23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They went through unethical means to get my phone number and call me I never provided them my phone number nor did I ever agree to anybody being able to provide them my phone number. I never done business with them for the debt they are claiming for them to have obtained my phone number. I called them last year XX/XX/year> from another number to let them know it was fraud. They said that they did not care and that I needed to pay the bill. I submitted a complaint and I've been trying to submit a complaint showing that it is fraud. I never created a contract with them involving this debt. s I was never a cosigner I never agreed to cosign for a car with anyone and I never gave them my personal information. They are infringing on my rights violating the Fair Debt Collection Practices Act ( FDCPA ) and potentially other laws. The FDCPA restricts how debt collectors can obtain location information. The debt is fraudulent, any contact at all should be considered harassment. The debt is fraudulent, the debt collector is misrepresenting the debt, which is a clear FDCPA violation. They can not claim I owe money that I do not. Michigan have their own debt collection laws that are often stricter than the FDCPA. The fraudulent debt is being reported to credit bureaus, you have the right to dispute it under the FCRA. The debt collector or credit bureau must investigate and correct or remove inaccurate information.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately.

a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit card

In XXXX of 2023, I realized my renewal card was sent to an old address. I called XXXX XXXX card services abt my Milestone account that ends in XXXX. They updated my address/ sent new card, but then blocked my account for fraud activities. I called them, genesis/milestone wanted me to fax my ID. I informed them that I do not have access to a fax. I asked them to provide an email so I can update my ID/ prove who I am. They said they dont have email. They blocked my card ( which is fine ) they blocked my access to my account online so XXXX cant access the account or make payments on my account. Today, I requested that they mail me statements so I can see my acct activity. They refuse. They are reporting late payments to my credit bureau and charging late fees, but are not providing me with a monthly statement. They said my statements are emailed to me- Which is not true. I get an email reminder to login to my online account to make a payment. I can not login to my online account because access has been restricted. Ive called XXXX times between XX/XX/2023 and today, XX/XX/2023 asking for a statement of account. I told them to keep my card off ( because I cant fax them my ID ) but please provide a monthly statement so I can pay my card balance off and see the payments posted etc. They refuse to provide me with any monthly statements. They are not emailing me my statements. But they are reporting on my consumer report. today I talked to XXXX who closed my account/ told me my balance/ but still refused to provide a statement of account. They have charged me an annual fee of over XXXX $ even though I can not use the account. Im trying to resolve this situation and pay off the balance but its been a struggle. I just want a statement of account and to pay the balance off. The kicker : I have an Indigo card with Genesis/ XXXX XXXXXXXX and my address is correct on that account and I can use that card just fine. I can access that account online without any issues so they can clearly see that there is nothing fraudulent going on. Im not even using either card, just paying off balances. They could verify my address on my other account and just mail my statements to me. I havent seen an account billing statement since XXXX of 2023 but Im expected to make payments. Im not sure what Im paying. Am I over paying? Are they charging me fees that I dont know about. Please assist in getting this resolved. Thank you.
Product: Debt collection

I have a medical debt ( amount owed XXXX $ to XXXX XXXX XXXX XXXX ) that was tied up as part of litigation settlement. The bill was turned over to the collection agency in XX/XX/2019. The collection agency never sent a written notification or follow up with a phone call to notify that there was a bill that was outstanding in collections. It is now reported as derogatory on my credit report with no notification of the debt whatsoever. 
I called the debt collection agency and they confirmed to have sent the initial notification to the incorrect address ( previous home address where i no longer live ) and the mail was returned. They stated that the address was provided to them by the creditor, however when i inquired with XXXX XXXX, they have the current address where i live for the past year. The Debt collection agency never contacted creditor to notify mail was returned or did not call me or make any other attempts of notification. I would like to notify that the collection agency took no responsibility in notifying the debt or my right to dispute/take action.
Product: Debt collection

Ability Recovery Service is showing on my credit report for an amount of {$1900.00} with the original creditor being XXXX XXXX XXXX. This debt is not showing on my credit report at all for the original creditor. I believe this to be a false debt or a zombie debt that can no longer be collected on. I have also never received a communication from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX numerous times to get a credit card i never applied for removed. I went into a bank branch at XXXX XXXX XXXX XXXX to replace a damaged debit card and was told that due to our commercial account being in good standing we were pre approved for a XXXX line of business credit. They had me fill out a form and came back and told me i was denied. I thought pre approved meant no credit check. The bank teller named XXXX ( who is no longer employed by XXXX XXXX ) informed me that i was approved for a XXXX credit card instead. I turned down the credit card flat and she informed me that the account was already opened. This is i believe a bait and switch. Anyway i refused the card. They apparently mailed out a card to someone and claimed that it was used by me. I do not have their card nor have i ever accepted the card. They opened it without my permission, admittedly closed it to a XXXX balance and opened a second card and issued it to god knows where and whom. I filed a complaint under the class action XXXX vs XXXX for which a settlement check was sent to me for XXXX something dollars. XXXX XXXX refuses to abide by the settlement and continues to dispute my dispute with the credit agencies that i do not owe them anything. Instead they have me listed as owing them over XXXX XXXX dollars. Please help as this has been ruining my credit for the last 5 to 7 years.
Product: Credit card

I have a secured credit card with Wells Fargo. I was renting a car with XXXX. I left my secured credit card as collateral there. When I paid with the car, however, I used my debit card. XXXX accidentally charged XXXX my credit and my debit card. They then reversed the charge on the credit card. Because this charge was over my limit, Wells Fargo closed the card and refused to reopen it even after XXXX admitted fault and reversed the charge. This has negatively affected my credit even though I did not authorize this charge to be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So I sent the letters certified. The same letters just certified. 

My reason for contacting them was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX
Product: Checking or savings account

Capital One has not cleared our direct deposits in a timely fashion. We usually receive our direct deposits around XXXX p.m. EST on payday which usually comes in on a Wednesday afternoon. The deposit did not come through as expected on Wednesday XX/XX/scrub> 2025. Capital One did not promptly notify their customers of any issue. They communicated via email ( over XXXX hours later ) on Thursday, XXXX XXXX, 2025 that the issue would be resolved by next day morning. It is now XXXX p.m. on a Friday night and we still have not received our direct deposit. After XXXX hours of being on hold with Capital One customer service and requesting a supervisor, I was told that they did not know when the issue would be resolved. Monday, XX/XX/year>2025 is a XXXX, putting us at hopefully Tuesday. When I asked what happens to the late fees we are incurring, the supervisors response was That may be an option after it is resolved When asked if it isnt resolved by Friday before the long weekend, would we have to wait until Tuesday and I was met with silence or I wish I had a better answer for you. Not having our direct deposit as expected has affected my credit and I am incurring late fees I can not afford to pay. They have not been transparent and forthcoming with the issues. They have chosen to not keep their customers informed. Their lack of customer service and funds disbursement issue should be penalized. As a consumer, we are practically begging them for our hard earned money and they have disregarded their duty to the public.
Product: Consumer Loan

This is a complaint against US Bank for operational practices preventing customers to set up automatic payment withdrawal resulting in late fees to customers for additional fee income to US Bank. US Bank does not process the form and send an incorrect version of the Authorization of Automatic Payment form which is rejected once finally processed. This apparent intentional operational inefficiency has cause me late fees near {$220.00} despite proactive attempts to pay my lease payment. US Bank 's call center supporting leasing client is systematically set up to send customer the incorrect form. I sent in at minimum XXXX completed forms to their provided XXXX XXXX XXXX XXXX WI. On my lucky XXXX time where the form was finally processed, it was rejected for being the " wrong form. '' The " correct form '' asks for exactly the same information as the " wrong form. '' The only difference is the creative layout and basic title copy. This nefarious operational practice creates additional fee income for US Bank. XXXX Banks call center reps and supervisors were unwilling to name their regulatory body. They also will not remove any late charge fees unless by bank error. A clear case for removing my errors was escalated up to Assistant XXXX XXXX XXXX with no action taken. This is a clear unprofessional if not illegal business practice forcing late fees from great customers.
Product: Credit card

HSBC BANK Acct # XXXX Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. 
In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. 
I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. 
By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a hard inquiries from Barclays Bank Delware and XXXX XXXX XXXX which I believed I never transacted or consented and dropped my XXXX credit score to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX .... Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX. Balance : {$19000.00}
Product: Credit card or prepaid card

I responded to XXXX/ComenityBank/Bread Financials ' offer in XXXX to open a new XXXX XXXX XXXX XXXX and receive a statement credit of {$100.00} after spending {$1000.00} in 90 days. I fulfilled my obligation in XXXX and was told it would take 1 to 2 billing cycles to post. When I didn't receive the credit, I contacted the bank in XXXX wand was told it took 1 to 2 billing cycles after the 90 days was up, not 1 to 2 billing cycles after meeting the requirement but was assured the credit would be on XXXX statement. It wasn't. I spent over an hour on the phone with XXXX on XX/XX/XXXX and he assured me he was passing it up to the appropriate people and the credit would appear on my XXXX statement. It did not. I called again XXXX and after a great deal of time and several transfers, talked XXXX, SR acct specialist who assured me her manager would have it taken care of by XXXX and if there were any issues someone would call me before that. It was not taken care of & no one called so I wasted another hour today getting as far up the chain as XXXX a SR account Supervisor who spoke to her manager, supposedly the highest level they have, who said there was nothing they could do to issue the overdue credit, or reimburse for interest lost or time wasted. The only thing she was able to do was file a dispute which still did not absolve me from paying the {$100.00} balance I don't owe and may take NINETY days to resolve.
Product: Mortgage

Since XXXX, Specialized Loan Servicing has been " losing '' my monthly payments and not applying them correctly to my account. These payments are sent electronically directly from XXXX XXXX XXXX ( not US mail or paper check ), and I have proof of payments. Every month I have to print out a proof of payment ( to mail since they do n't accept email ) and call them and ask them to correct their records. They never correct them until I file a complaint with the CFPB.For example, Prior complaints are [ Case XXXX and XXXX. Every month my HELOC payment is electronically sent directly from XXXX XXXX XXXX to SLS for the monthly. I have been using this same process since the day SLS purchased by loan from XXXX. I received my statement for XX/XX/XXXX, dated XXXX/XXXX/XXXX and they are stating that I did not submit payment that was due on XXXX/XXXX/XXXX. The payment of {$190.00} ( ref # XXXX ) was delivered on XXXX/XXXX/XXXX because XXXX/XXXX/XXXX was a Saturday. I even called ahead and spoke with XXXX and told her that I would be sending the payment and it was scheduled to arrive on XXXX/XXXX/XXXX so it would not be late and that it should be applied to the monthly payment due ( it is not an " extra '' payment to be applied to principal ) .SLS needs to find this lost payment and remove reporting of late payments. I have NEVER been late with a payment, but my online profile now shows that I have a record of late payments. I know that late payments impact a person 's credit score. I am tired of wasting my time having to call them every month and spending money on paper, ink and postage to submit proofs of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXXXXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account XXXX : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX  Account XXXX XXXX XX/XX/2023 - XXXX Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I paid off these accounts and they are still reporting on my credit report. 
Capital One Account # XXXX Capital One Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint with absolute certainty and growing frustration. The errors on my credit report have been negatively affecting me, making it impossible to achieve financial stability. I can no longer ignore the impact this is having on my life. Both XXXX and XXXX have already removed this inaccurate information, yet it remains on my TransUnion report. This is a blatant violation and insult of my rights as a consumer, to have my requests and disputes to be repeatedly ignored.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, this statement is being generated on my behalf. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account. The following accounts were not authorized by me and I request removal : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This company trying to charge me for rental month when i lived at address XXXX XXXX XXXX XXXX XXXX Texas even tho we moved out properly. Gave proper notice 60 days we was moving because my partner at the time was in the derives and had to change military base. cleaned up left house immaculate after we left and they still charged me. Took my deposit and on top of that said I still had to pay another months rent. I refused to pay because it was unfair they turned around and report it on my credit. I contact them tried to resolved send documents of proof and the rejected all responses. So now need this claim to be filled against the creditor for being bias and one sided. I need this removed off my credit asap for I do not owe this.