23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Credit Systems is attempting to collect an illegitimate debt on behalf of XXXX XXXX XXXX, specifically their property in XXXX, FL for which I was notified by the leasing office that I never signed the final and complete copy of the lease for on XXXX XXXX, XXXX. I never moved into or received keys to this property and National Credit Systems is attempting to collect the amount owed for an entire lease term, despite the fact that the proper paperwork was, according to the property, never completed and turned in. Going off of what was sent to me in the voicemail on XXXX/XXXX/XXXX, ( which I have proof of ), I assumed that no action needed to be taken. I am not responsible for this debt in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

credcoXX/XX/06-21 I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well. 
credco-XX/XX/06-21 I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well. 
XXXX XXXXXXXX I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and XXXX as well Credco-XX/XX/2021 I did not authorize these Inquiries and I sent in a dispute over 30 days ago to XXXX and called as well XX/XX/XXXX XX/XX/XXXX This is inaccurate information that I disputed to XXXX over 30 days ago and it is still on my report XX/XX/ALPHCOS XX/XX/XXXX This is inaccurate information that I disputed over 30 days ago with XXXX, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you XXXX be liable for your willful noncompliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation.
Product: Debt collection

On XX/XX/, I reached out to Discover to discuss my credit card debt. Discover reported that the debt was charged off in XXXXXXXX  to XXXXXXXX XXXX XXXXXXXX XXXX. I did not understand why because I was making a flat payment of {$50.00} to discover that they stopped and did not inform me. 
Discover quoted me {$2000.00} that I still had to own. However, XXXX and XXXX XXXX said I had to pay {$4000.00}. 
I disputed but was decline so I disputed again. XXXX and XXXX as not been helpful and down right rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Financial reported late fees for my account with them the entire year of XXXX, XXXX and several months in XXXX. I have paid these payments on time but for some reason they have been reported as late which is preventing me from moving forward with getting my credit report and score updated to a positive number. This is preventing me from purchasing a home. I have contacted the company, I have emailed the CEO of the company in which they denied to look at my account to correct the issue. I have sent letters and they have not been answered. I sent my payments in and they have been reported late although they were on-time.
Product: Credit card

My windows were installed by XXXX XXXX XXXXXXXX. My loan was with Regions now Enerbank. The original loan was for windows in the amount of {$11000.00} on XX/XX/year>, I have made a totaled payments in the amount of {$1500.00}. My balance is {$11000.00} which does not make any sense, I was just informed today the interest was compiled daily. The more I pay the more interest they get?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i was looking through my credit report again couple of hours ago, and notice items that i been going back and forth with the 3 credit bureaus since XX/XX/2017 and they yet to get them resolved. I've called, mailed several letters and asked for update and they haven't updated those items. There are several accounts listed with multiple inaccuracies and it's a total violations to the state and federal laws. 

XXXX XXXX  Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX  Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX XXXX Account # XXXX : =>I demand that these items be investigated and removed from my report. 
l XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX/XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report. 
l XXXX XXXX Account # XXXX ; =>I demand that these items be investigated and removed from my report.
Product: Debt collection

According to my credit reports, Transworld Systems Inc/XXXX  opened a debt collection account on XX/XX/2023 for {$4900.00}. Transworld has never notified me of any debt and is falsely reporting the account. This is impacting my ability to borrow as my credit score has been impacted.
Product: Vehicle loan or lease

This company continues to report this fraudulent account to my consumer report although I have taken all of the necessary steps to find justice in the fact that this account was not opened with my consent nor have I ever visited a branch or received any assets from the nature of this loan. I have no knowledge of the vehicle that was purchased nor have I ever possessed a vehicle from an auto loan acquired by USAA. This is a clear indication of foul play or fraudulent activity as someone had to have run my information to obtain credit. Im asking that you remove this account from my credit report and please notify me of any attempt to acquire credit in my name by reaching at my email or phone number XXXX or XXXX. 

Ive gone ahead and have disputed this fraudulent account once more with credit bureaus and am hoping for a speedy resolution as this has been troublesome to deal with.
Product: Checking or savings account

My employer sent a direct deposit in the amount of {$2100.00} that was supposed to be posted on XX/XX/XXXX. Capital one said they were having system issues and that they were working on resolving this issue. The representative stated that it would be by the end of day XX/XX/XXXX or early morning of XX/XX/XXXX. The deposit still has not posted. They never sent an email stating an issue until XXXX on the XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a card that doesnt belong to me. Ive sent numerous request for this information to be removed from h credit report. The address listed has never belonged to me nor have I ever stayed at the address on my report. I dont know if that address exist to be honest. Ive tried different ways to get this taken care of and it just keeps being reported inaccurately.
Product: Credit card

i got laid off on XX/XX/XXXX XXXX i called capital one right away and let them know. since they have people overseas handling their calls, they didn't understand or provide help, they just said i need to pay hundreds of dollars i didn't have. even when i got a job and was under employed i couldn't afford the payments. they just kept saying the same thing. wouldn't lower payments til i got on my feet. then they closed the account which i can understand. they didn't help me in a time of need, now they served me with court papers. i don't know what to do now. i also have a car payment with them which i got 1 month deferment but i make those payments every single month. so that shows im not trying to get away with anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an XXXX  years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

I am currently in the process of trying to get a loan modification with Nationstar Mortgage.I was approved for a modification when my mortgage was with XXXX.Only to have XXXX transfer my mortgage to Nationstar and I had to start the process all over again.I submitted all my paperwork into Nationstar only to have them continue to say I was missing items. ( All items requested were submitted ) After submitting my paperwork over 16 times I had no choice but to file for Chapter XXXX.I am now again trying to modify my mortgage outside of my BK and wanted to know is their someone that I can work with from start to finish to complete this task correctly.
Product: Credit reporting or other personal consumer reports

On XXXX, I sent a certified letter to Experian to investigate these accounts that were not reporting accurately : XXXX. XXXX XXXX XXXX Secured Loan with account # XXXX XXXX. XXXX XXXX Secured Loan with account # XXXX XXXX. XXXX XXXX Credit Card with account # XXXX XXXX XXXX XXXX XXXX XXXX Credit Card with account # XXXX XXXX. XXXX XXXX XXXX with account # XXXX XXXX. XXXX XXXXXXXX XXXX with account # XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX My results did not correct the investigation. On XXXX I sent another certified letter asking Experian to reinvestigate. I have not received the results that I requested. Under 15 U.S.C Section 1681i, I have the right to reinvestigation of dispute information. Experian has violated my right by failing to conduct a reasonable investigation and notify me within 5 business days after investigation is completed. Under 15 U.S.C Section 1681e ( b ), I have the right to accuracy of my reports. Experian has violate my right by not ensured that the information on my credit report is up to date and accurate.

Under 15 U.S.C Section 1681n and section 1681o, I have the right to sue for actual damages, statutory damages ( up to {$1000.00} per violation ), punitive damages and attorney 's fees due to Experian willfully failing to comply with the FRCA.
Product: Checking or savings account

I have been working on opening a school and once my business partner and I got to the point where we were ready to purchase our building for it he attached his external acct onto my savings acct that I had with XXXX by XXXX and XXXX. He then proceeded to transfer the funds that was needed to make the purchase and we went from there. Neither of us were aware that this violated XXXX 's policy for acct. to acct transfers. The online banking said that the transfer would go through in XXXX business days so we began to wait. I was emailed by the bank about an issue with the transfer, basically saying that since it came from a business acct it could only go into another business acct. I explained that I wasn't aware of that and asked what I could do to fix it. I was told that I could either send the funds back or I could simply close the account and request for all of the funds to be sent to me. This was back in early XXXX, I have gotten nothing but the run around since then. I was locked out of my account and can not see any activity that is going on in it, was told that it was forced closed etc. and then was contacted by a member from their review team XX/XX/year> and was Promised that my acct was being closed and that my funds were being sent via transfer to my external acct that was on there. Only for me to call the day before the transfer is supposed to go through and was told that one of the members there decided to send my funds back to the business acct and that they will then send the remaining funds. I asked for proof and was told that I could not get it as well as I requested to speak to the member that contacted me and was told that I could not. I explained that this was Never authorized by me and was considered to be theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th time contacting Experian and XXXX about violating my consumer rights and reporting late payments on my consumer report in XX/XX/XXXX  for account XXXX XXXX XXXX XXXX 

This is now beginning to affect my livelihood and chances of buying a home. 

Because this is my fifth attempt and I have proof of me contacting both XXXX and Experian I will seek legal action if the late payment for XX/XX/ is not removed
Product: Debt collection

On XX/XX/XXXX, I had a XXXX to replace a XXXX in my XXXX. After the XXXX, I had accumulated a significant amount of billing associated with the XXXX, all of which were sent to XXXX XXXX XXXX XXXX, my healthcare insurance company at the time. Unlike everyone else, XXXX XXXX XXXX XXXX ( XXXX ) neglected to submit a bill to my insurance, and a little over 3 years later I received a notification from Capital Accounts LLC that I owed {$8500.00} to XXXX. This was my first ever communication ( to include a bill ) from XXXX. As per Texas Statutes Code 146.001, a heahthcare provider shall bill a patient or other responsible person for services provided to the patient no later than the first day of the XXXX month after the date the services are provided. I have verified with my former plan administrator ( XXXX  ) that XXXX did not submit a claim with them, or with XXXX. Furthermore, Capital Accounts was not able to validate my dispute which was sent via Certified mail within the allotted 30 day time period ( still has not responded with debt validity to date ), and is in noncompliance with the FDCPA for this reason. In addition to stating they did not receive my certified dispute during a phone conversation, Capital Accounts submitted the collections to all three credit bureaus on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Not sure how long. I just startes monitoring my accounts, info, data, etc. 
Just want my correct information on file. 

My primary email is XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had did a transaction on cash app for {$270.00} to receive a product on XX/XX/XXXX. I never received my product I contacted Cash app they told me to go through my bank I went through my bank they gave me a provisional credit then took it away in which caused a lot of fees in my account due to the merchant stating I need to fight the transaction with them directly and from that point I have been doing so and to no avail they will not contact me back nor acknowledge my emails for help. Before I go and file a suit against the company and the person I just want my money out back in my account
Product: Credit reporting

I have XXXX late Medical Bills only on my Equifax report {$1000.00}, {$35.00}, {$35.00}, {$35.00}, and they have been removed from XXXX but having no assistance from Equifax I am a XXXX and XXXX Vet and also have XXXX and Medicare Insurance I see the VA for free and even If I use outside the VA I pay nothing because I am primary on both of my medical insurances. I have used medical outside the VA before and because of my Medical coverage I pay nothing. I have tried on several occasions to contact Equifax with no results and no response. I have used XXXX for Equifax, XXXX, and your agency and only been able to to get responses from XXXX which immediately removed the medical bills and your agency which sent me to this site any assistance in this matter would be of great help to have these bills removed from my credit report. again Thank You
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 XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( XXXX XXXX, BANK OF AMERICA ) willfully violating the FCRA . Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.
Product: Payday loan, title loan, or personal loan

These XXXX companies need to better regulated as they are using a lot of bait and switch tactics to lure consumers in and then quickly change up the pricing/rate on people. With Commonbond, I sought them to refinance my student loans currently with XXXX. I went through filled out their application with the correct information, they did a soft pull of my credit and offered me a rate of 4.15 % for 20 years, in which I was elated because I am currently paying 5.235 % with XXXX and that reduced by rate by more than XXXX and would shave almost {$120.00} dollar off my current payment amount. Submitted my paystubs, connect my XXXX loan so they were able to see the rate and current amount, and commonbond proceeded did a hard pull of my credit. As of this morning, for the same 20 year loan, the rate has now jumped up to 6.3 %. I have high income, excellent credit, and low DTI. Ive never been late on any bill or my student loans. While most folks loans are deferred and not paying, since mine are private I have been consistently paying on-time during this COVID environment. So I do not understand why I was originally quoted 4.15 % and now being shown 6.3 %. All information provided was accurate and I provided my paystub to support the income I provided. I feel that if I were of XXXX decent and not XXXX XXXX, my rate would be still 4.15 %. These companies have been allowed to skirt many of the rules put in place to avoid skeptical business dealings and enforced with banks and it is about time they fall under the same rules. They should no longer be allowed be loose pitbulls.