23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company Has called me repeatedly daily and has left over 15 voicemails within a months timeframe but failed to notify me in writing about the alleged debt that's owed. I never signed a contract with this company. This company is in violation of the HIPPA law as well as well as 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Product: Credit card or prepaid card

I opened a CareCredit account in XX/XX/2021 to pay for a XXXX for a pet. The card has no interest payments for 12 months. My goal is to pay the card off during the first 12 months to avoid paying any interest. I paid {$450.00} on XX/XX/XXXX. This amount is equal to XXXX of the total amount. In XXXX I received an email stating that my XXXX payment was late and they were charging me a {$29.00} late fee. I contacted Synchrony Bank, the issuer of the card, and they removed the late fee because it was determined they never notified me that a payment was due. They also agreed to allow me to make a payment on XX/XX/XXXX in the amount of {$450.00}, and to start automatic payments for the month of XXXX. However, they didn't deduct the funds from my account for the month of XXXX and told me no payment was necessary until XX/XX/XXXX. I called on XX/XX/XXXX to discuss why no payment will be made for the month of XXXX. My call was disconnect 3 times, even after I asked the customer service rep to make sure we wouldn't be disconnected, due to the long wait times. I'm frustrated with the process because they don't listen to me and kept telling no payment is due for XXXX. I explained to the CSR many times that I didn't want to accrue any interest on the account. All I want to do is to pay 12 equal monthly payments. They are making this process very difficult. It seems that they are doing everything possible so I won't pay the card off in 12 months so they can make more money on the accrued interest.
Product: Payday loan, title loan, personal loan, or advance loan

I received a loan offer by text from Emoney USA on XX/XX/year> after searching for online payday loans and filling out a form with my personal information. After responding to this they texted me to verify my personal information including my mailing address, place of employment, my checking account number which they already had on file and I confirmed it was correct. I also gave them my debit card number. I also was transparent with them about my overdrawn bank account and financial issues. They offered me a loan of {$600.00} without a credit check. They warned me to make sure I had funds in my account for my scheduled payment on XX/XX/XXXX otherwise I would be reported to a collections agency. I was desperate so I agreed to this. They deposited {$600.00} to my account the next day, no problem. I should also add that when I looked into this deposit to my bank account that it was listed as foreign currency. Anyway, I made sure to have enough money on my scheduled payment day to make sure there wouldnt be any issues as I was so grateful to have gotten this loan which really helped me to get out of a financial bind. They never withdrew money from my account and there was no indication of an attempted charge. Then, on XX/XX/XXXX I received a notice that my payment was returned because they were unable to locate my bank account number and that I would be moved to collections if I didnt update my information within 24 hours. Their website is set up so that I cant even log in. I expressed my confusion as to how they were able to deposit funds to my checking account, which I will say again WAS the correct number, and they attempted to argue that it was deposited to my debit card not my checking account which is total XXXX. and also, again it was the right information. They continually attempt to gaslight me about this and they are currently threatening to move me to collections this Friday XX/XX/XXXX. I told them that I am not sending out any more information over text, I sent them all of my personal information and now I am terrified that I have fallen prey to a scam. These people need to be put out of business.
Product: Credit card or prepaid card

I opened a new Amex Aspire credit card via a friends referral. He recommended the card which comes with an attractive welcome bonus : spending {$4000.00} in the first 3 months upon receiving the card, the customer can earn XXXX XXXX XXXX points. I traveled a lot and XXXX is one of my favorite hotels, and this welcome bonus of XXXX XXXX points is the main driver for me to choose this card among many other choices. 

At the beginning everything seems smooth. On XX/XX/XXXX I applied the card online with my friends referral code, and my application was approved promptly. There was no warning sign, non pop-up window to state I am not eligible for the welcome bonus in any way. Instead, the application web page displayed the welcome bonus during the steps of application, making me feel reassured. 

In the next two months I pooled my spending together to this new card, and meet the {$4000.00} spending line within XX/XX/XXXX. Eagerly waited for several weeks, I was disappointed to see the bonus points was not deposit into my account. And so I contacted Amex customer service by web page messaging on XX/XX/XXXX, to ask whether I am eligible for the welcome bonus and did I meet the spending threshold. I got positive answers for both questions. Please see snapshots # 1 and # 2, where the Amex agent answered Happy to check that your qualified spend is already met. And I was told I can wait for more time for the welcome bonus coming. 

However it just did not come after more waiting. I was planning for a spring travel and without the XXXX points expected to come, I need to pay out of my pocket, which is very disturbing to my financial plan. And so I checked again with Amex web page messages. Very surprisingly, this time another Amex agent told me I did NOT get approved for the welcome offer, and the previous chat on XX/XX/XXXX seems to be some miscommunication regarding the declined offer. ( snapshot # 3 ) This is blatant fraud, or false advertisement at least, not miscommunication. Consequently, I am here to ask the help from CFPB to arbitrate the issue.
Product: Debt collection

I, XXXX XXXX, contacted M.G. Credit today at XXXXXXXX XXXX and spoke with XXXX XXXX who verified that the acount was paid in full, but stated that I needed to pay an additional {$51.00} for collection fees, which is not true. XXXX XXXX verified that the account was opended in XXXX of XXXX and not not XXXX. It is reported as being opened in XXXX. The account is therefore past 7 years old and I am requesting that it is deleted from my credit report, as it is listed on all three bureaus and I am working on clearing up my credit. I appreciate your assistance in addressing this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Prepaid card

O sent a letter of dispute filling for a charge back visa chargback XXXX fraud n they keep denying it I've recently been a victim of fraud it's a charge for XXXX on XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had XXXX Rewards and XXXX Rewards Club cards for many years. They are managed by Chase bank ( Chase.com ). Over the past month Chase did not allow me to see my transactions or pay my bills over the internet. I am sure they are dong this to bill me late fees as no one in the organization can answer any of my questions as to " what is going on ''. They are blocking me from their payment site. I am not sure if they discriminate against all XXXX   seniors or just doing this to collect additional fees. I appreciate any help in resolving this issue, other wise my only actions are legal discrimination suits. In the past week I have cancelled my XXXX Rewards card and most likely do the same with XXXX card.
Product: Credit reporting or other personal consumer reports

Here 's a description of what happened without including personal information : In XXXX, I went through a XXXX from my XXXX. Since XXXX, I have been XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX, XXXX, and currently, the XXXX XXXX XXXX XXXX XXXX ) XXXX I recently discovered that an account with XXXX was opened without my knowledge or consent. I believe that my XXXX, XXXX XXXX, XXXX, or XXXX XXXX may have opened this account, along with several other credit accounts, using my personal information after our XXXX My XXXX knows my Social Security number and birthdate, but she denies any involvement in opening these accounts. I have provided documentation multiple times to substantiate my claim that I have been living and working overseas since XXXX, making it impossible for me to have opened or used this account. I have not had any utility accounts in the XXXX since XXXX. I am currently undergoing a background check for a XXXX XXXX renewal, and this account has reappeared on my credit report last month. The collection agency, XXXX, informed me that they are not licensed to collect overseas and refused to discuss the matter further since I am currently outside the XXXX as a XXXX. However, they did mention that the debt appears to be from XXXX XXXX. ( Not sure why they told me XXXX XXXX on my first call ). When I contacted XXXX, they said they had no account with me. I am requesting that this fraudulent account be removed from my credit report and that the companies involved investigate the matter thoroughly, as I have never had an account with XXXX XXXX and have been living abroad since XXXX. The last account I had XXXX years ago was with XXXX XXXX. That's the only broadband account I ever had in XXXX and it was closed in XXXX.
Product: Mortgage

My loan # is XXXX with XXXX XXXX. I was in a CARES ACT forbearance. Then once the hardship was over I requested assistance plus able to move forward with my original payment amount. I received partial Claim paperwork in the mail after XXXX months, I signed in front of a notary and sent back to the loss mitigation dept plus just sent off my XX/XX/2023 payment per the partial claim paperwork. I am now receiving collection calls and received a statement for XXXX. I have tried calling teh company on my day off today their phone systems are not working, additionally i sent an email requesting if it is just a timing issue but I am very concerned about my partial claim status, losing my house, and my credit. Please help me. I have done all that has been asked of me to ensure compliance.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2024, I've clearly requested that Experian remove XX/XX/XXXXfrom my credit report, as I don't have an account with them, it was Deleted and now it's back on my credit report again because of a fraudulent or non-existent investigation. I also requested to update my personal info by removing unlnown phone numbers and addresses and an ACTUAL name that is NOT mine as well as an investigation to remove XXXXXX/XX/XXXX because I don't recognize this company. The whole year of 2024 was spent by my disputing items and Experian not removing or Investigating. For the last 3-4 months, Experian will NOT allow me to dispute items and they have not responded.
Product: Credit reporting or other personal consumer reports

My 3 credit bureaus XXXX, XXXX, and Transunion have not been updating and are behind by several months. I keep paying for their products but not receiving what is promised. I've called several times only to be on hold for hours for agents that don't speak English and do not under the problem thoroughly. I've submitted disputes that drag on for months and come back unsuccessful. XXXX and XXXX are not current as well. This is becoming frustrating and a nuisance. Something isn't right and I am unable to receive answers or get to the bottom of it. I am requesting intermediary assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting Student Loans in my name for XXXX XXXX XXXX, XXXX XXXX, etc over {$40000.00} and {$50000.00}, that are fraudulent and do not belong to me. I have requested that the fraudulent information be removed from my credit report. 
I have had XXXX credit and this information has reduced my credit score tremendously due to fraudulent information. 
I have reported identity theft to the XXXX XXXX Police Department in XXXX XXXX, XXXX XXXX 
Report # XXXX Please remove false information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) '' through the physical verification of the original signed consumer contract '', to provide me lawful proof of verification. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to verify in order to protect my rights as a consumer. Since it has been well passed the 30 days allotted them as of XX/XX/2018 I am demanding once again that Equifax as well as the other bureaus who also are unable to lawfully verify these accounts listed below be deleted immediately.
Product: Debt collection

I sent a letter to Bounce AI in response to my recent debt validation verification I requested for. This wasn't a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that the claim was disputed and validation was requested. 

In XX/XX/2024 and XX/XX/2024 ), I respectfully requested that Bounce AI provide me with competent evidence that I have any legal obligation to pay you with ALL of the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe The amount Bounce AI paid for to purchase the tradeline from XXXX 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 ; and Provide me with your license numbers and Registered Agent. 

As a result, due to NOT providing proof that it is licensed to collect in my state, Texas, NOT providing your license numbers and Registered Agent and not showing the purchasing agreement as of today, Bounce AI have not complied with the FDCPA and are now in violation of the Act.
Product: Checking or savings account

I had opted out of receiving physical mail as I am a victim of mail fraud so I opted in for e-delivery/e-statements for all my accounts with XXXX receive statements, notices, and documents this way. I did this when XXXX was XXXX and also when XXXX took over XXXX, I did it in the beginning of 2024 and sat with the assistant manager XXXX as well to go over all the email preferences as well at that time. I have been getting e statements regular. 
When I brought this to the assistant manager XXXX that I have been getting mail with my personal information from XXXX to my mailbox she had told me otherwise about my preferences which is not true as I do get these e statements emailed to me and do you have an online account settings only set up and not to receive paper mail at all on all my settings.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : Account # XXXX ( Late Payments ) ( late payment date XXXX / XXXX ) ( late payment date XXXX / XXXX ) ( late payment date XXXX / XXXX ) It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is all the information required by Section 1637 ( b ) of Title 15.

You have 15 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Debt collection

I submitted a review XX/XX/2017 for my PSLF through FedLoan Servicing that has yet to be resolved and which no timetable for resolution has been given ( despite repeated calls and messages ) up to this day. The issue began when XXXX   student loans were automatically transferred from XXXX to FedLoan, which was not of my choosing. Despite applying for REPAYE on time ( and being approved ), I was charged a full month 's non-REPAYE amount which is completely untenable to pay back on a XXXX 's salary. I opened the review to appeal to override this $ 2000+ amount, called at least ten times regarding the matter also without conclusion. Though the monthly amount was finally changed to the correct REPAYE amount, since this time there has been a wide discrepancy in the number of PSLF qualified payments between different loan accounts. For example, loan # 6 only shows 3 qualifying payments while loan # 8 shows 14 qualifying payments ; I have not taken out new loans since XXXX began and there should be no reason for this difference. As I complete XXXX, it's essential to know where I stand in terms of PSLF progress as I chart out financially how to pay back > {$300000.00}. The fact that a review has not been completed after almost 1.5 years without any indication of when this will occur is absolutely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX XXXX, in which I did not open, is showing on the credit reports associated with my social security number inaccurately as per the following information : Account Status : The status of the account in XXXX and Equifax is open, while in XXXX, it is closed. 

Payment Status : The payment status in XXXX and Equifax is late by 60 days, while in XXXX, it is late by 90 days. 

Last Reported : The last reported date in XXXX is XX/XX/2023, while in XXXX, it is XX/XX/2023, and in Equifax, it is XX/XX/2023. 

The credit report 's inconsistencies violate Section 611 ( a ) ( 5 ) and 611 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) ( 5 ) requires that credit reporting agencies report the correct account status, which includes whether an account is open or closed. The inconsistency in the account status between XXXX and XXXX violates this section of FCRA. 

Section 611 ( a ) ( 6 ) requires that credit reporting agencies report the correct payment status of an account. The inconsistency in payment status between XXXX and XXXX violates this section of FCRA. 

The credit report 's inconsistency in the last reported date violates FCRA Section 611 ( a ) ( 2 ), which requires credit reporting agencies to report the most recent date that an account was reported to them. 

Overall, the credit report 's inconsistencies show that the credit reporting agencies have not maintained accurate and complete information as required by the FCRA.
Product: Debt collection

XXXXedars Business Services is attempting to collect a debt that I do not owe. I moved out and my roommates took over the utility bill. I was removed from the lease and the utilities and notified Cedars of such immediately upon lease termination. At this point I can only assume they are not in compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. This inaccurate debt being reported to XXXX, XXXX, and XXXX is causing me denials of credit and higher interest rates. I am requesting immediate removal from XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, Equifax has allowed these fraudulent accounts to furnish on my credit report without doing a real investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has consistently been incorrectly reporting to Experian credit bureau that I have a {$1000.00} credit limit for my Rewards Visa. This is incorrect. I have a {$2000.00} credit limit for my Rewards Visa and this incorrect reporting by XXXX has unfairly negatively impacted my credit utilization on my credit report and has significantly decreased my credit score. At times, this incorrect credit reporting by XXXX has caused it to appear that I was over the limit, which I was not and this has significantly decreased my credit score. By reporting that my credit limit is {$1000.00} when it is actually {$2000.00} credit limit, when my card reaches a balance of {$1200.00}, it is incorrectly reported on my credit report that I am over the limit which significantly decreases my credit score. I am unfairly suffering due to this incorrect credit reporting by XXXX. I have attached credit reports showing this on my Experian credit report and there is an incorrect balance showing on the attached XXXX reports. I have also attached proof that I have a {$2000.00} credit limit on my Rewards Visa. 

Also an inactive credit card account is consistently showing on my credit report as 'No Status '. this card account should report as Closed. 

I have filed disputes with the credit bureaus and attempted to resolve with GeorgiasOWN to no avail. I ask these issues are promptly and seriously addressed for this violate Fair Credit Reporting Act.