23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

2. I was the primary cardholder of a Citi Diamond Preferred Card ending in XXXX ( hereinafter the card ). 
3. The only other user of the card is my son XXXX who had a card bearing his name with the identical card number. 
4. In late XX/XX/XXXX and early XX/XX/XXXX, I received a bill from Citi Cards for charges placed on the card which were not made by me or by anyone I authorized. 
5. I reviewed these unauthorized charges with my son XXXX XXXX and he informed me that he did not charge the items nor did he give anyone permission to charge those items. ( See attached affidavit of XXXX XXXX ) 6. The charges totaled thousands of dollars and were at stores I never shopped at and in neighborhoods I did not frequent. 
7. I called Citi Card on several occasions to dispute the aforementioned unauthorized charges.
8. I spoke to Citi representatives on several occasions, each time indicating to them which charges I disputed.
9. Never during the period in question did any representative of Citi Card call me to ask me about potentially fraudulent charges to my account that appeared on their face to be of a suspicious nature.
10. The charges I disputed are attached hereto under the heading Billing Disputes and highlighted in pink.
11. In spite of the claim on my Citi Card bill that the items listed under Billing Disputes have been Resolved, Citi Card continues to bill me on a monthly basis for these unauthorized charges.
12. Furthermore, upon information and belief, Citi Card caused collection agents to send collection letters to my home address for charges that I do not owe after I told Citi Card on several occasions that I do not owe these charges.
13. Upon information and belief, Citi Cards persistence in collecting a debt not owed by continuing to send me bills I do not owe and in causing collection agencies to send harassing letters to my home violates the federal Fair Debt Collection Practices Act ( see 15 U.S.C, 1692 ) and New Yorks Fair Debt Collection Practices Act Section 600.
Product: Debt collection

I spoke to your company before and informed you that I am in dispute with the medical service provider and that you needed to validate this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION.. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you and provide a detailed, plain and simple list ( not coded ) of any and all services or a line by line itemization report of charges. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. If so please delete from collection Thank You
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting another CFPB Complaint too follow up the fist complaint XXXX previous ; y submitted on XX/XX/XXXX. I sent a letter on XX/XX/XXXX addressed to the Credit Reporting Agencies to remove the disputed Fraudulent accounts and information that are completely UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Once again, please remove the following fraudulents accounts and information completely from my Credit Report : 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 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: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Experian and XXXX report on XX/XX/2024 and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit card or prepaid card

Card account was supposed to be closed in XXXX  by JP Morgan Chase, card was a prepaid employer card. Chase ended the relationship and refused to disclose why, refuse to explain why my account was closed and refused to open another. I am not in check systems nore have I ever been with this bank. It says that I am a current customer and I am not a customer and in their details it ask for my personal information and the lady asked if I have a mortgage " I said No ''. I called because it alerted me of such an account but yet when I call it's telling me something different.
Product: Student loan

I submitted information to register with a loan repayment plan as soon as my loans came due and it was clear I would not be able to make the standard payment. I filled out the forms and submitted my tax information electronically through the federal government website on XX/XX/XXXX. I was informed on XX/XX/XXXX that my information was received by Navient. I called Navient around XX/XX/XXXX to check on the status of my payment plan application and was told it was being processed that it was currently taking 3 weeks and it would be processed by XX/XX/XXXX in time for my first payment. ( It is not easy or intuitive to find ANY contact information on the Navient website ) I called again on XX/XX/XXXXbecause I could not determine if the payment plan had been processed and it is extremely difficult to make the full payment this month. I was informed that not only had they already begun to charge my account 3 days ahead of the due date and could not stop the charge but that they had also not begun to review the application. The only option I would have would be to issue a stop payment through my bank and go into forbearance and be charged all the compounding interest. They further informed me that there was a technical glitch in their system that resulted in them not being able to view or process applications from anyone who submitted one during this time and there is nothing they can do about it. I was not informed of any issue like this when calling on the XXXX   and when I was assured my application would be processed by the XXXX. I find it unacceptable that an error on their end resulted in such a substantial delay in the processing of my application and that I was never informed of this glitch in a timely manner that would allow me to make other payment arrangements.

As a result of this payment plan being delayed I expect I will be charged an extra $ 900- {$1000.00} over the course of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT THE ALLEGED CREDITOR A LETTER TO ALLOW ME TO VILODATE THE INFORMATION REPORTING ON MY CREDIT REPORT BOTH THE ORIGINAL CREDITOR XXXX XXXX XXXX AND THE COLLECTION COMPANY FAILED TO PROVIDE ME WITH SUFFICENT PROOF OF THE ALLEGED ALLIGATIONS. THE LETTER THAT WAS SENT IS NOT PROF OF THE ALLEGED REPORTING INFORMATION. I CONTACTED THE CREDIT REPORTING COMPSNIES AND ALSO PROVIDED THEM WITH THE INSUFFIENT INFORMATION THAT WAS SENT TO ME. BUT YET THE CREDIT REPORTING AGENCIES CONTINUE TO VIOLATE MY CREDIT RIGHTS SAYING THE INFORMATION WAS VERIFIED, BUT YET THE CREDITOR OR THE COLLECTION COMPANY COULD NOT SEND ME OR PROVIDED ME WITH WHAT WAS REQUESTED IN MY LETTER OF VALIDATION. THIS RESPONSE ID NOT ACCEPTABLE NOR IS IT PROPER VALIDATION
Product: Vehicle loan or lease

My ex-husband purchased a used XXXX XXXX and financed it through Ally Financial. For my ex-husband of 40 years to get the loan I needed to sign. On XXXX XXXX he took the car to NH and left me without a vehicle. He cancelled the insurance on the vehicle. The vehicle is not registered. I have called Ally numerous times only to be told that they do not care if the car is insured or registered. My ex-husband is making payments prior to the 90 day mark. Ally said if he made a payment every 89 days they were fine with that. My lawyer recommended that I get insurance on the car in my name. There is not an insurance company that will insure that car because it is not in my possession or in the state of Florida. But Ally has told me that if the car is in an accident I am responsible. There are 61 payments left on the car. If Ally allows him to make 4-5 payments a year it could take 12 years to pay the car off. I have asked if I could take possession of the car. The XXXX Police said I could not. I asked Ally if they could reposses the car and they said NO. I am XXXX, have no car but am responsible if the car he is driving is damaged per ALLY. Ally will not force him to get insurance or to register the car and will allow him to make 4-5 payments a year. Ally has been rude to me on the phone and continually tells me that I am responsible for damages to the car. My hands are tied and could be for 10-12 years per Ally. It is affecting my credit report and will continue to for up to 12 years. Ally is uncooperative and is allowing my ex-husband to not carry insurance, not register the car and not make timely payments WHICH AFFECTS ME!
Product: Credit card or prepaid card

This is the third card XXXX has tried to open in my name. I have filed complaints for their attempt to open a XXXX XXXX and a XXXX  XXXX in my name. Each complaint asked XXXX NOT to attempt to open any card, account or financial service in my name. It's obvious they are ignoring these complaints. See the attached scan ( XXXX XXXX - XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After my last complaint against XXXX XXXX, I was able to enter the Covid Relief Protection plan. The plan stated that I would have 90 days where I would not have to pay anything so that I could get back on track. After the 90 day mark was up, I would have to pay the original amount of the monthly payment each month, within a 30 day timeframe. 
In other words, once I started paying the loan back XXXX XXXX ) I would have between XX/XX/XXXX and XX/XX/XXXX, without consequence, to make the payment. If I continued to make the payment as instructed, I would be allowed to stay on the plan. The plan does not stipulate that I need to make a payment arrangement and it does not say that I need to pay for any amount of the loan that is already in delinquent status while on the program. 
In XXXX, I began making the payments as instructed. Each month after the payment was made, I began getting up to 10 calls a day telling me that I needed to enter into a payment arrangement. When I informed the agent that I was on the Covid Relief plan, I was told that even though I was I needed to enter a payment arrangement to 1. get the delinquent amount caught up and 2 to make sure that I am paying " on time '' or I will continue to get calls. I was not informed that the company would continue to mark my credit as 120 days or more past due.

When you read the guidelines of the Covid Relief plan on their website, this is in total disregard to what the plan actually stipulates. 
I need assistance with getting this corrected. I am doing the best that I can, yet I am still being harassed, and I am still suffering under this company.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a complaint against Experian Information Solutions Inc. for violating my consumer rights under 15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) by reinserting a previously deleted account without providing the required notice. 

On XX/XX/, I successfully removed an account through dispute, but Experian Information Solutions Inc. has reinserted it without the mandated notice. I am seeking your assistance in ensuring their compliance with the Fair Credit Reporting Act. 

Enclosed are documents supporting the previous deletion and evidence of the unauthorized reinsertion. Your prompt attention to this matter is appreciated.
Product: Mortgage

XXXX XXXX : I was informed that Bank check mailed by XXXX to Freedom Mortgage was returned with Insufficient Funds. I called Freedom Mortgage immediately to let them know that I intended to correct the error the next morning ( XXXX/XXXX/16 ). 
XXXX XXXX : I Made ACH payment to Freedom Mortgage, and made deposit the very next morning into my XXXX checking account. 
Freedom Mortgage re-submitted check that originally had insufficient funds and it cleared with XXXX on XXXX/XXXX/16. 
XXXX XXXX : Call from Customer Rep. from Freedom Mortgage who said I owed the XXXX payment. I faxed copy of cleared check and bank statement for XXXX. 
XXXX XXXX : I went to meet with my bank officer and had her pull up my bank statement and copy of the cashed check ( no money paid to Freedom Mortgage has ever been returned to my checking account ). That same day ( XXXX XXXX ) I called and spoke with a Freedom Mortgage Rep. and faxed a copy of the cleared check and a copy of my bank statement showing the full mortgage payment from my account. 
XXXX XXXX I called Freedom Mortgage to verify fax sent XXXX XXXX was received. ( I have had to call them most every time- they rarely return calls and do not permit customers to speak with people in " Cashiering '' - the people who know the system and the payments ) XXXX XXXX : I called to check on the status of my case. I was told by Rep. that it was being investigated and to wait until Monday XXXX/XXXX/16. 
XXXX XXXX : I called to check on the status ( not willing to wait til XXXX ) and was told by Rep. that he would put in a work order for me - there was none on record! 
XXXX XXXX I received a call from Freedom Mortgage saying I needed to pay my XXXX payment. I explained that it was under investigation. I made a ACH payment over the phone with the Rep. ( again ) with the agreement that once the XXXX issue was resolved ( which I had submitted proof with the cleared check and my checking account history for the entire month of XXXX as requested ) that the ACH would be applied to my XXXX payment. 
XXXX XXXX I called and spoke with another rep. who told me she would contact Cashiering and get back to me with a resolution no later than XXXX XXXX. 
XXXX XXXX : The ACH cleared. 
XXXX XXXX I received a call from the rep. I telling me that all was clear for XXXX and XXXX and I was good until XXXX XXXX ( and no late fees, or charges as they were received within the grace period. 
XXXX XXXX : Received call from a Rep. stating that I owe for XXXX, XXXX and XXXX and the loan is in default ( also received letters stating the same dated XXXX XXXX & XXXX XXXX ). 
Later on XXXX XXXX I faxed from XXXX another copy of cleared check for XXXX payment and another cleared check for XXXX payment. Both checks have been processed and cleared my account. Also faxed a print of transaction history showing checks cleared and ACH debit with trace # cleared on XXXX XXXX to Freedom MTG Pymts. ( which was to be applied to XXXX payment ). 
As of today XXXX/XXXX/16 my loan with Freedom Mortgage is showing past due for XXXX XXXX and XXXX.
Product: Debt collection

Claim is for a debt of XXXX allegedly owed to XXXX, from an address I have not lived at for more than 8 years. not sure how my information was obtained but need this to stop. they call multiple times a day. Have demanded proof of debt, which they refuse to send me. Convergent Outsourcing, XXXX XXXX XXXX XXXX,, XXXX   XXXX XXXX, Wa XXXX, is their  physical address, mail address is XXXX XXXX XXXX, XXXX, Wa XXXX.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Association I sent this company a debt validation request letter they never validate the debt didn't provide no licenses information no contract with my signature on it no date when this alleged account was supposed to be open the date is an error on my credit they is still reporting errors on my credit Portfolio Recovery Association is a repeat offender known to violating fair credit reporting act, fair debt collection practice Act, the consumer protection act, defamation of character their are in violation
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit, report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

company is reporting unjust false and misleading information on my credit report
Product: Debt collection

I sent a letter o  X/XX/2017    to the credit Bureaus asking them to have convergent provide proof that the  XXXX  bill account is indeed mine. On  X/XX/2017    I receive a letter from Convergent stating that they investigated and the account is mine and the attached  XXXX  bill is validation. According to the FCRA this account has to be verified and submitting a bill is not verifying that this debt is mine. Where is the signed contract, with my photo id?
Product: Mortgage

Ocwen told me for months that they only needed my 2013 tax returns to complete the package for assistance. When I submitted them to Ocwen, they change the requirement to submit a new request. I have submitted a new request with all items needed yet I get emails saying nothing is submitted. Its taken XXXX years or more for Ocwen to provide assistance and they are indeed difficult to help struggling home owners.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX