23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting my account as late, paid off.. I made all my payments on time and need for the to update my account to paid off, paid on time, and need it to be updated on all three credit bureaus.. this has affected my credit tremendously
Product: Mortgage

My ex spouse and I divorced in XXXX. During the mediation she had been required to be responsible for the debt of citizens bank. She neglected to deal with it appropriately and in approximately XXXX it came on my credit report. I disputed with citizens bank at that time. My ex spouse was involved and the debt was satisfied by her that is clearly indicated in the credit report by XXXX. Yet, it has now again been placed as an adverse account on my credit report. I'm not sure who is most at fault. But I am clearly being repeatedly victimized by XXXX and Citizens Bank.
Product: Credit card

Hilton XXXX XXXX offered me a promotion to sign up with their Hilton-American express credit card in XX/XX/XXXX during their event which I attended with my sister on XX/XX/XXXX. The promotion stated that if I make a purchase of {$2000.00} WITHIN 6 months of membership, I will receive XXXX points. I made a picture copy of this promotion. Then my sister and I signed up for this card that same day, XX/XX/XXXX. 
My sister made a {$2000.00} purchase and received her XXXX points. I made my {$2000.00} purchase by XX/XX/XXXX, which is still WITHIN the 6 months membership but I only received XXXX points upon fulfilling that requirement. I escalated this issue with American Express twice and with Hilton 3X and they refused to grand me the remaining XXXX points. 

This is a deceptive business practice. 

My Hilton Honors # is XXXX. 

My AMEX Hilton Honors card that I signed up on XX/XX/XXXX is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received and unauthorized inquiry on my credit report from CIC Credit XX/XX/XXXX and XX/XX/XXXX and I immediately disputed the inquiry with CIC Credit by filing a report. Over a year past and I never received a phone call or email. I decided to call them back on XX/XX/XXXX to dispute this inquiry again and I was told by a representative XXXX XXXX that the person that take my information for the report was no longer there so I would have to make another report. I have enclosed a copy of the report made made XX/XX/XXXX which I never received any feedback.So a year past with this inquiry on my report because of CICs error of filing my report. 

I was later told that the end users made the inquiry and that I authorized it, which I did not authorize a credit pull. The document that was sent to me by CIC Credit has no signatures or initials of my authorization, which I did not give anyone written or verbal permission to pull my credit. CIC was unable to provide valid documentation of verbal or signature authorization of any credit inquiries. 
I explained to CIC Credit that the company told me that it was a soft pull only as stated in an email and that it would not hurt my score. CIC Credit still hold firm to not remove it as I was told by rep XXXX XXXX stated regardless of the evidence I provided to them and I have enclosed in the letter. 

Please remove all inquiries from CIC Credit from my credit report as I have provided adequate documentation to CIC Credit regarding this unauthorized inquiry. They were not able to provide sufficient evidence of documentation from me neither signed or verbal to authorize this inquiry. Therefore this inquiry is in total violation of FTC laws and guidelines. 

I have enclosed documents related to this matter. 


I am requesting that the following inaccurate items be immediately investigated. 
Please delete this misleading information in order to show my true credit history. 
By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record. 

Also, pursuant to USC s1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me when the items have been deleted. You may send an updated copy of my credit report to the address below. According to the provisions of 15 USC section 1681j, there should be no charge for this notification.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against GLA COLLECTIONS for Improper Collection Account Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against GLA COLLECTIONS regarding the reporting of a collection account that I believe is being improperly reported in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Disputed Collection Account : Credit Bureau Involved : [ XXXX, XXXX, & XXXX ] Collection Agency Name : GLA COLLECTIONS Amount Reported : [ {$560.00}, {$560.00}, {$1000.00}, {$1700.00} ] I never had an original agreement with this third-party collection agency, and I have not been provided any legal proof that they have the right to collect or report this debt under the law. 15 U.S. Code 1681s-2 requires that information reported to credit bureaus be verified, accurate, and fairyet this account remains on my report without proper validation.

I have attempted to dispute this with the credit bureau, but they have failed to provide me with adequate proof that this collection agency has the legal right to collect or report this debt. Since the credit bureau and collection agency have not met the legal standard of verification, I request that the CFPB intervene and require the immediate removal of this account from my credit report. 


I am formally requesting that this collection account be deleted from my credit report due to improper reporting. Additionally, I ask that the CFPB investigate this matter and hold GLA COLLECTIONS accountable for violating my consumer rights. 


Thank you for your time and assistance in resolving this matter.
Product: Debt collection

I am writing to file a complaint against XXXX XXXX XXXX and Navy Federal Credit Union for violations of the Fair Debt Collection Practices Act ( FDCPA ). I believe that both entities have breached my cease and desist order and have engaged in deceptive and misleading practices in their attempts to collect a debt from me. 

I sent a cease and desist letter to XXXX XXXX XXXX and Navy Federal Credit Union, explicitly instructing them to cease all communications with me regarding the alleged debt. Despite this clear directive, both entities have continued to contact me in an attempt to collect the debt, thereby violating my rights under the FDCPA. 

Furthermore, XXXX XXXX XXXX has falsely represented itself as a law firm or attorney in their debt collection communications with me. While I understand that XXXX XXXX XXXX may be a BAR-approved law firm, when engaging in debt collection activities, they are held to the same standards as any other debt collector under the FDCPA. Implying that communications are from an attorney or a law firm is misleading and deceptive, especially when they are attempting to collect a debt. 

In addition to XXXX XXXX XXXX violating my cease and desist order and falsely representing themselves as attorneys, Navy Federal Credit Union has also reported negative information about me to consumer reporting agencies, damaging my right to privacy and my reputation. 

I want to reiterate that I do not believe I owe the alleged debt, and I have refused to pay based on my rights as a consumer under the FDCPA. Despite this, XXXX XXXX XXXX and Navy Federal Credit Union have ignored my requests and have continued to harass me in their attempts to collect the debt. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against XXXX XXXX XXXX and Navy Federal Credit Union for their violations of the FDCPA. I also request that any negative information reported about me be removed from my consumer report.
Product: Debt collection

LTD Financial Services Limited Partnership has continued to report unfavorable remarks on my credit profile for a debt that I do not owe. And their remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit to myself and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 

XXXX/XXXX XXXX {$620.00} XXXX XXXX/GF XXXX {$0.00} XXXX XXXX XXXX XXXX {$140.00} XXXX/XXXX   XXXX {$120.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX {$930.00}
Product: Credit reporting or other personal consumer reports

i have no idea what this is. i have no knowledge of this. it is fraud
Product: Debt collection

debt not owed, moved on time with 30 day notice.

Victim of family violence, had to move for safety purposes call from highlands apartments threatening to " return her call or she will submit to ruin my credit ''
Product: Student loan

I had the ability to pay off XXXX of my private loans serviced by AES earlier this month. I call and get all information needed, po box number, and 10 day payoff. I have XXXX account with them. I sent the check certified mail and it was received within 4-5 days of it being mailed. It never posted to my account. I inquired and was told they would look for it. They had the check for over two weeks and now are saying that it does not have the account information, it will not be accepted, I continue to incur more interest and there is a potential of a late fee being assessed by the owner. I forwarded a copy of the check stub, was sent certified from XXXX XXXX showing that it did reference the account number. Also I have XXXX account and the amount of the check was for the amount owed. I find the lack of due diligence, common sense, and how this was dealt with completely unprofessional. In addition I know have the added interest, delinquent account, and the possibility of a late fee. Some reprimand is warranted. These loans are crippling the country and when I try to pay what I owe, I get XXXX one last time ( hopefully although I would imagine that this will continue ). Thank you in advance for your time and consideration.
Product: Mortgage

PENNYMAC continually charging escalating shortage catchup amounts that never reduce the shortage. They refuse to provide a line item accounting of funds into and out of the account. Nor can they explain how they are continually more and more incorrect.
Product: Debt collection

I have been a victim of identity theft, Ive been harassed. I didn't give anyone permission to share, sell, trade or anything that involves sharing my information to someone else. Show me proof that I gave you permission to have my personal information. Show me Front and back copy of an authenticated application bearing my autograph. Show me proof that I gave you written permission to furnish anything on my consumer report. I need to see the following from you Name and address of alleged creditor. Name on file of alleged debtor. Alleged account #. Address on file for alleged debtor. Alleged account #. Amount of alleged debt. Date ( this alleged debt became payable ). Date of original charge or delinquency. Was this debt assigned to a debt collector or purchased? Amount paid if debt was purchased. Commission for debt if collection efforts are successful. Please attach copies of the following : Agreement with your client that grants Wakefield & Associates the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to Pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any judgements been obtained by any creditor regarding this account? Yes No Please provide the name and address of the bonding agents for XXXX XXXX in case legal action becomes necessary : Authorized Signature of Creditor : XXXX Date : ____________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt. If you can not comply with. I need this to be deleted from my consumer report, failure to comply will result in {$1000.00} for each violation you are harming me with. I am very stressed out from this treatment.
Product: Student loan

I have a bunch of private loans that I have been paying to XXXX and then to Navient since I graduated. All loans were taken out pretty much on a year basis. Now that I am repaying them I have yet to see my balance go down at all ( 8 years later ). My interest rates keep increasing. When I called I was told to enter the Forbearance program and even deferments. However, no one told me there would be interest and my payments would get even higher. In addition, they had processed a few payments over the years incorrectly and then charged me with " late fees '' and other fees added on top of my loan. I am currently paying {$860.00} a month. When I asked if I could release my co-signer they said no. No information on the process. I also got into a car accident in XXXX and XXXX with a doctors letter and received a handicap sticker for my car until XXXX. I was given no breaks in terms of paying my loan. If I did not pay, then they told me they were coming after everything I owed and my co-signer. So I continued to either stress to pay or enter in a forbearance. I was never explained the full details of entering into a " Private Loan ( s ) '' at the age of XXXX and never told that even your deferments/forbearance could run out. Which apparently mine has. They told me I am ineligible for anything else to help me and my situation. My dad had XXXX of the past year and I still had to come up with the payments. I have had my credit tarnished for years and they continued to raise my payments causing me to have to get behind a little but ALWAYS paying. I was told my loan because its a bunch of private loans can not be lowered and can go as high as {$2000.00} a month. Something I will not be able to afford. I did n't even know about the " Income Driven Repayment '' plan as they told me only what was available for private loans. I have n't seen my loan decrease since I got out of school yet my payments keep going up. At this rate I have another almost 25 years ( be in my XXXX ) until its paid off. I am complaining as I was not accurately informed of all of the above and then by the time they " changed their system '' and started informing you I was already out of options left to pay the full payment per month on auto-pay. Saving me nothing. I was also told I could not consolidate and nothing about forgiveness. I feel like I was lied to about all of the above and I want to know why my payments are not bringing my loan down.
Product: Vehicle loan or lease

I have an auto loan with Bank of America, and have been making all payments on time using their in house auto-payment system. I recently opened a new business checking account with them in XX/XX/2021, and ran into an internal technical issue where the new account essentially booted my other bank off of my auto loan causing my auto payment to not go through. After seeing a late fee in XXXX I immediately called in to which I reached an executive leader who informed me of the backend issue and assured me the fee would be waived as it was internal, and helped get the issue resolved. 
Coming up to XXXX, they simply moved the fee from XXXX to XXXX payment instead of waiving it. To avoid another fee, I paid the amount with the fee and called in to discuss the issue multiple times, and on 3 seperate occassions was told it would reflect on my next cycle. The next cycle still does not reflect any refund, and Anytime I call back in, I speak to supervisors who place me on indefinite holds and disconnect my calls. 

XXXX XXXX Escalations manager- XXXX Florida placed on 25 min indefinite silence.XXXX XXXX CST. 

XXXX XXXX senior escalations manager- XXXX Florida- refused to send documentation The company seems to be claiming they are waiving these fees, then simply collecting them on the back end.
Product: Mortgage

Arvest Bank has taken over my mortgage in XX/XX/XXXX and I was able to reduce my property taxes due to proposition 19 here in california. I received final notice that my property taxes have been almost cut in half in XX/XX/XXXX but have been unsuccessful in trying to get them to adjust my escrow account. First they told me that they would adjust it in XX/XX/XXXX, then I called in early XXXX to find out what day I can expect it to be modified, they told me it won't be until XX/XX/XXXX and that it wouldn't take effect until XX/XX/XXXX. They already owe me XXXX  of dollars due to over collecting on my escrow account even though they have copies of my current property tax rates. I have given up calling them and hope you can get them to reassess my escrow account soon.
Product: Debt collection

In accordance with the Fair Credit Reporting Act the account below has violated my federally protected consumer right as it relates to 15 U.S. Code S 1681. Account Name : XXXX XXXX XXXX Credit Report I reviewed my credit report on XX/XX/year> I noticed somethings are incomplete and not accurate. I wrote to said company ( certified mail ) requesting validation of the alleged debt, including any original signed contracts or agreements. Said company has NOT and DID NOT provide proof of such account, including original signed contracts or agreements. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U S Code 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, if after reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Ii ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to 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 reporting or other personal consumer reports

my information is being use on the world wide webb, it is ruining my reputation and i am being denied credit, anything negative on my report or derogatory defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

during covid of 2020 i did nor receive mail, for bills, in a timely matter, i missed a credit card payment/. i was listed as a +missed payment '' .i paid as soon as i could., but it affected my credit rating negatively. i want my rating restored, as i pride myself with an exceptional rating.
Product: Debt collection

This company called my employer to a contact # that is not mine directly. Left a voice mail message with an unknown party in an executive office " Investor relations '' stating on the voice mail that this is regarding collection of a charged off loan lone of credit even checking account balances. This VM was forwarded to me " transcribed '' from this executive officer of our company. Humiliating, and I do not even know what this debt is regarding. But they disclosed collection information on the VM they left, and it was NOT my direct voice mail box.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4400.00}
Product: Credit card or prepaid card

Capital One 's payment processing XXXX XXXX was not deliverable. My XXXX  2017 payment was returned by the XXXX XXXX as " XXXX XXXX ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a contract stating that I would receive {$120.00} for Equifax due to thier security breach. I received another email informing me that I must amend my complaint and the sum of money would be less. I signed a valid contract and those terms are enforceable. No one can make me amend that contract, in order to give me LESS. This is unfair and deceptive.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : SYNCB/LOWES Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

This grumbling to NORTHERN TRUST was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.