23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I completed a balance transfer from   XXXX   XXXX   to Barclays when the payment was sent to Barclays the funds were applied to another account, after sending in a copy of the cancelled check both front and back and multiple calls to the credit card company this issue is yet to be resolved
Product: Consumer Loan

I had purchased a vehicle earlier in 2016. I traded in the vehicle later in the year. The company with whom I conducted the trade with made a very big mistake with the pay out and did not put the proper VIN number to the payout check. Months had passed before the mistake was caught and all the while the company with whom I was receiving the vehicle loan was marking me for non-payment, while i was already paying on the newer vehicle. They reported my account as a delinquent account. When the mistake was finally caught and the payout became successful it was clear that the reason for the delinquent account was of no fault of my own but caused from a human error coming from the car sales company.
Product: Debt collection

On XX/XX/XXXX, I sent Unifund a letter for VALIDATION of said debt they are reporting on my credit report. The company responds on XXXX XXXX with a verification of debt by some copies of old bills. Upon further research, this by law is not a valid way to validate a debt with the way technology has advanced and anyone could be getting these bills via electronic bills and not paper. So I again sent a letter to Unifund on XX/XX/2019 highlighting I am asking for a VALIDATION of debt, not a verfication. They again sent the same information on XXXX XXXX as the first time which I will enclose on this complaint. 

I have a right to ask for validation of said debt pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. 

I am asking now you to help me either obtain this validation to said debt or the immediate removal of this debt from my credit report.
Product: Credit card or prepaid card

I paid my account off in full prior to the due date. I paid a large payment on XXXX, then the remaining XXXX on XXXX. My account due date is the XXXX. On XX/XX/XXXX, the creditor charged me {$62.00} in interest charges, saying although I had paid the card off in full, I had carried a balance for the prior month. The current interest charge was the interest charges for the current cycle. 

Their card agreement says the cycle is 25 days, they will not charge further interest unless you have made charges during the cycle. I did not have any charges since XX/XX/30. 

They refused to waive the interest even though I have paid the account in full, and by their terms. This used to be illegal.
Product: Debt collection

I have a collection on my credit file that doesnt belong to me. I called two years ago and had this removed from my credit file. Somehow this same debt has reappeared after Me AND THE COMPANY XXXX XXXX agreed that there was no record of this account in their system. I never had an account with XXXX  XXXX.
Product: Debt collection

NCB Management Services has harassed me via phone calls and emails since late XXXX about a debt of over XXXX XXXX that is NOT mine. I was a victim of identity theft in the year of XXXX. Theyre saying that some kind of loan was taken out in my name, I have tried disputing it. They refuse to work with me. They have reported this on my credit. I have my lawyer now involved. The couple of different agents at NCB that I have spoken to are not friendly nor helpful at all nor do they have any care that I was a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Lexus nexus and requested on XX/XX/2021 to remove the inaccurate information. I also consulted a credit repair company on my be hallf on XXXX. I spoke to Lexus Nexus multiple times during XXXX  requesting to freeze report and stop reporting on XX/XX/2021. The account is still reporting and it is more than one account that is inaccurate. I still haven't had any help with information removed or no longer reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not accurately report that the account was settled on XX/XX/2018 for {$1.00}, XXXX. Nor does it reflect that I made three payments as shown on the attached Scheduled payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was included in the XXXX data breach which occurred between XXXX - XX/XX/2017, but you were notified in XX/XX/2017. You wanted to file an official report regarding this breach since your data is on the dark web, and there are several items on your credit report you don't recognize and you have deal with consumer reporting agencies as a results my personal non public information.
Product: Debt collection

Asset recovery solutions called me while i was at work. I answered they gave the XXXX  of debt collection. I than asked for XXXX XXXX of Asset recovery solutions to send me a letter of verification of debt and they had 5 days to do so XXXX XXXX told me NO because who would pay 2 years on a credit card than stop. I told her that was non of her business told them my information has been involved in multiple data breaches from companies. ( Have letters ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  she than proceeded to tell me she is going to put my data into cease and desist i than told her that was illegal because i was asking for a letter of verification. She than said ph so you XXXX XXXX dictate this call im like your calling me for money so yes i do controller this call. So she then decides to hang up on me. I called back no answer called back again XXXX picked up the phone and sent me to her XXXX. Which i took the problem up with told her what she ( XXXX XXXX did was illegal and i have grounds of a lawsuit. She then sends me a letter of verification after XXXX hrs on the phone while at work arguing with this company i have also told this company not to call me between the hours of XXXX because i am at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Th
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX - Inquiry : XX/XX/2020 ; XXXX XXXX XXXX - Inquiry : XX/XX/2020 ; XXXX XXXX XXXX XXXX - Inquiry : XX/XX/2020
Product: Credit reporting or other personal consumer reports

I saw that you reported my credit being a very low XXXX on an application for renting a home. After checking my credit with several bureaus, They confirmed my credit score to be XXXX and XXXX. Because you reported a XXXX I was denied on my application to rent a house. This needs to be corrected ASAP not 30 days later as you claim. This falsifying of my credit has now prevented me from moving forward with renting a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached. The following accounts were already deleted by the other reporting agencies because they we unable to provide proof of verification. Experian is held liable to the same duties under the Fair Credit Reporting Act and should not act above the law by any means or I will seek litigation due to violations and injury willfully done by Experian.
Product: Mortgage

I have had my home mortgage with BB & T for several years now. They were not the best mortgage company that I have had- I own several properties- but they were OK. Ever since this company became TRUIST, it has been a nightmare. Their automatic payment site just does not work. For the past several months, I have called into their Customer Service line because I end up in arrears and then I get a {$40.00} late fee in addition to the fact that I have to spend an hour or more on the phone supposedly fixing things. Yesterday, I tried to log into my Mortgage account which is a separate entity from the Banking section. I kept track of the the time, and the little wheel spun for XXXX minutes before I gave up. I never was able to sign in. I tried again later with the same result only I gave up after XXXX minutes. See pic of what this looks like below. If it is not even possible to sign into my mortgage account, how I am going to see what is going on. Customer service keeps telling me that I can pay through them. I have better things to do with my life than to call them every month and sit on hold for goodness only knows how long waiting for a rep to answer. I see no reason why they can not have a method that will take the money from my credit union and put it into their system every month automatically. This nonsense has been ongoing ever since the company became Truist. The government should have some safeguards in place to ensure that Banks can not treat customers like this. The only advantage from their end is that they get to charge an extra late fee of {$40.00} every month. Every other mortgage company I have had ( and there are a bunch of them because they keep selling mortgages to each other ) has had a system that works just fine. Truist has a site that is totally non-functional in my experience. If anybody reading this has a choice of which site they can use to get a mortgage, do NOT choose Truist! You are better off with any other company in my experience. 

Every month it is a battle with Truist because nothing works the way it is supposed to work. This is even AFTER I have been " helped '' several times by Customer Service reps. One of the problems is that after the problem has been " fixed '', it does not take effect for two months so you are still left with a mess for the following month and if you try to fix that, then you have to wait for another two months. It is a never ending saga of things that can go wrong so that they can charge you {$40.00} for being late again.
Product: Credit reporting or other personal consumer reports

FCRA Section 605B it's illegal to report information on my credit report without my permission please remove these hard inquires from my credit, now! 
XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was using Zelle through my bank and {$1400.00} was sent to the wrong account and I was not able to get my money back, but I wasnt a disclaimer disclosed stating any of this information when I did this transaction a few years ago
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

NO RESPONSE TO 2 COMPLAINT LETTERS Dear Sirs : XX/XX/XXXX I HAVE HAD NO RESPONSE TO THIS COMPLAINT SENT TWO MONTHS AGO. 
I am formally disputing the billing error of {$85.00} charged on XX/XX/XXXX, and the disappearance of my daily cash credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. XXXX DID REMOVE ALL UNAUTHORIZED INQUIRES AND EXPERIAN NEED TO REMOVE SAME UNAUTHORIZED INQUIRIES In accordance with the fair credit reporting act XXXX account # XXXX was paid in full Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and notice that you have provided transactions on my consumer report that is excluded by law under FCRA 15 U.S.C. 1681a 2Ai. 15 U.S.C. 1666b. 
XXXX XXXX never sent the periodic return along with the Section 1637 ( b ) disclosures.

I have requested proof that this information was submitted or delivered 21 days prior to the payment due date and this information was requested in good faith pursuant to Rule 1002 and was never provided. 15 U.S.C. 1666B and its requirements set the standards and guidance for a creditor to treat a late payment, but they are reporting a late payment and did not comply with the law.

This is unfair, illegal, fraudulent, and unfair to me as a consumer! I have never been behind on this XXXX  XXXX account # XXXX I ask that you do an investigation and provide statements of these payments and if you can not verify the information then I demand that they be updated as timely payments, as they seriously affect my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Synchrony Financial account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for an purpose.
Product: Debt collection

Acme has contacted me through mail and by phone about a XXXX dollar balance of some sort of bill. I have tried to reach out to the agency several times to verify what the bill is for, who the original creditor was, and as well repeatedly requested copies of the original bill to verify it belongs to me and for what causes. Acme representatives have been extremely rude and have even resulted to sending me letters making false accusations with ALL CAPITAL LETTERS which seems a very aggressive form of communication. When I ask who the original creditor is and for them to verify the account is or was mine previously I am directed to multiple agencies and circled back around. In more detail I am told by Acme I need to contact the previous collection agency for any billing questions and when I do that I am routed rightfully back to Acme because the previous agency is not the current or active agent for trying to collect some debt no one can verify or show physical proof of. The company has threatened to take legal and credit reporting actions against me without proper cause or resolving or addressing anything to do with the bill itself allegedly claiming this is a debt in which I have occurred I haves sent several letters to the company including certified request and still the company refuses to address the verification of the bill. I informed them If this was from a particular incident that I would be more than willing to provide them with the insurance I had at the time if there was somehow some billing error and the insurance company was not billed but the company has refused to take the opportunity to resolve as the many other attempts I have made. The company has also falsified the address to which they have mailed documentation to me. I feel they have purposely sent mail to the wrong address to falsely warrant evidence of them sending documentations to me. The only reason I received one particular letter is because a neighbor I knew hand delivered it to me. The company claimed in its last letter to me that I have ignored them yet I have copies of the certified letters I sent as well as the receipts as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate addresses on my consumer report ( XXXX, EQUIFAX AND XXXX ). I want these addresses and accounts moved as soon as possible. I also have collections account on my consumer report that are inaccurate. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, AVANTE failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
AVANTE Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
AVANTE Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Student loan

I do not make enough money to pay over {$700.00} a month to Sallie Mae due to the troubles of finding a job after college. I am currently working as a server, along with bills ; a {$110.00} car payment, {$700.00} in rent, $ XXXX {$110.00} a month for utilities, ~ {$170.00} for federal student loans, and not mention the costs to survive. On XX/XX/XXXX around XXXX I was told I could go into a program that would put my loans up to date. I would have ~ {$270.00} taken out of my account automatically for 3 months. This would be the new payment for 2 years and I might be eligible to reapply after this period of time. I was told that it would also lower my interest rate to ~3 % during this time. My co-signer also is unable to help pay with these loans. These were the terms set due to her financial situation as well. Two payments were taken out, yet we were still getting past due notifications. To understand why this was happening I called Sallie Mae on XX/XX/XXXX to see what the confusion was. As it turns out, without giving us proper notification, we were denied for this program and the already hefty XXXX a month has now grown over two months. They breached our contract with deception of the worded confirmation they sent us in the mail, yet did not send anything mentioning our " denied '' form about the program they so happily took money for. I was not told anything until I called. They record all of their calls, with our call I believe I can prove that they went against their word. This yet another unethical deception of Sallie Mae that any XXXX search can bring up. Salt to the wound, we asked of we could get any of this in writing and was told they " don't do that ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, EQUIFAX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX  XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX & XXXX Inquired on XX/XX/XXXX.