23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. They also cant verify my identity by showing roof my social, ID, and personal handwritten signature. They stalled me by saying they investigated it but there has been no update on my report. Please see the attachment below they have been using my credit report to slaughter my image and future with false allegations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I bought a new XXXX XXXX from XXXX XXXX in XXXX, TX. I specifically asked them who pulls the credit and they said that XXXX XXXX does a soft pull and XXXX XXXX will do a Hard Pull ( both through Transunion ) if theirs looks good. I unlocked my reprt so they could move forward and I was approved. 

Later both XXXX XXXX and XXXX XXXX showed up as hard pulls. I have attempted to get ahold of anyone in finnace at the dealership and even went to the dealership but no one returns calls and I was not able to see anyone.
Product: Vehicle loan or lease

I have been paying on loan over 1 year. I had a few issues at start of loan but resolved. Recently my bank had made a mistake and mishandled my bank account. I paid the NSF to XXXX for the issues. That should be enough for them but bill harassment took place after. I made a few payments after NSF took place. No issues. On XXXX I logged in account blocked from any bill pay at all. I called in. Phone bill pay not accepting my card also. I spoke to support whom was to unblock. I logged in after. Still blocked. Next customer service then harassed me more by then stating wait 15 minutes and try. I was then blocked from logging in. I then called back a 3rd time. I was unblock to login only and was supposed to be able to pay but can not because of harassment. NSF is standard business procedure even though not fair in some instances to pay for other businesses mistakes. Not part of any business agreement as a customer for them to block me from paying. First 2 sounded XXXX but doubt XXXX. 3rd sounded XXXX. I have had some harassment issues from ex-husband XXXX XXXX and his families in various states mainly XXXX they live. I also have had some harassment from step father XXXX XXXX including a statement regarding XXXX vehicles that there is a special device for XXXX vehicles in America only. I understand issues in America regarding XXXX not being well liked but maybe an excuse for harassment by them including the business as may noticeably being trying to harassment to hinder business finances here. I like my vehicle. I resent any of this be it family or business harassment. Business gave no notice of bill blocking. Not a business standard. NSF fees should be sufficient for issue. My bank does not internally bill pay to XXXX.
Product: Credit card or prepaid card

Ive made two payments to pay my balance in full to Apple and they took the funds out of my checking account, yet they refuse to update the balance. 


I chatted with a rep who was willing to help and when I went back to get the balance updated the next agents would not do so. 

It is extremely UNFAIR. UNETHICAL. to pay a credit card over $ XXXX and not see that reflect in their balance. I need access to use my card for emergencies and apple is literally sabotaging my life. 

Im a new customer and this is just wrong. Im being punished for paying on time and paying in FULL! 

How crazy is that. Greed is real. 

NOt to mention the apr is 21.99 %
Product: Bank account or service

On XXXX XXXX 2017 I check my account around XXXX, I then got something at XXXX XXXX the next day which was the XXXX I recieved my account with a over draft fee taken out of my direct deposit. I called PNC Bank they said I had a pending charge which was on the XXXX I told them no because my balance inquiry indicated something different on the XXXX and my account was not over drawn as I have proof they basically told me that that did n't matter that my receipt that I got for the balance inquiry was wrong so my question to them is why have ATM if I ca n't get the exact balance. Any other time that I have a pending charge they take the money right out of my account or if I do n't have enough money in the account account is overdrawn it is not left with money in there for me to make another transaction and that is my problem with them. So with PNC my issue is that there ATM does not give accurate balance information and I argued with them and talked with supervisor and they still do n't understand that all transactions need to be reflected in the bank account and to this day I still do n't see that transaction it 's possibly came in on the XXXX of XXXX so I have included a copy screenshot of my account of the transaction in question.
Product: Checking or savings account

In XXXX of XXXX, Fifth third falsely accused me of committing fraud with no proof. No funds was overdrawn and I do not owe the bank any money. Plaintiff XXXX XXXX filed her XXXX XXXX class action lawsuit in XX/XX/XXXX, claiming the company violated the FCRA by failing to provide accurate disclosures to consumers when they have fraud alerts on their account. I was apart of this class ( A ) lawsuit and I was settled out. My attorney have asked me to reach out to Fifth third once again to have them remove this inaccurate information from early warning. If the company refuses, we'll take legal action against Fifth third bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with TransUnion is reporting this debt as 120 days pass due as the status instead of paid and closed. The account has a XXXX balance but the credit reporting agency has status as 120 days past due.i have disputed this with the reporting agency multiple times with no update to this status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps verifying an account listed on my credit report because the furnisher provided them erroneous information. I have never left the XXXX of XXXX at no time. Yet they continue to verify an address Ive never lived at in my life. I dont know much about disputing things but this information they have from said furnishes is violating my rights. Transunion will not remove entry and I have disputed this twice. Once on XX/XX/2022 And again in XX/XX/2022 2022
Product: Mortgage

I am a XXXX XXXX XXXX veteran of the US XXXX XXXX I have been XXXX XXXX XXXX ever since XXXX of 2012. A XXXX XXXX XXXX  veteran in the state of Texas does not have to pay property tax But My mortgage company ( prime lending ) Insists on making me pay property tax which is something that I am not required to pay they said that they have pay the property tax for me ever since 2012 until now they have added this amount to the amount that I still owe for the property XXXX XXXX XXXX, XXXX TX XXXX Also They have said that they have had to pay for my home owners insurance claiming that I have never head homeowners insurance this is not true I have always head home owners insurance every year since I have been here they have added at least {$20000.00} or more to the amount the old causing me to go into default on my home mortgage loan I have had to file bankruptcy several times I have taken this complaint to several agencies looking for a way out some sort of help. At this time I am in need of help with this issue because they are robbing people this is something that they on the XXXX is for I have done a lot of XXXX  on the Internet and I complaints and issues about this company I only wish that i did more at the time when I was looking for and mortgage company. Please any help that you can give would be greatly appreciated thank you and have a blessed day
Product: Debt collection

I asked previously this company to provide specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I have attached a copy to show another collection company reaching out about the same debt. the debt was PAID IN FULL with XXXX  XXXX. PLEASE DELETE THIS COLLECTION from all credit bureaus IMMEDIATELY!
Product: Checking or savings account

I have two savings accounts with Wells Fargo -- a platinum savings account and a Way 2 Save account. The platinum savings account requires at least {$3500.00} in it to prevent a {$12.00} service fee charge. Wells Fargo has the accounts listed opposite on my online account with my platinum savings account actually being labeled as " Way 2 Save '' account. So I withdrew money from my " Wave 2 Save '' account and kept over {$6000.00} in my " platinum savings '' account to prevent the {$12.00} service fee. However I was still charged the {$12.00} service fee because Wells Fargo listed the accounts incorrectly. I called to inquire about this and was told the accounts are intentionally, incorrectly labeled, with no resolution on Wells Fargo end. They did not correct the labeling of the accounts or credit me the service fee. This seems deliberate on their end to intentionally confuse consumers so that they get charged the {$12.00} service fee.
Product: Debt collection

Please find attached, an Affidavit of Truth. The bullying stops today. Portfolio Recovery Associates never received my permission to communicate to me in connection to any alleged debt. Portfolio Recovery Associates has continued to harass me intentionally using consumer reporting as a coerce tool to try to force me to pay an alleged Time-Barred debt I do not owe. Portfolio Recovery Associates was issued cease and desist letter twice, XX/XX/XXXX and XX/XX/XXXX, to stop all collection efforts and communication on this alleged Time-Barred debt. The only communication permitted would be confirming termination of all collection efforts or actions to be taken allowed by the FDCPA or my state laws. Before statute of limitations expired, Portfolio Recovery Associates failed to provide proof that there was an alleged debt owed to them by me. In addition, Portfolio Recovery Associates failed to provide the bill of sale showing the value on how much they paid for this alleged account. There was no relationship, contract, agreement or an accounting ledger furnished between Portfolio Recovery Associates and I. Instead, Portfolio Recovery Associates has provided the same deceptive documents repeatedly for over a year that did not validate the alleged Time-Barred debt to them as recent as XX/XX/XXXX violating the cease and desist demand, and continuing to mark negatively tarnishing my credit rating violating the cease and desist demand. Portfolio Recovery Associates has been informed repeatedly that this alleged debt is not mine and they refuse to abide to the federal and state laws created to protect consumer from debt collectors like them. Portfolio Recovery Associates acts oblivious to their actions knowing their tactics are malicious, abusive and forms of harassment causes risks to my livelihood, credit rating, mental anguish, emotional stress, and reputation ruined defaming my character. The bullying stops today. This is extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX LVNV Funding LLC ACCOUNT # : XXXX DELETE IMMEDIATELY I am not liable for this DEBT with Credit XXXX Bank XXXX XXXX. I do not have an ORIGINAL CONTRACT with XXXX XXXX XXXX LVNV Funding LLC XXXX You did not provide me with the ORIGINAL CONTRACT as I Requested & THIS ACCOUNT IS FULLY VIOLATING METRO 2 COMPLIANCE & FCRA LAWS The enclosed account summary Resurgent Capital Services provided me clearly states : ( ( This account summary has been prepared by Resurgent Capital Services on behalf of LVNV Funding LLC XXXX It is not a credit card or other account statement from the original creditor. ) ) THIS IS NOT AN ORIGINAL CONTRACT FROM XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX LVNV Funding LLC are Furnishing Deceptive Forms & Deceptive Credit Report 1692j. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 
This is a NOTICE that I am DISPUTING your claim for this Account # : XXXX. 
!!! THIS ACCOUNT IS NOT MINES AND ITS REPORTING INCOMPLETE & INACCURATELY DELETE THIS ACCOUNT!!! 


VIOLATIONS ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT )!!! THIS ACCOUNT IS NOT MINES ; I NEVER HAD A CONTRACT WITH LVNV AND ITS REPORTING INCOMPLETE & INACCURATELY. 
DELETE THIS ACCOUNT IMMEDIALELY!!! 

XXXX 1. NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT. WHERE IS CLOSED DATE ) 2. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 3. NO LAST VERIFIED REPORTING ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 4. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 5. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 6. TERM LENGHT : 1 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 7. PAST DUE AMOUNT : {$1200.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE XXXX VIOLATIONS ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT )!!! THIS ACCOUNT IS NOT MINES ; I NEVER HAD A CONTRACT AND ITS REPORTING INCOMPLETE & INACCURATELY. 
DELETE THIS ACCOUNT IMMEDIALELY!!! 

1. ACCOUNT STATUS : OPEN ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT ) 2. NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT. WHERE IS CLOSED DATE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX opens XX/XX/XXXX I was medically affected financially by XXXX I have sent proof which is medical documentation of what was going on. There is an FCRA law that is being violated please remove any delinquent payment as I faced financial hardship reduced hours and being forbidden to work when I came in contact of anyone with the virus as well as I was medically test Positive with the virus which caused other medical issues during this period which caused me not to be able to work which cause a reduction in my financial history starting XX/XX/XXXX up to XX/XX/XXXX medically XX/XX/XXXX to XX/XX/XXXX financial impact due to financial hardship due to reduction in business and hours at my job impacted as the law sates as following 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX ( XXXX ) pandemic during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel XXXX XXXXXXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Employers : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In a recent review of my credit report I noticed that I had a collection with Leafy Financial with an opened date of XX/XX/2023, in the amount of {$3700.00}. I have never spoke to anyone at Leafy Financial nor have I ever heard from this company.
Product: Credit reporting or other personal consumer reports

I signed up with XXXX to correct items on my credit reports. On XX/XX/2024 I complied my dispute letters for experian, XXXX and XXXX I printed said letters off, hand signed my signature and social security number. I also included a copy of my drivers license. I listed several items to be addressed that are currently reporting incorrectly. On XX/XX/2024 I received an email from Experian stating they received my request, but it appeared to have not been sent by me, that I could file disputes directly with Experian online. 
I called Experian on XX/XX/2024 at XXXX. After going through the prompts I spoke with a man. I informed him that I received their letter, I that I did in fact send in the initial request. He stated that the request had been denied already that I have to go online and file the disputes. I stated that my initial request was typed, hand signed, had a copy of my driver 's license and my social security number and shouldn't have been denied. He then told me, '' okay, hold on. '' I was on hold for over 40 minutes. I said " hello? ", several times without a response. I ended the call in order to go to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX acct was opened on XXXX XXXX and was closed onXX/XX/XXXX. It was charged off as a bad debt closed and was purchased by another lender ( XXXX ). This account reached its statue of limitations which was 3 years. This account is 13 years and 8 months old. On my credit report it states that XXXX XXXX, XXXX posted on my credit report that I owe {$1700.00}. It seems this company is ghosting my social security number and all pertinent information on the web. Since I am retired now and only have one income which is Social Security, this company is taking advantage of me. I did not sign any papers to start paying on this bill, although I am in a debt management program which this debt is being paid to XXXX XXXX , XXXX every month by XXXX XXXX XXXX. The account has been settled for {$830.00} at which payment is being made every month. I would like XXXX XXXX, XXXX to remove from my credit report. The Company XXXX XXXX, XXXX is doing the exact thing to XXXX XXXX XXXX, XXXX. which states on credit report that {$1500.00} is owe but it has been settled for {$760.00} at which payment is being made every month. Its a shame that the little people when in debt trying to clear up their credit report that everybody else wins ; XXXX XXXX XXXX receives a fee for settling your acct, and these companies like XXXX XXXX , XXXX, XXXX XXXX, XXXX, and XXXX Companies ghost your social security. When financial crisis hit and you can not pay when the creditors want you to pay, even when the insurance has paid the creditor off and the account is closed, trying to do good by entering a debt management program is the worst. They tell you don't pay your bills and they have a better chance to negotiate your debt down meanwhile you are on fix income and the debts time have past statue of limitations. You can not win!! I hope this information will help some consumers to beware. Thank you.
Product: Credit reporting or other personal consumer reports

U

nder 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. Account name : XXXX Account number : XXXX