23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

im making a complaint about a collection comapny " credit collection services '' reporting negative feed back on my credit report about a debt in the amount of {$1300.00} on the date opened XXXX.I got in contact with the collection company and told them to remove that negative feed back or send me over debt verification which i suggested proof that debt belongs to me. the prrof i requested is " wet signiture '' and " purchase aggreement '' which in fact " according to FCRA section 605b it is illegel to report anything on my credit report without my permission '' please remove this negative item thank you
Product: Debt collection

Credit reported I owe XXXX to reliant capital never owed this company never signed a contract authorizing the use of credit reporting or inquiry. Never owed a debt to this company. Falsely reporting to my credit impacting my score
Product: Debt collection

XXXX XXXX continues to claim that I owe money for an account that was never mine. The same debt has been added to my credit report in collections for the third time. I have cleared the issue with XXXX XXXX twice and it was erased, but has somehow returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I have an inaccurate item on my credit report. I have noticed that account ( Credit acceptance ) is reporting 21 late/missed payments with a balance of {$4800.00} but the account is paid in full of a {$0.00} balance as of XX/XX/XXXX. The account is not reporting accurately, and I ask that this account also be removed from my credit report immediately. I contacted credit acceptance but I was told that the payment just reached them and it will be u til XX/XX/XXXX, that itll show paid.
Product: Mortgage

BBVA now PNC was under valuing housing/ properties in my minority neighborhood by ~30 %. That lead to underfunding and unfair lending practices. 

This happened around XX/XX/XXXX 2021. The property valuation by the bank was around {$210000.00} and only weeks later it sold for {$290000.00} and appraisal by the VA. I really this is practice need to be looked at cfpb. All people should get fair lending based on the accurate assessments.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the handling of my credit report in relation to XXXX XXXX XXXX XXXX. On XX/XX/2024, ( Exhibit A ) I submitted a dispute to your agency, expressing concerns about the accuracy of information associated with this account. It has come to my attention that, despite my dispute, Experian has failed in numerous instances to take appropriate steps to ensure the maximum possible accuracy of the information in question. On XX/XX/2024, ( Exhibit B ) I received a notification from Experian indicating that the account had been updated. However, to my dismay, the update did not reflect the proper notation of the disputed status, as outlined in the Fair Credit Reporting Act ( FCRA ). According to the FCRA, Experian is required to notate a disputed account during the investigation process or, upon completion, provide a clear indication of the resolution in the comments section of my consumer report ( Exhibit C ) which they did not. Unfortunately, it appears that Experian has not followed the proper procedures, and I am concerned that this failure may be in violation of 15 USC 1692e ( 8 ). I am attaching proof to support my dispute complaint, including documentation of the initial dispute filed on XX/XX/2024, and subsequent correspondence from Experian indicating an update to the account, also proof of my Experian report that show the comment section has no comment it's blank like there wasn't even a dispute being reinvestigated or made. This evidence clearly demonstrates that the necessary steps were not taken to accurately notate the disputed status of the account, as required by law.
Product: Debt collection

within the last 2 months from todays date of X/X/2017 : I have asked XXXX ( XXXX : XXXX ) I think this is there website, a collection agency hired ( so they say ) by XXXX ( XXXX ), to whom the original loan was from, to stop calling my place of work. They have harass and threaten to sue me for fraud even though I have said for them to take those actions, just stop calling me. They have repeated phone my place of work when i have told them to stop such actions. Have called extended family to discuss my situations. There phone number is usually an XXXX or XXXX number and say they are XXXX XXXX. The most recent is XXXX
Product: Debt collection

There are multiple unauthorized debts under my name and credit report that are affecting me in negative ways when I dont know anything about how these debts got accumulated.
Product: Debt collection

My wife and I arrived home on XXXX XXXX to discover a telephone message from a " Debt Collection '' agency had called and insisted that I should call them back immediately. My return telephone resulted in being transferred to several departments with no human intervention. Subsequently, I XXXX the telephone number XXXX XXXX XXXX XXXX and discovered that the number belongs to the " AmSher XXXX Collections XXXX. '' I also discovered from the numerous comments online that its aggressive tactics are to badger the individual into paying " old debts, '' real or imagined. LET ME BE PERFECTLY CLEAR : ( 1 ) our credit score has consistently been XXXX for the last five+ years ; and ( 2 ) there are no outstanding old debts ( real or imagined ) from any bank, mortgage lender, credit cards, etc., for the last XXXX years -- period! I have no intention of allowing this scam company to extort me for any moneys. I need to determine how/what can be done to stop these harassing calls and to ensure that this " XXXX '' does n't end up on some credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax incorrectly assigned debt of {$110.00} from medical bill XXXX XXXX XXXX XXXX reporting from XXXX XXXX XXXX. ( On XX/XX/XXXX it was confirmed with XXXX XXXX XXXX that they did not report account to appear on my report as they were able to confirm per DOB and name that collection account belongs to my brother XXXX XXXX ). On XX/XX/XXXX this was explained to equifax. I was placed on hold by representative to consult with manager. When he returned, the representative stated that this was not a dispute, and proceeded to transfer me to mix department (? ) he called it. Transfer was never completed as I ended call after being on hold for 25 minutes. No representative followed up to ensure I was transferred or did they update me on why the transfer was taking so long. This incident occurred again on XX/XX/XXXX in hopes of speaking to someone in the correct department but had to end call due to no response on hold for over 20 minutes.
Product: Credit card or prepaid card

My previous complaint number XXXX filed on XX/XX/2019, is related to this complaint. On XX/XX/2019, I called NFCU and left a message that I want in writing a letter stating that the credit card charges were an error reposted by Navy Federal Credit Union and the charge should not have been reposted to my account. This assures me if the charge is ever reposted by Navy Federal I have documentation to support removing the charge. On XX/XX/2019 I received a call from XXXX a Navy Federal representative stating the charge was removed. I informed her I want it in writing and left a message for the representative. XXXX said she would follow up with the representative to insure a letter was sent. I have heard nothing back from XXXX or the representative.
Product: Credit reporting or other personal consumer reports

I have recently discovered that there are multiple instances of fraud with the mortgage that originated through XXXX XXXX XXXX XXXX XXXX, which ended up being " serviced '' by Freedom Mortgage. The fraud i have discovered involves : 1. Grammatical fraud, impersonating and misrepresenting two jurisdictions ; Uniform Code of Military Justice ( UCMJ ) and Uniform Commercial Code ( UCC ) via the original loan paperwork and statements now issued by Freedom Mortgage. This is fraud and is a felony.

2. The Note itself is not on the Public Record and is missing the endorsement stamps. This is fraud.

3. My credit reports do NOT reflect the loan made by XXXXXXXX XXXX XXXX XXXX XXXXXXXX at all. My credit reports only reflect Freedom Mortgage XXXX XXXX, of whom i have no contract with. In fact, there is no mention of this entity whatsoever on any of the mortgage documents. This is fraud.

4. The only thing on the public record is a copy of the mortgage, not the original wet ink mortgage, with the Note. This is fraud.

5. I have checked the XXXX system for the activity and is shows " inactive. '' This is verification that the loan has been paid off.

6. The cost of the loan as provided by XXXX XXXX XXXX XXXX XXXXXXXX, is understated by over {$20000.00}. The law provides that they must come within {$100.00} or there is reason to discharge the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I have been locked out of my Chime account for over a year due to an XXXX scam. I have contacted Chime about this and was asked to take a selfie holding my government issued ID. When I completed that, I then was asked to take a selfie holding my ID with only the date. After I submitted that I was asked to submit a selfie holding ID with my name and the date written on a piece of paper. I have submitted the requested information over 10 times and I am still unable to access my account.
Product: Consumer Loan

I contacted Drivetime on several different occasions regarding a car loan I had with them account # XXXX i do not have the number for the other loan that was removed also from the credit bureau with a positive credit rating that was closed and paid in full. The company insisted on avoiding an agreement entered into by myself and XXXX of their company representative in a corporate position they have the agreed upon resolution and can provide your agency with a copy of the same because i do not have the capability to do so with my computer. Drivetime during the month of XXXX XXXX removed my credit reporting information from XXXX credit bureaus reporting agencies I believe XXXX and XXXX XXXX I discovered in or about XXXX XXXX that my positive credit ratings were no longer in the XXXX and XXXX credit bureaus and that another positive account for another car loan was no longer reporting in my credit file. these removals adversely affecxted my credit ratings and as such my ability to purchase something with a lower interest rate. I have never missed a payment to the Drivetime company on my car loans inclusive of XXXX XXXX XXXX XXXX different auto loans and for them to destroy my credit ratings is despicable. I spoke with XXXX today ( XXXX/XXXX/XXXX regarding those issues and his response to me was that Drivetime is now in the process of updating all consumers credit files and all of the consumers credit files were removed from the credit bureaus and is being updated however he does not know how the process is being performed who 's records are being updated/ corrected and what process or timeframes this process will take and furthermore does the process involves all consumers credit reports or are they updating reports for existing customers again which would not apply to me because my loans have been paid off and are closed however they did the same thing to my credit reports. Therefore the process would leave me with no credit ratings for accounts that I have paid off in good faith and never missed a payment in doing so however they kept trying to report my latest account as a repossession and or account was not satisfied I had them make the corrections and now back in XXXX or XXXX of XXXX I discovered yet again they tampered with my accounts by removing my positive information from the bureau for the account paid off in XXXX and for the account prior to that XXXX removed it from the credit bureau entirely and left the XXXX account in XXXX bureau I believe in the XXXX credit Bureau which was the same method of operations that has done to the existing consumers. Therefore Drivetime Representative XXXX gave me erroneous information about my accounts and for those reasons I am submitting a complaint to the Consumer Financial Protection Bureau based on the ruling implemented in terms of enforcement against the Drivetime XXXX XXXX for their violations of consumer rights dated XXXX XXXX, XXXX which is what they did to me in XXXX XXXX XXXX and prior to those dates in XXXX.
Product: Debt collection

Aldous and Associates are illegally furnishing data on my consumer report that XXXX is not mine or i dont remember opening these accounts. i never gave them any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Dispute my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C Code 1681i which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C Code 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to insure Equifax complies with the federal law and provides consumers with necessary proof of investigation. These are the account Ive marked as inaccurate. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please explain to me when an adverse account stating removed date month and year XX/XX/XXXX is still on my credit report and how come transunion refuses to remove this item. See attachment XXXX XXXX XXXX # XXXX # item will be removed XX/XX/XXXX and we are in XX/XX/XXXX. According to FTC 605 ( 4 ) 605 ( c ) ( 1 ) also accuracy and fairness of credit reporting which transunion is violating by not removing this adverse account. I am requesting transunion to remove this error XXXX XXXX XXXX # XXXX # from my credit report
Product: Credit reporting or other personal consumer reports

I Received a XXXX XXXXXXXX XXXX Line of Credit for {$3000.00} ( XXXX, XXXX ) in good faith of expanding my small business and ended with damage to my reputation. In XXXX of XXXX  Capital one Made numerous collection attempts and had communication with me through Fraud Mail, Mobile App, My Consumer Report ext. As well as using fees to say I owe alleged debt of ( {$3700.00} ). XX/XX/XXXX I notified them of there false representation and Defamation of my character and didn't receive correspondence until XX/XX/XXXXXXXX  resulting in the account being Closed/Charge off. XX/XX/XXXXXXXX  I continued disputing validity of the report showing there clear violations of ( FCRA & FDCPA ) and that they were to cease and desist also requesting 1099c and received no correspondence. It is XX/XX/XXXX and XXXX still is furnishing inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a dispute letter with in account with XXXX XXXX but it came back verified. The reason of my dispute is to challenge this erroneous outcome by demanding under section 611 of the FCRA for them to provide me with the method of verification or deletion of this account.
Product: Credit card or prepaid card

Wells Fargo Credit customer service are unprofessional. They do not assist with customer 's complaints and issues. They charged my credit card with fees and high interest rate. My credit card limit was {$3.00}. They charged me {$1500.00} with fees and interest. I was trying to pay them {$150.00} a month but they kept on charging me more and more. The credit card was use in the amount of {$2400.00}. They closed my credit card account and has reflected in my credit report/score. I do not owe the amount of what they are charging me. I have contacted the about this issue and they won't help me.
Product: Mortgage

Lakeview Loan, myloancare.com, was hacked and all financial data form this business was leaked online. Ever since then, I have been unable to make payments through their online portal. They are evasive with answers, refuse to answer what informational was leaked and refuse to release any details on why their payment systems are not actually functioning. They continue to extend the payment dates while my bank has not received a single XXXX of their " successful payments '' that Lakeview Loan claims they have received, that they email successful payment receipts of, and that they move the next payment installment date forward. I believe that Lakeview Loan is engaging in criminally fraudulent behavior.
Product: Credit reporting or other personal consumer reports

In my dispute with Early Warning Systems ( EWS ), they have violated several provisions of the Fair Credit Reporting Act ( FCRA ). Despite my request for the removal of inaccurate, incomplete, and outdated information, EWS failed to conduct a proper reinvestigation or correct the inaccuracies. Under FCRA 611, they are required to investigate and either verify or remove disputed information within 30 days, which they did not do. Additionally, they failed to notify the furnishers XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ) about my disputes within the required five business days, violating their reinvestigation duties. 

EWS also failed to maintain accuracy as required by FCRA 607 ( b ), by reporting accounts from these banks without verifying them with me. I have no knowledge of ever conducting business with these institutions, and the information they are reporting does not match my actual identity documents. EWS further failed to request adequate documentation from the banks before reporting these accounts, showing their failure to ensure the accuracy and verifiability of the data they are reporting. 

This lack of verification raises concerns about potential identity theft or a mixed file, where someone else 's accounts may have been erroneously added to my report. Despite these serious issues, EWS has not taken the necessary steps to correct or remove the inaccurate information. I request that EWS furnish actual proof that these accounts were opened by me, including legitimate documents that can be verifiednot fabricated, altered, or fraudulently signed by someone other than me. I am filing this complaint with the CFPB to request that EWS delete these erroneous accounts and comply with their obligations under the FCRA to ensure the accuracy, completeness, and verification of all reported information.
Product: Debt collection

Chase accepted, never refunded my cash, never answerer n good faith my complaint to, the cfpb n that 's like being guilty, using foreigners n another world with possession of my data, is like commercial activity, fsilure to controvert what I alleged repeatedly is deception in banking also denial of loans to unlike other banks chase is a scam artist sending computer generated documents instead of registering as debt collector and by law answering too the cfpb files I pursued instead retaliation vs my mom n their banking'3party, syndicators'chase collectibles, is a very immense sneaky little trick my mom is was POA, n they fig going after her would back me off XXXX chase! their arms had signs n were 'tethering my card by skim yet not giving cash back on those days, returning later my cash was gone .plus online transactions denied I was never refunded never got merchandise n still nothing from chase chase sucks XXXX, n must be severely monitored with how it handles cash n tjat I scam pitch 's pending'is true fraud .for real it 's gone, then thev'ropeadope '' they say ai n't giving it cuz, its all foreigners n breached ATMs, n credit card cracking fraud n much more chase is involved with allowing'nonmatching, name transactions to occur online often n still no refund so yea, I would n't answer to cfpb either their pitiful deny me access to my files n gov, complaints vs hateful groups of lending certain banks like XXXX with costs bikes up north on XXXX XXXX tell u it approved for a bank loan for bike n deny u bike until card comes? unreal like no XXXX XXXX XXXX XXXX loan at all, a and the XXXX bike is raggedly scratch filled hesitant overpriced raggedy, tires too chase something .claims this n that but..it 's aside get locations r nasty. No bike ramp, doors broken unsecure, atms, jammed, skimmed, wjike chase let 's customer loose n Teaches it 's XXXX guys working to snatch the card cut it up n throw it away cuz it 's evidence, as they input piece meal notes like '' covering their tracks in the act of unlawful taking my trust funds .living n letters '' research? " they fraudsters! shut, investigate, staybon chase period their retaliation vs my mom XXXX '' their 3party syndicated groups on my mom to retaliate is heinous XXXX XXXX XXXX chase n chase receivables whom disclosed my mom 's debt to 3party which voided the debt plus they violated the statute with debt collection under USC 42_1692section they all do screw XXXX looser