23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I sent out the dispute letters to all 3 major bureaus on XX/XX/XXXX. They have incorrect info and have shared my information without my written consent. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 a. I have the right to privacy 15 U.S.C 1681 section 604 a. section 2 states consumer reporting agency can not furnish an account w/o my written consent/instructions. ( I have given no such consent/instructions ) 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency can 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 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) also 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 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 I believe this information is inaccurate because the dates etc., each bureau is showing are different. I have attached copies of the following documents to support my dispute : A copy of highlighted errors/differences A copy of my ID and social security card 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 I believe this information is inaccurate because the dates, etc. each bureau is showing are different. And according to 15 USC 1681 ( a ) ( 2 ) : ALL LATE PAYMENTS ARE ILLEGAL TO BE REPORTED ON MY REPORT!! I demand that ALL LATE PAYMENT TRANSACTIONS BE REMOVED FROM MY CONSUMER REPORT. According to the consumer protection law, consumer reporting agencies must correct or delete inaccurate, incomplete, unauthorized or unverifiable information. Inaccurate, incomplete, or unverifiable information must be corrected or removed. I have requested the following documents regarding these ACCOUNTS : *Pay off disclosure * Interest rate disclosure *Balance history *Payment history *Credit insurance *Original contract
Product: Debt collection

I set up payment and payment declined. They call claim he 's a lawyer saying he 's gon na prosecute me and hold on my licence it 's a payday loan from 6 years ago
Product: Credit card

I have paid my bills on time and have a good relationship with my creditors. However, my new JCPenny Credit Card issued by Synchrony Bank lowered my available credit by 33 % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

3. Unauthorized Hard Inquiries ( FCRA Violations ) I have reviewed my credit report and found multiple hard inquiries that I did not authorize. According to FCRA regulations, if an inquiry was not explicitly authorized by me, it must be removed immediately.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/2023 I reviewed my TransUnion credit report and noticed an account that did not belong to me. I began by contacting TransUnion by phone with their fraud department to alert them of this incorrect information and that my social security number was compromised during a data breach. They proceeded with telling me i had to submit a letter and FTC report. I went on the FTC website and filed my fraud report. I sent my letter and this FTC report to TransUnion on XX/XX/2023. Following my letter the fraudulent account was not removed and all they told me it was verified, but they did not supply any type of proof to support this claim. I called the creditor directly and they do not have my address or correct name so how is it that this account belong to me. I do not recognize it and it does not relate to any transactions i have made or authorized. Accourding to the FCRA laws : Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ). FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts. FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting. XXXX is violating all of these laws and they should be held accountable for their inaccurate reporting!
Product: Payday loan, title loan, or personal loan

This company keeps emailing for payday loans that I have never applied for and have given my information to several other affiliates. I am getting spam calls and emails constantly from these vendors.
Product: Credit card or prepaid card

I am getting 8-12 calls from the company per day, including them masking their number and not leaving any messages. It starts at XXXX XXXX XXXX XXXX and goes until XXXX XXXX XXXX. I know they're trying to collect payment from me for a {$30.00} balance still left on the card. I intend on paying it off and canceling the card as soon I get the money.
Product: Credit card or prepaid card

XX/XX/2020, American Express Credit Card Company closed all my 5 credit cards ( 3 biz card + 2 personal card ) suddenly without any inquiry or conversation with me. The reason for closing my account is not being used for intended purpose. I called them multiple times to figure out what is not being used for intended purpose. They never gave me a clear answer. 

My personal guess is because that I carried high balance ( over XXXX ) at that moment as my business do have a temporary need for credit at that moment. They may have a concern that I have trouble to pay the balance down. 

But in reality, I managed my business very well and I could and would pay the balance down as I have done in the past 15 years. By XX/XX/2020, as arranged, I paid all the balance off, XXXX balance was left. There are no balance left in my account anymore. 

These payments have been well planned and arranged before I use those credit cards. 
I made these payments in time, which not only proved that my commitment is not speculated, but true ; also proved I am the loyal, caring, disciplined customer as I have been in the past 15 years. 

Then I called American Express Credit Card Company to see whether they can help me reinstate my credit card. The customer service department saw a restriction which they don't know how to remove those cards. They failed to help me reinstate my cards. 

Now the COVID-19 crisis is still going on, my business could help my family, and help maintain several jobs at this extremely difficult time. The shut down of my american express credit cards disrupted my business a lot. This action is not only to hurt a loyal customer ( 15 years good history ) with some decision made with insufficient information, also hurt all the peoples who are involved in my business, the vendor, the ligistics and so on. 

I don't think anyone will benefit from this wrong decision, including American Express Credit Card Company. 

The wrong doing should be corrected, and the justice should be maintained.
Product: Mortgage

I made extra principal payments on my mortgage and my loan servicer did not apply them to principal and just pocketed the money. My loan was in the bi-weekly payment program since XXXX of XXXX. In reviewing the payment history I received from Ocwen Loan Servicing, it was determined that the XXXX XXXX, XXXX and the XXXX XXXX, XXXX payments were not applied totally to principal per the terms of the bi-weekly payment program. 
In researching my loans payment history, it was also determined that the XXXX XXXX, XXXX payment was not applied totally to principal per the terms of the bi-weekly payment program. 
In addition, when the loan was assumed by OCWEN, an additional {$1300.00} was added to the principal balance. This amount was equal to the bi-weekly payment amount, and OCWEN has never explained why they increased the loan balance by the amount of the bi-weekly payment. 

I calculate that Ocwen owes me {$3600.00} based on the calculation belowXXXX : payment of : XXXX applied to principal : XXXX applied to escrow : XXXX balance due : XXXX payment added toprincipal balance : XXXX : payment of : XXXX applied to principal : XXXX applied to escrow : XXXX balance due : XXXX : payment of : XXXX applied to principal : XXXX applied to escrow : XXXX balance due : XXXXPrincipal reduction after properly applying paymentsto principal balance XXXXOcwen indicated that the final loan balance at the time of payoff was {$340000.00}. This does not match a standard loan amortization schedule with all the additional principal payments properly applied which indicates a final loan balance of {$340000.00}. Which results in a difference of {$3600.00}, which confirms the above. All additional principal payments made can be documented through either loan or bank statements.
Product: Credit card or prepaid card

Back in XXXX, I messaged Chase regarding being matched to an offer of spending {$25000.00} and receiving 30,000 bonus points on my Chase XXXX XXXX XXXX card ( as long as I hit the spending before XX/XX/XXXX ). I received written confirmation at the time that this offer was attached to my account. I again messaged Chase on XX/XX/XXXX to confirm the offer, and again received a written confirmation ( see attached below ). 

Based on this information, I went ahead and spent more than {$25000.00} on the account. Today, XX/XX/XXXX, I was told that I was not in fact eligible for this promotion and that there was nothing I could do about it. 

I would not have spent {$25000.00} on this card had I not thought that I was enrolled for this offer ( which had been twice confirmed in writing to me ).
Product: Debt collection

XX/XX/2012 I wrote a check to XXXX for a water heater, the water heater did not fit, so I returned it to XXXX. They told me I would have to wait two weeks for check to clear before they could refund me. They did n't have a water heater that would fit my closet and I did not have an additional XXXX dollars to just buy one elsewhere and wait for a refund, so I explained to the manager that I would leave the water heater there and stop payment on the check. She wrote me a receipt for item received and I went on my way. 
Then recently I check my credit report and seen a collection for XXXX to trident management so I contacted them and was informed that it was for a stop payment on a check to XXXX. I explained what happened and only relief I was offered was a settlement. I disputed through XXXX and was told it 's a valid debt. This is NOT a valid debt, they have the item I returned and then turned the stop payment check over for collections. Which I would think is some sort of fraud to collect payment on goods they have in possesston.
Product: Credit reporting

I have requested my free credit report from all XXXX credit bureaus. I have received the reports from XXXX and XXXX. Equifax has not submitted my credit report after XXXX requests made via mail. I have submitted valid documentation to Equifax which includes XXXX form, Social Security card, driver 's license and a copy of my utility bill. I have mailed requests to Equifax XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. As of this date, I still have not received my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX : {$1600.00} XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is to express my deep frustration and concern to follow up regarding the ongoing presence of late closed and charged off accounts despite our repeated attempts to rectify this issue. 

I urge you to conduct a thorough review of our procedures and systems to identify any systemic weaknesses or gaps that may be contributing to the persistence of these adverse records. It is essential that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Additionally, I encourage you to prioritize customer communication and support throughout this process, providing clear guidance and assistance to those who have been impacted by these adverse records. Transparent and timely communication regarding the steps being taken to address their concerns is crucial in restoring trust and confidence in our organization. With this, I am asking for your assistance to remove these accounts in my credit file : 1. DEPTEDXXXX XXXXXXXX  Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 
2. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
3. DEPTEDXXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 
4. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 
5. DEPTEDXXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 
6. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 
7. XXXX XXXX XXXX Balance Owed : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. 
8. XXXX XXXX Balance Owed : {$200.00} - The payment history and the status of this account is inaccurate. This account should not be late pursuant to CARES Act. Thoroughly investigate and delete with lawful accuracy.
Product: Credit reporting or other personal consumer reports

EXPERIAN BUSINESS CREDIT Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX Business on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

I am a victim of identify theft and this has impacted my credit score.
Product: Consumer Loan

Entire Problem : I was pre-approved for a loan with XXXX/Avant credit on XXXX/XXXX/2015. When I was pre-approved I was given a list of reasons why the terms I was given and a credit score disclosure. At the time the date of the credit bureau pull was XX/XX/2015. My credit score was XXXX. The company provided me loan documents and loan disclosures to move forward with the loan. However I wanted to review. I phoned into Avant on several occasions after XXXX and was told that the approval was good for 7 days. I just had to finish the documentation and sign the documents to receive funds. I was traveling and was not able to complete the application instantly. I went to sign on XXXX, and was still able to complete the process but my computer froze. I tried later that day and was then given a denial notice with the same information that I was approved for. The denial notice was the same as the Credit Bureau Disclosure Notice for Terms. I phoned in to the call center at Avant and spoke with a rude representative XXXX. I explained the situation and she was very rude and was not willing to assist in a solution. I asked to speak with her manager several times and she told me her manager would not be able to help and tell me the same thing. I continued to ask to speak with a manager and she denied me several times until I was transferred to XXXX. XXXX was not very pleasant to speak and I ended up having to speak with XXXX the Section Manager. I explained my concerns and he told me he could not assist me that the compliance department would respond and they are only reachable by email. I explained that your company mislead me and that the reasons for denial were false and not accurate. You once approved my loan with the same information you were denying me on.
Product: Debt collection

I received a surprise notice of debt collection from Credit Collection Services indicating I had an uncollected debt owed for {$71.00}. 

There was no detail beyond that this company was collecting the debt on behalf of XXXX. As a patient I have an account with XXXX indicating I had no obligation due. 

I never received any bill from any provider regarding this charge. I called XXXX and they confirm there was a billing error. As evidence I am attaching the bill which indicates an address that does not exist. The company combined the street of my temporary address and the city of my permanent address. This is the exact reason why I did not receive the medical bill. In the attachment you will see the red circle is a completely incorrect address. 

Upon realization of this error I immediately paid and XXXX admitted its mistake. However the bill was already sent to the debt collection agency. 

Up until this point I have not received a validation notice and therefore there should be no reporting of the already satisfied in full debt to any and all credit reporting companies. The evidence of payment is also attached. 

I spent an hour trying to speak to someone as the agency and was left on hold. I provided all proof to all parties indicating the satisfied debt that I was completely unaware of.
Product: Debt collection

On the XX/XX/XXXX I received a letter from NCAC ( debt collection ) agency regarding the outstanding debt of {$2500.00}. 

On the XX/XX/XXXX I emailed the representative to advise this amount is disputed between their client and myself due to multiple issues and provided an unanswered letter to their client. 

The NCAC representative said they spoke to their client and have made the " final decision '' that I am still liable for {$2500.00} ( without providing a statement or validation of debt prior ) and will have my credit rating negatively affected if this payment is not made. 

The outstanding debt is in dispute due to violations made by the XXXX XXXX and myself. They made several changes that affected my stay in the apartment and caused damages to my property. NCAC is not a court of law to make decisions on disputes between two parties.
Product: Debt collection

Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & PORTFOLIO RECOV ASSOC Debt under penalty of perjury.

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.