23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

When the calls started I was at work I would answer and let them know that I could not speak with then right now I was at work if they could reach me at a later time to discuss the matter at hand. They were very rude and demanding that I speak with them now would not take not right now for an answer ... being that I was at work I would have to hang up they wld call back repeatedly by they I mean ( IQ Data ) the calls were more than 2x a day  even after I had already spoke with them once that day they would call back with in minutes talking about how this would go into legal action if not handled right then and there. Again I was at work but that was no exception to them. I'm not sure if this will help but I'll be filing a formal complaint with the states attorney about this company
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Debt collection

After reviewing my credit reports I am showing that I have a collections account owed to Recovery One LLC on the behalf of XXXX. I am not liable for this debt with charter communication. I do not have a contract with Recovery One LLC. They did not provide me with the original contract as I requested.
Product: Debt collection

XXXX XXXX XXXX XXXX has opened an account on my credit of {$1900.00}. I am unaware of this charge and I would like it disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : MNCHILDSUP Account Number : XXXX Account Name : MN CHILD SUP Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

A transaction on my Synchrony account was made on XXXX XXXX in the amount of {$1000.00} at XXXX XXXX XXXX XXXX, NY XXXX. The items purchased were scheduled to be delivered within 2 weeks as stated by XXXX an employee for the furniture company. I patiently waited 1 month for delivery. I placed many calls between the bank, merchant and delivery department. After making several calls, I was notified that some items were not available due to recall as stated by one of the Merchant 's employee ( XXXX ). I was asked if I would like to look at anything else and I replied no thank you! XXXX called over to the main office in XXXX, NY to express I was not interested in anything else. XXXX proceeded to issue out a refund. I notified Synchrony bank about the issue at hand. They conducted there own investigation and found favor for the merchant. However, I have a debt with nothing to show for it. I did not receive any of the items. And I did n't get a refund that was also promised.
Product: Mortgage

My loan was set up with LoanCare LLC in   XXXX   of 2017 I made my first  XXXX  2017 Payment early in late  XXXX . They accepted my payment for  XXXX  but I started having trouble in   XXXX    2017. My wife had made a payment and mistakenly put her name as the payer. The payment for some reason was returned. Since then, I have paid over 4 times with 7 of my payments being reversed. reapplied and reversed. It has been a nightmare to try and pay my mortgage company. I made a payment for   XXXX   and  XXXX , which was finally accepted by LoanCare, on  XXXX   XXXX  2017. For a whole month there was no reversals of the payments. On   XXXX      XXXX   2017 I made Payments for   XXXX   and  XXXX  2017. Guess what happened next, they decided to reverse my  XXXX ,  XXXX  and  XXXX  payment then reapply my two payments for  XXXX  and   XXXX    thus leaving out  XXXX  and I am back to supposedly owing them another payment. I do n't understand why this is happening. I talk to my bank and they do n't show any record of rejected payments. I talked to LoanCare and all they tell me is that its the bank or that I have Non Sufficient Funds. I am struggling to make my payments on time even though i am making them on time. This should not be happening. If anyone has an opportunity to work with LoanCare LLC please do n't, Save yourself your money, time, and high stress
Product: Debt collection

I am monitorin g My Credit report and I contacted Credit Management   XXXX   XXXX ,  2017  @  XXXX  est. I have no contract with  them 15 usc 1692. I ask for a validation. Agent sta ted that I was n't in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXXUS DEPT OF ED/XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXUS DEPT OF ED/XXXX XXXXXXXX
Product: Bank account or service

I have tried to pay Synchrony Bank ( formerly GE Capital ) and they have no after hour support to take may payment. As a result, they continue to tack on late fees in newinterest charges. I am a senior on a fixed income. This is very troubling to me that noone is available after hours to help me.
Product: Debt collection

Southwest Credit Systems contacted me about a debt owed to XXXX on XX/XX/2024 at XXXXXXXX XXXX XXXX I have not yet received a final bill from XXXX after switching my service to another provider on XX/XX/2024, nor have I received a written notice from Southwest Credit Systems of a debt. 

When I called XXXX customer service, the agent relayed to me that they do not show that my account has been placed into collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing which are negatively impacting my credit. I looked through each account and none of them belong to me. I did not open any of the accounts listed on this report and I did not allow anyone to open these accounts in my name. I don't know who is responsible for these accounts or who could have opened them with my information since I have never allowed anyone to open any account or loan in my name. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I ever make any payments towards them. I am not affiliated to any of these companies in any way and I have never given them access to view my credit file. I have filed a police report regarding all of these unauthorized accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccuracies that I have identified on my credit report : XXXX. **Account Name XXXX XXXX XXXX XXXX  - Account Number : XXXX - Amount : {$830.00} The collection agency has failed to validate this debt despite my requests. I would like to know how this account was verified. Under the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of this account from my credit report as its presence constitutes a violation. 

XXXX. **Account Name : XXXX XXXX XXXX  - Account Number : XXXX - Amount : {$960.00} According to section 1681b ( g ) ( 3 ) of this title, certain exclusions are inapplicable for information disclosed to persons related by common ownership or affiliated by corporate control, especially with respect to medical information and lists describing or aggregating payment transactions for medical products or services. I request clarification on the verification of this debt and insist on adherence to the privacy requirements stipulated by law. I demand an immediate removal of this account from my credit report as its presence constitutes a violation. 




XXXX. **Account Name : XXXX  - Account Number : XXXX - Amount : {$20000.00} This account is in violation of 15 U.S.C. 1681i ( 7 ), which pertains to the method of verification. It has been reported without valid evidence to support its validity. I request a thorough reinvestigation and removal of this item. 

XXXX. **Account Name XXXX XXXX XXXX Account Number : XXXX - Amount : {$8200.00} In accordance with 15 U.S.C. 1681i ( 5 ), if an item of information is found to be inaccurate or can not be verified after any reinvestigation, it must be DELETED. This account falls under this statute, and I demand that action be taken to correct my credit file promptly. 

XXXX. **Account Name : XXXX  - Account Number : XXXX - Amount : {$1400.00} I am disputing the validity of this account under 15 U.S. Code 1681i. This law requires that inaccurate or unverifiable information be removed from my credit report after a reinvestigation. This account has been reported without valid evidence of its accuracy. I request a thorough reinvestigation and the immediate removal of this item from my credit report. 

These errors have negatively impacted my credit score and could result in significant harm to my financial standing. I expect a prompt response to this letter, and pursuant to the FCRA, I request that these disputed items be investigated within the statutory timeframe of 30 days. 
Please send me documentation reflecting the outcome of your investigation and the actions taken to rectify these issues on my credit report. 
Should you continue to report these items without properly verifying them, be aware that I am prepared to escalate this matter to ensure my rights under consumer protection laws are fully upheld. 

Thank you for your prompt attention to these serious matters. 
Sincerely, Attachment : copy of the credit report with disputed items highlighted
Product: Debt collection

A company with the phone number XXXX calls both my cell phone and work phone repeatedly. They do not leave a message, merely stay on the phone long enough for a voice mail to register.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  : Account number 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 card or prepaid card

I complaint to CFPB on XX/XX/2023 for missing the Cash Rewards from Bank of America. The case number is XXXX. I think I paid the XXXX 's bill, but they said not. They dont let me know why I already paid but they still said no pay. After that they write a letter to discontinue my current program and transfer to another completely different plan since XXXX XXXX without my prior consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to the company on a few occasions in regards to the one account that was supposedly billed to me by the XXXX XXXXXXXX XXXX I wrote a letter to them sent it certified and return receipt request asking that they provide me with the documents from the original creditor showing my signature and proving that I had accepted the debt because I have never been to the hospital that is requesting payment and therefore the account is fraudulent. I received a paper back with what is very obviously a forged signature. I called the company asked for a manager and explained to the manager that if they compare the signature to the signature on my ID you can clearly see that they do not match at all. I was told by the manager it looks like your signature to me and then was hung up on. After that I then sent another letter requesting the same that I had requested in the first letter and I received a contract that had nothing to do with the XXXX XXXXXXXX XXXX  that I was requesting it was a contract from XXXX XXXX XXXX XXXX  and they were claiming that the account was unpaid and I owed in the amount of {$5200.00}. The original debt was {$1500.00} and was paid in full by cash two days following the signing of the contract. How this collection agency has any knowledge of this account is beyond me as this account was never late or owed it was paid in full two days after signing it which is how the person was bailed from jail. At this point Im not sure what they are trying to accomplish but I am being lied to every time Im in contact with them and they are playing games and I believe their actions are illegal. I also believe that the manager may have been the one who forged my signature on the paperwork of the XXXX XXXX XXXX  I have provided to this company on a couple different occasions proof of my being a victim of identity fraud and still they ignore anything I provide to them. The account from that hospital has actually been removed from my account before and then added back on. It is on all three reports and is seriously negatively affecting my score and I feel helpless at this point against them. They have also added the made up bail bonds account to my husbands account. Any help with this would be greatly appreciated as I believe Ive tried everything within my ability to get them to correct these things and they are clearly not playing by any rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Experian has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please report the payment status positive and update the late from reporting on this account. 

XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This account has a late payment XX/XX/year> which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received two reports from you, one only contains the date and rating, that is not what I am asking for, and the other is incomplete. I attach the reports. I am within my rights to be provided with this proof since this affects my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX 2021 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 or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have a XXXX XXXX secured card that I deactivated but when I go on to see my credit score on independent websites, it shows that I have a XXXX XXXX credit card since XX/XX/2016 when I have never used any XXXX XXXX card. I filed a complaint with XXXX already and it has been solved but I have a problem Equifax because I don't want that on my credit score. That is my problem and I hope you could help me with that.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and Financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with Affirm INC was paid in full in XXXX prior to my regular payment to be made. My credit reports were not updated.
Product: Debt collection

I sent the attached second RESPA request to this party and got a non response stating they object to my requested documents, this is the second time I've been responded to stating that my request is too vague denying me my RESPA requested documents. This party is denying me my rights to these documents under Section 6 of the RESPA.
Product: Debt collection

I tried to get in contact with the company after receiving emails from them, told them I don't own this debt at all and they did not do anything. I'm getting my identity stolen since always and Im trying to do something about it and deal with this account but nothing seems to work.
Product: Mortgage

I qualified for a conventional loan with Zillow for a family estate property sale. The closing amount went up from {$100.00} to {$1400.00} to around {$4500.00} to close. I had been gifted {$39000.00} of equity in a family estate sale. The real estate sale called for me to pay an additional fee of XXXX $ for an extension of 7 days just so i could keep the interest rate at the initial 5.5 %. The under writer also said that I had to get another insurance on top of that I already had at XXXX XXXX So many extra fees and issues have started to pop up. All this at the time we should have done closed. I had to pay extra because we went past our closing date. All these extra fees are accumulating at the approaching closing date. These fees were never discussed in the beginning or anywhere. What should have been a relatively easy process has turned into a disaster, I'm in fear of it ruining me financially. I had excellent credit when this started, my score was nearly an XXXX. I already have bought and paid for one house which I'm gifting to my grandson. Financially stable more than adequately. Now after all this deceitful, outlandish rigermoral I'm worried about my credit being trashed, something that I have worked hard on to have in good standing. They have stomped all over it.
Product: Debt collection

I ENTERED INTO AN AGREEMENT WITH XXXX THAT I WOULD PAY MONTHLY ON AUTO PAY AND THEY WOULD NOT REPORT ME AS A CHARGE OFF ; IN ADDITION THIS ACCOUNT IS OVER THE 6 YEAR STATUTE OF LIMITATION FOR NEW JERSEY. THIS COMPANY REFUSES TO GIVE ME A SIGNED CONSENT, AGREEMENT, PURCHASE AGREEMENT, RECORDED CONVERSATIONS AGREEING TO THESE TERMS. THEY ARE REPORTING ME AS A CHARGE OFF ; I DID NOT AGREE TO THIS. IF THEY DO NOT CORRECT THIS I WILL END ALL REMAINING PAYMENTS AND XXXX XXXX, THE CREDIT REPORTING AGENCIES FOR NOT REMOVING THE ACCOUNT AFTER THE 6 YEAR STATUTE OF LIMITATIONS. XXXX HAS DESTROYED MY CREDIT RATING. THEY ARE ALSO REPORTING THIS AS CLOSED BY XXXX XXXX.