23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Never heard from the XXXX and corrected the error
Product: Credit card or prepaid card

The credit card company is not handling my dispute properly. 

I reasserted the dispute on XX/XX/XXXX and sent documentation to show improper billing/service not provided/received. 

On XX/XX/XXXX I called to check on status of dispute and was notified the dispute was still open/pending. 

I requested a call back from a supervisor to confirm the documentation I had submitted was sufficient and to discuss the billing dispute before a final determination was made. I was informed a call back would be made within 1-5 business days and that I would be contacted before a final decision was made. 

On XX/XX/XXXX I called back because I had not received a call by the 5 day deadline ( XX/XX/XXXX ). I was notified that the case was closed on XX/XX/XXXX without a callback from a supervisor prior to final determination, as agreed.
Product: Debt collection

I applied to a debt consolidation company XXXX for XXXX my debtors springleaf financial services. I informed numerous callers not to call my job about this situation to get in touch with me. The company continued to call my job day and night with my coworkers calling my house telling me that this company keeps calling. I informed XXXX about this situation I filled out and signed a harassment complaint form and sent to XXXX the companies. XXXX also sent in another form and the company continued to call. So XXXX told me to call the ftc, and ftc informed me to called consumer finance. Now I 'm at this point.
Product: Debt collection

I have a debt through paypal for some purchase i made a year ago, they reminded me constantly about it, I already put some funds in this account but i cant make it fully i got other debts aside it but i pay the mnimum each month i don't miss payments, I don't have the full amount to pay now, i got financial problems and they keep messaging constantly they even sent a debt collector letter home, they don't give the option to pay them every month little, they want the whole amount i don't have how to pay them now, the debt is {$1700.00}, it was {$1800.00}. If you can help me or hold this payment it will be so appreciated.
Product: Credit reporting or other personal consumer reports

I Noticed that I have unauthorized inquiries on my credit report and that someone may have applied for something in my name according to the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( bank ) - XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/4 Navy FCU ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX
Product: Mortgage

on XXXX/XXXX/XXXX I attended a workshop where I got information about the NACA program on XXXX/XXXX/XXXX I got my first appoitment with a loan officer and she pulled my credit report that I paid. at that time I sent her a completed loan application with my incometaxes for XXXX & XXXX with paystubs, bank statement, purchase contract, prelim rpt and authorization for naca to process my loan.and now nobody is responding to my emails. So in XXXX XXXX Seller told me that a real estate agent is involved and going to help but NACA employee are relutant to provide information about the loan to him. Up to this moment I have not been provided with a good faith estimate or any loan info
Product: Mortgage

I have been paying extra on my mortgage and the principal balance does not go down any. I am not sure what is going on. It has not went down all year so far. Infact it has went up when I check it. I would like an audit down to see exactly what is going on.
Product: Credit reporting

I dispute inquiries that were not made by me however i have not heard back from them
Product: Credit reporting, credit repair services, or other personal consumer reports

As per FTC and FCRA implementation : Disputes to Furnishers You must investigate a consumers dispute if it relates to : the consumers liability for a credit account or other debt with you. For example, disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; the terms of a credit account or other debt with you. For example, disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; the consumer 's performance or other conduct concerning an account or other relationship with you. For example, disputes relating to the current payment status, high balance, date a payment was made, amount of a payment made, or date an account was opened or closed ; or any other information in a consumer report about an account or relationship with you that affects the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle. Furnisher Rule 660.4 ( a ) You must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e ) I have never received the results of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, Bankruptcy # 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 a 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 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 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 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: Debt collection

Almost daily phone calls from the debt collectors even after I told them to quit contacting me. I asked them to provide me proof that the debt was mine and they couldnt. They still nonstop call me.
Product: Payday loan, title loan, personal loan, or advance loan

I had trouble making my payment so I made a payment arrangement and it was confirmed by the loan company when I would be making a payment. After making the payment arrangement and confirming, the company proceeded to call my employer and ask to verify my identity for garnishment of my wages. I have not even gone to collections and this company has no judgements against me, yet theyre telling my employer about garnishment.
Product: Student loan

Around XX/XX/year>, I received my monthly statement from EdFinancial in regards to my consolidated student loans. The Unpaid Principle increased by {$1500.00} even after making payments in which interest was covered and the principle decreased by {$150.00}. I received no notice of additional loans or capitalized interest. There should be no capitalized interest on the account as the account is in good standing and payments are made on a near weekly basis. 

Between XX/XX/XXXX and XX/XX/XXXX, I made XXXX phone calls to EdFinancial. On the first call, I hung up after a XXXX hour hold. On the second call, a customer service representative picked up the phone. After explaining the issue, there was an audible " huff '' and I was disconnected by EdFinancial. On the third call, the representative said there was nothing they can do to investigate. The rep did state that there seems to be an issue with how some of my interest calculated on my payments was the same for weeks on end and the interest wasn't calculated properly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately removed from my credit report to protect my personal and financial information. 
Affected Account : XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} Inquiry : XXXX  - XX/XX/XXXX
Product: Debt collection

I have recently discovered a collection entry on my credit file from your agency, of which I had not been previously informed. I strongly believe that this debt is inaccurate and under the terms of the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request validation of this debt. Therefore, I am requesting that you provide me with documentation supporting the validity of the debt within a reasonable timeframe. I am writing to vehemently dispute the alleged debt you are attempting to collect, referenced above. This letter serves as formal notice of my refusal to acknowledge any purported debt until you provide unequivocal validation of its existence and legitimacy, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. I never done business with your company or your client. I reuse to pay this debt. I have been in distress and constantly seeking assisting with this matter. I have attached documents for your record. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on deaf ears. It is important for you to understand that by law, you are required to take immediate action upon receipt of such requests. Your persistent refusal to comply with this legal mandate forces me to escalate the matter and pursue legal action against your organization. Rest assured, I am fully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

The utility debt being asked to be paid has now been sent to the credit bureau and showing negative credit history. I wasn't sure if the initial request was a scam to just get money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report the account rating is derogatory, i find this to be unfair. I am in collections with this account which is XXXX XXXX, I am on a payment plan with XXXX XXXX  and I think the reporting should reflect that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX and XXXX, account # XXXX, amount {$2600.00} has violated my rights. 

15 U.S. Code 1681 states 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. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Product: Mortgage

On XX/XX/XXXX, we were informed by the contractor on our new home build that due to structural engineering issues, we would owe an additional {$9200.00} for footing excavation. I asked our lender at Regions the same day if it was possible to pay down the principal on the loan prior to conversion, as I assumed we would then be able to offset the additional cost. 

On Tuesday, XX/XX/XXXX, I attempted to pay the {$9200.00} through a local branch as instructed by the lender. They could not figure out how to pay it principal only, and instead approximately {$1900.00} went to an interest payment that was not yet due, and the rest went to principal. As the local branch instructed, I contacted the mortgage department to get it straightened out. That took ten days, during which they did not answer the phone and sometimes took more than 24 hours to respond to emails with questions. When they did respond, they often answered one question and ignored the others, even when presented in a numbered list. 

Time was important here as we were 91 % funded and thus paying 91 % of the interest for every month this dragged on. I had to reach out to someone who had previously worked on our account in order to get any answers. 

The builder submitted his final invoice on XX/XX/XXXX, which included the overage. With some savings we found elsewhere, the overage came out to {$7500.00}. I reached out to the bank on XX/XX/XXXX to ask if there was anything special we needed to do about the overages. My question was not answered. I attempted to ask multiple times and was ignored, until that team finally stopped answering entirely. 

On XX/XX/XXXX, we were notified that our account had been transferred to a new team. On XX/XX/XXXX, that new team reached out to the builder, not us, to inform him that they would not pay the {$7500.00} overage, which we had already paid {$9200.00} down to cover. I again asked about this and received a call later that day, in which I was informed for the first time that Regions does not cover overages, that we could not get our {$9200.00} back, and that there was nothing else they could do. 

We now owe an unexpected $ XXXX and are continuing to be charged interest while they shuffle us between teams and drag their feet on converting the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX submitted to all three credit burau 's " You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be deleted immediately. '' 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to attain other credit. I understand That XXXX XXXX will investigate this accounts for me to ensure accuracy. Here is the account Im asking you to verify XXXX Acct XXXX
Product: Credit card or prepaid card

I called into Capital One to find out why suddenly, I'm getting LATE PAYMENT ALERTS when each month a direct payment of {$80.00} is coming out of my checking account on the XXXX of each month. I NEVER had such an ALERTS come up on my XXXX XXXX XXXX until I filed a complaint on XX/XX/XXXX about a late fee. My payments were in on time through automatic bill pay. Now suddenly, these LATE PAYMENT ALERTS are popping up, so I called to find out why and I was advised on XX/XX/XXXX, FOUR years ago I took out a CASH advance from XXXX of {$300.00} with an interest rate of 26.99 %. Why wasn't I made aware that if this amount {$300.00} is not paid off, interest will still be added or even a notice to state that? Not only that the {$300.00} was added into my XXXX XXXX due, so I continued to make the payments shown. Not until I filed my complaint is when this came up. After being with Capital One for over 50yrs, I can't play these nick picking games with them, it must STOP. With all the interest I'm being charged, this should have been paid off. 

Please take note, after my first complaint was closed, suddenly this is the very first email I received pertaining to {$300.00} CASH ADVANCE from XX/XX/XXXX. Please find attached all my PROOF this just started about nonpayment of {$300.00}. I'm XXXX old and DON'T need this extra stress. Very Poor Customer Service.
Product: Credit reporting or other personal consumer reports

Straight XXXX  that at XXXX Experian starts closing complaints. The explanation is so absurd its not funny and thy want me to AGAIN give here people who can't speak XXXX or even help you my private information. NOT EVEN CLOSE you already double charged my credit card when your rep lied and said if you became a paying member they would fix my account I WILL NEVER PAY XXXX  MONEY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX FAX # XXXX XXXX XXXX XXXX, XXXX, UT XXXX Mrs. XXXX XXXX, Complaint Contact Mr. XXXX XXXX XXXX, President/CEO Board Member XXXX RE : ACCT # XXXX**** Balance {$1700.00} Friday, XX/XX/2019 To Whom It May Concern ; I recently received a copy of my credit report and have sent requests for information to be verified as reporting 100 % accurate and complete. XXXX and XXXX both have sent results based off the information you provided to them. Please see the information below : XXXX  RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX   UPDATED THE BALANCE TO {$1700.00}. 

XXXX  RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX REFLECTS THE FOLLOWING : DATE UPDATED XX/XX/2019 ; ORIGINAL CREDITOR XXXX XXXX ; RATING and REPORTING A BALANCE OF {$1700.00} Upon receipt of these results, I contacted your offices today to resolve this matter only to be told that you had sold this account to XXXX XXXX. I AM DEMANDING A COPY OF THE BILL OF SALE AND ALL OTHER DOCUMENTS REGARDING THIS ACCOUNT BE SENT TO ME IMMEDIATELY VIA FAX AT XXXX AND TO MY HOME ADDRESS LISTED BELOW. I HAVE CCD THE CFPB, FTC and THE ATTORNEY GENERALS OFFICE IN YOUR STATE AS WELL AS MINE AS YOU HAVE VIOLATED MY RIGHTS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that i was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included a screenshot inside this complaint in on XX/XX/23 thru XXXXplease investigate and provide proof with statement showing that these payments were late. if proof can't be provided, I demand these payments be updated to pay as agreed on time as they should be due to the fact I was never late. 
Thanks! please see screenshot attached.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with credit reporting agencies. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one Reporting negative information on my credit report never late never charge off