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

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding an unjust collection account that has been placed on my credit report by XXXX XXXX XXXX This debt is invalid for several reasons, and I am requesting your assistance in having it removed. 

Debt Was Never Verified : I have never received any proper verification of this alleged debt from XXXX XXXX XXXX as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Under federal law, I have the right to dispute a debt and request validation, yet no documentation proving the validity of this debt has been provided. 

Services Were Not Rendered : XXXX XXXX was unceremoniously expelled from XXXX XXXX and was not allowed to attend for the week in question. Since services were never provided during that time, I am not responsible for paying for them. The daycare effectively breached our agreement by refusing service, thereby invalidating any claims for payment. 

No Agreement with Collection Agency : I have never had an account with XXXX XXXX XXXX nor signed any contract obligating me to pay them. The original creditor XXXX XXXX allegedly sold this debt to a third party without my knowledge or consent, effectively severing any contractual obligation I may have had. As the original creditor is no longer attempting to collect the debt, and I never entered into any agreement with the collection agency, this account should not be reported under my name. 

Unfair and Deceptive Credit Reporting : Reporting this invalid debt on my credit file violates the Fair Credit Reporting Act ( FCRA ), as it is both inaccurate and misleading. It is my right to dispute any unverified or erroneous accounts appearing on my credit report, and I demand its immediate removal. 

Requested Resolution I am formally requesting that XXXX XXXX XXXX  provide immediate proof of the following : A valid, signed contract between myself and XXXX XXXX XXXX proving that I owe them this debt. 
A detailed itemization of any charges, including proof that services were actually provided. 
Legal proof that XXXX XXXX XXXX has the right to collect on this debt and report it to credit bureaus. 
If the collection agency can not provide proper verification of this debt, I request that it be immediately removed from my credit report with all bureaus. 

I appreciate your assistance in resolving this matter and ensuring that my consumer rights are upheld. Please keep me informed of any updates regarding my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

i have sent several validation requests to Alliance collections asking for information obtained from the original creditor including the original contract and the contract showing that they were assigned this debt and have legal authority to collect and the only response i have gotten was a print out from there computer.Per the XXXX opinion letter put out by the FTC this does not satisfy requirements under the the FTC and FDCPA and is consider unfair debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Credit Bureaus reported they did a proper investigation to my XXXX XXXXXXXX account. As you clearly see its missing the months of XXXX. 
If XXXX XXXXXXXX was reporting where are the documents. 
This is hurting my credit/FICO score.
Product: Payday loan, title loan, or personal loan

I had a loan with Bridgecrest Financial for the purchase of a used vehicle through XXXX XXXX, the purchase date was XX/XX/2021. On XX/XX/2021, I paid {$13000.00} to Bridgecrest towards my loan. Later when I checked my account, I found the amount to have gone towards the loan payments instead of the principal, so I called them. During the the call I was advised that the {$13000.00} payment I made would not reduce my {$330.00} loan payments and I would need to call in every time I wanted a payment to be applied to the principal of the loan. These two points I found to be unacceptable and decided to pay off my loan. When looking for a payoff quote I found the interest over the life of the loan was not being adjusted. I called Bridgecrest again to discuss my dissatisfaction with now three different point of my loan, but got no satisfaction. I had emailed them twice with no response, voicing my concerns and frustration. During the phone call I was informed that the payoff quote would stand and if Bridgecrest saw fit, they might pay interest that wasn't owed. My due date for my first payment was XX/XX/XXXX & I paid the remaining {$8700.00} XX/XX/2021. To date I have not received my title or any of the {$3300.00} interest that had been applied to the life of the loan.
Product: Mortgage

I purchased home XXXX XXXX and obtained insurance from XXXX XXXX acct # XXXX as Guaranteed Rate as my servicer. The insurance was paid through my escrow during closing. Guaranteed Rate transferred my loan to XXXX XXXX XXXX in XXXX of XXXX. XXXX XXXX sent 2 invoices for insurance payment in XXXX of XXXX and XX/XX/XXXX, both invoices were not paid. XXXX XXXX of XXXX I received a letter stating XXXX XXXX XXXX would be placing lender place insurance on my home. I called XXXXXXXX XXXX XXXX and spoke with the who instructed me on uploading the new XXXX page to the claim to deter lender placed insurance. I uploaded the document XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I received a letter stating force place insurance has been added due to no homeowners insurance. I never missed a mortgage payment Guaranteed Rate and XXXXXXXX XXXX XXXX violated my RESPA Section 6 rights. Neither paid my insurance per the federal responsibility as my loan servicer. With an FHA loan, I am required to have an impounded account. As of now XXXX XXXX will not re-instate which was cancelled XXXX of XXXX or provide new coverage due to non-payment. I have to seek different insurance at a much higher rate due to breach of contract by the servicer failing to pay the policy premium. RESPA does not require borrowers to maintain an escrow account. It is the lender 's decision whether the borrower must maintain an escrow account for the purpose of paying taxes and other items. Neither Guaranteed Rate nor XXXX can explain why the invoice were missed. Ironically, I received my 1-yr anniversary escrow analysis which is the review of taxes and insurance, but no one mentioned non-payment of insurance. When I spoke with XXXX XXXX of XXXX XXXX servicing, he stated my funds were sitting in escrow and acknowledged that the XX/XX/XXXX, email of my XXXX page was received. 
My rights have been violated, per lender requirements, the servicer breached the contract when they failed to make payment, my mortgage has increased, the new insurance policy premium is higher, I have been sanctioned by insurance for lapse coverage all because I am required under FHA loan agreement to have an impounded account which the servicer failed to pay.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and District of Columbia Laws Dear CAP ONE AUTO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws specifically under the District of Columbias statutes.

It has unequivocally come to my attention that CAP ONE AUTO has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, the District of Columbia emphasizes consumer protections against unauthorized use and reporting of credit information through its identity theft statutes. Specifically, the Districts Code under Chapter 38A ( Identity Theft ) and Chapter 32 ( Consumer Protection Procedures Act ) provides further legal grounds to protect consumers from unauthorized use of their personal information and any deceptive trade practices that may arise from such actions.

I assert with unwavering certainty that I have not provided consent for CAP ONE AUTO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and District of Columbia laws.

I demand, with the utmost certainty, that CAP ONE AUTO immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the applicable identity theft and consumer protection laws of the District of Columbia. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under both federal and District of Columbia laws , including identity fraud statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and District of Columbia identity theft and consumer protection laws. This is not a negotiation ; it is a demand for compliance with both federal and local regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAP ONE AUTO will promptly rectify these egregious violations, respecting my rights under federal and District of Columbia laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is clear to me that a mistake has been made on my credit report ... These companies conducted a credit inquiry without my authorization.. I disputed the inquiries but it came back verified. I never gave this company the permission to check my credit report.. Please take this off XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX My social security number is XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ny XXXX. The problem is that my experian credit works membership is showing wrong information like when I look at summary of my credit score it tells me that I have one account thats 30 days late. But I don't have any late payments on my credit report. The problem is that it keeps showing up on my membership profile when I click on my credit score it show that a 30day indicator in the score sections. I address this mater to the disputes department and they told me that their isn't anything negative on my report. XXXX that I have to speak to experian credit works customer service. Because they have a different data base. So I talk to membership and I got the runaround that they don't correct mistakes they did tell me that they see it in the credit works profile but that's handled by regular special services dept this is affecting me because some lenders think I have late payments on my experian report but I dont
Product: Checking or savings account

On XX/XX/2024, I made a cash deposit of {$75.00} at a Bank of America ATM located at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. During the transaction, the ATM malfunctioned and displayed an error message, eventually notifying me of a problem. I started recording a video and the machine issued a receipt with the ATM number for filing a complaint. However, the ATM neither returned the money nor processed the deposit. I immediately called Bank of America customer service to file a complaint, provided all relevant details, and was assured that the issue would be resolved quickly. On XX/XX/XXXX, I followed up and was told there was no record of my initial claim. I opened a new claim with the number XXXX and was told that the dispute would appear on the online platform, allowing me to upload evidence. Despite several follow-up calls on XX/XX/XXXX and XX/XX/XXXX, my funds have still not been credited, and I have not been allowed to upload my evidence. Bank of America has failed to resolve the issue or explain the delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/20 I sent in a dispute for inaccurate information reporting on my TransUnion Credit report, and a following up request about the dispute on XX/XX/20 for the following accounts showing that I owe the following amounts {$2000.00} {$5400.00} {$4600.00} {$1800.00} {$2500.00} They have failed to respond to the dispute within 30 days or mark these as disputed. It has been well over 30 days and the accounts all remain the same reporting different information on each bureau. This is a serious error in my reporting and according to the FCRA TransUnion has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

I made a payment to my capital one credit card in the amount of {$410.00} on XX/XX/23 from a saved payment method on file with capital one. The payment has processed, they have taken the money from my bank and applied it to my balance, but have not made the credit available for use. Instead, it has been placed on an administrative hold and I wont have access to this money for 26 days.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act. My credit report do not match whats so ever. I remember applying for something and got denied for a repossession of a car or something, but that is weird because I HAVE NEVER HAD XXXX  CAR REPOSESSED. Im always on time with bills and such so them saying that I have multiple repos is not correct and has had me denied for XXXX thing. Lastly, I have reported over XXXX times about the inquires that are taking place on my credit. These inquires are not correct. I have a copy of my experian credit report that only shows XXXX hard inquires but I have XXXX and XXXX inquiries on XXXX and trans union. If this does not get resolved I will in fact being sueing them for falsifying my credit report. This is definite abuse to the fair credit reporting act. I believe in being fair and the XXXX inquires that are on my trans union and XXXX all are wrong I have tried multiple times to talk with someone but get no shot at anything because the representatives are rude and think they know everything. Also it has taken wayyy over time from when we were supposed to hear something back but just got a credit report in the mail which is not fixing my credit. If I dont have my credit report match what is on my XXXX  credit report I will be looking into an attorney soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting accounts that are fraudulent and I am asking them to investigate and remove them. These bureaus does not respond to any of my letters, I did not receive anything from them even after 40 days.
Product: Mortgage

There is a class action suit going on at this time - but my situation is after the time period that the lawsuit is for. XXXX v. PNC Bank, N.A., well this settlement settled nothing. PNC is still continuing their practice! I ca n't file in the suit since this is happening to me NOW. I have been dealing with PNC for 2 months now. Our area just got mapped as a flood zone ( XXXX XXXX ). I was notified that I had to purchase flood ins for the VALUE of house. I contacted the XXXX county tax area - my home structure is worth {$160000.00}. My balance is {$210000.00}. I purchased insurance for $ XXXX-more than the value ( there first letter stated that I needed to purchase flood insurance for the value of the structure ). I notified PNC - have copies of letters, faxes, contact people names. I was told they would look into value and notify me by mail on XXXX XXXX, per XXXX XXXX, Loan Support Analyst, XXXX XXXX - Flood Servicing, XXXX XXXX XXXX XXXX, PNC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( p ) XXXX | ( f ) XXXX. I received a letter today, XXXX XXXX, 2016 - acting like I have totally ignored them -and they purchased additional insurance of {$23000.00}, which is more than the value of the home OR MY balance! Charging me {$140.00} - I have already paid out {$450.00} additional monies over my homeowners insurance for this special flood insurance. PNC is TERRIBLE to work with - I just keep getting transferred to one dept to another dept - the rep telling me - they do n't handle my issue. I have spent so much time on the phone and on letters and emails. I am totally frustrated. Is there anything I can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having issues with Experian, XXXX, XXXX they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not with this student loan company. I called the Dept Of XXXX XXXX they did not have any information on my account because they so-called transferred the account to Aidsurgent which I called also & no information is coming up in their system for me meaning there's no proof that I have this account I also sent the company a letter to validate my account with the original document & Dept Of XXXX XXXX ignore me, Experian keeps on dropping my score for no reason it has not even been 30 days like they claim. Experian pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when you sent in your picture ID, SS card #, address, they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the companies paperwork & paid certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Highest Balance {$540.00} Amount Past Due : {$0.00} Balanced was paid in full not sure why it is showing payment status current.
Product: Credit card or prepaid card

In XXXX XXXX I opened a Barclays AAvantage Credit Card with a XXXX advertized bonus with {$2000.00} spend. I met the terms in XXXX and have been waiting on the bonus. The terms state that the bonus will be paid in 4-6 weeks but can sometimes take 8-10 weeks. It has been three months. When I contacted customer service they said the bonus would post on my XXXX statment but it did not. 

I would appreciate the bonus being paid now as I met the terms of the offer and had wanted to use the points for a flight. Due to the delay I have had to book the flight and have not been able to use the miles promised. 

From the company : You will receive XXXX bonus AAdvantage miles and a {$95.00} statement credit after spending {$2000.00} on Net Purchases within the first 90 days of your Card Account open date. This one-time offer is valid for new accounts only. Existing accounts and previous cardmembers with accounts closed in the past 24 months may not be eligible for this offer. The bonus AAdvantage miles will be reflected on the billing statement in which you have qualified to earn the bonus. Please allow 4-6 weeks for bonus AAdvantage miles to be deposited into your AAdvantage Account after the qualifying purchase ( s ) have posted to your Card Account. The statement credit will appear at the close of the billing statement after the qualifying purchases post. 

The requirements were fulfilled on XX/XX/2022 statement, therefore, we kindly ask you to allow the allotted time. The bonus miles should be reflected on your XXXX statement. 

We thank you for being a valued customer and we hope you enjoy the rest of your day. If you have any other questions or concerns, please reply to this message.
Product: Credit reporting or other personal consumer reports

HELLO MY NAME IS XXXX XXXX XXXX, I'VE RECENTLY NOTICED SOME UNAUTHORIZED INQUITIES ON MY REPORT & ACCORDING TO THE FCRA THIS IS A VIOLATION OF MY RIGHTS, ANAD ILL LIKE TO THE ACCOUNT REMOVED IMMEDIATELY! 

THE COMPANY HAS XXXX ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT AUTHORIZED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I'VE NEVER STEPPED BEEN TO XXXX, XXXX IS'NT IT ALSO ILLEGAL TO BE COLLECTING/REPORTING INFORMATION FROM A DIFFERENT STATE? 

PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY PLEASE AND THANK YOU!
Product: Student loan

Monthly payment for XX/XX/XXXX made on XX/XX/XXXX, debited from my bank on XX/XX/XXXX.
Shortly after making payment, enrolled in direct debit/automatic payment for slight reduction in interest rate ( not notified, found on their site on my own ).
After enrolling in direct debit, account summary showed that I had a new payment due for XX/XX/XXXX on XX/XX/XXXX.
Suspended direct debit for one month to avoid making two payments, and contacted FedLoan customer service to address the error. Was told that they would correct it in their system.
Followed up with FedLoan on XX/XX/XXXX when my account still showed a payment due on XX/XX/XXXX. Was told again that they would correct it in their system but that it would take 10 days for it to be reflected on my account summary.
Checked my account summary on XX/XX/XXXX and it still showed payment due for XX/XX/XXXX.
Notified via email that my payment for XX/XX/XXXX is three days past due onXX/XX/XXXX. Called FedLoan customer service which then verified I had made a payment for XX/XX/XXXXand that it had been applied to my account, and reassured me they would correct the error.
Received another email on XX/XX/XXXX stating my payment was one week past due. Immediately sent them an email describing the series of events listed above, have yet to receive any response other than they have received an email from me.
As of XX/XX/XXXX my account is showing a payment made for XX/XX/XXXXon XX/XX/XXXX, and payment due for XX/XX/XXXX on XX/XX/XXXX, and a direct debit payment scheduled for XX/XX/XXXX.