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

In accordance with the Fair Credit Reporting act the reporting of the following accounts have violated my rights : XXXX XXXX card services. Date opened XX/XX/XXXX Account # XXXX. 

XXXX XXXXXXXX XXXX XXXX account # XXXX. 

XXXX XXXX XXXX  XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX. 

XXXX XXXX XXXX account XXXX XXXX. 

XXXX account # XXXX. 

XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # XXXX 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: Mortgage

The following is from my previous complaint : Consumer Financial Protection BureauStart a new complaint Your complaints XXXX XXXX XXXX Credit reporting Incorrect information on your report TRANS UNION LLC XX/XX/2022 XXXX responded XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX XXXX XX/XX/2022 Sent to Regulator FTC The above is from my previous complaint. Transunion has done nothing as its report sent to me dated XX/XX/2022 still shows on page 7 of 7 the same old and incorrect information that there was or is FORECLOSURE, TOTAL TAX AMOUNT {$1800.00}, etc.
Product: Credit card

I have an account with Commenity Bank since XX/XX/XXXX when I Purchased a sofa. 
Since than I have not received XXXX email containing a statement or notice nor a letter, except for a letter dated XX/XX/XXXX for a payment process. 
In XX/XX/XXXX, my 24 month plan expired and I was not aware of it as I hadn't received any notifications from Commenity regarding the expiration. 
Today I owe more that I did when I made a purchase in XXXX. 
Also, I do not have the option to pay my balance even if I wanted as the only payment option is through my checking account. 
I called 4 times today, and every time I asked to speak to manager, they hang up on me. 
The XXXX time I spoke to a manager in XXXX that was helpless. 
I believe they are not acting in good faith. 
I just found out that in XXXX my balance was roughly XXXX, today is over XXXX. 
This is predatory.
Product: Credit card or prepaid card

The GoodYear Credit card from Citi fails to secure customers ' online account security and privacy. It did not implement 2 step/factor authentication, and therefore the site is vulnerable to unauthorized access. My repeated secure messages requesting implementation of XXXX have been neglected and appeared to have refused. Only standard XXXX  responses have been to call, as if that is holding off the security status of the online account.
Product: Debt collection

NACS - North American Credit Services , Inc. contacted me via text message regarding a medical bill from XXXX XXXX that was turned over to them for collections, although I have contested the bill with the Hospital and made payments. I was contacted via text message : " This message is from North American Credit Services, a debt collector. to manage your account call XXXX or visit website. '' When I called the representative told me that they are a debt collector and are requesting payment for the amount indicated. When I expressed that the bill has been contested with the hospital for not properly filling an insurance prior authorization or having me sign an XXXX, the representative stated that they do not know about any previous discussions and that the bill must be paid. 

I would like this investigated as why they reached out to me via text message and demand a payment.
Product: Debt collection

My father received a call today, XX/XX/XXXX from a company stating they filed a legal suit against me. I called the company back and was advised the debt of was owed and opened in XXXX charged off in XXXX and they are filing suit. The first rep advised it was for a credit card from XXXX XXXX XXXX XXXX in the amount of {$1300.00}. I explained to the agent I have not opened a credit card with this company. She explained docs were sent and the address on file was XXXX XXXX XXXX, XXXX  which is where I resided as a teenager and have not lived since XXXX along with I did not reside in XXXX  until XX/XX/XXXX from moving from XXXX. I was hung up on upon asking how can I report this as fraud. I called again and was advised I would be transferred to a sup XXXX who was extremely rude and screamed this is your debt and you owe it and hung up. I called again and spoke with another rep who refused to give her name and explained the same and that I will be reporting them since they can not tell me how to report as fraud. I was screamed at again stating " go ahead call them not us ''. They confirmed the last four of my ssn and that was all. 
Company Name : CMG Associates Phone : XXXX I XXXX  the number and their has been multiple complaints on this company and their harassment.
Product: Credit reporting

XXXX ( XXXX ) first missed payment XX/XX/XXXX. Target gets judgement XX/XX/XXXX. 7 years credit reporting should end XX/XX/XXXX. Trans Union says XXXX. Does a creditor get XXXX chances to report bad debt 7 years to the credit agencies? First with the first missed payment and second for a judgement for same debt., in my case 1 year later. Loophole : Creditor can report debt when first delinquent then wait till the last month of the 7 year period, obtain a judgement for same debt then get another 7 years of reporting for a total of 14 years of reporting to credit report agencies for XXXX debt. FDCA needs to be amended to reflect that the 7 years clock starts the first month of default, or no payment on the debt and that any subsequent judgement obtained by the creditor does not start a second 7 years debt reporting but fall under the 7 years that started the first month of default or non payment of the debt. The law needs to reflect that a judgement is just a part of the debt collection process and does not make an already reported bad debt as a new separate debt. By changing the law, creditors will have to obtain a judgement in a timely manner and close the loophole that allows them to wait as a strategy to report the debt for longer then 7 years. It will also prevent the creditor from having XXXX debt reporting clocks. The way the law is now creditor can report debt twice, the debt itself, and then the judgement giving XXXX, 7 years debt reporting clocks as if they were XXXX separate debts.
Product: Debt collection

XXXX originally said I owed a debt. It appeared what happened was they charged a commercial shipping charge on my personal account. ( I am an individual and I explained you are charging me for commercial shipping between two companies I do not know. ) The debt was for XXXX and I contacted XXXX and explained that they were not legitimate charges. I received 2 different letters from XXXX  in the past and each time I contacted XXXX. The charges were for a commercial business. I explained - I am an individual that resides at a residential address. These services were never requested by me or provided by XXXX. This was communicated twice to XXXX immediately upon receiving the notices. I was assured that their error would be corrected, and it would be removed from my account. XXXX failed to follow through on their promise and I have now received a demand letter with the same information. 

I received 2 Demond letters for the same debt. One each from the following companies ; XXXX XXXX XXXX XXXX XXXX dated XX/XX/2022 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX VA XXXX Synter Resource Group LLC XXXX dated XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Upon reviewing my credit reports I found a surmount of inquiries on my credit report in wnich i did not authorize. I had a preapproval from a lender already and instucted the dealer to NOT run my credit. As you can see from the listings below - they did anyway and as a result I have many ' inquiries. 

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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Someone presented my Idenity at Bank of America and withdrew my money. 
-Total {$10000.00}. {$5000.00} from checking on XXXX occasion, and {$5000.00} from savings on another occasion. 
XXXX separate Branch banks. XXXX in XXXX, NJ, and XXXX, XXXX XXXX, NJ. 
XXXX separate occasions. XXXX, checking on XXXX/XXXX/15, and XXXX, savings XXXX/XXXX/15. 
-I was told that the signatures did not match. 
-I do not live in the above state. 
-These withdraws are completely inconsistent with my financial record and habits. 
It is clear to me from the above information that Bank did not do its job to protect me or my money. There are many red flags. On XXXX separate occasions, a person withdrew large amounts of money w/o a signature match in a state that I do not live. This is neglligence.
Product: Debt collection

Im affiliated with the armed forces and really dont event qualify for a payday loan not to mention I was a victim of identity theft and have no knowledge of this debt please remove from my credit report immediately or I have to file a civil suit for defamation of my character.
Product: Debt collection

I purchased a  XXXX   XXXX   XXXX  from  XXXX  in  XXXX  NC in  XXXX   XXXX . The vehicle was Financed "  American Credit Acceptance  '' on  XXXX   XXXX ,  XXXX  I applied for a Re-financed Loan with  XXXX . I was approved. As previously financing a vehicle with  XXXX , I assumed the check was out, and everything was as normal. However, in  XXXX , " ACA '' contacted me to inform me the loan was past due, I made a payment of {$1000.00} out of good faith while I tried to resolve the matter. Only a Few days later, " ACA '' Repossessed the vehicle in the dark of Night, and THEN told me I needed to pay {$2000.00} to get me vehicle back. I offered Proof, they were not interested. Only after I vented my frustration, they offered me a deferment. WHY was n't this offered before collecting the unit. I was very vocal about what I was doing, and the process in place. The they offered the repossession fees only of {$670.00}, in order to reclaim my vehicle. As I am in the middle of   XXXX   in the  XXXX   XXXX , this repossession KILLS my eligibility, when I 've worked for over 2 years in preparation, paying down debt, refinancing loans, rebuilding credit in order to obtain security clearances. My credit bureau shows 76 days late, and a repossession.      XXXX , quickly resolved their issue within 15 minutes. After HOURS on the phone with " ACA '' my vehicle is gone, along with my military aspirations!     The way I was treated on the phone, was criminal!   The unethical collection practices of  American Credit Acceptance  is CRIMINAL!
Product: Credit card or prepaid card

RE : Refund of XXXX XXXX XXXX XXXX XXXX XXXX XXXXsXXXX x XXXX qty XXXX  SKU XXXX. 
Dear Sir/Madam : 1 ) I am just requesting a full refund of {$12.00} for the wrong item shipped by XXXX  and Wells Fargo Rewards Dept 2 ) On XX/XX/2022 I purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX x XXXX qty XXXX  SKU XXXX. I order through Wells Fargo Rewards site. I paid a total of {$12.00} between my rewards and personal funds for Order ID XXXX. On the Wells Fargo Rewards site this THE ONLY item you are able to order for this item. 
3 ) On XX/XX/2022 I received the package USPS Tracking # XXXX, Serial Shipping Label XXXX that contained one package of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX x XXXX qty XXXX  SKU XXXX. This was shipped by XXXX Fulfillment Center at XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX per the USPS box return address 4 ) This was the incorrect item since I ordered XXXX XXXX XXXX XXXX XXXX XXXXXXXX x XXXX qty XXXX  SKU XXXX. They send me a 100 % COMPLETELY DIFFERENT ITEMS in Size and quantity. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX x XXXX qty XXXX  SKU XXXX. 
5 ) On XX/XX/2022 I called XXXX at the XXXX Customer Service # XXXX and XXXX said I have to call Wells Fargo Bank. 
6 ) On XX/XX/2022 I called XXXX at the Wells Fargo Rewards Dept at XXXX and she said they will file a open case and contact XXXX  customer service. 
7 ) On XX/XX/2022 I received a call from XXXX with Wells Fargo Rewards Dept. XXXX said he contacted XXXX and they said they shipped the correct item. 
8 ) I confirmed with XXXX that on the Wells Fargo site they only show XXXX XXXX XXXX XXXX XXXX XXXXXXXX x XXXX qty XXXX  SKU XXXX. He said they denied his request to replace the wrong item that was shipped. 
9 ) On XX/XX/2022 I called XXXX, XXXX and XXXX with Wells Fargo Rewards Dept at XXXX and explain that the wrong item was shipped and I now just want a refund. They all said another open case was opened today. 
10 ) I called XXXX and XXXX at the XXXX Customer Service # XXXX and they both said it is out of their hand and I have to call Wells Fargo Rewards Dept again. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX  XXXX Tel : XXXX Email : XXXX XXXX
Product: Mortgage

Fay Servicing is using illegal foreclosure actions on our home. The stopped our ACH debit from our bank account without our authorization. It clearly states on the back of each mortgage statement that Fay Servicing is not allowed to do that. They refuse to communicate with my husband or I for months at a time. 
They continually charge us " Fees '' each month since XXXX of 2019 for things like inspections and " Other '' that they will not tell us what the fees are for. 
Mis representing our Mortage Loan Transactions and Payment History online. 
In correct handling of partial payments. We never made partial payments, yet they saaid we did every month. 
Took the money that was supposed to go on the back of the loan for a modification and continued to charge us each month for that payment and a new monthly payment stating that was a late payment. Causing us to never catch up. 
Continually sending us Foreclosure statements, Auction Notices for the House, And Property Sale flyers while we were in the process of modification and during the trial period. I will attach supporting document.
Product: Debt collection

In XXXX my XXXX XXXX contact was mutually cancelled due to the company not being able to provide services at my address. I switched to XXXX network and have been with them since. XXXX of this year I noticed a credit decrease from jefferson capital on my account stating this was for XXXX XXXX I called jefferson capital and asked them to verify this charge and they stated on the phone they don't have any records just an amount owed they also stated that I need to contact XXXX XXXX  for records. I then contacted us cellular and they stated to me that they don't keep records once there sent to a collection agency. I called jefferson capital back and told them I would like to dispute this charge as I was never notified by XXXX  XXXX  that there was a remaining balance nor should there have been. This has been 5 years and no notice or letter regarding this matter. I requested from jefferson capital validation of charges and records from this charge and was only sent two letters with an amount on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020 ; XXXX Inquiry Date XX/XX/2020 ;
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Keeps Selling An Alleged Debt They're Trying To Say That I Owe To 3rd Party Companies. I Have Never Entered Into Agreement With Any Of These 3rd Party Companies Such XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I Have Demanded That All Of These Collection Companies Provide Proof Of Validation Of The Debt, Which None Of Them Have Been Able To Do So. This Is Negatively Effecting My Credit Score And This Needs To Stop Immediately.
Product: Debt collection

XXXX XXXX keep contacting XXXX XXXX on XX/XX/XXXX and another date in XX/XX/XXXXwho I put as a reference and is sharing confidential information with him about my loan. His name is not on the loan, therefore no one should be sharing with him any information about my past due payments, etc. he should only be contacted and asked to reach out to me to get me to call them about my loan but not share with him my personal info. I want this to stop immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Mortgage

FAY SERVICING DOES NOT REPLY TO LETTERS OF COMPLAINT OR QUESTIONS. 

APPEAR DISCRIMINATION XXXX MAN. KICK TO CURB MENTALITY. 

STOP FORECLOSURE I ALSO GET CHECK FROM 2011 TO FUTURE. SO IM NOT AT FAULT OR DELINQUENT
Product: Debt collection

Between the time of XXXX and XXXX ( XXXX XXXX XXXX ) on XXXX/XXXX/2016, I received a call from the phone number XXXX. I spoke to a lady there. She did not give a clear description on who she was calling regarding. She told me that my credit card was n't going through, etc. I was transferred to her supervisor. Her supervisor told me that he could not take half of the payment after I offered to pay half. He said I was " calling his bluff. '' He raised his voice and said " XXXX wants this NOW '' and " you can not pay half. '' period. You owe a debt. you pay it. I informed him the line was recorded. He said, " I know the line is recorded. I am not stupid. '' I told him I was going to report him verbally abusing me and harrassing me. He said he didnt care. He was very verbally abusive. He said many more things and was raising his voice at me and yelled at me saying I had to pay the whole amount. I called back in around XXXX XXXX, I spoke to another person who said that the supervisor was lying to me and she could take half of the payment. She gladly took half of the balance that I owed as a payment. The supervisor harassed me and bullied me. He also practiced deceptive collection practices, which is completely illegal. Please take care of this issue. I was on the phone in tears after my phone call with them. I did not get the name of the agency when they called, I 'm sorry, but that is their phone number. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to address a concerning issue regarding late payments reported on my credit report. Upon careful review of my credit report, I have discovered discrepancies in the reported late payments and am seeking your assistance in promptly correcting or removing these inaccuracies. 

Regarding the account with XXXX XXXX XXXX XXXXXXXX ), I wish to clarify that this account has never been late. The reported late payment is erroneous, as all payments were made on time. Data Furnisher said they were going to update it to open/never late. Please fix ASAP. 

Similarly, concerning the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) account, I want to emphasize that this account has never experienced late payments. The reported late payment is inaccurate, as payments were consistently made on time. I kindly request that the late payment markings be updated to accurately reflect my payment history, and the bank said they were going to update it to open/never late. Please update ASAP. 

Recognizing the importance of maintaining accurate credit information, I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation validating my claim and providing evidence of the incorrect reporting. With your expertise, I am confident that we can rectify these discrepancies efficiently. 

I kindly request that you initiate an investigation into this matter and promptly inform me of the results. If the late payments are found to be accurate, I request an explanation of the findings. However, if they are determined to be inaccurately reported, I request immediate correction or removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking relief from the XXXX Board of Appeals to remove the 2014 Late Payment status from all ( 3 ) credit bureau reports ( XXXX reports attached ). Please note that my account was in forbearance  status prior to, and after the Late Payment status ; forbearance was also granted and retroactive for the same period, which amended the Late Payment status. <P/>Your representatives ( errors & omissions ) assured me the retroactive forbearance would supersede the Late Payment status and would be removed from all credit reports.
Product: Debt collection

I've tried to dispute the Child Support on my Credit report and I have a letter stating when the account was open and last payment made. The information on my credit report is all wrong. No dates are correct or payments made. The account is too old to be on my credit report and fake payments, and open dates are being showed. I sent in proof as well as contacted Child Support and I am not getting the right answers. Child Support is saying they did not send in the information to the credit reporting agencies. The Credit Reporting Agencies are saying they did. 
I am not getting the right information and its not being removed. I sent in all the correct information and 2 of the reporting credit agencies have corrected it. Transunion has not, and while I was trying to explain that this will be my 3rd dispute the agent hung up on me. I called back and talked to as Supervisor who said she can play back the conversation and will get back to me, she never did. 
I need help it is stopping me to obtain a place to live.