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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I am filing a formal complaint against R A ROGERS , INC COLL CONSUL, which I believe has violated my rights under the following federal consumer protection laws and regulations : 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 12 CFR 1006.34 ( d ) 15 USC 1681s-2 ( 7 ) ( A ) Details of the Complaint : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency failed to provide the required detailed information about the debt in their initial communication, specifically the itemization date, leaving me unable to verify the legitimacy of the debt.

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : The agency did not include a clear explanation of my rights to dispute the debt or request validation, which is a critical part of fair debt collection practices. This omission left me confused and uncertain about how to proceed.

Violation of 12 CFR 1006.34 ( d ) : [ Name of Collection Agency ] did not provide the appropriate itemization of the debt, as required by law. Without this information, I can not determine whether the debt is valid, accurate, or correctly attributed to me.

Violation of 15 USC 1681s-2 ( 7 ) ( A ) : The agency reported inaccurate information about the debt to the credit reporting agencies without taking appropriate steps to ensure the accuracy of the information. This action has caused harm to my credit score and reputation.

How These Violations Have Affected Me : The collection agencys actions have caused unnecessary stress, confusion, and damage to my financial standing. Their failure to comply with the regulations above has left me without the critical information needed to address the alleged debt properly.

Resolution Requested : I request that the CFPB investigate R A ROGERS, INC COLL CONSUL for these violations.

I ask for the collection agency to correct their practices, provide the required information, and cease any further collection activity until full compliance is demonstrated. 
If the debt is proven to be invalid or inaccurately reported, I request its immediate removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}.
Product: Mortgage

I have a Veterans Administration mortgage with Citi mortgage with an principal and interest amount of {$2400.00} and an escrow amount of {$1000.00} totaling {$3400.00}. 
XX/XX/XXXX we received statement that our payment would be increasing to {$3600.00}. This increase is driven by a new escrow amount of {$110000.00}. This amount seemed odd as our insurance had decreased year over year and our taxes were set to decrease for 2017 as well. At the very least we knew everything would stay the same and that escrow would not need to increase, especially in excess o {$1500.00} per year. 
We continued to make our payment of {$340000.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We had reached out to Citi to get an analysis of the escrow to figure out why it increased. Additionally, in XX/XX/XXXX and XX/XX/XXXX despite having made our payment we were hit with a late fee of {$96.00}. XX/XX/XXXX we finally received an escrow analysis statement and it was factually inaccurate. Additionally, we explained the situation and requested that our late fees be waived since we continued to make payments on time. In looking at our statements the principal and interest we had paid on monthly basis were not applied appropriately to continue the proper amortization despite the fact that principal and interest was fully paid. When we asked specifically about credit bureau reporting we were told that there would not be any since P & I was paid. This turned out to be false information as on XX/XX/XXXX I received notice through my credit bureau monitoring that Citi indeed reported a 30 day late notice. 
I called Citi to file a complaint and they indicated that they were right to file the report despite the fact that we had requested documentation, had been in contact several time and most importantly made timely payments as we had for the last 2.5 years. Upon further discussion it was found that the escrow amount that they are charging was indeed inaccurate and required for sure XXXX adjustment and potentially another once the tax records are reviewed. Essentially meaning that even the XXXX payment may have led to an overage instead of a shortage, basically that by paying XXXX I was not submitting an incomplete payment but an over payment
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, my sister mistakenly sent me {$250.00} through this app. She sent me a text asking me to send them back to her because they were meant for someone else. I sent the money back almost instantly. Then, I received an email from Venmo saying someone disputed this amount and they made my account- {$250.00}. I had already sent the money so I dont know why they took it out of my account. So I responded with screenshots that I sent the money back. They emailed saying they had to investigate with the other partys bank and would rake up to XXXX days, meanwhile people were still sending me money which Venmo was also taking from me because I couldnt access my account since it was frozen. So on XX/XX/year> they said I still had to pay {$250.00} to restore my account because the other sender did not receive the money which I clearly sent back. They are making me pay {$250.00} and they have taken the money other people have sent me as well. Also, my sister never received her {$250.00} back so they are taking over {$500.00} from us. I am very frustrated with this situation can someone please help me. Thank you
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion due to their repeated failure to provide access to my credit freeze status through their online portal. As shown in the attached screenshot, I am consistently met with an error message stating, Sorry, we're having trouble showing the status of your credit freeze right now. This issue has persisted despite multiple attempts to check my credit freeze status at different times and on different devices.

This failure violates my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies to maintain accurate and accessible consumer information. Specifically : 15 U.S.C. 1681c-1 ( i ) ( 4 ) ( B ) Mandates that credit bureaus provide consumers with a mechanism to manage and monitor their credit freeze status. XXXX failure to display this information online obstructs my ability to confirm whether my credit is secure.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires credit bureaus to conduct a reasonable investigation when consumers dispute incomplete or inaccurate information. Since I am unable to verify my credit freeze, this could potentially lead to security vulnerabilities or unauthorized access to my credit report.

15 U.S.C. 1681b ( g ) ( 4 ) Grants consumers the right to request, place, and manage security freezes on their credit files without unnecessary barriers. XXXX continued system failures impose unreasonable difficulties in exercising this right.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}
Product: Debt collection

This company is reporting a debt that is not owed to them. I sent debt validation request to the company to provide a signed contract or original agreement of the alleged debt they sent me a letter which i will attach with with my name attached to it with an invalid address no signed contract or original agreement was provided as requested in the letter. couldnt find any information in the system for this fraudulent account. This company is in violation of the Fair Debt Collection Practice Act.
Product: Credit reporting

There has been an incorrect removal of numerous trade-lines, causing damage to my credit rating. Given the significant weight given by the CRAs in calculating ones ' credit score, the unauthorized deletion of decades of positive trade lines is a gross violation of fair credit reporting practices, to say the least, and actionable by the injured consumer. it seems shockingly inappropriate that the entities charged with a fiduciary duty in collecting and managing the public utilization of credit resources, are able to so negligently permit this to occur, without any mechanism of prevention, to insure accuracy and integrity of the credit reporting function.
Product: Debt collection

This company XXXX XXXX keeps calling and harassing my family and friends threatening to send me to jail for fraud for a lease of a phone I sent back to the company XXXX, XXXX because they sent me a brokenness phone
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. 

Account name : XXXX, Account # : 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 ) 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.
Product: Debt collection

The company has stated that they had a right to run a credit report however they did not have my legal permission to run the credit report. Nor did they confirm my address needed for the credit report has they have not documentation from me that the address that they used was my physical address. As far as the 4 mileages concern, they have record that the address that they had on file was my correct address as the documentation they have uploaded has the correct address. As they have lied about the mileage distance from the old address to the new address. Both documents clearly have two different addresses. It is the company 's obligation to keep track and comprehend all the information that they receive and send out to their customers. Falsely accusing a customer of not holding insurance that was obtained at the time. You all repossessed the vehicle in XXXX, and I got the vehicle back the same day. Do make sure that your information is accurate. I had XXXX  yes and you all still received money at the XXXXXXXX XXXX  location before you all had closed that location. Then later accepting multiple payments past XXXX of XXXX per month. which I have receipts for to repossess the vehicle in XXXX and lie and say I missed a payment in XXXX after already receiving payment is scamming and horrible integrity has a company. Then you not only repossessed from my home. You sent me mail three days after the repossession that I owed a payment of XXXX and warning me of a repossession after i've been paying XXXX. My mother was listed as a reference not my legal address and you physically went and harassed her during the first repossession. By law in the state of North Carolina Fair Debt Collection Practices Act 58 70 100. Harassment. No collection agency shall use any conduct, the natural consequence of which is to oppress, harass, or abuse any person in connection with the attempt to collect any debt. By law North state acceptance should have contacted me and requested for permission especially putting a po box address as my address. For future reference since you have not received a notarize documentation from me with signature of an updated address and placed a non-resident address on my credit report after never receiving a written notice from me regarding an updated address. Also using my social security number without my permission especially since I had a credit freeze you illegally ran my credit on XX/XX/2023 during the freeze and used my social without my consent and XXXX has it documented, and it has been reported as identity theft. Now a fraud claim has been filed and lawsuit in action.
Product: Checking or savings account

Chime appears to have set up or allowed an identity thief to set up an account using my email address and home address without my permission and will not comply with my request to close the account using my information.
Product: Debt collection

this was from a complaint filed on on XXXX and the companies response : STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response We acknowledge receipt of this complaint. We have reviewed the file and the account was placed with our office as part of a prelegal portfolio. This means that the account meets the criteria or our client to review the file to send it to a law firm once it has been recalled from us unresolved. We have not made any misrepresentation and there has been no bona fide threat of legal action by our company. The account in question was identified on our system as an account originating with XXXX XXXX XXXX  on XX/XX/XXXX. The account was subsequently purchased by XXXX XXXX XXXX. We have forwarded a copy of this complaint to our client and we have requested validation of the debt from them. Once we receive the validation from them that is required we will provide it to you. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX   XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX  XXXX , XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent account and inquiries listed below from my credit report. These were the result of a data breach, and I have no association with them. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have all fraudulent information permanently removed from my credit file. 
Fraudulent Account to Be Blocked and Deleted 1. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Fraudulent Inquiries to Be Blocked and Deleted 1. XXXX XXXX - Date : XX/XX/XXXX 2. XXXX  - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan went into the CARES Act Deferment. When we were coming out of deferment, i had selected to go thru an approved modification offered by XXXX XXXX. 

XXXX then required me to enter into a trial program for 3 months before they would approve this modification. When you logged into their site, this was the only item they asked for payment for, there was no way to pay any other loan, or see anything else was past due. 

I made those payments on time, and it took several more months because of problems with their paperwork ( they would send me one copy of the loan modification, so I would sign it and send it back, and they would say they needed 2 copies. Then they said we didn't fill the form out correctly ) During this time they reported the original loan as past due. Their excuse is that I was making payments on this new loan, while not making my payments on my old loan. I was making every payment I was made aware of. 

I had no idea I would have to pay 2 mortgages at the same time to not fall past due on the original mortgage. I have requested they make this accommodation twice, and they have denied it because even though I did make payments, they say I didn't fufill my contract on the original loan. 

While I have gone thru this process, I have made every payment we agreed to on time, yet they have reported me past due as 30, 90, 120, and 150 days on all my credit reports. To me this feels like an accounting error on their part, as there was no way for me to apply those payments to that loan, their payment portal only allowed it to be applied to this new modification. I had no idea the other loan was falling past due while doing this. You can look at my payment schedule and see how I made all the payments on time, but they were applied to this new trial mortgage instead of my original mortgage, which caused the original to fall behind. 

You can see on my payment schedule that these payments are on my account as 'unapplied payments '
Product: Debt collection

I was sent a collections notice by mail regarding a medical service I obtained from XXXX XXXX XXXX. The debt they are seeking to collect is not owed by me. I had reached my deductible at the time that I sought medical treatment from the provider XXXX XXXX XXXX. If any balance remains due to the provider it should be processed through my insurance provider XXXX from whom I have received no notice of balance due.
Product: Checking or savings account

I may have done this before. My bank XXXX XXXX has been charging me overdraft fees that cost my account to close. Those over charges were so high that I couldn't pay them. When my SSI checks would come in, XXXX XXXX   would take out their money and leave me with no money at all. XX/XX/2018 is when some of these charges have happened not including other times that I do not have dates for but it's been an ongoing problem with this bank. I have closed out the account as of Friday XX/XX/2018 or possibly before that date. They have sent me a letter certified on XX/XX/2018 claiming the account was closed, and also emailed me not to contact them as I have been doing every day they do not send me my money back. They can contact me but they refuse to send me my refund. They were taking my SSI and using it to make me pay them and I think this is unfair. Now I have 2 bills that must be paid and I can not do it because they will not refund the money on a timely basis. I have charged them a fee of {$50.00} per day ( because they charged me on a daily basis ) and I want it now, that is today. Again they can send me letter but not the money they owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Subject : Request for Security Freeze on Credit File I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). I attempted to make this request through your agencys online portal but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. Below is the information needed to process this request : Full Name : XXXX 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 reporting or other personal consumer reports

Upon checking my credit report, I noticed it was showing a closed account from XXXX XXXX XXXX  showing me as a authorized user on a credit card, I have never had, used, or possessed a XXXX  XXXX credit card, I have never authorized anyone to add me to their credit card, and have never spoken to XXXX XXXX XXXX  asking to be added as an authorized use.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered that XXXX XXXX XXXX XXXX was incorrectly being reported as a negative account. I included this debt in my bankruptcy discharged in XX/XX/2017. I contacted XXXX XXXX XXXX XXXX and they agreed that the account is being reported incorrectly and the debt had been, indeed, added to the bankruptcy Case number XXXX.