23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased a Vanilla Visa card for my grandson and he was told there was insufficient funds for his purchase. I checked his account and found fraudulent charges as follows : {$68.00} on XXXX,22 {$68.00} XXXX XXXX/XXXX/22 {$9.00} XXXX XXXX/XXXX/22 {$1.00} XXXX XXXX/XXXX/22 I filed complaint case # XXXX and was told it would be 60-90 days to investigate I finally got a letter saying the case was resolved and I would receive a replacement card.More than a week later I got the card and when I activated I found they returned only {$78.00}. They still owe me {$69.00}. 

I saw a report on XXXX evening news about Vanilla Cards issuing cards with XXXX balance.This company needs to be investigated!
Product: Debt collection

Cedars Business Service is attempting to collect debt that could not be mine ( from XX/XX/XXXX XXXX for a car rental service XXXX that no longer exists. I have not used XXXX since at least XXXX. They continue to email me and wont leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Trans Union and XXXX, XX/XX/2023. It has been well over 30 days and I still have not received any thing back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXXXXXX, Trans Union and XXXX have 30 days to respond to my dispute. This is a violation of my rights certified.
Product: Credit reporting or other personal consumer reports

IAM XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX Todays date XX/XX/XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX XXXXXXXX ACCOUNT # : XXXX XXXX i ask for the companies involed to do a proper investigation and delete this fraud account please and thank you THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. I filed an IDENTITY THEFT CLAIM I WILL ATTACH THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER IDENTIFIES AS IDENTITY THEFT MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX never heard of them but their on credit reports for hard inquiry on XX/XX/2017. i was told its a hard inquiry and will fall off in two years like why should i care. it should be removed and companys should be more careful its hackers everywhere
Product: Debt collection

Notice for Proof of Claim Account : I.C. SYSTEM, INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, Mohela purchased my student loans from XXXX. Mohela updated the information on XXXX and XXXX Credit Bureaus, but not XXXX. As a result, it incorrectly shows that I owe both XXXX and Mohela for student loans. However, the XXXX balance should be {$0.00}. I have contacted XXXX, Mohela, and XXXX. Each organization is blaming the other. XXXX, despite me submitting evidence that the account balance is {$0.00}, says that it's up to XXXX to update the correct balance. XXXX blames Mohela for not reporting that it paid the account off. Mohela says that XXXX is responsible for updating the account balance. Mohela and XXXX both agree that the account balance is {$0.00}, but refuse to report it correctly to XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme disappointment and frustration regarding the lack of response from XXXX, XXXX, and Experian regarding the disputes I submitted to rectify inaccurate information on my credit report. 

I meticulously outlined the discrepancies, providing a comprehensive list of accounts and highlighting the blatant violations perpetrated against my consumer report. Despite my efforts, it has been well over 60 days, and there has been no acknowledgment or resolution from your end. 

I have attached copies of all the dispute letters I sent for your reference. 

It is disheartening to point out that your company is in direct violation of FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as such. The mandated 605 ( c ) running period has also been infringed, as the date of the last activity on this account is inaccurately reported instead of reflecting the last payment date.

Furthermore, your consistent failure to validate this collection account is a clear violation of FDCPA 809 ( b ), as per the FTC 's opinion on the matter.

I find it imperative that you address these issues promptly and rectify the inaccuracies on my credit report. Failure to do so will leave me with no option but to escalate this matter further through legal avenues available to me. 

I anticipate your immediate attention to this matter and a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . XXXX XXXX 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

I am writing to file a formal complaint against BC Services Inc., a debt collection agency located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

I have been in communication with BC Services Inc. regarding a debt collection matter related to my state taxes. While I am willing to cooperate and have agreed to a monthly payment plan, I am concerned about the agency 's insistence on obtaining my credit or debit card information before finalizing the agreement. 

This request raises questions about the legality of such a requirement and creates an unnecessary burden, especially considering alternative payment methods like checks. I believe this may be a violation of consumer rights and merits investigation. 

Details of the complaint : Name of Company : BC Services Inc. 

Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure compliance with consumer protection laws.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the XXXX account ( XXXX ) currently listed on my credit report. Despite a previous dispute, these accounts have not been removed. 

Account Information : There are several account from XXXX in my report and I am disputing all the accounts and inquiries related to this creditor. 

Creditor Name : XXXX  I dispute the validity of these accounts as I do not recall opening them with XXXX. I am formally requesting debt verification in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The persistence of these accounts on my credit report, despite prior disputes, represents a clear violation of my rights under the FCRA. It is the responsibility of credit reporting agencies to ensure the accuracy and validity of consumer credit reports. 

I demand a thorough reevaluation of this dispute and immediate removal of the contested XXXX account ( s ) from my credit report. Furthermore, I request comprehensive written verification of the debt, including documentation proving my involvement and agreement to these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a second complaint because Experian is not deleting an address that is not mine : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

They responded by saying they couldn't find that information on my credit report. Today XX/XX/XXXX I logged into my Experian account and the address is still there. I'm submitting a screenshot with the address because they clearly not doing their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have sent letters to the XXXX credit bureaus regarding the reporting of a a chapter XXXX bankruptcy that they are reporting that they state has been verified by XXXX only XXXX is not reporting a chapter XXXX bankruptcy on their credit report. I've requested a letter from XXXX twice to show this and they have sent me my credit report which does not show a chapter XXXX, it only shows a chapter XXXX which is dismissed and has been removed from my credit reports.
Product: Credit card or prepaid card

capital one id number XXXX account lying, improper id patriot act violation unfair practices, discrimination racism this worker closed a credit account without permission due to asking to asking top speak top a higher rank worjker. only reason account was closed, i askeed for mediation whih the person ided says we dont allow mediation and we willclose your account, although i asked it not be done untoil i hads a chancew to mediate with someone whicfh was denied then account closed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a charge-off reported by XXXX XXXX on my credit report, as I believe the circumstances surrounding this charge-off were based on misleading and deceptive information provided by XXXX. 

On XX/XX/year>, I received a text message from XXXX XXXX stating that my account would be charged off within 5 days unless I resolved the issue I promptly reached out that same day explaining my financial hardships. The very next day XX/XX/XXXX, I received a communication from XXXX indicating that I had 30 days to rectify the situation as well as giving me a case number. Despite the XXXX notice, XXXX proceeded to charge off my account before the XXXX period had elapsed. 

When I contacted Ally to clarify this, I was informed that the agreement was no longer valid due to XXXXXXXX XXXX XXXXXXXX I was never made aware of beforehand. As a result, the charge-off was processed under deceptive terms, which directly impacted my credit standing. Today XX/XX/XXXX I reached out again for the XXXX time to try and get a fair resolution to this situation, I asked to speak to the supervisor I was on hold for a bit and then told she was unable to speak with no clear reason as to why, I asked to please have her call me back then as this is my livelihood on the line and they proceeded to tell me they could give her my contact information but she was not likely to call me back to address my situation. 

I am requesting that Equifax investigate this matter thoroughly and remove this inaccurate charge-off from my credit report. I have attached the supporting documentation, including the misleading messages from XXXX, to substantiate my claim. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Mortgage

We refinanced our mortgage with Loan Depot. At closing they collected XXXX for the XX/XX/XXXX property taxes. However, this a non-escrow refinance. They claimed that they must collect this outstanding tax to do the closing. Closing on XX/XX/XXXX. Taxes first due XX/XX/XXXX and there is no penalty until after XX/XX/XXXX. I recently call my tax office after I received the tax bill and it was for the full amount. They have no records of having any funds being applied to this account. I called servicing department who referred me to the Loan Depot Escrow Department and they sent me back to the servicing department. I spoke to a manager and they claim it was sent XX/XX/XXXX. I contacted the mortgage officer and he inquired with servicing department. After 5 days I recontacted him and he reiterated he reached out to the servicing department. Three more days past and I get an email from yet another Loan Depot department-Customer Care. They claim it was sent out " on or about XX/XX/XXXX '' .. That was closing day. On or about means they are not sure. They say if XXXX County, NC tax office has not received it I should contact the mortgage servicing officer. It is like a shell game. I do not see how one collects tax money before it is due and on a non-escrow account. They have no right to hold the money and ca n't explain where it is.
Product: Money transfer, virtual currency, or money service

I use XXXX and to my understanding, there were not proper safe guards and it left my hard earned money at risk. 
The entire time that XXXX was introduced to me through my TRUIST BANK, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was notified by XXXX XXXX through XXXX XXXX about an inquire on XX/XX/XXXX. Inquire was from Small Business association, I called the SBA they explained that an individual has opened up a loan in my name for {$17000.00} they explained the steps I needed to do I called them back a few days later they stated that they stopped the approved process and stopped the check. I was told to submit a police complaint, I did hear nothing back from XXXX County as of yet online only. I have submitted online to XXXX, Equifax and XXXX and they have not removed this inquire either. I also am trying to press charges against the individual and seem to be getting nowhere. I have had fraud happen to me several times in the last 7 years, enough is enough. All these credit companies and business advocates make it impossible to clean anything,. So I will be taking this further and hiring a lawyer. I want all my duplicate inquires removed and especially the SBA inquire removed off my credit. I probably will just submit to State Police since County has not notified me in a month.
Product: Credit reporting or other personal consumer reports

My name was drastically damaged from fraudulent accounts. Still reporting on my consumer report. Please verify ownership, including my signature and Id that was used to obtain this goods I have no idea off. 
There should have been a fraud alert on my report. Delete this accounts immediately they are violating my rights. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4 XXXX  : XXXX ( XX/XX/XXXX ) {$1600.00} XXXX  : XXXX ( XX/XX/XXXX ) {$180.00} XXXX XXXX : Account number XXXX XX/XX/XXXX ( {$920.00} ) XXXX XXXX XXXX XXXX  {$1300.00} XXXX XXXX XXXX XXXX {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Navient about the account reporting a balance every month when it is a closed account. They report and update the account every week. So I called back and tried to just pay the {$65.00} the rep said XXXX see whats going on with account and call me back he wouldnt let me just pay and he acted as if he couldnt find the account
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report. I was shocked to learn that I have been a victim of identity theft. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A and 15 USC 1681q. You have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I found numerous accounts on my consumer report that were not open by me.

Addition to this I have not given any consumer reporting agency written permission to put anything on my consumer report. The law states per 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Therefore, these accounts should not be reported on my consumer report. 


This has also caused infringement of my right to privacy for advertising this alleged debt that I do not owe nor have an agreement and/or personal responsibility contract with on my consumer report. 

This has been hurting me and causing my mental health to be disturbed with severe harm and extreme anxiety, as I am in the process of buying a home for my family. It is also unlawful for the advertisement of any debt to coerce payment per 15 U.S Code 1692d Harassment or abuse. 

Please remove the fraudulent accounts from my credit report as soon as possible.
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 XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$340.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$290.00} 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

Inquiries should have been removed by now accounts that are paid off & closed out should be removed from my credit
Product: Vehicle loan or lease

the company stop answer phones. never sent paper work with my signer or showing me any information with my personal information. nor didnt send me information they sent to charger off person the sold contract too.
Product: Credit reporting or other personal consumer reports

I requested from Experian that they investigate the collection that was put on my credit report from a collection company. I advised them that I never signed or agreed to pay the collection from the collection agency. I also advised Experian that I sent the collection agency a validation letter and requested that they validate the debt, but the collection agency never sent me the validation letter. Also, the other credit bureaus XXXX and XXXX who had the same information were able to delete the collection from my credit report. I am requesting that Experian remove the collection from the credit report.
Product: Mortgage

I have a mortgage serviced by Specialized Loan Servicing ( SLS ). The mortgage includes a tax and insurance escrow. In XX/XX/XXXX, I received a tax delinquency notice from XXXX County, Iowa in the amount of {$1800.00} with respect to the property tax installment dueXX/XX/XXXX. This was curious to me, as the servicer was collecting funds to cover property taxes as part of my mortgage payment and responsible for properly remitting them to the taxing authority. Further, SLS ' account statements related to my mortgage indicate they remitted {$1800.00} to XXXX County inXX/XX/XXXX. I called SLS about the situation and they provided me with a number to fax the delinquency notice to and asked me to write my loan number at the top. I followed these directions and never heard back from SLS, and assumed that they had addressed the situation as they indicated they would upon receipt of this information. <P/>On XX/XX/XXXX, I received a tax sale notice from the XXXX County Treasuer relating to the property subject to the mortgage serviced by SLS. This alarmed and distressed me, and I went to the XXXX County Treasuer 's office onXX/XX/XXXX and redeemed the tax sale certificate for {$1900.00}. I took time off work to do this. <P/>I can not believe SLS ' handling of my escrow account and property taxes in this situation comports with RESPA or other applicable laws. I have no idea whether SLS actually remitted payment to the taxing authority in XXXX, but it was incumbent upon them to properly transmit the payment, and to confirm that it was correctly applied after I alerted them to the the delinquency notice. I demand a return of the {$1900.00} I spent to clear title to my property due to SLS ' incompetence and/or indifference, and reasonable compensation for my time wasted dealing with this unnecessary and stressful situation. <P/>I own several other properties serviced by other servicers ( XXXX XXXX, XXXX  ), and have never experienced anything remotely approaching this level of ineptitude. Fortunately, I had the resources to immediately resolve the situation before losing my home to a tax sale for unpaid taxes the servicer was supposed to be paying. Not all borrowers would be so lucky.