23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CMRE is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the fair credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$10000.00} ; XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I am writing to file a formal complaint regarding an alleged debt collection by Gordon, Alylworth & Tami, P.C. The collection agency has contacted me regarding an outstanding balance of {$5400.00}, which I believe is not my debt. 
I received a collection letter from Gordon, Alylworth & Tami, P.C. dated on XX/XX/year>, claiming that I owe the stated amount. I have no knowledge of this debt and do not believe that it is my responsibility. In response, I sent a written request to the collection agency for the following information : 1.A copy of the original contract or agreement bearing my signature.

2.Payment History 3.Name and address of the original creditor 4.Proof of collection authorization The documents sent back in return still do not verify that this is my debt from Gordon, Alylworth & Tami, P.C. I have also verified with my personal bank, that no such check has ever been deposited. I have no knowledge of requesting this personal loan. Despite my request, the collection efforts continue, which I find both concerning and unfair.
Product: Credit card or prepaid card

I implore you to rectify this as soon as possible. I have never missed a payment on this account,
Product: Student loan

I am cosigner on daughter 's student loan. While enrolled as a full-time student, she did an outstanding job making interest payments to save her cost long term and show her as a responsible borrower. This year she made some academic decisions after much derision. She incurred some income changes and communicated this to Sallie-Mae . When I started to get calls, I knew she was struggling so, made payments over phone. She took it upon herself to call and apply for program to restructure payments. In spite of, they called me and I paid to keep from impacting my credit score & hers. It seemed the calls were coming non-stop. She was telling me XXXX thing and they were telling me something different. We made conference call on XX/XX/year>. They set up payment program and used my bankcard for that day 's payment. This was intended to be handled for her to pay. XXXX hour phone call! Calling back is such a nightmare as each agent tells you " account is passed due '' before acknowledging you set up payment program. My credit score nosedive in XX/XX/year> points due to Sallie Mae. I had a draft on XX/XX/year> from my account, yet today when I log in immediate flag on screen says account past due and payment will be needed by XX/XX/year>. The overlap of payments, calls, letters, web account messages is conflicting, inconsistent & harassing. Daughter lives in XXXX, I live in XXXX Each interaction with then results in differing responses. Staff in inept at assisting. Today was transferred XXXX times before I could get assistance and when I asked to speak to XXXX  who was agent who told me she was the account manager, I was told by XXXX XXXX # XXXX that I didn't have the same account manager every month, and that would change. I do not know where to turn. My daughter & I deserve better since we have not tried to run from the obligation but just want consistent customer service that will honor the terms of payment we agree to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX verified late payments that they deem to be incorrectly reporting Equifax and XXXX had a open dispute They stayed XXXX reported the payments back on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint # XXXX - XXXX started contacting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on or about XX/XX/XXXX when XXXX XXXXXXXX XXXX transferred my excellent paid mortgage to that company. I called XXXX XXXX XXXX XXXX to ask why they are reporting on my mortgage statement a Bankruptcy Message? That is when I learned at the beginning of the call with their automatic phone prompt system announcement, that they were a Debit Collection Agency. I asked them to remove it from my statement, because they got an excellent mortgage from XXXX XXXX, not a default or bankruptcy mortgage loan from XXXX XXXX. They refused. I was told if I don't like the statement that I can request them not to send me no statement at all. ( proof of payment, insurance, taxes ). This was the only option they gave me. 

Complaint # 2 - Since XXXX XXXX XXXX got my mortgage from XXXX XXXX, they have not reported to any credit bureau that they are the new company on the loan. Therefore, there is NO credit good or payment history being recorded with any Credit Bureau on my behalf. XXXX XXXX was the last credit reporting on my mortgage loan since on or about XX/XX/XXXX. I called XXXX XXXX XXXX on or about XX/XX/XXXX, also in XXXX, XXXX, XXXX, XXXX to request my good payment history to be reported to all the Credit Bureaus. My request was denied. However, I questioned if I was to miss a payment would they report it as bad credit, they said, they would report it to the Credit Bureaus as a missed payment. So, I said, " you only report bad payment credit history, NOT good credit payment history? '' I am filing a complaint against this company for refusing to report ALL of my excellent payment history to all the Credit Bureaus since receiving my mortgage from XXXX XXXX on or about XXXX or XX/XX/XXXX. Also to remove the damaging, derogatory statement from my mortgage statement. Neither, XXXX XXXX XXXX, or XXXX XXXXXXXX XXXX was involved in a bankruptcy, or a discharge of any type of monetary funds concerning my mortgage loan, so the statement on my monthly bill is misleading and false. My monthly statement is the only proof of my on time monthly payment, and it's defiled every month with this lie. Therefore, I am unable to use it as a form of proof of good payment and credit history. This has caused me a lot of unnecessary distress, pain, and suffering at the hands of XXXX XXXXXXXX XXXX predatory loan service practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was declared a total loss in XX/XX/2018. XXXX payed off the loan except for {$1.00}. Santander never informed me of the remaining {$1.00} balance. Santander charged off the {$1.00} and reported it as a charge off to all 3 credit bureaus. I was never informed by Santander of their intent to collect the {$1.00} nor that they would report it to the credit bureaus without trying to resolve the issue. I've called Santander to ask them to remove the charge off but they insisted that I send a dispute letter for this charge off. This doesn't seem as though this is something I should do as they didn't bother to send me any correspondence of their intent to charge off the account and then report to the credit bureau as if I didn't complete the payment of the loan when XXXX didn't pay the full amount.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section XXXX, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$240000.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts and inquiries. When I called, I was told I had 3 files and they needed to be merged. I did not consent to that, XXXX the rep did it anyway. Once she did that I started receiving updates of hard inquiries that Ive never seen before and accounts. Pursuant to 15 usc 1681a ( 4 ), they did not exercise grave responsibility on my behalf. They were unfair. I never consented or instructed them to furnish this report in the first place. I am demanding that these items be removed asap. They gave violated me under the FDCPA
Product: Credit reporting or other personal consumer reports

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX whose collection agency is XXXX XXXX is reporting a collection amount of {$0.00} in which was paid in full. This collection agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed immediately from XXXX, XXXX, and Equifax respectfully. Thank you in advance for your attention to this matter.
Product: Payday loan, title loan, or personal loan

I called to set up automatic payments, Because my statements have not been mailed on time. I had made a late phone payment, Before because of this, and When I tried to make a phone payment today, My atm card number was not recognized, So I spoke to a represenitve, who transferred me to a guy and and asked for My social security number, I replied if the last 4 digits would suffice, He then gave me hard time, asking me to provide an exact date and payment, i replied I couldn't remember, but had Maile it before the due date, from a copy of an old statement, because I haven't been getting my statement on a timely manner, Then asked me when I open up my loan, Finally he said that I would need to have a checking account with Citibank, to set up automatic payments, and that I have to fill out a mailed form, I also asked him why, They don't have automatic payment information on their statements, or even show when payments were made on thier statements. He was not being cooperative, I stated I would like to speak to someone else, and he stated it would not possible, I Hung up, and called again, And spoke to another young lady, Stated my purpose, for making a payment and set up An automatic payments, And she transferred me To " the direct loan Dept. " XXXX answered, I stated my purpose, Said he couldnt help me, and transfered me to another Lady, And same thing, She said she would transfer me to some else, and I was placed on hold for a Lon while, And back to the main menu, Never ever had an experience like this before, just to try to make a payment on time, Also when I had first applied for this loan I tried to set up automatic payments, But was unable to do so, even though there was option to enroll in it, And stated my bank information was incorrect, Please do follow up, A.S.A.P Thank you, XXXX XXXX
Product: Credit card

On or about XX/XX/scrub> 2025, my USAA American Express credit card was stolen and used to make the following five ( 5 ) purchases : 1 ) Merchant : XXXX XXXX XXXX Date : XX/XX/year>2025 Amount : {$98.00} ; 2 ) Merchant : XXXX XXXX XXXX Date : XX/XX/year>2025 Amount : {$23.00} ; 3 ) Merchant : XXXX XXXX XXXX Date : XX/XX/year>2025, Amount {$42.00} 4 ) Merchant : XXXX # XXXX XXXX Date : XX/XX/scrub> 2025 Amount : {$170.00} 5 ) Merchant : XXXX # XXXX XXXX Date : XX/XX/XXXX. 2025, Amount {$10.00} Total {$350.00} Upon realizing my credit card was lost/stolen on XX/XX/year>2025, I immediately blocked the card via the USAA app , and then called USAA customer service to report the fraudulent charges posted to my account. USAA credited my account for the transactions, cancelled my card and issued a new card. 

However, on XXXX, 2025 USAA posted 4 of of the charges ( items 1 -4 listed above for a total of {$340.00} ) back to my account. 

On XX/XX/scrub> 2025 I received correspondence from USAA advising that an investigation determined the four charges were not fraudulent and that I would be responsible for same. This determination was wholly inaccurate. My card was stolen by an unknown individual, and used without my permission or knowledge. Further, the XX/XX/year>2025 letter was provided without explanation or information on how I could dispute further. Why it determined only one of the five transactions was fraudulent was not explained either. 

On XX/XX/scrub> 2025, I requested contact information for the department where I can communicate my dispute in writing. USAAs live chat representative refused to provide that information, and would only provide the general customer service number. She did submit a report to the fraud services department ( Associated Case No. XXXX ), but would not provide more information on how I can contact that department other than dialing the main customer service number. 

The disputed charges were made after my card was stolen and used without my permission. I should not be held liable for the amounts charged.
Product: Vehicle loan or lease

I entered in contract with Sensible Auto and XXXX on XX/XX/XXXX XXXX. I got my credit ran, received a finance charge but was not properly explained how its the sum of all my charges so they took my down payment of {$3800.00} which is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan at XXXX today XX/XX/20 but I was not approved. They told me the reason they were not able to approve me for a loan was because there are accounts reflecting negatively on my credit. I looked through my credit report and I saw accounts from these companies that do not belong to me. XXXX, XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. I have never opened an account with those companies nor do I have any written or verbal contract with them. I have never given anyone permission to open any account on my behalf and I did not gain anything as a result of those accounts that were opened in my name such as money, goods, services or any other benefit and I did not make any payments towards these accounts. I took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Vehicle loan or lease

Constant calling, even on holidays, harassing my husband and I. They call everyday, all day long. Using different numbers and all. Westlake Financial Services
Product: Debt collection

CAPITAL ONE BANK USA -- XXXX 15 U.S. Code 1681c ( a ) ( 5 ) and 1681s-2 address the reporting of charge-offs to consumer reporting agencies Reporting requirements Consumer reporting agencies can not include adverse information in consumer reports if it is more than seven years old, except for records of convictions. Notification requirements If a consumer reporting agency is notified that an account is being charged off, they must notify the agency of the delinquency date within 90 days. The delinquency date is the month and year when the account first became delinquent before the charge-off. The Fair Credit Reporting Act ( FCRA ) also has guidelines for reporting charge-offs, including : The account must be reported as " charged-off '' or " charged-off as a loss ''. The creditor must report the date of the first delinquency that led to the charge-off.
Product: Credit reporting or other personal consumer reports

Im disputing a remark on my rental history report. XXXX XXXX XXXX XXXX opened up a judgement against me back in XX/XX/XXXX. I spoke to XXXX in the office there and they agreed that this was done in error. I was removed off the lease in XX/XX/XXXX. They never removed me off the lease like they supposed to. I have a written letter confirming the mistake from the office. I want the remark from them to be removed off my file due to the inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter for you to notify to remove those items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and needs to be deleted : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : $ XXXX XX/XX/XXXX XXXX XXXX XXXX CXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX XXXXXXXX Balance : $ XXXX & XXXX XXXX Balance : XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX 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, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Global Lending Services LLC company has been reporting incorrect late payments for years since XXXX. I have reached out to them and also the credit bureaus namely XXXX, XXXX  and XXXX. Nevertheless, none of them did anything to correct the problem. I am attaching proofs of my payments to Global Lending Services for the last 4 months. Yet they still report a 30-day late  payment on my XX/XX/XXXX reports across the bureaus. The credit bureaus mentioned above also did nothing. Every time I send in a request for investigation on the late payments, they also come back to me with a statement declaring that all late payments are verified. It is obvious and evidently that those late payments are wrongly noted. I even send in document from GLS LLC themselves to prove that I was not late. This is clearly a violation of FCRA and other consumer laws. I plan to take this company and the bureaus to court if they do not want to correct this problem.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, I purchased at BestBuys an item for {$1600.00} with no interest for 24 months. On XX/XX/XXXX, this free interest expired. On XX/XX/XXXX, I realized something was wrong because my current balance which is also for purchases I made with no interest was approximately {$1000.00} more than I expected/calculated. I called the credit card company and they explained that on XX/XX/XXXX when the 24 month interest was due on the purchased back in XXXX, and payment was short by {$1.00} and therefore, the accrued interest in the amount of {$1000.00} was applied. I was shocked! as this was not what I expected. I had made all my payments on time, never late and continued making my payments on time and for more to avoid the interest. I was told that they give 20 days grace period to review and request a waiver. That it was to late to even try to request that waive. I had not idea. I thought I had calculated and set my payment to be automatically paid from my checking account. They most had continued receiving payments every 15 days, so they should had received about 15 days later a payment for {$65.00}, and another {$65.00} 15 days later after that, and so on, until XX/XX/XXXX when I paid a larger amount to avoid paying late the next no interest purchase I had made and was due on XX/XX/XXXX. I unfortunately did not pay attention to the interest accrued that was applied back in XX/XX/XXXX. On XX/XX/XXXX looking into my bank statement and making sure my payments were made is when I realized what had happened. I immediately contacted the credit card and pleaded to have those removed as I thought {$1000.00} in interest was unreasonable just because of {$1.00} short in payment for XX/XX/XXXX. They just continued saying how sorry they were but there was nothing they could do and that was that!. I asked to speak with supervisor and they put me on hold just to tell me that they will put in complaint but there may not be a response from them. Also, I am realizing now that I have been charged interest at 29 % on the interest that was accrued. I need help, please!!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX an account was opened in my name without my permission with XXXX XXXX XXXX XXXX, i never applied for this account and never used this account. it was opened fraudulently. i called the company and they said its in there system so i had to pay. account number XXXX the amount {$6900.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX, i never applied for this account and never used this account, they were supposed to investigate the fraud and they still placed it on my credit anyway the account number is XXXX in the amount of {$340.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX. i never applied for this account and, never used this account, i called them and they were supposed to investigate and remove it from my credit and they never did.. the account number is XXXX the amount was {$6400.00} on XX/XX/XXXX an account was opened in my name with XXXX XXXX i never applied for this account and, i never used this account. i spoke with them and they said that its in there system and that, im responsible for it and there was nothing that they could do, they advised me to file a complaint