23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a multiple issue report on Greentree Servicing. Greentree purchased my personal loan from XXXX ( despite me paying XXXX every month ) and has been terrible ever since. The XXXX call I ever received from them was a threat to go to court, despite having never heard of them or being aware that XXXX had sold my loan to them. Past issues with them include them directly lying to me about filing for a deferment that they suggested because I was short on work that XX/XX/XXXX so they said they would give me a deferment and I would n't have to make a payment in XX/XX/XXXX ( this was request was never even filed by the representative ) and recently filing one for two months, and telling me that it was for two months, but it only being approved for one month and no communication of the arrangement being changed until they began calling me asking for the payment that I was n't supposed to have to make. They call every couple of hours from XXXX different numbers ( XXXX in XXXX, XXXX in XXXX ) within ten to twenty minutes of the other call. This company is terrible at working with borrowers and make you feel threatened and belittled at any chance.
Product: Credit reporting or other personal consumer reports

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - ( original creditor ) XXXX- was previously removed. This account was deleted and they reinserted it without notifying me 5 days prior to adding it. This account is in violation according to U.S. 1681i ( 5 ) ( B ) ( II ) ( iii ).

Also under 15 U.S. 1681b - permissible purposes of consumer reports. I never gave Transunion, XXXX or XXXX consent to report anything on consumer reports with my name attached to it. No consent is FRAUD and is a violation. 

This must be removed and can not be readded EVER AGAIN!
Product: Credit reporting or other personal consumer reports

reetings. 
For several months now, I have disputed several accounts that should not be on my consumer report. Some were deleted due to furnishers removing them because they were breaking the law, while Equifax- kept sending negative responses, despite my repeated attempts. Every response is archived in my CFPB portal and I also have several physical mail responses documented. 
I now seek remedy for all the damages incurred with credit denials and insanely high interest rates in credit cards. 
Attached below is - An affidavit of truth, pre-arbitration letter, arbitration letter and invoice for the bill of particulars. Tragic it had to come to this.
Product: Credit reporting or other personal consumer reports

I was checking my experian consumer report an noticed that XXXX  account XXXX  is reporting late payments which is a violation of my rights under the FCRA 15 usc 1681 A ( d ) 2 ( a ) and 15 usc 6802 I have attached documentation that show account is in good standing and I would like the late payments removed and account updated
Product: Debt collection

Re : Notice for Proof of Claim Account : COMMONWEATH FINANCIAL SYSTEM D45736 XXXTo Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or  agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the accounts below : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I reviewed a copy of my Equifax and XXXX credit reports where I noticed an account that is reporting inaccurately. It is showing misleading information, since it is showing the account as Paid/ Paying as Agreed but has late payments listed in the history. This misleading data is causing great harm to my credit score and its detrimental to my financial well being. I contacted each bureau by mail and phone to have them correct the issue, but they have not done anything. As I am aware by researching, these inaccuracies on my report are a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT. And it also fall under 15 U.S Code 1666 ( b ) billing error. 
Equifax and XXXX are violating the following FCRA law by reporting this inaccurate data : : Misleading False Reporting : This account is negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX compliant. Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. These bureaus are violating multiple FCRA, FCBA laws and i want them to correct this inaccurate data as soon as possible because it is detrimental to my credit score, which is causing me great stress to me and my family and affecting our ability to grow financially and obtain a home loan.
Product: Debt collection

I used to live at the XXXX XXXX XXXX in XXXX, FL. I was laid off from my position and on unemployment. I tried to work out a payment arrangement with the property management team. 

However, this was not possible I even tried submitted a payment for the rent for the month of XX/XX/XXXX but since it was late and eviction had began it was given back in XX/XX/XXXX and I left the property. I never received an itemized bill of debt remaining all I was told was I owed the balance of rent which then was XXXX because they kept my security deposit which was greater than the balance of rent. Later I learn there were two filings on my credit reports one from Residential Data LLC and one from National Credit Audit. both claiming I owe them {$3600.00} for the same property. I found out these are the same company. XXXX XXXX has been assisting me to get this off of my credit. National Credit Audit was removed from XXXX  and so was Residential Data LLC. 

When looking up First Advantage NCAC # XXXX or National Credit Audit is states it is a creditor I didn't borrow money from them. I have no idea what the account number is this is what is on the credit report. I never received any paperwork outlining the balance due. Years ago I received a blue paper with an amount due of {$3600.00} I didn't even know what the bill was for and when I called they said you owe this money. 

In addition XXXX  removed the Residential Data LLC claim then National Credit Audit now known as First Advantage NCAC came on and every attempt to have it removed has failed. XXXX  keeps stating the company says the record is accurate. I was living in a hotel in XX/XX/XXXX not the XXXX XXXX XXXX. I have no idea how this company came to the amount they are asking for. In addition, XXXX  is not helping. Last year I tried to file but it was impossible to up load documents to the website. I just tried again. I found another discrepancy on my credit when disputing it with XXXX  I was confronted with the same information even when I pointed out it was wrong it didn't matter. I had to go to XXXX XXXX XXXX and show them the item and yes they apologized and it was removed. I can't got to this fake company because they just say " we are right '' without any proof. This is frustrating. 

Since XXXX I have worked hard I was able to rent with the same property owner from XX/XX/XXXX until XX/XX/XXXX often paying my rent before it was due. But that does not matter because this huge unjustified claim has been filed against me. In addition the date is wrong thus it will not simply fall off my credit in XXXX but XXXX on my credit unit XXXX of XXXX. I thought that if the information was wrong it had to be removed.
Product: Credit card or prepaid card

Last XX/XX/XXXX I paid off my Citibank card for the last time. I always paid my balance in full by the due date and never carried a balance on this or any other credit card in 30 years. After I made the XX/XX/XXXX payment, for the full balance, I canceled the card and destroyed it as instructed, so I don’t currently have the card number.However, Citibank's phone workers ID numbers XXXX, XXXX, and XXXX (who gave his name as XXXX), were able to pull up my account from my name and date of birth. Citibank claimed that my payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX or XX/XX/XXXX, depending which phone worker was talking to me. They also said a late fee could be waived as a courtesy, but they never offered me this courtesy when I phoned about it months ago after receiving the first statement with a late fee on it (and no purchases, because I had canceled the account). Every month they add another late fee on the late fee, and interest on the late fees, and now I’m told the balance, which I paid to XXXX in XX/XX/XXXX, is now over XXXX Two of the phone workers told me only one late fee could be waived, even though the subsequent ones are bogus, based only on the first late fee. However, they won’t waive the first one that caused all the others.XXXX told me he had a supervisor, but refused to escalate my call to that person.As I see it, this whole scheme is fraud on Citibank's part. There may also be negative consumer credit reporting related to this.
Product: Debt collection

TransUnion kept reporting an unverified debt that I did not owe against me. Particularly, TransUnion refused to delete an unverified collection filed on my credit profile by XXXX XXXXXXXX XXXX. I was not responsible or privy to the underlying collection. XXXX XXXXXXXX XXXX reported the same inaccurate debt information on other Credit Bureau Companies such as XXXX and XXXX. When I noticed the inaccurate debt information on my credit, I requested validation and subsequently disputed the debt. XXXX and XXXX deleted the debt from my credit account when it was found inaccurate and unverifiable. However, TransUnion refused to delete the inaccurate debt information from my account hence, this complaint. Therefore, I believe TransUnion is taking the reporting of the erroneous debt information personally against me. Please compare other Bureaus ' credit reports with TransUnion.
Product: Mortgage

I was given a deferment during covid. I ended up paying it off and then was offered a forebearance. I did not need it so I did not accept it. They processed it anyway and took out more credit on my already maxed out HELOC and then said I owed them this additional money that I never used or approved of. I was never able to speak to anyone about this issue despite me calling at least 100 times over the past 3 years. No one can explain what happened but they are still charging me for this " deferred interest '' along with multiple other charges that no one can explain to me. I got behind on my payments again and because they were reporting me as being late to the credit bureau, I was not able to take a loan out to catch up on my payments. They claim that payments that are in dispute are not owed until the dispute is finalizes but then I get served with foreclosure papers unless I pay {$8700.00} which includes the deferred interest along with my payments that I fell behind on plus their lawyer fees for the foreclosure. I ended up curing the delinquency and now they refuse to provide me with any written confirmation that my house is no longer in foreclosure or that my delinquency has been paid. All I have is my receipt from the branch of payment which is not sufficient because I keep getting harassed by people wanting to buy my house or save it from foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

It his report is past the seven year time line and was told it would be removed from my credit file two years ago
Product: Payday loan, title loan, or personal loan

Interest rate too high and payment.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Please update the status of this account asap : Capital One XXXXXXXX Date opened XX/XX/2017 XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

XXXX XXXX {$220.00} ( Unauthorized transaction ) This person watched me put in my pin and stole my money. 
I contacted company and followed procedures.It shouldn't take that long if a customer constantly says transaction was unauthorized XXXX XXXX $ XXXX Merchandise was not received. 
I requested a right to refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my credit report of which i do not recognize. I have submitted all necessary documents including a police report. The 2 accounts in question are below. 
XXXX. XXXX XXXX XXXX 2. XXXX XXXX XXXX According to the FCRA 605B these items must be removed within 4 days I do not recognize the adresses below and would like them removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX I demand these accounts / items are removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/ XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXXXXXX Inquiry XX/XX/XXXX XXXX  XXXX Inquiry XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX ' XXXX Inquiry XX/XX/XXXX Unathorized Inquiries need removal asap.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX - XXXX XXXX - XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I used my PayPal XXXX credit card to purchase XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Those items were never received. On XX/XX/XXXX I opened a dispute with PayPal, which they refuse to refund and closed without resolution on XX/XX/XXXX. I am reporting fraud, in that the system will not allow me to escalate further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit dispute with Experian on XX/XX/2021, to remove inaccurate information on my Experian Credit Report. I provided a copy of my XXXX Credit Report that shows they removed the Bankruptcy because they were unable to verify the accuracy of the record. 

Experian responded on XX/XX/2021 that they did not remove the item from my credit report. 

I am requesting that the inaccurate information be immediately deleted from my Experian credit report.
Product: Vehicle loan or lease

I bought a car from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX formally located at XXXX XXXX XXXX, XXXX XXXX XXXX is no longer in business as of XX/XX/2023. 
I reported with west lake financial they said they will try to get the title it has been 8 months to almos 9 months and they dont give me no answer the car have expired tags I cant drive it like that, I went to the XXXX and they said that is like the car doesnt exist, I call west lake they dont give an answer and they even hang up on me I paid {$870.00} every month plus {$200.00} for insurance for the car to be just park, I cant even refinance the loan with another bank because there is no title, I dont know what to do because west lake just said that I have to make the payments and I return it it will ruin my credit. Please help me, I even taking XXXX XXXX XXXX XXXX because I feel like there is no help in my case.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this alleged and erroneous account currently being reported by the credit bureaus for XXXX XXXX XXXX. This isnt my first time disputing this alleged account and the time previously it has come back verified with no proof or no notification of what method of verification was used. Also the account shows inaccurate information. The spelling on this account is XXXX XXXX. My name is XXXX XXXX. As per the FCRA Section. 609 and/or Section 681 the information on my consumer report must be 100 % accurate. As the misspelling of my name on this alleged account created by XXXX  is incorrect and is being furnished to the credit bureaus ( all three ) is causing a negative impact on my reputation. Also the invasion of my personal and private affairs by XXXX XXXX XXXX seems to be a violation of consumer rights as well.