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

The facts that I know is that an inquiry was placed on XX/XX/XXXX by XXXX  XXXX. The address that shows up is XXXX XXXX, NJ XXXX and their phone number is ( XXXX ) XXXX. After contacting XXXX  XXXX on XX/XX/XXXX, I was informed that XXXX was the one that used the software for this inquiry. I was given a reference number and instructed to call ( XXXX ) XXXX. After doing so and providing my name, it was mentioned there wasnt any information in the system at the time. 
In addition, a person by the name of XXXX contacted me from XXXX and let me know that she sees an application started but not finished. I let her know that I never started anything and that Im working with XXXX to get this fixed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, the inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
I called the company on XX/XX/XXXX and I called XXXX and Transunion on XX/XX/XXXX and XX/XX/XXXX of XXXX and they have no been any help at all. They said there is nothing they can do. Except to contact the creditor and ask for a deletion letter which I did and still waiting on but have not heard a Yes or No on.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. DISCOVER BANK has violated my rights as a consumer. I sent them a XXXX & XXXX on XX/XX/2022 and XX/XX/2022 asking them to cease all unfair communication through any medium but they continue to violate me by communicating with third parties and consumer reporting agencies. I sent them a Debit Validation letter on XX/XX/2022 asking for all documentary material including account ledger, balance sheets, accounting sheets, signed credit applications, XXXX XXXX Agreement and anything else relating to this alleged debt for consumer view and validation. They have failed to respond to my validation request by declining to provide an audit trail. They sent statements only that do not tell where the charges and credits originated or when. DISCOVER has reported inaccurate information to the consumer report agencies which is unfair to me because I have not been able to validate this alleged debt. This has caused me much mental stress because this has damaged my credit. They have harassed and abused me by using obscene language stating I owe this alleged debt. They have sent letters threatening to send me to an attorney which further violates my consumer rights.
Product: Checking or savings account

My account was closed with CURRENT online banking. Due to unauthorized tranactions and account take over. I tired to report my card missing for several different type of times but waa still unsuccessful. They had no customers service live or automated service. Only contacted that was available is thru vis emails and its was even more difficult because no one returns emails. At XXXX. So by the time which was on XX/XX/2020 arizona unemployment deposited XXXX
Product: Debt collection

I sent a certified letter to Allied International Credit Corp in reference number to their debt ref number XXXX. The debt collector ( XXXX XXXX ) failed to validate the debt after 30 days. Debt collector is continuing to contact me and is in violation of the FDCRA. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX
Product: Debt collection

Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016. 

This letter from XXXX XXXX references a home-based internet line : ( XXXX ) XXXX that was not further contracted after XXXX XXXX, 2016 when the contract ended. It was under the same account number ( XXXX ) as the voice ( talk, text, and data ) line reported : ( XXXX ) XXXX to the FCC after the line was disconnected on XXXX XXXX, 2016. ( XXXX ) XXXX is still contracted. I have not agreed to terminate my contract ( will not be paying an early termination fee of {$140.00} ) for this line and XXXX does not have this line connected for use as anyone that attempts to contact this number can understand when calling this number. This is the third attempt to collect on a XXXX bill in which services have not been rendered. I will not be paying for non-contracted services, services not rendered under this account or for not having service. You have been paid all you are due. 

XXXX XXXX has solicited multiple companies to collect on a debt not contracted, owed, or due and all have ceased collection activity on their behalf and notified both the consumer and the CFPB that collections have been ceased. XXXX has been the most recent company to cease collection on behalf of XXXX XXXX concerning this matter. Now on this attempt, XXXX has changed the number in specifics as to what the collection is indicated for ; indicating a contract for internet that was not renewed on XXXX XXXX, 2016 due to no longer needing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

DEPTEDXXXX XXXXXXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1700.00} Account Number : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I  have a student loan through Navient.My last year of college, the financial officer at my college refused to call them and tell them I was still in college. She said it was my responsibility. No other student with a loan that I talked to had to call Navient, but I called them anyway. They said it was the responsibility of the financial officer to call them not me. I told the financial officer that, but she still refused to help me and was adamant that calling Navient was my job not hers. When I called Navient back, they said my account could   be put on deferral, which was fine by me. However, when I checked my credit score, the 40 some thousand that I owed for my school loan was on my credit score report. If it 's in deferment, how can can it be used against me like that? I just graduated on   XXXX   XXXX   of this year! I should not have to start paying back this loan for at least six months. That was my understanding when I took out the loan.    I ca n't find the document that says that my account was in default, but I am enclosing one that says my deferment was coming to an end that was sent on  XXXX   XXXX ,    2017. I di d n't graduate till  XXXX !
Product: Credit card

I am a XXXX  staffer to XXXX  Attorney General XXXX XXXX. After conferring with the Chief of our Consumer Protection Bureau, she recommended that I file this complaint. 

On XX/XX/XXXX, my wife and I purchased a new oven and stovetop from XXXX in XXXX. They were running a promotion that provided 12-month, interest free financing if you made the purchase with XXXX  credit card processed through Synchrony Bank . I signed up for the card and made the purchase ( approximately {$3500.00}, I believe ). I also provided my bank account information to Synchrony so that the monthly payments could be auto-deducted. 

Fast forward to yesterday when I was about to purchase a new washer and dryer from XXXX. There is a similar promotion running right now that I wanted to take advantage of and the XXXX customer service representative advised that I would need to call Synchrony to confirm the purchase before she could process it. I called Synchrony and was informed via automated message that I have a balance of {$2100.00} from the XXXX purchase. This, of course, was startling as I thought the XXXX purchase was paid off at the end of XX/XX/XXXX. At that point, I enrolled my account in Synchronys online services so that I could see what happened.

I eventually was able to speak with someone through Synchronys online chat portal. She confirmed that they had the wrong address on file explaining thats why Ive never received a statement. Additionally, she advised that the account was set for minimum monthly payments and, because of this, there was a balance at the expiration of the 12 month promotional period resulting in interest accruing ( approximately {$500.00} to date ). When I inquired as to why and when the account was signed up for minimum monthly payments, she simply asked if I would like to change the monthly payment amount. I also asked that in the event that I were to use the card again for the newest purchase, would the new charge need to be paid off in the promotional period ( from todayXXXX  ) or would the entirety of the balance need to be paid off during that time. She again asked if I wanted to change my monthly payments. 

I then posited that I believe that, unlike other credit cards, new accounts are automatically set for minimum monthly payments in an attempt to ensure that a balance exists at the end of a promotional period resulting in interest owed to Synchrony. When I asked her to confirm this, she disconnected the chat.

I dont think an average consumer would suspect that a credit card company would simply enroll them in minimum monthly payments in order to ensure the expiration of a promotion of which the consumer wanted to take advantage as a means to collect future interest payments. Also, as an aside, this never would have occurred if Synchrony set the statements to the correct address as I would have reviewed the statement and caught the practice.
Product: Credit reporting or other personal consumer reports

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under XXXX XXXX  XXXX
Product: Debt collection

On XX/XX/XXXX at XXXX, a debt collector XXXXXXXX XXXX  XXXX sent a process server to my home looking for my ex wife. I explained that Im not XXXX XXXX and told him to have a nice day. The man through the paperwork on the ground of my property and said Ive been served. I exited my home and told him to pick up those papers as hes on private property and littering. He told me my house wasnt private property and he had every right to be here. I told him he was wrong and to get the XXXX off my property. He became more irate and threw his hand towards my fave which I responded that if he did that again Id lay him the XXXX out and to get of my property. He threatened me several times saying hed be back. 10 minutes after he left he left a voicemail on my work phone stating Im a XXXXXXXX XXXX and he should have knocked me the XXXX out. He then followed up with leaving a XXXX star review of my business. The address he came yo serve the paperwork is the legal address of my company which he XXXX  for the sole purpose making threats, harassment and libel. I went to my local police department and filed a police report. I have video of the entire incident as well as his voicemail and online review where he again called me a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The debt is for XXXX XXXX who is my ex wife since XXXX. Her debts have absolutely nothing to do with me.
Product: Consumer Loan

USAA knowingly uses a criminal enterprise to steal vehicles, cash inside the vehicles and personal identifiable information. 

USAA promised me I was being considered for a loan modification and promised me as long as the loan was in the process that nothing would happen. I find out later they lied and my vehicles were stolen off my property. 

USAA rep told me once a decision was made on the loan modification that I would have 5 days to bring the loan current if it were over 60 days. They lied and pulled a bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my XXXX XXXX and Equifax and XXXX credit reports. <P/>They said they closed these accounts but they are still reporting on my credit report as of XX/XX/XXXX.
Product: Debt collection

Back in XXXX there was mold all over the walls of my apartment at the XXXX apartment complex. i contacted maintenance on multiple occasions and left messages for the office but no response about the black mold. i emailed them on XX/XX/XXXX about me vacating the premises because i have XXXX and other underlying health conditions and it was affecting my health they came out and just tried to paint over it and they thought i would stay. they told me over the phone that i would not have to pay the debt and they even wrote a letter of recommendation to my current apartment complex where i live now so that i could move in with no problems. now XXXX i have a collection account on all three credit reports for {$2400.00} through XXXX XXXX automated collections. now XXXX will not answer or return my calls about the debts. XXXX XXXX removed this debt in XX/XX/XXXX after filing CFBP complaint. On XX/XX/XXXX Rent recovery solution llc appeared on my credit report for the same debt but amount owed {$300.00}. I do not owe this debt
Product: Mortgage

XX/XX/2016 My wife and I applied for a mortgage with WellsFargo. 
XX/XX/2016 Completed an RPA on XXXX, Ca XXXX, that included a security deposit of {$14000.00}. 
XX/XX/XXXX WF loan officer Loan officer emailed then called and spoke with my agent to tell her that the loan was approved. ( I have electronic copies of this email ) XX/XX/2016 My agent sent email to loan officer to confirm that in fact the loan had been approved and contingencies could be lifted. An email confirming this was received by agent who then removed contingencies. ( I have electronic copies of this email ) XX/XX/XXXX My agent and I separately tried to contact the loan officer to make sure that we were all set to close on XX/XX/XXXX. He was on holiday in XXXX and not answering his phone, returning calls or responding to emails. After calling the loan officer 's branch manager and leaving a message, she physically went to the branch office in XXXX. She met with the branch manager who had not been informed of the details of our file. She shared the emails with him and he told her that the loan officer should never have said that and that he needed to coach him to not say that in the future. 
XX/XX/XXXX closing date was missed due to incomplete financing. Seller denied extension and communicated intent to keep the deposit. 
Loan manager admitted fault in loss and provided contact information to apply for refund of deposit. 
XX/XX/2016 Official refund request was filed with XXXX at their Customer Care Recovery. 
Recurring 2-week extensions from WF until XX/XX/2016 when I was notified by XXXX that she was now reviewing the case and that any previous documentation could not be found. The entire process had to begin again. 
Recurring 2-week extensions from WF to date.
Product: Mortgage

I am an attorney representing a client on a probate estate for her late husband in XXXX XXXX County, Missouri. We were referred to by the Office of the Comptroller of Currency to file a complaint with this agency. 

My client previously obtained a probate court judgment - known under Missouri law as an " Order of Refusal of Letters to Surviving Spouse '' - therein awarding my client her husband 's  mortgaged home. This judgment was recorded with the XXXX XXXX County Recorder of Deeds, and pursuant to Missouri law, title to the home was transferred to her. 

She has attempted to complete a Successor in Interest transfer of the underlying mortgage with US Bank for over a year now. US Bank continues to send my client an identical stock letter requesting that she send in a copy of the most recently recorded deed, to complete the Potential Successor in Interest process. We have sent the aforesaid recorded probate judgment to US Bank on numerous occasions. They continue to fail to recognize or acknowledge that the judgment has been recorded and title to the property has been conveyed to Ms. XXXX by operation of law. There is no other recorded deed which we can provide. To date, we have received the identical letter five times now.
Product: Debt collection

The credit card company Avant calls me up to 3 times a day 6 days a week for over 30 days I have asked them more than once to stop calling and they still call me daily. When I have called them back and ask them to stop calling me and I get told they aren't calling me, that I called them. I have attempted 3 times to have them stop, including 2 times today XX/XX/XXXX at XXXX, and XXXX. 
their most recent calls are XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is report an account that is more than 7 years old on my credit report. This information is old and reporting more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has old addresses on my credit report that do not belong to me address is my aunt 's address. XXXX XXXX XXXX XXXX XXXX, PA XXXX Also has my mother 's day care as a place of employment for me. Never worked for my mother XXXX XXXX XXXX XXXX Names that appear on my credit report are also incorrect My name is XXXX XXXX XXXX Names reported are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A debt that I paid off almost 4 years is still showing on my credit report.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : DISCOVERBANK, NUMBER : XXXX XX/XX/year> Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH, PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

XXXX # XXXX open XX/XX/XXXX Amt {$1100.00} XXXX XXXX XXXX XXXX open XX/XX/XXXX Amt {$250.00} XXXX & XXXX XXXX XXXX open XX/XX/XXXX Amt {$700.00} XXXX XXXX  # XXXX open XX/XX/XXXX Amt {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder.

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous.

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred.

Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report.

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX