23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Original debt was with XXXX XXXX  ; subsequently, turned over to Allied Interstate LLC, a collection company. I closed my XXXX account, I requested and paid the remaining amount due over the telephone, and sent my equipment back as contractually required. XXXX  continued to bill me after all equipment had been sent back to them. XXXX  has recorded calls concerning this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Self incXXXX contract started by {$9.00} charged in XX/XX/XXXX {$150.00} charged in XXXX XX/XX/XXXX but this is less than minimum payment because they deduct interest which was 14 % I believed but they deduct {$21.00}. And they applied late fee because I did meet minimum payment. 
{$150.00} charged in XX/XX/XXXX but I didnt go thru. But if they charge XXXX it would be late for sure. 
XX/XX/XXXX, contract said on XXXX every month they tried to charge {$320.00} but failed so they said to add {$15.00} late fee again haha oh and report credit score as well XX/XX/XXXX they charge {$480.00} and successful. So they which I had no problem except they failed to charged on XXXX as they listed in our contract. 
XX/XX/XXXX they charged {$700.00} but failed. Again failing to charge the date they promised Then no more, they returned to my account. They refund me partial of money but reported me as late payment. Again not XXXX every month. 

They stopped our contract. Here is my point. They had breach our contract. I didnt even care how much they would charged but they failed to do so until XX/XX/XXXX as they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion did not properly investigate my credit disputes. I sent them all the required documentation see documents that Isent to them attached. The letter they sent out to me requested all the same information that I sent to them attached. The letter they sent out to me requested all the same information that I had emailed them with my request. The packet that I uploade her is exactly what I sent to them. They ar requesting duplicate information.
Product: Credit card or prepaid card

In XXXX of 2017, two charges of {$100.00} were charged on my Costo Citi Credit Card for XXXX which I did NOT authorize. I reached out to Citibank who provided back up information that the user was in XXXX and used a XXXX name and address and had no CVV code! I 've never been to XXXX or XXXX and vehemently dispute these fraudulent charges. I have now spent over 5 hours on the phone with various Citibank employees only to be told it was my responsibility to pay. THIS IS FRAUD and THEFT. Please help.
Product: Credit reporting or other personal consumer reports

[ CREDIT CENTRAL - XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CENTRAL XXXX, SC XXXX ] NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL IN REGARDS TO CREDIT CENTRAL - XXXX Account number XXXX I am writing to notify you of a serious violation of my consumer rights by your institution. It has come to my attention that you have furnished my nonpublic personal information to third parties credit reporting agencies including [ XXXX, XXXX, XXXX ] without my explicit permission, thereby breaching the confidentiality and trust that should be upheld in our business relationship. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I demand that you cease and desist from further disclosing my personal information without my consent.

Furthermore, I hold your institution liable for any damages that may have resulted from this violation, including but not limited to harm to my credit report. As such, I hereby demand compensation of {$1000.00} for each violation and adverse effects on my creditworthiness and financial standing. 

Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused.

I expect a response from your institution within 10 Business days confirming that corrective measures have been taken and providing details of any restitution offered. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights.
Product: Debt collection

XXXX XXXX XXXX called me and said they have not received my payment, so i logged in to my credit card companies website to provide them with the date and amount that was paid, and had them open a missing payment case. As soon as i got off the phone with XXXX XXXX XXXX, i called the credit card company and received a unique payment id number and called XXXX XXXX XXXX back and had them add the unique payment id number to their missing payment case. More than a month later, i received a letter in the mail from a debt collector, Sunrise Credit Services, and forward them the same paperwork proving that i had already paid the account in full before XXXX XXXX XXXX sold them a bogus alleged debt. Sunrise Credit Services has still not complied by removing the XXXX, bogus collections account from my credit report as i told them they are required to do by law. I am interested in pressing charges against Sunrise Credit Services for refusing to remove malicious lies from my credit report.
Product: Debt collection

I have 3 cases in XXXX Municipal Court - Small Claims where defendant received service on lawsuits at addresses I didn't reside at. I attempted to vacate the judgements but the court denied all 3 motions. I don't know what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report, which I have never seen before and it was shocking to see the amount of fraudulent activity. There were addresses that didn't belong to me and I contacted the credit bureaus and was told paperwork had to be sent to them to have my issues addressed. I told them I did not recognize the inquiries on my report and based on my consumer rights I wanted them deleted immediately, especially since XXXX and XXXX have had breaches that put my credit information in the hands of thieves. They said I would have to prove again who I was by answering more verification questions after they already verified who I was. I don't know if the agent understood what I was saying about my rights cause they did not sound like their first language was English. Out of frustration I filed a report with the FTC # XXXX. These accounts/inquiries should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.
Product: Debt collection

There are several dates between credit card company, that claim that I have a debt owed to them. As I now know that by my signature I became the creditor, I do not owe a debt and whatever payment that came out of pocket should come back to me. I have sent severals forms of negotiable instruments to each company with no acknowledgement. As per House Joint Resolution-192 declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. '' HJR-192 prohibits payment of debt and substitutes, in its place, a discharge of an obligation -- thereby not only subverting, but totally bypassing the " absolute prohibition '' so carefully engineered into the Constitution. Because of these reasons, I am making a complaint to all credit card companies that have been reporting late payments and have cause my credit score to decrease and also for not even acknowledging these facts not opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my home in XXXX. The mortgage company accidentally indicated that I was 30 days late on my payment for XXXX and XXXX on the old account. I contacted The mortgage company and they agreed to resolve the issue. Equifax has received a letter stating that the reporting was in error. The only change in my credit report was to mark XXXX and XXXX as 60 days late. They have not corrected the report and it is significantly affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my grandchildren
Product: Debt collection

This is a third party company I have no contract with. 15usc 1681a2 I sis not give written permission to have those accounts furnished on my credit report and I want them removed immediately from all credit bureaus.
Product: Debt collection

KIMBALL TIREY & ST. JOHN has been violating me for the past decade. I have never done business with them but they have been reporting negative information to the credit agencies which is ruining my reputation and defamation of character the correspondence is false and misleading. I have requested proof of the debt that they say they have against me I never received a paper with my signature on it. The amounts that they say are owe are different.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint with CFPB for continuing to report this account without investigation peR FCRA federal law these dates are incorrect and should be removed due to the expiration of time. 

Ally incorrectly reporting date of last payment as of XX/XX/XXXX, This account was opened in XX/XX/XXXX and entered into BK in XX/XX/XXXX and all payments stopped by divorce at that time. 

I have attempted many times for Experian to show results of an investigation and they have provided no proof as to their claim
Product: Credit reporting or other personal consumer reports

I am in the middle of a mortgage and have very good credit. It was discovered the same Navy Federal Credit card account was being reported twice on my XXXX report. 


First account ending in XXXX is showing an {$18000.00} balance and not updated since XX/XX/year>, this is the same account as ending in XXXX. 

Navy federal changed the card number from XXXX to XXXX and updated XXXX. XXXX refuses to correct this issue. 

They are showing two separate account open and in the remarks that " Consumer disputes account information. I HAVE NEVER DISPUTED MY NAVY FEDERAL ACCOUNT INFORMATION. As is it a perfect account in good standing. 

XXXX Reps have out right lied to me all week. Tuesday he told me he was NOT opening a normal 30 day dispute but an internal dispute and the duplicated account ( XXXX ) would be removed in 72 hours. I call back and the next rep tells me on XXXX that it is being removed as we speak. 
Its XX/XX/year> and it is still not corrected. Another rep and supervisor with XXXX refused to correct the problem and now blamed Navy Federal. 

Please Please Help me get this corrected asap. My home loan is depending on it. 

I currently only have one account ending in XXXX.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these items have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a scam email Dear Debtor, Despite our continued requests and patience, your past due balance of {$1200.00} remains unpaid. 

We have reached the point that unless the balance is paid in full or satisfactory payment arrangements are made by XX/XX/2021 then we will have no choice but to refer your account to the courthouse for lawsuit. 

This is not a step that we like to take, but you have failed to honor your commitment. 

We did our part and are hopeful that you will do your part now. We are sure you will agree that a good credit rating is important for everyone. 

This is our final request for cooperation. 

Sincerely, XXXX XXXX Legal Department Cash Central
Product: Student loan

I made a payment with Aidvantage and added my XXXXXXXX XXXX account. Aidvantage claims they can not find my account even though all the numbers are accurate. My payments towards my student loans keep being reversed as they can not take payments from my bank for some reason. I asked for a reason why and they only provided a copy and paste list of how to make payments. I already know how to make a payment but they simply won't take my money.
Product: Credit reporting or other personal consumer reports

I am writing to urgently seek your intervention regarding significant and ongoing violations committed by Experian, XXXX, and XXXX. These credit reporting agencies have breached several federal regulations, including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). These breaches have severely impacted my credit profile and financial standing.

The specific issues are as follows : 1. Reporting of Inaccurate Information : * My credit reports contain numerous inaccuracies, such as incorrect late payment
records, erroneous account statuses, and inaccurate balances.

* The agencies have failed to update my address, despite my explicit instructions that I have only one address.

* My name appears with multiple variations, although I have provided the correct spelling.

2. Violation of Legal Standards : * According to 15 U
SC 1681, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' * My right to have accurate and consistent credit reports across all three bureaus has been disregarded.

3. Lack of Response and Rectification : * Despite numerous requests for corrections and updates, the credit reporting agencies have not addressed the inaccuracies.

* I have requested written communication confirming the updates to my profile, but my requests have been ignored. 
These ongoing issues have caused significant distress and financial harm. The inaccuracies on my credit report affect my ability to obtain credit and can lead to higher interest rates or denial of credit, which is both unfair and unlawful. 
I urgently request the CFPB to take the following actions : 1. Investigate the non-compliance of Experian, XXXX, and XXXX with the FCRA, ECOA, Privacy Act of 1974, and GLBA.

2. Ensure that all inaccurate information on my credit reports is corrected promptly.
3. Mandate that the credit reporting agencies provide written confirmation of the corrections.

4. Hold these agencies accountable for their negligence and disregard for consumer rights.

I trust that the CFPB will act swiftly to uphold its mandate of protecting consumers and ensuring that these credit reporting agencies comply with federal laws designed to protect our rights and financial well-being. Your immediate attention to this matter is crucial and greatly appreciated. 
Thank you for your prompt assistance.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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
Product: Money transfer, virtual currency, or money service

Created account used a few times. Debit card was compromised and Zelle locked me out of the account permanently
Product: Vehicle loan or lease

Honda finance company is engaging in deceptive practices by by continuing to change the base price of my lease. the base annoynt of my lease is {$470.00}. Honda finance keeps changing it and increasing the amount of my lease.. every time I get somebody on the phone to try to fix they never returned my calls. They hang up. They dont fix the problem.. or they fix the problem for one month and then change it back again.
Product: Credit reporting or other personal consumer reports

I discovered some inaccurate details on my credit report, which I believe fall under 15 USC 16c-2. This incorrect information is negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Product: Mortgage

I have been helping my sister apply for a reverse mortgage. I bought a home approximately 16 yrs ago through a mortgage and sold it to her on a land contract to help her out. Difficult times costs her a second job so it got tough for her to make the payment these past few yrs. When she turned XXXX she applied for a reverse mortgage ( XXXX 2016 ). At that time she stated she had a land contract and asked if there would be any issues-we were told no. Now after three months and {$450.00} in an appraisal fee, there are issues. They are accusing us of trying to get money falsely. I am not sure where this is coming from. I owe {$11000.00} on the mortgage, she owes me more and the funds she would get from the reverse mortgage were {$22000.00}. I would be taking a loss on the home but one does what ones has to when helping family. Main goal was to get her out of a mortgage payment. Our issue is the timeline this has taken and the guarantee she qualified for this mortgage-paid out {$450.00} and then told no.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint about WELLS FARGO. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Product: Mortgage

**SWBC paid {$850.00} to XXXX XXXX XXXX XXXX XXXX XX/XX/year> for my annual flood insurance renewal. No problem. 
**SWBC paid {$570.00} to XXXX XXXX XXXX XX/XX/year> for flood coverage. THIS POLICY WAS NOT PROCURED, NOR AUTHORIZED BY MYSELF. It was issued without my knowledge by my Homeowners Insurance Agent, XXXX XXXX. 
**SWBC paid {$1300.00} to XXXX XXXX XXXX XX/XX/year> to increase coverage on the UNAUTHORIZED policy. 
**SWBC paid {$850.00} to XXXX XXXX XXXX generating a duplicate payment for the previously renewed policy, as they did not bother to verify that it had been previously paid. Now Im being held responsible for collecting and redepositing these funds back in escrow so as to avoid an increase in my mortgage payment for the following year.

I didnt discover any of this sooner because my online portal is deactivated due to my recent bankruptcy, although my loan was reaffirmed over two weeks ago.

This is not the first time I have a problem with my escrows at SWBC. Kindly advise who regulates/audits them so they can be informed of the multiple irregularities.
Product: Debt collection

For a year I have been called about a debt by delaware solutions, but they do not disclose the debt they just call it check fraud sometimes it is XXXX or XXXX companies calling on the same debt in the same month, they say they are a legal dept but will be specific. They keep calling my place of employment even though they have been asked not to by me and the others in the office, I will loose my job they called my office XXXX on XXXX/XXXX/14. They use robo calls and threaten with jail and fines I have spoken with these debt collectors and requested they send me all the information on the original debt including my signature that says I agreed to such a contract, they then get irate and start yelling, I refuse to give them any of my personal information but they continue the call, they think because they have the last XXXX digits of my SS number that I will agree to pay them money, they threaten jail time and fines if I do not pay with in a few days, after I refuse the calls stop for a week or XXXX and start right back up. I have them blocked from my personal phone but they keep calling my work, they even called my brothers house phone I did n't even have that number. How they got it I do not know. I just want this to end a year of this harassment is more then anyone should have to endure. Attorney 's say they can not do anything because these companies change locations. You would think after a year they would know I am not giving them anything and move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  on multiple occasions that I have never had an account or balance with XXXX. My last attempt to contact XXXX was on XX/XX/XXXX and I received no response back. I sent the letter certified XXXX tracking XXXX. It was received by XXXX on XX/XX/XXXX. I have contacted Equifax on multiple occasion about this matter. Equifax said they confirm this charge but that is impossible when XXXX has never respond back because there is no account or balance. Equifax is not doing a proper investigation and at this point, I will be moving forward legally if they do not remove this from my credit report. I wrote Equifax on XX/XX/XXXX telling them that XXXX is not responding back or validation any account or balance. Equifax has not responded back to my letter in 4 months. This account is causing adverse affect to my credit worthiness.