23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First and foremost, I am a federally protected consumer. This company has repeatedly called me ( I have proof ) and sent me a letter in the mail. Not once did I disclose my personal information nor my abode to this company so this company has violated my privacy. This is an alleged debt that is not mine. This company has been repeatedly calling me and sending me letters in the mail without my written consent. They do not have permission to communicate with me under federal law. They have been harassing me and is causing emotional turmoil. This company is in violation of federal law by harassing me and using abusive language pursuant to 15 usc 1692d ( 1 ) and 15 usc 1692d ( 2 ). This company is communicating that I owe a debt. This is in violation pursuant to 15 usc 1692b ( 2 ). This is a violation of my consumer rights under the FDCPA. This company has called me 4 times between XXXX and has sent a letter. This coming any has contacted me more than once which is in violation of federal law pursuant to 15 usc 1692b ( 3 ). Also pursuant to 15 usc 1692d ( 5 ), this company is causing the telephone to ring repeatedly with the intent to harass and annoy me. The amount of federal laws this company has violated is over 5. Pursuant to 15 usc 1692k ( 2 ) ( a ), I am owed {$1000.00} per violation.
Product: Debt collection

.I filed my orginal claim against this company because they where reporting inaccurate information on my report which they refused to verify belong to me. They responded via CFPB that they would cease all collections activities on the account and I have attached the letter. The same day the repeated harrassed me calling me multple times. I have attached the screenshot. The lady called the first time and I amsweredtelling her not to call back. As you can see they called again and I did not answer. I told the lady on there recorded line they should not be contacting me and it was illegal. She advised she would place me on A DNC list but according to the orginal response from ERC that was already suppose to be done. Another law broken from this company. I have reached out to an attorney to pursue legal matters since they have knowingly harrassed me after There should have been no contact noted in the orginal response
Product: Debt collection

I have sent written notification to  XXXX   XXXX   XXXX  requested they validate t  he Chain of Title and to only communicate with me in writing to my home address and to stop harassing me with calls.
<P/>  The debt they are wanting to collect on is the same debt I made a complaint on before with the CFPB. The debt was placed with an agency which misrepresented itself as a legal office and failed to provide any supporting documentation validating the debt. Instead the debt buyer placed the debt with  XXXX  separate collection agencies at the same time and each continues to contact regarding the debt.  <P/> I have supporting documentation regarding all communication with all agencies for reference.  <P/> Attorneys at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX
Product: Money transfer, virtual currency, or money service

So Im trying to use PayPal for XXXX so I can sell and I recently just opened it up. and one day out of nowhere they permanently banned me. So I got in touch with them over the phone today and the person I talked to said there team went over it and had suspicious activities and I can get the funds out within 180 days and kept giving me the same vague answer. Now I did have a account that I made when I was 14 under age and when I turned 18 I got back with them and talked about verifying the account and he got back with me and said I cant use that one why I dont know but he said I can make another one on a different email so thats what I did. And it all looked good until last week I got a alert that said the account was limited for suspicious activitysand no real answer. Now I did put the bank that I use and have access to and use constantly its under my fathers name because I turned 18 last XXXX and I have had access to the account sense XXXX of last. year and I can provide proof that I do have access to the account. My email is XXXX and the account is under XXXX my number is ( XXXX ) XXXX BTW I have another video that shows the agent saying I can make another
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is wrongly reported and was not my account. It was identity theft. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, 2017 {$410.00} {$410.00} XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX. 
The above account does not belong to me and it keeps on being submitted to the credit agencies, Experian and XXXX. I have filed for disputes and it has not gone away. Also, i need to complain about Experian since it has a major discrepancy in my credit report compared to the other agencies. EXPERIAN-XXXX ; XXXX-XXXX and XXXX-XXXX. I asked them why such a discrepancy but they said they ca n't do anything about it. Please assist me. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or 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 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX Bank XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX. XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. 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 artedates the report by more than XXXX years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I signed up for an American Express Everyday Preferred credit card in XXXX 2016. The sign-up bonus as was shown on their website was XXXX Membership Reward points. Upon fulfilling the requirements of the bonus, I noticed I only credited XXXX points. 

Despite a screenshot that proves I was shown this XXXX point offer, I have been forced to contact American Express repeatedly about my issue. Each representative I speak to knows very little about my issue. In XXXX phone call, the Amex representative was unable to locate any case opened for me. In another call, I was informed that the Amex back-office did not work on my case, as they promised, and had no information to give me. 

Most recently, I was told by American Express that they were unable to verify that I was given this offer. I been forced to open a case with the CFPB as it is becoming clear my internal case is not being handled properly. 

I would like to be credited the remaining XXXX points and will attempt to attach a copy of this offer to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

In a nut shell, I have made XXXX purchases with same merchant and had returned the product from XXXX transaction. When I got the bill, I did not recognize XXXX transaction ( {$67.00} ) and put a disputed it, Few days later I remember as a legitimate charge. I called the bank and told them to release the money. 
Since I had made a return with the same merchant, the merchant had issued a credit for that transaction. The actual disputed transaction has no relation to this credit. 
Since I disputed the transaction through the credit card, the credit card issued a credit, but when investigated, the credit card company ran into a credit that has nothing to do with the disputed transaction. This transaction has different times and reference number etc, the merchant took the position that since the merchant has issued a credit, even though a different amount, product, time, reference etc, the credit card company rebill be the credit as a charge on my account for {$67.00}. 
The credit card has not released the money to the merchant nor to the consumer but put it in their pocket where it does not belong. 
The money must be returned to merchant and given proof to consumer to follow up with merchant or return to the consumer. thanks I have called a few times but all invain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate information present on my credit report, as reported by Transunion. Despite my initial contact with Transunion on XX/XX/XXXX, they have failed to respond or rectify the errors. I kindly request your assistance in resolving this matter and ensuring compliance with federal law. 

Below, I have provided the details of the incorrect information and the necessary corrections : Please remove these accounts from my credit report as it does not belong to me. 

XXXX XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} ), COLLECTION - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}, Original Creditor : COLLECTION ), XXXX  XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$430.00} ), XXXX  - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2100.00} ) Kindly correct this inaccurate information on my credit report, as the account was never late. 
XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX - ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}.
Product: Student loan

It is now XXXX. I have not once received a monthly billing statement from MOHELA for the save plan they finally processed. I have asked repeatedly both through billing and through complaints. It has been XXXX months without a billing statement. 
MOHELA policy is to generate and send bills at least XXXX  days before they are due. They are not following their own policies. 
Sending a billing statement for a monthly bill should be automatically generated and sent at this point. They have not sent XXXX since they finally processed my SAVE. 
I have checked once again and my notices are to be sent via USPS. MOHELA will not send a billing statement and I have the right to be sent accurate and timely documentation.
Product: Credit card or prepaid card

This is the third time I am attempting to make a payment. The first time it told me that my payment was reversed from my bank account then I attempted to pay with my bank card and the message popped up that I can not pay with a credit card. This is ridiculous, I've always paid with my bank card and never had such an issue with this lender until I closed my account and all these fees and problems keep coming up. 
My bank card is listed as a debt card so this makes no sense
Product: Credit reporting, credit repair services, or other personal consumer reports

I she filed a number of disputes with the credit agencies, regarding incorrect items on my report. They respond, claiming that the items have been investigated and find that they are in the companys favor. They are unable or unwilling to prove to me what has been submitted as proof of a thorough investigation.

It has come to the point that I, myself, have had to do several investigations, in order to prove that these items are reporting illegally and incorrectly on my credit report.

This should not be the case. At all!!!! They should prove that the company is in the right, and show me how they came to this conclusion.

I have submitted proof of correct contracts, I have submitted medical coverage proof, and yet, the illegal Items are STILL reporting!!!!! Why is the burden of proof now on me, the consumer??
Product: Debt collection

They keep harassing my parents ' house phone when the company isn't even trying to reach them directly.
Product: Debt collection

I went to the hospital and was charged for services which the insurance paid all but {$11.00} of the bill. 
Hospital mailed bill to the wrong address two or three times so we didn't receive the bill then the hospital sent the bill to the a collections company. 
Collections collected the full amount of the bill instead of charging us for the {$11.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

*** THIS ACCOUNT IS CLOSED *** RE : XXXX XXXX  XXXX XXXX  XXXX/Continental Finance  CFC- Correspondence XXXX XXXX XXXX XXXX, NY XXXX XXXX This letter is to inform you that I XXXX  is showing that you are actively reporting this card payment status as Past Due 30 days with a XXXX ( {$0.00} ) dollar balance. When it should be reported as a different status as this account is currently closed. Per the credit report alert from XXXX XXXX reporting agencies is showing this is being reported to XXXX  actively. It shows I have payments made and late in XXXX and XXXX. How could this be when this account was closed in XXXX of XXXX. 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation to have this updated in a timely matter as outlined in the FCRA Section 623 : [ Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Please see the attached document from XXXX XXXX who states they receive all active information from XXXX, I have spoken with XXXX  who is advising this is being furnished actively by you, even though this account is closed with a XXXX  balance. Please update the payment status from 30 days Past Due to either Paid Collection Paid Settled or the proper payment status that fits this account being paid off. I am asking and requesting for a full research and investigation into why XXXX XXXX  and XXXX  still shows this as being actively reported when it is closed and paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage raised our monthly payment in XX/XX/2023 after our yearly taxes went up on the home from {$2100.00} to {$2200.00}. Freedom Mortgage did not notify us of the payment increase until XXXX XXXX. I autopay our mortgage payment through my bank on the XXXX of the month and was paying the {$2100.00} because I was unaware of the increase, Freedom Mortgage turned us into the 3 credit agencies for non payment in XXXX which is incorrect. This action has caused harm to my credit and I am unable to co-sign for my son 's XXXX XXXX loan for his school. I would like the record corrected, the delinquency removed and for Freedom Mortgage to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from Freedom Mortgage. My wife and I have spoken to Freedom Mortgage four times and they are claiming they notified us of the monthly payment increase in XX/XX/XXXX ' but that is incorrect. They are pointing the finger and we are the damaged parties. I requested that this issue be escalated to a second level supervisor at Freedom Mortgage that reports out the credit file information and was denied. This has caused irreparable harm to our credit file. We have never been late nor neglected our payments to Freedom Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit card or prepaid card

In XXXX, I accepted an offer from Sams club for their Sams Club rewards credit card. The card promised cash back for purchasing items such as gas ( 5 % back ) and restaurants ( 3 % ). By about XX/XX/XXXX, I received an e-mail correspondence from Synchrony Bank, the card issuer, that my accumulated reward balance was {$150.00}. I contacted Sams club and they informed me that the only way to redeem the cash back balance was to travel to a retail Sams club location and present the physical card to the cashier in customer service and a cash disbursement in the amount of the stated reward cash balance would be paid to me. 

On XX/XX/XXXX, I traveled to Sams Club, in XXXX, NY, and presented my card for the {$150.00} cash back redemption and the cashier told me that it was already redeemed sometime in XXXX of XXXX. I was told by the representative that my card would have had to be present in order to receive my cash reward. I told the Sams Club customer service representative that I have not been to any Sams Clubs in XXXX of XXXX and my card never left my possession upon receiving it in the XXXX Mail and that the reward balance was not paid to me. 

While I was still at Sams Club, I contacted Synchrony Bank to try to resolve this issue. The Sams Club representative then verified to the representative at Synchrony Bank that I was not at any Sams Club in XX/XX/XXXX, based on their electronic records. They advised that they thought the card may have been compromised and said they would send a new card to me with a new account number and research where the cash reward of {$150.00} had gone. 

Numerous additional calls to Synchrony Bank on XX/XX/XXXX and XXXX and again on XX/XX/XXXX resulted in Synchrony Bank blaming Sams Club and vice versa. Synchrony Bank stated that they will have an answer by XX/XX/XXXX. After stating to me that a representative would call me back, they never do. 

I then called Synchrony Bank on XX/XX/XXXX, and they had no resolution to my issue and again, Synchrony Bank was blaming Sams Club and vice versa. It was clear to me that after several hours on hold and speaking to countless representatives from Sams Club and Synchrony Bank, over the course of a couple of months, the bank or the Club would not provide a resolution to my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support the credit bureaus claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me. XXXX XXXX, XXXX XXXX   XXXX,
Product: Credit reporting or other personal consumer reports

My information was obtained illegally and not familiar with the company.
Product: Credit reporting or other personal consumer reports

I was not late in XX/XX/year>2024 on the above account. The creditor mistakenly charged me a fee, did not tell me about the fee and then reported me as late for not paying the fee within 30 days of assessing the fee. I spoke with the creditor about the fee, and they agree there is nothing justifying the assessment of the fee. The creditor instructed me to dispute the fee with the credit reporting agencies.
Product: Debt collection

on XX/XX/2018, Vonda J. Dunn Attorney used illegal debt practices to get money for Home Owner Association Fees. She was told by lawyers she could not collect XXXX and instead took the money prior to the bankruptcy and moved it over to post bankruptcy allowing the courts to take my money from my daughters account. Her social security number is not associated with any of my accounts. Vonda Dunn repeatedly refused communication and I had already paid over XXXX on this account. She has repeatedly used illegal debt practices to collect on this HOA account. I want restitution on this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). This section requires credit reporting agencies to block any information that a consumer identifies as resulting from identity theft within four business days upon receipt of a valid identity theft report.

I have enclosed a copy of my identity theft report filed with the Federal Trade Commission ( FTC ), FTC Report Number : XXXX, to support my identity theft claim. The information in question on my credit report is the result of identity theft and should therefore be blocked.

The account listed below is fraudulent and does not belong to me. Under the applicable law, I request that this account be removed from my credit report immediately and that you provide me with written confirmation of the deletion of this information.

Fraudulent Account to Be Deleted : Account Name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information in my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates Federal Law and my rights as a consumer.