23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, I received a phone call regarding a debt for an amount I had never been billed by a former landlord. I told the collecting caller I was contesting the debt, and they said they would send me a letter with next steps. This man was respectful and assured me the company would not report to the credit bureau without giving me a chance to formally dispute the debt. I did not receive any mail from them after this call. 
On XXXX XXXX, I received a second phone call. I told this new man I had never received any paperwork after the call on XXXX XXXX. This man told me a letter had been sent, then he berated me and threatened to report me to the credit agencies. He also refused to send debt verification. 
On XXXX XXXX, I called Fidelity and spoke to a very nice, professional man and explained that I had never received any paperwork but had received several phone calls. This man told me he would send me new paperwork. I finally received the first formal, written communication on XXXX XXXX. 
I disputed the debt in writing and sent two copies - one with tracking and one without, on XXXX XXXX. I asked them not to contact me again by phone and to send all further communication in writing. 
XXXX XXXX XXXX never responded to my letter. On XXXX XXXX, I received another phone call, despite the fact that I had asked them not to call me, as per my legal rights. 
Additionally, I found out the company had dinged my credit report twice. Once on XXXX XXXX, and once on XXXX XXXX - both occasions were AFTER I disputed the debt - however the debt was not reported as a disputed debt. This company is choosing to ignore both my request for no further calls and my right to dispute and is maliciously trying to hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX and Experian and XXXX to remove all of these inquiries from my credit report. I did not apply for the 61 inquiries within a six month. Please remove them. They have yet to do cell after admitting this is very unusual and they would take care of it, they have not. They still show on my credit report.
Product: Credit card or prepaid card

This is a complaint to help protect other card holders of Capital One.
I had paid, balance in full and on time, all of my credit cards with Capital One and other credit card companies. Capital One was the only company to charge me interest and post another bill with a balance. I called Capital One and informed them that I had paid in full by the due date. That I would appreciate if they could remove the charges for interest.
They took care of all 3 of my accounts and reversed the charges. Which would have totaled over {$130.00}. My concern is how many consumers would just pay these charges and not know to call to have them reversed? Would this be considered unlawful? I would think that Capital One could adjust their program to payment in full would cancel the charges? How do other credit card companies handle this and not forward another bill for interest?
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Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with JCPennys - Synchrony Bank. As of XX/XX/2019, I owed a Balance of {$170.00} at which time I paid off in full. Upon checking my credit report, it shows that my credit score actually went down so I disputed this because Synchrony Bank shows it as the account being closed by them as delinquent and it was not. I paid them monthly and on time. I tried reaching out to them and even wrote them a letter which I have in my possetion. They sent a letter stating they decided to " Close my Account due to delinquency. This is not correct and I want to dispute this. I have been working hard to correct and fix my credit report ever since I lost everything to " Harvey '' and lost everything including my job. Please help me get them to take this off. I can see if I didn't pay them and they " Closed my Account '' but I paid on time and just wanted to pay off my account in full thinking it would look better on my credit report. They refuse to take it off. My case number is XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I contacted XXXX XXXX XXXX on XX/XX/2024 in an attempt to get help with my tax file. XXXX XXXX XXXX charged me roughly {$4200.00} and referred me to agents of XXXX XXXXSpecial Financing CoXXXX XXXX XXXXXXXX XXXX  for setup of an installment loan for this amount. On XX/XX/2024 I paid {$270.00} and subsequently received a statement of denial from XXXX XXXX XXXX XXXX on XX/XX/2024. I was charged {$270.00} again XX/XX/2024 and on XX/XX/2024. I should not have paid and subsequently be charged for payments on a denied installment loan that does not exist. I am seeking a refund of {$820.00} reflecting all monies paid to date and would like removal of adverse remarks and inquiries on my credit file.
Product: Debt collection

On Saturday XX/XX/2022 Credit Acceptance Corp contacted me via email and via website at XXXX in attempt to collect a debt. That is a violation under 15 USC 1692 c ( a ) ( 1 ) and 15 USC 1692d and is a fine of {$1000.00}. I have screenshots from Saturday XX/XX/2022 at XXXX of the time the notifications via email and the message sent via website.
Product: Debt collection

My son is XXXX, in the US XXXX. I still receive mail addressed to him once in awhile and have his permission to open mail and deal with any issue that might arise. I received a letter from a collection agency requesting a balance owed for automobile insurance. They also sent another clients debt and personal information in the same mailing. I tried to negotiate a settlement with them and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint before about the house I sold & paid off completely. All three credit bureaus were more than unhelpful. After I sent complaints on them I was told the issue had been fixed. But they have not fixed it. That house I no longer am responsible for is still being reported by Experian for sure and maybe even the other two. I tried to call Experian. I could not get ahold of a real person.

I am so very tired of them controlling my life. This is not right.
Product: Debt collection

I have sent 3 separate verification letters to asking for documents that can verify the debt is owed by me, date of purchase with purchase agreement, contract that i signed with original creditor. they CAN NOT supply the requested information. they made a letter saying they bought this debt and added a screen shot of an old bill, an old bill screen shot is not verification. They are claiming I have 4 accounts with them and can con provide me with proper documentation. They are reporting on my credit report and hurting my good name.
Product: Debt collection

Rise has contacted me 122 times since XX/XX/2019. It is ridiculous since they get payment from me every two weeks. They harassment has to stop. They need to remove me from the auto dial list immediately. When I reject a number they call back from another trunk number.
Product: Student loan

Navient has repeatedly either misapplied payments with clear instructions in compliance with Navient 's instructions so as to collect more interest. Additionally, on more than XXXX occasion, Navient incorrectly charged late fees to my account in good standing.
Product: Credit reporting

XXXX XXXX charged off an account of mine in XX/XX/XXXX. There were payments still being made. I had been under the impression that the balance was actually paid off. No communications from barclays until XX/XX/XXXX when doing a background check for employment. Found the balance double the limit. XXXX has told they tried to contact me for a brief time, ultimately it was not their responsibility and that they sold it off to a debt collection agency ( this was told to me by a member of the office of the president ). I never had such an account on my report, no such company has ever tried to contact me. The balance has been paid in full. I have asked barclays to present post dated proof, where they have attempted to contact me. I do not trust what they log in their system. That can always be altered. I want physical, post dated proof, because I was not contacted for a period of three years. Further, they charged off an account which was still being paid, I have confirmation of payment emails still in my inbox. 

I demand that this trade line be removed from my experian report.
Product: Bank account or service

I have a checking account with US Bank that was fee-free if I kept {$5000.00} in a linked savings acct. In XX/XX/XXXX, they put a notification in the statement that if the savings amount was not raised to {$10000.00}, they would institute a $ XXXX monthly fee. I never saw this fine print. They never sent me an email and never confirmed that I received and agreed to this new fee. When I next looked at my statement, I had been charged {$15.00} a month for 6 months ( {$90.00} ). When I complained, they refunded {$45.00} but refused to refund the remaining {$45.00}, stating that I was lucky they even gave me {$45.00}, and they were only doing this as a " goodwill '' gesture. To surreptitiously add fees like this without positive opt-in from the customer or confirming that the customer was aware are typical underhanded methods of defrauding customers as long as it is technically legal. The whole reason I opened this account was to have a place to keep money for a non-profit corporation where there would not be much activity. Customers can not be expected to read all the fine print in every statement to avoid getting stuck with surreptitious fees. Their response was typically arrogant and condescending. I think US Bank should be held to account for their behavior. The law should be changed so that they have to have proof that the customer is aware before they can implement charges by fiat.
Product: Credit reporting

Transunion has repeatedly not updated my score and continue to drop my score regarding XXXX student loans by the US Department of Education that are totaled at {$33000.00}, that are in deferment and have been since the end of last year. They consistently drop my rate with no changes in my credit report, besides only reporting NON UPDATED information. Transunion seems to consistently drop the ball out of all XXXX report agencies, as the others are more updated then them and exceed the score they currently report by over XXXX points. This is becoming a hassle and I am looking into a class action suit, as Transunion has been a consistent issue in regards to reporting my correct score.
Product: Credit reporting or other personal consumer reports

I'm demanding Equifax shall block the following accounts below from my consumer report pursuant to 15 USC 1681c-2 ( a ) no later than 4 business days of receipt. Do NOT " reinvestigate '' these accounts with eOSCAR, as you've failed to do so in the past. Your company is furnishing and reporting FRAUDULENT accounts on my consumer report I did not give Equifax my written permissible purpose to furnish these accounts therefor Equifax is involved in identity theft pursuant to 15 USC 1681b ( a ) ( 2 ) .Please block and delete the following accounts and information on my consumer report immediately : 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, DEPT of ED/XXXX  ( XXXX ), XXXX of ED/XXXX  ( XXXX ), XXXX XXXX XXXX XXXX )
Product: Debt collection

I have disputed a collection from Wakefield and Associates through XXXX, XXXX XXXX and XXXX. I explained to all 3 credit bureaus that the information that they were reporting was inaccurate and they were violating my Fair Credit Reporting Act. I explained to all three bureaus that they were in violation of 15 USC 1666 ( b ) and 15 USC 1681 b-A ( 2 ). After I submitted my dispute to all three bureaus. Then on XXXX XXXX XXXX XXXX and XXXX removed the collection from my credit profile, but experience ceased to do so. XXXX said that after they investigated that they have come to the agreement that the alleged debt has met FCRA requirements, which clearly told me that they did not do so and they have violating my FCRA rights.The amount of this alleged date is {$1300.00}, and the name of the original creditor that's on my XXXX profile is XXXX XXXX XXXX, both of these statements are inaccurate and can not be validated due to false statements on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of XXXX  to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.
Product: Checking or savings account

I made a deposit of over {$10000.00} on XX/XX/23. The bank told me there would be a hold on the check and I asked the bank to release the hold early because I have to pay the depositor 's insurance with the check. They said the bank XXXX would call me when the hold was lifted. The bank XXXX called me on the XXXX and let me know the hold was lifted. I begin to make transactions from the account after the call. The banker forgot to life the hold and I ended up getting charge 14 late fees of {$36.00} each.for each transaction that I did. I had the money in the bank but they charged me anyway. I asked the bank to refund the money because it was not my fault and they refused. They charged me {$500.00} and I want my money back. I would not have made the transactions if the banker hadn't told me she lifted the hold. She forgot to physically go into my account and lift the hold but she won't take responsibility for her mistake.
Product: Payday loan, title loan, or personal loan

I made the payment on  XXXX   XXXX  i handed a check to teller the check was cashed and money was deducted from my account on  XXXX / XXXX /  XXXX   i recieved a call on  XXXX / XXXX /  XXXX   about a missed payment i returned the call  XXXX / XXXX /  XXXX   told huntington national bank that i had made the payment they wanted a fax of check front and back i went to my bank pnc faxed it on  XXXX  called huntington national to have them verify recieving it they said it would take a day to go through i called again on on  XXXX / XXXX /  XXXX   they was unaware of the fax then found it said it would have to be researched i called again  XXXX / XXXX /  XXXX   and was told that it needed researched i have given huntington natio nal 4 w orking days to repair my credit report and havent had it done yet i would like my credit history mended and account current
Product: Mortgage

My loan officer XXXX from guaranteed Rates approved me to purchase a XXXX XXXX failed To Due her diligence duty to her client to get the loan approved. The underwriter stated it was a miscalculated causing me to loss my new home And my earnest money. Now me and my kids or staying with relatives but my home I was staying in is no longer available. I feel like it was discrimination because it was always something just taking me threw different loops. This loan officer and company should not be allowed to treat clients and families like this, especially when you trust them with your life savings to get a home to end up with nothing
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate. without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025 -CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Account type Collection 2NATIONAL CREDIT SYSTEMS Account number XXXX XXXXAccount name 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 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 permission 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items shall be other than records of convictions of crime 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: Credit reporting, credit repair services, or other personal consumer reports

Fortiva continues to not report my credit card data to all three credit!! This has been in existence for 17 months! Fortiva refuses to try to understand and or do anything about it! 
I have submitted complaints and Fortiva lies and says they have been working on the problem! They have not! My account is not even a tradeline for XXXX or XXXX! They just ignore this and as I continue to point out that updating a non-existent is not working! They have to establish Fortiva as a Tradeline for those bureaus but refuses to do anything about the problem! Can you please help me this time?
Product: Credit reporting, credit repair services, or other personal consumer reports

In general, I believe that the credit reporting agencies have too much control of our lives. Also, that they conspire together to control the algorithms that make the fico scores and its all too confusing for the average person to understand. I am a XXXX XXXX and I understand Its all a scam to charge poor people insanely usurious interest rates. They make it impossible for a person to move from a poor to good credit because when you are rated poor the financial products are terrible and you cant get ahead. 

Experian is constantly pressuring me about membership that costs XXXX per month. I joined once and had a real nothing BOOST It took two months to drop the XXXX  service and when I did my score dropped from XXXX to XXXX and then XXXX. 

You know its all a scam. Experian Boost and XXXX XXXX prey on the poorest to take on credit cards with XXXX limits and XXXX membership fees.You probably cant do anything about this but you should. 

The whole credit reporting system should be rebuilt
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for failing to correct inaccurate information on my credit report despite multiple disputes. Their negligence in upholding the Fair Credit Reporting Act ( FCRA ) has resulted in significant emotional and financial hardship. 

Despite submitting disputes on XX/XX/year>, XXXX, and XXXX, All the creditors ands collection agency I mentioned failed to conduct a reasonable investigation and instead verified false information without reliable proof. This has resulted in : Significant Damage to My Credit Score, limiting access to affordable credit.

Financial Hardship, due to higher interest rates and loan denials.

Emotional Distress, from repeated failed attempts to resolve this matter.
Product: Credit reporting 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 tem of information, other than records of convictions of crimes which antedates the report by moe than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the account below!
Product: Money transfer, virtual currency, or money service

My name is XXXX  XXXX. I had contacted the website XXXX to buy one of their dogs. They have a legit website, testimonials, everything to look real. The cost of shipping was included with the dog. Total cost XXXX dollars (XXXX through XXXX and XXXX to the delivery driver). So my friend actually sent my money with her XXXX   app since my bank doesn't support it (Her name is XXXX  XXXX). She banks through Wells Fargo. The email for the recipient for XXXX  was XXXX (so his name is XXXX XXXX??). After I sent the money I typed in the web address of the dog adoption site and it showed up on XXXX.  The seller denied fraudulent claims. After a few text I've heard nothing. It was obviously a scam, and scammers love XXXX  apparently because there is no fraud protection. The number (which is never answered) is XXXX. So I don't know if there is anything that can be done. Also if my friend XXXX  needs to file anything?  She did contact Wells Fargo shortly after sending the money. Probably won't get anywhere with that.
Product: Credit reporting or other personal consumer reports

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 The following personal information is incorrect. Please remove it from my credit report
Product: Payday loan, title loan, or personal loan

I was notified of approval and needed to finish the documentation, I called and emailed to try and verify info but they didnt answer my questions, I went on to finish the application even linking it to my bank. 
It was denied for information I could probably have corrected or provided statements for, I was never ever given the chance to correct the issue. 
This seems not only deceptive but misleading into a contract.
Product: Debt collection

After reviewing my credit report ( s ), I was surprised that Convergent was reporting an alleged debt with XXXX, which I had previously disputed with XXXX XXXX XXXX XXXX ( " XXXX '' ) in XXXX XXXX. Attached you will find the telephone log that highlights two telephone calls made to XXXX, at XXXX, on XXXX XXXX, XXXX. During those calls, I disputed the alleged debt with XXXX ; however, in the second call, at XXXX, I specifically requested verification of the debt. After the person with whom I spoke became abusive and began to badger me about the reason for my request, it became evident that such information did not exist. I was told that the account would be closed and I would no longer receive further communications. To this date, I have not received any further communications and wrongly assumed that this debt had been removed from my credit report ( s ). I have attached a screenshot of my XXXX XXXX account, which supports my assertions regarding XXXX XXXX XXXX XXXX.