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

I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close XXXX XXXX XXXX XXXX XXXX XXXX XXXX has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to XXXX she confirmed I was paid through XXXX. I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus. <P/>Not more than two payments past due ( 2 ) - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has flagged your account as Not more than two payments past due ( 2 ). Alert Type : Potentially Negative Found On :XX/XX/XXXX Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. <P/>Balance spoke to XXXX last payment made- way XX/XX/XXXX. Paid up through XX/XX/XXXX. Confirmed. I then asked for an acct manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager who I relayed my request for resolution! I finally Reached XXXX a Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.
Product: Vehicle loan or lease

This loan was refinanced through Oklahoma XXXX XXXX XXXX. A check was sent to US Bank on XX/XX/XXXX in the amount of {$47000.00}. Instead of paying off my loan on XXXX they made a payment to my account of {$720.00}. Another payment was made the same day in the amount of {$46000.00}. The account showed closed out on my credit report a week later. I received a letter that showed a balance of {$160.00} on XX/XX/XXXX. The explanation that I received was it was interest owed because they split the payment up in XXXX payments. I checked my credit report and the loan had been reopened with a balance of {$160.00}. I am filing a complaint for unfair business practices. This loan was paid off on XXXX and Oklahoma XXXX XXXX XXXX still have not received the title for the vehicle. When I login to my account it shows a XXXX balance. Also my next payment is due XXXX in the amount of {$720.00}? I need this issue resolved and refunded the {$160.00} that I had to pay because of their illegal business practices. I also did not receive my first payment statement until XXXX  days later XXXX days before my payment was due. Please advise Thanks
Product: Debt collection

I have reached out to Sequium several time to dispute the debt. Sequium claims the debt is from an unpaid service from XXXX XXXX XXXX internet account. However, XXXX  XXXX XXXX says it from not returning equipment, which I returned. 

On XXXX an XXXX  rep gave me a {$20.00} credit off the {$120.00} bill and submitted the rest of said balance to management to be reviewed for a credit. As he didnt have the authority to rectify the entire balance. XXXX, manager from XXXX called around XXXX EST on XXXX and said the bill was zeroed out. I called XXXX to confirm, it was. 

On XXXX I called Sequium. The representative was very forceful trying to get me to pay money I didn't owe. After threatening legal action and telling her the call was being recorded ( at that time it wasn't ) she allowed me to proceed to 3 way XXXX. The XXXX rep and the Sequium rep spoke to each other. XXXX reiterated the {$0.00} balance. However, Sequium refuses to remove the debt. Please see my recorded call on their refusal on XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred funds in the form of XXXX from my XXXX XXXX account to my Binance.US account. 
The transaction status says complete and funds have been removed from my XXXX XXXX but have not been deposited into my Binance.US account. 
I have made several attempts to contact Binance.US but receive the same automated message. 
They have not/ will not get back to me.
Product: Debt collection

Purchased hot spot device for Internet service.Was never able to get signal because of my location.Company said they would send " booster '' to help. Still had problems. When I payed bill I found out from sales rep my location should have been checked before selling me device. I have moved and can not find " boosters '' that I was never told had to be returned. Company billing me XXXX. When I spoke to someone ( in XXXX! ) they assured me matter would be taken care of. Recently applied for a loan and was denied because of this debt in collections
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; I am writing to file a complaint against Experian regarding inaccurate information on my credit report. Experian has failed to properly report my XXXX XXXX XXXXXXXX which was filed on XX/XX/year> and will be discharged on XX/XX/year>. Instead of correctly reflecting the accounts included in the bankruptcy as being discharged, Experian is reporting these accounts as charge-offs. 

Additionally, I disputed this inaccurate reporting with Experian, but they concluded that the reporting is accurate. This conclusion is incorrect and violates the Fair Credit Reporting Act ( FCRA ). The accounts in question were included in an active bankruptcy case, and it is not permissible for these accounts to be reported as charge-offs while the bankruptcy is active. 

I filed XXXX XXXX XXXX  on XX/XX/year>, my case number is XXXX. The accounts that are reflecting as late and charged off are from XXXX, even though prior to filing bankruptcy, these accounts were always paid on time and never late. The account numbers, taken from my Experian credit reports for these accounts are : XXXX XXXX XXXX XXXX I disputed the inaccuracies with Experian online on XX/XX/year>. I provided supporting documentation, including my bankruptcy case information, and a list of accounts included in the bankruptcy. On XX/XX/year> Experian concluded that the reporting was accurate, which is factually incorrect. Reporting these accounts as charge-offs during an active bankruptcy case violates FCRA requirements and undermines my credit report 's accuracy. 

I am requesting the CFPB 's assistance to ensure that Experian complies with the FCRA and accurately reflects my bankruptcy and the status of the accounts included in it. Specifically, I ask that Experian : 1. Update my credit report to show the correct bankruptcy status.

2. Remove the charge-off notations for all accounts included in the bankruptcy.

3. Provide written confirmation once the corrections are made.

I have attached copies of the following : - My bankruptcy notice Thank you for your attention to this issue. Please feel free to contact me if additional information is required. 

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

The attached post on my credit bureaus claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/2017, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/2017, I was notified that there was a data breach at Equifax and that I was a potential victim according to their website equifaxsecuirty2017.com. This has put me and millions of Americans at serious risk for identity theft. I believe that a single year of free identity theft protection is not sufficient and should be extended to 5/10/15+ years depending on how much information was stolen. Equifax should also take responsibility and reimburse the affected for putting credit freezes on credit reports as well as compensation for time and money lost for getting a new SSN if needed. The company failed in protecting consumers by not responding in an urgent and responsible manner and I would like a resolution that is fair to all those affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my Transunion Consumer Report I noticed inquires on my report that may have been result of Identity theft. I notified Transunion rep who refused to remove the inaccurate information. I am a victim as my information was released without my consent in XXXX 's data breach which in turn this may be a result of. XXXX XXXX XXXX XXXX, XX/XX/22 XXXX XX/XX/22, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Pursuant to FCRA I have a right to FAIR and Accurate credit reporting. This information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries are on my credit report that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

3 Vanilla gift cards were purchases for {$130.00} each plus activation fee of {$5.00} each ( total {$420.00} ) on XX/XX/XXXX from an XXXX store @ XXXX XXXX, XXXX, TX, XXXX. 

All 3 gift cards had the CVV already scratched off when they purchased. When they were attempted to be used, the {$130.00} that was loaded onto them was already spent and they had XXXX balance. 

Contact was made immediately with Vanilla through their phone line on the back of the card and a case was opened ( Case ID XXXX ). emails were also sent to Vanilla with the purchase receipt and a picture of one an intact card packaging. on XX/XX/XXXX I received one replacement card for {$130.00} and the case was closed. Other attempts to reach Vanilla have been fruitless.
Product: Debt collection

To the Consumer Financial Protection Bureau : I XXXX recently filed a CFPB complaint against a national collection agency that specialized in the collection of unpaid rent. This agency send a compromised offer, but they did not expose the truth of my arrangement with The XXXX apartment complex. I hereby attach a copy of an email between myself and XXXX, Assistant Property Manager at the apartment complex in question. My move out from this complex was requested professionally as I was facing a family crisis back in XXXX State, and the ownership was understanding and agreed that I would only be responsible for the days whereas my apartment was nor re-rented, but that the management would advertise the apartment for rent immediately. The email response I have posted on this complaint shows that XXXX apologized that he was sorry the apartment was not advertised, and that he would not charge me for this mistake. This response concludes any argument that I owe anything towards the Fair Collections & Outsourcing , Inc . In addition, the settlement offer by FCO is hereby void, mainly because there is no lease termination fee in the entire lease, as posted for your review. This entire collection is a violation against my rights under the Fair Debt Collection Practices Act, the leasing by-laws of the state of XXXX, and since FCO posted the collection on every credit bureau, a serious violation of the Fair Credit Reporting Act. FCO has acted devious by adding charges to an invoice that are not included in my lease, and the fact remains that my move was amicable and the management of XXXX agreed that I was not going to be charged for the apartment post move. FCO must file a removal of the case and send removal letters to all pertinent credit reporting agencies on behalf of XXXX and XXXX respectively.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED.
Product: Debt collection

XXXX XXXX XXXX telephoned me repeatedly. When I finally answered, their representative told me I owed XXXX XXXX XXXX {$65.00} for a XXXX Credit Account. I do not have such an account, and never had. I settle my XXXX balances with my checking account or linked XXXX debit card. When I asked them to describe the purchases that totaled {$65.00} they could not. I then asked them to submit details in writing, and all I received was a paper " notice '' ( attached ) with the same amount and lack of detail.
Product: Debt collection

Express Recovery Services has received numerous validation debt letters over the years and request to verify 100 % proof and 100 % accuracy of a debt I have no knowledge of. They have sent printed screenshots of an account a few years ago which violates the FDCPA and I immediately sent another letter requesting 100 % verifiable proof 100 % accuracy of a written contract, signed documents to verify the debt and all my letters have been ignored by ERS. I sent them a cease and desist letter two years ago from calling me. Yet, I received a call at my mobile number from an unauthorized person from ERS named XXXX XX/XX/2017 stating she was attempting to collect a debt. They are aware of a cease and desist being in effect for the last two years. I called her back and left her message to cease and desist contacting my cellphone I never requested to speak to her. Now since I have been harassed by ERS I am requesting for ERS to again through the CFPB portal to provide 100 % verifiable proof 100 % accuracy according to the FCRA and FDCPA of a written contract, signed document that they claim on this debt I have no knowledge of, as this debt is not mine. Please provide the requested documentation through the CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 instructions By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 


Thank you for your time and help in this Matter.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under XXXX5 USC 1681.

15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) 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 in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I 'm having a problem with AES, whom holds my student loans. The problems are the following ; 1. I have not received statements via mail nor email from the company. I 'm currently signed up to receive electronic statements and have not received them in my inbox nor spam. I 'm requesting the following delinquencies removed from the credit bureau report ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. <P/>2. There are 3 loans held by the lender, all with different due dates during the month. Three months ago I requested a due date change to the XXXX of the month for all three loans. The lender has yet tp respond to the request. The request was submitted twice via the online system and once with a representative. Each time they indicate it takes 15 days to process the request. They have intentionally made the due date varying days during the month to confuse me and collect additional late fees on the loan. <P/>For example, the month of XXXX reported an amount due of approx. {$600.00}. XX/XX/XXXX I paid {$200.00} to bring the amount due to Approx {$400.00}. Two days later is had increased the amount due back to {$600.00}. I paid another {$220.00}  on XX/XX/XXXX. XX/XX/XXXX the account was back up to {$600.00} due, I paid {$490.00}, followed by two payments of {$140.00} and {$34.00} on XX/XX/XXXX. In total, I paid {$1100.00}. My monthly payments total {$320.00}. The representative was unable to explain where my money went and why the payments were not reflective of the balance due. I have been unjustly charged late fees and additional payments. <P/>I request an audit of the lending practices with payment due date, payments applied to accounts. It appears my monies paid were not applied to the balance.
Product: Checking or savings account

Refiling a compliant for an unresolved issue : Hello - On XX/XX/XXXX, I sent a check via bill pay to a XXXX XXXX in the amount of {$1500.00}. The check was delivered on XX/XX/XXXX. Based on the proof of payment from the Bank, the check cleared on XX/XX/XXXX. The XXXX XXXX notified me that they did not deposit the check and it may have been stolen. We looked at historic deposits by the church and the XXXX typically endorses the check prior to depositing the check. I called the Bank to understand where the check was cashed and why the check was allowed to clear without proper endorsement. When I called the customer service line, I was transferred to XXXX different representatives, including a sr. escalation representative, and a XXXX XXXX representative / supervisor. They all could not provide where the check was cashed and why the check was allowed to clear without any endorsement. I filed a claim and the claim was subsequently closed with an explanation that the check was sent to the right address. Also, there was no investigation performed by the Bank. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in mid-XXXX, I have submitted several disputes to Equifax to correct errors on my consumer report and have not received my results or been able to check the status of my disputes over the phone or online. I am able to log into " myequifax '' but unable to check the status of my dispute in the dispute center. I was instructed to send in my drivers license, social security card, utility bills and bank statement. I have followed up numerous times over the past 2 months but am always told to call back another day or the line is abruptly disconnected. My last contact with Equifax was on XX/XX/XXXX and they confirmed my documents were received on XX/XX/XXXX. The representative would not release the results of my dispute and told me to call back on a later day. I have lost my patience and would like to see the results of my dispute and for the changes to reflect on my report.
Product: Credit reporting

Several disputes have been sent to Equifax in reference to several accounts. They have not sent any type of proof of what they are reporting so request were sent directly to the companies they were reporting. The companies have not responded to a direct request from me so Equifax would not have been able to get proof as well. How can they report information from a company that will not even send a response to me directly?