23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023 @ XXXXXXXX XXXX XXXX  XXXX XXXX was contacted by telephone by a Global Lending Service Rep by the name of XXXX XXXX this is the number XXXX XXXX XXXX use to call me ( XXXX ) XXXX XXXX XXXX stated she see I have a cease and desist on file and she continued by saying I owe this auto loan debt where they received by information from XXXX XXXX XXXX. She completely ignored me, harassed me, and continued to talk over me as i tired to tell XXXX XXXX XXXX all communication should be via mail or email she violated me by telling me to pay this debt. i continued to try to tell she is in violation of my consumer rights under fdcpa and fcra. XXXX XXXX XXXX then hung the phone in my face. She not only violated my rights but she also violated several federal laws as well. XXXX XXXX XXXX has caused me more emotional distress from this phone call i should not have received.
Product: Credit reporting or other personal consumer reports

Woke up to an alert on my phone that a new hard inquiry from CB Indigo was now on my XXXX credit report as of this morning ( XX/XX/year> ). I XXXX  what that was and it came up as the Indigo Mastercard for poor or no credit. I have not applied for credit with this or any lenders recently. I have gotten multiple emails over the last few weeks telling me my data was exposed in various breaches, and this could be the result of that. I thought I added Credit Freezes to all my credit files with the 3 credit bureaus but apparently, I missed XXXX, so I added one there today and found the number for CB Indigo. I called there at XXXXXXXX XXXX today and spoke to Lovely who gave her employee ID # as XXXX and explained anything they have with my name or personal info is fraud and asked what name or address was on the application or any other info that could help me file a fraud report or figure out if I knew who was trying to get credit in my name. She said she could not provide that information but did tell me there was a credit card application that was still pending with a status of " need supporting documents ''. She said she would tell someone I am claiming that this is fraud but that it could take up to 60 days for them to complete an investigation and send me any documented proof in the mail about what they decided the outcome will be. She also stated instructions regarding getting the hard inquiry removed in the letter. I told her I am filing a claim with the FTC and the CFBP and asked if there was a way to expedite the investigation or proof letter in case I needed to give any of that to them and because XXXX told me they will not remove any hard inquiries without documentation of a claim from one of those agencies or some other hand written request being mailed in but she said no. I am just trying to get rid of any ties to this fraudulent account as quickly as possible so I can feel secure again and not end up with any financial burdens that are not mine to deal with.
Product: Debt collection

BULLCITY FINANCIAL SOL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Submitted a collection account with XXXX XX/XX/2021. BullCity Financial never made an attempt to notify me via mail or phone of this alleged collection. They simply submitted a collection to XXXX, which I was altered to. I have opened a dispute with XXXX, which they supposedly " verified '' the information, and updated my credit report, which the collection stayed. I reopened another dispute, and submitted more information. I sent BULLCITY FINANCIAL and XXXX a certified letter on XX/XX/2021 disputing the charges, collections and inaccurate ( damaging ) reporting to my credit report. Additionally, as a bullying tactic, they continually keep " updating '' reporting to my XXXX Credit Report five times in less than a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX many times after XXXX discharged this issue on the complaint XXXX. Last contact date to XXXX was XX/XX/XXXX. They refuse to remove the late payments and XXXX stated I would have to call the credit bureaus to have it removed. XXXX discharged the fraudulent account on XXXX and then sold the accounts to XXXX in which I had to have this issue discharged with XXXX.XXXX resold it back to XXXX. This issue is bouncing around after I notify them of fraud. Lastly, XXXX new of this matter and they still have the discharge information from when I notified them and left the account on my profile. This matter shows currently open on my Equifax report as well as 120-180 late payments. XXXX has not furnished me a promissory note to show proof of the said debt. I want the late payments removed and the accounts of debt.There are a total of 6 accounts : STUDENT LOANS DEPT OF ED/XXXXNeeds   Attention Last reported : XX/XX/XXXX {$7800.00} 120+ Days Late DEPT OF ED/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5800.00} 120+ Days Late DEPT OF ED/XXXXNeeds Attention Last reported : XX/XX/XXXX {$5100.00} 120+ Days Late DEPT OF ED/XXXXNeeds Attention Last reported : XX/XX/XXXX {$4500.00} 120+ Days Late DEPT OF ED/XXXXNeeds Attention Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late DEPT OF ED/XXXXNeeds Attention Last reported : XX/XX/XXXX {$2100.00} 120+ Days  Late The account was closed but still, show late payments from my complaint : XXXX. I wish to have it removed along with late payments. 
XXXX {$13000.00} Closed Overview You've paid off -34 % of your student loan amount. 
Balance {$13000.00} Highest Balance {$10000.00} Monthly payment {$0.00} Opened Unknown Term months Payment History Youve made 86 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks Consumer disputes this account information Collection account Fixed rate Times 30/60/90 days late I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX , and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to XXXX ( XXXX XXXX XXXX XXXX ) Account # : XXXX. I faxed the information to that company on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

7 INQURIES ARE BEING REPORTED THAT DON'T BEONG TO ME
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 XXXX : XXXX XXXX
Product: Mortgage

Misleading and Guarantees made that could not be kept. In XXXX 2015 my wife and I had found a home that we wished to purchase. Before finding the home I spoke to XXXX XXXX and he pre-approved us. When we found the home we started the process for XXXX backed loan. XXXX assured us and even guaranteed that we would make it through XXXX even with our bankruptcy in the past. I was attentive to what XXXX needed and returned all items within 48 hours to him. During this process ( once it was to late to find a new mortgage company, XXXX started to be less responsive and we ended up missing our loan commitment date. XXXX XXXX kept us from going to XXXX and having loan commitment letter on XXXX XXXX like we where suppose to, this was not done till XXXX XXXX. I was vary clear with XXXX upfront about our past, I did not lie or hide anything and informed him when our current lease was up. Due to his delays we had to stay past our lease which caused expenses, by no fault of our own. Once XXXX started reviewing our file, they asked for documentation. I typed up a letter that explained our bankruptcy in more detail and called the XXXX XXXX office and Called XXXX XXXX XXXX Director of GA XXXX XXXX. XXXX ended up denying us, and XXXX never submitted the letter I typed up to them ( that XXXX requested ). When I spoke to XXXX XXXX and the XXXX XXXX, had that letter been submitted then they would have approved us and it did show we where less of a liability then we where when we filed for bankruptcy. So due to XXXX 's lies, incompetence, misrepresentation I am left with a lot of money lost, a forever home lost and expenses that I have to pay now that are not my fault. I have spoken to a few people and found that shortly before I began my process with XXXX Mortgage, XXXX employee 's walked out because of this same unethical behavior. I have also discovered that XXXX Mortgage claims to be a preferred provider for a lot of organizations, when they really are not. After speaking with parties involved in this ( minus XXXX Mortgage XXXX and my attorney, we believe this is a bait and switch style scam. I have all e-mails documenting my entire experience with XXXX Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information on case number XXXX with Experian Information XXXX regarding my credit file. 

I just received notice that Experian has completed their investigation regarding the following credit accounts : XXXX XXXX They deemed the information on my credit file to be 'accurate '. Which is false. I have already requested debt validation from both XXXX and XXXX, of which BOTH parties have yet to provide me with the document sIve requested to verify the alleged debts in the given time frame of ten days since receiving my requested letter via certified mail. Since both furnishers have been unable to provide sufficient proof to ME that their furnishing of my report is verified and valid, Experian has no means to prove the investigation of the validity of these accounts are lawful or correct.
Product: Credit reporting or other personal consumer reports

I lost my job in 2023 and I havent been contacted by any of my previous lenders in regards to my current salary or anything that has changed in my life and I dont know if the balances are 100 % accurate and where the information came from. I believe that well over half of my account accounts are falsely marked. I had to sell my home and am now homeless
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX GA XXXX SS XXXX XXXX XXXX This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, GA XXXX LIKE WOULD A FREEZE OF ALL MY CREDIT FILES ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, Account name : XXXX XXXX # XXXX Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account Name : DXXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX 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 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 than 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.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I suffered from XXXX the end two months of XXXX and beginning of XXXX. When I recovered enough to monitor my credit scores as I usually do at least weekly, sometimes daily. I also noticed missed calls and then letters/bills from Montgomery Wards . I remember thinking, when my friend applied, that I did not know Montgomery Ward still exists. No disrespect. I picked some pajamas for my XXXX XXXX, but XXXX wanted like {$150.00} deposit. I did not want to do that, so I did not order. Furthermore, I received a letter saying if I paid the down payment, I could get the personalized pajamas. Now I am getting bills for items I never purchased or even received. I have called and disputed this whole account opening, since I never paid the down payment to place my first order. I moved and gave Wards my new address to send me something saying they would remove it from my credit reports and I see the name is changed to my actual first name, not the shortened name ( which I would never use and is a masculine form ) that originally was on the account. This fraudulent account is bringing my credit scores down because it is being reported as mine, and never paid on. The letter from Montgomery Wards instructed me to go to this website and dispute it. I already have with the credit bureaus, police, FTC. I do not know what to do next! Likewise, I also was used fraudulently for unemployment benefits, credit cards, and hard inquiries and more. Apparently, I am told that I am on the dark web by a security feature. I have called Wards several times and in XXXX they sent me the letter saying to contact XXXX Unemployment is investigating who filed for benefits and received over {$10000.00} in my name. Someone used my information in XX/XX/XXXX. I unfortunately had to file in XX/XX/XXXX. Then wait 8 months to prove I am me. 

I received a letter stating I am being sued for a payday loan. I never took out a payday loan. ANYWHERE and for {$1800.00}. I have lots of fine, expensive jewelry I would pawn before I would get a payday loan Two different bank accounts have been opened in my name. I found out when they sent me new account information and when mail was returned to the bank. I tried to get information like address debit card is being mailed to, opened both online.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE XXXX Balance Owed : {$1800.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is to my knowledge that the CFPB governs these non-government agencies, so not only am I demanding these accounts to be removed swiftly as they are unjust and fraudulent but will seek litigation to all parties involved if this matter is not handle immediately. This is XXXX XXXX the natural person and LAW IS LAW. The agency does not get extra days to decide whether they will follow law they are governed by. DO NOT respond with the agency having 30 days to respond THAT IS NO LAW!!!!! Experian and XXXX is breaking the Law
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for account # XXXX with XXXX XXXX. These late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time through autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. My account was fully paid on time, and autopay was active to ensure consistent, timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness and payment history. 
Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information. 
The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy in consumer files. 
Additionally, under the FCRA, articles XXXX and XXXX ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, allowing for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements. 
Summary of Errors on Account The XXXX XXXX account displays several discrepancies across credit bureaus. XXXX incorrectly reports XXXX late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, while XXXX and TransUnion report late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite timely payments through autopay. TransUnion and XXXX list a high balance of {$30000.00}, while XXXX shows {$0.00}. 
Additionally, the " Date Reported '' and " Date of Last Activity '' differ, leading to inconsistencies in account status. XXXX inaccurately describes the account as " closed or paid account/zero balance, '' while the dispute status remains " not disputed '' despite prior correction requests. These errors collectively misrepresent the account 's payment history, balance, and dispute status. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within XXXX days of this complaint submission. Failure to resolve this issue may lead to further action to protect my consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX NY XXXX XXXX XXXX, XXXX NY XXXX XXXX AMOUNT : {$1100.00} COMMENT : THIS IS FRAUDULENT.THIS NOT MY ACCOUNT .DELETE IMMEDIATELY F.T.C REPORT NUMBER:XXXX
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX It was purchased from XXXX XX/XX/XXXX. From the very beginning, I had issues with the car. I went to XXXX to get it repaired they wouldn't repair without a service fee. which I thought was unreasonable being that I just purchased the car. I then took it to a XXXX XXXX, it was repaired and covered. Many more things began to go wrong with the car. I took it to a different auto repair service center who said it had an electrical problem that is quite expensive also only the dealership would fix it. Eventually, the AC went out, the repairs for that was {$3200.00}. There were other problems the check engine light was on, the mileage indicator was flashing and other warning lights were on as well as the engine needs service message. I called American Acceptance the Loan company to see if the would assist me in any way. They advised me maybe they can if I would get an estimate of the repairs. I went to an auto repair a place that repaired my car in fact it was the same place that initially told me that only the dealership could fix it. They gave me an estimate unfortunately they did not put everything in writing, he said because he can not get prices for many of the parts. He also told me that all the work that is needed on the car it would not be worth it, and the difficulty in finding the parts they do not want the job. The finance company said they would take off 85 % of the value of the vehicle but I would have to get an estimate showing the repairs are more the value of the car. the value of the car is {$4100.00} to {$5000.00} in good running condition this car is not. The repair as it is now is more than {$3200.00}, to get an estimate from the original place that gave me an estimate they need {$400.00} just to diagnose the can system which is to do with computers. So I went back to the dealership and they said over the phone it would be {$150.00} to diagnose but when I got there it was {$170.00} for 3 things he wasn't done telling me the different diagnosis the car needed because all of the codes that came up, I stopped him because I could not afford more than the {$170.00} he said it would be about {$1000.00} to diagnose my vehicle. I basically told the finance company that I can not do both pay for the vehicle repairs and car payments, I asked to please assist. the problem is I can not afford to get it diagnosed they also need it to be not drivable which it is, and the motor or transmission needs to be replaced. This is very unreasonable since the repairs so far is {$3200.00} The Estimate is {$1000.00} and the value of the car is {$4100.00} ... so far I have paid {$10000.00} the balance it {$17000.00} how does that make sense. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid off a debt directly with my bank 's internal collection agency in XX/XX/2023. I recently received a letter postmarked XX/XX/XXXX from XXXX XXXX XXXX to collect credit card debt from my bank ( XXXX  ). The notice looks legit and has a reply form for me to include payment and a number I can call to pay it over the phone. I called the number, and there was no person to speak to ; the initial prompt offer was to make a payment, but as I continued on the line to try to talk to someone, it went on an indefinite hold. 

The postdate and notice date were a dead giveaway for me, but I wanted to call to catch them.