23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have contacted PayPal Credit ( Synchrony Bank ) multiple times regarding an ongoing issue with a dispute. Each time I call, I receive different information from different customer service representatives. I also have messaged them several times on their secure messaging system, and those customer service representatives also provide me with conflicting information. The customer service representatives on the phone are robotic and untrained. I ask specific questions regarding issues and they continue to repeat the same information to try and get me off the phone. The only time I got anyone professional was when I spoke with a manager, but still 10 days later and I don't have any updates. I am being charged interest on something that should not accrue interest, and I am still unclear as to why my dispute has not be resolved already. The initial dispute for {$260.00} with the service provider should have long since been resolved in my favor, as I have made additional payments to the provider to replace those funds and have explained this to the bank. The service provider has also verified that the funds have not been returned to them, which means that I am being charged {$260.00} for a service I am not receiving and it's accruing interest on top of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a lawful consumer and my information and report was misused and I have false not 100 % accurate accounts and info on my credit report. 

I asked them to do a verification of everything on my credit report and they did and sent a generic response saying it was accurate. I did research myself and found inaccuracies on my report even after they said they did a full research. 

According to FCRA all have 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 says consumer reporting agency can not furnish an account without my instructions and consent. I was not given the opportunity for my information to not be shared and am now demanding that these items be removed including the following items : XXXX  XXXX XXXX XXXX  XXXX XXXX USDA XXXX USDA XXXX USDA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many violations on my consumer report that goes agaisnt FDCPA, XXXX XXXX XXXX XXXX. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, XXXX XXXX. XXXX ( a ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This has caused emotional stress simply because the credit report agency are not going through the proper steps to report these accounts. All these accounts require abritation according to their policy and can not be reporting or submitted to a collection agency or as charged off to attempt to sell my information. 

As this my XXXX time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Debt collection

Nations Recovery violated several debt collector laws. XXXX. They never verified if they had the correct person when they contacted me and gave personal debit collection information without verifying if I was the correct person. XXXX. The person never stated in the beginning this is an attempt to collect debit and the call may be recorded and monitored. The person stated this 10 minutes into the call. XXXX. I asked for verification of debt and he stated he would not send it. XXXX. He lied about laws of NY State debt collection and stated to me they will go after MD for XXXX years and not the 7 year limit since date of first delinquency. He also stated he gets money from people that are XXXX from their social security income 70 % of the time after they die. After I explained to him all of these illegal debt collection laws he violated on this XXXX phone call, he hung up right away
Product: Debt collection

WAKEFIELD & ASSOCIATES also known as XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX have falsely stated on all 3 Major Credit Reports that a debt of {$880.00} was first opened in XX/XX/XXXX when it was actually opened back in XXXX when I resided at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. To prove this debt is old and outside its statute of limitations I have attached a letter I wrote inXX/XX/2013 I was threatened with eviction because of delinquent rent. I wrote a letter stating when I would vacate the premises so I could avoid an eviction. I have tried to dispute this with the credit bureaus and with the company to no success.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] SHOWS BALANCE UPDATED ( {$740.00} ) FOR A CLOSED ACCOUNT ON XX/XX/XXXX. DATE OF FIRST DELINQUENCY BEING ILLEGALLY CHANGED AND DATED FOR XX/XX/XXXX. CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] SHOWS BALANCE UPDATED ( {$740.00} ) FOR A CLOSED ACCOUNT ON XX/XX/XXXX. DATE OF FIRST DELINQUENCY BEING ILLEGALLY CHANGED AND DATED FOR XX/XX/XXXX. CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED ON SEVERAL OCCASIONS TO GET THIS MATTER OF BANKRUPTCY RESOLVED WITH EXPERIAN CREDIT BUREAU AND CAN NOT GET THEM TO VALIDATE NOR VERIFY THE INFORMATION THEY HAVE ON THE BANKRUPTCY ON MY CREDIT REPORT AND ACCOUNTS ASSOCIATED WITH THE BANKRUPTCY. ALL I WANT THEM TO DO DO IS SEND ME SOMETHING WITH MY SIGNATURE VALIDATING OR VERIFYING THAT THIS MY BANKRUPTCY, THEY WILL NOT, I HAVE SUBMITTED A COMPLAINT BEFORE DATE XX/XX/XXXX COMPLAINT NUMBER XXXX PLEASE USE THE ABOVE COMPLAINT DOCUMENTS IF NEED
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XXXX XXXX to Experian, XXXX, XXXX, tracking number for each letter Experian # XXXX, XXXX # XXXX, XXXX XXXX, to remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I HAVE THE RIGHT TO PRIVACY. Also according to the 15 USC 6802 NO FINANCIAL INSTITUTION IS NOT SUPPOSE TO SHARE MY INFORMATION TO THIRD PARTY PEOPLE These are clear violations of my federally protected consumer rights
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Hope you good Im reachin out to tell you I dispute the debt under the Fair Debt Collection Practices Act No need for more proof or documents Im just lettin you know I aint with it If you need to reach me do it by email only Monday to Friday from XXXX to XXXX east coast time Anything else like live calls voicemails or sendin mail through USPS XXXX or XXXX is just too much of a hassle Thanks for XXXX XXXX
Product: Mortgage

I was forced into making a payment arrangement with M & T Bank when they knew my situation and they made it worse by returning my XXXX payment and making me enter into an agreement that they know I can't meet because I'm on a fixed income and I'm paid on the XX/XX/XXXX of every month. The arrangement they forced me into is a payment of {$490.00} on the XX/XX/XXXX of the month. I get paid on the XX/XX/XXXX of the month, how can I make payments on the XX/XX/XXXX? The original contract is for {$400.00} monthly. I should receive my lump sum check by XXXX or XXXX.
Product: Debt collection

I was told of a debt on the credit report for radius global a collection agency. I called them to find out about debt and settle it and the phone number hooks you to XXXX XXXX which they say is the people for radius global they conned me into sigining up for a dispute which was XXXX down and XXXX a month i told them one month and then they refused to cancel the service after one month it seems fishy they are the creditor and the credit repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was affected in the XXXX  Breach. Since then Ive had all sorts of predatory loans popping up on all of my credit reports. 
I have disputed XXXX XXXX as an account which was not mine several times .With XXXX  , Trans Union , and XXXX. 
Each time I would dispute, the investigation would result in deletion of the account as XXXX XXXX is not able to verify. 
However, dispite XXXX XXXX  ability to verify, Here we are a year later and these agencies have allowed the company to reinsert the debt without validation, or the 60 notification I am legally required to recieve from transunion. 

According to the fair credit protection act, if a consumer disputes an account, and the account is found to be inaccurate, and deleted, both the reporting company and the reporting agency must notify me in writing if the same company tries to re insert the debt after they failed to verify. I have never been notified by any of the violating agencies that this company intended to reinsert this debt after deletion. 

These Agencies, who are suppossed to protect the comsumers continue to fail me wtih their security breaches and lack of due diligence. 
Case in point is, all three agencies are claiming that their information is correct and verified, dispite the fact that they are reporting varying information All three agencies are reporting a different amount for the SAME account named XXXX XXXX ( South Carolina ) Tranunion reports the account balance at {$390.00} XXXX  {$300.00} XXXX  {$480.00} All three numbers can not be right, nor can all three agencies be correct, so in fact all of the agencies are reporting knowingly reporting inaccurate information. 
Specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}. 
To add insult to injury, if you call XXXX XXXX they will tell you that they no longer own the account, and that a 3rd party company ( not listed on the report ) does and they will give you a number to XXXX XXXX  When you call that company XXXX, they will tell you the account is closed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in contact with Experian since the beginning of 2019 when I notice a Bankruptcy reporting to me credit report along with hard inquires listed below. There only response was that this information belong to me and was verified. I demanded the method of this investigation contacted the Illinois XXXX XXXX  and they said they were not reporting this information. This has hurt me tremendously I've been denied credit and turn away from living and job opportunities. 

hard inquiries include : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. 

ALSO THESE ADDRESS ARE REPORTING TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL ; XXXX XXXX XXXX XXXX IL XXXX COLLECTIONS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : THESE NAMES XXXX XXXX, XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  IL XXXX INQUIRIES XXXX XXXX, XXXX, XXXX XXXX, XXXX
Product: Debt collection

I was first contacted by RPM ( Receivables Performance Management ) on XX/XX/2022 from the number XXXX. I verified who I was and they refused to state what company they were with, who they were, or why they were calling. I called the number back and was able to determine who they were and dealt with the individual on the phone. However, at no point did they ever inform me I had a right to dispute the debt nor did they provide any type of written communication to me ( they say my mail was returned, however I have been receiving mail at the address they verified for months with no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US CODE 1681 A I did not provide permission for none of these items to be place on my report and it isjeopardizing my character as a consumer. In addition these accounts are also affecting me XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,
Product: Debt collection

I am writing to file a formal complaint regarding the actions of TrueAccord Corp., a debt collection agency that has been attempting to collect a debt related to an account originally with XXXX, ending in XXXX. According to their records, the amount owed as of XX/XX/year>XXXX  was {$400.00}, with an additional {$15.00} in fees, bringing the total debt to {$410.00} as of today. 

Details of the Complaint : Debt Collectors Name : TrueAccord Corp . 
Original Creditor : XXXX Account Number : Ending in XXXX Amount Owed as of XX/XX/year> : {$400.00} Additional Fees Charged : {$15.00} Total Amount Currently Owed : {$410.00} Address on File for Me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX However, I would like to point out that the debt in question is now over 10 years old, dating back to XX/XX/year>. Under California law, as well as the Fair Debt Collection Practices Act ( FDCPA ), the statute of limitations for collecting a consumer debt is generally 4 years for open-ended accounts like credit cards or service agreements. As this debt has surpassed the statute of limitations, I believe the collection efforts being made by TrueAccord Corp. may be in violation of the law, as they are attempting to collect a time-barred debt.

I am concerned that TrueAccord Corp. may be : Engaging in actions that violate the statute of limitations by attempting to collect on a debt that is no longer legally enforceable. 
Failing to provide proper validation of the debt as required by Section 809 ( 15 U.S.C. 1692g ) of the FDCPA. 
Misrepresenting the enforceability of the debt under Section 807 ( 15 U.S.C. 1692e ) of the FDCPA, as time-barred debts are no longer legally collectible through the courts.

Given that the statute of limitations for this debt has passed, I respectfully request that your office investigate TrueAccord Corp. for potential violations of both state and federal laws related to the collection of time-barred debts. 

Please let me know what the next steps are in this process and how I can further assist in addressing this matter. Thank you for your attention to this complaint. I look forward to your response.
Product: Debt collection

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws.
Product: Credit reporting or other personal consumer reports

I use to have a credit score with all 3 major credit bureaus. My credit score disappeared from my Experian report, and they clam it because i have limited credit. I checked with my creditors and they say that they are sending Experian a report monthly, and it should be showing up on my report, but Experian is still not showing anything
Product: Mortgage

Rushmore Loan Servicing paid the wrong property taxes for my property in XXXX of XXXX, accoding to XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX  they returned the check as they noted it was for the wrong parcel and for the wrong amount. Rushmore never took any action to contact myself or the township to ensure the property taxes were paid. 

On XX/XX/XXXX I was notified that the taxes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was late and that it needed to be paid prior to XX/XX/XXXX or the house would go into a tax sale. 

I contacted Rushmore on XX/XX/XXXX they stated they would have it rectified in 10 business days. 

I contacted Rushmore tax dept ( XXXX ) again on XX/XX/XXXX they stated that I needed to check back the next week and it still hadn't been completed. 

I called Rushmore again on XX/XX/XXXX after seeing that the taxes were still not paid on my onilne account. The rep " escalated it '' and stated that it would be handled by XX/XX/XXXX. 

I caled Rushmore for the fouth time today on XX/XX/XXXX and the rep again in the tax department stated it was unpaid and that the taxes were still not paid. 


At this point my property is most likely going to a tax sale, due to a complete lack of execution for a company that has three jobs, collect my money, pay my insurance and pay my taxes. Furthermore, this should have been rectified in XXXX of XXXX when the tax check they sent was returned to them. 

Their info is included below for your records. 

XXXX XXXX Rushmore Loan Management Services LLCXXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific fraudulent accounts on my credit report due to a data breach that has compromised my personal information. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information removed to protect my credit report from the impact of unauthorized accounts. 
Details of the Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a debt that was added to my credit report under a different name. It was under XXXX XXXX the first time, not its under XXXX XXXX. They did not send me a right to dispute letter, nor sent me validation of the debt. XXXX XXXX could not provide that information years ago. This was years ago that this was removed from my account. This is the second time XXXX  and Equifax has let invalid debt be put on my account. This is not a vaild debt. I asked for verification of this years ago. I had to file a complaint here to get them to take care of it the last time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXXAccount # 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.