23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My husband and I called and spoke with several loan account specialists on XX/XX/21 before speaking with the collections department. We were not aware that our last payment for our auto loan was due before XXXX. This was because we had previously requested a deferment and those two payments were put on the back end. However, after speaking with a " XXXX '' in collections who was very rude, we scheduled a payment for XX/XX/XXXX and were told that this would not affect our credit. We provided the collections representative with all of the payment information to schedule the last payment for XX/XX/XXXX. However, today I received an alert that the account has been reported delinquent. We have been loyal customers and have always paid our loan. We are very disappointed and frustrated that XXXX would treat us this way after having paid off our entire loan with them after XX/XX/XXXX. At this point, we will NEVER do business with XXXX in the near future because if this is how they treat their customers, I would rather take my business elsewhere and to think that we were thinking about opening a checking/savings account with XXXX  has also left us thinking otherwise. I hope that this issue can be resolved and that XXXX will remove this derogatory inquiry from our credit reports. Also, nowhere in the deferment agreement does it state that the final payment will be a balloon payment. Therefore, we were unaware that we would have to make a final payment of more than {$800.00} in XXXX. Therefore, we only paid the amount that weve always paid on the loan, in which the loan payment was never late. It's not right that XXXX reported the last payment as past due to the credit report agencies. We did make the regular payment, we just weren't aware that we had to make a double payment for the last remaining payment on the loan.
Product: Debt collection

The Consumer Financial Protection Bureau ( CFPB ) today sued Acima and its former lending activities in connection with as many as XXXX XXXX consumer financing agreements. The CFPB alleges Acima used deceptive dark patterns and other tricks to trap consumers in high-cost credit agreements to finance the purchase of household goods. Acima sought to disguise many of these credit agreements as leases to evade consumer financial protection laws. Due to Acimas deception and obstruction, many consumers did not understand they were agreeing to expensive markups, exorbitant finance charges, and having few ways to escape their contracts. The CFPB is asking that the court order the defendants to forfeit the illegally obtained profits, give refunds to consumers, and halt their misconduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY INFORMATION AND RAN UP MY CREDIT. I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS LISTED DON'T BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX
Product: Checking or savings account

ISSUE - DEPOSIT MISSING. 
AMOUNT- {$5000.00}. 
DEPOSIT DATE- XX/XX/XXXX XXXX DEPOSIT REVERSE -XXXX XXXX. 
ACTION TAKEN - 6 TIMES RESEARCH DONE BY THE BANK WITH RESULT. 

WENT TO THE BANK IN PERSON AND EXPLAIN EVERYTHING, THEY ACCEPTED THE MISTAK AND DID THE RESERACH AGAIN BUT SAME RESULT NO ANSWER. 
THEY SENT MY BANK STATMENT WITH NO ANSWER.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Second Complaint Regarding Inaccurate Information on My Credit Report am writing to file a formal complaint regarding inaccurate information that continues to be reported on my Experian credit report, despite my prior attempt to resolve the issue Prior CFPB investigation number XXXX. This is my second complaint concerning this matter, and I am seeking your assistance to ensure that my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., are not being violated. The specific issue involves charge-off accounts that were included in my bankruptcy and should no longer be reported as active or charged-off. The following accounts are listed incorrectly on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were discharged in bankruptcy, and under the FCRA, they should not be reporting as charge-offs, nor should there be any negative public record or derogatory information associated with them. However, these accounts are still being reported inaccurately on my credit file, which violates FCRA 15 U.S.C. 1681b and 15 U.S.C. 1681e. To date, XXXX ( the credit reporting agency ) has failed to respond to my initial dispute, and the inaccurate information remains on my report. The failure to take corrective action within the legally required 30-day period is a violation of the FCRA, and this noncompliance is causing me significant financial distress. Given that more than 30 days have passed, I am now requesting immediate and decisive action from both Experian and the above-mentioned creditors. Specifically, I demand that : The inaccurate charge-off statuses be removed from my credit report. Accounts included in bankruptcy be properly marked as discharged, with the public record removed if applicable. Experian and the reporting creditors fully investigate and expunge any inaccuracies that remain on my report. I receive confirmation that the corrections have been made, and an updated credit report is provided to me. I am also seeking monetary relief for the financial and emotional stress caused by these violations of my rights. The continued inaccuracy of my credit report has hindered my ability to secure credit, housing, and other financial opportunities, which is deeply detrimental to my well-being. I trust that the CFPB will investigate this matter thoroughly and assist in ensuring that my consumer rights are upheld. Your prompt attention to this serious issue will be greatly appreciated. Please contact me at the information provided above if any additional documentation is required. Thank you for your assistance. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to log into my experian account and it shows a wrong tel number and wrong address in Ohio and I emailed to their support there and no replies and no way to reach them by XXXX XXXX XXXX To : XXXX XXXX Wed, XX/XX/XXXX at XXXX XXXX  Help us verify it's you Your security matters to us, so please confirm your identity first. 
We'll send a XXXX verification code to the phone number on your account. 
XXXX XXXX XXXX XXXX XXXX XXXX Prove it's you another way Enter the phone number listed above ( XXXX ) XXXX How would you like us to send you the code? 
Text Message
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Experian Certified letters on XXXX XXXX, 2017 in which they received on XXXX XXXX, 2017 according to the tracking number and notifications. Today is XXXX XXXX, 2017 and I have n't heard anything back from them regarding my credit reports and the outcome of my situation.
Product: Credit reporting or other personal consumer reports

Delete all accounts and all account information  3. Hard Inquiries I have disputed and demanded for the deletion of the following inquiries. XXXX XXXX XXXX XXXX  delete this hard inquiry I did not authorize or accept any offer - XXXX XXXX delete this hard inquiry I did not authorize or accept any offer -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - delete XXXX. Delete and remove XXXX XXXX XXXX  / aidvant - XXXX delete t 6. Delete and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete XXXX. XXXX XXXX XXXX  - delete account immediately XXXX. Nav # XXXX - delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXXXXXX XXXX XXXX XXXX  delete account immediately - XX/XX/XXXX balance missing - XXXX XXXX balance missing - XXXX. XXXX XXXX XXXXXXXX - delete account immediately - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - XXXX XXXX XXXX XXXX XXXX delete account immediately - - XX/XX/XXXX balance missing - XX/XX/XXXX balance missing - delete
Product: Debt collection

I do not know of any debt with your company. Nor have I signed an contract with your company. 

If this debt is from another company, I have no knowledge of this debt and have not been given written notice to dispute the validity of this debt and get it cleared up if this is a valid debt. 

I am requesting that this collection is removed from all three credit bureaus until we can get this resolved
Product: Credit card

This complaint addresses Goldman Sachs 's ( GS ) misleading response to my previous CFPB complaint ( # XXXX ) and their predatory actions. Their response attempts to retroactively justify their retaliatory cancellation of my 0 % APR financing agreements for XXXX products, and their forcing of my remaining balances onto high-interest credit card debt. 

The documentation clearly shows GS 's actions violated my financing agreements and consumer protection laws. On XX/XX/XXXX, XXXX improperly charged {$130.00} in interest when my ACH payment was returned. They added {$84.00} in trailing interest on XX/XX/XXXX. After I filed CFPB complaint # XXXX, XXXX reversed these interest charges on XX/XX/XXXX, but then immediately took retaliatory action by unilaterally cancelling my 0 % APR financing agreements on XXXX XXXX products. 

GS claims my XX/XX/XXXX payment of {$3800.00} plus interest credits ( {$220.00} ) was intended to pay off my remaining installment balances. This is categorically false and misleading. 

My Apple Card statements and screenshots clearly show : - XXXX XXXX XXXX ( {$1500.00} ) : Was on Payment XXXX of XXXX ( $ XXXX ), due to continue until XXXX XXXX XXXX XXXX XXXX ( {$120.00} ) : Was on Payment XXXX of XXXX ( $ XXXX ), due to continue until XX/XX/XXXXXXXX XXXX XXXX XXXX  ( {$1700.00} XXXX XXXX Was on Payment XXXX of XXXX ( $ XXXX ), due to continue until XX/XX/XXXX By unilaterally marking my installment plans as " Complete '' and rolling the remaining balances onto my credit card, XXXX has : XXXX. Violated the terms of my 0 % APR financing agreements ; XXXX. Forced me to either immediately pay the full remaining balance or be subject to their 21.24 % variable APR ; XXXX. Converted what was contractually 0 % APR financing into potential high-interest credit card debt ; XXXX. Eliminated the payment flexibility that was a key benefit of these financing agreements ; XXXX. Demonstrated clear retaliatory behavior following my legitimate CFPB complaint ; Their actions effectively transformed my 0 % APR installment loans into high-interest credit card debt without my consent or any legitimate basis. This forced conversion of zero-interest financing into XXXX  % APR debt represents a clear violation of both my financing agreements and consumer protection laws. 

These actions clearly show a pattern of misconduct following my original CFPB complaint about improper interest charges. 

I have attached all relevant documentation, including account statements and screenshots showing the installment plan status at the time of GS 's actions.
Product: Debt collection

The bureaus put a collection on my credit report what is not mine they don't show me a signed contract with my signature and they refuse to take it off my XXXX and XXXX report, and now not only that they even put a higher dept on the same account like I said is not even mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting creditor claimed debt amount is unknown and has been deemed to be potential fraud.
Product: Credit card

AMEX has allowed over {$4000.00} of charges from some company with a marketing subscription. I have XXXX advised AMEX that I did not provide my card to this company. AMEX claims that because the company has my address ( whcih anyone can look up on XXXX ) that it somehow confirms that I authorized the charges. I have repeatedly disputed the charges and will need to file a Georgia Bar Grievance against the XXXX XXXX XXXX AMEX for blindly ignoring federal law when it comes to the Fair Credit Billing Act. AMEX needs to stop discriminating against minorities.
Product: Debt collection

The CFPB closed out complaint ID XXXX. We want to know where Nationstar Mortgage got the unendorsed copy of the note that XXXX XXXX XXXX a/k/a Mr. Cooper uploaded to the CFPB web site in regards to the complaint number stated above. Nationstar apparently has an unendorsed copy of the note, as well as a fraudulently endorsed copy of the note. So, how does XXXX XXXX XXXX have both? This is fraud.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint , the National Data Breach Notification report, and a prior Validation of Debt letter.
Product: Payday loan, title loan, or personal loan

i was approved for a lonan of XXXX to pay my XXXX cell phone since i am one day behind, i was asked to sign the disclosures, download them, verify my bank account information using my login credentials and than i received this error message with this link : XXXX XXXX XXXX Than my page said securiy error possible network intrusion, than the page displayed an error message.
Product: Credit reporting or other personal consumer reports

I request that these inquiries be removed from my credit report, as it is negatively impacting my loan applications and ability to obtain credit. Please also provide any documentation related to the removal of this inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Hello, The incident happens, when I make a Payment to HSBC Mortgage services the Monthly payment of $ {$2000.00}. And during the payment I made by internet 1 ) of XXXX, 2 ) XXXX, 3 ) XXXX before the mature date of which is on the XXXX of the month thereafter when I try to make a payment of XXXX into make other payment in the system appears in their computer is on maintenances but during the payments they set XXXX charge of XXXX dollars of which I consider no justifications because is not my problem they having error in their system.
Product: Checking or savings account

I have tried to open a PNC bank account and neither would PNC or XXXX XXXX XXXX would not tell me why I could not open the account. I had one issue in the past with a credit union which was solved and reported to XXXX XXXX
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B requires us to delete any incorrect accounts from my credit report. Can you verify the documents? Some accounts are inaccurately reported, with incorrect amounts and dates.
Product: Credit card

Without fail, I've kept up with timely payments on this account, preventing any instances of overdue payments. The reasons behind reports of late payment remarks on my accounts are unclear to me. As per 15 USC 1666b - Billing Error, this should be addressed.
Product: Credit card or prepaid card

I received a free credit report on XX/XX/XXXX from XXXX, and I noticed that there were 5 delinquent accounts under my name opened by an unknown individual. Two of those delinquent accounts were with Capital One : Acct # XXXX with a balance of {$1200.00} as of XX/XX/XXXX and Acct # XXXX with a balance of {$10000.00} as of XX/XX/XXXX. 

I contacted XXXX in XX/XX/XXXX and I started the process of disputing those accounts. Consequently, I had to freeze my credit with all the Credit Bureaus. In addition, I made reports to the POLICE department in my city ( XXXX XXXX, FL ) and to the FEDERAL TRADE COMMISSION in XX/XX/XXXX. 

I found out on XX/XX/XXXX, that an impostor ( probably the same criminal who opened the delinquent accounts using my personal information ) changed my address with the DVM in FL and a driver 's license was sent to an address in XXXX, FL that doesn't belong to me in XXXX. I had to send to the Florida XXXX a DRIVER LICENSE/IDENTIFICATION CARD FRAUD INVESTIGATION REQUEST for them to fix my address on my driver 's license. On XX/XX/XXXX, I received a letter from the Florida DMV informing me that they had corrected my address to my legal and only address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

In regards with the delinquent accounts with Capital One that were opened by a criminal, I have spoken with numerous representatives since XX/XX/XXXX from their Fraud and Recovery Department to no avail. I have submitted to them numerous times via fax and emails the FTC report, the Police reports ( two of them ) and my XXXX XXXX bills from to prove I have been living at my current address for the last two years to no avail since XX/XX/XXXX. On XX/XX/XXXX, I was told by two supervisors from Capital One that their investigations in regards to the delinquent accounts opened by an impostor under my name were closed and that I was responsible for those balances on those accounts. 

I contacted the office of the Florida Attorney General XXXX XXXX recently and I received information from that office in regards to the steps I can take against Captial One to remedy this dilemma. And, that's the reason I am submitting this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DON'T RECOGNIZE THESE INQUIRES & COLLECTION ACCTS ON MY CREDIT- I NEED THESE DELETED OR REMOVED FROM MY CREDIT REPORTS ASAP!!!!!!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00}
Product: Debt collection

Notice for Proof of Claim This is a this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt. 
I demand the following accounts be verified or deleted immediately : ONLINE INFORMATION SERVICES # XXXX, ONLINE INFORMATION SERVICES # XXXX, ONLINE INFORMATION SERVICES # XXXX
Product: Debt collection

On XXXX XXXX, 2018 I sent Diversified Consultants, INC a debt validation letter by certified mail asking them to provide me with the following ...

- Agreement with your client that grants you the authority to collect on this alleged debt.

- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
- Any insurance claims been made by any creditor regarding this account. 
- Any Judgments obtained by any creditor regarding this account. 
- Name and address of alleged creditor. 
- Name on file of alleged debtor. 
- Alleged account number. 
- Address on file for alleged debtor. 
- Amount of alleged debt. 
- Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to collector. 
- Complete accounting of alleged debt. 
- Commission for debt collector if collection efforts are successful. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt they give up their rights to collect on the debt BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.

Diversified Consultants, INC has failed to validate this debt as they only sent a copy of a bill which is not validating the debt. Under the FCRA and FDCPA it requires you to verify the validity of the debt within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of invalidated debt here as the debt was not properly validated because a billing statement does not properly validate the debt and I urge you to remove this item before I am forced to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believeXX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.