23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Last week Thursday, XXXX XXXX, 2015, I received a summons from the Law Office of Joe Pezzuto , LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. 

Prior to this summons I have never heard of XXXX XXXX or his law firm. I did not receive a phone call, voicemail, letter or email from this law firm. I do not currently have nor have I ever been in any contract with this law firm. They never provided me any documentation regarding this debt before proceeding against me in court. 

I do believe that they are in clear and direct violation of the Fair Debt Collection Practices Act. 

The exhibit attached in the court filings did not show my name or signature in contract with XXXX XXXX nor did it show any ownership of a debt relating to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the wrong information on my credit report. Experian is displaying that I have {$110000.00} of open debt which isn't true. Also Experian is reporting that I have {$25000.00} of revolving debt and usage of XXXX  % on a card that I only owe {$55.00} dollars on and the max limit is {$750.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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. 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: Credit card or prepaid card

TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT CAPITAL ONE BANK USA NA To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.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 that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

United auto credit Corp. Is violating my consumer right Md Judicial courts and judicial XXXX : A creditor or credit may not initiate a consumer debt collection after the expert expiration of statute of limitations, applicable to the consumer debt collection action. 
12CFR10006.34 ( b ) ( 5 ) United auto credit corp. is still placing this collection on my report.

15 USC1681 Permissible purposes.

15 USC 1681 a ,15 USC ( e ) ( b ), 15 US 1681b United auto credit is fine all of those rights. 

The owner is incorrect on this inquiry. The date of last activity is incorrect. The terms is incorrect. The incorrect date is incorrect. The responsibility is incorrect.
Product: Consumer Loan

I was offered a loan for XXXX dollars but in order to receive the loan I they said they would deposit some funds into my account and I would have to send the money back to them through money gram to see if I would pay it back. This happened XXXX and I did not want to continue with this practice but they kept adding more money into the account. Later found out that the money that was deposited was claims against other bills that I have already paid that were being returned by the bank to my account. This led to chain reaction to other debts being in default because of this scam! Now when I reported to the bank about the claims they said they would reverse them and my account would be in the negative and my debt payments would also have to be paid. I am out XXXX dollars x XXXX the number used by the scammer is XXXX
Product: Debt collection

I was trying to make a loan at this other bank on XX/XX/XXXX and later they call me an say we cant approve your loan because it show on your credit history that I owe XXXX XXXX so I ask them when an they said on XXXX and they told me that collection agency is after me which is I honestly never ever step on XXXXXXXX XXXX property in my whole life.
Product: Debt collection

Ally continues to contact my cell phone asking for information on a relative. They have contacted all of the cell phone numbers in my plan and continue to do so after have been asked several times to cease communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a statement in late XXXX from Citizens One Bank requesting payment on a balance of {$830.00} for an XXXX All Access purchased as part of a promotion at XXXX. I contacted the bank upon opening the statement to advise that the account they had approved was opened fraudulently. My personal information had been used to open the account and make the purchase. XXXX in Consumer Lending set up case number XXXX. I was able to get delivery information from a XXXX site. The product was shipped to the XXXX XXXX and XXXX in my neighborhood. I contacted the credit reporting agencies to have alerts placed on my credit reports. I filed reports with the Federal Trade Commission XXXX complaint number XXXX ) and with the XXXX Police Department XXXX report number XXXX ). I filed the police report online XX/XX/2021 and met with Officer XXXX XXXX who witnessed my signature and signed the law enforcement report the following day. The law enforcement report was included in the Identity Theft Victim 's Complaint and Affidavit packet faxed to the ID Theft Operations department at Citizens One XX/XX/2021. Collection efforts have continued and derogatory information has been reported. I called the bank and spoke with a collections representative XX/XX/2021 who advised me that collection efforts and past due reporting will continue until the bank 's investigation is resolved and that it may take several months. I called the ID Theft Operations department XX/XX/2021 and left a message per the prompt that stated I would receive a call back within XXXX hours. I didn't hear from the department on the XXXX, so called and left another message on XX/XX/2021. I still have not received a call back. I get the impression from talking with bank representatives that there has been a great deal of fraud reported, and that it is taking time to work through the investigations. At the very least, I would like the bank to clear derogatory information reported to the credit reporting agencies and to stop collection efforts. I have done all from my end that I know to do XXXX this is a 1st time experience for me ). The bank approved an application and purchase without making the effort to contact me when the shipping address was different than the billing address. I was told by a bank representative that my correct phone number was on the application. It would have been so easy to avoid what has already been a very time consuming and worrisome experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from   XXXX   XXXX   around the end of     XXXX   indicating I defaulted on a loan. I never applied for a loan. I immediately called   XXXX   XXXX   after receiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called   XXXX   XXXX   and with my permission paid/settled on the balance. I was told the negative reporting would be removed. I even received a letter in RR mail shortly after this other person made the payment.  <P/> Now the item is showing on my credit report and opened for the full balance. I called   XXXX   XXXX   today and they told me to file a complaint with the FTC.
Product: Credit card or prepaid card

Opened Goodyear Credit Card to save money on tires ( {$75.00} ) and spread payment out for no interest for 6 months. Paid off in 4 months XXXX XX/XX/XXXX ) with no interest. Received bill for late payment of interest only charges and late fee. Called XX/XX/XXXX to resolve and they removed late fee {$29.00} but would not get rid of interest. Paid off {$41.00} in interest as I no longer have any documentation of offer.
Product: Mortgage

In XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. I received a letter from XXXX stating they sold it and that effective XX/XX/XXXX Carrington was my new lender. I have been making my monthly payments to Carrington since. I had some trouble with them in XXXX, I received a letter from my homeowners insurance saying they had not been paid. I contacted Carrington, it  basically took over a month for the issue to be resolved. On XX/XX/XXXX I received a disturbing call from a woman stating she was from Carrington on a recorded line to discuss my XXXX payment, but before I could say anything she said disregard this call. I said I already made my payment she said I know that's why I said disregard. ( she was very rude ) I asked her why she even called then she said to talk to you about your XXXX payment but I said disregard. The whole thing didn't make sense to me. So I asked her why they are not reporting my payments to the credit bureau she said I don't know let me have your social. I didn't feel comfortable giving it so she just hung up on me. I called the number back and it was in fact Carrington. I am trying to buy a new house and this is hindering me. I need this resolved as soon as possible. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Paragon Credit Repair Services states in their advertisement that if you are not satisfied with their services you do not have to pay. This company promised to increase my credit score 3 years ago and instead made my credit even worse, I went all the way down to the low 505 range. They fraudulently charged me on a monthly basis to me and my wife, claiming that they had debt deleted which was a flat out lie, and nothing was deleted from my record. They falsely tell people that they will delete information from credit reports, which obviously can't be done. In XX/XX/XXXX again they tried to get me to continue to pay for services that were never rendered, my credit was complete garbage thanks to them. I filed a complaint which I'm enclosing, again. 

I'm also enclosing emails I received recently in XX/XX/XXXX in which the owner and his assistant are harassing me and my wife over email and phone. They are also filing false claims of owing money with a collection agency that calls non-stop. I have repeatedly asked them not to contact me via phone, email. or via any communication as there debt is not valid. This is a corrupt business that commits fraud by telling people they will fix their credit, and then they try and charge exorbitant amounts of money for services never delivered. This business needs to be investigated for consumer fraud.
Product: Credit card

Walmart sent me email promotion on XX/XX/2016 promising {$50.00} e-gift card within 10 days if I applied and was approved for their XXXX through Synchrony Bank. I applied and was approved the same day, XX/XX/XXXX. I received the MasterCard ending in XXXX. I have not received the {$50.00} gift card. When I call Walmart, the only response is that they are working on it. It has been well over 2 months.
Product: Credit reporting or other personal consumer reports

I requested my credit report and saw that I had a mixed file. I contacted Equifax to fix the information by submitting a dispute online but wasn't able to. That happened in XX/XX/. I called them and tried to submit a dispute over the phone. They weren't able to do it. I sent in mail to fix the dispute in XX/XX/, but they haven't fixed it since. It is now XXXX.
Product: Mortgage

XX/XX/XXXX. Company ran my credit and said I was approved with XXXX  % down payment because he was XXXX years old and doesn't fit they guidelines.
Product: Vehicle loan or lease

I was really surprised when reviewing my credit report because I saw a late payment on XX/XX/2016. I don't know how this has happened. I make my payments to you whenever I get my statements. The only thing I can think of is that the statement must not have gotten to me.
Product: Mortgage

On XX/XX/XXXX I was cold called by a LoanDepot rep, XXXX XXXX, about a HELOC loan. I had been interested in a HELOC in the past but spoke with a few local banks who said my type of income, notes receivable, required 12 months of history to be accepted as income. 

I told this to the LoanDepot rep. We discussed the income situation and he said they did not need 12 months history and this form of income was fine for a HELOC. He then passed me on to another rep, XXXX XXXX. This rep was incredibly pushy and combative when I questioned their ability to accept my form of income. He confirmed it was fine. I didn't like dealing with this rep so I ended the conversation. I was subsequently emailed by a 3rd rep, XXXX XXXX. This gentlemen also confirmed my income was acceptable for underwriting after an almost 30 minute conversation going over every detail. I submitted an application and supporting documents to this rep. 

I was then passed along to a different mortgage rep who called me everyday asking the status of a few different documents. I don't remember this guy 's name because it was only phone calls. Then I was passed along to a 5th and final mortgage rep, XXXX XXXX. 

After several weeks of providing documents the loan was almost complete and the 5th mortgage rep confirmed my income was verified by the underwriter. LoanDepot contacted my homeowners insurance company and had them named as a mortgage lender on the policy on XX/XX/XXXX. My rep said I would getting documents by the end of the week to have notarized and the loan could by funded in early XXXX. 

On XX/XX/XXXX I was notified that underwriting had rejected my form of income and that they required 12 months of history to verify the income. The same exact standards that the other banks told me, except their mortgage reps told me on the very first call instead of wasting 45 days and a hard credit check. 

The lesson I learned was all of those mortgage reps were lying salesman. They had zero authority to confirm that my income was good to go for the HELOC. The 5th rep I worked with seemed OK, but the rest flat out lied and told me directly that I was solid just to get me to move to the next step in their sales process.
Product: Credit card or prepaid card

In my last statement from JCPenney dated XX/XX/2021, I notice a late fee of $ XXXX.I called the company customer service department and spoke with one of their agents. I explained that my due date was the XXXX of the month and I had paid the bill on the first of the month through my Bank. I was told that the payment had been received on the XXXX of the month and had been applied to the previous month of XXXX. I had paid the XXXX bill the first of the month so it was not due, in any case, the agent told me that since the payment had come in after the XXXX I was being charged the {$38.00} for the previous month and my next payment was due on the XXXX of XXXX. He then decided that he would wave the & XXXX late fees after he could not explain to me how my paying within the time before my closing date but after my due date when a payment was paid before my due date was already on the book. I asked that all my fees that had been charged to my account be applied to my balance and was told they only return fees once a year as a courtesy to customers. I told him that I would be reporting them to the XXXX  and the Federal Government because this could not be legal. I told him I had never been penalized for paying an account early. I also asked about interest charges that are continually being charged on an account that I closed better than a year ago. Was not given an answer.
Product: Student loan

I was charged over {$10000.00} for 3 months of schooling. I gave back the computer and the books and was still charged with this outrageous amount. I am now XXXX and am unable to work so I am having a lot of trouble paying back my loan
Product: Credit reporting or other personal consumer reports

In XXXX, I paid a very small collections debt for a phone bill I never received until it appeared on my credit report. The collections company said they reported my debt as deleted to the bureaus. It disappeared from XXXX, but not equifax. I disputed it on equifax several times in a row, even providing a reciept from collections showing I owe {$0.00}, and the dispute keeps being denied and the collections is still on my equifax credit report, at least XXXX points lower than it should be. The only option when I call equifax is to keep disputing repeatedly, but all my proof is the same as before. They will not help or tell me anything about why they denied my disputes. The collections company has confirmed over the phone twice me twice that they reported it as deleted and {$0.00} balance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on [ date of dispute ], along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

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

I have been reaching out to the Equifax for a while now asking for them to delete these inaccurate hard inquires and addresses on my credit profile, Equifax has not given me any updates by mail or phone or email regarding this issue I called and asked Equifax to show me proof that they looked into my matter the agent couldn't give me a proper answer and at this point I feel my rights are being violated and this is why I came to the CFPB for help. The Credit bureaus violated these laws 15 U.S.C 1681 section 602 A. States I have the right 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 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before expiration of the period under section 611 ( a ) ( 1 ). ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, modify that item of information, as appropriate based on the results of the reinvestigation : and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX i filed a dispute to transunion about incorrect balane on my XXXX credit card. To date they have never responded to the dispute, nor will they reply when i ask about it.