23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is against XXXX XXXX XXXX. I have no contract with this XXXX XXXX debt collector. They also never notified me in writing and if they did please provide evidence that you notified me before parking this on my consumer report without my consent. You are in violation of the FCRA/ FDCPA if this account isn't removed/ deleted from my consumer reports I will pursue suit and remedy to a federally protected consumer. Account number listed on my consumer report is XXXX I have never done business with XXXX XXXX XXXX delete this from my consumer reports. I am also questioning the account balance lIsted that I owe on my consumer report shows a balance of {$400.00} how did you verify this amount? please provide your method of verification under the FDCPA. ALSO why is the original balance a different amount? I also have the right to privacy I need this deleted/ removed because I never gave you consent to furnish this on my consumer report and if I did where is the evidence? You are also reporting inaccurate and incomplete information why are there payment terms of 1 month on this collection account by the name of XXXX XXXX XXXX? Why is the date opened being reported as XX/XX/XXXX? Why don't you have any payment history for the months of XX/XX/XXXX? XX/XX/XXXX? XX/XX/XXXX? If this is a collection account how can you put a status of " COLLECTION ACCOUNT. {$400.00} past due ''? I have never opened an account with XXXX XXXX XXXX remove and delete this immediately. Why is there a date opened? I have never opened an account with XXXX XXXX XXXX and if I have where is the evidence that gives you the right to report this on my consumer report? DELETE REMOVE IMMEDIATELY and send me an update under the FCRA and FCDPA regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights to privacy. 

15 U.SC 1681 Section 604 A. States I have rights 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy with XXXX in XX/XX/2020, they removed it from my consumer report. Then, I used the XXXX letter which confirms that case # XXXX has been deleted to dispute the bankruptcy with XX/XX/XXXXXX/XX/XXXX and Equifax. I asked the credit bureaus to contact XXXX to verify the DELETION. XX/XX/XXXXdeleted the bankruptcy.XX/XX/XXXX and Equifax keep claiming the bankruptcy has been verified with XXXX and the US Bankruptcy Court XXXX. I received a letter from the US Bankruptcy Court XXXX and they don't report to credit bureaus. Also, I sent comparison factual dispute letters along with the XXXX and US Bankruptcy Court letter to XX/XX/XXXXand Equifax. They refuse to delete the bankruptcy. I have provided documented proof of the deletion from XXXX and confirmed with the US Bankruptcy Court, they don't report to credit bureaus.
Product: Credit card or prepaid card

On XX/XX/21, I was immediately charged me for XXXX products totaling {$79.00}. I never received these products and nor were they ever shipped. I was told to email XXXX party vendoXXXX XXXX and XXXX for a refund. NO phone number & NO address. I have emailed XXXX & XXXX numerous times with NO response. This company is in the XXXX XXXX. I can't believe they were given my information!! I'm a retired senior citizen. I closed my account due to this. I would like my money back. Also, there are numerous complaints about this same situation from other consumers. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my car was totaled in an accident. Upon my insurance paying XXXX  ( the loan originator ) their portion of payment it left a balance owed. When I lost my job due to Covid, I renegotiated my auto contract to lower my monthly payments to {$99.00} beginning XXXX, XXXX. They gave me up to and including XX/XX/XXXX to make my final balloon payment. To agree I had to make all payments ACH debit payments automatically from my bank which I did. I have made payments from that XX/XX/XXXX through XX/XX/XXXX of {$99.00} direct from my bank without issue. In XXXX  I receive an email stating to contact XXXX XXXX XXXX, the company who took over XXXX. They said I was behind on my payments to the 3 credit bureaus over 30 days. I sent a dispute to all 3 credit reporting companies along with bank copy of my payment they state is behind and a copy of my contract. XXXX  Is suddenly changing my terms without notice and with only 2 payments remaining stating I only had until XXXX. They have charged me two late fees on my remaining balance. I contacted them via email and attached copies of my contract showing where I was agreeing to pay through XXXX  of this year. I stated that I would not pay late fees as I made my usual payments that cleared my bank in XXXX  and XXXX  and I would make my two remaining payments XX/XX/XXXX & XX/XX/XXXX as my contract agreed to. I have divided my balance less the late fees into two payments of {$150.00} each and will be closing this loan. They have posted that I have a late payment on all 3 credit reports ruining my credit dropping it 43 points due to their reporting information. I want it removed off my credit reports, as it is not true and I have made pmts as agreed each and every month and I want to pay it off as agreed in my contract by XX/XX/XXXX and be done with this terrible nightmare. Disputes on Experience and XXXX lead to no change. Whatever XXXX is reporting is not true. They are stating my deferment ended on XX/XX/XXXX and my loan matured XX/XX/XXXX which is not according to the loan contract I signed attached to this complaint. Ive made all my contracted payments on the XXXX  and they have not reported a problem with any of them until now demanding my loan paid in full and reporting XXXX  and XXXX  as late payments. I am attaching proof I paid as agreed from my bank.
Product: Debt collection

On XX/XX/XXXX, a process server came to my house to serve me with court papers. Someone at my house answered the door and the process server from XXXX XXXX XXXX shared that the suit contained a debt I owed for Ford Motor Credit. That was the only way I was able to figure out that I owed this debt. I called Ford Motor Credit and they transferred me to XXXX XXXX XXXX in regards to my debt. After explaining it was for my lease I explained I will pay for the debt. At that time the representative on the phone advised that as long as I put my checking account on file and make 8 payments of XXXX they would suspend the legal actions and no one else would come to my house and try to serve me with court documents. On XX/XX/XXXX, the same man came back to my house and disclosed the information again to a person at my house and stated they will just leave the paperwork with her next time. This is after we already came up to an agreement and my first payment to come out on Monday XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There has been 13 hard inquiries done on my credit report without my permission within the last two months. I have had to call two specific dealerships to request that they stop running my credit after they had turned me down for vehicle purchases. XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX are the two dealerships in question. I have received duplicate denials from the same companies such as XXXX, XXXX XXXX just to name a few.
Product: Credit reporting

hi i have XXXX unauthorized inquiry my report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX I DID NOT authoriz I asked trans union to remove or investigate the issue they Refused to do so and i also asked the XXXX to remove it as well no replay from them so i would like to file a complant on Transunion file number XXXX to have this removed from my report as a citizen it my right to have this removed and would like to have this removed there is a X by the area is this copy thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

l noticed 3 inquiries on my credit report .l dont recognize them XXXX XX/XX/XXXX Syncb XXXX XXXX XXXX th XXXX XXXX XXXX XX/XX/XXXX l found those 3 inquiries on mycresit reports l tried many to tell them l never applied for a credit card or a loan for over 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two weeks ago, I reported an account that does not belong to me to Discover, and the FTC identitytheft.gov report for the amount of about {$3900.00} dollars. This account is fraudulent, and Discover has not sent me any communication regarding this issue, and they have not removed this account from the three credit bureaus.
Product: Credit card or prepaid card

There are 2 purchases I made with my Discover card that I have tried  at XXXX to dispute with the company and I will not be paying off this amount on my card. 

The Ist charge was made with XXXX. XX/XX/2019, I made a charge with XXXX for a stay in XXXX XXXX for an event I was having. I had never been to XXXX and therefore relied on XXXX 's expertise by providing the address of location of the event and trusting they were providing the location of the event closest to the event center. After the payment and within 5 days of submitting our location to the event center, we were notified that the location was not with 3 miles that  XXXX had claimed but it was 40 minutes and since most events were going to be leaving at XXXX in the morning, it would be impossible for us to attend those events as this was not even in the city so no taxes exist but in the countryside. We contacted XXXX and they refused to issue a refund saying ee only had 24 hours. Never minding they were the ones that deceived us letting us know the location was a few minutes from our location and not the 40 minutes. It wasn't even in the  same village!. We contacted XXXX but they refused to reverse the charg

e. The cost of this unused reservation was {$940.00}. The other charge was for XXXX XXXX. This company was a company in disarry. All charges were made timely and promptly. When they failed to deliver a dumpster   costing us in over {$800.00} in labor costs, which we then required them to pay. They refused. instead they terminated the dumpster they were supposed to bring in then submitted a fake overweight charge of over {$420.00}, which was more than the cost to even hire one dumpster to begin with. We then  filed a dispute with XXXX. 

Both disputes failed even when common sense should have prevailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect reporting of my name by trans union and XXXX credit reporting agencies has cause me alot of hurt and pain even though i have provided both agencies with copies of birth certificate, social security card, and utility bill, also my check stub, and the two agencies listed above continue to report incorrect information in my file such as. 
XXXX. Trans Union reporting ( XXXX XXXX XXXX XXXX ) which is WRONG. the correct spelling of my name is ( XXXX XXXX ) which is correctly. 
XXXX. XXXX reporting ( XXXX XXXX XXXX ) which is WRONG the correct spelling is ( XXXX XXXX ) 3. I ONLY NEED MY CORRECT ADDRESS XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union refuse to validate student loan debt on consumers report, XXXX has finally followed the law, but Trans Union, ontinuously put information on my report that is not XXXX XXXX  accurate/valid.XXXX  in particularly, Ive disputed the allegations, charges occured in XXXX i was under the legal age XXXX to consent to any open credit. XXXX can not or has not provided the proper documentation to collect iff of me ; they used false information claiming I owe them, using my identity to collect interest payments or some sort ; i gave never made a payment to this company, false information ; provide evidence showing i made any payments to XXXX, XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) are required by federal law to verify through physical verification original signed consumer contract bearing, i demand to see original proof of my authentic signature agreement w/wet ink ; otherwise anyone can create a bill statement and say i owe them ; If XXXX cant not provided this the must remove XXXX account ; not following law can result in penalties and criminal charges ; negative/invalid information on my credit report ; violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX.Trans union fails to follow the consumers laws XXXX XXXX has used my identity and say I owe them, false information, false representation of character amt, false representation that one is vouched by XXXX ; XXXX has also be saying late payments on one bureau but on time on another, all information is false ; XXXX has removed the invalid information i need all bureau Trans, XXXX to follow the law
Product: Checking or savings account

Bank of America. My spouse had accounts we them. XXXX XXXX XXXX XXXX. He is now deceased. I also had accounts with the Bank of America. We lived at XXXX XXXX XXXX XXXX VA. I now live at XXXX XXXX XXXX XXXX VA XXXX.
Product: Checking or savings account

I have just been informed that I can not open any bank accounts. I have not been involved in any fraudulent matters pertaining to any bank account!! Please please please help me out with this matter
Product: Credit card

I have a XXXX  charge card to XXXX XXXX through XXXX Bank. I owed XXXX I lost work due to winter and I could not pay. I asked them to close the account as to which they will not do and have charged me so much interest and late fees due to them not closing the account that I now owe {$340.00}. They keep charging me almost {$100.00} per month in late fees and interest. The limit on the card is only {$200.00} and has not been used for a very long time. I want the account closed and to settle on the amount as I asked them last month.
Product: Credit reporting or other personal consumer reports

These are my repeated attempts to convey that I've fallen victim to identity theft. I'm raising concerns regarding certain entries in my documents resulting from this crime. These entries have no connection to any transactions I've initiated or approved for acquiring goods, services, or money. If there's indifference, I request the removal of any information related to alleged fraud or extortion from my credit record. 
XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past several years I have been in contact with the agency to report the account as being opened fraudulently by my ex husband who I have formally brought charges against for the financial, emotional, and physical XXXX I endured during the marriage. I've gone as far as asking for the supposed " contract '' they claim I signed and what they sent me wasn't even my correct name. I've disputed the account on every credit bureau available to me. They still refuse to help clear my name, credit worthiness, and validity as a victim of financial abuse by removing the fraudulent account, further traumatizing me and ultimately delaying my ability to obtain the financial support I so desperately needed to escape my XXXX. I've included some of the documents I receive on a regular basis regarding the charges I have taken out on my XXXX  to further solidify my identity as a victim of abuse in many forms, financial abuse being one of the many.
Product: Credit reporting or other personal consumer reports

Ive been making regular payments to my XXXX XXXX XXXX  and they have been reporting me deliquent and affecting my credit negativity. Ive been contacting the card company and they refuse tk help me instead they have closed the account and put my account as delinquent. Included in the attachments are screenshots from my babk account of the payments that have been made.
Product: Money transfer, virtual currency, or money service

I had a cryptocurrency account with Binance.com ( located in XXXX ) since late XXXX and was was instructed to transfer my cryptos to other Exchanges by XXXX, XXXX XXXX because they were discontinuing service to their US accounts. I set up a Binance.us account and transfer XXXX XXXX cryptos into this account in XX/XX/XXXX. In XX/XX/XXXX I logged into this account and found my XXXX account had a XXXX balance but my deposit and withdrawal history proved that the balance should be XXXX XXXX tokens ( see attachments ). After several emails I informed Binance.us that I would request the Government Agency FinCEN to help me recover the XXXX cryptos. I got an immediate response requesting two weeks to restore my XXXX cryptos. After 10 days, I checked my account and found XXXX XXXX cryptos in my account. I also found that all of the deposit and withdrawal history had been removed from my account. This was very disturbing and I moved these XXXX cryptos to an off site wallet. On XX/XX/XXXX I requested their assistance to recover the remaining XXXX XXXX crypto, but as of this date I have not received a reply. The attached file contains all of the emails to document my request for your help. Your assistance in this matter is greatly appreciated. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XXXX, XXXX XXXX XXXX XXXX  to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been requested to verify incorrect account information reported by the XXXX XXXX XXXX/USDA. They have continued to report this account after a number of requests for the verification documentation and I am yet to receive this information. I have requested this documentation several times and they continue to report this account as verified but no verification documentation has been provided. I have also contacted the XXXX XXXX XXXX/USDA via email and phone and have not received a response in a number of attempts to get a detail of the amounts of refunds that have applied to the balance and to obtain a current detail of the account balance. This has been ongoing for a number of years and I have been subject ot offset since XXXX and have not once received any document to show how the funds were being applied. I have no idea of what is in fact owed on this account. Experian claims to have verifed the account but has not shared with whom they verified or provided a copy of the documentation. I submitted the most recent request on XX/XX/XXXX and as of XX/XX/XXXX, there is still no response.
Product: Credit card or prepaid card

I have a TN Way2go Child support card. I have not received a child support payment since XX/XX/XXXX as the custoldial parent of XXXX children. During the last year while the support has been in arrears my card expired, XX/XX/XXXX. I attempted to get a replacement but was told there had to be {$5.00}. On the card to get a replacement. Finally on XXXX XXXX a payment was made to the state for my child support. Wednesday XX/XX/XXXX I called customer service for the card and I explained my situation. I was transferred to the card replacement area and was on hold for over an hour. I was at work and had to hang up. Nobody ever came to the phone. On XX/XX/XXXX at approximately XXXX XXXX. I called back and was again transferred and after approximately 45 minutes to an hour my call was answered. It took another hour to get my address updated. I was told it would take 7 to 10 days to get a replacement. After having waited almost a year for support that was not sufficient. I was told I could pay {$10.00}. Plus the {$5.00}. Card fee to have it expedited within 4 days. I agreed. It is now the XX/XX/XXXX and I have not received my card.I have called 2 times both transferred and placed on hold. The last time was an hour and a half and nobody ever picked up. This is my money intended for the care and support of my children. The fact that I am being charged to use my child support is bad enough but this is not expedited and I am sure I will still be charged. The wait time is completely unreasonable. I work and have XXXX kids. I do not have hours at a time to sit on hold and the length of time it took to communicate the one time I was able to speak to someone was unacceptable. This money is in extreme arrears and this company is holding it hostage. I need my card and due to the lag in time I most certainly should not be charged. Is there a number to contact someone without hour and a half hold times where my card situation can be resolved. As of right now I have waited almost a year and I have finally received a payment, and for almost 2 weeks have not been able to gain access to it. This is completely unacceptable and terrible practice. I am a captive audience and have no choice but this bank knows this. At what point are they violating banking or commerce practices when I am not able to use my support. This needs to be resolved.