23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On a XXXX balance credit card which I do not monitor I was charged incorrectly for a recurring yearly charge by XXXX XXXX, which I had cancelled in XX/XX/XXXX.  However, without my knowledge or consent XXXX XXXX charged me yet again the following two charges the following XX/XX/XXXX XX/XX/XXXX {$99.00} XX/XX/XXXX {$140.00} Only when the credit reporting agency alerted me of the 30 day late payment notice did I even realize that I was incorrectly charged, I called XXXX XXXX and they admitted their error and reversed the charges immediately. I complained to all 3 credit reporting agencies of this error and they sided with Capital One. This was inconceivable as the agent on the phone assured me that they would explain the mishap to the credit agencies and that the error would be corrected. This however was not the case, which is why I have escalated my claim to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Control Corp/ R & B Corp has unlawfully reported this debt on my Federally protected consumer report according to 15 USC 1681 ( a ) ( 2 ) Also, according to 15 USC 6802 B, there is no law that legally states you as a " person '' or " corporation '' may report ANY of my consumer transactions to any non affiliated 3rd parties. As an affiliate per 15 USC 6802 ( a ) to the corporation whom you purchased this debt from, it has been labeled unlawful to share this consumer transaction to any 3rd party affiliate in which you have unlawfully done via my consumer report. 

Per 15 USC 6802 ( B ) to collect this debt lawfully I request you provide to me, the consumer, all the written opportunities provided from the original corporation, XXXX XXXX, SENT TO ME, that my consumer transactions will be disclosed to you, corporation and 3rd party consumer transaction reporting corporations. Per 15 USC 6802 ( C ) provides to the consumer the given explanation of how the consumer can exercise a nondisclosure option. To validate the debt, I command you forward this TO ME as well from the original corporation IMMEDIATELY. 

Credit Control Corp/ R & B Corp XXXX practices have deprived my life and deprivation of my life is unlawful per the United States Constitution. All correspondents to and from you have been recorded and saved and will be used against you in a court of law with damages being requested to the full amount if this NEGATIVE REPORTING ACCOUNT # XXXX is not DELETED immediately. 
15 USC 1692 ( k ) Civil Liability - ( a ) Amount of damages, Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX   XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADRESSES ARE MY OLD ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Old number and is no longer mine : XXXX *****MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. DEPT OF EDUCATIONXXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX WY XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX Balance : {$780.00} ; XXXX  XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Public Record on my credit report for a bankruptcy that dies not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they sent me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. Please remove this item off my credit report please.
Product: Debt collection

I have been contacted by mail from XXXX representing National Collegiate Student Loan Trust on XX/XX/XXXX. They are asking for balances of {$26000.00}. This is the same company that tried to collect from us back in XX/XX/XXXX. These are loans obtained while attending school. Not student loans. Notice was mailed to them on XX/XX/XXXX to stop contacting us on a loan that was discharged in a bankruptcy in XX/XX/XXXX. According to a letter sent to us and a phone conversation from XXXX XXXX regarding these loans I nor my husband XXXX XXXX owe anything to NCSLT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX and 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 1681 Section 611 5 Section ( A ) ( I ) : states that any information disputed by a consumer that can not be verified or found inaccurate shall promptly be removed. This account shows as open when it is closed
Product: Checking or savings account

I have had several online gambling sites that describe themselves as " sweepstakes prizes '' lure me into believing they were somehow just gaming sites. I know this sounds pathetic but I ended up sending my debit cards ( photos ) and bank statements to several of these websites after being asked to prove my identity. Not long after money was flying out of my account as soon as it went into it. I get Social Security. I also live in XXXX XXXX My income is fixed and my bills are as of this moment 3 months overdue because I have my XXXX XXXX deposited to " SOFI BANK, NA '' who has basically ignored my begging them to block these transactions. There customer service is often confusing to me. I have mental health issues and have to have someone communicate on my behalf. The system they use to verify transactions is confusing at best. I just want to on behalf of all XXXX individuals say that SOFI bank has me homeless this month.
Product: Debt collection

XXXX XXXX XXXX first appeared on my credit report and at the register of deeds office in XXXX county N.C. as a lien holder to my property in XX/XX/XXXX. There was no lien or second mortgage on my property or credit report when I applied for a loan from XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX, nor in XX/XX/XXXX when I did a home modification loan with my current mortgage holder. I have never had prior contacts about payments or any arrangements with XXXX, not XXXX cent, contrary to the statements that I last paid them on XX/XX/XXXX. 
How could this be when I get another statement saying that the statute of limitation had expired and they could bring no legal action to collect this debt. 

I only became aware of this so called XXXX lien when I applied for a reverse mortgage loan in XX/XX/XXXX from XXXX XXXX XXXX loan officer for XXXX XXXX XXXX ( loan # XXXX ). I wrote the credit bureaus and they removed XXXX from my credit reports. XXXX then contacted XXXX and requested a " Quit Claim Deed ''. After his initial contact with XXXX Rep. " XXXX '', she refused to reply to any of his repeated communication attempts ( phone calls, emails, letters, or faxes ). My loan stalls because of this unresolved issue. 

I did have a second mortgage with XXXX XXXX XXXX, but that was included in my bankruptcy ( Ch. XXXX ) in XX/XX/XXXX and should have been dismissed. My last payment to XXXX ( XXXX ) was in XX/XX/XXXX. I thought it was taken care and after more than 12 years it pops up out of no where. 

Can you help me resolve this issue without being taken advantage of? 

Please and Thanks
Product: Debt collection

XXXX XXXX XXXX XXXX is still trying to collect debts that have been resolved by the court or paid for. XXXX XXXX shows one debt as being paid and the other the cost ruled in my favor to have the county pay for the debts. 
There are multiple debts this company is claiming which are false. The paperwork supplied by me shows it as paid and the county to pay the other from two different hospital stays one in XXXX and the other XXXX both from 2018.
Product: Debt collection

Account is not mine, had already resolved with another company. Now they have caused me to lose a mortgage approval, over an account that was never mine!
Product: Debt collection

They keep calling me and threatening arrest etc. its abusive behavior and language they wanted me to send gift cards
Product: Credit card or prepaid card

I DID NOT apply for a Chase Credit card i get a letter saying they need more personal information from me.. they need copies of drivers license or other government ID or passport or marriage/divorce certificate a social security card copies of all utility bills water, electric, gas, sewage, cell phone, internet or cable bills and last 3 copies of paystubs?? Basically my entire life they want me to mail to them?? NOT happening! I did a XXXX search on the phone number lots of people complaining of fraud and the call takers asking for all this info be sent to them? Their hours are only XXXX? seems strange for a large credit card company. I would like this checked out please?!
Product: Debt collection

Your organization closed this response with the company responded. They responded with giving me a list of dates and amounts not addressing who, what or where.They list an account opened one year past with no activity until a year later whereas within one month there were transactions that were not in chronological order and all within one month amounting to {$2600.00} with no identity as to what was purchased. There is an email address that is not my email and a secondary email address that appears to belong to whoever opened this account. There are ARC activities with no account number or routing number that could identify the bank and individual. All activity occurred a year after the account was opened and was within one month. None of my original questions where addressed regarding this account. Now the two companies XXXX and SIMM Associates XXXX Inc have double their calls and insistance I pay an account that is not mine.
Product: Debt collection

Debt is being reported on my credit report and I have not knowledge of debt. No contact has ever been made with me concerning debt, not attempts to notify or collect debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Open balance {$470.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - This account was not obtained by me. 

XXXX : Original creditor Open balance {$340.00} Opened on XX/XX/XXXX ( XXXX yrs., XXXX mos. ) Remarks : Collection account - I don't owe them anything XXXX : Original creditor Open balance {$2000.00} Opened on XX/XX/XXXX ( XXXX mos. ) Remarks : Collection account - This account doesn't belong to me.
Product: Debt collection

I purchased an automobile and the corporation that purchased my debt started scamming from the moment they bought the debt. 
The file show all the illegal maneuvers from the onset until present and most pervasive not being honest In court. 
But now their scheming left them vulnerable. Now their disdain is in writting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My husband and I first purchased XXXX XXXX XXXX XXXX XXXX XXXX standard for {$8900.00} on XX/XX/XXXX, in XXXX XXXX, SC at an XXXX XXXX XXXX. We financed the entire amount. We were told that the timeshare would not only cover the cost of our vacations but would also increase in value, making it a wise investment for our children. 

On XX/XX/XXXX, we attended a new owners orientation in XXXX VA because we wanted to cancel our purchase. We had trouble with availability, and we could not easily reach customer service. We tried to book online. A lot of the rooms available seemed to be just hotel rooms and not resorts. The agents told us, during the seven-hour meeting, that what we had purchased before was not adequate for our vacation needs, but with additional points we would be able to stay anywhere. We purchased XXXX points, standard interest type, and first years use XXXX. The purchase price was {$16000.00}. We paid a down payment of {$960.00} and financed {$18000.00} at 16.5 %, These sales agents said that if we were not happy, XXXX would buy back the timeshare. We learned that there is no buy-back program and that sales agents are allowed to lie and misrepresent. 

After this purchase, we experienced the same issues concerning poor availability. When we contacted XXXX about the buy-back program, we learned that we had been lied to. There is no buy-back program, so I stopped payments at the end of XXXX because we purchased under false pretenses. It is unfair that the buyer of a timeshare does not have access to the booking site until after the end of the contract rescission period. We had no way of being able to learn about the poor availability by reading the contract, or within the contract rescission period. I have spent hours on the phone with XXXX customer service and was constantly told there was no availability. 

We have contacted several Attorney Generals and have made many attempts to cancel this Timeshare. The Attorney Generals Offices have told us they contacted the Company, and nothing is able to be resolved through those AG offices. The following is an article about XXXX frustrated XXXX members. There are also almost XXXX XXXX  complaints filed against XXXX. XXXX XXXX XXXX XXXX XXXX Unfortunately, Experian has drastically reduced my credit score due to this situation.

I want to file this complaint against Experian for Inaccurate Reporting and I am including the
11th Circuit Ruling. The following link is a ruling by the 11th Circuit Ruled that a Timeshare loan is a consumer credit, NOT a Mortgage. In addition to the ruling, both the XXXX and XXXX say a Timeshare loan is NOT a Mortgage. 

XXXX XXXX XXXX Thank You for your time. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I was in dire financial need and took a loan out from Net Credit in the amount of {$3200.00}. Paying twice a month, I have made 19 payments of {$100.00} and 1 payment of {$38.00} for a total of {$2100.00}. Each month, I make payments on the XXXX and XXXX XXXX of the month each month. I was XXXX with work because of COVID in XX/XX/XXXX and as of XX/XX/XXXX am still furloughed. 

As of today, XX/XX/XXXX I still owe {$2700.00} with a payoff amount of {$3000.00}. I called to ask what the payoff amount would be, with the intention of paying the remainder of my loan off. When I found out that I still owe almost as much as I borrowed a year and 20 payments later, I was really taken off guard. They were unwilling or unable to find a payment amount less than the amount outlined above. 

I would like to pay the loan off, but am unable to do with the amount they gave me. If I could pay today, I would be paying a total of {$5100.00} off of an intial loal of {$3200.00}. 

WIth the scheduled payments I currently have of {$100.00} twice a month, according to Net Credit, my final payment would be on XX/XX/XXXX and I would have paid a total of {$6200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there has been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. I notice this fraud account being reported to my file from IC Systems As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me. This issue has been reported to the FTC as fraud
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct these errors. The credit reporting agencies actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The rights to have inaccurate information corrected promptly. ( Section 611 ( XXXX ) ) The rights to a reasonable investigation of disputed information ( Section 611 ( XXXX ) ) The right to receive written notice of results of the investigation ( Section611 ( XXXX ) )
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I obtain a copy of my XXXX credit report in XXXX and have been working since then to have this false loan removed from my account I didnt have a loan on a vehicle and have never signed for a loan. I have since then filed a theft of identify and a police report which i will attach. I spoke with the credit bureau and have sent in a dispute letter and added an identify theft statement to my credit report. 

Please contact this company and remove this immediately from my report. I have been made aware under THE FAIR CREDIT REPORTING ACT the company must remove this from my report and proved a copy of the transaction records per the FTC 609 ( e ). 


Account charged was {$11000.00} written off but past due as of XX/XX/XXXX is {$9900.00} the account was open XXXX I dont know if it was a loan or lease new or old car
Product: Checking or savings account

On XX/XX/2024 direct deposit from my employer were received by Citibank and deposited into my accounts. On the XXXX XXXX  XX/XX/2024 the accounts closed. XX/XX/XXXX and XXXX were XXXX- so the accounts were closed within XXXX days of deposits and monies were not returned to employer or me. Instead the payroll is being used to reconcile the account without my access. All access is blocked and no court order exists to hold pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written install