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

This is my second written request to remove an account that was opened fraudulently, your company has previouly removed this account but now you are riposting it again by FCRA you can not report an account you previously removed without a written note an proper verification of this account section 604 and 609 a b, I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file IC3 FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX {$210.00} multiple times with equifax. Equifax has failed to verify or validate this debt that they are inaccurately reporting on my credit report.
Product: Debt collection

I have a major complain concerning lack of flexibility which exists in corporate structure, more specifically XXXX. After 22 years of marriage on XXXX XXXX, 2014 I was ejected out of the residence I used to live and asked to never return. The XXXX bill was under my name at that time and I kept a very meticulous payment cycle each month. I kept on making payments for several months, even though I was not the recipient of XXXX services provided to the property I was ejected from. I called XXXX several times to have them to either close the account or just transfer the statement to reflect the estranged husband 's name who was indeed receiving XXXX services. Which ever way I tried to reason with XXXX explaining my precarious situation, they just showed no sympathy and no care. The XXXX representative, like a robot with broken record, kept on telling me they can not close the account because I need to return the equipment, as if I was keeping the equipment as hostage for no reason. I asked them to go to the property and retrieve the XXXX equipment, because after all they had physically delivered the equipment themselves and had installed it too. I could not comprehend why they could not undo what they had done before and get the equipment back, since I could not go back to the property and be charged as a trespasser later. 

Finally in XXXX 2014, I paid the last bill and wrote a letter that it was my last payment and that XXXX had the option to deal with the owner of the property, since the equipment was in his house and he was receiving the services as well. After two years, I found out via my bank that XXXX had reported me to the credit bureaus. I contacted XXXX and they told me that I owed them {$550.00} for the XXXX equipment which apparently is still sitting in that property. I paid XXXX and disclosed a letter explaining that with the payment I had absolve all lingering issues with XXXX. 

Never once the XXXX representative, whom I was receiving information regarding where to send the payment to, mentioned about the account being turned over to a bill collector. Shortly after, I received a collection letter from ERC in XXXX, Florida, that they are willing to settle the debt to XXXX for the amount of {$440.00}. I have written a letter to ERC and to XXXX as well and requested not to be further harassed by them, since this is affecting my health adversely. 

From the onset my intention has not been to bilk corporations and services out of their money. I have paid my dues properly and on time. It is a shame that our corporations have not flexibility in their daily operations, all they see is the dollar sign and have no compassion and to really truly try to provide services to the consumer. This is not providing services this is highway robbery.
Product: Debt collection

I have a rental property in XXXX that was empty for a short period of time in XXXX 2015. The utilities were supposed to never be transferred in my name ( due to an incoming tenant ) but apparently were because XXXX XXXX billed utilities to my account. XXXX XXXX has both my phone number, email, and address but I received no calls, no emails, no letters at my address in XXXX and the tenants have stated they received no letters for bills or collection notices in my name. 

On XXXX XXXX, a derogatory remark hit my credit. I called within the hour to XXXX, who directed me to the debt collection agency. I still have not verified the debt is valid ; however, given that despite having my phone number, email, XXXX and XXXX address -- - and no notification being received on my behalf, I would pay a legitimate debt owed within the hour of notification, but I need the derogatory remark removed since I was never informed of this debt. 

The debt collection agency claims they mailed letters to my XXXX address ( however, both my tenants have affirmed they never received any mail in my name ), and I even pointed out they had my email and phone number and could have contacted me. They did not care, claimed that regardless what I said or what I did, they put a letter in the mail and they would not be removing it from my credit report. 

I have never even paid late on a single bill that I have been notified of, let alone had something like this happened. If XXXX XXXX or the collection agency had conducted any level of due diligence into proper notification ( utilizing email, phone #, multiple addresses ), and notified me that I owed them money and why this would have been paid and settled within hours. 

This should not be on my credit nor remain on my credit report as a derogatory remark given the circumstances ; however, the collection agency has notified me that regardless what evidence, what information I provide, or what I can prove they will not remove it from my credit. 
The company 's phone number is ( XXXX ) XXXX, the lady that I 've mostly spoken with is XXXX.
Product: Checking or savings account

I have an account with USAA and I had automobile insurance and my online access was suspended after I logged into my account. I was unable to access my account to pay my insurance bill and it was canceled. I called and was told that I didn't have insurance and that I never verified my identification although I have been a member since XXXX. I uploaded my identification as requested in XXXX and my access is still suspended after I verified my identification.
Product: Money transfer, virtual currency, or money service

Dates : XX/XX//2019 ; {$250.00} : Tried reaching the person phone number, IM him but he removed from group does not pick up the call. 

He has an advertisement in XXXX and send some documents to support him. 

There is no company involved I transferred to the person through XXXX. 
I have his full billing address that too post paid from XXXX. 

XXXX XXXX XXXX, GA, XXXX.
Product: Mortgage

I had a National Declared Emergency from Hurricane Irma in XX/XX/XXXX. My servicer for my VA loan was XXXX who at that time offered a forbearance for three months because of the storm which would have been XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments in forbearance then I would start back up in XX/XX/XXXX. Which I did then they sold my mortgage to Selene Finance in XX/XX/XXXX which then Selene couldn't give me any Information on loan status or payment info until they received all documents. I was told by XXXX that the forbearance payments would be just tacked onto end of loan. Selene Finance never agreed to that initially, but then did and raised my interest rates from 4.5 to 5 %. They also reported my to all the credit bureaus up to 180 days late, which XXXX never did. I paid every payment that asked for on time but instead screwed my credit over and changed my interest on my loan by raising it to 5 %.
Product: Student loan

My Eligible Payment count was updated last fall under the PSLF Limited Waiver. However, 10 payments from XXXX are currently listed as " Employment Not Certified '' by FedLoan in my payment history. I was employed full time by a XXXX XXXX  during this period. 

I submitted an Employment Certification Form for this period on XXXX XXXX, XXXX. I emailed FedLoan on XX/XX/XXXX for an update on the status of the form, and received no response. I emailed again on XX/XX/XXXX and received no response. I spoke to a FedLoan loan counselor by phone on XX/XX/XXXX, and spoke to two other loan counselors on two separate calls on XX/XX/XXXX. None of the loan counselors were able to provide me any information about whether or not the form has been processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX  XXXX {$730.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$730.00} XXXX   XXXX {$1000.00} XXXX  XXXX {$730.00} XXXX XXXX XXXX {$75.00} XXXX XXXX {$300.00}
Product: Debt collection

As of XX/XX/2021 I have filed a complaint with GM Financial case number XXXX ( XXXX ) about a fraudulent contract that was received and accepted by XXXX XXXX XXXX XXXX XXXX This puts me and GM Financial in a litigation process. Since then GM Financial has repossessed my vehicle violating me under the FDCPA 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure. 
FROM THE CODE I HAVE PROVIDED YOU CAN CLEARLY SEE THAT EVEN IF I DONT PAY THE DEBT THEY ARE NOT ALLOWED TO REPOSSESS MY PROPERTY. They have hired an uninterested 3rd party by the name of XXXX XXXX XXXX to repo my vehicle while in litigation. I need this information for the purpose of using exhibits while in court with GM. I also need this exhibit to help with amending XXXX XXXX XXXX  to the case I asked them to provide me with the order for the repo all they gave me was the name of the Lien Holder which is GM. I have provided a Lien search Certificate from the Secretary of State of California and as you can see there is no Lien in my name. GM Financial and XXXX XXXX XXXX is committing fraud here. This isnt a duplicate complaint this is more information provided for the CFPB that the crime was in fact committed. I am demanding a response from GM on why they have repossessed my vehicle if federal states even if I dont pay they are not allowed to.
Product: Vehicle loan or lease

On may I bought a XXXX XXXX XXXX ( Kia Fianance ) and on XXXX I refinanced it thru ( XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent two checks one for {$16000.00} ( XXXX ) and {$65.00} ( USPS ) money order in the same certified envelope to paid off my auto loan with them. After several calls with KF  to verified it they received the payment, they told me that I need to put a stop payment on the checks and send a new ones. I went to the United States Postal Service and they told me that Kia received the envelope with two checks on on XX/XX/XXXX. I submit an inquiry with them USPS and the results was that Kia cashed the money order on XX/XX/XXXX. When I went to XXXX they putted a stop payment on the first check and gave me a new one with the same amount {$16000.00}, so I sent another sets of checks the XXXX and a personal check of {$100.00}. I called a lot of times and they always said that they didn't received the first envelope with the XXXX and money order check, but I have all the evidence from their website and USPS that they received it. Also, they gave me a fax number to submit my evidences but that number doesn't worked. I had to paid extra money sending everything certified to them to the address that they gave me and every time that I called them and ask if they received it they said not. When I went to the USPS they told me that they are giving me the incorrect address because the zip code Kia gave me is rural and the address is PO BOX XXXX but USPS delivered to the correct address. 
I need to resolve this situation and my money back as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXXXXXX Balance : {$7800.00} ; XXXX XXXX XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER FINANCED A VEHICLE FROM THIS BANK BEFORE. I FILED IDENTITY THEFT WITH FTC AND PROVIDED ALL DOCUMENTS TO THEM ON NUMEROUS OCCASIONS AND THEY STILL HAVE NOT REMOVED THE ACCOUNT FROM MY XXXX CREDIT REPORT.
Product: Credit reporting

I have a Tax Lien on my credit report that should n't be on there. Docket # XXXX
Product: Credit reporting or other personal consumer reports

Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in XXXX XXXX Equifax Information Services LLC ( XXXX XXXX 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 1681n. Civil liability for willful noncompliance XXXX XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 2. 1681i. Procedure in case of disputed accuracy XXXX Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once. 
3. 1681n. Civil liability for willful noncompliance XXXX XXXX Account XXXX : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
4. 1681i. Procedure in case of disputed accuracy XXXX XXXX XXXX 
Account Number : XXXX This Account is inaccurate and Im seeking litigation please delete at once 5. 15 U.S code 1681b ( a ) ( 3 ) ( a ) XXXX XXXX Account Number : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
6. 1681s - Administrative enforcement XXXX Account XXXX : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation. 
7. 15 U.S code 1681b ( a ) ( 3 ) ( a ) XXXX XXXX XXXXccount Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

8. 15 U.S code 1681b ( a ) ( 3 ) ( a XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a Wells Fargo mobile deposit of a check for {$2100.00} provided by someone claiming to be hiring from XXXX XXXX requesting that I print it, deposit it, and send {$2000.00} of it to a supplier so I could prove myself to be trustworthy enough to become a remote employee. They said I could keep the remaining {$180.00} for my time. The bank deposited {$400.00} to my checking on XX/XX/XXXX and the remaining {$1700.00} on XX/XX/XXXX. On XX/XX/XXXX I tried to send the {$2000.00} to the supplier ( a XXXX XXXX ) via XXXX. The bank denied the request because of suspicious activity so I chose to send two payments of {$1000.00} instead. I really needed the job and they were promising me $ XXXX. The representative was annoyed and asked me to use XXXX to send the rest. But I did end up sending the remaining {$1000.00} through XXXX. I reported the two XXXX transactions on XX/XX/XXXX immediately after the HR representative stopped replying to my messages on XXXXXXXX XXXX. I also reported the bad check via phone. The bad check was noted and the bank did not penalize me after consideration. However, I was still out of the {$2000.00} of my own money I used to send via XXXX to this supplier. I spoke to three online bankers and two managers and they said there was nothing they could do to get my money back because I authorized the XXXX transactions. In the meantime I received multiple instances of mail correspondence from Wells Fargo on XX/XX/XXXX and XXXX regarding my claims. The last call I had with a manager ended poorly because he said the other partys bank was not responding to Wells Fargos attempts to contact them and that it wasnt ethical for him to give me their contact information, and ironically told me I was on my own. This is unacceptable and I need my {$2000.00} back. Wells Fargo is complicit in the fraud as far as Im concerned and for them to prey on a customer who is in between jobs and searching for employment is despicable and immoral. Please help me.
Product: Debt collection

XXXX sent me numerous written warnings about an amount they claimed I owed that was not owed. I attempted to rectify this with them on multiple ocassions, and they remained unhelpful. This has now been sent to collections, and my credit has already been dinged. This sounds like a common illegal practice by this company, as there are class-action lawsuits in multiple states against them. I have joined the class-action suit in my state of Colorado.
Product: Payday loan, title loan, personal loan, or advance loan

Received email communications from OneMain Financial regarding a debt consolidation loan. Also noticed a hard inquire on credit file from the same company. I did not originate this loan request, and believe this may be fraud. I've contacted XXXX and filing this report.
Product: Credit card or prepaid card

Paid balance owed as of XXXX XXXX and tried to close the account. 
Incurred an interest charge on XX/XX/2021 billing cycle as normal, on top of a late fee. 
This went unnoticed by me for a month since I thought the account was closed. 
XXXX XXXX delinquent account reported negatively affecting my credit. 
Have email from XX/XX/2021 stating account was closed. 
Total email count from bank saying account is XXXX balance and closed is XXXX. 
These people are going to try every month to charge interest and late fees on XXXX balance and a closed account until forever.
Product: Credit reporting or other personal consumer reports

my credit report shows XXXXXXXX XXXX reported that the account was opened on XXXX account # XXXX how can that be when they also reported that my last payment was on XXXX this is clearly in violation violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ). Also they did it again with another account with the account number being XXXX they reported that the account was opened on XX/XX/XXXX but they also reported that the Date of Last Payment was on XX/XX/XXXX I demand that this accounts to be removed from my credit report Delete this account immediately because of direct violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681e ( b ) .according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also the information is False and inaccurate the date open on my credit account is inaccurate
Product: Credit reporting or other personal consumer reports

I am writing to dispute the recent information provided regarding the payment made on concerning the debt allegedly owed to XXXX XXXX. This payment was made on time, and I possess evidence supporting this claim. 
According to my rights under 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form with the knowledge that such form would create the false belief in a consumer that a person other than the creditor is participating in the colection or attempt to collect a debt. 
I request verification of the payment and urge you to review the evidence provided. It is imperative to rectify any inaccuracies promptly to avoid any further confusion or legal complications. 
Please provide detailed documentation verifying the receipt and processing of the payment in question. This should include the date of receipt, the method of payment, and confirmation that it was applied to my account in a timely manner. Aditionally, I request that any eroneous information regarding the payment be promptly corrected on my account and in any communications with credit reporting agencies. 
I expect a prompt response to this dispute within 15 days, in accordance with the timeframe stipulated by the Fair Debt Collection Practices Act. Failure to provide adequate verification or to rectify any inaccuracies may result in further legal action.
Product: Credit reporting or other personal consumer reports

I checked my credit report today ( XX/XX/year>XXXX  ) and identified an error on my credit report for XXXX Account # : XXXX Unfortunately, I have submitted multiple disputes, contacted the servicer and called Equifax but my report still has not been updated. 
According to 15 USC 1681EB you are required to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete this account immediately for violating 15 USC 1681EB. Thank you.
Product: Debt collection

I have 4 accounts with Midland Credit Management and they refuse to work on a pay off they want a down payment of XXXX and I told them I can only do XXXX as a down payment and a monthly of XXXX which is what they asked or XXXX which is what I offered and they refused ... .. They are not working in good faith for a difference of only XXXX dollars that they can break up over into the payments. Mind you THEY OWN THE DEBT which they bought from the creditors .... I refused to be pushed into such a big downpayment, so I hung up on them ... ..PLEASE Help because I want them to accept the settlement and delete this off my credit as they stated they can do.
Product: Credit card

On XXXX I logged into my AMEX XXXX account to pay my amex bill for an existing card and a pop-up, see attached offered me to apply for XXXX XXXX with {$250.00} cash back after {$3000.00} spend. I applied, was approved and got the card. I spent the {$3000.00}, and not AMEX denies approving me for this offer, which is obviously a scam, and false advertising. I contact their customer support, and won't give me any specifics to why I am not receiving the {$250.00} after fulfilling the {$3000.00} spend within XXXX months. This is unethical business practice. I would like to be compensated the promised amount!