeed XXXX XXXX if no contact made on this debt you are formally being notified of a law suit concerning this Debt. What kind of mess is this?? Illegal, Illegal!! Per. fair credit reporting whether original creditor, or collector of debtor, or buyer of debt, you must contact in specified guidelines. I will not be threaten, I know my rights under fair credit laws. Also brutal threats can not be made in attempt to collect a debt. I have yet to see proof of this debt, written notification to review this debt, and account information regarding this debt.
Product: Debt collection

First off, this debt is being reported as more than XXXX collection account on all three major credit bureaus. XXXX alone has this account listed XXXX times. The same account. Same account number. Same balance. I would like this account removed and deleted off of my credit reports. All of them. Permanently. I will file a lawsuit due to illegal reporting
Product: Money transfer, virtual currency, or money service

Was scammed over cash app. I attempted to try and talk to a representative but they all sent me the same generic response. Id like my XXXX back. I was scammed and I asked a refund and they denied it. Horrible customer service impossible to acty have a conversation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX & XXXX is showing this account as open when indeed its an closed account and displaying inconsistent opening date across all three credit bureaus which is a violation according to the FDRA. This is affecting the amount of time that it shall stay on the report and delinquency date.XXXX  has also not updated the statement showing as disputed which is also a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Diversified Consultants dated XX/XX/19 regarding a {$680.00} bill from XXXX XXXX XXXX. I called Diversified on XX/XX/19 to let them know I do not believe I owed this debt. I changed wireless plan from XXXX XXXX XXXX to XXXX and I was informed by XXXX that they would take care of the switch and pay any existing balance on our phone so I was not aware of this outstanding debt. The letter from Diversified stated to reach out within 30 days which I did. Upon learning XXXX did not complete the process and payment was not sent to XXXX XXXX XXXX, I called Diversified back on XX/XX/19 to make full payment. I paid the full amount on this day ; however, I also learned that Diversified had reported this delinquent collection to my credit report. According to Diversified, they made the report to the credit bureaus on XX/XX/19. This was after I spoke with them on XX/XX/19 letting them know I did not believe I owed the bill and would be getting back to them. I asked them to remove this report to the credit bureaus and I was told that I did not dispute the bill when in fact I did call, and they acknowledged, on XX/XX/19 letting them know I did not believe I owed the bill and needed to investigate. Their response was that I did not specifically say I was disputing the bill. I'm not sure how much more clearer my words were when I said I did not believe I owed this bill. Their report was in violation of their own letter and I believe in violation of fair credit reporting act. I am in the process of shopping for mortgage refinance and this greatly affected my credit score and now unable to get good rates for my home refinance. I am also trying to obtain financing for a business venture but again, this will not take place because of this negative report.
Product: Vehicle loan or lease

I went to Lincoln dealership asked the dealer did he participate in truth and lending and I was told yes but after that I was charged a {$3000.00} for a down payment on a credit transaction. Then I was given a fraudulent contract with all kinds of violations on it and I was forced to get separate insurance which is deceptive practices and a violation of the truth in lending! I was also not disclosed about the right to rescission.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain discrepancies in the information being reported on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). This is the second time I reported this issue to Equifax ; however, there is still inaccurate information on my credit report. Under 15 U.S.C. 1681e ( b ), when information is challenged by a consumer, a CRA must in fact investigate the accuracy of an underlying disputed debt between a consumer and a creditor as part of its statutory obligation ( XXXX ) to use " reasonable procedures to assure maximum possible accuracy of the information '' in its credit reports; and ( XXXX ) to " 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 the file. The Acct ( XXXX XXXX  Acct # XXXX ) reported on my credit profile has multiple inaccuracies such as Date Reported, Lasted Date Of Activity, and Payment History. XXXX reported Date Opened XXXX and XXXX and Equifax reported date opened XXXX. The DLA ( last date of activity ) is inconsistent meaning there's conflict that this debt could have been illegally re-aged which is an additional FCRA violations. Date Reported and Payment history are also inconsistent within all three credit bureau. If XXXX has verified the debt and did an investigative then there shouldnt be any misrepresentations being reported on my credit profile. 

Payment History XXXX listed ( NONE LISTED ) Equifax Has history reported XXXX Has History reported Last date of activity XXXXXXXX XXXX XXXX XXXX  Equifax XX/XX/XXXX Date Reported XXXXXXXX XXXX Equifax XXXX XXXX XXXX Falsified credit information can result in a lawsuit and damages resulting XXXX  {$1000.00} per error. I would like an actual investigation, proof/ copy of original contract rectifying accuracy and verifying owe debt or account deleted from my credit profile within 30 of date.By continually reporting erroneous information on my credit report, XXXX is violating Section 1681 i of the FCRA XXXX and ( XXXX ) generally alleges that XXXX failed to follow reasonable procedures to assure the maximum possible accuracy of my information.
Product: Credit reporting or other personal consumer reports

TransUnion has not removed accounts from my credit report that are not mine ( identity theft ). Chatted with XXXX at TransUnion today, she said she would put in dispute, however, TransUnion has done this before and are not investigating properly, just using the XXXX XXXX to do it. The accounts are -two with XXXX XXXX XXXX XXXX , and two with XXXX XXXX XXXX XXXX Neither company can provide an original contract signed by me. This violates my rights under the Fair Credit Reporting Act. I demand these be removed from my credit report! This complaint goes with my complaint id XXXX.
Product: Credit reporting or other personal consumer reports

I called fortiva XX/XX/year> to start my credit protection that I've paid on.in a previous recorded call they told me i could start a active claim in XXXX. They said i couldnt because my account is closed which is a lie my account is open, and i have a attachment from XX/XX/year> email that shows my account is past due no way a closed account could be past due... .they need to start my claim asap to this month. per the fair credit protection act accurate Info should be reported and its not therefore ant fees accrued need to be retracted
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX  - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name XXXX XXXX  - Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account XXXX : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXccount XXXX : XXXX XXXX - Account Number : XXXX Account XXXX : XXXX XXXX XXXXXXXX - Account Number : XXXX Account XXXX XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXXXXXX XXXX - Account Number XXXX XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX Account Number : XXXX Account NamXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - Account XXXX : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Vehicle loan or lease

I made all of the payments required on the loan plus all late fees and they add more payments on the end of the loan. been trying to resolve for 3 months