23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found a debt on my credit report that was placed in collections that I didn't recognize. I called the company after finding their phone number online and asked what the debt was for. Genesis Collections told me it was for an apartment or room rental somewhere in Texas, which I've never been to. He read off the email, home address, and phone number on file from the company XXXX XXXX XXXX that the debt was from and none of it was my information. They requested that I file an FTC report and have a notarized copy sent to them along with a police report and proof of identification and residence. I have just sent them the police report and proofs of residence and ID. The amount of debt is for {$280.00} and they said it definitely sounds like identity theft to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. XXXX should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acct # XXXX Subject : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute and request correction of inaccurate information on my credit report. The account details in question are as follows : Creditor Name : Creditor 's XXXX XXXX XXXX XXXX XXXXXXXX Current Status : Closed Under the provisions of the Fair Credit Reporting Act ( 15 USC 1681 ), I am asserting my rights regarding this matter. Specifically, I refer to the following sections : Section 602 ( 15 USC 1681a-2 ), which guarantees my right to privacy and control over the dissemination of my credit information. Section 1666b of 15 USCS, which states that a creditor may not treat a late payment on a credit card account under an open-end consumer credit plan as late for any purpose. Despite the closure of this account, it continues to be reported as late. This is inaccurate and misleading, as no late payments occurred after the account was closed. I request that XXXX XXXX investigate this matter promptly and remove the inaccurate late payment information from my credit report. Please provide me with a written confirmation of the correction once it has been made. Enclosed with this letter are copies of relevant documents supporting my dispute, including proof of the account closure and any other pertinent information. Thank you for your attention to this matter. Please inform me of the steps being taken to resolve this issue within the timeframe prescribed by law.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against EXPERIAN for inaccurately reporting late payments on my credit report. This is a direct violation of 15 U.S. Code 1666, which mandates that all information on a consumer report must be 100 % accurate, verifiable, and complete. Additionally, the credit bureaus ' failure to adhere to the Metro 2 guidelines further constitutes noncompliance. 

XXXX. Inaccurate Reporting : - The credit report dated XX/XX/year> from [ EXPERIAN ] contains inaccurate late payment entries for the account ( XXXX ) under the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These entries are incorrect as I have never been late on these payments.

2. Violation of 15 U.S. Code 1666 : - Under 15 U.S. Code 1666, the credit bureaus are required to ensure that all reported information is accurate, verifiable, and complete. The inaccurate reporting of late payments violates this statutory requirement.

3. Noncompliance with Metro 2 Standards : - The reporting of these late payments does not comply with the Metro 2 standards for credit reporting. Accurate and standardized reporting is crucial for the integrity of consumer credit information.
Product: Credit reporting or other personal consumer reports

I RECEIVED MY ANNUAL REPORT AND I AM EXTREMELY UPSET DUE TO IDENTITY THEFT .THERE ARE ALSO NUMBER OF THINGS REPORTING INCORRECTLY ON MY CREDIT REPORT SUCH AS LATE PAYMENTS. THIS IS BEING REPORTED IN ERROR AND AFTER COUNTLESS CONVERSATIONS WITH THE CREDITOR, I HAVE DECIDED TO FILE A COMPLAINT. ACCOUNT IN QUESTION : XXXX XXXX XXXX XXXX XXXX OPERATION. THIS ACCOUNT IS SHOWING 1 LATE PAYMENT ON MY CAR PAYMENT THAT XXXX COMPLETELY INCORRECT AND I WAS TOLD THIS WOULD BE CORRECTED I HAVE MADE NOTHING BUT ONTIME PAYMENTS SINCE HAVING THIS ACCOUNT .I ALSO HAVE INACCURATE ADDRESSES THAT I REPORTED TO ALL THREE CREDIT REPORTING AGENCIES ( BELOW ) THESE ADDRESSES ARE INCORRECT AND WHERE REPORTED AS A RESULT OF IDENTITY THEFT. PLEASE REMOVE THEM!! INCORRECT Addresses : XXXX. XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX AL, XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX AL, XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX AL, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX AL, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans are paid off but is still showing a balance on my credit report which is making it hard to get a mortgage loan
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered
Product: Credit card

I have a Discover credit card and have been a member since XXXX. With the exception of a few late internet payments, I have been a responsible customer with them. I had the false impression that my interest rate was approximately 15 %. Yet, when I looked at my current statement, the rate was 26.99 %. This prompted me to do a review of my Discover credit statements dating all the way back to XXXX when my rate was 13.99 %. In XXXX XXXX, I did not make a payment and that increased my rate to 18.99 %. In XXXX XXXX, I then paid off my balance of {$330.00} to show good faith. In XXXX XXXX, my rate was increased to 23.99 % without any reason other than that my interest rate was variable. In XXXX XXXX, my rate was increased to 28.99 % without any notifiable reason. In XXXX XXXX, Discover then reported that my rate should have been 26.99 % and they adjusted it accordingly. Since XXXX XXXX, I have unknowingly been paying 26.99 % interest on my credit card balances. I realize that I should take responsibility for not being diligent enough with tracking my credit card interest rates. However, a review of my account with Discover will show almost fifteen years of being a responsible customer. The penalty for a few missed payments is rather steep. It seems that I would need a professional accountant to truly calculate the total cost of lost money over the past five years.
Product: Debt collection

Looking through my identity theft report I saw a collection from XXXX XXXX XXXX that has a balance of {$130.00} owed & has been reported incorrect on my credit report since XXXX XXXX. This has been negatively reporting gravely affecting my credit worthiness. I have never done business with this alleged company and was not properly verified with me the consumer that this debt was real. This account was not notified that it was going to be added to my credit report and Transunion didn't properly investigate this debt before attaching this false debt onto my credit report. This company purchased my personal information which is a violation of 15USC6801b ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Transunion violated 15USC1681 ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Both Transunion and company XXXX XXXX XXXX  violated 15USC1692e creating false and misleading misrepresentations.
Product: Credit reporting or other personal consumer reports

These inquiries need to go. They were initiated without my awareness or consent by the company.
Product: Credit card

Sezzle Charged my account for some subscription that I never ever authorized. I noticed it was taken without my authorization since the month of XXXXXXXX XXXX 

I have called them and they canceled but REFUSE TO REFUND MY MONEY. 
Sezzle XXXX {$12.00} Paid Placed : XX/XX/year> Sezzle XXXX  {$12.00} Paid Placed : XX/XX/year> Sezzle XXXX {$12.00} Paid Placed : XX/XX/year> Placed : XX/XX/year> Sezzle XXXX {$9.00} Paid Placed : XX/XX/year> TOTAL = {$48.00} This is the amount I asked to be refunded to my account but they refused. I had not authorized this. I want them to refund my money immediately to my account. 


I spoke with a representative called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Last four of account number is XXXX. This account has so much incorrect information on it and it is hurting my credit score. First the payment status on XXXX shows 30 days past due but the other two show that it's charged off. The high credit on Equifax shows XXXX but the other two show XXXX. The date last active is different on all three. Equifax shows XXXX, XXXX shows XXXX and XXXX shows XXXX.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C. 1666B, creditors must promptly correct billing errors, which include any charges that a consumer has not agreed to in writing or any other unauthorized charges. Since this account was closed, no new charges should have been reported, and therefore, no late payment should be applicable.

Additionally, 15 U.S.C. 1637A outlines the rights of consumers to have accurate information reported about their credit. This section mandates that creditors provide accurate and complete information to credit reporting agencies. Reporting a late payment on a closed account is a clear violation of this statute. 

Enclosed are copies of my records showing the account was closed and the payment history at the time of closure. I request that the inaccurate information be corrected as soon as possible and that a corrected credit report be sent to me at the above address. 

Please investigate this matter and update my credit report to reflect the accurate status of the account. Thank you for your prompt attention to this matter. 

OnXX/XX/XXXX has reported to XXXX that they've closed a credit line with your account. 

Source : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : Credit Line Closed by Credit Grantor Balance Date : XX/XX/year> Balance : {$550.00} But then they report it late with a higher balance XXXXXX/XX/XXXX has flagged your account as 30 Days Past Due on XX/XX/year>. 

Source : XXXX Company : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/year> Balance : {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX {$2100.00}
Product: Bank account or service

This is a XXXX complaint about attempting to redeem a certificate of deposit at Capital One. I no longer live in the Capital One footprint. My XXXX phone call I was told that they would mark my account and it would be autoredeemed. When I checked, on the maturity date, I was told that there were no notes on the account and the I would need to talk to the certificate department but I would have to call back in XXXX minutes as they are n't open. I called back and was informed that I would have to talk to the branch. I called the branch today XXXX call XXXX to redeem a CD ) and I was told that I would have to have a letter notarized and mail it to the branch. This is not an acceptable. I want the CD redeemed. I offered to fax my license to XXXX the branch. She refused. She then stated I had the " option '' of faxing the notarized letter to the branch. I again refused. How can Capital One, an international bank, not have a process in place to address customers outside of their footprint. It appears that they are holding my money hostage until I happen to travel back to the XXXX area. This is totally unacceptable.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX CREDIT COLL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXXXXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX   in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Student loan

I attended XXXX XXXX XXXX XXXX, TX in XXXX and graduated in XXXX. When I went to look at the school I was promised that I was going to graduate with a job and that never happen. I never ever had the opportunity to work on what I study because every job would require experience in the field. I went back to the school and spoke to them about them finding the promised job and they never did. Here I am in XXXX and still paying off the loan for a fraudulent school that never help me get a job. As of now I still owe XXXX and I have been struggling to pay a loan on a school that was fraudulent and school was closed. Navient is not willing to help me and refuses to provide me with the application.
Product: Debt collection

We recently added land line service to our home. We got a phone number, roughly 3 months ago. Apparently, the previous owner of the phone number, who we do not know or have any idea who they are, owes de bt. One particu lar agency calls everyday. Both myself and my husband have returned the call to tell them we only just got the number. And no idea who they are trying to reach. They say they will remove number but continue to call.   They leave message to call  XXXX  right away, but caller ID shows number as  XXXX  and unknown name.
Product: Mortgage

NOTICE OF DISPUTE OF VALIDITY OF DEBT PHH Mortgage Services XXXX XXXX XXXX Mr. XXXX, NJ XXXX XXXX XXXX, Relationship Manager XXXX RE : Loan # PHH MORTGAGE SERVICES CORPORATION C/O REGISTERED AGENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Ocwen Loan Servicing, LLC C/O Corporate Services Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX Consumer Protection Finance Bureau Washington, DC All : I dispute the debt. 
1. PHH mailed me a letter on XX/XX/XXXX from XXXX XXXX. XXXX XXXX has never spoken with me, replied to any of my emails, answered any contact from PHH professionals, fairly and properly considered my request for mortgage assistance or timely done so by the Fair Debt Collection Practices Act or the Equal Credit Sportily Act. I recieved the XX/XX/XXXX letter XX/XX/XXXX. 
2. Ocwen, the predecessor to PHH, promised me if I submitted a full mortgage assistance application in XX/XX/XXXX, that the mortgage amounts would be refigured for up to 24 months. 
3. Neither Ocwen or PHH have executed on the representations made by Ocwen that I have informed them of fore more than 90 days. 
4. Federal law required a Mortgage Holder to abate, forestall, and delay any foreclosure proceedings when an application for mortgage assistance is under review. 
5. On XX/XX/XXXX, PHH sent a letter to me that it would take 10-15 days to process the request that it has had since XX/XX/XXXX. By federal law, if I disagree with eh assessment, I can appeal the ruling, and by a copy of this letter to the Consumer Protection Finance Bureau,  I do so. 
6. Contrary to the PHH XX/XX/XXXX letter, PHH denied my rights to get a final ruling and authorized an attorney to procced with foreclosure at least 2 days before, when XXXX XXXX    XXXX sent me a letter on XX/XX/XXXX. 
7. The XXXX law firm outlined a deceptive, false, misleading letter calculated to frighten and discourage resolution in the XX/XX/XXXX letter that the amount of the debt of {$250.00}, XXXX. The letter doesn't speak to or actually outline the payments due to bring the account current. 
8.On XX/XX/XXXX, I received a XX/XX/XXXX letter from XXXX law firm. That letter outlined that I can pay the entire amount owed by OCGA  13-1-11 without paying attorney fees. The letter again is deficient and deceptive in that it doesn't indicate the amount owed to PHH as delinquent principal and interest. 

For these reasons, I dispute the debt and challenge the validity of the foreclosure.
Product: Student loan

I have over the course of the past 16 years disputed the three loans they state where given to this institution under my name. I asked them that they provide some kind of documentation with my signature on it where I indeed signed to attend this institution. 

I was sent a document containing my actual signature. However, it was to an actual institution I in fact was at the time and did attend. I called and explained this to them. And stated this institution ( XXXX XXXX XXXX ) I never disputed attending. It was in fact another institution ( XXXX  XXXX XXXX ) that I disputed attending. They then provided me with an enrollment document as was the same kind they provided me with from the school I actually did attend. Although, there was NO handwritten signature on the document. It was in fact typed in. 

So, I then requested an investigation for this be done. Finally, a few months ago they agreed. They asked me to provide multiple documents. Which I provided what they had requested of me. After approximately 30 or so days, they responded that they have obtained an actual document with my signature on it proving I did attend that institution. I demanded to see it. They said they could not show it to me. 

I informed them that anything that they have in their procession that contains my signature, I have a right to have a copy of or see it. They told me they would not be supplying me with the document. I reminded them they had no problem with providing me the signed document from the institution I actually did attend which was handwritten and signed by me. Although, they can't by law provide me the same document they say they received from the other school! Why? 

They then said I have to contact the university itself to request an investigation through them. This is not right. They are the ones that gave the loan freely. Now prove to me what document you state you have in your possession that gave you the legal right to provide these loans!
Product: Credit card

I've consistently maintained the promptness of payments on this account, preventing any instances of overdue payments. I'm unsure of the reasons behind the reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be addressed.
Product: Credit card or prepaid card

When I contacted CitiBank on XX/XX/XXXX for their promotion, I was informed that I would have 0 % APR for 12 months and 0 % APR for balance transfers for 21 months. However, I check my account and reached out to CitiBank today ( XX/XX/XXXX ) and was instructed that I didnt receive the 0 % APR for purchases and it only applied to balance transfers. If you go to their website you will find that the CitiBank Simplicity card offers 0 % APR for purchases and balance transfers. I applied over the phone the on XX/XX/XXXX and was informed I would have both and I have spoken with another customer service representative and was instructed that I had until XX/XX/XXXX. When I called today XXXX stated I didnt have it and their was no one else to assist me and no calls could be pulled. XXXX call reference # XXXX would not allow me to speak with a supervisor and/or manger and stated no would could help me. Also, XXXX reference # XXXX informed me that he was unable to find my promotion and no one else could assist me with finding it. I was informed more than once that I had 0 % XXXX by a representative and no one will help me pull the call to hear what I signed up for. Could someone please HELP me or make sure that they stop misleading information? I should have never done my application over the phone and I have learned a valuable lesson. Thank you! XXXX XXXX!