23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received several collections on my credit report and disputed it because I have no idea where they came from. I asked for verification in the form of a document that would say I am assuming responsibility for the debt. RMP Services I have 8 accounts active. I would think it was the credit agencies job to verify accounts but no they just keep parroting whatever RMP says and verifying it or telling me to talk to them. I just need to see whatever I signed whenever I supposedly authorized these services. They are saying they already sent it but my mailbox was broken into. They stole a debit card and used it for {$1600.00}. They also stole any mail I had. I have a police report if you need to see it. I just need these accounts deleted immediately. 

RMP Services LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount {$45000.00} on the US DEPT OF ED partial account number ****XXXX and a collection in the amount of {$38000.00} on the US DEPT OF ED partial account number ****XXXX. ( Please see page attached from my credit report. ) The balances reporting are absolutely incorrect. On account ending in ****XXXX the credit limit was {$13000.00} and now the past due balance is being reported at {$45000.00}. On account ending in ****XXXX the credit limit was {$10000.00} and now the past due balance is being reported at {$38000.00}. This false reporting of collections is seriously harming my credit score and these accounts need to be taken out of collection status and the account balances need to be reporting accurate information! Please update and/or remove these line items from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that you delete certain items from my credit report. I understand that you have furnished information to credit reporting agencies regarding my account, but I never gave you permission to do so. As such, I believe that your actions violate federal law, specifically 15 USC 6802 ( b ) and 15 USC 1681b ( a ) ( 2 ).

Under the Fair Credit Reporting Act ( FCRA ), companies are only permitted to furnish information to credit reporting agencies with the consumer 's explicit permission. By furnishing information without my consent, you have violated my rights under the FCRA. Furthermore, this constitutes grounds for identity theft under 15 USC 1681c-1.

I would also like to draw your attention to 15 U.S Code 1681a ( d ) ( 2 ) ( i ), which requires that credit reports contain information solely as to transactions or experiences between the consumer and the person making the report. By reporting information that was not authorized by me, you have also violated this provision of the law.

As a result of your actions, my credit report has been negatively impacted. I request that you take immediate action to remove any unauthorized information from my credit report. I also ask that you provide me with written confirmation that you have done so within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Account Name : XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX
Product: Credit card

Comenity ( bread financial ) is only credit card I have which does not display on their statement whether Auto Pay is active on the account. The problem is even after setting it up on the account it may not be effective for many reasons including their unexplained reason it disappeared. I believe their motive is to have cardholders pay their balances earlier than required or double pay if transactions cross. Your assistance is requested to remedy this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I most recently had a chance to review the documents sent to my attention on XX/XX/XXXX. Based on the information provided, I disagree with the statement and decision that the case was settled and closed by Consumer Finance and XXXX XXXX. I have done a side by side comparison of my customer account activity statements that were received XX/XX/XXXX, and XX/XX/XXXX. These documents do not match. 

Example of discrepancies. 
On one set of customer account activity statements received XX/XX/XXXX, there are two fees  applied on XX/XX/XXXX of {$730.00} for : a. One fee is for Hazard Insurance b. The other fee is for Escrow advance On the other set of customer account activity statements received XX/XX/XXXX, there is only one fee applied on XX/XX/XXXX of {$730.00} for : a. Hazard Insurance Dispersement There are also several {$25.00} fees listed on the customer account activity statements received on XX/XX/XXXX that are not reflected in the customer account activity statements received on XX/XX/XXXX. 

I will be taking legal action on this matter. You can also see a copy of some of the discrepancies attached. This issue goes back years.
Product: Debt collection

Integrity solution service 's license to collect a debt expired in XXXX and they have been reporting on my credit report inaccurately since XX/XX/XXXX of last year on my XXXX report
Product: Prepaid card

I have a Dasher Direct Card powered by Payfare and I filed a dispute on XXXX for unauthorized charges by a merchant called XXXX totaling {$300.00}. On XX/XX/year> my dispute was denied and I immediately requested the documents used in determining the outcome but the refused Twice. Ive filed multiple complaints trying to get these documents they used from XXXX. There is no documentation that is the problem which means they wrongly denied my claim.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and the last four digits of my Social Security number are XXXX. I have already contacted the credit bureau to inform them that some of the accounts listed are not mine and that others are inaccurately reported. I provided my correct home address, which is XXXX XXXX XXXX XXXX, XXXX, IL XXXX, and requested that they update their records accordingly. 
Additionally, they continue to report a Chapter XXXX bankruptcy that I have asked to be removed. I also requested a letter of verification to confirm that these debts belong to me and that the reporting is accurate, but I have not yet received a response. 

In according with the fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Names are below : Remove the following address please they are not mine : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX Please remove the following accounts : Remove 30, 90 day late payment : Account XXXX Remove 30, 90 day late payment : Account XXXX Remove XXXX, 90 day late payment : Account XXXX Remove 30 day late payment : Account XXXX Remove XXXX, 90 day late payment : Account XXXX Remove XXXX, 90 day late payment : Account XXXX Remove this account. No other credit bureau is reporting this, this is not mine. Account XXXX This is not my account please remove account : XXXX Please remove account XXXX XXXX XXXX  XXXX this states that its 90 days late but it does not have XXXX, XXXX 60 day late so how can I have 90 days late. This is not my account please remove. 

I looked at my credit report on XX/XX/year> and noticed something s are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 usc 1681 ( E ) ( B ) And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) general if after any reinvestigation under paragraph XXXX of any information disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and realized that are a couple of inaccurate information regarding late payments on my credit report. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 


Dept OF ED/XXXX  Account # - XXXX I am absolutely certain that the item is incorrect and asking that you please verify to have these accounts deleted from my credit reports so I am hereby exercising my rights under FRCA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. FCRA 611 ( a ) ( 6 ) ( B ) states that upon request, you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to, the business name, and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher.
Product: Debt collection

Company is not licensed to do business in the state of MD. Please provide license for the state of MD if licensed. Company claims to be a debt collector. Please provide information on who debt was being collected for and proof debt was being paid. Vacate foreclosure and return all money due. According to the Truth and lending, Predatory Lending, DODD Frank until thorough investigation is completed, I've received letters claiming the are the alleged servicer. Please provide information on whom you are servicing and/or collecting/collected a debt for. Meanwhile I will be paying my taxes and insurance. Please provide information on whom property was supposedly purchased from and what legal interest they had in the property.
Product: Debt collection

They will call about 5-7 times a day which includes them blocking their number ( unknown number ) as well as their different numbers. They will also leave 1-2 XXXX a day and continue to call.
Product: Credit card

Refer to the attached documents. I want the bureau to initiate an investigation into these accounts where I am never late, yet they are reported as such.
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 XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't 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 adverse item of information, other than records of convictions of crimes which 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 aren't even in compliance with metro 2 credit reporting.
Product: Checking or savings account

On XX/XX/XXXX around XXXX, I went to car wash to vacuum inside of my car. I swiped my card and it didnt work, I tried my other card it didnt work. I tried again and it went through I did not think nothing of it, no obvious signs of tampering. I vacuum my car for about 5 minutes and leave, I get home and I get a notification XXXX $ declined XXXX  XXXX XXXX, then another one XXXX $ transaction XXXX  XXXX XXXX. I immediately open my app and see XXXX $ was stolen from my account. I filed a dispute immediately, I checked my XXXX  card I had also swiped and 2 transactions were also tried on that card. I contacted Branch twice before I got my response on my dispute. I get a email your dispute has been denied because it looks like I was involved, unique identifiers were used and its just bogus and outrageous. There has been multiple fraud attempts. This bank that I trusted with my school funds that get deposited for my career and future, declines my dispute of fraud. XXXX $ is not a small amount and this needs to be resolved.
Product: Checking or savings account

I placed XXXX orders with online merchant XXXX on XX/XX/year>, XXXX cancelled my orders. I contacted Cashapp to have the pending transactions cancelled and Cashapp, said they cant help until XX/XX/year>, I need and have a right to my funds as soon as my orders were cancelled.
Product: Payday loan, title loan, personal loan, or advance loan

Loan total balance wont go down and yet Im making steady payments. I dont understand. It keeps accruing interest so the balance never goes down. I got a loan for XXXX at the beginning of XXXX and my payments are XXXX every pay. They only allow so many deferred payments and continue to take money at a percentage of 624.9999 % and it ridiculous how much they take. The loan should be paid off but the balance is {$910.00}!!! Even more than the loan amount itself and I got the loan in XXXX!
Product: Debt collection

In accordance with 15 USC 6805, this complaint is being submitted to the Consumer Financial Protection Bureau for enforcement and action to be taken against the financial institution being complained against, Consumer Portfolio Services d/b/a New Roads Auto Loans. I am writing to make a complaint pertaining to their handling of vehicle financing under the Securities Exchange Act. There is evidence of Securities Fraud and Tax Evasion. With reference to my promissory note and certificate of indebtedness, they received a CUSIP Number from the Treasury and engaged in trading activities on the secondary markets. According to the XXXX form recently dated on XX/XX/2024, XXXX XXXX XXXX XXXX XXXX is named as the trustee and XXXX XXXX XXXX XXXX, named as the Chief Executive Officer.
Product: Debt collection

Sent my collection information to a friend by email and also another email that is close to my email but slightly different. Very pushy and threatening people.
Product: Credit reporting or other personal consumer reports

For example, to decide whether a school discriminated against a person, XXXX often needs to reveal that persons name and other personal information to employees at that school to verify facts or get additional information. When XXXX does that, XXXX informs the employees that all forms of retaliation against that person and other individuals associated with the person are prohibited. XXXX may also reveal the persons name and personal information during interviews with witnesses and consultations with experts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Regional Office will contact you if it needs more information about your complaint. If you need to communicate with XXXX or submit additional information regarding your complaint, please do not reply to this message. Instead, please direct your correspondence to the above office. 

We recommend that you print a copy of this message and retain it for your records. 

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

There is a widespread problem across the automotive industry of not staffing their customer service centers. They have attempted to use automation for customer service inquiries, but sometimes it is important to speak to an actual person. The core problem is that these businesses are having customers wait between 30 minutes to 2 hours on hold. to speak to a customer service agent. .This is egregious on their part, the wait time should be 15 minutes or less. Customers do not have time wait for 30 minutes to 2 hours, this appears to be a veiled tactic to discourage customer to dispute charges or to resolve loan/lease issues in a timely manner.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Detailed Verification Information Dear Experian, I am writing to formally request verification details for items in my credit report that I previously disputed and that you have marked as verified. These items include : XXXX XXXX XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I request the following information for each disputed item : The method of verification used during your investigation. 

The contact details of the furnisher of information, including their name, address, and phone number. 

Copies of any documents or records used to verify the accuracy of the disputed items. 

A detailed record of the investigation steps, including communication records with the data furnishers. 

Having previously disputed these items under 15 U.S. Code 1681e and 15 U.S. Code 1681i, I now formally invoke 15 U.S. Code 1681o to request compensation for any negligent non-compliance with my rights. Additionally, I demand compensation under 15 U.S. Code 1681n for any willful non-compliance as outlined by the FCRA ( see attached documentation for reference ). 

If you can not provide verifiable documentation for each item, I expect these disputed items to be promptly deleted from my credit file as required by law. 

Please consider this letter a formal and time-sensitive request, and I look forward to receiving your response within the legally mandated timeframe.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I made a purchase of {$7200.00} under a 12 months defer int from XX/XX/XXXX to XX/XX/XXXX I pay {$2500.00} I make a new purchase XX/XX/XXXX and XX/XX/XXXX of {$100000.00} under a 60 months waived interest equal pay I was concerned about my monthly payment and i ask the agent from XXXX XXXX what my monthly payment will be like she told me all my new balance of {$100000.00} will be consolidated in one for the 60 months waive interest equal pay with a minimum payment of {$1800.00} I agree because i could pay that per month. I continue to make my regular monthly payment up to XX/XX/XXXX when my balance change when i make another purchase under the 60 month waived interest equal pay. To my surprise they charge me interest for in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX totaling {$1800.00} they claim that my first loan of {$7200.00} expire in XX/XX/XXXXand its accumulative for 12 months plus interest on the balance for the other months that was not the case of the agreement of consolidating my balance into one on a 60 month equal pay I am not suppose to pay no interest they are totally dishonest and i need my interest charges removed please.
Product: Debt collection

I sent NELNET XXXXffidavit of Truth and a Invoice. 
They are in violation of : 15 Us Code 1692j. ( a ) 15 US Code 1692g. ( b ) 15 US Code 1692e. ( 1 ) ( 9 ) ( 10 ) I have invoiced {$5000.00} for these violations to NELNET
Product: Credit reporting or other personal consumer reports

I own a chain of XXXX XXXX XXXX. I recently went to open a new location. When I filed out a new merchant request.. I was told I was Matchlisted for Laundering. The Matchlist, which XXXX owns, and PNC placed me on was a blind process. On XX/XX/year>, our credit card stoped processing at two different locations. We tried to call credit card support, and no one could tell us anything. A few days later, PNC sent letters out saying we were no longer their customers. I met with my local bank contacts.. they could tell me nothing. No one knew anything. Finding out that I am on this list has tarnished my reputation with my Franchisor. I run a legitimate business. No one ever came to my house or sent me letters. That includes revenue agents or FBI. There is no way to tell you are on this list unless you apply for Merchant Processing and get denied. No search database is available. I have been able to open EINs, and established new entities. But no where would I find myself on any list. This seems unfair. PNC never told me what exactly happened to flag my business. Im not sure if this was a computer algorithm? But finding out in this manor when Im about to open a new business is just unfair. We have done nothing wrong. How can XXXX maintain this list without any accountability? Please let me know the best way to navigate these giants of industry. If I had something to hide.. I certainly would not try and reach out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is STILL reporting two inaccurate charged off XXXX XXXX XXXX credit card accounts on my credit reports after numerous disputes. Both XXXX  and XXXX  have removed these accounts on the basis that the debt is NOT MINE, however they claim they have " verified '' the debt and account with the creditor. How are you going to verify the debt if it's not mine? The current charge off amounts are {$5600.00} and {$5900.00} all the way back from 2014. They have not furnished any proof whatsoever that the debt is in fact mine and continue to hold down my scores and from obtaining future credit. I will most definitely be taking legal action if they do not immediately remove these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave my bank information over the phone to a woman collecting money for XXXX XXXX  XXXX XXXX XXXX card and then she didnt process my payment after she said she would. I asked to close the account and she transferred me to her supervisor, hung up and said thats weird and that she didnt hang up or transfer me yet. After it happened again I left it at that, assuming that she processed that payment like I asked her to. I had my doubts and then the next day I got a notification from Trans Union saying that there was a late status on the account. Not only did that first American representative not process my payment, she reported me to the credit bureaus, this after I have received no mail from XXXX or XXXX XXXX, and after I attempted to pay it. She was mean and told me I didnt know how credit cards work EVEN though I cooperated and gave her my information. We naturally didnt have a great interaction, mostly because of her bullying behavior. I have a XXXX XXXX and I thought I was doing really good with it and I try so hard to limit my stress but this gave me days of XXXX  and XXXX episodes. It should be against the law to go beyond your job duties like this and trample on human beings you might actually like, lying to yourself that, oh well, you dont make any difference, because you definitely do. Oh yes you do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAUS AND CAPITAL ONE. I AM A VICTIM OF IDENTITY THEFT, IN XX/XX/2019 CREDIT CARD WAS OPENED IN MY NAME ( ACCT NUMBER XXXX ), AND CAPITAL ONE ALLOWED IT. THIS HAS BEEN AFFECTING MY REPORT NEGATIVELY AND I HAVE SUBMITTED POLICE REPORT, FTC REPORT SIGNED AND NOTARIZED, DISPUTES, MY LICENSE, SOCIAL AND PROOF OF ADDRESS. CAPITAL ONE HAS IGNORED MY REQUESTS FOR DISPUTES, PROVIDED ILLEGAL VERIFICATION OR VALIDATION OF THE DEBT. AT THIS POINT I AM WILLING TO GO TO COURT TO LITIGATE THIS MATTER AS I AM A VICTIM OF IDENTITY THEFT AND THIS COMPANY REFUSES TO ASSIST BY REMOVING THE ACCOUNT OFF MY CREDIT REPRTS ( ALL THREE BUREAUS ) I AM REQUESTING REMOVAL IMMEDIATELY OTHERWISE I WILL BE LOOKING FOR COMPENSATION FOR EACH VIOLATION AND EACH DAY THAT IT AFFECTED ME. I WILL ALSO BE FILING A COMPLAINT WITH THE FTC AGAINST CAPITAL ONE, STATE ATTORNEY GENERAL, AND XXXX.