23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have called the company listed on the credit bureau and they either dont answer, Im transferred to an agent that hangs up on me, they havent disclosed the origination of the debt, and repeated attempts and based on the amount lead me to believe it is an old debt that was either paid by insurance for healthcare or it was discharged in bankruptcy. The dates and times of calls along with the creditor details are below. It has been reported on my credit for over three years and it continues to accrue interest and negatively impact my credit. Ive even offered to pay it and was hung up on. 

Grant & Weber XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX - called - answered then transferred to busy signal XX/XX/XXXX - XXXX. Called - spoke to a lady transferred and no answer. Called back and office was closed. 
XX/XX/XXXX - XXXX. Called. Spoke with XXXX who stated he was the only one to speak with and when I asked about the debt and requested documentation of the debt he hung up. 
XX/XX/XXXX. Called. Answered then busy tone. Called back and it rang without and answer. Called back again and office was closed. 
XX/XX/XXXX. Office closed XX/XX/XXXX. No answer. 
XX/XX/XXXX. Left voice message. No call back, ever. 
XX/XX/XXXX. No answer. 
XX/XX/XXXX. Called and spoke with a nice lady. She looked me up and stated there was an agent to handle it. Transferred and spoke briefly with a guy who was extremely rude when I asked about details of the debt. I supplied all my contact details and verified who I was - he wouldnt supply details other than it was for a hospital visit and it was definitely owed. Needed to be handled immediately or court action would ensue. Then hung up. Called back - no answer. 
XX/XX/XXXX. No answer XX/XX/XXXX. No answer.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 section 602 A. States I have the right to privacy.

15 usc 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 usc 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. 

XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX They have violated my rights
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will Investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate :
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information showing
Product: Credit reporting or other personal consumer reports

I sent a letter out to Experian, XXXX, and XXXX. Trying to dispute names, addresses, and current job status on my credit report around XX/XX/. I even have some hard credit checks that I didnt approve that was done without my consent.
Product: Mortgage

I received a statement showing that I was almost {$1100.00} short in my escrow account due to the fact that my mortgage lender switched ownership and did not include an RHS fee in my anticipated activity for the XX/XX/XXXX year. Also, I do not have paperwork showing in closing that I agreed to pay this fee. I have attempted to contact my lender and spoken with a customer service representative. They are only agreeing to allow me to pay the shortage back over a 24 month period instead of 12 months. As I told the representative, this was their fault and based on my paperwork, I never agreed to pay this RHS fee. I 've never received a letter or any other form of paperwork stating that a new fee was being added. 
Also, I have had problems with my payments since the beginning XX/XX/XXXX. In XXXX, I wrote a check on XX/XX/XXXX. I had to contact the company on XX/XX/XXXX because my check had yet to be processed. I wanted to make sue that the check had not been lost. The customer service rep stated that he had the check in his possession and would send it for processing immediately. I also had a late fee of {$35.00} due to this. He was able to correct it at the time. In XXXX, I paid another monthly payment online as a one-time payment. It took XXXX days to process and resulted in another late fee charge that I had to address. I am aware that the new law implemented in XX/XX/XXXX about the RHS fee applies to my loan. However, I am not sure that it is legal for the new owner to back-date my loan when they bought it out in XX/XX/XXXX and are trying to charge me the RHS fee for XXXX of when my old company did n't charge me at all.
Product: Student loan

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote several letters asking for method of verification of accounts that are in reference to s dispute that includes report # XXXX dated XX/XX/2018. They are sending system generated letters instead of following section 609 ( a ) 1 ( A ) which requires them to send me verifying information, when I request. They are aware of what I'm asking for due to detail letters I have sent them on XX/XX/2018 and XX/XX/2018. The company does not have a phone number to call a human to help them understand what I need, everything is automated or electronic verification.
Product: Debt collection

I bought a cellphone online in XXXX. I decided to return it during the return period and I was given a full refund. Somehow, there was a late fee of {$29.00} associated with the first payment ( which I didn't have to do, since I ended up returning the item ). This was reported by TD Retail Card Services as delinquent for 60 days and my credit went from Excellent to Fair. I was not aware about this until a couple days ago that I was checking my credit score and I saw a decrease of about XXXX points ( going from Excellent to Fair/Poor ). I'm in the process of moving, so now with this credit my life has been turned upside down. I called today TD Retail Cars Services, they saw XXXX marked it as " full refund return '', they accepted their mistake and they reversed the {$29.00} " debt '' ( they didn't even ask me to pay for it ). I would like my credit restored as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # 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 : Also states a consumer reporting agency can not furnish an account without written instruction or consent.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for their unauthorized reporting of a charge off on my credit profiles. This erroneous reporting has had severe repercussions on my financial standing and has caused considerable distress. 

Per the Fair Credit Reporting Act ( FCRA ), it is imperative that companies report accurate information to credit bureaus. Despite my repeated attempts to rectify this issue with XXXX XXXX XXXX XXXX, they have failed to amend the misinformation on my credit profiles. 

I have provided XXXX XXXX XXXX XXXX with substantial evidence refuting the existence of any outstanding balance. I have not received any Form 1099-C reflecting the alleged charge off, nor have I received any concrete evidence from XXXX XXXX XXXX XXXX or the original creditor demonstrating the validity of the purported debt. Furthermore, XXXX XXXX XXXX XXXX never provided any documentation bearing my signature acknowledging the debt as mine or confirming my agreement to pay such a balance. 

Moreover, I wish to emphasize that this unauthorized reporting of a charge off violates IRS law. According to IRS regulations, debt sold to third parties is now considered certificates of indebtedness, constituting income that can not be reported. Therefore, the reporting of this charge off, which does not meet the criteria stipulated by the IRS, not only misrepresents my financial status but also contravenes federal law. 

I respectfully request that the Consumer Financial Protection Bureau promptly investigate this matter and take appropriate enforcement action against XXXX XXXX XXXX XXXX Additionally, I urge you to ensure that my credit profiles with TransUnion XXXX XXXX and any and all other reporting agencies are corrected expeditiously to reflect the complete removal of this item in compliance with the FCRA and IRS regulations. XXXX XXXX XXXX XXXX failure to comply with these legal obligations may result in further action to protect my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Product: Vehicle loan or lease

Dear Compliance Manager ; This is driving me crazy now. I was just reviewing my credit and i noticed a vehicle that I turned in back in XX/XX/XXXX and noticed a " Charge-Off ''  status on my credit report from last month ( XX/XX/XXXX). It's impossible!!! I have a new lease with Kia Motor Finance back in XX/XX/XXXX when I turned it the old one ... I have NEVER in my life missed a car payment because it's a draft from my bank account. This is totally wrong and the way it's reporting on my credit is a total violation of fair credit reporting laws. I thought consumer was protected under FCRA to ensure that the accounts are reporting accurately, with no inconsistencies. This has to be a computer error ... No human can blatantly make this type of mistake. Look at my credit report!!! The other lease from XX/XX/XXXX should've been terminated and stop reporting since I turned in the vehicle back in XX/XX/XXXX and the payment of new vehicle should start then ... NO LATE PAYMENT and I don't owe {$440.00} to Kia for any vehicle. Please correct and investigate this account. I like dealing with KIA MOTOR so far, but now I'm thinking twice about moving forward with any future relationship with Kia or any other affiliated companies.
Product: Checking or savings account

I am missing my paycheck that has been deposited by my employer. I am currently unable to access {$850.00} worth of funds. Capital One has provided no timeline as to when I will receive my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under 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 reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 8. XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies. 

You are required to take these inquiries and deleted accounts off my credit is making me not eligible to get a house or a new car.. 

The following inquiries are.. 
XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Do to The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and. privacy of information in the files of consumer reporting agencies.

You are required to take this derogatory account off my credit because it is enabling to get a house or a new car.. 

The following inquiries are.. 

XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Charge Card XXXX XXXXXXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Credit card
Product: Credit card

I am filing a complaint against Aspire Credit Card Services regarding a late payment reported on my credit report for a {$15.00} maintenance fee on my account. While I acknowledge that the late payment occurred, it was the result of an oversight caused by Aspires failure to notify me properly due to having the wrong mailing address on file. As a result, I was never made aware of the fee or the impending late payment until it was already reported to the credit bureaus. 


I have been an Aspire customer for over five years and have never missed a payment with any creditor before this incident. This late payment is the only negative mark on my credit history and was caused solely by the mismanagement of Aspires account communications. At the time, I did not carry a balance on the card, so I was not actively checking the account, as I had no expectation of fees being charged. 



On XX/XX/2024, I contacted Aspire Credit Card Services and spoke with Supervisor XXXX ( ID : XXXX ) over the phone. After explaining the situation and emphasizing my excellent payment history and the unique nature of the late payment caused by the maintenance fee, I requested a goodwill adjustment. 



XXXX XXXX acknowledged that she could help me, but ultimately refused to assist, stating she wont make any adjustments despite understanding my situation. I found this response unreasonable given the circumstances and my longstanding record of responsible credit management.
Product: Credit card or prepaid card

On 3 separate occasions this year, Avant Card Services has proven to be misleading, incompetent, and not as transparent. There needs to be more educational training and customer service coaching for these phone representatives. Please note the following concerns that need to be addressed : 1. On XX/XX/XXXX, I was experiencing financial difficulty due to the pandemic. I called in advance of the XX/XX/XXXX draft date and spoke with a rep who confidently assured me that the payment would be cancelled and I would be unenrolled from auto pay until further notice. I precisely confirmed this with the rep and even re emphasized the importance of un-enrollment of auto pay because of lack of funds. I was reasaured of this and was even enrolled in the relief Program from XX/XX/XXXX, XXXX XX/XX/XXXX. On XX/XX/XXXX I see a charge for {$25.00} and was livid because I had a different expectation in mind based off of my previous conversation on XX/XX/XXXX. I called Avant to address the matter and they filed an internal complaint and then proceed to send me an email stating how the procedure is supposed to be and that they were sorry for the misunderstanding. Interestingly, I have made all of my payments on time during this so called relief period so that Avant will not report late payments to the credit bureaus especially because my trust in them to handle small matters has completely diminished. 

2. On XX/XX/XXXX I called Avant for a simple billing question. At this point I know I am officially off auto payments AND my relief program is ending in XXXX so I need to confirm the payment due date and amount. The rep advises that she sees a {$0.00} balance and there is no due date in her system but I am more than welcome to make a payment now. This did not make any sense so I disconnected with her and opted to call back a later time. 

3. On XX/XX/XXXX I called again for two simple matters. I wanted to see if I qualify for an increase and confirm my payment due date and amount. The gentleman proceeds to provide the same answer that there is a {$0.00} amount due however he states my payment is due on XX/XX/XXXX. I got into a little debate because the previous rep said I have no due date or payment this months since I am on the relief program. I have been making payments consecutively up to this point. It was super frustrating and the inconsistency leads me to believe there is some misrepresentation of facts.
Product: Credit reporting or other personal consumer reports

My credit report has an inquiry I don't recognize nor applied to, I did not give permission to this companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.
Product: Debt collection

I have sent XXXX letters asking for them to show proof of my signature and of the agreement or remove it off of my credit reports. They have failed to respond.
Product: Credit reporting or other personal consumer reports

MY CREDIT REPORT IS REPORTING 4 ACCOUNTS THAT ARE INACCRATE, UNVERIFIED AND ARE AVIOLATION OF THE FCRA. THE ACCOUNTS ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND DIFFERENT AND INACCURATE PAYMENTS IN THE PAYMNET HISTORY BETWEEN XXXX, XXXX, AND EXPERIAN. THESE ACCOUNT WILL BE DELETED IMMEDIATELY. ( XXXX  XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

I am a Victim of Identity theft. The Information listed below, which appears on my Credit report, is the result of identity theft.
Product: Credit reporting or other personal consumer reports

Two inquiries on my credit report from XXXX XXXX XXXX XXXXXXXX that was done XX/XX/2022 and XXXX I provided the police report. Equifax removed the account but not the inquiries. I didnt even apply to them at all and not sure who applied using my credit. Im attached a police report.
Product: Debt collection

The company XXXX has been reporting on my credit report, on a charged off account. This account balance has repeatedly been increased in the interest of time. The increase amount is almost {$6000.00} dollars on a charged/collections account. The balances are also reporting 3 different amounts on all 3 reports.