23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collection agency is calling my parents and my ex 's mother and they are harassing them daily then they stop for a few weeks and start calling again.
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO EQUIFAX, XXXX, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

No accurate reporting in EQUIFAX : 1. The following personal information is incorrect Incorrect Personal information : XXXX XXXX XXXX XXXX. Under XXXX XXXX XXXX Billing Error XXXX XXXX XXXX XXXX Account Number : XXXX No accurate reporting in XXXX XXXX 1. The following personal information is incorrect Incorrect Personal information : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 4. Under 15 USC 1666 Billing Error XXXX XXXX XXXX XXXX Account Number : XXXX No accurate reporting in XXXX XXXX 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 3. Under 15 USC 1666 Billing Error XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

We had requested Mills Escrow Company to transfer XXXX XXXX accounts to a new servicing company XXXX XXXX on XX/XX/2018. 

We sent out a check certified mail to close out the accounts and it was received by Mills Escrow via the notification of the certified mail. Mills has stated that they could not find the check. Since they had not closed out the accounts I have asked them to take the close out fees from the lender income. 

Yet we are still waiting for them to be closed out.
Product: Credit reporting or other personal consumer reports

Information not properly verified and inaccurate information still present on my credit profile. Removing information and reinserting it. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had an active account with Fortiva since the beginning of last year ( 2022 ) and have made payments on time since its start. I was not notified that they were to be closing my account and opening up a new account in my name ( they called it an " automatic upgrade '' ) in XXXX of this year. The first I heard about these changes were through XXXX XXXX, who let me know that the Fortiva account I had before had been closed and then another had been opened and the previous balance transferred. I got a letter and a new card in the mail a few weeks later, and when I called to have these changes reversed by Customer Service, they said they can't reverse the changes. They offered to close the account, but the remaining balance would have had to be paid in full to avoid penalties, excessive interest, etc. I never agreed to these changes, and they have impacted my overall credit scores and inquiries/account histories for my credit report. I have tried multiple times to contact Fortiva and every time I have, they tell me it's not possible to reverse these changes that they made on my behalf, even though they were done without my consent. 

Companies should not be able to just close your account and start a new one in your name without you deliberately opting IN to the change, and this company has decided that a lack of response from its consumers constitutes permission -- this is ( or should be ) illegal.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : 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
Product: Debt collection

This is the second complaint I have filed against this company since XXXX, and I believe this latest tactic is a retaliation for the steps I have taken. Westlake Financial was contacted in XXXX after our issue was settled with the help of your office. During our conversation they offered to defer my XXXX payment until the end of the loan. I agreed to this. That should have negated my XXXX payment and made me only responsible for my XXXX payment. 
My XXXX payment was due on XX/XX/2018 and is scheduled for XX/XX/2018 of this month. I received a letter on XX/XX/2018 ( dated XX/XX/2018 ) that stated the following : " Your account is in serious default. Please be advised that your account has not reached the stage where definite action must be taken. We have begun a review of your account to determine what further collection efforts are required. Those actions may include steps to protect our interest in the secured vehicle, up to and including repossession, according to the terms of your contract. '' I find this amazingly aggressive for a 15 day delinquency and feel this is absolutely a response to my asking for my records to prove that they did not harm my credit as they threatened to when I refused to answer their question regarding why I was late. I was told that they would put that I was non-responsive to their claim, when that was not true. The resolution was that they told you they didn't have that in my record and would not release any part of my file without a court order.
Product: Credit card

Complaint Against Capital One Regarding Failure to Investigate Billing Dispute Properly On XX/XX/year>, I rented a vehicle through the XXXX XXXX XXXX for XXXX, incurring a charge of {$260.00} on my Capital One credit card. The vehicle experienced mechanical issues, and XXXX employees instructed me to wait for further instructions on obtaining a replacement vehicle. During this period, I was unable to work, and the rental agreement was exclusively tied to XXXX rental terms. XXXX ultimately failed to provide a timely replacement and refused to waive rental fees for the days I was forced to wait, despite a manager acknowledging the issue in writing and stating that it would be escalated. Instead, XXXX wrongfully treated this as a standard rental agreement rather than an XXXX-specific rental. 

Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666, and Regulation Z, 12 C.F.R. 1026.13, Capital One was required to conduct a reasonable investigation into my billing dispute when I reported it. I formally disputed the XXXX charge, explaining that the fees were improper under the rental agreement terms and providing supporting documentation, including my communications with XXXX, proof of the managers statement acknowledging the issue, and evidence of the improper charges. Despite this, Capital One responded with conflicting messages : one stating that they would not remove the charges and another asserting that they had not received any documentation. This demonstrates that Capital One either failed to conduct a reasonable investigation or relied on an automated system that did not meaningfully review the dispute, violating its obligations under the FCBA. 

The FCBA requires creditors to resolve disputes within two billing cycles ( not exceeding 90 days ) and prohibits them from collecting the disputed amount during the investigation period. However, Capital One continued to charge interest on the disputed amount, despite failing to conduct a legally sufficient investigation. By failing to properly review my dispute and continuing to hold me liable for improper charges, Capital One has engaged in unfair and deceptive practices in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). 

I request that the Consumer Financial Protection Bureau take appropriate action to compel Capital One to comply with its legal obligations, including : Reversing the disputed charge of {$260.00} and any related fees. 
Refunding any interest accrued on the improper charge. 
Providing a full explanation of its dispute resolution process and why it failed to properly investigate my claim. 
Ensuring future compliance with the FCBA by implementing a process that guarantees consumers ' disputes are investigated in good faith, rather than dismissed without meaningful review. 
Capital Ones failure to investigate this dispute in accordance with federal law has caused financial harm and demonstrates a broader issue of non-compliance with consumer protection regulations. Im asking the CFPB to intervene to ensure that Capital One is held accountable and that similar violations do not continue to occur.
Product: Student loan

I had a private loan through XXXX now Navient has taken over the loan. Navient makes no attempt to work with to lower the interest rate. I co- sign for the loan in 2009. Myself and my husband are both XXXX now and looking for some cooperation from Navient. 
Finally was a XXXX allowed to sell off there loan to Navient?
Product: Credit reporting, credit repair services, or other personal consumer reports

Did Not authorize companies for inquiry and do not recognize companies ALLY FINANCIAL Auto Financing Companies Inquiry date : XX/XX/2020 2020
Product: Debt collection

CASE # XXXX COURT CASE # XXXX XXXX XXXX # XXXX Im requesting to receive a termination letter/ release letter of all levys removed immediately. 
Especially the lien from the house in XXXX XXXX CA XXXX! 
My name is XXXX XXXX. I strongly feel this is a mistake error, it is unfortunate that there is a Social Security attached ending in # XXXX. 
This XXXX issued date XXXX XXXX. 
When I speak to all these collection agencies, they all have different dates & amounts. 
Some say this dept is for something back in XXXX or XXXX, they don't even know. 
I spoke on XX/XX/XXXX ( time started still waiting for all the information ) & XX/XX/XXXX with XXXX XXXX representing XXXX XXXX XXXX. 
I request, & By law is my right to receive a copy of the original contract. 
& There is none. 
Proving information with a signature that shows I owe, if any of this debt. 
I need proof of ownership, payment historys anything & everything on this is. 
( as asked for many times ) office has 30 days from XX/XX/XXXX to comply & give me all this information. 
you must delete this mistaken debt ASAP. 
I also need all the creditors/Law Groups that have been involved in this court case # XXXX. 
Information needed is, complete legal names and address, contact information emails and numbers.. 
Companys License XXXX XXXX which are required by law or ordinance to be engage in business as a collection agency. 
Information will be used to do a background check on all law firms & license numbers to confirm all legality through the state of California and Attorney General. 
I would like the complete information on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX to verify on our behalf as well. 
Copy of Proof of Service form XXXX I also have no clue or recollection on how or why the court house in XXXX XXXX  XXXX would even comply to a judgment on XX/XX/XXXX.! 
I the Defendant was never served or notified that XXXX hours away from my home & was supposed to be in a courthouse. in LA. 
I live in XXXX XXXX XXXX. 
In Learning about this false XXXX from XXXX? 
I was never serviced : on this claim, & not given the at least 15 days before the court date. 
I feel There is so many laws Where this XXXX is being broken through Law FCRA, FDCPA & HIPPA.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act, the list of accounts below have violated my protected consumer rights to privacy and confidentiality under 15 USC 1581 ; XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX has violated my rights. 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 ) Aperson 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.
Product: Prepaid card

I am a Rush card customer and on XXXX XXXX, 2015 My rush card was wiped clean of {$3000.00} since then I have contacted rush card representatives and XXXX XXXX and they can not tell me where my money has went, or when am going to get it back.
Product: Credit reporting

I 'm not sure what category this applies to, but it goes like this. I cosigned for my daughter 's student loans that she obtained through  XXXX  over the past 4 years, and they have accumulated to more than {$40000.00}. She is still in college at this point. Last month I received a letter from  XXXX  stating that as of  XXXX   XXXX  the amount of the loans will be shown on my credit reports with my debts. This effectively hurts my debt/income ratio severely. The result is that as of  XXXX   XXXX , my credit score was  XXXX . As of  XXXX   XXXX  it is  XXXX . So from now until the student loan is paid off, every loan I get is going to be at a higher interest rate, which means more money in the pockets of the lenders. I do n't know which category a complaint about this would be filed, but it sure is not right!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file. I have been violated under multiple incidents by these consumer reporting agencies and will be seeking litigation if problem are not rectified immediately. The following rights of mine I believe have been violated and are causing punitive damages to my life as the consumer of the united states. ( Offenses number 1 ) 15 usc 1681 ( a ) ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. I never gave XXXX XXXX or Experian ( WRITTEN PERMISSION ) to have this information pertaining to my consumer transactions. Because I never gave this permission I believe this offense also falls under 18 usc 1028 aggravated identity theft ( A ) ( 1 ) ( offense number 2 ) Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, ( possesses, or uses, without lawful authority ), a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( Offense number 3 ) 15 usc 1681 ( Exclusions ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit " alleged '' " inquiries " are a private matter and if they are or were factual they are not supposed to be on my consumer file and report. ( offense number 4 ) 15 usc 1692g I also believe is a section regarding validation of debts. Numorius accounts have be disputed and have come back as validated when I ( THE ORIGINAL CREDITOR ) haven't received any type of notice within five days to verify or validate these " alleged debts '' ( I DO NOT VALIDATE NOR VERIFY ANY DEBTS ON MY CONSUMER FILE ). Furthermore under 15 usc 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. All debts on the public and consumers are already paid for by the united states according to what I believe is 31 us code 3123 The Secretary of the Treasury shall pay interest due or accrued on the public debt. Now im not making threats but under 15 us code 1679g ( civil liablity ) Any person who fails to comply with any provision of this subchapter with respect to any other person shall be liable to such person in an amount equal to the sum of the amounts determined under each of the following paragraphs : actual damages, punitive damages and class action. 
LAstly under 15 usc 6802Obligations with respect to disclosures of personal information I have the legal right to tell you what is considered private to me and what I demand be removed from my file for the sack of my privacy.
Product: Credit reporting or other personal consumer reports

Starting XXXX of 2024 Sychrony bankXXXX XXXX reported a charge off in the amount of {$1500.00} to my credit report and have done so every month since. As well as selling the debt to a collector.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

Balance {$1300.00} Highest Balance {$1200.00} Reported : XXXX. XXXX, XXXX  Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX Closed No Info
Product: Credit card

Synchrony Bank ( " Sychrony '' ), on behalf of My Lowe 's Rewards Credit, charged a late fee in the amount of {$41.00} ( " Late Fee '' ) on XX/XX/XXXX and XX/XX/XXXX ( likely other days as well ) to my account. My payment is due on the XXXX of each month, but Synchrony charges the such Late Fee on the date the payments are due regardless if I made a payment on or by the due date that was not processed by Synchrony until the next business day. 

Synchrony waived the fee on XX/XX/XXXX, but not the Late Fee charged on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to abide by the law : Failure under Fcra demands that closed accts be permanent removed that are older than 2 yrsUpdated by CFPB Breach 1681 ( I ) never gave written instructions to whom it relates to report any activities on my consumer report violation of 15USC 1681 ( b ) ( a ) ( 2 ) please removed XXXX cards acct # XXXX and JP Morgan Chase Bank. Acct # XXXX
Product: Debt collection

XX/XX/2020 I have requested a copy of the credit application along with drivers license to verify the account. I have not receive the requested information. I have informed them I have no account with XXXX. The only information that I am receiving are statements. I have asked to verify the bank information the account the payments were made and have not received the information. I have mentioned to the company this is not my account I demand a full investigation with credit application, drivers license and the bank account the payments were made. 
I have made contact with the company XX/XX/2020 to see what this information is in regards. I have been informed by the rep this is a credit card. I have informed the rep that I never owned XXXX credit card and the rep stated that I was a liar. I have requested the documentation with a copy of the application, copy of my license, and a validation letter but never received the information. The rep informed me that I will be sued if I dont pay the balance in full. The rep mentioned to contact my place of employment which I have asked her the name of my place of employment and she wouldnt tell me. The rep also mentioned that I was an abusive retail liar and hung up the phone after I have asked for her to repeat her name. How do I go by getting the help to report this information and should I seek legal action against the company. LVNV Funding have terrorized my life with the verbal abuse.