23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company named City Management Group contacted my step-mother and then myself to try to collect a debt I do not owe. When I contact them with the reference number they provide they never disclosed it was a attempt to collect a debt, or had me verify my identify. Was told I owed money on a payday loan from XXXX 2013 however the address that they stated the loan was taken out under was not me residence at time and I had left that residence 2 year prior to " said loan ''. When I asked who the loan was through she said it was a payday loan but could not provide me with the company whom the loan was through. When I asked for copy of the loan document she told me she did n't not have access to them. 

This companies phone number is XXXX and I spoke with a XXXX XXXX. I did set up payment plans but when I realized this was scam I contacted my bank to cancel my card. 

Just wanted to make you all aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS A FOLLOW UP OF MY CFPB COMPLAINT XXXX. XXXX TOOK UNTIL XX/XX/2022 TO RESPONDE TO MY COMPLAINT WHICH IS 4 DAYS PAST THE DEADLINE. IN ADDITION ; THEY ARE STILL DENYING THEY ARE POSTING THE SAME ACCOUNT TWICE. I HAVE ATTACHED THE PORTION OF MY EQUIFAX REPORT THAT CLEARLY SHOWS ITEMS XXXX AND XXXX ARE THE SAME ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issue several times, called the creditor and confirmed this is a mistake. What is it going to take to get this corrected with Equifax which is the ONLY company out of all three reporting such inaccurate information on this account. 

Account is under XXXX XXXX XXXX XXXX Paid charged off listed which is 110 % inaccurate this account was paid as agreed and NEVER went even late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received a notification that Consumer Portfolio Services , Inc added an unauthorized inquiry on my credit report. I would like the inquiry removed Immediately. I did not authorize them to run my credit. I also do not want any phone calls from the company. I only authorize communication by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was exposed in a mass data breach and then my car was broken into and someone stole my id and ss card and used it to open up accounts in my name. I submitted a police report and sent it in several times. I have taken all the appropriate steps now this a an office notice OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 
I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a derogatory mark for the XXXX/XXXX  account for the only Experian on XX/XX/2022 as late payment. The other 2 credit bureaus : XXXX  and XXXX display " OK ''. 

Experian report display an inconsistency with report. I would like to have this updated.
Product: Debt collection

I have been contacted by " COLUMBIA DEBT RECOVERY LLC DBA GENESIS '' about an alleged unpaid debt to an apartment complex. I have begun disputing the claim, however the debt collector is informing me of a 10 % per annum interest rate. Regardless of the validity of the debt, the initial account was NOT an interest-bearing account, as it was a lease agreement. My first communication to Columbia Debt Recovery included language stating that their attempt to apply interest to a non-interest bearing account was a violation of the FDCPA and requested that they cease attempts to collect extralegal amounts. The subsequent response from Columbia Debt Recovery made no acknowledgment of my statement and continues to include the interest that is being applied outside any terms of my contract with the initial account-holder.
Product: Debt collection

Account Name : NAVY FCU Account Number : XXXX, Account Name : XXXX XXXX XXXX Account XXXX
Product: Checking or savings account

See CFPB complaint number XXXX. This was NOT addressed by US Bank. They falsely stated I was informed the account closing process would take 10 business days. I am demanding the initial call recording be pulled where I was informed it would take five to 10 days to handle. My intial call was Monday XXXX XX/XX/2021. I detrimentally relied upon what I was told by US Bank ... they do not address that in their response. They DO admit, as they have to because the call is on record and I have proof of the same, I call to close an account on said date. The state I was told it could take up to 10 days. Let 's assume for a moment that is true ( which it is not ) then the account should have been closed and check mailed by XXXX XXXX ... it was NOT. US Bank correctly states the check was cashed on XXXX XX/XX/2021. In fact that is the day the check was received. So by US Bank 's own admission, they failed. They do not address this in their response.
Product: Payday loan, title loan, or personal loan

I am writing to file a complaint against TitleMax, a title pawn company operating in Georgia, for violating state and federal laws related to title pawn transactions. Specifically, I have discovered that someone other than the title pawn issuer, XXXX XXXX, has signed the written agreement for my title pawn transaction, on XX/XX/2022, with TitleMax ( parent company TMX, LLC ), which is a violation of Georgia law ( O.C.G.A. 44-14-410 ). 

This discovery has raised concerns that the transaction may be invalid and unenforceable, which could put me at risk of losing my collateral or facing other legal consequences. Despite my attempts to resolve this issue with TitleMax, they have refused to address my concerns or take any corrective action. I believe this is because TitleMax knew or should have known, prior to XX/XX/2022 that XXXX XXXX did not possess the required license to issue title pawns, without the supervision of a licensed broker. 

As a consumer, I believe that I have a right to fair and transparent financial services, and I am disappointed that TitleMax has failed to meet these basic standards. I am also concerned that other consumers may be similarly affected by TitleMax 's illegal and unethical practices. 

Therefore, I request that the Consumer Financial Protection investigate TitleMax 's business practices and take appropriate enforcement action, including imposing fines and penalties and requiring TitleMax to provide monetary restitution.
Product: Credit reporting or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were inaccurate accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud and inaccurate items on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never had any transaction history with these accounts listed below, so please help me remove these accounts including this incorrect information from my personal profile. A copy of my Bank Statements, Drivers License, and SS ID for my Social Security Number are all included in this request. Please help me resolve this issue as soon as possible. PLEASE DELETE THE FOLLOWING ITEMS : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX : XXXX XXXX XXXX XXXX  XXXX Account Balance {$0.00}. Im requesting that you follow the law by removing these inaccurate accounts and please provide me with a free updated credit report within 30 days. Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Bank Statements, Drivers License, and SS ID as verification of my ONLY address.
Product: Vehicle loan or lease

Dispute of Inaccurate Repossession Reporting Account # XXXX I am formally disputing the inaccurate reporting of a repossession on my credit file for account # XXXX, ** which was opened on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that all reported information is accurate, complete, and verifiable. However, I have identified multiple inaccuracies in the reporting of this account, including but not limited to : The date opened is incorrect. 
The high credit/original loan amount is incorrect. 
The date of the last payment is incorrect. 
There are discrepancies in how this repossession is being reported across the major credit bureaus. 

Additionally, the repossession itself was conducted improperly. I was not given the opportunity to retrieve my personal belongings from the vehicle, including valuable and irreplaceable memorabilia from deceased relatives. This failure to allow me access to my possessions further demonstrates that the repossession was not handled in accordance with proper procedures and raises further concerns about the legitimacy of its reporting. 

Because the information being reported is inaccurate, inconsistent, and unverifiable, I am demanding that this repossession be removed from my credit report immediately. I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter to ensure that my rights are upheld under federal law. 

Enclosed, you will find copies of my credit reports highlighting the discrepancies, along with my formal complaint to the CFPB. Please conduct a thorough investigation and provide me with written confirmation that this inaccurate and unjust information has been removed from my credit file. 

If this matter is not resolved promptly, I am prepared to take further action, including seeking legal remedies to enforce my rights under the law. I look forward to your swift response and resolution.
Product: Debt collection

I blocked many of their numbers. I called their number back and said to stop calling. Then afterwards got text messages instead, to which I replied " STOP ''. I started getting phone calls again after that and this time requested them to find my account number and info ( told them my name and phone number ). They refused to tell me anything and kept saying " we will stop calling you. '' Made it seem suspicious. The phone calls were constant, to the point of harassment. Disturbed my day-to-day activities and completing my job.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Debt collection

I have been disputing this account for some time now with Harvest Associates. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically cash app failed. To take timely and effective measures To prevent An address fraud on their platform leaving my account vulnerable and unprotect furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution require requirements under the electric fund transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  XXXX XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX/XXXX  Date of Inquiry : : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft WF/XXXX XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

I opened my checking account with TD Bank on XX/XX/XXXX. When I opened the account it was within a promotional period to receive {$300.00} bonus after certain conditions were met. 
1. New account holder that has not received a bonus within the last 12 months - condition met. 
2. At least {$2500.00} in direct deposits made within first 60 days - condition met - {$3700.00} in direct deposits made by XX/XX/XXXX 3. wait a maximum amount of time for bonus to post ( XX/XX/XXXX ) - condition met I had met all conditions and spoke to multiple customer service representatives in regards to where my bonus is but they just keep telling me to wait and that they will forward to promotion department. 
I have met all conditions and expect that my bonus be paid as is stated in the terms and conditions ( Which I do have screen shot copies of the terms and conditions )
Product: Checking or savings account

I have banked with Suntrust Bank for years and have always had the free checking and savings account. Now Suntrust and BB & T Bank have merged and has now become Truist. So now my checking and savings account has transitioned over Truist accounts. I see that my savings account was transitioned over to some type of money market savings and I was charged a {$7.00} maintenance fee XXXX XXXX. I didnt get any notifications of these charges or fees nor did I even agree to this type of account. I dont want any account that I got to pay {$7.00} a month for. I called customer service on XXXX XXXX and ask about this account, the charges, a refund for the {$7.00} etc. All they did was transfer me to department after department with no help of concern. And to add insult to injury XXXX of the customer service representatives had the nerve to tell me in order to avoid being charged another {$7.00} that I would have to deposit {$1000.00} into that account, after I had already stated that I was on a fixed income and that I didnt sign up for this money money account with this maintenance fee.
Product: Credit card or prepaid card

I locked my Capital One XXXX card. No recurring payments were made with the card during the lock. The card was not used for any purchases or payments during the lock. 
While the card was locked, Capital One charged the annual fee to the account in XX/XX/2022. No notice was given that the card now had a balance. No notice was given that the annual fee was applied to the account. Therefore, I was unaware of the charge. I did not pay off the balance or make any minimum payment. The annual fee then incurred a late payment fee, interest and, ultimately, a derogatory 30-day late payment mark on my credit score. But for the significant drop in my credit score, I would never had known the Capital One card carried a balance.

I contacted Capital One by email and requested a removal of the derogatory credit mark for the late payment of the annual fee. I received a call back from XXXX ( XXXX ), who told me that my request to have the derogatory mark removed was denied. XXXX would not respond to my email or confirm the denial in writing. XXXX refused my request for the audio recording of our call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$0.00}
Product: Credit reporting

Equifax is reporting my previous mortgage which is paid in full, as 30 days past due, which is impossible. I called Equifax and spoke with XXXX who literally had no clue. She kept referencing the wrong mortgage company ( XXXX vice XXXX ) and told me that she does not see what my report is stating. She also stated that what she sees and what I see are totally different which makes no sense. I am engaging CFPB before I engage legal resources to document I filed with CFPB. 
From Equifax : ( note loan is paid in full however current status is 30 days past due ) Once again current status, not the history of the loan is 30 days past due on a loan that has been paid in full. 
Name : XXXX Acct # : XXXX Credit Limit : n/a Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : PAYS 31-60 DAYS Hide Details XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Number : XXXX Current Status : PAYS 31-60 DAYS Account Owner : Individual Account. High Credit : {$330000.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. Installment loans have a fixed number of payments and the same payment due each month, such as a mortgage, car loan or student loan. Option loans require that the entire balance be paid each month. : Mortgage Credit Limit : N/A Terms Duration : 30 Years Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$1800.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 2 Creditor Classification : Activity Description : N/A Charge Off Amount : {$0.00} Deferred Payment Start Date : Balloon Payment Amount : {$0.00} Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, 81-Month Payment History No 81-Month Payment Data available for display.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XX/XX/year> Experian, XXXX, XXXX Subject : Dispute of Late Payment Report Request for Correction Dear Sir/Madam, I am writing to formally dispute the accuracy of a late payment entry on my credit report. The specific entry in question is under the account [ Account Name # XXXX ], reported by [ XXXX XXXX  XXXX. According to my records, the information is incorrect, and I am requesting an immediate correction. 

**Legal Basis for Dispute : ** 1. **15 USC 1681 ( a ) ( 1 ) ** : This section mandates that credit reporting agencies ensure the accuracy and fairness of the information contained in consumer reports. The erroneous late payment entry on my report is neither accurate nor fair. 

XXXX. **15 USC 1681 ( a ) ( 2 ) ** : This section emphasizes the need for the reporting system to be fair and equitable XXXX Reporting an incorrect late payment undermines the fairness and equity intended by this law. 

XXXX. **15 USC 1681 ( a ) ( 3 ) ** : It is required that consumer credit reports are to be used in a manner that is appropriate and just. An incorrect late payment mark is an inappropriate and unjust use of my credit information. 

XXXX. **15 USC 1681 ( a ) ( 4 ) ** : The section outlines the importance of maintaining the confidentiality, accuracy, relevancy, and proper utilization of credit information. The current late payment entry fails to meet these standards, particularly in terms of accuracy and relevancy. 

XXXX. **15 USC 1681 a ( d ) ( 2 ) ( A ) ** : This provision excludes certain types of consumer information from being reported if they do not meet the criteria for accuracy and completeness. Given that the reported late payment is inaccurate, it should be excluded from my report. 

XXXX. **15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) ** : The code specifies that information must be reported with maximum possible accuracy. As this late payment entry is erroneous, it fails to meet this criterion and must be corrected.

**Requested Action : ** In light of these regulations, I request that [ Experian, XXXX XXXX XXXX XXXX investigate and correct this error promptly. I have attached relevant documentation ( e.g., payment receipts, correspondence with the creditor ) to support my claim. 

Please provide written confirmation of your receipt of this letter and an update on the status of my dispute within the time frame mandated by the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. Should you require further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Fraud Department unfortunately has not corrected errors in my Equifax Consumer report. XXXX/Department of Education was a loan that was fraudulent opened by a closed school and opened in my name.