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

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

My name is XXXX XXXX and my Hippa Rights and the FDCRA rights that I have have been violated. Attached you will find the letters I mailed Professional Placement regarding two hospital bills on my credit report. They in turn responded with my personal medical information that you will see attached. I have never given permission for them to have my personal medical information nor access to my social security number and my personal credit report. 

The Standards for Privacy of Individually Identifiable Health Information ( Privacy Rule ) establishes, for the first time, a set of national standards for the protection of certain health information. The U.S. Department of Health and Human Services ( HHS ) issued the Privacy Rule to implement the requirement of the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) .1 The Privacy Rule standards address the use and disclosure of individuals health informationcalled protected health information by organizations subject to the Privacy Rule called covered entities, as well as standards for individuals ' privacy rights to understand and control how their health information is used. Within HHS, the Office for Civil Rights ( OCR ) has responsibility for implementing and enforcing the Privacy Rule with respect to voluntary compliance activities and civil money penalties. 

I am intending on filing another complaint with The US Department of Health & Human Services.  I am asking you to please help me prevent them from doing this.
Product: Credit card

American Express continues to deceive customers to believe that they are on the card member 's side ( even after the XXXX  penalties ). 

Recently, after speaking to several agent, who encouraged me to use their dispute program promising me a fair resolution, I decided to use Amex dispute process in lieu of the merchant 's own dispute program. However, evidently, Amex dispute department did not even read the initial dispute documentation I provided, which should already invalidate the merchant 's defense.

It was clearly stated upfront that I am aware of my responsibility of returning the broken / defective and not as described merchandise. However, per the merchant 's own policy ( attached as a part of the supporting documents ), the merchant is liable to pick up or otherwise assist the buyer ( me ) to return the merchandise. At the minimum, the merchant is required to : 1. Provide an adequate return label ( the one provided was invalid or at least inadequate ). 
2. Provide packing / moving reimbursement.

3. Provide assistance in removing or packing the hazardous material associated with this return. 

All the above was clearly outlined in the merchant 's own policies. Yet American Express did not thoroughly examine all the documentation I provided. I was repeatedly promised a fair and adequate resolution by American Express. That's why I decided to participate and use your card for this transaction. Yet, I am left in an impasse. Because I selected American Express 's dispute program, I am no longer qualified to participate in the merchant 's own program. Now I am out XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent written correspondence via Certified U.S. mail to Comenity Capita/XXXX requesting that they delete 1 inquiry on my credit reports dated XX/XX/2021, considering that I did not authorize anyone employed at Comenity Capital/XXXX  to make any inquiries, or view my credit report. This is a blatant violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, as I did not personally submit an application to Comenity CapitalXXXX bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen Loan servicing keeps incorrectly showing my account as being late. 
They recently transferred my account to PHH, in the process of switching account they reported that I was late in XXXX 2019. This is incorrect as I have paid my mortgage payment on XX/XX/XXXX for the XXXX payment. 
I tried to dispute this with XXXX, but they keep denying my request even with a copy of my payment history that clearly shows that I am not 30 days and did in fact pay my XX/XX/XXXX2019 payment, and my XXXX and XXXX 2019 payments.
Product: Debt collection

Company is repeatedly calling and not identifying itself or full purpose of the call. They will not answer questions and refuse to stop calling when asked. They continue to call using different numbers in an attempt to hide the repeat calling pattern. 

They are calling from XXXX, XXXX, XXXX, XXXX and others with similar suffix changes.
Product: Credit reporting or other personal consumer reports

The Company reported my loan as 30 days late 3 times ( XXXX, XXXX, XXXX. ) on the report which it is not. The latest being for XXXX even though we are still in the month of XXXX. I contacted the Company and Bureaus to report it and it was verified by the Company. When I called Upstart they claimed they don't have a credit reporting department and therefore there was no one to talk to and to contact the Bureaus. It has jus been a back and forth...
Product: Debt collection

XXXX XXXX was the credit card provider for the debt of {$1400.00}. The cc was opened XX/XX/XXXX. I went delinquent on this loan of XX/XX/XXXX. The delinquency was due to lost of employment XX/XX/XXXX and also separation. XXXX XXXX sold off this loan to Portfolio XX/XX/XXXX making my debt start all over again. I dont believe that i should wait another 7 years eith Portfolio The debt collection agency said it will stay another 7 years on my credit bureaus. This has to be unfair.
Product: Debt collection

Im the fall of 2020, a settlement was reached with Synchrony Bank to settle a credit card debt for less than what was owed. All payments were made. In XXXX of this year, I discovered that they had turned the debt over to a collection agency claiming that they didnt receive one of the payments. I have sent proof that the payments were made, but they keep denying my disputes and wont remove this debt from my credit report. The name on my account is XXXX XXXX, my previous name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian and XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score..Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We are behind on our mortgage by XXXX payments and some late fees. My husband arranged for XXXX payment to be made from our checking account on a certain date ( following his next payday ). I have since received XXXX phone call requesting immediate payment of the entire amount owed and XXXX calls that I did not answer ( prior to the scheduled date ). Serterus has both of our cell phone numbers and it seems that, since my husband has arranged a payment, they are now calling me.
Product: Payday loan, title loan, or personal loan

I traded my XXXX XXXX XXXX lease in back in XX/XX/XXXX. My lease was traded in early, XXXX bought my lease out in the amount of XXXX which was the buy out amount. Im now a customer with XXXX and now leasing a XXXX XXXX XXXX. 

I received a bill from Toyota for the XXXX XXXX that I no longer have as of XX/XX/XXXX. I called Toyota Financial speaking to a rep who confirmed the reason I was sent a bill is because an odometer statement was not received. In addition they could not process the check until this item had been received. I was told to contact the dealer to send this info via fax. 

I call my dealer speaking to my salesman I told him about the situation and said that Toyota is calling for the odometer statement. He said he never sent one of these before and couldnt believe that Toyota was asking for this. He said that he would discuss with his boss and get back to me. This was fine I later received a text of the invoice that said the car was bought out by XXXX. My salesman called me to let me know he text me the invoice I confirmed receiving it. 

I then called Toyota the second time speaking to a new rep, I explained the entire conversation from the beginning and was told that I needed an odometer statement. I said that XXXX never sent a odometer statement in the past. The rep said in order to close the account that the statement was needed. 

I did my part by turning in my plates and going to the dmv etc Ive got all my receipts. So now Im caught in the middle and frustrated because XXXX will not send the odometer statement I guess to protect me or them from fees? I dont want this on my credit as Im trying to clean up my credit now. I really need help in this matter as you can see its really ridiculous Id be stuck in the middle of something that should have been taken care of from the beginning. Im not the owner of the car XXXX is I feel like any invoice concerning the XXXX should go to them not me!
Product: Credit reporting or other personal consumer reports

Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Debt Collect Practice Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting Verification, I am requesting a Validation that is, competent evidence that I have some contractual obligation to pay you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to XXXX, XXXX and Transunion regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XX/XX/XXXXXXXX XXXX {$5400.00} Open Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance {$1600.00} Open Date XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX Balance {$10000.00} Open Date XX/XX/XXXX XX/XX/XXXXBalance {$38.00} Open Date XX/XX/XXXX XX/XX/XXXXXXXX Balance {$18000.00} Open Date XX/XX/XXXX 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

In 2021 I co-signed an apartment lease for my son who is in college. When he moved out the complex tried to charge us for items that fall under normal wear and tear thus not allowed to charge us. They sent to collections - ProCollect and I didn't pay because I felt I didn't owe the money. ProCollect a collections on my credit report and my son 's credit report. Once it hit my credit, I called ProCollect and told them I would pay the balance in full if they delete the collections from mine and my son 's credit report. They agreed and I paid in full but now they will not delete the account, they just show it as a XXXX balance. This has dropped my XXXX XXXX XXXX points and is adversely affecting my abitlity to obtain a mortgage for a property I want to buy. When I contact ProCollect now they say they don't do deletions and then they hang up on me.
Product: Vehicle loan or lease

I had my loan serviced through Ally Finacial and have decided to surrender my unit due to threatening collection practices being done by the collections department. They use different numbers to get a hold of customers and went as far as calling me blocked on several occasions. They would threaten me to pay and would tell me that my car was going to get repossessed even though at times I was only a week or two behind. The agents would not notate the account and when I called in they denied this. This is called deceptive phone practices and I feel like I was being discriminated against due to my race. I want to put together a class action lawsuit because I know I am not the only customer that his happened to. I have a record of the calls and voicemails from blocked numbers. Please reimburse me my funds and treat your customers right. You can not call blocked and or stop documenting accounts. I will post on social media and also send a complaint to the attorney general and federal trade commission.
Product: Debt collection

I bought my son a computer for his XXXX from Best Buy, the salesperson promised me that if I bought that certain computer that it would play my sons one and only game that he plays on a laptop, XXXX and that it would download fast, the graphics would be great and there wouldnt be any lag. This laptop does not even have enough room to even download the game. I took my son to Best Buy to return the computer and they said to speak to the Geek Squad which I did and they assured me once they did a master reset that it would work great! My XXXX year old son was so excited. We went home after they did the master reset, it still didnt have enough memory to load the game. I go to the store the next day and they tell me I am a day late from returning it and it is no longer returnable. So the day I was there, it could be returned but The Geek Squad assures my son and I they it would work, we left there at XXXX and they were closing so they wouldnt download the Fortnite site for me and told me to do it when I got home. I called but they were closed, I went in the next morning and they said I could no longer return it or get a merchandise credit! This laptop sits in a drawer and no one uses it or wants to use it because it is a horrible expensive computer and I had to buy him another laptop. I told them I will not be paying for it as I was assured by their own people that it would work instead of returning and them telling my son its one of the nicest laptops and his games will work perfectly! So we believed them, we however did not know that It was the last day that we could return it, so even though I just wanted to return it, they said give it another day and Im sure everything will work great. The next morning I went in to return it and it was 1 day too late to return it! They can have their computer back and I want my card refunded and this off of my credit report please. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit report for XXXX that was resolved in 2019 and I have asked XXXX to remove it and it was not removed. I sent a complaint to Experian, XXXX and XXXX to have it removed and all they keeping saying is the debt is being reported correctly, it is not. This debt was resolved and Cancelled by XXXX and needs to be Removed from my credit report. Attached is the cancellation of debt from XXXX showing this debt was cancelled.
Product: Student loan

I have been making regularly scheduled automated payments for over 10 years without a single missed payment. My total student loan debt is divided into three loans, 1 subsidized and 2 un-sub. I have been mailing personal checks for payment to principal on the lowest balance loan since XXXX XX/XX/2018. These checks have included specific instructions in a written letter to apply the principal payment to Sequence Loan # 3, with that info also included on the check itself. I have made seven payments this way since XXXX XX/XX/2018 while my regularly scheduled payments have continued to be made by automatic withdrawal from my checking account on the XXXX of each month in the amount of {$300.00}. Of the seven principal only payments I have made, 5 of them, including the one posted yesterday, XXXX XX/XX/2018, have been misapplied to all three of my loans instead of the individual loan I designated in writing. Each time I have had to either call customer service or email them to request the payment be correctly applied according my express written instruction. In each case they have complied but it takes them several business days to do so. I don't give a flying flip if they corrected each one, this is an incredible failure rate of 5 out of 7 payments over the last 86 days. They don't expect consumers to monitor every single payment like I do and they hope that these 'errors ' will go unnoticed. This is a direct and deliberate effort to keep students in debt for longer periods. Further, my 'principal only ' payments are being applied to interest also, which is illegal. I make regular monthly payments by automatic EFT which cover the monthly obligated interest on all three loans. AES claims that their fine print states that any payment received must be applied to principal and interest due compounded daily. They are using a loose and biased interpretation of banking & finance regulation to twist the process in their favor and keep students in debt for longer periods. Judging by the sheer volume of complaints I have read about PHEAA/AES it is clear that I am one of THOUSANDS of student-loan borrowers who are being screwed by this company. WHY ISN '' T ANY AUTHORITY DOING SOMETHING ABOUT THIS FRAUD!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a completed investigation of a bankruptcy record on my consumer report in which I have asked Equifax to provide me with it's description of investigation in accordance with FCRA 611 ( a ) ( 7 ) .According to the letter received on XX/XX/22 confirmation # XXXX ( See Attached ) Equifax stated that the record was received from " XXXX XXXX ''. As of XX/XX/22, XXXX XXXX has certified that no record of a bankruptcy is present in my consumer file and they have provided me with an 80 page report in which I have reviewed thoroughly along with my attorney. Please see the attached letter ( Case # XXXX ) .Equifax has violated the FCRA law and therefore must remove this record from my consumer report. Equifax has failed to provide proof of the completeness and accuracy of this disputed record and therefore this record must be deleted as required by law.
Product: Credit reporting or other personal consumer reports

Nissan has continuously reported inaccurate negative information about the status of a lease that was settled and that they were to correct the information on in lieu of being sued for damages. Nissan engaged in unlawful consumer fraud activities and harassment. During the course of 3 weeks Nissan and XXXX have changed the info on my credit account 3 times and XXXX has changed the numbers on my credit score 3 times. Nissan continues to report false information to the credit bureaus and XXXX despite having supporting documents continues to handle my credit report irresponsibly causing harm and distress. Attached are the erratic actions taken with my score and account info.
Product: Mortgage

XXXX  is imposing modified loan terms on us. The company added a Shared Appreciation Mortgage ( SAM ) balance to the loan that should have been waived according to the SAM agreement. 

This complaint relates to a mortgage taken from Ocwen on a primary residence in NJ, the terms of which were modified after the last financial crisis to a lower interest rate, with a SAM clause. The SAM clause provided for the SAM balance to be waived after three years of making payments without defaulting. 

Ocwen assigned the mortgage to XXXX, with PHH mortgage acting as the loan servicer, according the letter from XXXX. 

The heart of our complaint is that after years of making payments on time, and paying the balance down to USDXXXX, XXXX  wants to impose an additional USDXXXX on us, in breach of the SAM agreement, and in breach of the decency one would expect from a mortgage lender in the midst of the COVID-19 crisis. 

The loan modification was completed towards the end of XXXX, and shortly after the agreement was completed, we began to make regular monthly payments. Having made payments without missing a month for more than 6 years, one would expect that the SAM balance would have been removed. It was not. 

We called XXXX  to ask that the SAM balance be removed in XX/XX/XXXX, and they did not agree, arguing that the terms of the SAM agreement allowed them to keep the SAM balance. 

We considered that our request had been heard, as you can see in the attached letter, that a Welcome package was sent to us without the SAM balance. Then XXXX   turned around to say we owe them a SAM balance. 

We hope you can kindly ask XXXX  to review the long history of on-time payments to comply with the SAM agreement, the fact that the nation is currently in a pandemic crisis, and basic human decency, so that they remove the SAM balance and report the correct amount for our mortgage balance. 

Thanks in advance.
Product: Debt collection

On my XXXX credit report it says that i owe CONVERGENT OUTSOURCING XXXX from XX/XX/2018 from a XXXX bill. I called XXXX and they state there is no record which could mean the debt was sold. I have not owned a XXXX phone since XXXX i have sent verification of that fact and 3 months ago i contacted CONVERGENT OUTSOURCING and asked them to please verify this debt. I wrote them a letter, i sent an email and i called their customer service line. They have still not verified this debt. Since i have not heard anything back from them I disputed this debt with XXXX. XXXX in turn states that they have validated this debt. I call XXXX and ask could i please have a copy of the validation they received and they state no its private information. No one will give me anything to validate this debt and yet it stays on my credit report and XXXX  refuses to remove it.
Product: Debt collection

Capital one bank kept increased my credit card limit to temptated me overspent, now i couldn't afford to pay even the minimum due, and they keep charging late fee while they said they will pur me on a program that won't charge me late fee. I can't afford to pay them, so scary, they want to kill me. Help.