23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I began my job at XXXX XXXX XXXX as the Excellence in Banking Director. I left my job as Chairman, President and CEO of the XXXX XXXX XXXX XXXX, Texas region. I lived at XXXX XXXX XXXX in XXXX and had a XXXX XXXX XXXX that was installed in XXXX. XXXX XXXX XXXX my successor bought my home and we called XXXX and they agreed to transfer the billing to him as he would keep the equipment. We did exactly as instructed and he is still with XXXX today. In XX/XX/XXXX, a collection was filed in the amount of {$550.00} with the credit bureau 's by Zions Debt Holdings, who received the collection from XXXX, who received the collection from XXXX. XXXX never closed out my account even though they made the transfer to XXXX XXXX XXXX. XXXX has never missed receiving payment for their service at XXXXXXXX XXXX  since XXXX. I have spent over 3 hours only to be run in circles even though XXXX acknowledges the debt is not owed. My credit score has dropped from my perfect XXXX to around XXXX and I could let this roll off in a couple of years, but their behavior is wrong, both morally and in my opinion legally. Given this experience and their response to me trying to do the right thing, I believe you will find countless other people that XXXX is trying to fraudulently collect money from. I look forward to visiting with anyone about this manner. 
Take care. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting that I still owe 100 % on a loan that has been fully paid off & should not be appearing on my Credit Report at all : XXXX XXXX XXXX XXXX 

I have repeatedly written to Equifax to dispute the accuracy of this reporting, yet they refuse to delete this account from my profile even though it has been paid in full & I no longer owe XXXX XXXX ANYTHING. 

According to the Fair Credit Reporting Act ( FCRA ) I have a right to an accurate Credit Report & this is obviously not accurate & is hurting my Credit Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 3 months I have been trying to get XXXX and Equifax to report the correct information about my mortgage with XXXX XXXX XXXX, my account is not closed have never been closed I have been paying my mortgage every month since 2010, I contacted my mortgage company XXXX and they sated they are reporting that my account is open, I have disputed this information 5 times with XXXX  and Equifax and they refused to correct the information stated that its verified as closed am not sure how they are verifying this information when I pay my mortgage every month and the mortgage company is saying that is not what they are reporting, please help am at my wits end and very frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like request a full XXXX XXXX, XXXX XXXX, Innovis credit reports. I have attached my ID
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a formal dispute letter to TransUnion via XXXXcertified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I requested an investigation into several negative items on my credit report that were inaccurately reported and had discrepancies. Additionally, I disputed the incorrect personal information listed on my report, including inaccurate names and addresses. To comply with the requirements of the Fair Credit Reporting Act ( FCRA ), I attached all the necessary documents to verify my identity, including a copy of my government-issued ID, Social Security card , and proof of address. However, despite following all proper procedures and complying with FCRA guidelines, I received a letter from TransUnion dated XX/XX/year>, stating that they would not process my dispute because, according to them, " it didn't appear that you or a properly authorized third party sent it to us. '' This response is inaccurate and misleading, as I personally mailed the dispute letter directly to TransUnion, and no third party was involved. According to the FCRA, if the accuracy or completeness of any information in a consumer 's file is disputed, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the information is accurate. By refusing to investigate my dispute, TransUnion has violated my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Against XXXX and Creditors FCRA and FDCPA Violations To Whom It May Concern, I am filing this formal complaint against XXXX, XXXX XXXX, XXXX XXXX XXXX, and the companies responsible for multiple unauthorized hard inquiries on my credit report. These violations have persisted for over nine ( 9 ) months, significantly damaging my creditworthiness and financial standing. 
Violations and Legal Claims : 1. Unverified Collection Account XXXX XXXX XXXX ( {$3900.00} ) This debt has never been validated as required under 15 U.S.C. 1692g ( FDCPA ). 
Reporting this unverified debt for over nine months is a willful violation of 15 U.S.C. 1681s-2 ( b ) ( furnishing inaccurate information ). 
2. Inaccurate Rental Account XXXX XXXX This account has been unlawfully reported for over nine months, violating 15 U.S.C. 1681b ( no permissible purpose to report inaccurate or unverifiable data ).

3. Unauthorized Hard Inquiries Total of 7 Violations These companies pulled my credit without my consent, violating 15 U.S.C. 1681b ( f ) ( Permissible Purpose ).

These inquiries have remained on my report for over nine months, further compounding damages.

Total Damages Calculation ( Per FCRA and FDCPA Laws ) : FCRA Willful Violations ( 15 U.S.C. 1681n ) : Up to {$1000.00} per violation FCRA Negligent Violations ( 15 U.S.C. 1681o ) : Up to {$1000.00} per violation FDCPA Violations ( 15 U.S.C. 1692k ) : Up to {$1000.00} per violation Violation Type Number of Violations Compensation per Violation Total Damages Unverified Collection Account 1 {$1000.00} {$1000.00} Inaccurate Rental Account 1 {$1000.00} {$1000.00} Unauthorized Hard Inquiries 7 {$1000.00} {$7000.00} Continued Reporting Over 9 Months 12 {$1000.00} {$12000.00} Total Demand for Damages {$21.00}, XXXX Resolution Demanded : 1. Immediate removal of the following : o XXXX XXXX XXXX collection account o XXXX TECHNOLOGIES rental account o All unauthorized hard inquiries listed above 2. Compensation of {$21000.00}, payable to XXXX XXXX, for violations of the FCRA and FDCPA. 
3. Written confirmation of these deletions and payment within 24 hours. 
If this demand is not met, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and initiate a federal lawsuit for damages under 15 U.S.C. 1681n. This matter has been ongoing for over twelve months, and failure to act now will result in legal consequences. 
I expect a response within five ( 5 ) business days confirming the removal of these accounts, inquiries, and the full payment of damages. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX
Product: Credit card or prepaid card

Card was a Vanilla Gift Card. Once card had {$150.00} loaded onto it and the other had {$50.00} loaded. XXXX was supposedly activated in store but no purchases can be made online or instore at all. I tried contacting customer service but I was only able to get an automated voice recording and cant seem to get an online representative on the phone. Many others online have reported their cards being changed unknowingly or not having access to any fund on said card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding my charged-off account with Toyota Financial Services , Account Number XXXX. XXXX XXXX XXXX. The account was charged off as a loss and profit, and I have been attempting to obtain the necessary IRS Form 1099-C to properly adjust my XXXX  taxes. 

To resolve this issue, I have taken the following steps : 1. Sent three certified letters to Toyota Financial Services requesting the 1099-C, which have gone unanswered. 


2. Contacted Toyota Financial Services directly and spoke with an agent named XXXX ( ID : XXXX ), who referred me to XXXX XXXX XXXX to obtain the 1099. 


3. Called XXXX XXXX XXXX and spoke with a supervisor, XXXX XXXX, on a recorded line. He informed me that XXXX XXXX XXXX does not have access to this account and that Toyota Financial Services is responsible for issuing the 1099. 

Despite these efforts, I have yet to receive the 1099 form, which is essential for my tax filing. As this account was charged off as a loss and profit, I need the proper documentation to ensure compliance with IRS requirements. 

I am requesting your assistance in resolving this matter and ensuring Toyota Financial Services provides me with the IRS Form 1099-C for this account. Please note that their lack of response and refusal to provide this document has caused significant inconvenience and may result in tax discrepancies. 

I kindly ask for your prompt investigation and resolution of this matter. Should you need further information or documentation, please do not hesitate to contact me at XXXX XXXX XXXX or XXXX Thank you for your attention to this matter.
Product: Credit reporting

Transunion has to be one of the worst, incompetent, lazy, lying companies on the face of the earth! I have been trying for almost a year now to clear up some obvious mistakes that they have made on my credit report and despite clear evidence of their errors they are refusing to do anything other than give me a hard time. XXXX XXXX and XXXX and XXXX show me owing them money but they have refused all forms of requests fro validation that I have sent them and it is safe to assume that they probabaly dont have it right? XXXX has a 30 day late in XX/XX/XXXX that should have been removed by now. XXXX, XXXX XXXX, XXXX XXXX have been paid so why does it still report? I dont owe them any money so it doesnt make sense that they should continue to harm my score right? Also XXXX is reporting a late date in XX/XX/XXXX that should have been removed by now.
Product: Credit reporting or other personal consumer reports

after checking my credit report I noticed an innacuracy in my citizens account- it is reporting with a late payment for XXXX. while my account was closed, it was never paid late or not paid at all. I have sent requests for this account to be updated as current and they, and the credit bureaus have failed to update the account. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. Validate/inaccurate reported late payments Account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2100.00} please have this updated immediately by all XXXX bureaus.
Product: Credit card or prepaid card

Hello I contacted Best Buy credit card ( citi bank ) because of interest fees on my account. When I first opened my credit card with them I was told I wont get charged interest fee if I make my minimum payments each month. And unexpectedly Im getting charged interest. Misinformation was provided to me and company should be hold accountable. Also theres a recorded conversation between me and the representative
Product: Vehicle loan or lease

I had an auto account with capital one auto finance. The accounts payment responsibility wasn't mine. I had no idea that my father put a car under my name. I called capital one and they said they would correct the payment history to paid on time for all the payments if I paid the account in full. I ended up paying the account in full and they didn't do anything to update the payment history to paid on time. I called and they told me to dispute with the bureaus. Because I disputed, it made my credit score drop even lower. No It has killed my ability to purchase a home because of this derogatory reporting to my credit report that Capital One Auto Finance said they would fix.
Product: Debt collection

I 'm receiving 3+ phone calls a day from this number after having already spoken to someone about payment
Product: Debt collection

Well over a year ago I cancelled service with XXXX XXXX. I had a XXXX balance turned in all of my equipment and was told that I was paid in full and account was closed. Shortly after I started to receive letters for outstanding balance of equipment charges, so I called explained the situation and was told everything was taking care of. This continued to happen. They eventually turned me into a collection agency called diversified consultants who has since then hurt my credit. Diversified consultant agency was extremely rude, and employee 's at XXXX XXXX could not speak English very easy to see who XXXX up here. I would like it to be removed from my credit report. I am not the first to have this happen from XXXX XXXX, apparently this occurs quite often.
Product: Credit card or prepaid card

I got a secured credit card back in 2014, which means that they held {$1000.00} of my cash while giving me a line of credit. My credit card was upgraded a few years ago, I no longer used the secured credit card. 

I get an mail every year that the CD is up for renewal. I called back around ~20 times and visited branches 2-3 times to terminate the CD and collect the {$1000.00} + interest. The retail bank says that the CD is locked by the credit bureau and the credit bureau can not locate the CD. Every time I call, the customer service rep and the manager says that they will escalate, someone will follow up, and no one ever does.

I just want this case to be resolved, close the CD. No one in Citibank seems able to resolve because of how they seem to be organized inside, and in the meanwhile my funds are locked and I can not retrieve it. I need help.
Product: Mortgage

I worked as loan officer/branch manager for LendSmart mortgage in XXXX AZ. 
They did not pay me my comp plan, they were charging me for " branch " expenses and pay me what was left over .They were running NET branch which is illegal .When I tried to resolve that with them they emailed me that they would not pay me what was still owed to me and they did not even 6 months after I resigned. They also requested in order to be paid what was left over to sign agreement that I am waiving my right to come back and ask for even adjustment if numbers were not correct. At that point I did not sign anything because their accounting was horrible and they had mistakes pretty much on every pay period .They would not pay me and after we " resolve '' discrepancy it will be another reason for not paying. I did not want to sign agreement because I believed what they did was not right and by rules but they were ones that holds my paycheck and they could do anything they want. This company simple should not be in business at all. They also when I resigned email me that if I do not sign same paperwork they would not pay me at all due for me breaching a contract and violating some rules even they never write me up fro anything and never told me about that either until that day.
Product: Mortgage

A XXXX dollar home was built in our neighborhood. Prior to people moving in, the house largely burned down, creating a major eye sore for the entire neighborhood. This occurred on XXXX XXXX 2009! And, to date, XXXX XXXX Chase declines to assist in any way to facilitate in assisting the neighborhood clean up this ugly mess seen here on XXXX : XXXX NOTE : I have personally, as well as countless others in my community contacted Chase about help. They say they can not & will not talk to us about this, as we are not the owners. However Chase annually pays the property taxes, not to mention " other '' costs, so they have a financial interest in the property. They just do not care enough about the local personal property owners to bring this matter to a close or rectify it by rendering assistance to us!
Product: Money transfer, virtual currency, or money service

Today XX/XX/2020 I tried to transfer my PayPal balance to my checking account to pay bills. I do not have a Cell Telephone because I am poor. PayPal Inc. refuses to allow me to gain access to my money because I have no Cell phone.
Product: Credit reporting or other personal consumer reports

Hello, i am here writing a complaint more as a notice so that i can have the cfpb by my side throughout this upcoming process. US Bank has allowed an unauthorized inquiry on my XXXX credit report that i want removed. Attached is a word document which is the exact letter i printed out and sent to US Bank via certified mail today to an address that is found on their website. I let them become aware of what it is i want and the current situation. In the letter i also let them know that i would be copying the cfpb so it would force them to respond. Thank you!
Product: Credit reporting or other personal consumer reports

I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. 

I have never signed any agreement with these debt collection agencies. 

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 XXXXExperian 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: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB on XX/XX/2020 explaining how I sent a letter on XX/XX/2020 to this company regarding inaccurate and unknown things on my credit report. I also sent a follow up letter to the company on XX/XX/2020 right before filing the complaint with the CFPB. The company has been given over 60 days to comply and they STILL have been ignoring me. In Section 611 ( a ) of the FCRA, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. 

On top of all that, the company replied to the CFPB complaint within 3 days stating that " your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' and then marked the complaint as closed. This happened even though I sent all of my complaints by mail with copies of my drivers license and passport and a proof of address ( utility bill ). 

How can an arbitrary response like that close the dispute with nothing being resolved?? This is a stall tactic from this company and I will not be taken advantage of anymore. 

It has been over 60 days so the items in question should be deleted promptly from my credit report. I demand these accounts be deleted immediately or I will file for litigation due to the stress cause to me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person, yet this company doesn't seem to care about my rights as explained in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled that the below inquires appear on my credit report. Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 

Prove to me that the inclusion of this inquiry complies with this federal law, or remove them now. 

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

I have submitted several disiputes wiyh experian and have yet to be able to speak with anyone about false inaccuracies they are reporting. I have been unable to reach anyone as well
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

Late Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX, and XXXX Credit Report and I noticed that XXXX late payments from XXXX XXXX is still posted on my report : XXXX XXXX XXXX XXXX XXXX  Your company XXXX XXXX XXXX and Equifax XXXX XXXX has XXXX violations. 
Both XXXX and Equifax have violated the laws by keeping the late payment on my credit report, and not deleting this account as XXXX did. Under 15 USC 1681 Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

All three credit agencies are to provide the same information for accuracy. 


Also, Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give written instructions to furnish this account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS-Except as provided in paragraph ( XXXX ), the term consumer report Does not include- ( A ) Subject to section XXXX of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this account from my consumer report. This agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of character. 
XXXX. Negligent Enablement of XXXX XXXX. 
XXXX. XXXX XXXX Collections Practices XXXXt 15 USC 1692g violations. 
XXXX. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance XXXX. Civil liability for willful XXXX15 USC 1681n . 

Best Regards, XXXX XXXX