23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection for a debt I did not owe. I called the agency in XX/XX/2023. On XX/XX/2023. I called the agency to dispute the debt and was told I didn't need to do anything further they would note it on the file. I contacted the original creditor and received confirmation the collection was an error and they would take care of it with the agency. On XX/XX/XXXX the agency put the collection on my credit report. I called and they requested the information from the original creditor be sent via email- I sent it and requested receipt confirmation which I have no received and they are not answering their phone or responding to me. This never should have been put on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been going back and forth for the last few months with Experian about these particular accounts and it's ridiculous. It needs to be removed ASAP. Experian has stated my account was properly investigated but how is that possible if the information on my Dept of Education Account # XXXX is inaccurate. How was it even possible to be 90 days past XX/XX/XXXX then reflect that the account was in good standing up until XX/XX/XXXX but have the account reflect that it was 120 days late in XX/XX/XXXX this is ridiculous. The information all over the XXXX XXXX Account # XXXX is inaccurate. The high balance is inaccurate, the date of last activity is inaccuarate, the date reported is inaccurate, the date opened is inaccurate, the last payment is inaccurate, and the credit limit is inaccurate. Literally Experian is claiming the account was not charged off until XX/XX/XXXX, XXXX is claiming the account was charged off XX/XX/XXXX and they received the last payment XX/XX/XXXX, and XXXX Is claiming the last payment received was on XX/XX/XXXX. The information is all over the place. Experian is literally the only credit bureau claiming that my XXXX XXXXXXXX XXXX Account Number XXXX was closed/charge off in XXXX when it should be XXXX they have the date wrong the XXXX XXXX XXXX account is literally supposed to fall off credit this month due to the 7 year rule but they literally have the wrong information and tried add another year to XX/XX/XXXX. It has literally fallen off my other credit reports lets stop the XXXX XXXX and properly do your job Experian. This is ridiculous I shouldn't have my life XXXX near ruined due to your incompetence. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy XXXX5 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish without my written instructions.
Product: Mortgage

This is a continuation from case number : XXXX and case number : XXXX. 
The issue : My account is showing as past due. My credit report is now showing 30 days past due - causing my credit score to drop and I have a late charge on my account. 

Situation : XX/XX/XXXX - XXXX XXXX- Received a call from XXXX, she let me know XXXX is no longer with the company. She is reviewing my calls. She hopes to have the issue resolved by this XXXX  XX/XX/XXXX. 
XXXX XXXX XXXX- I called XXXX and left a vm asking for her to return my call.

I checked my account online and it's not updated. I let her know this is the 3rd call I've made to her without a response. 
XX/XX/XXXX XXXX - XXXX called me and let me know a credit was placed on my account for {$1300.00}. XXXX said is going to advocate for a full monthly payment to be credited to the account. She will follow up with me on Wednesday XX/XX/XXXX or Thursday XX/XX/XXXX the following week. She also let me know she would remove the late fee on the account ( XXXX, XXXX, XXXX ) Please review ALL calls. 
XXXX and I spoke multiple time on XX/XX/XXXX because we were not in agreement with how the money was lining up on the account. 
XXXX never followed up with me to confirm if the full payment would be credited, it wasn't until I received a note on my door on XX/XX/XXXX and called in that I found out nothing was done. Since then, I've called XXXX three times left a voicemail each time and I have not received a follow up call yet. A field inspector came to my house and left a note on my door to call Loan Care - That is unacceptable considering all the back and forth communication I've had with the company. That tells me there are not clear notes on the account.
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 XXXX XXXX Account # XXXX. 
XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance is incorrect XXXX XXXX XXXX  should be {$730.00} balance
Product: Debt collection

XXXX XXXX XXXX XXXX SSN This account is held by Pollack & Rosen XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number XXXX Filing a small claims suit on a statue of limitation credit card in Florida the statue of limitations is five years Florida is a debtor state and this can not be collected on after the bank XXXX XXXX has written it off after seven years
Product: Credit reporting or other personal consumer reports

XXXX XXXX there was a credit card they say I have that I never signed up for nor have a card on XX/XX/2023 I asked them to remove it and did a dispute with them and they are saying it accurate with that being said I asked them to prove to me that I was the one to open it and they can't I called them XXXX times and got hung up on I would like this off my XXXX and taken care of.. XXXX is a hard it I never did as well as XXXX XXXX
Product: Debt collection

Inaccurate reporting of a tradeline to all XXXX CRAs. Refusal to validate debt as required by law. Inaccurately reporting to all XXXX credit bureaus. Have not validated account/inaccuracies between reporting for all XXXX bureaus. Incorrect Account On Credit Report from XXXX XXXX XXXX Credit card account with the account is showing on all XXXX bureaus. They are all also showing different information for activity, status, and history. Payment history on all XXXX agencies XXXX, XXXX, and XXXX do not align. There are multiple charge off dates, as well as dates closed. I have contacted multiple times requesting the history and paperwork for this account and given no details on this account or information that is validating. No contract has been received by me, showing that I opened this account. Creditors are required to report accurate information to all XXXX CRAs, and Portfolio Recovery is not in compliance as required by law.
Product: Credit reporting

According to TransUnion the have in Public Records under docket # XXXX stating I file a chapter XXXX in XX/XX/2009. I did not and I am faxing over my police report as proof that my identity was used without my permission.
Product: Debt collection

Being told from XXXX and XXXX also XXXX that they cant remove these negative reports from from credit reports
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, XXXXXXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Collecons : 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 XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  Name : XXXX XXXX XXXXXXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Equifax Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am refilling this complaint to EQUIFAX with CONFIRMATION number XXXX for allowing fraudulent account and unauthorized inquiry on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account and unauthorized inquiry are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Bank account or service

I am an account holder with TD Bank. I sought to deposit a number of checks yesterday at the branch located at XXXX XXXX XXXX XXXX XXXX PA XXXX, including XXXX check that my husband signed over to me. My husband was with me and showed them a valid PA driver 's license for ID. They refused to deposit it and then refused me any service at all when I insisted that they provide me with this simple banking service. The branch manager was completely unhelpful and unaware of and uninterested in basic banking regulations and my rights as a consumer. Decent customer service was absent. I called the XXXX number for customer service, and there was no satisfactory result. I was told that I could not speak to an upper level supervisor, the person with whom I was speaking would not identify himself other than a XXXX name ; and he refused to provide a control number for the call. I will be closing my account and taking my business elsewhere. I advise others to avoid this institution.
Product: Credit card

I purchased a club membership with BJ 's wholesale club on XXXX XXXX, using a coupon code to get the discounted charge of {$20.00}. I checked my credit card activity online ( Comenity Bread XXXX XXXX ) and saw that I was charged {$55.00}. I contacted BJ 's customer service on XX/XX/2024 and explained that I did not want the membership at that cost. I was told that the membership would be cancelled and the refund would be applied to Comenity Bread XXXX account within 2 I checked the BJ 'S website a few days later and saw that the BJ 's account showed as active. Once again, I contacted BJs customer service and was told that my account was being cancelled and to be patient about the refund. 

On XX/XX/XXXX, after not being credited on my credit card account for this cancelled membership, I contacted Comenity Bread XXXX customer service to start a dispute about this charge. Within a week, I received a letter from Comenity Bread XXXX that my dispute was being researched. 

After many emails and phone calls with BJ 's wholesale club, I filed a XXXX XXXX XXXX complaint against BJ 's, which so far has not resulted in my receiving the {$55.00} membership fee.

On
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

After ongoing disputes, XXXX and Transunion have reported inaccurate information to my credit file. I have recorded and expressed several complaints regarding the inaccuracies, and are willfully reporting information that is harmful to my ability to extend my credit. I have attached and highlighted the inaccuracies in my credit report in the attachments.
Product: Debt collection

I received notice on XX/XX/XXXX that I had an account in collections. I didnt recognize the company and knew Ive been paying bills on time. So I reached out to the company and asked what account could I have in collections? I was told it was an old account from XXXX from XXXX XXXX XXXX tv service. Its an old debt they received in XX/XX/XXXX. I stated this account was paid off Back in XXXX. I asked if my account was with them since XX/XX/XXXX why is this the first Im hearing of this? The male rep stated they never sent out any correspondence to me. No letter, no phone calls, no nothing. So I asked them to take it off my report. The man said he would do so but didnt know when it would occur. This has caused my credit score to decrease 40 points. This is hurting me since Im trying to buy a home but this reduced my credit.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe three credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX Balance : {$3000.00}
Product: Credit card or prepaid card

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT Today I am taking action by filing this complaint regarding my XXXX XXXX that is financed through Barclay 's bank. The first thing I noticed is that Barclay 's took over the XXXX XXXX and didn't inform us. Barclay 's did not alert us. I have the majority of my credit card bills physically mailed to me, so when they took over they had to have switched to e-bill without my consent and I missed two payments because the bills were not physically mailed to us. I called customer service and they set me up on one of their programs for three months which was supposed to prevent me from getting fined for late payments. Apparently, this customer representative also added in a clause that I would pay approximately {$150.00} per month- this was done without my consent but I did consent to the program he offered. This representative also waived the late fees ( I think ) because we've consistently been charged as late payment and have received late fee charges. For the next 3 months, I received monthly statements that said I was late in my payments when in fact I had paid {$300.00} in one month. There were several other unexplainable discrepancies so I called customer service. While talking to customer service, I realized while looking at my bill that Barclay 's has been charge me double interest!!! Customer service said she would have a manager or supervisor call me regarding this problem. To this day I haven't spoken to any representative. I did receive a letter in the mail stating that they were aware that I had concerns about my account and that I should called customer service again to address my concerns. THAT'S IT
Product: Debt collection

This is a complaint against Datamax Corporation ( Collection Agency ), XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Datamax Corporation is in violation of the North Carolina Consumer Protection Laws regarding the requirements of collection agencies having a license, bond, or both to be able to collect in the state of North Carolina. The North Carolina XXXX XXXX XXXX website shows Datamax Corporations XXXX # XXXX, XXXX  State ID # XXXX as an Inactive status with an expiration date of XX/XX/XXXX. 

I find that this collection agency is deficient in this requirement. Therefore, I request that Datamax Corporation be removed from my credit reports ( XXXX, XXXX, XXXX ) immediately. Ive already sent a HIPAA Collection Agency Validation, Dispute, Cease & Desist Letter to Datamax Corporation and the Original Creditor XXXX XXXX XXXX on XX/XX/XXXX via certified mail and have given both the opportunity to honor my request within 10 days of receipt of my letters, but still have not received any response from either company, or an update to my credit reports ( XXXX, XXXX, XXXX ). 

Any assistance from you in regard to this matter, will be greatly appreciated. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Will not send title and bill of sale Please do a search on XXXX  for Audi finance, there are multiple complaints I paid off my car in XXXX. 

Is this a possible class action?
Product: Debt collection

Hello CFPB, I was recently notified of my personal information was apart of that huge XXXX   breach. So the steps that I took was pulling my credit report to look over everything on all 3 credit bureaus and noticed accounts that are definitely NOT mine. I've had to freeze all credit bureaus and send out dispute letters certified in the mail to all three credit bureaus and validation letters to the unknown credit collectors. One of the original collectors on just my Experian report is really shady, meaning i looked them up on XXXX search and they are permanently shut down and the collector for this so called original collector website is unsecured, so I didn't want to go much further. I did send out a certified verification letter to this collector stating that they need to verify that this account is mine, because i have never in my life heard of them or the original collector. I also know for a fact that I did not initiate any kind of loan or credit card at this time in my life. This creditor is names XXXX the collectors name is XXXX XXXX XXXX. Both of which I have never once heard of and know for a fact that I never applied for any sort of cc or loan with these companies at any point in my life.I do have copied of these certified receipts from USPS and screen shots of the investigation on XXXX that I have done concerning these two companies. I have asked the 3 credit bureaus to make sure and get validation for all unknown creditors on my credit reports. 
By validation, they need to send me proof of my actual signature of these so called debts that they are reporting. I do know my rights and I do know that I have been a victim of Identity theft and now, this has put such a burden on my life, with freezing all credit bureaus and now i have to pay {$29.00} a month to monitor my credit report, so nothing else is added that isn't mine. As of right now it seems as nothing has been done, but i know for a fact that the credit bureaus have received my certificated and notarized verification letters. The sad thing is, that They continue to keep this false information on my credit report and seem to take this lightly, as of right now all three main credit bureaus have just 2 more weeks to finish their verification. If you would like to see the information about this particular creditor that I am speaking of above, please feel free to contact me.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX This account has never had any late payments made by me. I have always had this account on autopay to take atleast the minium payment. I have not been in any sort of financial troubles. The current company is not the company that reported that missed payment. My account was sold to this company. I asked the furnishing company, TransUnion, XXXX and XXXX to provide me valid proof of a 30 day late payment. All these companies simply responeded by saying the account is valid and reporting accurately. I submitted a compalint back in XXXX of XXXX  and the furnishing company just responded by saying the account is reporting accurate. I have also disputed with all 3 credit bureaus. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING THIS CREDITOR ON MY CONSUMER REPORT XXXX, WHICH IS XXXX XXXX, IT WAS BOUGHT BY XXXX XXXX XXXX THEN SOLD TO XXXX XXXX XXXX, I HAD RECEIVED A LETTER FROM THE XXXX XXXX XXXX WITH THIS SAME ACCOUNT ALSO XXXX XXXX XXXX STATING  THAT THESE ACCOUNTS WILL BE DELETED FROM MY CONSUMER CREDIT REPORTS. I AM NOT UNDERSTANDING WHATS THE PROBLEM I HAVE MY PROOF MY LETTER FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS STILL SHOWING AGAIN ON ALL THREE OF CRA, THE U.S.C . 1681 THIS IS A DEFAMATION TO MY CHARACTER AND LIVELIHOOD.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX ) XXXX, XXXX, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602a. States I have a right to privacy.

15 U.S.C 1681 section 604a section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On XXXX XXXX, I purchased {$94.00} of goods on XXXX website, and they received my payment. 
the payment for this goods is made through PayPal. 
But the goods have not been received for more than two months. 
We were also unable to get effective contact and complaints from suppliers and PayPal.