23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I spoke with the collection agency person named XXXX XXXX and she was completely abusive and unwilling to work with me on anything. Told me she pulled my credit report and she proceeded to tell me that I was current with all other payments, which I was not. When I asked if I could make a payment arrangement she said, " You have NO money! How do you want to make a payment arrangement?! '' Told me to " borrow money from your mom ''. I repeatedly asked her if I was able to make a payment arrangement and she gave me no choice but to pay the amount in full. I told her I could not do that and she responded with " I 'll just send this back to the company saying you are refusing to pay this! '' Which I was not. I repeated multiple times that I was not refusing to pay it. When I told her that I could set up a payment arrangement she laughed at the amount I gave her that I was willing to pay. She then hung up on me. I sincerely hope that the call was recorded because she was completely inappropriate and unwilling to make any arrangement. I hope this is not how the company conducts their business.
Product: Credit card or prepaid card

I applied for. Credit card and they claim after I spend {$3000.00} I will get {$300.00} credit. I spend that amount and lost my credit card and didnt get it till a month later. They claim when they were issuing my card time was running and that desk expired.
Product: Payday loan

The lender Cashnet USA explained that the payments based on my credit line would be {$95.00} per week. The first 2 payments were {$95.00} then increased to over {$230.00} per month. I tried to contact them to discuss but was on hold for over 2 hours. Also request a call back. I received a call back in 10 minutes ans was put into an automatic voice recording and on hold for another hour
Product: Vehicle loan or lease

On XX/XX/22 I recovered my vehicle from XXXXXXXX XXXX XXXX Paid ( {$2800.00} ) to get out the lot. Even after the fees I paid {$370.00} was charged for an uncut key, XXXX $ for mileage fees when there is a XXXX in XXXX, was added to my loan when I asked them to add it to my unpaid car payment for that month
Product: Credit reporting or other personal consumer reports

I am unaware of this debt. I didn't have an opportunity to dispute this information. I didn't receive proper notification or verification before it was added to my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), XXXX are required to send consumers a written notice within five days of their initial communication, providing information about the debt, including the amount owed and the name of the original creditor. As of my knowledge, I have not received any such notification regarding the debt in question. If in fact you believe you gave me proper notification then please provide the certified receipt with my name and signature on it as well as Documentation proving that I was properly notified of the debt in accordance with the FDCPA, including copies of any letters or notices sent to me.
Product: Credit reporting or other personal consumer reports

There are XXXX inquiries on my report that I do not recognize. XXXX from XXXX  XXXX and XXXX from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. 
CHAPTER XXXX BANKRUPTCY : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Product: Credit card

Synchrony Bank recently started charging a monthly {$1.00} paper statement fee. My JCPenney account is only used to carry a life insurance/accident recurring charge I have on the account. The amount doesn't change so I didn't realize Synchrony started charging the extra {$1.00} per month back in XX/XX/year>. I received a late charge on my account for 2 months since this {$1.00} started showing up but I didn't know, because I pay the same amount every month through my normal checking account. I called Synchrony and they did waive XXXX late charge and only 3 months of the {$1.00} paper statement fee as long as I signed up for paperless statements. I also requested that they correct the negative credit reporting on the account. 

I don't want to have paperless statements with Synchrony Bank. I have a recurring charge that is normally the same amount every month. I don't want to have to create an online account at another website to receive paperless statements. I don't think the {$1.00} paper statement fee should be allowed. Half of the cost of mailing the monthly statement to me includes all the junk advertising included with the statement that I've never asked for. I believe this charge should be removed from customers responsibility and is an excessive fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REPORTED TO HONDA FINANCIAL THAT MY CAR PAYMENT HISTORY WAS NOT REPORTING TO MY CREDIT FILE. I'VE JUST RECENTLY PAID THE CAR OFF BUT IT'S STILL NOT SHOWING AND I NEED THIS ACCOUNT TO SHOW PAID AS AGREED AND NEVER LATE BECAUSE I WANT TO PURCHASE A HOME SOON AND I UNDERSTAND THAT THIS WILL HELP ME ALOT HAVING A PAID CAR LOAN REPORTING TO MY FILE. I'M ATTACHING A COPY OF THE LETTER HONDA JUST SENT ME SHOWING PROOF.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent you several request to remove this error from your records as other credit reporting agencies have. Supposedly you sold XXXX XXXX erroneous information about me and an unverified bankruptcy. I have spoken with the courts who have responded with no record being reported to me! I know they haven't provide your company with the information. I further looked at XXXX records and it reported case number as invalid. I received the case number from XXXX XXXX who states you provided with with the data. I have also learned that you will claim your company is not a credit reporting agency but a third party data collection company. I really don't care which one you claim to be I do know legally public records are not formatted to meet CGGR standards or defined as a consumer report under FCRA. I learned that from a company called XXXX when they too had to remove this information from their records. I have provided you with their response to a CFPB complaint filed against them on XX/XX/2022. They responded and removed the inaccurate information on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of FCRA inaccurate reporting. XXXX had not reported my on time payment history as they put it due to a system change at their company since XX/XX/XXXX .Another violation thats over 5 months of no reporting. Then to constantly mess up and report I had missed or late payments. I am beyond fed up with these people. I have contacted XXXX a total of 10 times to have them remove late payments that were never late every few days they are reporting to the credit bureau either I got a new loan or a late payment. I spoke with over 6 different representatives. I have emails and control numbers that it was being removed and today XX/XX/XXXX they report again a late payment. They have reported a total Of 6 late payments my credit score has been impacted each time because of this I went from a XXXX credit score to a XXXX because of XXXX I am frustrated and Im tired of spending countless hours each week on the phone with their representatives. It is not fair to me as a consumer and I will be consulting a attorney. This has happened every week since XX/XX/XXXX.
Product: Debt collection

Switched companies and the new company XXXX had a buyout program. All forms was submitted and received to ( Diversified Consultant ) XXXX that is claiming i owe a debt. It is not my debt. I dont owe any money to this company. I have disputed this numerous times and it keeps coming back up. I still have documents pertaining to the buyout in which i believe was year 2017.
Product: Payday loan, title loan, personal loan, or advance loan

They are charging numerous cards I had used with them in the past on loans that have been paid off, they tried to debit my bank card 3 times this week on a loan that had already been paid off. They have been a complete nightmare. They told me they are having system errors. Most of the reps just cop an attitude with me. They are stealing from me. They just aren't doing anything about it.
Product: Credit card or prepaid card

I'm writing to you according to my Discover bank card that was opened on XXXX XXXX, 2020. I was never notified about that account. Someone used my personal information for opening credit lines by my name. I filed police report number XXXX on XX/XX/2020.I could not contact cfpb because I did not know about its existence and that they can help me here.
Product: Debt collection

I have a water bill on my credit that I already paid and was send to a collection agency without my knowledge. I get calls night and day from collection agency with treated, judgement and repossession of my belonging. I am very XXXX with all this treated, I get XXXX kids at home and scare that someone will come to my house when I am at work and just take everything without my knowledge.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Debt collection

My name is XXXX XXXX. I have received two calls from a company called XXXX XXXX XXXX XXXXXXXX, the most recent was today, XX/XX/XXXX. They explained that I was part of a lawsuit and that they were calling to arbitrate the account on behalf of Capital one. Today after I told them for the 2nd time to stop calling me and to take me off their list they contacted a family member so I called them back. They claim they were hired by Capital One to Arbitrate a delinquent account. They had all my personal information, Full name, SSN, DOB, home address, Employer name. They threatened to call my employer when I told them they were wrong and that they were a phishing scam. The replied that they weren't which is why they had all my information. 

They provided me the last 4 numbers of an account I've never had ending XXXX XXXX, opened XX/XX/XXXX- last paid XX/XX/XXXX. The told me the last payment I made was {$180.00}. They said I received letters from Capital one informing me that the account was delinquent, and that they were hired to arbitrate before Capital One would take further legal action. They said they were looking for 2 years of compensation. They told me that I had this account set up on auto pay from a XXXX XXXX XXXX  account that most likely expired. 

The information they were providing was accurate except I didn't have a capital one account from XXXX - XXXX. 

They had a significant amount of information on me. It's very concerning that they are harassing me, calling my family, and worst threatening to contact my employer. 

The telephone number was XXXX. 

I have reached out directly to Capital one with no response. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I never went to college, but I have XXXX opened accounts, from the same loan company, but different amounts of what's owed. The consumer reporting agencies need to report all information with complete accuracy. This account is not mine. Ive attached a copy of my report to this complaint on the following dates XX/XX/07 for each one. I'm now requesting you investigate and provide verifiable proof with records showing that I had these loans. If this information can not be verified. I demand these loans be updated and removed immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

I opened a credit card in XX/XX/XXXX. The card was active and in good standing until XX/XX/XXXX. I tried to use the card on XX/XX/XXXX, and was told by the place of business that the card was deactivated. I contacted the credit card company the next day and was told the card was deactivated without reason. All information of this card was immediately deleted from my credit reports which caused my credit score to decline. I sent a letter to the company requesting a reason for the closure/deactivation and have received no response.
Product: Debt collection

DEAR ACA OF XXXX ; Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting or other personal consumer reports

You have denied me for no reason. All reporting agencies have been notified and their response & or complaints are public record and can be viewed by using the information attached. I also contacted them via phone immediately after the denials and was told that EVERYTHING on this report across all bueros is correct and they have or will be updating information if necessary. When I tried to show proof of the errors or decision mistakes I was told " reconsidering is not an option '' " try again in 30 days- 6 months '' " it's a final decision and the results are automated '' " there is no department that can double check '' " the reason is the reason ''. I have proof of everything proving " the reason why '' list to be inaccurate BUT yet I can't even show it to anyone in this company because AI clearly rules it. That is illegal & unjust! I am a PRIME credit candidate and take my time, word, and finances very serious. Denying me without validated factual reason is deformation and a criminal act. I will file Suit if a reconsideration based off the attached report ( most up to date at the time of my application ) is not used in the decision process.
Product: Credit reporting or other personal consumer reports

Initial complaint was filed on XX/XX/year> Complaint # XXXX All XXXX credit bureaus are still reporting an incorrect balance after submitting paper work from XXXX and hasn't updated the new balance. The credit bureaus are reporting 3 times what I is owed when my total balance is only {$55000.00}. My next step is legal action as the investigation has been well over 30 days and has drastically impaired my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX This company opened an account without my consent, I have not had any negotiations with them, I have disputed this 3 times with TransUnion but without any results and it is affecting my credit report, I request the deletion of this account that is not mine and I have not given authorization either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I filed for chapter XXXX bankruptcy- all creditors were notified including TD Bank N/A- prior to filing bankruptcy all my accounts were current- I stopped making payments in XX/XX/2017, my complaint is TD Bank - charged my credit card- even thou they were noticed by the court that i was under Bankruptcy protection once I filed. Now its shows on my credit report that I have a charge off.
Product: Mortgage

This is regarding COVID-19 I contacted Caliber Mortgage online and filled out their form for help during this time because of issues regarding Covid-19. They sent me a letter that seemed to want to deter me from this process. Threatening an increase in interest : " Please note : If you request a Loan Modification at the end of your Forbearance Plan, in some cases interest rates will increase " And worse yet should I not make my payments for the 3 month period as the Federal Government has made a provision for the 3 months plus XXXX ( so 4 months ) will be due on XX/XX/XXXX and then I will be in default and get foreclosed. 

This is not a benefit to consumers that are short money NOW and that money will not be created out of thin air in 3 months given that the government will not let us go to work! 

The government has told our tenants that we can't foreclose on them so when this is over they will just not have the money to pay us all the accrued rent that's past due and will be evicted and that money will never be seen again. 

I need a REAL SOLUTION. I need these payments put on the back of my mortgage without threatening me for higher interest rates. 

The Federal and my State government doesn't seem interested in ending this SHUT DOWN of AMERICA so we can't even work and earn a living. Caliber thinks that somehow, someday when we are allowed to leave our homes and get back to work that our pockets will fill up with past due income? IT WILL NOT. 

tHEY SHOULD BE OFFERING 6 MONTHS NOT THREE AND THIS SHOULD BE PUT ON THE BACK OF MY LOAN NOW. I LOSE ENOUGH SLEEP OVER THIS MESS I DID NOT CAUSE. I CAN'T EVEN SLEEP AT NIGHT AND THEN I GET THIS THREAT LETTER FROM CALIBER - AND I'VE NEVER MISSED A PAYMENT! 

" All suspended payments will be due on XX/XX/2020. '' " The total amount of payments temporarily suspended by this Forbearance Plan are immediately due and payable at the end of the Forbearance Plan. '' This is not a good deal. I'll lose my house because of the government locking me in my house. I TAKE CARE OF MY MOTHER WHO HAS XXXX AND NEEDS 24/7 CARE AND I CAN'T RISK BEING EXPOSED TO COVID-19. I DON'T WANT TO LOSE MY HOME OVER THIS PANDEMIC.
Product: Checking or savings account

Bank of America employees opened an account in my name while I already had a savings account with them. I also closed an account back in 2008. They opened an fraudulent identity theft account the same time I opened an account and ran the account up in ways that are impossible. 
They negative the account at XXXX I closed all my accounts with them and they began sending me this fraudulent statement in the mail. I contacted 3 executives who confirmed it was closed. 3 months later I began receiving the same fraudulent statement again for the same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello how are you today somebody opened an account in my name with XXXX XXXX XXXX  back in XXXX that I have been trying to dispute for years explaining to them and the credit bureaus but it keeps coming ing back verified cause. All my information was used I had lost my wallet or someone else stole it. Well it was was charged off but I keep telling them it's not my debt I never open with them I have been informed that this account was removed for my XXXX credit report because I had disputed this account back on XX/XX/XXXX and it was removed XX/XX/XXXX for the company they sold it to. The name is XXXX XXXX XXXX so I have reached out to XXXX XXXX today spoke to an agent over the phone he told me that this has been settled and removed almost XXXX  years ago and would request for there partners XXXX  to to be deleted from my report he also sent me an know obligation letter out this is just XXXX  unbelievable I'm so frustrated in stressed out because of this XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I know I should just keep that part to myself sorry but that's how I felt I'm glad I didn't though but yeah like I was saying it's still being reported on experian and XXXX XXXX but has been removed on XXXX I need help they say in this world the truth will set you free well hear it is I feel like they just keep it on there cause it was once verified but that's not fair cause it's not mines I did not open that account every account I if they would just reach out to XXXX XXXX  they would know Then when I call XXXX XXXX in spoke to them over the phone yesterday they say they have nothing to do with this account they even sent me letters but why it's not mine I just need help thank you again .....
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a DUPLICATE complaint and this not being filed by a Credit Repair company or a 3rd Party. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX XXXXXXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX  Account # XXXX