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

In accordance with the Fair Credit Reporting act US Bankruptcy Court # XXXX has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

NCB Management Services obtained an out of statute debt originated in XXXX and written off in XXXX, more than seven and a half years have passed which precludes the creditor and any collection agencies from reporting it to my credit bureau.

Under the FCRA 15 U.S.C. 1681c -- - an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account. More than 7.5 years have passed. 

That being said, NCB KNOWINGLY and FALSELY reported the " open date ' of the account as XX/XX/XXXX. 

This is an outright lie. 
An intentional lie. 
A willful lie. 
An outrageously ILLEGAL lie. 

I disputed the fraudulent lie through XXXX and XXXX. 

XXXX removed the false fraudulent report. 
XXXX was allegedly provided with false documentation and kept the fraudulent report on my credit. 

This original debt was obtained in XXXX and the car was returned shortly thereafter due to dealer fraud ( and disputed due to dealer fraud which is a separate case in itself ) The first date of delinquency was XXXX. NCB has no documentation showing otherwise unless it is creating false documents to violate the FCRA. 

This also violates FCRA 623 ( b ) ( 1 ), 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) in which NCB had a legal and federal obligation to investigate and remove the illegally reported item and instead, it produced fraudulent documentation, according to XXXX. 

Let it be clear, there is no document dated in XXXX that has anything to do with this debt. This debt originated and ended in XXXX with the return of a vehicle in XXXX and a complaint to the state about this dealer ( XXXX ) for fraudulent financial dealings. 

Any documentation later than XXXX is fake and I will commence legal action against this company if the CFPB does not take action as this is outrageous and illegal. 

If this company is doing this to me, it is doing this to others and I urge it to audit and investigate these illegal actions. The FCRA provides for maximum penalties of {$4300.00} **per violation** in the case of lawsuits brought by the FTC. 

XXXX also failed to properly investigate as required of any Credit Reporting Agency under FCRA 611 ( a ) ( 1 ) ( B ) -- the CRA must review and consider all relevant information submitted by the consumer. 

XXXX was made aware this debt was out of statute and it ignored additional dispute information. It failed to investigate the claim. XXXX XXXX, on the other hand, rejected the false documentation and removed the report from my credit as it properly fulfilled its legal dispute obligations during investigation. 

As such, both NCB and XXXX have caused significant damage to my credit by willfully violating federal consumer credit reporting laws. 

Both should be investigated. 

This out of statute and false report needs to be immediately removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was found in the Equifax hack. I am scrambling to put freezes on my credit. 
Credit aside, the loss of such private, sensitive data is deeply disturbing. It is already unsettling when you look through credit reports and see the data the 3 major credit bureaus have collected on you. Knowing this information is potentially public is extremely worrisome and unsettling.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has been disclosing my personal information to third party entities without having provided me with my right to opt out of such action.
Product: Debt collection

I received contacted by a Mr. XXXX, of Centralized Business Solutions Company at XXXX. XXXX XXXX XXXX XXXX, OH XXXX regarding a XXXX medical debt back in XX/XX/XXXX. He reported that I owed a medical bill from XXXX XXXX in the amount of {$140.00}. I never indicated that I owed this debt, but I paid the amount. However, three days ago Mr. XXXX placed this debt on all three of my credit reports indicating that it was a new and unpaid debt of XX/XX/XXXX. I contacted Mr. XXXX and he refused to discuss this matter.
Product: Debt collection

Complaint for debt accounts : XXXX and Reference XXXX Sequium Asset Solutions , LLC TO : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX  CA XXXX Monday through Friday XXXX XXXX XXXX XXXX XXXX Eastern Time Zone Reference XXXX Pay.Sequium.com XX/XX/year> Several Months ago I contacted XXXX XXXX XXXX XXXX XXXX and asked for them to forgive my debt. They didn't respond. Is this a debt stemming from XXXX XXXX XXXX? It is unclear where this debt is coming from. I noticed that Sequim was unclear in the letter of debt. What can I do if I can not pay this debt. I don't have enough money. Is there a government agency that can help cover this debt? 
Sincerely, XXXX XXXX
Product: Prepaid card

The XXXX gift card originally had a {$100.00} balance. Last year I used the card for a purchase of {$68.00}. Shortly after that I confirmed at XXXX that the balance on the card was {$31.00}. The card says that there is no inactivity fee and that funds do not expire. The card says it's valid through XX/XX/year>. Today I tried to use the card for a purchase of less than {$31.00}, and the seller said there was a problem with the card. I tried to check the balance at XXXX, and the site said there was no record of the card in its system. I called the number on the card ( XXXX ) and the customer service agent told me that she couldn't provide any information regarding the balance to me because the card hadn't been registered, but that isn't possible, because I was able to check the balance previously. Regardless, nowhere on the card does it say that the card must be registered in order to receive balance information. The card says, " For customer service account information : XXXX XXXXXXXX. ''
Product: Credit reporting or other personal consumer reports

I am trying to get a loan but Equifax is not allowing creditor to pull credit. Ive sent over current address, and trying to understand why this is always an issue. Lenders are telling me theres a fraud alert or my Equifax is frozen. I call Equifax and they say it is not.
Product: Credit card

I was unknowingly enrolled in discover cards payment protection service since XX/XX/2009. I kept seeing the charge randomly on my bill and thought it had been a required service since I 'm positive I had never signed up for it. I researched it today and found out that they had a lawsuit against them for this service. I called discover and voiced my concern about feeling taken advantage of because I 'm fairly poor. They kept telling me the best they could do was reimburse me for six months. I 'm not satisfied with six months because they 've been charging me for this service for eight years now. They kept insistining that 's the best they could do. I feel really taken as a tale of at this point and hope there is something I can do.
Product: Prepaid card

The {$50.00} gift card I got for XXXX is not usable. It is from a company called vanilla.gifts.com ( Visa ) and I did some research on it and it is a very bad company scamming people. I tried to use the card over the weekend and it was invalid. I checked the card and 4 numbers on the card are missing and the code had been scratched off but the packaging wasn't tampered with. I have tried calling them and I can't get anyone to answer. All of the reviews I read about XXXX are all telling the same story I am facing. The card is missing numbers, it's not valid and you can't get it fixed through the company. The website does not give you an option to file a complaint. I spent 4 hours on the hold and no one would answer. Doing some investigative research- I found out that I'm one of MANY MANY MANY people who are experiencing this issue. I'm a XXXX  mom and I really needed that money and now I'm not going to get another XXXX through the fraudulent company, the person that gave it to me is out {$50.00} and I didn't get a XXXX present that I can use. Buyer beware!!!!! This is a really bad company XXXX  off consumers and there doesn't seem to be any way to fix it. 

Click this link to see all the reviews of this company and all saying the same thing. How has nothing been done?!!!!!! 

XXXX XXXX XXXX XXXX
Product: Debt collection

i received copy of credit report. at the time of this debt i was incarcerated and could not have debt. address on original bill was never my address
Product: Mortgage

I am a resident of California. I had received notice from my mortgage company XXXX XXXX XXXX XXXX that my home was being foreclosed on with a sale date in XXXX. In XXXX of XXXX I applied for a loan modification for my home mortgage. CMG confirmed they received my loan modification package and postponed the sale date until XXXX XXXX, XXXX. Since applying for the modification I have contacted the XXXX XXXX on a regular basis : at least once a week, sometimes more and have provided all documents they requested. Currently no decision has been made on my account and they have not removed or postponed my sale date. I understand that a sale date held concurrent with a loan in the process of being reviewed for modification is illegal in California and called dual tracking. This dual tracking has continued throughout the processing and review of my my application and XXXX XXXX refuses to acknowledge that this is illegal and remove my sale date.
Product: Debt collection

I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and Transworld Systems. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX, XXXX, or Transworld System. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

it's my right to have accurate items reporting on your credit report and Equifax and XXXX  have not done that in two months
Product: Credit reporting or other personal consumer reports

XXXX - XXXX Last updated XX/XX/XXXX Balance {$530.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current BalanceXX/XX/XXXX Monthly Payment - Original Creditor XX/XX/XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone Number XXXX XXXX - XXXX Last updated XX/XX/XXXX Balance {$170.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current Balance XX/XX/XXXX Monthly Payment - Original CreditorXX/XX/XXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXXXX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone Number XXXX Remarks XXXX for collection XX/XX/XXXXXXXX Last updated XX/XX/XXXX Balance {$650.00} Account Details DEROGATORY Account Type Collection Account Last Account Activity XX/XX/XXXX Open Since XX/XX/XXXX Ownership Individual Current BalanceXX/XX/XXXX Monthly Payment - Original Creditor XX/XX/XXXXXXXX Payment Details Payment status Collection/Chargeoff Contact Information Lender Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone Number XXXXXX/XX/XXXX XXXX Credit Limit Current Balance {$300.00} {$470.00} Credit Utilization 159 % Account Type : Account Status : Open Since : Last Account Activity : Credit Card Closed XX/XX/XXXX XX/XX/XXXX XXXX - XXXX Credit Limit Current Balance {$0.00} {$1300.00} Credit Utilization 0 % Account Type : Account Status : Open Since : Last Account Activity : Credit Card Closed XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXXXX Credit Limit Current Balance {$20000.00} {$24000.00} Credit Utilization 120 % Account Type : Account Status : Open Since : Last Account Activity :XX/XX/XXXX spending credit card Closed XX/XX/XXXX XX/XX/XXXX Inquirer : XX/XX/XXXX XXXX Reported on : XX/XX/XXXX XXXX : XXXX Reported on : XX/XX/XXXX XXXX : XXXX XXXX Reported on : XX/XX/XXXX Inquirer : XXXX Reported on : XX/XX/XXXX
Product: Debt collection

On XXXX XXXX, 2016, I checked my credit score and noticed an unusual downfall from a XXXX to a XXXX score. Under the factors affecting my score, a negative debt collector was listed. I contacted XXXX and was notified that a debt collector by the name of Afni Inc. reported a delinquent account. I investigated further into this matter and have filed a dispute with XXXX and XXXX to remove this from my credit report. 

Afni is claiming in a debt collection notice that I owe XXXX an outstanding {$370.00}. However, my XXXX account has been paid in full and closed in good standing. I have a letter confirming of this information dating to XXXX XXXX, 2016. Along with speaking to XXXX, I have been informed that my account with them has never been sent to a collections agency which puts into question the validity of Afni Inc. 's claims. When speaking to Afni on the phone to resolve this issue, the telephone attendant was in full swing of harassing language and would not adhere to my concerns or confirmation that XXXX has already been paid. Therefore I was not able to resolve or dispute this debt on my behalf resulting in this debt to be reported to the credit bureaus and negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife opened a credit card on line with my name and used the XXXX credit XXXX did not tell me until we got divorced. XXXX she used my checks to pay the credit bill so bank is telling me its my problem I need to have e removed it is causing a lot of problem for me. Its still with XXXX bank not a collection agency. XXXX account was over XXXX XXXX XXXX. Should be deleted. Hope u can help Resolving this major problem I m having. Tyx in advance.
Product: Debt collection

Cedars business services erroneously sent me a collection for an account on behalf of XXXX XXXX, reference number XXXX, creditor account # XXXX ( XXXX ) for an amount of {$270.00} on by mail dated XX/XX/year>. 

I contacted the XXXX XXXX department of a 3rd party service I subscribe to called XXXX  to XXXX call Cedar Business Services to help me straighten out this issue, since I have never been to nor ever had any account with any public storage in my life, and they admitted on a recorded call that it was a mistake on their end and they agreed to nullify the collection account on that call with my aura representative who was on the call also speaking on my account. 

The issue is although this collection account was taken care of that day, it still has not been removed from all 3 credit bureaus, and on each one still shows the dispute pending.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

For the following companies. 
XXXX, XXXX, and Experian I am writing to inquire about the recent request for my credit report, which was conducted by your company. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may provide a consumer report only for certain permissible purposes, one of which includes when a consumer has authorized it.

I would like to request that you provide a written explanation of the specific permissible purpose under this statute for which my credit report was accessed. Please include any relevant details about the circumstances surrounding this request. 

If this request was made without my prior consent or without a valid permissible purpose, I kindly request that you take appropriate action to rectify the situation in accordance with the FCRA. 

Please respond within 30 days of receipt of this letter. If you have any questions or require additional information, please do not hesitate to contact me at the above address or phone number. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota Financial Services showing late payments on one of my accounts when in fact we have never been late and have paid extra each month. We have bank statements faxed to them to prove it. We also have monthly statements from Toyota Financial Services showing no lates during the period in question ( XXXX, XXXX, XXXX of XXXX ). They are using XXXX math and tricks just like XXXX XXXX XXXX did. ( see FTC vs XXXX XXXX XXXX ). They admitted their mistake on the phone. I want the CFPB to investigate Toyota Financial Services on their business practices on how they report on all their customers to the XXXX  Credit reporting agencies. I feel I 'm not the only one they have hurt. Their mistake cost me XXXX points on my credit score. Contract monthly payments are XXXX. We pay XXXXmonth to help pay the loan off faster. They told me they REMOVED a XXXX XXXX payment since we were paying extra and that caused a " cascading effect ''. You ca n't " remove '' a payment a customer has already paid.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

1. Dorough & Dorough, ( D & D ) ( debt collector ) was fired by the XXXX XXXX and ordered to cease and desist all efforts to perform all services effective immediately. However, D & D ignored the cease and desist order, and filed an illegal garnishment and Writ of Fifa against me during the cease and desist period. ( Refer to attached exhibit 1 page 2 paragraph # 13 ). 
2. Refer to previous response by D & D to CFPB complaint # XXXX submitted on XX/XX/2021. 
a. D & D denies the allegations in my claim. However, refer to attached exhibit 1 ( letter from the association board ) as support that D & D was fired and was under a cease and desist order when they illegally acted and issued garnishment and Writ of Fifa. 
3. D & D agreed via a legal settlement document, signed XX/XX/2021 on behalf of the XXXX that the judgement and Writ of XXXX would be removed consistent with the agreed settlement schedule. The settlement agreement has been satisfied and D & D has reneged on the settlement agreement. To date the judgement and Writ of Fifa has not been removed. ( Refer to attached exhibit 2 XXXX signed agreement and Exhibit 3 Proof of Payment ) a. In addition, D & D agreed in writing to my counsel on XX/XX/2021 ( refer to email below ), that the release of the Writ of Fifa would occur once assessment payments through 2021 calendar year were satisfied. These 2021 payments have been satisfied.
Product: Mortgage

My ARM rate increase on XXXX caught me by surprise. I did not receive any notices while the bank had my current mailing address, email, and telephone number. With the online account management, there was no notification documents there. Monthly statement on XXXX was too late as a notice required by my rate change agreement, and the rate change was inappropriate without notice. 
Worse yet, all of XXXX, the " current rate '' was misleadingly outdated. I refinanced on XXXX after learning about the increase from the statement in the middle of XXXX, and I paid .625 % higher rate for XXXX full month and 22 days in the payoff month. It does not add up with my " current rate '' updated only in XXXX My payoff included the principal balance and a full month of increased interest, and I was only refunded six days if interest.
Product: Credit card

after an XXXX I apply for capital one secure credit card and used it for about XXXX and they retricted my account twice for no reason after I called for the second time I paid off the bal and the lady told me she would refund my money in ten days, they have made two other dates for refund and are just liars I am on a fix income and I need my money in reasonable amount of time after two billing cycle is not reasonable what does that mean 60 days 62 days or XX/XX/2020
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX