23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted protfolio recovery services in regards to XXXX debts that were showing on my credit report. While on the phone with portfolio r/s they told me they have " XXXX accounts on file '' XXXX of which were time-barred debts I had no knowledge of. After requesting Information on XXXX debts that were NOT time barred and may be valid, I hung up with portfolio r/s and called my wife to inform her of what I found out. I have just found out that after that conversation ; my wife called portfolio r/s and they discussed these debts with her. Portfolio r/s did not have my permission to speak with my wife in regards to debts that were not " shared '' debts. I feel portfolio was attempting to obtain acknowledgement of time-barred debts ( which I still do n't believe to be real ) in order to sue on debts I do not owe. I found this out today- XXXX XXXX, 2015 after receiving XXXX dispute letters in the mail- XXXX debts I was seeking validation on and XXXX time-barred debts I never discussed with portfolio recovery services.
Product: Bank account or service

I 'm so sick of Bank Of America.constantly sneakily stealing money from their Customers! I have well over the min Balance to waive " maintenance fees '' yet they still once in.a while.sneakily Charge me. The min balanceone should have is XXXX and I have almost XXXX. It 's ridiculous. They need to be investigated because they do this too many people knowingly! If you do n't thoroughly inspect your back statements, you may unwilling be giving your money away to them. If course back of Ameeica customer service is almost non existence as well! They give you numbers to call, mainly wrong numbers and do nothing to fix the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I noticed residences reporting that don't belong to me with all three bureau 's to combat against the improper use of my credit report I sent each bureau a letter XX/XX/2021 and as of today only XXXX  has updated and corrected my information. Please see attached identity theft affidavit and letters that were sent which did not get a response.
Product: Mortgage

Hi, I am on a CARES act COVID forbearance with my mortgage company, Shellpoint. 

Unfortunately, they are refusing to take or return my calls with regards to said forbearance. 

Their representatives do not have direct numbers, will not provide extensions, and will not provide an appointment to talk to them. They make you wait on hold and no one returns your call. 

I feel they may be doing this for nefarious reasons ( e.g. trying to prevent me from exercising my legal rights to an extended forbearance under the CARES act )
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express offers the Plan It feature, which allows the consumer to set-up an automated monthly payment for a fixed fee. I have used the feature in the past and have had 3 options for payment duration. However, this has changed, and the number of payment options has been restricted " based on purchase amount, account history, and creditworthiness. '' They advertise " up to 3 different options '' for payment. However, the automated software is pushing me to 24 month payments and not giving other options. This is tricky and dishonest because this will essentially collect the full interest rate ( 24.9 % APR ) on a purchase of {$190.00} ( plan it fee would be around {$49.00} ). If I had the option, I would set-up a 3-month payment, which was available previously. 

To be honest, this doesn't create a huge financial burden for me. But AMEX should not advertise this as a money-saving feature if they are just finding a way to trick consumers into paying the full interest rate by dragging out the payments.
Product: Debt collection

I received a letter dated XXXX XXXX from a company called Credit Service Company , Inc. claiming to be a debt collector for an outstanding balance of {$31.00} with XXXX XXXX XXXX XXXX. I thought this was strange because I had not received a statement from the XXXX XXXX XXXX XXXXXXXX directly. I called the billing department for the hospital and they said they have no record of an outstanding balance or of sending anything to collections. Furthermore, they use a different company entirely for their collections. I suspect this company may be attempting to scam us, by having us put personal financial information on their website www.cscwebview.com to supposedly pay the debt. At this time, I have visited the website, but have not included any personal financial information on it.
Product: Vehicle loan or lease

I have contacted the finance company in order to investigate concerns with the signing of my finance contract. During their investigation, they inaccurately reported a late payment for my account. Ive requested that they reverse the inaccurate payment status and pause payments until the investigation has concluded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax are in violation of 15 USC 1681 ( a ) ( 2 ) ( i ) I never gave oral or written consent to publish such information
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS NOT MINE NOT MY CC XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2600.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$16000.00} XXXX Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4900.00} Status Account charged off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
NOT MY ADDRESS XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family NOT MY NAMES XXXX XXXX XXXX XXXX XXXX NOT MY JOB XXXX CONTROLS NOT MY INQUIRIES XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Payday loan

During a financial emergency I sought a fast pay day loan online and received XXXX through a XXXX recommended partner called Speedy Cash. Tried to make on time payments and pay the loan off multiple times by online payment and contacting them by phone. The website and the employees on the phone would inform me, every single time, that my card was declining. I called my bank they said there was enough money in my account, everything looked good on their end and that the card should not be declining. I continuously acquired the enormous interest fees even though I was actively trying to make payments. My balance kept rising, and they took payments out of my account at random times but they would only take the minimum amount so I would keep acquiring large interest fees. It was a long struggle to pay them off and to get them to stop taking payments whenever they wanted. I finally gave up and opened a new bank account. This loan will now likely reflect a negative credit record. It seemed very odd to me and I have determined that it might be a scam.
Product: Money transfer, virtual currency, or money service

TRANSFERED FROM 1 CHECKING ACCT USING DEBIT CARD INTO MY COINBASE ACCT. WENT THROUGH. THEN THEY CHARGED DEBIT CARD A SECOND TIME. 
{$100.00} XX/XX/XXXX HAPPENED AGAIN ON THE XX/XX/XXXX. SAME THING. COINBASE TOOK  ANOTHER {$100.00} FROM SAME ACCT. 

HAD TO SEVER LINK BETWEEN. 

CALLED BANK. THEY ARE DISPUTING IT FOR ME. 

THANK YOU.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Debt collection

I am writing to formally dispute the negative impact on my credit report and any related issues stemming from the confiscation of my XXXX XXXX by the Secret Service in XXXX. ( I do not have my account # but my ssn # is XXXX ) In XXXX, my vehicle, a XXXX XXXX XXXX was confiscated by the Secret Service while it was being driven by my cousin, XXXX XXXX XXXX Unbeknownst to me, he was under investigation for committing illegal acts. I had no knowledge of his involvement in any criminal activities and had allowed him to use my vehicle in good faith. 

When my vehicle was confiscated, all my important documents, including the vehicle registration, were inside. Despite multiple attempts to retrieve my vehicle and obtain documentation regarding its seizure, I have not received any official communication from the Secret Service. However, it has been confirmed through my visits to their office that they do indeed have my vehicle. 

This situation has unfairly impacted my credit, causing significant financial distress. I was not involved in any wrongdoing, and the consequences have been unjustly reflected on my credit report. 

Legal Basis for Dispute : XXXX. Due Process : The U.S. Supreme Court in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), established that individuals are entitled to notice and an opportunity to be heard before their property is seized. The Secret Services failure to provide me with official notification or documentation regarding the seizure of my vehicle potentially violates these due process rights. 
XXXX. Accuracy of Credit Reporting : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit reporting agencies are required to ensure the accuracy of information in credit reports and must investigate disputes regarding inaccuracies. The negative items on my credit report resulting from this incident are inaccurate and should be corrected. 
XXXX. Government Liability for Seizures : The Supreme Court in United States XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ), affirmed that procedural due process is required for property seizures by the government. This case underscores the need for proper procedures, which may not have been followed in the seizure of my vehicle. 

I am requesting the following actions : XXXX. Immediate removal of any negative items related to this incident from my credit report. 
XXXX. A thorough review of the circumstances leading to the confiscation of my vehicle and the subsequent impact on my credit. 
XXXX. Assistance in obtaining any necessary documentation from the Secret Service or related agencies that may assist in rectifying this situation. 

Although I do not have access to my vehicle registration or other documents that were in the car at the time of confiscation, I am providing any other information I have that may help to clarify this situation. 

I trust that this matter will be addressed promptly and that my credit report will be corrected to reflect the true nature of the situation. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Checking or savings account

I am rejecting this response because : they open my investigation on Sunday XX/XX/XXXX & denied my claim in XXXX hrs. Next I provided a police report stating my phone & debit card was stolen. They decided to not investigate & denied my claim in XXXX hrs. I just ask for a fair full length investigation. So I can get my money back without having to go to arbitration Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with the Identity Theft Gov concerning these accounts. I have emailed and sent Letters/ Called EQUIFAX XXXX XXXX XXXX And XXXX regarding these accounts and can not get the help removing them ...
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for a auto loan through XXXX XXXX of XXXX. On XX/XX/XXXX after taking possession of the car I realized that the dealer lied on documents saying I only made half of what I actually make monthly. They stated that i have a monthly income of XXXX dollars monthly when I in fact make choose to XXXX dollars a month. Santander XXXX XXXX is who agreed to finance the loan. With a APR of 24.07 % at 75 months for a XXXX XXXX XXXX XXXX with a sticker price of XXXX, I'll have paid an additional {$24000.00} for this car over the life of the loan. More than 2 times the actual value or asking price. I contacted Santander on XX/XX/XXXX to use what my options were as far as a cooling off period to possibly return the car without a penalty to my credit. At that time they claimed to have 0 record of me, my account or my vehicle. Santander just recently settled for some odd XXXX XXXX dollars for providing predatory auto loans so this seems to be a common practice of theirs
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent inquiry is reporting via Equifax XXXX XX/XX/2020 by XXXX  / XXXX ). The inquiry is the result of identity theft. Disputes, including a law enforcement report, have been sent to Equifax on XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020, XX/XX/2020 and XX/XX/2020. As a credit report ordered on my behalf today, the fraudulent inquiry continues to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and Truth In Lending. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I also stated each law you violated on my consumer report inside my letters also. Compensate me for each violation that has been committed under 15 USC 1681n and 15 USC 1681o. Invoice will be attached!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter sent to : XXXX XXXX XXXX To Whom It May Concern : I checked my credit reports for accuracy as I am in the process of being pre-qualified for my very first mortgage through the First Time XXXX XXXX XXXX and I saw two incorrectly trade lines for an account from XXXX for XXXX XXXX , both in the amount of {$380.00}. The account status says past due and it should not say that as this debt is not owed. I am requesting both a validation and " verification '' as well as the signed HIPAA release my signature as the item being reported to XXXX by XXXX is a VIOLATION of the HIPAA Act of XXXX. 

XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by Quest providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX as well as XXXX XXXX should this item not be deleted within t10 business days and until the debt has been validated and verified. XXXX is in direct violation of HIPAA regulations, and they are facing fines up to {$1000.00}, even possible jail time. I am seeking a legal remedy immediately as I have contacted Legal Services to obtain an attorney for free to file suit against XXXX, XXXX XXXX, and all 3 credit bureaus : XXXX, XXXX and Transunion. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from XXXX expeditiously as I have no idea where this debt is coming from and I do not owe this company any money. 

Additionally, I can prove that at the time of service, I was both unemployed and homeless. I completed the financial assistance forms, which should have taken care of any costs associated with my medical care.
Product: Credit reporting or other personal consumer reports

602 right to privacy 15usc 1681 section 604 A section 2 consumer reporting agency can not furnish account without written instructions.

15 usc 1666b a creditor may not treat a payment under credit card as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts are reporting on my credit report that is incorrect : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to formally address an issue regarding your employee, XXXX XXXX, from Comenity Bank at XXXX, extension XXXX, who has violated my request not to be contacted at my place of employment. On XX/XX/year>, XXXX XXXX left a message on my direct line asking me to return her call. However, on XX/XX/year>, she proceeded to seek out and leave a detailed message on the phone line of another employee at my workplace who has no relationship to me. This line is unrelated to any of my contact information, including any phone numbers I provided in my credit application. 

The message XXXX XXXX left was detailed and inappropriate, as anyone could have called back and pretended to be me to gather sensitive information. I find this unprofessional and deeply concerning. It has caused unnecessary humiliation and distress, as it has now exposed my private financial matters to others at my place of employment. 

I request that any future communications in writing to my home address or via email, so I may address any debts accordingly. 

I appreciate your prompt attention to this matter and expect full compliance with the law moving forward.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Unauthorized Inquiries on My Credit Report Dear XXXX : To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries listed on my credit report. Upon careful review, I found multiple entries that are erroneous and were made without my consent. These inquiries are not only inaccurate but also detrimental to my credit.

I want to emphasize that I have not applied for credit with these companies, nor have I authorized them to access my credit file. This breach of my privacy is unacceptable, and it violates my rights under the Fair Credit Reporting Act ( FCRA ). 
I demand that you immediately investigate these unauthorized inquiries and remove them from my credit report. I expect a thorough investigation and a prompt resolution to this matter, as it is crucial for maintaining my credit integrity. 
Enclosed, you will find a copy of my credit report that highlights the unauthorized inquiries, along with any other relevant documentation to support my claim. 
Please acknowledge receipt of this letter and inform me of the outcome of your investigation within the timeframe stipulated by the FCRA. I appreciate your immediate attention to this serious matter. 
Thank you. 
Sincerely, XXXX XXXX
Product: Debt collection

ASTA FUNDING AND XXXX FAILED TO ADHERE TO THE BANKRUPTCY NOTICE, AND WAS RE-INSERTED BACK ONTO MY XXXX CREDIT REPORT. 
THE S.O.L. HAD EXPIRED AND THE CALLS TO MY CELL STOP CALLING. ( 11 CALLS OVER 3 YEARS. 

THEY HAVE VIOLATED F.C.R.A., F.D.C.P.A., T.C.P.A. S.O.L. ETC. 

MORE IMPORTANTLY VIOLATED THE DODD-FRANCK ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This a formal compliant against TransUnion regarding inaccuracy on my credit file. On XX/XX/XXXX, I discovered that XXXX XXXX account number XXXX XXXX is still being displayed on my credit report which is inaccurate. This account was disputed by me to be removed/deleted permanently from my credit file due to several proven inaccuracies. I contacted XXXX XXXX as well regarding this matter and I was informed that an " account deletion '' was mailed to all three credit bureaus. Please delete this item immediately. This account was deleted between XX/XX/XXXX and XX/XX/XXXX by XXXX which I have proof. I know that CRAs does not share credit information with one another and that it 's FCRA law that the furnishers update these agencies with the accurate and updated information. However, this is NOT the case because XXXX XXXX complied to the FCRA Law when they notified TransUnion in writing for this account to be deleted from my credit file. I 'm requesting that you follow suit with XXXX by DELETING/REMOVING this account from my credit file.