23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express was receiving monthly payments from my credit counseling company. After two missed payments, American Express prematurely place my account in collections without giving me enough time to reply. Placing my account in collection was for write off purposes, solely for tax benefit of the company. American Express did not follow the normal protocol when placing my account as a charge-off.
Product: Mortgage

XXXX XXXX has attempted several times to resolve this matter. It all started with XXXX Loss Mitigation ; attempted several times to obtain a affordable payment, and no luck whatsoever. Now it was transferred to Specialized Loan Service and the same issue keeps occurring with her mortgage. XXXX XXXX has gone thru some financial and medical issues, but now she is full in force to make all payments on time. Currently there is a foreclose in process and she is seeking to avoid this to going any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX the amount is {$170.00} the company name is KINGSTON DATA AND CREDIT
Product: Consumer Loan

My lender keeps calling for payments and late payments. I call them and they automated system asks for my full SSN, I put it in, then says please hold for the next available rep, then it hangs up on me. I have tried to login using my normal credentials and it says it no longer exists. I am getting unencrypted emails from a representative with the company and they refuse to communicate via email with me, yet will send me an email of who they are and that i need to call in. This is unbelievable. I can not make a payment no matter how hard I try and all the while I know I am being charged interest and fees!!!
Product: Consumer Loan

I was forced to borrow from Care Credit XXXX Synchrony Bank XXXX when I did not have dental insurance or other credit remaining, and had a XXXX that needed expensive work to avoid XXXX. The dentist 's office staff suggested using this option to pay for the service, and the dentist requests that you have credit or pay in cash prior to treatment. He is also the most capable dentist in the area and it is quite likely no one else could have done the procedure he did XXXX. 
I did not plan to be out of work for nearly as long as I have been. XXXX also does not cover any dental issues. Other forms of insurance are very expensive. 
I have found is that Care Credit uses several methods to add huge amounts to your principal and almost automatically increases your credit rate to the maximum allowed under their contract. They do not offer workable payment plans if you get behind, and their late fees are larger than the finance charge. 
I have previously contacted Synchrony Bank asking for a payment plan for at least one month. ( Their XXXX request is to pay the entire past due amount, which of course includes their numerous late fees and interest charges ) As a last resort, the customer service rep accepted a payment of {$35.00}. She did not mention that the late fees are also {$35.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have an account on my credit report showing from YK CR BUREAU. The orginal creditor name is XXXX XXXX. The balance is showing on my credit report as {$1400.00} and the account status is listed as open. I have attempted to dispute this account with YK CR BUREAU as well as XXXX  and it has not been removed. This is not my account and belongs to a relative. They were residents at XXXX and left the apartment in " bad '' shape when they left. Again, as I have mentioned I have tried disputing this several times and have been unable to come to an agreed solution. This account was moved to collections on XX/XX/2018 and is hindering my ability to reach my desired credit score to be able to do things to achieve my financial goals. I would like assistance is trying to get this information corrected. I believe this is reporting for my self, XXXX XXXX and XXXX XXXX but the person ( s ) who resided here were XXXX XXXX and XXXX XXXX. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all information that is hindering my credit report, this has been an ongoing issue that needs to be resolved asap. checking the information listed all items are illegal an posted incorrectly also identity theft. please review the listed ti items to help delete an remove the listed items to clear my credit report asap.
Product: Debt collection

Since XXXX XXXX, XXXX, the NCC Business Services, a collection agency has been trying to collect money ( {$600.00} ) that I do not owe. They said I should have paid the early termination fee equal to two months ' rent to my previous apartment landlord, the XXXX XXXX XXXX, XXXX, GA. I paid the early termination fee equal to one month 's rent as stated on my lease term a month before my move-out date XXXX. I even verified the amount of the early termination fee with XXXX XXXX, Assistant Manager when the 60 day written notice was submitted on XXXX XXXX and when writing a check ( # XXXX ) in the amount of {$800.00} for that on XXXX XXXX with a separate check ( # XXXX ) for the last month 's rent and water bill in the amount of {$830.00}. On XXXX XXXX, I called the manager XXXX XXXX XXXX XXXX of the apartment right after receiving a call from the debt collector. The manager said I had a balance in the amount of {$570.00}. When I asked what the balance was for, she said I did not pay the early termination fee. As I asked her to check my payment history, now she changed that the balance was for the late charge fee because I returned the keys on XXXX XXXX, which is not true. At around XXXX, XXXX XXXX, I returned all the keys in person to XXXX XXXX, Leasing Consultant in the leasing office with a check ( # XXXX ) for a current water bill. The apartment unit had been thoroughly cleaned and there was nothing damaged. I asked for a move-out inspection, but they waved it. Right after that, my wife and I moved XXXX XXXX miles away XXXX and has never come back XXXX. I was expecting a final water bill if any, but since I moved out of the apartment, I have not received any kind of notice from the leasing office regarding the balance. I had XXXX more chance to talk with the manager over the phone on XXXX XXXX, and she refused taking and returning my calls after that. Another strange thing was that the manager was saying she had no idea about the collection agency. I have sent a debt validation letter twice to the collection agency on XXXX XXXX and XXXX XXXX, XXXX requesting a copy of documentation from the XXXX XXXX saying the early termination fee is equal to two months ' rent. I have not received any written response from the agency as of today. 
On XXXX XXXX, When I called the collection agency after talking with the apartment manager, I requested them to send me a letter regarding this debt. XXXX from the collection agency told me that they would report it to the credit bureaus right away if I would not pay the debt in 15 days. And he added that I would get a refund if it would turn out that the debt was not mine after I made a payment in full. So I paid with my credit card on the same day over the phone. After I did some research about debt collection, I found out that one would have 30 days to request validation of debt. Thus I called my credit card and put my payment on a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agency claims that they verify information through the original creditor. The agency sent a letter stating that they use a third party service called XXXX XXXX to verify the information. This is a violation of my federal rights under the fair credit reporting act. 

The original creditor was not contacted to verify the information. in regards to the public record of bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an issue that dates back to XXXX, which we have followed up on numerous times over the past XXXX years but to my disappointment appears to still remain unresolved. My most recent Credit Report is still showing a late payment from XXXX and significantly impacting my credit score. I have provided these details previously to XXXX directly and it is very frustrating that XXXX years later I am still having to follow up for this to be cleared up, hence I am forced to report this. 

Our lease with XXXX for our XXXX XXXX XXXX ended on XX/XX/XXXX and was paid up completely. However, when we tried to return the car as early as XXXX, despite significant communication with multiple XXXX dealerships to arrange an earlier return, we were told this was not possible as their lots were all full due to the XXXX pandemic. We had already secured a new car in XX/XX/XXXX so had no reason to keep the car longer, but were told to hold onto it until they had space, and it was not driven at all. On XX/XX/XXXX, XXXX sent someone over to complete the vehicle inspection ( report attached ), again asking us to keep the car as they still had nowhere to receive it. Once we were able to return the car in XX/XX/XXXX, we reconciled all charges, yet a late payment showed up on my credit report and is impacting my credit rating. We had paid this up completely and the car was physically with us only because they had refused accepting it due to issues on their side. This is completely unacceptable, and we need this credit issue to be reversed immediately as it is having other significant financial implications. We have tried contacting XXXX multiple times with written communications but they have not been responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I 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 process 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 financial loss, and I seek appropriate address for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by XXXX on XX/XX/23 that there are addresses and a name that is considered valid per a debt collector United Revenue Corp . The company United Revenue Corp is unwilling to provide supporting documents, reflecting this information is valid. The representative i briefly spoke with on XX/XX/23 advised XX/XX/XXXX XXXX XXXX XXXX XXXX of XXXX XXXX provided this information she does not know where they got the information from or if documents were provided reflecting the name & address they are reporting to United Revenue Corp . This company has provided the incorrect name/ addressed in regards to collecting a debt to all three credit bureaus. I have a lease and ID, showing my physical address that is where i reside now. I have not lived, or used the address reflecting on my credit. This information is not valid and will need to be removed from my credit report. I filed disputes and was advised it can not be removed as a creditor has provided the information.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX and I did not open these accounts ( XXXX, # XXXX ). I requested that XXXX XXXX XXXX XXXX remove these accounts from my credit report. I also requested that XXXX XXXX XXXX XXXX stop reporting information to the credit bureaus on my behalf because I did not give my written permission for any information to be shared on my behalf. 

Enclosed is a copy of my XXXX XXXX XXXX number : XXXX In accordance with the Fair Credit Reporting Act, XXXX  Account ( 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the 15 U.S. Code 1681- Congressional findings and statement of purpose, Consumer reporting agency Equifax have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

I have never given permission or consent. Because of Equifax taking it upon themselves to assume this role, my privacy has been breached numerous times over the years, information has been reported incorrectly countless times and this in turn has had a negative impact on my credit score and me personally consenting to doing business with various companies.
Product: Credit card or prepaid card

I am an XXXX XXXX. I was teaching in the XXXX and moving to XXXX. Prior to my move I notified Capital One to let them know I would be moving and would not have access to immediate wifi. I wanted to make sure I would not be locked out of my account because this happened the last time ai was in XXXX. I notified them I would Also not not have phone access. I arrived and I have been locked out of my account since my arrival on XXXX XXXX2021. I have called them weekly beginning on XX/XX/XXXX. Trying to resolve this issue. I had to provide the actual purchase from my credit card statement by XX/XX/XXXX to reimbursed for my luggage fees of {$1300.00}. They will only unlock my account by sending me a phone code. My phone is inactive as Im out of the country. I notified them of this prior to leaving. I tried to have the code sent to my daughter but I was unable to do it because she is not on my account. When this happened four years ago, they sent me a link to unlock my account online. They informed me they only send phone codes. Although I was never notified of this change. Even when I called prior to my departure. I am now reaching out to file a formal complaint and try to resolve this problem. I want my account unlocked and I want Capital One to reimburse me the {$1300.00} Fees I was unable to submit for reimbursement from my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Debt collection

ProCollect is trying to collect a debt that I am not responsible for. 

XX/XX/2020, - received voicemail from Ms XXXX regarding debt placed with ProCollect. Returned call to get more information. Called the original debtor to learn the debt is my daughter 's and not mine. Returned call to Ms XXXX but office was closed. 

XX/XX/2020 - spoke to Ms XXXX to inform her that I am not responsible for the debt per my conversation with the original debtor. Ms XXXX it is my responsibility to provide proof the debt is not my responsability and that she shows I am responsible. I contacted original debtor to get copy of contract but they are unable to provide it since I am not on the contract. I requested Ms XXXX mail me a copy of the contract showing I am the responsible party for the debt. She said it will be mailed out. ( A contract was not mailed out, just a copy of the past due invoice. ) XX/XX/2020 - missed call from ProCollect XX/XX/2020 - Called ProCollect to provide a copy of the contract. I was informed to mail the contract to XXXX@procollect.com. I emailed them with the contract and a request to dispute financial responsibility. 

XX/XX/2020 - ProCollect calls and I informed them that I have submitted the contract showing I am not a responsible party and they have not reviewed the emails from the Inbox and that it is another departments responsibility to update their system. 

XX/XX/2020 - Ms XXXX called to collect the debt. I told her I already provided a copy of the contract and verified the email address and time and date the email was sent. She told me she can't check the email inbox and no one is allowed to talk to the front desk where those emails are sent. ProCollect makes it impossible to clear up false collection claims. 

Violations - My daughter 's personal financial information has been illegally/unethically shared with me as she is not a minor and I am not listed on the contract with her. 
- ProCollect is making me feel responsible for the debt in which I am on responsible for. 
- ProCollect has not provided proof of debt within 5 days of contacting me and I believe they are withholding a copy of the contract that shows I am not listed as a responsible party. 
-ProCollect is using false and misleading information to try to collect a debt from me when I am not the responsible party. 
-ProCollect continues to collect on a debt after my written communication and copy of the contract has been emailed to them via the email address they provided to me. 
ProCollect has negatively impacted my credit by falsely reporting the debt to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been writin the credit bueaus for over a year, XXXX, experian, XXXX is da worst, they have refused to delete addresses, ive never lived at, which i belive is keeping me from getting da promtion in my XXXX XXXX job. I have never lived at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, nor XXXX XXXX XXXX they have 3 bankruptcys on my report that are not mine. I have been to the bankruptcy court, who can not find anything on me, how is it the credit bureaus have this stuff under me.I have a very common surname, which is has gotten me mixed up before, but i have written dem, at leat a year and a half, and have gotten nowwhwere. i am aware. it has cost me money in promotions, time and money ill never get back, how is this possible in dis country, the best of all?
Product: Payday loan, title loan, or personal loan

I am not a current customer and have asked Tower Loan on several occasions to remove me from their mailing list but I am still getting offers. Please remove me from your mailing list like you say you have every time I've called with this request.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple requests of validation for an account with XXXX XXXX   collecting on behalf of XXXX XXXX that currently appears on my credit report. XXXX XXXX has been unable to provide validation that meets federal requirements. Despite their inability to provide proper validation TransUnion has decided to continue reporting this information on my credit report. I received a notice from XXXX XXXX XXXX  on XX/XX/2018 stating they now own the debt, further making the entry from XXXX XXXX invalid. I have requested validation from XXXX XXXX XXXX  and am optimistic I will receive the needed information to determine the validity of the debt they seek to collect. Since XXXX XXXX no longer owns this debt and the current owner has yet to validate the information, I respectfully request that you remove this entry immediately.
Product: Debt collection

Kohn Law firm started calling and mailing me letters back in XXXX. In XXXX of XXXX, I was sent legal paperwork that I had lost a case and a judgement had been put against me. in addition i needed to talk with kohn law firm to make payments on this debt. I agreed to payments of  about XXXX a month for about 19 months to pay off the bill in full. 
I just checked my credit it hopes it had gone up since i was making monthly payments and instead of seeing the debt go down they increased it by XXXX dollars causing my XXXX  credit score to go down my 33 points. 
I then called kohn law firm and spoke to a very pretentious woman who told me that they don't report anything until it is paid off and then a guy  named XXXX who was a bit nicer who told me they report all of the payments and that the I needed to talk with XXXX XXXX and not kohn law firm. due note since kohn law firm has the file XXXX XXXX  will not talk to me. 
They have documentation of all payments that they can provide but for me to get that they want me to pay them.