23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have corresponded in writing to EXPERIAN 4 times within the last 4 months regarding the successfully disputed removals of the three debt collection companies from my EXPERIAN credit report. I have inquired as to why I have no XXXX score. I have inquired as to why EXPERIAN is not reporting my XXXXXXXX XXXX XXXX  which I have had in good standing for 3 years. I have corresponded to EXPERIAN with these concerns numerous times to no avail. I have inquired as to what procedures etc. EXPERIAN uses to investigate disputes to no avail. I did contact EXPERIAN on XX/XX/2023, and spoke to a XXXX. She claimed point increases depended on certain criteria. but did not clearly elaborate. I disputed the debt collection companies requesting the following : I receive the validation of the " debt '', actual accounting, verification of the " debt '', actual accounting and the contract binding both the debt collection company and myself. All three of these debt collection companies could not furnace this information to me in writing. I received a letter from XXXX of the debt collection companies advising me of the removals from my credit files and the third never corresponded but was removed as well.
Product: Money transfer, virtual currency, or money service

I can not deposit funds from my XXXX account into my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax repossessed our car, after we had been in contact with them often explaining we had lost our employment, and had been struck with crime, but were moving to XXXX XXXX to obtain another position, which we already had. We were just starting XX/XX/XXXX. They agreed to work with us. Instead they came like thrives in the night and repossessed the car, with all our belongings in it. True we were able to get some out the next day while a complete stranger helped us, but thereafter the rest of our belongings went with the car. We were now without any way to get around but by bus and no way to get the rest of our belongings. 

Carmax is lying! And cutting off their nose to spite their face. How does it help to take a car away from people who have new employment and need a car to get there where theyll earn money to pay Carmax? 

Also we were never informed that we had purchased an XXXX XXXX XXXX. Carmaxs way to charge more obviously. We also never asked for such. So Carmax lied by omission. The car broke down in XXXX, XXXX  and we had to have the Radiator Replaced by XXXX XXXX XXXX in XXXX by XXXX ; the charge was about {$500.00}. We have requested the receipt, from around XX/XX/XXXX but dont have it yet. Also we informed Carmax about this problem with the car soon after it happened. They never informed us then about the Extended Service Plan. 

Another lie by Carmax, is that the XXXX in the car was bad and they lost money in selling the car. Not true, the car drove perfectly ; we know what a bad transmission is. Not to mention the car was checked out by the mechanic in XXXX. Again this receipt is forthcoming. 

Also I have learned that Carmax can not charge us for the car after they repossessed it unless they sell it for less, and though they say there was all these things wrong with it, its not true. 

They are lying. They may of sold the car for less, but their reason for doing so was to garner interest from continuing to charge us. 

At the very least Carmax is unethical, dishonest and corrupt. 

I have reported Carmax to other consumer outlets. If I can be instrumental by keeping just one family from buying a car from corrupt Carmax I will feel Ive done something good for society.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my Equifax report on XX/XX/XXXX, and found an XXXX card that has been reporting every month since XX/XX/XXXX that XXXX can not find record of using neither my SSN nor the account number listed on my report. The account number listed on my report has XXXX digits and that is an obvious error because XXXX only uses XXXX account numbers. Not to mention the fact that I gave no permission for this private information to be shared with any third-party companies without my written consent.
Product: Debt collection

I vacated " XXXX '' before the lease expired. I gave 60 days written notice as requested. When I received the final bill from them, they charged me {$1100.00} for improper notice. They also charged me {$200.00} for final water bills. I was current with rent and water at move out. My water bill never exceeded {$35.00} per month and I hand carried the 60 day signed notice to the apartment manager. I have a copy of this notice. I requested copies of the " final '' water bill and disputed the improper notice charge. No proof or copies of the water bill were ever sent to me and no reply was sent about the improper notice charge. They just turned it over to ProCollect in XXXX, Texas and they promptly listed the charges on all XXXX credit bureaus. After disputing this collection with all credit bureaus, XXXX XXXX removed it. XXXX and XXXX did not. ProCollect has not yet sent me requested proof of the the above documents. 

I am now filing a law suit against ProCollect for reporting false information on my credit report.
Product: Debt collection

I asked that they not call me but to communicate with me in writing. They said that I needed to send them a written request not to contact me in writing, otherwise, they are within their rights to call me. ( See attached letter. ) Is that true? 
I 'm rebuilding my financial life, after these institutions torched the economy. I plan on negotiating with each of my creditors once my financial situation becomes stable. 
Here 's my request, I 'd like to know if this is a legitimate collection agency, I 've heard that there are a lot of unregistered, unethical, and illegal collection agencies out there. I want to make sure this is not XXXX of them.
Product: Credit reporting or other personal consumer reports

I utilize Experian as a credit monitoring service. I typically leave the account status as " frozen '' in an effort to deter identity theft ( of which we have been an attempted victim ). 

On XX/XX/23 I " unfroze '' my account and submitted an electronic application to XXXX for their XXXX XXXX XXXX ( I am looking to take advantage of their bonus mile program ). 

Upon submission of my application, I received an immediate message that my account was " frozen '' and to first contact Experian to unfreeze the account and then call XXXX to advise them. 

I called the Experian number provided ( XXXX ) and found myself in an endless loop of prerecorded menu options - I was not offered or able to speak with a customer service rep and my only option was to freeze my credit report or go to the Experian web site to unfreeze my credit ( which we had already done ). 

I also called another number that I found in a XXXX search for a live agent at Experian. That number ( XXXX ) also resulted in a pre-recorded menu option list and no ability to speak to anyone. 

At this point, similar to my prior attempt to obtain this card, I am unfairly and inappropriately being denied the ability to obtain and utilize a financial vehicle of my choice. 

I need assistance in unfreezing my account.
Product: Mortgage

After several failed attempts trying to save our home it was sold on XXXX/XXXX/16 beginning in XXXX 2016. We contacted Caliber Home Loans and explained our situation at which point we begin the process of " loss mitigation with Caliber Home Loans. We were also advised by Caliber Home Loans to contact " Keep your home California '' which we did as well. We were notified at the end of XXXX that " keep your home California '' approved us for financial help and that a packet was being sent to Caliber Home Loans. XXXX XXXX we were notified by " Keep your home California '' that Caliber Home loans ( who referred us ) rejected the assistance that was being offed from " Keep your home California '' on the basis " Your loan servicer ( Caliber Home Loans ) has not approved your loan for participation in the Keep your home California program. 
Caliber Home Loans has not once offered any alternative to foreclosure. We have reached out to Caliber several times and requested assistance however none was ever offered. As a former customer of Calibers I 'm embarrassed and horrified by Caliber 's treatment of a customer who has done everything to try and keep our home. I was laid off XXXX XXXX 2016 and have been looking for work and trying to save our ( My wife and XXXX children ) home. 
I will be sending this along with the offer to assist letter from " Keep your home California '' that was denied by Caliber home loans, to anyone that is willing to listen. Councilman, Congressmen, Representatives, Federal Trade Commission & media outlets. I want my situation to help others unlike Caliber Home Loans. I have also included the approval letter from Keep your home California dated XXXX XXXX 2016, were assistance was denied by Caliber Home Loans.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following account I have NEVER opened or used the account listed below. I'm requesting the following inaccurate information below to be deleted from my Early Warning cosumer report immediately : XXXX XXXXL ( OPEN DATE : XX/XX/year> ), ( ACCOUNT : XXXX XXXXXXXX ), ( XXXX  : XXXX XXXXXXXX ).
Product: Credit reporting or other personal consumer reports

I am urgently addressing a situation regarding LVNV Funding LLC 's mishandling of a debt collection account associated with [ insert account number or reference if available ]. Despite my repeated requests, LVNV Funding LLC has failed to provide a validation letter, causing significant distress to my credit score. Additionally, LVNV has hired a collection agency, XXXX XXXX, which incessantly emails me for payment, further violating my consumer rights. 

I hereby request immediate removal of this account from my credit report and cessation of all collection attempts. Please take swift action to rectify this situation and restore my credit integrity. 

Thank you for your attention to this matter
Product: Student loan

In XXXX of 2012 I inquired about obtaining a degree in the medical field/becoming a medical assistant. I was soon bombarded by phone calls from the XXXX XXXX and finally was scheduled for an in person meeting with a counselor in the XXXX XXXX, NJ location. I was XXXX years old and unsure of what I wanted to do with my life. My counselor convinced me that the medical assistant program was for me because I would be certified in 9 months and XXXX would help me secure a job after my graduation. Even when I hesitated and told my XXXX I wanted to possibly start in XXXX, he insistent that I start by XX/XX/XXXX, meaning I had less than 3 weeks between my first introduction to the XXXX XXXX, to when I would start the medical assisting program. This was short time to make a decision. When I met with the financial services representatives at XXXX they quickly told me they could secure a loan with the XXXX XXXX XXXX to cover the cost of school remaining after federal loans. Again, I was XXXX years old and did not have a parent or guardian present to help with my decision ; just the knowledge that I was now starting school in less than 3 weeks and needed the funds to pay for it. The interest of my loan or how long it would take me to finish payments was never explained to me. I feel the XXXX XXXX in XXXX XXXX, NJ pressured me into enrollment and further more encouraged me to make an irresponsible decision in obtaining a private loan from the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two year ago my Carnival XXXX XXXX Mastercard was closed by Barclays Bank. On my final payment I overpaid by {$440.00}. I was supposed to receive my overpayment mailed back to me ; They never mailed my overpayment back to me. 
Just recently, I started receiving phone calls and emails from Barclays Bank just for payment. After talking to people at Barclay Bank it turns out they changed my credit to a debt. As it stands now Barclay Bank even added additional late fees and other charges to the account. I'm in the process of refining my properties ; however, I not able to with such a low credit score.
Product: Credit card

On XX/XX/year>, I received the attached email containing the also attached adverse action notice from the creditor, Comenity Capital Bank 's attorney. The adverse action notice states that they have closed my account for " threats '' and " conduct ''. The creditor also alleges receiving conflicting instructions as to contacting me. As the also included screenshot of the messages in the secure message center of the creditors portal will show, there is no " conflicting '' instruction as to contact they may have with me. I am adamant that I do not wish to receive any calls or messages from them regarding the account.The creditor believes they can require such contact to be made in order to use the account, despite providing that applicable account agreement that has been requested numerous times through the creditors website, through the secure message center as well as through their counsel of record who sent the attached communication to me. I further " threatened '' to enforce my rights relating to the previous filing of a complaint with the CFPB for the creditor not providing proper adverse action notice previously, as well as the creditor constantly restricting my account ( effectively closing such account ) with no adverse action notice at all. These are not " threats '' but rather actions I have taken due to the egregious violation of my rights relating to this account with this creditor.This is a deliberate act of discrimination against me for enforcing the rights available to me in good faith by the creditor.
Product: Student loan

I have been paying my loans since payments started back up in XXXX. I have called multiple times and am put on lengthy hold times with no resolution. 

I set up auto pay and get confirmation email payments but apparently none of them have gone through. I have received no messages indicating that this was the case. Then I get a random email saying I havent made payments. 

I contacted aidvantage and they said everything was fine so I kept up my auto payments. Still no notifications on payments not going through. 

I get another random email saying I havent made a payment, yet Ive been getting all these confirmation emails on these monthly payments.

I call again and they said my bank rejected the payments. They havent. My bank asks for reference # s for the rejected transactions and now aidvantage is saying they do not have that.

Both sides are saying its the others fault and Im sitting here stuck with payments and late charges and cant get anyone to answer and when they do answer, theyre unhelpful. 

XXXX XXXX XXXX is who I spoke with and who was unhelpful the most
Product: Credit reporting, credit repair services, or other personal consumer reports

I owned this car for 3 months and totaled it in an accident. My insurance company handled the payoff and title was transferred to the insurance company and out of my name XX/XX/XXXX. XXXX signed off on this. ( Doesn't that mean my account was paid in full? ) According to my credit report they claim my account was in good standing in XXXX of XXXX, the car was not even in my name in XXXX of XXXX ... .Fast forward to XXXX of XXXX they have it marked as a charge-off. XXXX XXXX now claims that I owe {$1900.00}. I RECEIVED NO NOTIFICATION OF THIS " DEBT ''. EVER! I found it on my report in XXXX or XXXX and XXXX is adamant that I owe this money from some vehicle service contract with a XXXX named XXXX XXXX. I declined this when I purchased the car. I even sent them the copy from the dealership that has no signature and lists my email as XXXX ' BECAUSE I DECLINED IT! They will not even discuss this with me now because they charged it off. This is a nightmare for me. Please help!!
Product: Debt collection

I paid XXXX XXXX XXXX   HRRG on XX/XX/2018 a medical debt which I had disputed. I felt like it was easier to just pay them. However, the debt collection calls have continued. On average, I receive 4 calls a day from XXXXHRRG. I contacted XXXX. They confirmed that the debt is paid-off. Every time I talk with them, they tell me that the calls will stop and I would be removed from the call list. However, the harassment has continued for over two months. Some of the recent calls came from : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. The HHRG is an alias for XXXX  XXXX XXXX. The HRRG website is hosted on the same webserver as XXXX. HRRG and XXXX both operate from XXXX, FL and XXXX, OH. 

I confirmed on XX/XX/XXXX that the HRRGXXXX  debt was paid during two separate calls. I was told that it would be updated and the calls would stop. However the calls continue to persist daily at all times.
Product: Debt collection

To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim that I owe ASC COLLECTIONS {$82.00}. This is a formal notice that your claim is again disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : I do n't have a contract with you, nor have I ever signed anything to ACS COLLECTIONS stating I had an agreement with you and owed any monies to ACS COLLECTIONS. 
Please be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. 
The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Product: Debt collection

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 
To Equifax Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) 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. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX. XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

I called Discover card to advise them that XXXX ( internet services ) credited {$380.00} to someone else 's account. I had no balance on my ( correct ) account and asked both XXXX and Discover to ensure that this unauthorized payment was not made. The payment was " pending '' when I called these two companies on XX/XX/2017. Both XXXX and Discover representatives ( on a three way call ) advised me on XX/XX/XXXX that the authorization had been removed and that the {$380.00} will not be taken out of my Discover account because it was unauthorized. Today, XX/XX/2017, I learned that after both XXXX and Discover representatives advised me the authorization was removed, XXXX went ahead and again requested the money from Discover and Discover charged my account for that amount, which they had just been advised was unauthorized. Both XXXX and Discover representatives were fully aware this was fraud. I have spent hours on the phone trying to get the money stolen from me refunded to my account. As of today, the money has not been refunded. I believe you need to conduct an investigation into these fraudulent practices. Discover and XXXX colluded to defraud me of {$380.00}, and caused additional damages given the amount of time I have had to spend on this matter, without a resolution so far. I am also looking into pursuing a private fraud case against both companies. Let me know what your investigation results are.
Product: Debt collection

Cavalry Portfolio Services has an open collections account listed on my credit report, which is of an old debt that was closed. Cavalry Portfolio Services relentlessly calls me ( both home and cell ), my spouse, my in-laws, my parents, my deceased grandfathers home ... multiple times per day. They have been told by multiple people to stop calling, and they continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX