23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a review of my credit reports and there were collections reporting from credit bureau stating I owe a debt through collections. I have been flagged in my reports as identity theft and believe that I've been a victim once again. I have sent out validation letter to these collection agencies that state I owe them for a debt. I received a letter response from Resurgent Capital Services stating that I owe them {$2600.00} with XXXX digit account number. Original creditor name XXXXXXXX XXXX XXXX XXXX  XXXX, current owner which is not the original creditor but another collection agency named LVNV Funding LLC providing a reference number #, balance owe and account holder name stating me. The letter received does not have my current address and a date of XXXX. This account summary report made up a date for XX/XX/XXXX being prepared by Resurgent Capital Services on behalf of another collection agency LVNV and states it is not from the original creditor. Borrower information my name and address current information listing the owner of the account not the original owner date of last payment XXXX of XXXX, XXXX, Historical information listing the original creditor and address of named creditor the original date was XXXX charge off date XXXX and amount. The account acquired on XXXX for the balance mentioned above but does not give this agency permission to collect on a debt nor has my signature giving the original creditor authorization to collect on a debt you assume i owe. There are no signatures required by me stating this is my debt or giving you the right to collect a debt assumed is what I owe. There is a clause on the statement that the current owner LVNV ( can not sue for this debt and can not report to XXXX XXXX XXXX ) but there are reports from this agency who states they are the owners on my credit report so who gives Resurgent the right to say I owe this date to this agency when it is bought for pennies from this agency who has no rights to the debt that you say I owe. This information obtained for me is inaccurate and needs to be deleted from my file. I have identity theft affidavits in my file and this account you say I owe you is inaccurate and does not belong to me. I know my rights under fair credit reporting act, also FDCPA, and FCRA and collection agency uses there own fair gain to try and manipulate consumers to pay unfair debts. This debt you say I owe is not validated properly and therefore, needs to be removed.
Product: Credit card or prepaid card

I contacted a moving company about performing a move to Texas. I gave them permission to charge my card for {$75.00}. I noticed later in the day the charge was for {$1200.00}. I spoke to a XXXX who said they were sorry and that the funds would be returned. Several events happened and the movers did not show up to do the move. The movers did not perform a service did not obtain authorization to charge my card for {$1200.00} and I did NOT sign any documents with the moving company. It is clearly a case of fraud yet Chase has charged the funds back to my account.
Product: Credit reporting or other personal consumer reports

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested XXXX  months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB customer care With XXXX XXXX credit card account number XXXX, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested XXXX XXXX during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by grantor '' and also kindly remove worst payment status remark as well on EQUIFAX, XXXX AND XXXX XXXX reports as well late payments reported in EQUIFAX, XXXX AND XXXX CREDIT reports associated with XXXX XXXX card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation.
Product: Mortgage

Ive ask Wells Fargo to take XXXX every two weeks out of my pay check. They always get the first payment correct then 2 weeks later they only withdraw XXXX. This is not what I asked for 2 months in a row. Both times the said they would fix problems.
Product: Credit card

I signed up for Marriot Bonvoy Rewards credit card with a sign on bonus of XXXX points if I spent XXXX dollars in 3 months. I spent close to XXXX by the dead line. My dead line date ( I called several times to confirm ) was XX/XX/2024. I was told by their customer team that I was eligible for the sign on bonus I just needed to wait until XX/XX/XXXX to get them applied to my account. I called today to find out why they weren't applied and was told I was ineligible because I didn't meet the spending requirement. 

Attached is my activity for this card.
Product: Debt collection

ARS Account Resolution Services has reported a collection account to my credit file in the amount of {$69.00} to my XXXX credit file. ARS Account Resolution Services has never sent me a notice of collection to notify me of any alleged debt. Therefore, attempting to collect and report this debt to the credit bureaus is a violation of the FDCPA. This debt is not valid thus ARS Account Resolution Services has no legal right to report this to my credit and attempt to collect a debt. I never authorized any debt in the amount that XXXX XXXX is reporting. By reporting a debt to my credit without validation ARS Account Resolution Services is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I don't recognize these names and addresses, please remove them. Thank you. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the ongoing challenges I have faced while attempting to correct late open accounts on my credit report. Despite multiple attempts, the issues persist, impacting my credit score and causing significant distress. 

I have made repeated efforts to rectify this situation through your dispute resolution process, yet the corrections have not been implemented successfully. 

Here is a summary of the actions I have taken to address this matter : I have submitted disputes through your online platform, providing detailed information about the late open accounts, along with supporting documentation. 

I contacted your customer support hotline to inquire about the status of my disputes. However, the information provided has been inconsistent, and the issue remains unresolved. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to support my case and clarify the inaccuracies. 

Despite these efforts, the late open accounts continue to negatively impact my credit report. This situation is not only frustrating but also raises concerns about the accuracy and reliability of the information maintained by Credit Bureaus. As a consumer, I rely on accurate credit reporting to make important financial decisions, and the persistent errors on my report hinder my ability to do so. 

I kindly request a thorough investigation into the late open accounts listed on my credit report and a swift resolution to correct these inaccuracies. Additionally, I seek clarification on the specific steps taken during the investigation process and a detailed explanation for the continued presence of these errors. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my hope that Credit Bureaus will take immediate action to rectify this matter and provide a clear and transparent resolution. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$50000.00}.
Product: Debt collection

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  # XXXX ( fraudulent and currently in dispute ) ; XXXX : # XXXX XXXX XXXX XXXX  XXXX  : # XXXX ; XXXX XXXX : Charged off as bad debt/Profit and loss write-off yet sold my information to a collection agency that is currently suing me.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX from XXXX XXXX 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 a account without my written instructions.

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

On XX/XX/XXXX I signed a mortgage jointly with my father. At no time was it stated that I would be a co-signer and not a joint owner. In fact I was even listed first on the mortgage. The title company client acknowledgment stated " the undersigned, hereby acknowledge the following ; that they are the true and lawful owners in fee of the following '' which I and my father signed. Later come tax time I discovered I am not on the property deed, just the mortgage. Since I am not on the property deed I am also not on the home owners insurance paid through escrow. 
I thought this was a simple error and contacted first the title company, XXXX. They told me via email on XX/XX/XXXX : Your lender does not require all borrowers be on title and you would not automatically be added as a borrower. I do not see a deed was requested from your lender. If you are interested in being on title you will need to reach out to a local title company or a real estate attorney to executed a quit claim deed adding you to title. We do not provide services outside of a transaction. Sorry we could not assist. 

I then contacted Quicken Loans. At first there seemed to be some concern until it went further up the chain. I had told them that now that my father has a new girlfriend and has discovered what has happen he was not willing to put on the deed with a quit claim deed. He now has a house I am legally binding to pay for. XX/XX/XXXX XXXX, XXXX I talk with a Specialist at Quicken Loans who said there was nothing they could do for me and suggested I get a attorney and a title company. 

I had done this mortgage rather than continue to pay him as a way of protecting myself if anything were to happen to my father. I had trusted Quicken Loans to be honest and upfront. With regards to truth in lending and taking the legal route with a mortgage I thought I was protecting myself and my investment. As it stands now I could pay on a mortgage for years and it could go to someone else. I would not have signed a mortgage if this was the case.Where was the truth in lending?
Product: Debt collection

XXXX forgave a debt that was a mistake that went to collections. 

( XXXX ) XXXX-XXXX XXXX XXXX is the name of the agency. I called them & said progressive forgave expunged erased the debt. That company already had 1/2 of the debt erased. 

But they would not allow me to discuss the debt saying they could not verify who I am.

I gave them about 5 addresses I have had. They still would not verify my identity, they claimed. I said I have a XXXX XXXX report of every address since XX/XX/1985 I had & I was willing to read it to them ... but they basically said we can't verify it's you. I think it's strange. 

XXXX says they lost the policy and some CSRs look for it but some say just pay. 

XXXX initially said that the debt was expunged. The collection agency was polite but it was like talking to the gestapo anyway by saying I am not me.
Product: Credit reporting or other personal consumer reports

SBA - US Treasury Account Transunion and XXXXinaccurate reporting of disaster loan from payment history, account opened and closed ; Terms and balance.

The inconsistencies and inaccurate reporting have affected my credit, and have been dismissive of previous requests for erroneous reporting. Nor did I receive a 1099c for tax purposes of cancellation of debt, which I was responsible for submitting to the IRS ; I never received one.
Product: Credit card or prepaid card

{$2900.00}  XXXX   XXXX ,    2017  What I am not understanding is why Citi Bank is saying that the  Merchant  is stating that they will provide service and that was not my complaint. Also the merchant and their representative  XXXX  have told me several times that they would give back the monies however that CitiBank needed to process it.     This identical issue has happened with another person with the same resort and all monies have been refunded because the credit card company actually listened to the case in it 's totality and spoke with the merchant and they both agreed that monies would be returned and they were..
Product: Debt collection

I never had a contractual relationship with I C SYSTEM. I believe the original creditor, XXXX XXXX XXXX XXXX, sold my account without providing proper notification. This is a clear violation of FCRA 611 regarding the reporting of inaccurate information on my credit report.
Product: Student loan

My application for school misconduct was denied on XX/XX/XXXX and I had requested a chance to appeal but have not recieved a response from navient about whether I can or not. XXXX XXXX XXXX XXXX were found to have engaged in misconduct by the Department of Education and I experienced this misconduct when I enrolled at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to request an opportunity to reapply.
Product: Money transfer, virtual currency, or money service

I am writing about zelle past policies with handling when money was was sent to wrong people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to have my name and address corrected on my credit report. My name is XXXX XXXX. 
XXXX XXXX. my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing information that is incorrectly listed on my credit profile with all three major credit bureaus. 

The account is listed as XXXX Balance : {$4500.00} Balance Updated : XX/XX/22 Credit Limit : {$4500.00} This information is inaccurate as the credit limit is {$5000.00}. I have taken screenshots from the mobile app as well as the portal showing this to be correct which means that this must be reflected on my credit reports immediately. 

I have attached the screenshots as well as a copy of my ID for verification.
Product: Checking or savings account

I opened a Business account with Bank of America yesterday XX/XX/23 in person. I asked the bank advisor if my account I had years ago would affect my account ability and he advised me no. Made a purchase for my company using the business debit card. Today ( XX/XX/23 ) I tried logging in to make a purchase for my business again. I couldnt log in due to my account being locked. I called the customer service line and was transferred to the review team. They advised me that my account was in good standing but the company within itself decided to close my account with no reasoning. I mean if they were going to do that they shouldnt have let me open it in the first place. I asked what was the reason. The lady advised me that in the contract that I signed that either party could close account without any reasoning. Its not like I personally was able to read the contract cause in person the bank advisor does everything for you. I dont want to try every bank to have a business account, they allow me, then they decide to close it without any warning. I mean thats how my clients pay me
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts showing on my credit report that do not belong to me. I need them removed as it's affecting my credit and it's not even my fault.
Product: Credit reporting or other personal consumer reports

equifax, XXXXXXXX XXXX  are reporting fraudulent accounts on my credit reports attached FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone is using my identity to get goods or services there are addresses on my credit file that do not belong to me. I do not live there nor do I have anything to do with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0. 

THE XXXX  XXXX XXXX XXXX {$0.00} ;
Product: Student loan

I have been in forbearance with Discover XXXX XXXX since XXXX of XXXX, because I was struggling to find a job post-graduation. I was enrolled in their XXXX XXXX XXXX, and ended enrollment in XXXX of XXXX. I was then put on a month-to-month forbearance program, where I would have to call each month to get an extension. I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the beginning of XXXX I received notice from my credit company that there were default of payment 's sent to the credit bureau. I have been in forbearance the entire time and was not required to be making payments, per the rules of Discover 's forbearance program. When I reached out to Discover to understand why they reported to the bureau, they stated they " have no idea and it is not our problem to fix. '' They did offer a consolation prize for their mistake, and they put me on a new XXXX forbearance program, which I am currently still enrolled in. I am writing this complaint, as Discover has been extremely aggressive and threatful to me during this entire process, and at times have even yelled at me that they will " take everything I own or my co-signer owns. '' I have been nothing but terrified of Discover and it caused me to experience major anxiety and panic during every phone call I had with them. 
At the beginning of this month my loan was sold to XXXX XXXX. In speaking with them, they are continuing the forbearance period for my loans. They also stated that the treatment I got from Discover is unprofessional, unjust, and unfair, and it was Discover 's responsibility to remove it from my credit since I was in a lawful forbearance program and it was Discover 's error. Discover is just refusing to do so. XXXX advised me to reach out to a manager at Discover, and when I reached out they stated it was " not our problem we sold your loan to a different company. '' I then called XXXX and let them know the unlawful treatment I received yet again, and they adviced me to reach out to CFPB and submit a complaint. 
This is causing unnecessary stress for not only myself, but my grandmother who cosigned for me. This has gravely impacted my grandmother 's credit score, as she is going through XXXX treatment, and her cards are now being declined. I am in need of assistance in trying to remove the default notices on both mine and my co-signers credit report. I do not understand how a loan company can get away with such maltreatment of their customers, and I am very hopeful someone can help from CFPB. I would appreciate if this could be done promptly, due to the financial impact it is having on my grandmother during her medical treatment.