23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX : # XXXX, XXXX XXXXXXXX : # 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 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: Mortgage

In XX/XX/XXXX I changed my mortgage insurance company from XXXX to XXXX. I was told once I receive the check from XXXX XXXX XXXX, send it to the Roundpoint mortgage company. If I did n't I would get a penalty. I received the check and as what was told to me is what I did in XX/XX/XXXX. Upon receiving an Analysis from the Mortgage company in XXXX XXXX is when I notice that my mortgage had excessive increase starting XX/XX/XXXX. I called Roundpoint Mortgage XXXX to find out why. I was told that my escrow was short. I brought to the attention that I had sent a check in XX/XX/XXXX to return the funding of my escrow. This is when it was brought to my attention that the check was applied to the principle acct # It was sitting from XX/XX/XXXX to XX/XX/XXXX. I wrote on the check that the check was for the escrow acct #. First I was told that I had to fix this myself. I mention I did what I was suppose to do and someone there need to fix this immediately. I contacted XXXX XXXX company who I originally had contact with to file a complaint. The following week I notice that my mortgage payment for XX/XX/XXXX was still in my bank account. I called Roundpoint Mortgage to make sure that my payment was taken out in a sufficient about of time to pay the mortgage. That 's when I was told that everything was ok. And, my problem was fixed. My problem has not been fixed I am still being charged the excessive amount for my mortgage starting XX/XX/XXXX. And I feel that due to the fault of the Round point Mortgage I am being penalized. I have never been late on my mortgage payments.
Product: Debt collection

West & Associates, a company in XXXX, California posing as a collecting agency for XXXX, collected money I owed XXXX bank but did not pay this money to XXXX bank. XXXX bank denied West & Associates was their collecting agency.
Product: Debt collection

Multiple calls from two numbers : XXXX Call asking for an " XXXX '' ( After finally calling the company back, the communication was EXCEEDINGLY rude, and I was hung up on after asking for them to identify themselves and WHY they continued to call me. Particularly when I had said I didn't know who this person was. ) and XXXX Call asking for a " XXXX '' ( Multiple calls. Final call was with harsh communication stating there had been " several letters sent on letterhead ; very much a lie. And threats of legal action. Also tried to call back, left messages to have them call back and identify themselves, with no response, after I stated I was NOT XXXX nor did I know who this person was. )
Product: Credit card or prepaid card

My bank account was attacked by fraudsters on XX/XX/XXXX using detail only available on an idle Serve account. When I called to cancel my account and request a complaint be filed for data breech, the customer service agent did not know how to address my concern. Instead, he made me repeat my request several times, then transferred me to another line, which kept me on hold for several minutes. I disconnected after more than a a five-minute hold time.
Product: Credit card or prepaid card

I opened up a Blue Business Plus Credit Card from American Express with a welcome-offer bonus of XXXX Membership rewards points after spending {$3000.00} within 90 days of account opening. 

The account was opened on XX/XX/XXXX and met the {$3000.00} minimum spend requirement on XX/XX/XXXX. I HAVE NEVER received the bonus, and when I first contacted American Express ... they told me the welcome offer was NEVER attached. 

I have contacted American Express on three separate occasions on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Office of Recovery is reporting an erroneous debt on my credit file. I have attached a letter from The State of Utah, ORS stating i no longer owe this debt. I need this debt to be removed from my credit file, i do not owe this debt and i haven't for a while now.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, if disputed items can n
ot be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a ti
mely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in
my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I sent a transaction from one wallet to another on the site. Reference code XXXX. 
The transaction sublitted on XXXX/XXXX/XXXX and was stated to be transferred on XXXX/XXXX/XXXX. 
It is now XXXX/XXXX/XXXX and the item is stuck in pending. 
I have done various other transactions with the same parameters and they have cleared fine. 
I have contacted the company through phone call 4 times and email XXXX and have been promised it will be cleared that day with no response or action after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) I have a current creditor on my credit profile that is constantly increasing and decreasing payment amounts due, reaging debt. I have submitted various of disputes to the credit bureaus to investigate this to no avail. This creditor is also altering last activity dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reporting on my credit file incorrectly and there are some items that do not belong to me : The following that is incorrect are : 1. XXXX - This account is showing inaccurate late for XX/XX/XXXX - XX/XX/XXXX ; please provide me with proof of these inaccurate reportings are correct. 

2. XXXX  XXXX - This account is showing inaccurate late for XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ; please provide me with proof that these inaccurate reporting are correct. 

3. XXXX - This account is showing inaccurate late for XXXX & XX/XX/XXXX ; please provide me with proof that these inaccurate reporting are correct. 

4. Incorrect Address Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following accounts does not belong to me. This is not my accounts : 1. XXXX - This is not my account ; I never opened this account. 

2. XXXX XXXX - This is not my account ; I never opened this account ; Bal : {$0.00} 3. XXXX XXXX - This is not my account ; I never opened this account ; Bal : {$4200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX I have asked for information for the reporting company for any signed documents that this loan belongs to me and it could not be furnished. Despite the fact that someone else is paying for this loan in a timely manner, it does not belong to me. I have never needed a loan for school because my tuition was mostly paid by my federal financial aid.
Product: Debt collection

XX/XX/XXXX And XX/XX/XXXX also XX/XX/XXXX on all three of these days the company refused to comply with the guidelines associated with insurance through comenity bank and the assurant policy which was purchased several months before the account became late. Then on XX/XX/XXXX customer service refused to transfer the call regarding changing the statements from electronic to paper, refused to send a paper Statement. On XX/XX/XXXX the company refused to modify the issuance of statements from electronic to paper then after " fully verifying '' the man on the phone said " ALL OF YOUR PHONES HAVE BEEN BLOCKED. '' This was at the end of the call and the man was unusually reluctant to allow paper statements for the account.
Product: Debt collection

A fraudulent and scam company that goes around and steal people 's identity and then put information on their credit report that consumers owe them has attacked me. 

The scam company is MRS BPO , LLC and they have placed this information on my XXXX credit file. I do not know who this company is, I have never done business with them and I have never been contacted by them bout any debt. 

I have absolutely no idea what this scam company wants. They have obtained my information in some illegal and fraudulent manner and are using it to demand money from me that I do not owe. 

MRS BPO , LLC put this information on my XXXX credit report in hopes that I will be ignorant of the law to call them, and then MRS BPO , LLC. can harass me and hunt me down for money. 
They have never contacted me yet they have my information and have used it in a fraudulent manner to extort money from me. Take the derogatory information from my credit file
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is currently showing 30 days late for the month of XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, To whom this may concern I have sent letters out on the XX/XX/2023 to remove all incorrect information on my credit, I provided ARS with a letter demanding the original contractor or letter of agreeance stating that I signed a consent form for their collection agency to take over to my contract, I even provided proof of identification ensuring that it is I requesting these hard inquiries be removed immediately from their reports and my credit report. In each letter I stated that I would like to receive my proof of reassurance by mail addressed to the address printed on the letters and I also gave them 30 days to do so and by law since they have not been in contacted with me within those 30 days assuring that they are entitled to remove all incorrect information and hard inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INQUIRY DOES NOT BELONG TO ME, I WOULD LIKE THIS TO BE REMOVED PLEASE. 

NAME : XXXX XXXX  XXXX XXXX DATE : XX/XX/2019
Product: Credit reporting or other personal consumer reports

( Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe following personal information is incorrect. The personal data reporting is inaccurate.
Product: Credit card

XX/XX/XXXX i noticed a charge i did not make on card # XXXX called bank was told to cut up card. new one arrived. no problems for a week or so then saw the same charge back on my new card # XXXX called bank and was told there was a problem and card # XXXX was being sent.card # XXXX was sent to XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX on XX/XX/XXXX there were XXXX charges totaling XXXX these charges were made in person in michigan. within the hour of these charges being made i was in a truist bank in XXXX ga. I DID NOT MAKE THESE CHARGES. my online banking was hacked and all my info was changed so the bank sent my new card # XXXX to michigan. XX/XX/XXXX truist investigation determined that since the chip card was present at the locations in michigan they denied my claim and have charged me intrest and late fees. my balance now is XXXX my credit score has dropped XXXX points and have have collections calling me. i want someone at truist to get to the bottom of this and clear my balance and fix my credit. These charges were removed from my account on XX/XX/XXXX and i thought that was the end of it.I had no communication with them until my credit score went down and i logged on to my account and the charges were back on there with intrest and late fees. I received a letter in the mail dated XX/XX/XXXX this was my first contact since i thought my acconnt was clear. I have never had any problem with Truist bank before and the people at the bank have been real helpful but who ever they report to have dropped the ball on this case.
Product: Credit reporting or other personal consumer reports

Before my identity was stolen because of the data breach because of Equifax, the credit reporting agency. My credit was XXXX. When my identity was stolen it went all the way down to XXXX. After working tirelessly on this by myself although I was supposed to be getting help from the identity restoration specialist I have a question. When does this end when am I going to be protected by the laws that govern the state of California? When I turn in police reports when I turn in all of the stuff I have been told to why isn't that good enough? Because of this nightmare I have been denied my social security XXXX claim and this is your fault because I could not do my taxes because someone else was turning in taxes in my name and now social Security is treating me poorly. And do you think that you can get anybody on the phone at your company nope. The most important grievance that I have and that I need to have rectified is, how come I get to work up to a measly XXXX points when I was at XXXX prior to the theft why can't I have my credit score back you are the ones who got it stolen and y whole life had been ruined because of you. I did my part to show you what happened and I made my charges against the person who stole it how come you're not helping me now ever you've never helped me I want my credit score back it's your fault that it's like this I think that you need to give it back to me and wipe all the stuff off the credit report that I have because I have proven that it is not mine.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XXXX XXXX XXXX XXXX : {$4000.00} XXXX XXXX XXXX XXXX XXXX : {$2400.00} XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX XXXX : {$4000.00} XXXX XXXX XXXX XXXX XXXX : {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. I'm trying to get a house, and I couldnt believe my eyes when I saw XXXX XXXX XXXX, XXXX XXXX XXXX on my XXXX and Experian credit report. I wrote letters to them but they fail to satisfactorily verify the account, I follow up with them and gave enough time to correct this erroneous reporting but continued non compliance CFPB, you need to delete the account, the status is incorrect, the accounts are not a charge off, they were paid off. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing
Product: Debt collection

Experian Reported complaints : XXXX XXXX a medical ( XXXX ) issue of {$280.00} on XX/XX/XXXX which proves Experian would allow any compliant from any source. also XXXX XXXX XXXX debt of {$160.00} Secondly, XXXX XXXX XXXX keeps coming up as a credit card but it is not a plastic card XXXX it does not have ( VISA ) emblem on it. XXXX is not a credit card XXXX XXXX  XXXX, XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Back on XX/XX/XXXX I received a loan for {$370.00}. I was ONLY expected to pay back the {$370.00} and thats it but I am required to pay back $ XXXX? Thats ridiculous! I also noticed that in every other question that minto answers, they always end up saying there was a document stating that you have to pay back the interest within a 10 month installment. I did not receive any document via email stating that I had to pay back that much. I also was not able to log into my account to review any paper work because every time I would, it would say there is ACH activity active, so it would lock me out for weeks until my next payback date. This is a rip off. My last payment date of the {$370.00} should have stopped on XX/XX/XXXX but they are still charging me for THEIR mistakes. I want them to get rid of my information and cancel that account because I shouldnt have to pay back extra money for something that they didnt send me nor allow me to see for myself on my account. I even called a few times before requesting to log into my account and the answers were always the same. Its not fair. I read every single piece of information that was sent out when I received this loan and none of it stated that there was a extremely high interest rate. I am able to view the document now because I am able to log in now, but when I received the loan, I was locked out for months with no information on hand. I want and need them to stop now. They already have the $ XXXX that I owe so I need this to be resolved. This is XXXX.
Product: Debt collection

I have received several calls in an attempt to collect old payday loan debt. The caller insists criminal charges will be pressed if I do not pay them.
Product: Payday loan, title loan, or personal loan

I took out a {$150.00} title loan years ago. I paid {$100.00} the following month leaving a {$50.00} balance. 
The transmission went out and was towed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They informed me the bill was {$350.00} plus {$75.00} per day for storage. I only paid {$200.00} for the XXXX  XXXX. Im on XXXX XXXX XXXXXXXX and could not afford that. 

Only oweing {$50.00} to the title place I called them to inform them of my unfortunate situation, they got really rude! Their response was THEY DONT CARE! 

6 Months ago they tracked down my phone number. 

For 6 months straight 3 to 4 times a day they call and threaten me saying I owe them close to {$1900.00}! I asked please stop jamming up my phone like that. 
Their response was, we are not going to stop until you pay us money!! 

My XXXX phone bill shows every call, and now they are using a software on me disguising their number! 
I am so tired and sick of it. I do not want to change my number and feel I shouldn't have to. 
I took some legal advice and found out they can be fined up to {$500.00} for each time they called me. That would be my last straw! I wish they would please just stop!! 


It is Loanmax Title Loans in XXXX Kansas
Product: Credit reporting, credit repair services, or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX Balance : {$3600.00}.
Product: Credit card

I am filing a complaint regarding a charge of {$130.00} for a stay at XXXX XXXX in XXXX XXXX, NJ, which occurred on [ insert dates of stay ]. The issue centers around poor service and unresolved complaints with the merchant, XXXX XXXX, and AmEx 's failure to resolve the dispute to my satisfaction. 

During my stay, I encountered the following issues : XXXX. Unpleasant Room Conditions : I was assigned a room that had a strong cigarette odor. I immediately reported this to the front desk and requested to be moved to another room. The front desk staff informed me that they could not accommodate my request at that moment but assured me that someone would contact me. No one ever followed up or took any action. 

2. Unusable Ironing Board and Iron : The ironing board and iron in the room were filthy and unusable, which was particularly problematic as I was on a business trip and needed to iron my clothing. I alerted the front desk staff again, and they told me someone would bring a replacement ironing board and iron, but this never happened.

3. Noisy Room Location : My room was directly above the entrance, in a very noisy area. I mentioned this concern to the front desk, but no effort was made to move me or alleviate the noise.

As a Diamond Status member, I am accustomed to higher standards, including the ability to request room changes without additional fees. However, none of my requests were fulfilled during my stay. The hotel provided services that were far below expectations, and my attempts to resolve the issues directly with the merchant were ignored.

After my stay, I contacted AmEx promptly, providing all relevant details and documentation to dispute the charge. Despite my efforts, AmEx has failed to resolve the issue favorably, and I am now seeking a resolution from AmEx regarding this charge.

I have made extensive attempts to address the issue with XXXX XXXX, and I have provided AmEx with all the necessary information to resolve this dispute. However, AmEx has not taken action to resolve the charge of {$130.00}, and I am seeking a fair resolution. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

A collection company XXXX XXXX XXXX has decided that they will illegally try to collect on a XXXX account from XXXX. They are embolden by the lack of thoroughness to verify the debt by Experion, XXXX and XXXX. 

I've asked the collection company and credit reporting agencies for actual verification and they've not provided. I've disputed it and these companies obviously takes the word of the collection company without asking for verification documents showing when and where the debt occurred. 

Seven ( 7 ) years is the maximum time credit agencies can report a debt per Fair Credit Reporting Act ( FCRA ). I think it's fair to say 14 years exceeds that timeframe.