23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a collection notice from ERC dated   XXXX   XXXX   XXXX     for a  XXXX  account that is not mine. The collection notice is from  XXXX  account number  XXXX . I mailed ERC a debt validation on  XXXX   XXXX  requesting for them to tell me what I owe the bill for, how they calculated what I owe, to send me copies of any documentation that stated I agreed to pay what they say I owe, to give me copies containing my signature, their   XXXX   license number, and to cease all contact with me until they sent me the above documentation. I disputed the validity of this debt and still have not received any information from ERC regarding this account. ERC also contacted me on    XXXX   XXXX    after they received my letter stating for them to not contact me. According to FCRA  1692g ( b ) If the consumer notified the debt collector in writing within the 30 day period described in subsection ( a ) that the debt or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. ERC has not done this. ERC has violated the FCRA by not validating the debt as well as attempting to contact me by phone after receipt of my letter stating for them to cease contact unless provided with the information stated above.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items on my credit report : Inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX Collection XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX No Category XXXX XXXX # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX # XXXX
Product: Debt collection

Moved and received new phone number and debt collection is a nuisance
Product: Credit reporting or other personal consumer reports

- Kindly remove these addresses and update it with my current address there should be one ADDRESS reporting on the file. It is alarming as there are different addresses reporting differently. Kindly remove this ASAP Inaccurate Name : XXXX XXXX XXXX Inaccurate Addresses : 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 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 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 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 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 XXXX XXXX XXXX
Product: Credit card

Two credit cards ( both issued by Citi ) had limits reduced by 90 % or more even though I had paid those balances in full ( one card had ~ XXXX XXXXXXXX in balances and another had ~ XXXX XXXXXXXX in balance ). The limit was reduced AFTER payments were posted. This limit reduction will hurt my credit score. If I had known Citi would do this, I would have kept making minimum payments. I dont have a single missed payment in XXXX  years since Ive had opened accounts with them.
Product: Mortgage

Loancare LLC became my new mortgage servicer on XX/XX/2016. XXXX was my old servicer. XXXX said my new mortgage payment would be {$400.00} beginning XX/XX/2016. Loancare billed me for {$480.00} for XX/XX/XXXX and continues to do so. 

I submitted documentation from XXXX and asked XXXX to do so as well. Loancare says they never got the documents, says I am behind, and at risk of foreclosure.
Product: Student loan

Navient in cooperation with XXXX XXXX  XXXX has my loan balance higher then what was owed and has no cap on the interest rate either. The balance keeps growing and is way more than what was owed as my original balance I am very concerned this practice of doing this is not legal. I believe both of these companies are preying on me because of my situation with XXXX University and because of my desperation for help. I think what they are doing is unfair business practices and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been unauthorized sharing of my personal information with unauthorized third-party agencies such as XXXX, XXXX, Experian and more. I never authorized sharing my transaction history. This is a direct violation of my rights according to the consumer law that Congress passed to protect me. In section 1681a ( exclusions ), it states reports containing information solely as to transactions or experiences between the consumer and the person making the report shall not be included on the consumer report. My privacy is huge and it has been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted emailed to the companies, I disputed the inquiries the week of XX/XX/XXXX over the phone. I have not received a response from XXXX XXXX XXXX at all. The Credit Buteas responded Inquiries are factual record of file access. If you believe the This was unauthorized please contact the creditor. When I reached out to the creditors they advise me to contact the Credit Bureaus. This is running me into a circle. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The FCRA 623 and 611 state that any information can be disputed and must be investigated. I received a response from my call with the credit Bureas less that 8 days from the date of my dispute. One can only assume no investigation was completed. 

I also requested that an address be removed from my credit report on Equifax the same week the first week of XX/XX/XXXX. I have never lived there ever. I have lived in my home for almost 11 years. The representative advised she would remove the address. I viewed my XXXX XXXX report yesterday XX/XX/XXXX and the address was added back without them advising me. The address begins with XXXX. This is not Ans has never been my address. They added it back without my knowledge. I called today XX/XX/XXXX and a Reps was argumentative about the address and indicated shes open a dispute. My concerns is why was the address added back if it was invalid and when was I going to be notified. I have never lived there. 

This is causing undue stress as I plan to purchase a home later this year and this amount of inquiries would flag as a person having financial trouble. The incorrect address is concerning because its risking my personal information or mail being sent to someone elses home
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to dispute an auto account with XXXX XXXX XXXX for several known inaccuracies and it was " verified ''. However, the information doesn't match the original creditor information as they are reporting it to Transunion. The account was in litigation due to errors and it is still reporting. Transunion refuses to remove this account but I do not understand why. They are currently in violation of 15 USC 1681 s-2 for reporting information with knowledge of errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling and resolving this matter with all 3 credit bureau and was not able to have any success with the credit bureau The listed item is entirely inaccurate and incomplete, and represents a very serious error their reporting the purpose of filing a complaint with the Consumer Financial Protection Bureau is to have you to do a fully investigation baring my signature I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), that the credit bureau may be liable for willful may result in a small claims action against all company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act The credit Bureau also stated to the CFPB that all information that i reported back in XX/XX/XXXX the information was not being reported on my credit report from XXXX XXXX XXXX and stated that i will be receiving another copy on my credit report but how is that true when i just uptrained another credit report my self and was sent out back in XX/XX/XXXX this is grounds for deletion and a violation of my rights I would like to have this via an online public press release all 3 credit bureau violated state law 15 U.S.C 1681 section 602 A. states i have privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reportion agency can not furnish a account without my written instructions please remove XXXX XXXX XXXX AND ALL XXXX LOAN as is it a violation to state law with the reportion that is being reported on my credit report
Product: Credit reporting or other personal consumer reports

I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. 

Account name XXXX  XXXX Account number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account number XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : my name is XXXX XXXX I am responding to your email it states your company this report to Office Financial of Currency I received a letter from them stating they are not going to respond to any more complaints, which is not fair to me especially when I gave them evidence but they ignored my claim. My last resort is to get a lawyer and file this complaint with the XXXX XXXX XXXX especially when my evidence is being overlooked or destroyed by the Office Financial of Currency and Experian which is a violation against according to FRCA Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The dispute came back verified so I followed up with a letter and TransUnion didnt investigate.
Product: Debt collection

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 USC 1681. 
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : # XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a account without my written instructions.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting

Experian report number : XXXX, per the credit report the following accounts were supposed to be deleted in XXXX 2016. Per checking on the Experian website on XXXX/XXXX/16, the following accounts are still appearing : XXXX XXXX {$990.00} XXXX- {$14000.00} XXXX- {$17000.00} XXXX- {$26000.00} XXXX- {$25000.00} XXXX- {$4600.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing regarding the referenced account listed under ( XXXX XXXX XXXX ) ACCT # ( XXXX ), which is currently being reported as written off on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Additionally, I am formally requesting confirmation on whether this debt has been canceled or forgiven. If it has been, I request appropriate documentation to that effect. According to IRS guidelines, creditors may issue a 1099-C form for canceled debts, regardless of balance, when specific criteria are met. Please confirm whether this debt has been canceled and provide the appropriate documentation. If this debt has not been canceled, I request full validation, including but not limited to : -A copy of the original signed contract or agreement. -A detailed account history showing how the balance was calculated. -Proof that your organization has the legal right to collect this debt. Failure to provide adequate validation or documentation of the debts status will be considered non-compliance under federal laws.
Product: Debt collection

XXXX XXXX reported me fraudulently to the credit bureaus in XX/XX/XXXX for an amount of {$450.00} that I never owed. I have emailed to the company the cancellation and no further charges to my debit card that was sent to me as confirmation on XX/XX/XXXX. Below is a copy and pasted email of the original confirmation of no further charges that was forwarded to XXXX XXXX management to resolve this matter. 

Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX  PST To : XXXX Subject : Fwd : XXXX XXXX XXXX XXXX XXXX , I got a disturbing letter from a collection agency that owe you money and I do not owe your business anything. XXXX assured me he stopped all charges and closed everything via this email. 

Please correct this as soon as possible and give me a call. I will have to contact the bureaus as well. I am at XXXX. 

I have already had a customer experience nightmare for over a year with your company and I can not believe this is happening. This is without question the most disturbing situation I have ever dealt with. I have never been sent to collections on anything. 

I look forward to your call, XXXX XXXX Sent from my XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX PDT To : XXXX XXXX XXXX XXXX Subject : Re : XXXX XXXX XXXX Reply-To : XXXX XXXX XXXX XXXX, Per your request, your membership has been cancelled with no further charges against your account. I have added credit to your account to cover your last months dues, and your last day to use services will be on XX/XX/XXXX. 

Also as stated on the phone, if you decide to stay with us, please email me back on this thread and I will apply first months dues to any level membership you choose. 

Warm Regards, XXXX Guest Relations Manager XXXX XXXX p : XXXX f : XXXX XXXX XXXX XXXX XXXX OR XXXX On Thursday, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX wrote : Confirming no further charges to my card and last tan date XX/XX/XXXX. 

Thank you. 

Sent from my XXXX XXXX has already deleted this fraudulent reporting from my credit bureau report, however, XXXX chose to ignore my dispute and do nothing. I will also be filing a separate dispute against XXXX  due to the agency ignoring my information, not completing an investigation and doing nothing to resolve this matter that is an act of outright fraud by XXXX XXXX.
Product: Mortgage

Two years ago i became unemployed. OCWEN told me to file an application for mortgsge assistance. With much delay with back and forth snd missing documents, they denied my appkication because they processed it as a modification. I filec again. It was the same stalling process which then i was told application expired and to start again. I resubmitted the application again which as per Ocwen, has been lost. I was denied mortgage assistance and foreclosure protection while unemployed. When i was paying my mortgage they had me over paying in escrow and they were not paying my taxes or insurance on time.
I have been working for six months. Ocwen will not allow me to make monthly payments until i pay {$45000.00} in missed payment which does not include interest and fees. In   XXXX   XXXX  , I wrote a complaint to their research department. I received a letter with a reference number and an assigned agent. The letter says i should have a response in 10 days. No response as of today. When i call and ask to speak with the agent i am told that person doesnt work there. Ocwen has caused me a great deal of stress and frustration. I fear becoming homeless everyday. They refuse to workout a payment plan or any agreement to resolve this situation. They advertise " we are here to help '' but they have failed to deliver required foreclosure protection to me. They have denied me assistance to avoid foreclosure. They have added to my already everyday struggle and have caused me more loss. They have failed to adequately investigate and respond to my concerns and complaints. They have initiated foreclosure before completing a review of my loss mitigation. I feel they have wrongfully initiated foreclosure proceedings. Should i hire a lawyer at this point? Is there anything you can help me with?
I would be grateful for your response.
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and spoke to a representative on XX/XX/2022 and I had multiple unauthorized inquiries on my report and fair credit reporting act requires all unverified and unauthorized items must be removed from my credit report and the customer service department did not help remove the negative inquiries that are reporting on my credit report. The inquiries were : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On Monday XX/XX/2019 I made a payment of {$100.00} that was credited to my acount immediately. Then on Wednesday XX/XX/2019 I made a payment of {$6000.00} from the same account. I tried to use the card on Friday and the card was declined. When I looked up my account it showed that I had {$0.00} available to spend. I called customer service and they informed me that my credit line would not be available until Friday XX/XX/XXXX. The electronic payment has already cleared my bank. They told me that it would take 7-10 business days for my payment to clear which I feel is ridiculous. Now I can not use my card and I do not have the funds in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately :
Product: Bank account or service

On XXXX XXXX 2015 made a mobile deposit for {$3000.00} into my chase checking account. This deposit will also cover the outstanding overdraft on my account. On XXXX XXXX, i was told my deposit check will be on hold til XXXX XXXX but the overdraft fee will be settle. Chase also inform me to stop by a branch to validate my ID. i stop by the branch to clarify any issue and was promise funds will be available on XXXX XXXX. 
On XXXX XXXX 2015 try using my debit card and was decline call chase and was told my account is on pending closure and i can not have access on my funds. For the following weeks to present i was on phone with multiple chase representative asking to release my funds. i kindly ask chase what is the reason to freeze my account with out notice and my account has no outstanding balance. Why didnt chase inform me about this situation, now all the bills which is drafted on my checking were chargeback .. on the following week i stop by a Chase Branch begging to release my funds, this is the only source of money i have, and needed to buy prescription at XXXX. Branch manager at XXXX told me that we are sorry but we can not do anything even myself was not told reason why account is frozen. Since XXXX XXXX my account been frozen, my bill payment has been charge back, i have no money and chase has not told me any reason why or send any statement
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is fraud account that was opened without my knowledge or consent : XXXX account # XXXX I attach an FTC identity fraud affidavit, please investigate and delete this fraud account.
Product: Payday loan, title loan, personal loan, or advance loan

I recently purchased an insurance product. The insurer offered several options for financing, including Truist Bank. I then selected Truist Bank for the financing. I did not know it when I entered into the agreement but Truist owns a company named XXXX, which services loans. Importantly, Truist never directed me to make my monthly payments to XXXX. 

On XX/XX/2024, I made my monthly payment to Truist in the amount of {$140.00}. Thereafter, on XX/XX/2024, Truist was paid an additional {$290.00}. I don't have any recollection of making the XX/XX/XXXX payment and think Truist may have simply taken the funds. 

On XX/XX/2024, I received a notice of cancellation from XXXX. Based on a loan history provided by XXXX, none of funds sent to Truist were forwarded to XXXX for processing. To avoid cancellation of my insurance I had to pay {$290.00} on XX/XX/2024. 

In the meantime, no one at Truist will help me track down the funds I sent to it in XXXX.