23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call from the number XXXX at work on XX/XX/2019 at XXXX XXXX. I was already in another ( work-related ) call, so I rejected the call. I called the number back a few minutes later, and the person stated the call will be monitored, it was an attempt to collect a debt, his name and the company name. I informed him that I received a call from that number, and he asked me for my name. Then he stated that he pulled up my records and needed me to verify the last four of my social security number.

Having been a victim of identity theft in the past and the increase in telephone scams lately, I was wary of giving him the last four of my social. I stated my concern and asked the representative what  account he was calling about to see if I recognize the account. He refused, stating that he couldn't divulge any further information until I verified my identity. He proceeded to ask me for my date of birth. I told him again that I didn't feel comfortable giving out my information all willy-nilly to some random stranger claiming to call from a debt collection agency, yet he couldn't even verify the name of the account in question. The representative proceeded to tell me, " You not giving me any information. We already have it. You're just verifying it. '' From my understanding of the English language and sentence structure, in this context, " verifying '' and " giving out '' my information means exactly the same thing. I have no way of verifying if this person is who they say they are, and it wasn't like I was asking him for his company 's secrets. I was only asking for the name of the account in question, which I couldn't do anything with besides like maybe pay it off -- and, never in my adult life, have I ever heard of someone stealing another person 's identity to pay off the victim 's debt. On the other hand, with my the last four of my social, date of birth, AND address, someone could literally call my bank/credit card company right now and do some damage. The representative stated that he could not speak to me about the account any further until I " verified '' my information, so I hung up on him. 

Overall, this representative from Midland Credit Management was  being shady.
Product: Consumer Loan

was offered to switch out of my current lease early to a new lease for a XXXX XXXX. after negotiations I have chosen to proceed with that. The dealership took over my previous car and gave me a new car per contract. The dealership was suppose to payoff my previous lease. In addition, there was a missing part, a home charger, which was missing from a new car. what was offered was to keep my existing charger and they would order a new one, or to just keep my old one for the duration of the new lease as it serves the same purposes and has no difference from the new to the old car. First, month and a half after the transaction, my wife started to receive collection calls from Nissan as the lease payment was not done. The callers were rude, unyielding and not understanding of the situation. After contacting the dealership, it turned out that they neglected to process the return and failed to notify Nissan of the transaction. It took numerous calls, horrific conversation until the dealership finally paid off their obligation and the calls stopped. Now, in later XXXX a new letter arrived which stated that the lease return had an outstanding balance, which was incorrect as the dealership was taking over everything and bought out the lease. after contacting the dealership and expressing this concern, I was assured that this was going to be taking cared off. The reason why there was a balance was due to the vehicle being returned off of lease with no charger. This again was a problem as I was never given one and again was told by the dealership as there was a missing charger, to keep the one I had before. Again, the dealership failed to notify Nissan of this issue. At the same time, I contacted Nissan and expressed my frustration with this issue and described the issue to them, during which time I also filed a complaint against a dealership. Now my wife is receiving harassing phone calls at work saying this issue with the balance has been sent to collections, being rude and completely unapologetic, not caring of the issue and threatening. This is completely wrong, this is fraud and negligent. The public needs to know the hazards that this presents in doing business with Nissan and this dealership. They should not be able to operate in this misrepresenting manner to deceive the public and then collude to through them into this spiral of collections and proving their right.
Product: Credit card

I called and spoke on a recorded line to an American Express representative about my account asked before I did the charge to XXXX in XXXX. If I will receive 5 % back I was told yes I went ahead and did the charge and only received one percent. 
Yesterday XX/XX/XXXX I was told that they would look into it and make the adjustment today I called back and the representative told me that the {$17.00} that I shouldve earned is not gon na be adjusted and I will only earn the XXXX dollars at 1 %. 
American Express listen to the call with the representative before the charge was done verifying that it would be 5 % or I wouldve never charged on my account when I even if I close my account, American Express representative did not care it will rather lose a customer for the {$16.00} adjustment when Ive been with you guys for 17 years, horrible service and not recommend American Express
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Request for Re-investigation and Removal of Incorrect Bankruptcy Listing on Credit Report I am writing to follow up on my previous complaint regarding the inaccurate reporting of a bankruptcy on my credit report by [ EQUIFAX ). Despite being verified, the bankruptcy entry remains a clear and direct violation of the Fair Credit Reporting Act ( FCRA ). I urge a thorough re-investigation and immediate removal of this incorrect entry.

US BANKRUPTCY COURT Account Number : XXXX XXXX. Persistent Inaccuracy Despite Verification : The bankruptcy entry on my credit report is inaccurate. Despite my previous complaint and the so-called verification process, this error persists. This not only causes substantial harm to my financial status but also undermines my rights under the FCRA.

2. Re-Evaluation of Privacy Rights Under FCRA : Under 15 U.S. Code 1681 ( 4 ), I am entitled to privacy and accuracy in my credit reporting. Re-reporting and verifying flawed information without thorough investigation contravene this statutory protection.

3. Questionable Permissible Purpose : According to 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies must have a verifiable permissible purpose to disclose my credit information. The maintenance and dissemination of inaccurate bankruptcy information do not meet this requirement and imply a serious oversight in due diligence.

4. Inadequate Re-investigation Process : The current verification does not align with the requirements of 15 U.S. Code S 1681 ( a ), which mandates a comprehensive and meaningful re-investigation of disputed information. The inadequate and superficial verification process has perpetuated this critical error on my credit report.

The persistence of this erroneous bankruptcy entry on my credit report despite prior verification is unacceptable and a clear violation of FCRA. I trust that the CFPB will prioritize this follow-up complaint, enforce compliance with FCRA regulations , and guarantee a swift and fair resolution.

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I finished my XXXX degree in XXXX of XXXX and graduated in XXXX of the same year. unbeknownst to me my loan be came due the in XXXX of XXXX. I began making payment upon notification but appraintly still behind. Which I was able to verify and confirm in XXXX of XXXX. An adjustment was made to my account in XXXX XXXX for a two year agreement to pay the interest only in the about of XXXX. Effective XXXX of XXXX I started paying XXXX ever XXXX weeks. As of today I was advised I had a balance due of XXXX. The representativive advised that program ended in XXXX of XXXX, which and because I was only making a payment of XXXX each month that left me with a deficiency of XXXX each month for the past 6/7 months. The only way they will rectify the situation is to set up an automate withdrawal. I have advised the numerous time that my payment is automately set up through my bank account and that I would perfer them not to have my account information. The representative also advised that they are not able to determine why the interest only ended before the two year term was up. Navient formerly none as XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony XXXX XXXX Credit Card. Was told of a promotional period, but was never visible as to what I had to pay within the Summary of Account History fully showing what is needed to pay, with the due date, as this is given on every statement. Then, I was charged an additional {$600.00}. Its like borrowing money from a loan shark! I almost had this bill paid off. How is this legal and allowed to happen? I thought the deferred interest was a reminder of the amount that I saved, not what I may have to pay. The additional {$600.00} was never in the Summary of Account History section of the bill, and never shown this interest amount due each month. Not fair. {$600.00} more, for not fully having the deferred interest in an obvious placement within the Summary section. I am a loyal customer. I should not have to pay the extra {$600.00}!!
Product: Vehicle loan or lease

On XX/XX/2018 I signed a three year lease agreement on a XXXX XXXX from XXXX XXXX. At the time the car was not on the lot but expected to arrive within the week. They had told me it is showing on their database as in transit to arrive soon. I left expecting my XXXX within a week at the latest. Two weeks went by and I left for a family vacation without my new car, which I  expected to have for the trip. During my trip they called me to come in for a courtesy vehicle. On XX/XX/2018 I received the courtesy vehicle and again they told me my car should be in this week. They stated the computer showed my car in transit. On XX/XX/XXXX, I made a phone call to XXXX railyard. The manager said that vin number was not showing in her system which means it was not on its way. After that, I went to dealership to complain and ask if they could give me one of the four XXXX 's that were sitting on their lot. They stated it was out of their hands and they could not because I had signed a lease to a particular Vin Number. They continued to tell me my car was showing in transit. I have also been in contact with cooperate headquarters. They could not give me any answers nor were they willing to help me. I wanted out of my lease and after three weeks, I never received an answer. On XX/XX/XXXX, after a phone call to XXXX, I learned my car was finally showing " in transit ''. It's arrival date was XX/XX/XXXX On XX/XX/XXXX, I went to XXXX to pick up the vehicle. They were not willing to make this situation right in anyway. They put the blame on cooperate and cooperate put the blame on XXXX. I was inconvenienced and lied to for almost two months and all XXXX offered was to pay my two lease payments ( which I never actually had the car ). I am very disappointed and completely unsatisfied with XXXX XXXX of XXXX, Ohio.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Debt or credit management

I have contacted all credit bureaus XXXX XXXX XXXX XXXX to dispute and remove what is showing on my credit files it's been months years that I've been doing this I wrote to them and nobody has done anything to help me I never had anything under my name never even had a loan never got a purchase a vehicle never opened a bank account the reason because I still live with my parents and as I get older I'm trying to build my life of my own and it's very difficult with this showing up in my credit how do they expect me to build credit when they're not helping me whatsoever I asked to have it removed from my credit file and I also disputed all the inquiries of showing and I never gave anyone any authoriza to do anything or my credit to be rebuilt or anything like that
Product: Credit reporting, credit repair services, or other personal consumer reports

This morning ( XX/XX/XXXX ) I received an alert from my bank that my credit had fallen because I had a delinquent account. I checked my credit reports and found that I owed XXXX XXXX XXXX ~ {$11000.00}. When I called up XXXX XXXX XXXX they gave me information regarding an account I had with XXXX XXXX where XXXX XXXX XXXX XXXX XXXX 's were purchased under my name in XXXX. While XXXX XXXX XXXX had my correct social security number and date of birth the address and email address were incorrect. I called up XXXX and they are unable to find the account that XXXX XXXX XXXX gave me. XXXX XXXX XXXX stated that this account will be disputed but can take up to 60 days to be corrected on my credit report. However, I am currently in the process of purchasing a home and need it removed soon so that I may be able to complete the purchase. XXXX XXXX suggested that I file a report with CFPB to expedite the process since multiple phone calls and agents at XXXX XXXX were unable to locate this account.
Product: Credit reporting or other personal consumer reports

XXXX Learned of the Equifax Data Breach that occurred XXXX went to website eligibility.equifaxbreachsettlement.com and received a message our records indicate your personal information was impacted by this incident. For assisted identity restoration services, please call Experian at XXXX and provide engagement number XXXX, The data breached was Social Security numbers, birthdates, addresses and drivers license numbers. Upon pulling my 3 full credit reports I discovered lots of accounts I did not request or sign up for. I also identified numerous addresses and phone numbers that I am unaware of. Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered XXXX Total fraudulent amount : {$1100.00} Credit Card Opened by the Thief Company or Organization XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$510.00} Credit Card Opened by the Thief Company or Organization XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$650.00} Credit Card Opened by the Thief Company or Organization XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX https : //www.identitytheft.gov/dashboard XXXX Fraudulent Information on Credit Reports Account Number XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$690.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$200.00} FTC Report XXXX 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. My information was exposed in a data breach and this information must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, All three major credit bureaus ( XXXX, Experian, and XXXX  XXXX are reporting my student loan accounts with XXXX and XXXX inaccurately after I have disputed the items several times and gave them supporting documentation from the educational loan service providers confirming that my accounts have never been delinquent, they are in good standing ( deferred ), and not included in bankruptcy. I've requested that XXXX be deleted from my reports because I do not have a balance with them and they no longer own my account. XXXX reported this account closed as of XX/XX/XXXX and the credit bureaus refuses to delete this loan service provider from my credit files. I also requested that my XXXX accounts be taken out of a negative status and reflect positive as these accounts are deferred and in good standing with the department of education. I'm filing a complaint because I have been disputing this inaccurate information since XX/XX/XXXX to no avail. Please assist me with having this information reported accurately on my credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act This Account XXXX XXXX XXXX as 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 In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.

have 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 In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Product: Credit reporting or other personal consumer reports

Request for Deletion of Inaccurately Reported Charged-Off Debt from XXXX XXXX XXXX .

To Whom It May Concern : I am writing to formally request the deletion of an inaccurately reported charged-off debt from XXXX XXXX XXXXXXXX. that appears on my consumer report. XXXX XXXX XXXX has refused to issue a 1099-C form for this charged-off debt, stating that the debt remains my responsibility despite being reported as charged off on my consumer report. Their response to my request for accurate reporting under federal law remains unsatisfactory. Please note that I have previously filed a formal complaint with the Consumer Financial Protection
Bureau ( CFPB ) regarding this issue. XXXX XXXX written response to the CFPB, which I have attached, confirms that they " can not accommodate my request for a completed 1099-C form '' and assert that the debt remains my responsibility. This failure to issue a 1099-C contradicts Ally Financials reporting obligations under IRS Code 6050P, which mandates that canceled or forgiven debts be reflected in consumer reports with a corresponding 1099-C form issued to the debtor.

Furthermore, under the Fair Credit Reporting Act* ( FCRA ), 15 U.S.C . 1681s-2 ( a ), creditors have an obligation to report information accurately to consumer reporting agencies. By declining to provide a 1099-C for the charged-off debt while asserting that I still hold responsibility for it, XXXX XXXX is presenting an inaccurate and misleading report of my credit history. I request that this charged-off account be removed from my consumer report to maintain the accuracy and integrity of my financial record.

Please find the attached CFPB response from XXXX XXXX XXXX for your reference in supporting this deletion request. I appreciate your prompt attention to this matter and am available to provide any additional documentation if necessary.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

THROUGH OUT THE YEARS COLLECTION AGENCIES CONTINUE TO PUT THIS IN MY REPORT AND THEY TAKE IT OUT HERE IT IS AGAIN PLEASE FINE THIS COMPANY FOR FALSE INFORMATION XXXX XXXXTO : FCRA ALL and CFPB CSS COLLECTION {$190.00} Reported balance Original balance {$190.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 3 yrs, 0 mos ) Account status Open New York State Attorney General The Capital XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX This company has violated my right as a consumer and put false accusation in my credit report. The collection s agencies continue to pick this account for many years and deposit it in my credit report I find myself constantly battling this same issue. I asked that this company be fined {$1000.00} for the repeating aggravation of this issue. I do not nor have I had an account with this collection agency or their creditor. 

XX/XX/XXXX Attention : CSS COLLECTION XXXX XXXX XXXX XXXX, MA XXXX I am requesting a validation of CCS XXXX XXXX due to this company has been inserted in my credit file once again. This entity has been removed serval times please request a validation for the 3rd time. I ask that you remove XXXX XXXX from my report. 
Remove your derogatory remark from my credit report. 
This is a consumer disclosure section 609 which is to provide for the protection of consumers against false an erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a true copy of the original signed creditors documentation Thank you XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, CT XXXX
Product: Checking or savings account

TD Bank wants me to drive while XXXX to another state in the middle of a hurricane to sign a signature card because they failed to get one from me after having me open up an account over the phone. The money originated from an account with a signature card on file. This puts not only my health at risk but my XXXX  heath at risk. Last night we had tornado 's came through and TD Bank will not release funds for me or my family to get groceries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022, to remove my personal information that I don't want on my credit profile. According to the Fair Credit Reporting Act 12 USC 1681, states I have the right to privacy. Also according to 15 USC 6802, NO Financial institution have any right to share mu information to a third party. Based on these inaccurate and personal information that has been furnished on my credit profile is a direct violation of my federally protected Consumer Credit Act. 

There is no third party involved in this situation