23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX and Eastern Account System Of CT has failed to send me a Privacy Notice which is a violation of 12 CFR 1016.4 Fair Credit Reporting Act and Privacy Act of 1974. I have not given written consent to niether corporation to furnish any information to my consumer report. Thats a violation initial privacy notice to consumers required 12 CFR 1016.7, Form of opt out notice to consumers, 15 USC 6802 Obligation with respect to disclosure of personal information. In closing I have not received a 1099 C for this discharge of debt from the original creditors which is also a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account ( s ) has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 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 a account without my written instructions.
Product: Credit card

Business credit card opened XX/XX/year> and contacted Chase to set my cash advance limit to XXXX. I used the credit card to fund the opening of another account with no issues in XXXX. I then opened another account using credit card funding and was charged {$15.00} for cash advance. When speaking with Chase representative, they said our cash advance limit was set to {$250.00}, XXXX XXXX over the amount I used to open another account. When asked who authorized the change or when the change took place, the representative was unable to tell us. It is unfortunate we are penalized the {$15.00}, but it worries me more a bank is able to adjust and change my personal account settings without notice and how unconcerned the representee named XXXX was unable or unwilling to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 i did not give any written instructions XXXXXXXX XXXX XXXX account number is XXXX ..... 

XXXX states account balance is {$3500.00} XXXX states balance is {$3500.00} XXXX states balance is {$0.00} date opened XXXX states XX/XX/2017 inaccurate XXXX states XX/XX/2017 equifax states XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know this account. 
All it says is that it's a 'bank account OR card opened up with my social security # ( the alert showed on my XXXX , apparently it was reported to XXXX  ) and name. 
I have only one bank account at XXXX  XXXX XXXX so any other cards or accounts opened up after in/after 2011 are fraudulent. 
This company reported XXXX to my credit score. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, Valid copies of the debt agreement stating the amount of the debt and interest charges, Proof that the Statute of Limitations has not expired, Complete payment history on this account along with an accounting of all additional charges being assessed, Show they are licensed to collect in my state ; and their license numbers and Registered Agent. If your they fail to reply to this debt validation within 30 days from the date of the eceipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Debt collection

As a review of my credit report. I dont recognize the account below Acct name I C Systems Inc Acct. numberXXXX Balance {$430.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating 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 made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this
Product: Vehicle loan or lease

Hello, In XX/XX/XXXX I purchased a XX/XX/XXXX XXXX XXXX from a dealership in XXXX XXXX, KS. I drove off the from lot, quite happy with my car and confident in my choice to refuse the extra service agreement fees, sticking to my budget. 

My first payment was to come due in XX/XX/XXXX. I went to register my car but was unable to do so because the windshield had a " stress crack '' as determined by my auto insurance, as well as the dealership. Before I bought the car ; there had been a hail storm in the area and the car had been damaged ; the dealership assured me all repairs had been made. They put in an order for a new windshield. Mind ; I now had no access to my car -- with only intermediate access to dealer provided rentals, disallowing me to make the drive to my  planned summer employment in XXXX XXXX. 

I then began to contact Toyota about the matter to see what could be done, if there were some way to lower or forestall my payments, as I was losing money due the delays in the shipping of their windwshield. The rep informed me that they had a vehicle service agreement on file for me -- what I had expressly said I did not want. Because none of it had been paid out, she told me I could have refunded and have the balance of roughly {$2100.00} applied to my account. I affirmed this is what I wanted to do. She told me I would likely began getting collections calls while the check was processed but to alert Toyota to the pending check and prepare to start making my payments in XX/XX/XXXX. 

This is what I did. The check was sent out in XX/XX/XXXX. It did n't process til sometime in XX/XX/XXXX and it paid my Toyota balance up until XX/XX/XXXX. In XX/XX/XXXX, I stopped receiving collection calls, after attempting to make different payment arrangements, because for some reason, the check still had n't been received. In late XX/XX/XXXX I received a note from  XXXX that there was a collections amount for about XXXX on my account from Toyota ; it also showed the monthly amount had been paid since XX/XX/XXXX, implying that the check had been received and applied as noted. I disputed this credit issue and XXXX affirmed that Toyota had sent them proof of collections, despite the record showing payment.

Saturday, XX/XX/XXXX, I went onto Toyota 's website to pay my monthly payment. I was unable to do so because the option was not available. The screen also would not allow me to send a secure message to contact Toyota about this matter. I decided to call Monday or Tuesday. After speaking to several people in online billing, collections and repossessions I was told they could not explain to me what was going on and that only the collections agency they referred my account to could help. 

I have just received a letter from this agency XXXX XXXX XXXX ( XX/XX/XXXX ),  XXXX XXXX # XXXX offering me a settlement on my car if I call them. They have the remaining balance at XXXX, XXXX, the amount minus the refund payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

NMAC ( XXXX ) reported an inquiry on my consumer report without full disclosure upon out initial communication. they also failed to provide me with the option to opt out of sharing my information.
Product: Debt collection

A dr bill submit ted for collections from  XXXX ,  XXXX . I appealed this bill wit h   XXXX   si nce I do not owe this mone y.   XXXX   initial  response is that I owe the bill, but I have the right to appeal for further reconsideration which I did with  XXXX  on  XXXX   XXXX ,  XXXX . My reconsider was accepted and This bill is now under a reconsideration appeal with  XXXX  and until it is resolved, all collections must be halted. I notified IC that   XXXX   has accepted my reconsideration appeal and they are in process of making a determination as to whether I owe this bill. I Notified IC Systems many times about the appeal and asked them to please not file with credit bureau any negative information about this bill, until this bill is resolve d with     XXXX   as to whether I owe it. ( letter attached, sent in additio nal to all the phone calls ).  XXXX   XXXX ,  XXXX  I received a response to my many calls via letter continuing to threatening me and disregarding the fact that this bill is in reconsideration appeal wit h   XXXX  Please note what the letter states ( I have attached a copy ) : " IC Systems sends a weekly electronic file to credit reporting agencies listing debts that are unresolved and unpaid 45 days after IC began collection efforts. '' " Your dispute has been noted and information verifying the debt is attached to this letter ''. Also note that they attached a payment stub for me to pay this bill even though they have full knowledge of the appeal. I consider this letter a threat.   This company is deliberately disregarding my appeal information which was sent to them. They are threatening me with credit bureau even though at this point it is unresolved by   XXXX   as to whether I owe this bill.   I called IC on  XXXX   XXXX  to again state that this bill is under Appeal and I was told I would be faxed some information about what actions they will take, which has never been faxed.   The bill owed is {$110.00} and I am elderly o n   XXXX   .
Product: Debt collection

Ask company to stop contacting me as this is not the company for original debt. Company consistently contacts me.
Product: Debt collection

I received a call from Lvnv funding, several in one day. The guy who I spoke to said to me, '' You keep disputing this debt, either you can pay it or ruin your credit. " ..., I hung up. 
I get another call from LVNV funding from a private number, same aggressive talking.I dispute this company on my credit report because information is inaccurate.
Product: Consumer Loan

I have a past due account with Tower Loan. My husband and I unfortunately had to make the decision to file a Chapter XXXX Bankruptcy. We retained a lawyer and I informed a woman from Tower Loan, ( I believe her name may have been XXXX? ) that we were filing. She became very nasty and rude with me, I just responded with my attorneys name and number. Instead of calling and verifying the information I gave her, this office just has continued to hound me and my husband. They have now resorted to calling our references. For what reason? They know we are filing bankruptcy, the only reason why they would keep calling us is to harass us. AND the only single reason they would call our references is to embarrass us. These are repetitious phone calls that are just intended to annoy, abuse, or harass me and my husband.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. 
Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

The " said '' credit card ppl claim " I '' opened this CC. Which, I never I did. 
You can check my credit and my credit has been compromised, and I don't know why someone would do this to me anyway. 
I spoke to all 3 reporting agencies, and they directed me to speak Midland who have this acct. I asked for them to close this acct, bc I'm not responsible, but they keep nagging me that it is. 
They claim it was opened in XX/XX/2019, and I moved from XXXX to XXXX  on XX/XX/2019. 
Plz, help me. I don't know where else to go! 
They said I need some kind of affadavit? 
Thank you! 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX credit card company agreed to settle my account in the amount of {$950.00}. However, after credit bureau dispute XXXX provided incorrect information to the credit bureau and is is fraudulently reporting that I owe {$1800.00}.
Product: Debt collection

On XX/XX/XXXX, this company contacted me via phone for the 1st time. I asked for written notifications of said debt, as the amount started was wrong and I wanted to dispute said debt. The rep state that a email was sent to me, I asked the rep to hold while I reviewed email which I was unable to locate at this information was never sent to me. The rep hang up the phone and when I returned to inform then of this information. The next day XX/XX/XXXX, this items was added to my credit report without me having the opportunity to dispute said charge. Which is not an accurate amount. Charges include items that were returned to direct tv. I would like to have my 30 days to dispute this charge. While I dispute this charge it should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed on my credit report was inaccurate when I reviewed it. The 3 credit bureaus must validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$55000.00}, XXXX XXXX Balance : {$19000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I got scammed out of {$400.00}. I called my bank and made a fraud claim. I have the emails sent to me of the person pretending to be XXXX and Wellsfargo, that I supposedly was ti pay a fee for some sort of upgrade. And me gullibly did send it since it seemed like a legit emails and the images on it were pretty accurate to any other email I received from the company. Turns out it was a scam. I called multiple times after my claim was sent and the bank told me that they couldnt help me anymore with the investigation or claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing things diligently with XXXX over and over.

I have been told they don't have documents, I haven't disputed items, that they don't have my FTC report and Police Report and I am frustrated with the lack of effort they use to do their jobs.

They are dealing with peoples credit and they show no regard while doing so. I have disputed fraudulent accounts that have been removed and now XXXX have allowed them to be reinserted under a different debt collector name ... .but the same accounts. This does not seem legal. I have called and requested the removal of these accounts and have been met with resistance the whole way.

These accounts in question are : XXXX XXXX XXXX  ( formerly XXXX XXXX ) -- -- that was referred to the Federal Reserve and that was suppose to be removed from all three cresit bureaus. But is still showing.

XXXX ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with XXXX  and reinserted under a different name to XXXX . XXXX XXXX ( formerly XXXX XXXX  ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name.

I have disputed inquiries numerous times to all three bureaus asking the police report and FTC identity theft report be attached and to this date, they remain.

I don't know what else to do if I have submitted all documentation and these representatives continue to misuse our information and give us false information to get us off the phone.

My last phone call with XXXX lasted almost 2 hrs and I had to speak with at least 4 different people ... to which nothing was resolved. I came in on an outsourced line where I requested a US rep. I received the US rep with the initials XXXX, who was suppose to dispute these reinsertes accounts and I asked to speak with a supervisor to file a complaint because she didn't have my police and identity theft report and I was then transferred to another representative that wasn't even a super isor and learned that the previous representative didn't even file the dispute on any of the fraudulent accounts.

THIS IS CRAZY!!! They are put in positions to control information that affect people lives and they do nothing to protect our information. Something has to be done about this. This is ridiculous.
Product: Debt collection

I had a dental issue and paid for it using CareCredit.. now Synchony bank. the account had monthly payments that were supposed to be {$90.00} a month, zero interest for XXXX years. I make bi-weekly payments of {$50.00}. At some point an additional charge was added that resulted in my payments being short and subsequently lead to late fees of $ XXXX/month and interest. I did not authorize this charge. I made numerous attempts to correct this and on several occasions have brought the account current and still disputed the charge that I did not authorize. Finally after nearly a year, they removed the charge but did not correct the fees and interest that had accrued or credit any of the fees or interest back. My account is still short, still being charged late fees and interest ... and my promotional period is about to end which will result in huge charges if not paid in full. They never even sent confirmation of removing the erroneous charge In fact on the same statement the charge they still charged me interest.
Product: Mortgage

My home is listed with a realtor to for a short sale in lieu of foreclosure. I listed the home XX/XX/2014. I moved out XX/XX/2014. Caliber bought my mortgage after I moved out. They have set a foreclosure hearing to avoid my " cash for keys '' RESPA settlement. Can they do this to me? 
Thank you. Please : this is not a " Duplicate '' request. 
Numerous offers have been made to buy my home.
Product: Credit reporting or other personal consumer reports

I have 2 items on my credit report and they are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Both of these loans have been paid in full and accounts have been closed. I have disputed this multiple times with XXXX and they refuse to remove it from my report. Its not fair to me and nothing old should be on my credit if the account is paid in full and closer as it is negatively affecting my credit report.
Product: Mortgage

US Bank ( Mortgage Lender ) did the escrow assessment on XX/XX/XXXX. The assessment showed that there was an excess of {$13000.00} which was to be returned within 20 days ( XXXX Timely escrow payments and treatment of escrow account balances ). 

I have still not received the Cheque from the bank after 60 days and it is causing financial hardship because I have owe that amount to the county in supplemental property taxes. 

I have made several attempts to get in touch with the bank to resolve this issue but it has not been resolved yet. Please see details of interactions with Mortgage department of US bank. 

XX/XX/XXXX : Called in to check the status of Cheque. Was told the cheque was never dispatched. Advised to call back on XX/XX/XXXX to request reissuing a new cheque XX/XX/XXXX : Called in to reissue the cheque. Cheque reissued, expected to arrive by XX/XX/XXXX XX/XX/XXXX : The cheque did not arrive. Called back again, chatted with XXXX, ( XXXX ID : XXXX ). Was informed that the US Bank Agent committed a mistake in issuing the cheque on XX/XX/XXXX. XXXX re-issued the cheque, XXXX XX/XX/XXXX. 

XX/XX/XXXX : The cheque still not there. Chatted with XXXX XXXX XXXX ( XXXX ID : XXXX ). Was informed the cheque will arrive by end of day XX/XX/XXXX. 

Almost 60 days have passed since the amount was approved. Not receiving such a huge amount back for a long period of time has caused financial stress and hardship, fines on escrow payments and interest on credit cards. US banks delay is entirely responsible for this suffering
Product: Credit card

I missed one payment on my American Express card because I never received the bill for XX/XX/XXXX. American Express increased the interest charge on my account to 29.5 % Charging me {$440.00} interest. Could not resolve with AE customer servce.