23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I monitor my credit report constantly. On XX/XX/2018 I sent a letter of validation to the company called CBS Collections in XXXX, LA asking for proof that I have a debt with the company. They send a piece of paper with my name typed and a dollar amount stating I owed money. I submitted a complaint XX/XX/2018 about this company on Consumer Financial Protection Bureau and receive invalid response stating there is no company with the name. There is no occupational license for operation for this company in the state of Louisiana. I have no acknowledgment of this account and ask for removal from XXXX and XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

After receiving a copy of my XX/XX/year> consumer report I noticed inaccurate personal information.
Product: Credit reporting or other personal consumer reports

I have called several phone numbers at Experian and I am unable to speak to a live agent at ( XXXX, XXXX, and XXXX ). I noticed for the following hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not listed as auto loan. I was shopping for the best rate regarding auto loans. Thus said I was only supposed to lose XXXX point regarding my FICO score.
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. 

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. 

Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$13000.00} DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. I have evidence to prove my case. 
Account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}
Product: Checking or savings account

I have tried to connect my PNC bank account to several different financial services all of what use XXXX  on the back end. Every time, PNC blocks the connection. other bank accounts with other banks that I have do not exhibit this issue, and XXXX has made it clear that PNC is deliberately trying to block their access. The same is true for work that my company has done.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to TRANSUNION about the reported unauthorized inquiries and fraudulent account on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed a fraudulent closed credit card account in the amount of {$430.00} from XXXX XXXX XXXX. I reached out to the company around XX/XX/2020 and advised them that this is not my account and that I am a victim of identity fraud. XXXX XXXX XXXX  replied that since they are the original owners of the account that they don't have to validate the information. I mailed a FTC identity theft affidavit to XXXX XXXX on XX/XX/2020 and they still refuse to remove this fraud account. I disputed this account through the credit bureaus and they responded on XX/XX/2020 that they were able to validate the account but did not provide me with the validation or any proof that this account belongs to me.
Product: Payday loan, title loan, or personal loan

I inadvertently made two {$1000.00} payments to Chase on my Personal Line of Credit ( 1 ) on XX/XX/2022 and the second on XX/XX/2022. When I discovered that I " double paid '' I looked up my account online and saw that one of the payments had posted to the LOC at Chase and my balance was now just over {$7200.00} ( I have a {$10000.00} limit ). 

I intended to just transfer that first {$1000.00} back to my XXXX checking account - where it was paid from, but although they had posted my payment to the principal - the DID NOT make those funds available to me. I immediately contacted Chase this morning @ XXXX and spoke to CSR : XXXX in the XXXX, and XXXX told me that " because no payment was due at the time I made the payment online through Chase, they are not releasing the credit until my next due date which is in XXXX. 

So Chase has taken ( both ) my payments but will not make those funds available to me until my next payment due date. This is very wrong. Don't I have certain rights under Regulation Z and possibly E? Crediting of payments and availability of funds on an electronic transfer? How about XXXX???? There is nothing in any disclosure that states they will not make funds available until the NEXT payment due date.
Product: Checking or savings account

My name is XXXX XXXX I have called in for my grandma about her claim dispute status for XXXX for payment {$10.00} and for payment {$160.00} and the agent told me for the payment {$10.00} a credit was insured for it but for the payment {$160.00} they was requesting 4 documents and I told him me or her cant provide the documents they need so they can process the {$160.00} claim and I told him that she have ordered something but the XXXX cancel the order and banned her account for no reason and when I contact them and she contact them by phone they told me and her they cant uban the account or issue a refund for the {$160.00} and {$10.00} we will have to contact the bank to dispute it and when I contact them back and she did too they told me and her they issue a refund for both payments but never I need yall to investigate the claim for {$10.00} and investigate the claim for {$160.00} and process a permanent credit for {$160.00} and {$10.00} her ssn is XXXX to look up the account information for the checking and saving account I dont know the accounts numbers you can contact me at XXXX etc her name is XXXX XXXX etc.
Product: Debt collection

Sequium Asset Solutions. LLC. 

Sequium Asset Solutions , LLC. is attempting to collect a debt that does not exist with XXXX. 

Further, XXXX XXXX XXXX, XXXX. is breaking the law under the Federal Credit Reporting Act ( FCRA ), overseen and enforced by the Federal Trade Commission ( FTC ). Sequium Asset Solutions , LLC backdated the Collections Account entry to my Credit Reports for XX/XX/XXXX ; however, the collections account was entered into my credit profiles on XX/XX/XXXX, and I had not received written notice of potential debt or any information pertaining to negating said debt. 

Today, XX/XX/XXXX, I received a letter from Sequium Asset Solutions LLC., dated XX/XX/XXXX informing me of the proposed debt. 

The Fair Credit Reporting Act ( FCRA ) protects consumers from this practice in two ways. First, it requires a creditor to inform the consumer when it is reporting negative information about you to a CRA. Second, it limits the amount of time negative information can remain on your credit report. When debt buyers fail to inform a consumer that it has reported the debt to a CRA or falsifies dates in order to park old debt on your credit report, it is breaking the law. 

Sequium Asset Solutions , LLC. has violated the Fair Credit Reporting Act ( FCRA ), which is illegal.
Product: Debt collection

I requested documentation about their account such as signatures and statements. I advised this is a fraudulent account, please update records accordingly and remove from my credit report. A fraud report was provided in XXXX and the item was removed and then added back to my account once again. I have since updated the identity theft report once again.
Product: Checking or savings account

My checking account with TD Bank shows TWO withdrawals that I didn't make : {$380.00} XXXX XXXX  on XX/XX/2020 {$800.00} XXXX XXXX   on XX/XX/2020 I w

ent to the Bank and reported a claim for this, the bank sent me 2 letters stating that they have completed the review of the complaint and the investigation determined that fraud did not occur. This answer is because the bank is saying that the PIN number was used on both withdrawals. I insisted that I didn't make those withdrawals and they sent me to the police. I went to the Police station and made the report, unfortunately the bank couldn't give me the exact location of the ATM where the money was withdrawn  from for both transactions, they only gave me one location where the {$380.00} was taken from, without the exact location of the other withdrawal of {$800.00} the police can not investigate or get videos. The police said that the bank should be the one investigating all of this and try to locate the videos from those ATM machines since I am telling them that I didn't do the withdrawals or that I didn't authorize them. My card was lost that day and obviously someone had access to it. I need to know who took money from my account specially since the bank is saying that they used the PIN number.
Product: Mortgage

I have a loan that was purchased by loan depot. A temporary construction loan meant to be refinanced as soon as the house was built. Loan Depot has been the worst lender I have ever dealt with. I went into forbearance in XXXX of XXXX when I lost my job due to the COVID-19 pandemic. I changed careers and got back to work and tried to get into a loan modification in XXXX of XXXX. Loan Depot took 4 months to give terms of the modification and the terms are completely unacceptable. They left the interest rate the same ( 5.5 % - even though prime is closer to 3 % ), they did not remove PMI ( even though there is $ XXXX in equity in the house ), and they actually INCREASED the monthly payment rather than reduce it. I called and countered with better terms and they said take it or leave it. 

THEY THREATENED MY CREDIT SCORE IF I DID NOT ACCEPT THEIR OFFER! 

$ XXXX is too much and I can not afford that. 5.5 % interest is USERY! They will not work with me at all. Loan Depot is the WORST lender I have ever worked with. I need help. Can anyone help me? 

Loan Depot also took 4 months to give me the terms of the modification, but counted that time towards my total forbearance time. So, I can not even get that 4 months back or added to my forbearance.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED AN FRAUDULENT INQUIRY THAT DO NOT BELONG TO ME. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft Police Report and False impersonation was filed with local police department XXXX  For Deceptive Collections Practice False impersonation. All verified and certified original documents sent to all 3 # Credit Agencies. And all 3 # TransUnion, XXXX, XXXX have not complied with the FCRA nor the CFPB.And a result of these agencies neglection to abide by federal law guidelines, I have dealt with denial 's, of bank 's, Home loans, and business credit lines do to the rogue ness of these agencies.Knowledge of these fraudulent Verified Accounts where found XX/XX/XXXX and I personally started to contact all 3 # agencies with my findings and correct information XX/XX/XXXX identity theft Cpbf FCRA and Police reports where certified and express mailed to all 3 # credit agencies neglection. I continued to follow up from XX/XX/XXXX to XX/XX/XXXX with certified mail of cease and desist letters police reports Cpbf reports and identity theft reports. Failed to complied. All documents are certified and copied of all activities with TransUnion, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports from Transunion, XXXX and XXXX. I noticed a late payment on my XXXXXXXX XXXX line of credit. That show a late payment on 3 different monts. On XX/XX/XXXX on Transunion. XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX. I was never late on this account on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I've provided a screenshot from XXXX XXXX XXXX account, that shows the inaccurate late payments. Im asking that the CFPB investigate this and ask the credit bureaus to provide proof, in with statements, that these payments were late on the days reported. If they can not provide proof of this. Im asking that this account and payments be updated to paid as agreed. Thank you for your time. The screenshoot of the inaccurate payments are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letter back in XXXX then again in XXXX but no changes this is destroying my life. There are too many loopholes and stategies in the system I am XXXX citizen Father of XXXX who works extremely had for everything I have today. This Collection was placed months ago but with work and not monitoring the credit I didnt Know of it. I believe this could have been onXXXX of my fellow family members using my information but I personally never lived in New york. This account is not mine simple, information on the account is the following : XXXX XXXX Date opened : XXXX XXXX Status date : XX/XX/2021 XXXX charge account-collection
Product: Credit card or prepaid card

I had a prepaid card, and I put my own money and, I never get any credit besides my own money, now they report to the credit bureaus that I have to pay more than {$800.00} dollars which is unlawful, I have a rights and please help, because this bank is reporting that Im an delinquent, I see this irrelevant and frivolous and must remove from my credit and update the information.
Product: Payday loan, title loan, or personal loan

I signed up for the loan over the phone, I feel tricked as I did n't understand how much interest I would end up paying. I initially borrowed XXXX dollars, at the end of the loan I have paid nearly XXXX in 6 months. On XXXX XXXX I emailed the company stating I would no longer be paying interest on a loan that has been paid plus XXXX in interest. I recieved no response until XXXX XXXX when they took an additional XXXX from my account plus the monthly payment.
Product: Debt collection

I C System is unable to provide proof of debt. Or validity of orginal account.
Product: Credit reporting or other personal consumer reports

This is the 3rd request! This is not a request to verify the account please see the LAW, YES THE ACTUAL LAW below : In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX or 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.

Lasty Equifax and XXXX  asked for my ID and address so please see the attached requested doc 's in the uploaded forms sections. My ID has everything asked for on it.
Product: Credit card

As a consumer in enforcing my basic consumer rights. I have a right to redress. I have a right to be informed. I have a right to be heard. I have a right to service. My right to service is my right to contract. My equal credit opportunity act is being violated. By truist bank. By not allowing me the consumer the right to service. Thats discrimination of age. Not allowing me to contract is informing Im a minor. I have sent legal documents of a power of attorney. By Florida law. Im allowed to be an agent to the principal. Which the principal is owed interest. Im acting on behalf of the principal. To collect all interest owed to the principal.
Product: Debt collection

XXXX XXXX of Attorney XXXX XXXX office has repeatedly called and harassed family members asking for my contact information, even after I have left several messages not to contact anyone, or to contact me at work or my cell phone # for a debt I allegedly owed. I asked for validation of the debt and no response. They continue to ignore my requests and I am not sure what else to do make them stop. I am concerned they will continue to harass family members, friends and continue calls to my place of work.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX I ordered a motorcycle accessory from XXXX XXXX, a company in XXXX. The payment was through Pay Pal. I have never received the merchandise and I get a run around from Pay Pal. 
Order # XXXX Pay Pal transaction # XXXX Merchant transaction # XXXX When I try to contact the merchant, I get a request to buy the same product again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was asked to correct my name on XXXX. As well as allow my credit report to pull to ger a mortgage one a home. Equifax combined one of middle names and my last name together. It stopped me from buying a home. Equifax ask me to send my Drivers License ( A Real I.D was provided and a copy of my Social Security Card which I did via fax to XXXX. I received a notice that Equifax on XXXX had closed the dispute. Their reason was as follows : Please see attached Documentation. 

XXXX has no way to speak to anyone at all. They will also not allow my mortgage company to pull my report. They stated to mortgage lender that I have no credit file at all. The only two options they provide are hang up or self-service. The Self service from does not allow me a resolution at all. 

XXXX however was very easy to work with if you pay for their monthly service of course.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed the residence address shows an old address from XXXX XXXX, FL. I called and asked about where the information came from. I was told XXXX. I XXXX the old address and saw there are new apartments where I used to live back when I was living in XXXX the first time. The second address where I lived at in XXXX is not even listed. I attempted to bring this to the attention of XXXX XXXX XXXX at XXXX XXXX via email. I am not sure if I guessed the right email address. I am not sure if whoever is " suggesting '' something or " suggesting '' I am to do something. This is one big "  technical glitch ''.
Product: Debt collection

XX/XX/2018 calls started calling for a XXXX XXXX ..He has not owned this number for over 3 years and no matter what I tell this company they will not stop, they are rude on the phone I was hung up on 6+ times just asking for a supervisor to get the calls to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of EDXXXX violated the United States Code Law. As detailed in 15 U.S. Code 1666b, 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. 

In XX/XX/XXXX, I received notification that my credit report had XXXX late payments reported from the Department of EDXXXX XXXX This was the first time I was aware of payment being required as the Department of EDXXXX never sent me communications via email, postal mail service, or via telephone that payments were due on the account. When I soon got notice of the account, I began making payments on all XXXX student loan accounts immediately. I continued payment on all accounts and in XX/XX/XXXX I paid off all accounts successfully. I submitted hardship letters to the Department of EDXXXX requesting they grant me a Goodwill Request as the XXXX late payments hindered and continue to hinder my approval to buy a new home, and from being approved for new lines of credit. This has caused me to face many hardships. 

The Department of EDXXXX has continuously refused to not respond to my letters and has violated my rights as a consumer. 

Please consider this request.