23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have asked Lending Club on various occasions to refrain from contacting me by telephone, and instead to communicate strictly in writing. Lending Club nonetheless continues to attempt to contact me by phone. Today, in the span of approx imately 15-20  minutes, I received  two  phone calls from  XXXX  different numbers and locations.  One of the p hone numbers ( from a  XXXX   XXXX  area code ) was a Lending Club number. Lending Club did not leave any message.     Lending Club has employed similar tactics in the past, and I have complained to Lending Club about its aggressive phone tactics in the past, among other things. I have also complained, in writing, to Lending Club about other issues in the past and have requested documents of them. To the best of my knowledge, Lending Club never sent me all of the documents that I have requested of them in the past.     I am requesting, once again, that Lending Club refrain from contacting me by telephone, and to cease and desist from contacting me by telephone, or attempting to so contact me, at any time, unless I expressly grant permission in writing ; and otherwise to refrain from engaging in harassing, deceptive, and/or other collection tactics.
Product: Debt collection

I have a derogatory mark of XXXX $ from XXXX XXXX XXXX XXXX. 
This was over leaving an apartment before finishing out the lease. BUT the reason I had to leave was due to a medical emergency. ( An ambulance even came to my apartment to get me ) The management at the time told me I was not obligated to finish paying the lease and that they completely understood, all was fine. 
Then the apartments were bought by a different company and next thing I know, my credit was impacted very negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I disputed an old XXXX cellular account from XXXX that I was granted a chapter XXXX discharge for on XX/XX/XXXX. It should not be showing on my credit report whatsoever statue of limitations. XXXX then responded to my dispute by re-aging the account to a much newer account for the same old original account ... so now it will be on my credit report for even longer instead of it being taken off all together like it should have been. I have disputed this incorrect information and reporting over and over with XXXX and Equifax and they will not take it off. XXXX says the updated information reaged acccount is accurate of the first delinquency date being XX/XX/XXXX? Mind you I filed, and was GRANTED a Chapter XXXX bankruptcy with my old XXXX account being included in that discharge XX/XX/XXXX. Out of nowhere XX/XX/XXXX XXXX has started negatively reporting to Equifax of this old account. Again when I disputed this once I found out, they turned around and re-aged the account to look newer then XXXX. Lastly I tried to refinance my car loan for a better interest rate ( bought my car brand new XX/XX/XXXX, not one late car payment ) and I was turned down for the refinancing and that is how I found out about this new/old negative account being reported to Equifax from XXXX. I have written a letter directly to the recovery department at XXXX and they wont help me they just say, the system says this date is accurate therefore they cant do anything.. PLEASE HELP, it is easy to see this is unlawful what XXXX has and is doing but no one will help me. I have spent years rebuilding my credit and this is now happening to me and its effecting my life more then should be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting an old collection from XXXX XXXX for the amount of {$6100.00} that I disputed the validity. But, XXXX and XXXX has deleted the account due to their inability to properly verify it and also the fact that I am not liable for the debt due to the voluntarily returning the vehicle due to it being a lemon and beyond repair by the dealer eventhough it was a brand new car when bought, but it continued to have engine issues, etc. 

If the creditor reports all the same information to all 3 major bureaus and the other bureaus were unable to substantiate the validity of the details on my credit report, then Experian should remove this account from my credit profile. 

Please see attached for a copy of a credit report that I have received from my mortgage lender showing that the XXXX XXXX account is only being reported on Experian. This debt being unfairly reported is hurting my chances of being approved for a mortgage right now and I am expected to close on the house on XX/XX/2023. 

Please help get this XXXX XXXX rightfully removed from my Experian credit profile. 

Thank you and I sincerely look forward to your response. 

Sincerely, XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

I had received multiple notices of debt collection for 2 accounts from Midland Credit Management from XX/XX/XXXX to a certified letter potentially threatening legal action on XX/XX/XXXX. In response to a debt collection letter for account # 1 sent XX/XX/XXXX and another for account # 2 on XX/XX/XXXX, I sent a letter requesting validation of both debts : one dated XX/XX/XXXX and the other XX/XX/XXXX respectively. To this day, I have never received a validation of debt response for either accounts but have received multiple requests for debt payment via letter, multiple threats of MCM considering legal action, and potentially a court order via certified letter tomorrow from MCM. To add insult onto injury, I've found multiple addresses listed both online and on written notices for where debt validation letters should be sent to by consumers. While I can verify the validation letters sent on my part were to the address listed on received debt collection notices, it is impossible to verify if those addresses both in my letters and online are accurate and checked by MCM currently.
Product: Credit card or prepaid card

I purchased XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/18 for {$2500.00}. I tried to cancel the purchase On multiple occasions, because it was not anything as they described it to be. They refused to cancel. I disputed the charges on XX/XX/18 with my Capital OneCredit Card. I sent all the information they asked for other than a second opinion on letter head. In which I tried to get but everywhere I went they were afraid they would be pulled in to court and were not willing to help other than to advise me to call the SEC & Finra. At this point Im not even sure if what XXXX XXXX XXXX is doing is leagal, as crypto is not regulated yet. ( How are you supposed to get a second opinion if they are the only ones offering this service? ) To make a long story short I finally received a letter from them stating that I would receive a refund of my {$2500.00} on XX/XX/18. I have called and faxed Capital One this information, all I have received is a run around. They stated that it could take up to 3 weeks to post to my account. Well, here I am 10 weeks later with NO REFUND.
Product: Debt collection

Under FCRA Guidelines Sequium Asset Solutions Violated My Rights according to

15 USC 1681 Section 602: Right to Privacy
15 USC 1681 Section 604A Section 2: Consomer Reporting Agencies Cannot furnish account information without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone have been applying for credit in my name at the following places -XXXX XXXX  : XXXX XXXX XXXX -factual Data : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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: Debt collection

I obtained a interest free loan with Synchrony Bank to finance the purchase of a home HVAC unit in the spring of XXXX. I received paperwork that detailed the amount due per month on a 12 month agreement. During the pandemic in XX/XX/XXXX i noticed that monthly payments were still being deducted from my bank account and I called Synchrony.They told me the 12 month period was completed and after 12 months I owed @ {$1400.00} but now they tacked on this incredible interest of {$3400.00}. They did not notify me at 12 months to settle any outstanding due but just slapped this big interest due on the account. I am XXXX years old and the Covid pandemic was very challenging. I paid the amount due but I don't think they acted fairly.
Product: Credit reporting or other personal consumer reports

I RECENTLY RAN MY CREDIT REPORTS AND NOTICED ACCOUNTS THAT WERE FRADULENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed some fraudulent items that are in violation of the Fair Credit Reporting Act that needs to be removed. I am considering arbitration or litigation if these negative accounts aren't removed from my credit report. 

Accounts to be removed : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXXXXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX I received a letter from MOHELA congratulating me for my PSLF loan forgiveness. Their letter stated my loan was paid in full. I also received payment reimbursement checks from the Federal Government for previous student loan payments. I had 179 approved eligible payments of a required 120. 

On XX/XX/XXXX I noticed a student loan on my credit report. The student loan had been removed from my credit report in XXXX. I called MOHELA on XX/XX/XXXX and was informed they made an error and my loans should not have been forgiven. They mentioned an error on their part for a miscount of months. They would not honor the letter issued and reviewed by FSA. I spent an hour and forty five minutes on that call. I then contacted the ombudsman with FSA. That was not helpful. I filed a complaint with FSA. I disputed the loan on my credit report. Now I am filing a complaint with your company. Thank you!
Product: Mortgage

I was behind on my Mortgage with Chase Bank where I was searching internet for a Company to assist me in refinancing my existing loan with my current lender CHASE to lower my payment so it will be affordable for me. I called XXXX at XXXX and spoke with Mr. XXXX XXXX and then he set up an appointment for me at their office, located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 
On XX/XX/XXXX I went to their office and met with Mr. XXXX XXXX and his Supervisor Mr , XXXX XXXX and initial talk they promised me to modify my loan to a lower rate with Chase in 90 days for me and for any reason they are unable to do so then they will issue a full refund to me. They extracted a sum of {$7000.00} from me and literally done NOTHING. 
I had my attorney called Chase and spoke with Mrs XXXX who stated that there is no record of any representation by the said company and only they received a call from Mr. XXXX XXXX at XXXX XXXX on XX/XX/XXXX advising us that Mr. XXXX XXXX need financial help which they were told by XXXX XXXX to have me to call them. There was no other correspondence or calls after that. 
I believe I am a victim of a fraud by this company. My attorney advised me that under Senate Bill 94 passed in XXXX, No one including attorneys to collect any up front money from me and any one for a loan Modification. 
XXXX XXXX, My Cell is : XXXX My address is : XXXX XXXX XXXX, XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sent a background check from the company First Advantage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Advantage received an incomplete form XXXX XXXX XXXX XXXX XXXX  ) and requested that XXXX XXXX resubmit the form in order for the screening process to occur. XXXX XXXX resubmitted the form on XX/XX/XXXXXXXX XXXX First Advantage was contacted through their chat system and advised XXXX XXXX to resubmit form that was sent to him through email. It states within the background check that XXXX XXXX was contacted but there was no response. That is false. The required documentation was submitted on the same day said information was asked for.
Product: Checking or savings account

On Friday, XX/XX/XXXX, Bank of America processed several of my bill-pay checks which were dated to be processed on Monday, XX/XX/XXXX. Bank of America processed the payments 3 days earlier than they were supposed to be processed and prior to my paycheck hitting my account to cover the bill-pay checks. In doing so, Bank of America caused me to incur overdraft fees of {$390.00}, which they deducted from my Bank of America credit card as part of overdraft protection. I called Bank of America and informed them that they cashed my bill pay checks, which were dated for XX/XX/XXXX, three days early. I informed them that I wanted the overdraft protection amount refunded back to my credit card and any overdraft charges reversed since they did not honor the date of the bill pay checks but instead cashed the checks 3 days early. Bank of America stated they wouldn't be able to honor my request. They had no explanation for why XXXX XXXX checks dated XX/XX/XXXX would be presented for payment on XX/XX/XXXX. I've used XXXX XXXX for many years and this is not how it is supposed to work.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1300.00} ; XXXXXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX. XXXX  XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$62.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Debt collection

Real Time Collection Agency were calling me last year about this debt which I was sick last year with XXXX XXXX and never made a payday loan with XXXX, so they were calling me everyday stating that they were going to go to my place of employment and serve me court papers if I do n't call them, and also calling my husband threating him because they never could talk to me, due to me having XXXX, so RS, put this on my credit report, and I have disputed this with XXXX, but it is stil on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted trans union repeatedly about the accounts and account on my credit repost in which do not belong to me and are part of identity or a mixed file of my twin sister in which we have similar names and info. 
Also have attached my identity report as well. 
This has caused me a GREAT deal of issues and needs to be addressed. 
They still have yet to remove the remaining of my complaint. I have attached the Letter which each individual inquiry which is NOT MINE to be removed.
Product: Debt collection

I included a debt of XXXX mort for XXXX on my chpt XXXX bankruptcy against pnc mortgage a few mos ago I ran out of money defaulted on chpt XXXX now am getting a collection agency call me hound me for XXXX and mail me letters I am going tgo rsume my chpt XXXX in a month I want them t stop harassing me
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. This organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me XXXX XXXX and has recently induced XXXX ideation  ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer. In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of their agency. This is because I did not provide written consent for them to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear Experian, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized identity theft inquiries are as follows : XXXXXXXX XXXX XXXX XX/XX/XXXX ( Experian ) XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX ( Experian ) XXXX XXXX XXXX XXXX  ( Experian ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2023 I applied for an airline credit card via Bank of America and was approved. The card never arrived. I called an inquired and was told it would be sent again and received an approval letter at the address requested. The card was never sent. Then they closed the account without contacting me ( finding out later they sent a request for more information to an old address they inquired about ). So they pulled my credit, approved an account/line, then closed it. They refuse to resubmit or remove their self imposed fraud designation- which was not fraud. 
They now refuse to help and told me I could reapply - thereby hard hitting my credit again over their mistakes and would now base their new decision on a less credit score because of their self imposed penalties when I did nothing wrong.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my repeated efforts to bring these inaccuracies to your attention and my consistent requests for thorough investigations, no resolution or corrective action has been taken. These errors are causing significant harm to my credit file and are severely impacting my ability to live a normal life. The consequences of these inaccuracies have caused considerable hardship, leaving me with no option but to urgently seek your help in resolving this matter. 

I respectfully request a thorough investigation into each of these disputed accounts. It is crucial that the necessary steps are taken to promptly update and correct my credit report. With your assistance, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your cooperation and support in resolving this issue would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Debt collection

I had two credit cards with XXXX. In XX/XX/2020, I mistakenly paid on my balance on both cards when I intended to pay a different bill. I contacted the creditor and requested the payment be reversed. My due date was still several weeks away. They agreed and reversed the payment. Then they immediately locked me out of my account. I contacted them and they stated that my account has been closed and they cant access any details about my case. I requested that they send me documentation. They did not. Instead, they sold my accounts to a debt collector called MHC Receivables in XX/XX/2020. They made abusive calls and then sold my account to Sherman Originator 2 weeks later. They then sold my accounts to PYOD. PYOD initially made aggressive and threatening calls and then went silent all the way until now by serving me with a court date to sue me. In my credit reports, it verifies that ALL of my accounts have been 100 % on time. I havent had one past due payment. I believe that not only was XXXX predatory in their practice, but that they may have a relationship with debt collectors to prey on consumers. The very few times I ever spoke to a collector, I stated that I would not be willing to agree to anything or confirm anything until I received written statements from them detailing what I owed and why I owed it. Considering I hadnt ever had a past due payment with XXXX and was unclear of my status with them, I wanted to be sure that what was happening wasnt a scam and was legal and accurate. No one ever complied. I only received threats and abuse. And they have even falsified their filing stating I have paid money towards this collection when I havent. I am attaching screenshots that show I have a 100 % payment history. If something was past due to the point where XXXX would charge-off my accounts, it would still show in my history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and as a result fraudulent inquiries and charges have been made on my credit card accounts and a misrepresentation of my creditworthiness is publicly displayed to lenders thus causing financial hardship and premature denial of credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX 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. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.