23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been a Capital One credit card holder since XXXX of XXXX, and now managing 2 card accounts with the company since XXXX A now XXXX XXXX XXXX ( was an upgrade offered by Capital one for being an exceptional member ) and a Spark Business Credit card. Throughout this period, I consistently made timely payments and maintained a good standing on my accounts. However, between XX/XX/XXXX and today, I have encountered significant personal hardships. I loss my job and shortly after my mother became very ill with stage XXXX XXXX  XXXX, XXXX XXXX in XX/XX/XXXX. These life changing events severely impacted my financial situation. As a result, I was unable to make payments on my credit cards which caused me to fall more than 120 days behind on my accounts. Upon contacting Capital One to discuss my situation and seek assistance, I was informed that I was not eligible for a payment plan for my Spark Business credit card. This decision left me with no feasible options to rectify my account status and my card is now permanently restricted. When I requested a copy of the terms and conditions I had originally signed, which would include any clauses about account restrictions, Capital One was unable to provide them and also advised that I could reference the general terms on the website. I do not recall signing any agreement stating that my card would be permanently restricted if I fell more than 120 days behind on payments. This lack of transparency has been deeply concerning and has left me feeling unjustly treated. The permanent restriction of my credit card account has significantly affected my financial stability and credit score. As someone who has diligently managed their account and only fell behind due to unavoidable hardships, I find Capital One 's handling of this situation to be both unfair and detrimental. I have made several payments toward the restoration of my account to be denied the removal of the restriction. I have been told my only option is to close this account which would leave my credit in poor condition once I am back on my feet. This is very unethical and I believe they should have more empathy toward someone who has been an impeccable member to the contribution of their companies growth.
Product: Debt collection

I request twice debt validation to Aldridge Pite Haan LLP but I did not proper answer but they want to be get paid {$1100.00}. ( Attachment )
Product: Student loan

CITIBNKN/A is reporting two student loan accounts that were sold to XXXX in XX/XX/XXXX. There are two accounts listed in the amounts of {$3200.00} and {$2300.00}, I confirmed with XXXX XXXX/XXXX on XX/XX/XXXX that they did indeed acquire the loans from Citibank and that Citibank should no longer be reporting these loans on my credit. I have left several messages between XX/XX/XXXX-XX/XX/XXXX at XXXX, which is supposedly there student loan hotline, and no one has called me back. So on XX/XX/XXXX I called Citibank 's general line at XXXX it was confirmed by a representative that I have no open loans or trade lines with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing the validity of the debt XXXX XXXX with Account # XXXX says I owe them on the behalf of XXXX  XXXX XXXX XXXX. Sent me a letter stating they would be removing the debt from my report. I have not seen the debt removed and I am requesting that it is removed IMMEDIATELY!. I have attached the letter to validate and expedite the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX. And XX/XX/XXXX they still didnt have it resolved i filed a dispute with Equifax about a BANKRUPTCY that they needed to verify andsend proof to me. they failed to supply results to me in 30 days and by law it must be removed. I called and asked them to remove it according to section 611 for failing to provide proof of verification within 30 days and they refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXX against Equifax Credit Bureau. They responded to the complaint but are completely ignoring the laws in regards to consumer reporting and are violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report by any reporting agency. I did not give any agencies this consent, this includes any vendor who they got this information from. Also they have yet to provide me with a contract that has my signature where I consent to them sharing this information. I also received a request from Equifax compelling me to give out my Social Security Number which is a violation of the Privacy Act of 1974. Which means they obtained all information through identity theft. That is also a violation of 18 USC1028A aggravated identify because they used my name without my consent.15 USC 1666b clearly states a consumer credit transaction can not be listed as late for any reason. Please review 5 USC 552A in concerns to the law for reporting information on individuals. Also at least 1 agency has delete both fraudulent accounts so again they are reporting inaccurate. I demand they correct it. I have submitted several complaints against Equifax Credit Bureau for constant violations of consumer law. In response they removed 1 of the fraudulent accounts but left the other. They both were added through unlawful methods and both should be removed the same. Not only are you reporting false information you are reporting it illegally. Please provide me with a copy if the contract I singed agreeing for you to furnish this information or delete the account immediately. Also XXXX XXXXXXXX XXXX has no authority to verify this debt as they stole my identity, please provide me with the contract where I authorized them to share that information or delete the account immediately. Please provide me with all documentation in regards to my investigation or delete the account. Any and all parties who you are allegedly verifying this debt from stole my identity. You are also reporting inaccurate information such as late payments which is a billing error. The fraudulent accounts have both been deleted by another consumer reporting agency so once again they are displaying false information. If the other agency could not verify this debt how could Equifax? They also contradict themselves in their response stating that all unpaid collections will remain on the credit file for 7 years however the other collections that they removed was also unpaid and is no longer reporting. This will be my last CFPB complaint before I file a fraud complaint with the Federal Trade Commission. They said " PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE '' so here it is : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Total fraud account. 
Please review the attached five complaints which will further clarify my complaint.
Product: Debt collection

I'd recieved a call from number XXXX, there was no message left and the call disconnected before I could answer - this call came at XXXX XXXX the Monday after I'd contacted my XXXX XXXX representation. The VA 'd assured me my medical debt was cleared and I have no outstanding bills, it'd seem like the debt collector isn't doing things on the level and someone is trying to scam military vets. 
After I'd spoken with the VA Friday about HRRG sending me a letter saying that I have an outstanding medical debt, the VA representative said that the account the debt collector was referencing was paid a d closed in XXXX, but I've received letters and constant robo-calls from people threatening me with legal action. My debt was sold to HRRG was by XXXX XXXX XXXX And HRRG sent me a letter in XXXX saying my debt would be forwarded to ARS Account Resolution - another branch of HRRG. This shouldn't be possible since the VA confirmed that charity care was applied to cover that balance in XXXX. I'm asking please put an end to the calls and letters being sent since the balance was paid and I'm absolutely upset that the first Monday morning I'm called by debt collectors when just last Friday I'd had two VA reps verify that the claim was no longer open since the debt was paid. There's something strange about XXXX XXXX calling and hanging up before anyone has a chance to answer and I'm not going to call back in the event that they'll try phishing for personal information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. The list below is the account Im referring to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask the credited bureau to do a investigation to make sure every thing was accurate they said they did and every thing was accurate and I did a research of my own and found inaccurate on my report even after they said they did a investigation.In accordance with 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 XXXX XXXX. Account Number ; XXXX Account Name ; XXXX XXXX XXXX. Account Number ; XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section State ; No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

I am being harassed by a company called Rocket Mortgage. They call me around 10 times per day and I have repeatedly asked them to take me from their call list but they will not. They will call late at night ( XXXX XXXX  ) and early in the morning- sometimes around XXXXXXXX XXXX I have NOT solicited this company for any reason and have no business with them. Further, I am on the " do not call '' registry and I have blocked them but they still call. 
Something should be done to stop this type of harassment.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I submitted a lease application to lease a house with XXXX XXXX. The online screening company that the used was called XXXX XXXX. I was informed by the leasing agent that the bureau that XXXX XXXX pulls all of its data from is Trans Union. I was given a number to contact XXXX XXXX after the denial and asked for a copy of their findings and the reason for the denial. They wouldn't provide the information. I have attached a copy of the denial letter to this complaint.
Product: Payday loan

I have XXXX XXXX California. I had paid my {$500.00} payday loan in the payments they said. But of course they said all that I paid was to fees and not my loan. So I tried to stop they payments from my account. I could n't pay my rent my car or anything due XXXX XXXX cash. I tried calling them to have them give me more time. They did n't call back instead they took another payment for interest on money I had less than 14 days it was supposed to help. Instead it landed me in more debt stress and the crisis center from an XXXX. Since they took what I needed for my rent. Now they are threatening my job and harassing me. They should f be allowed to do this to people at all. I 've used pay day loans before and I pay maybe {$45.00} extra. These guys want XXXX $!!!! If I had that I would n't have needed the help. And I asked the girl that set me up. And she said no that I was even getting a discount. Horrible!!
Product: Mortgage

I complained in writing to my loan servicer, Mr. Cooper, about an issue with excessive emails and their employee 's behavior on the telephone. 

The company responded to me with a letter, but the next day, I received a large, thick envelope from Mr. Cooper with the same letter that I received the previous day, but the rest of the documents belonged to another client of Mr. Cooper, who lives on the other side of the country. The documentation included Mr. Cooper 's letter to the client, including clients ' names, address, loan number ; deed of trust ; detail transaction history ( 8 pages, 147 separate transactions ) ; welcome letter dated XX/XX/XXXX ; statement dated XX/XX/XXXX ; and escrow analysis dated XX/XX/XXXX. 

I called Mr. Cooper to tell them what they did, but it was brushed off as an error. I believe they breached confidentiality of the other client. I would not want my financial information to be sent to random strangers.
Product: Mortgage

My name is XXXX XXXX my LOAN NUMBER ARE XXXX MY Loan before wiith XXXX but they take over they wana make money forcefully doing aplly loan modification just giving me excuse shortage of escrow amount they doing everything sudden forfully ccharge me extra monthly payment threat for my credit score sending bad info to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. 

Account Name : 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 DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted my complaint to remove items from my credit report on all three XXXX, Equifax, and XXXX Credit Bureaus which have incorrect and fraudulent information on there. 

XXXX XXXX XXXX {$52000.00} XXXX XXXX  {$18000.00} XXXX XXXX {$46000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

Issuer is Synchrony Financial. 

My account was charged an outrageous late fee for a payment that was one day late. I paid for the purchases in full on XX/XX/2023 and closed the account over their automated system since it is near impossible to get a live agent. They continue to add late fees on top of their late fees. Issuer is Synchrony Financial. Balance is XXXX now for the late fees and interest on late fees.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Midland Credit Management. They sent me a debt collection statement and insisted I disclose XXXX and other personal information to file a complaint. Despite my persistence, they refused to allow me to proceed without divulging this information. 

Upon reviewing the account claimed by " XXXX XXXX XXXX 's XXXX, '' I found it was not associated with me. I demanded that Midland validate the debt, cease any collection action, notify credit reporting agencies of the erroneous debt, and refrain from further collection efforts. During my conversation with a representative from a call center in XXXX, they informed me that Midland might respond within 90 days. 

Subsequently, I conducted online research and discovered numerous complaints against both ENCORE CAPITAL GROUP INC . 
and Midland Credit Management. It is evident that these companies should be held accountable to adhere to legal standards and refrain from engaging in deceptive debt collection practices or exploiting consumer information. 

I took proactive measures by sending certified letters, accompanied by a copy of my driver 's license and a utility bill, to Midland Credit Management on XXXX and XXXX. These letters were sent after I obtained a copy of my consumer report, which revealed that they were reporting a debt in my name. In these letters, I requested verification of the debt 's authenticity and urged Midland to provide documents bearing my original signature, given my status as an identity theft victim. Despite these efforts, Midland Credit Management failed to furnish the necessary disclosures for debt verification. Meanwhile, they persisted in sending collection letters and making calls regarding a debt of which I have no knowledge.
Product: Debt collection

I am writing this complaint because it has come to my attention from XXXX XXXX that improper reporting has occurred and that I should contact Galaxy International Purchasing , LLC. Also, according to XXXX XXXX they have no rights over the alleged debt, XXXX  ( Galaxy International Purchasing , LLC ) does. I sent out a Debt Validation letter on XX/XX/XXXX, I have not received anything back from XXXX. I sent the same letter to XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only thing I have received is statements and print screen of application, which does not validate the debt. It is hard to communicate with this company as regarding XXXX and XXXX XXXX if they do not respond back as I only do written correspondence. Lastly, according to Illinois Department of Financial & Professional Regulation, Galaxy International Purchasing , LLC does NOT have a license to collect in Illinois. I got letters from XXXX XXXX dated, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating the alleged debt was sold to XXXX, I moved to Illinois in XX/XX/XXXX and I made sure that XXXX XXXX was aware of it. I also made my payment for this debt in XX/XX/XXXX when I was living in Illinois to XXXX XXXX XXXX  which settled the account to paid in full settled. Stated in a previous CFPB complaint that XXXX does not report nor does XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experians customer service department did not help remove the negative inquiries that are reporting on my credit report
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 TransUnion 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681e there is a need for the consumer reporting agencies to be accurate with their reports. The mailing addresses listed on XXXX, XXXX and Equifax are non mailable addresses and are inaccurate. Furthermore, the name ( s ) and birthdates listed are inaccurate as well.
Product: Mortgage

XXXX Mortgage XXXX issued me a predatory loan that requires me to make a balloon payment to keep my home. This balloon payment became required for me to make after several years of making a normal payment of {$1400.00}, then suddenly I am required to make this outrageous payment of at least {$81000.00} to keep my home. After a year of making payments on time, XXXX sold my mortgage to Select Portfolio Services who are operated by a group of investors who waited in hope that I will most likely not be able to make this balloon payment in order to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number CommentsUnder the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.