23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.
Product: Credit card

I paid my Capital One credit card off and I have a new XXXX but it still shows up on my credit report at least XXXX times
Product: Debt collection

On XX/XX/2018 GC Services debt collection attempted to withdrawal {$2500.00} from my checking account in which I never authorized. I received a call from my bank indicating a " suspicious '' transaction that had just occurred. Originally, I agreed to a {$250.00} monthly repayment plan, but GC Services took it upon themselves to attempt to withdrawal {$2500.00} in which I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.
Product: Credit reporting or other personal consumer reports

I was doing research on my credit profile and realize a company that I never heard of before. The company name is Early warning a consumer reporting agency that reports consumer information. When I became aware of this I contacted the company and told them that they were in violation of the 1974 privacy act using my information without my written consent. I also told them that my name is copy righted and trademark and that I own my name. I sent them a Cease and desist letter to stop utilizing my name and reporting my info on their credit profile without my written consent. 
Early morning stated that they do not get the information but the banks report it to them. I have no bank accounts all my bank accounts are Trust accounts and their is nothing with my name liked to them or a bank. They willful and knowingly continued to use my mark without my consent. I sent them a Trademark violation letter also and they continue to violate my personal right and federal law. I will be seeking monetary damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some fraudulent inquiries on my credit reports XXXX, XXXX XXXX XXXX. 
For XXXX the following fraudulent inquiries are : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX For XXXX the following fraudulent inquiries are : XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, SYNCB/AMAZON XXXX XX/XX/XXXX, XXXX - XXXX SXXXX 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 XXXXXX/XX/XXXX For XXXX the following fraudulent inquiries are : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dates inaccurate, account charged off with balance and I haven't received 1099-C
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

I received a notice from the XXXX dated XX/XX/2017 that I had XXXX parking tickets that I was on the pre-boot list, and to contact Municipal Collections of America XXXX Inc within 21 days to dispute the validity of debt, and that I will have the option to request a hearing. I contacted Municipal Collection of America on XX/XX/2017 and was advised that I owe tickets to the original creditor XXXX and that not only do I owe the amount placed with their office, but I must pay Municipal Collection of America their collection fee in addition to the debt placed with their office. I question if it was legal for their office to add a collection fee, and the representative advised that she could not confirm if the additional fee charge by their office is legal, and that no one in their office including management could confirm if the fee their office charged to the residence of XXXX was legal. I advised the representative that I dispute the additional fees added, and one of the tickets that I was not aware of which is a red light violation. The representative advised me to send it in writing which I sent via email on XX/XX/2017. I left a message within another department of Municipal Collection of America to dispute the validity of the debt, and requested a itemize statement that included Municipal Collection of America fees so that I can confirm if this is legal with my local Attorney General XXXX office by filing a Consumer Complaint. Today XX/XX/2017 I was contacted by Municipal collection, and received a voicemail to contact XXXX regarding this matter. 

Municipal FDCPA Violation : No Foti message left when leaving a voice message on a Generic Voicemail by XXXX 

Municipal FDCPA Violation : Upon Contacting XXXX Failed to validate identity, and to disclose the Mini Miranda during 2 point of communication contacts. 

Municipal FDCPA XXXX : Adding collections fees to debt that are not legal. 

This raises question as to how many other XXXX residents that have paid collection fees to Municipal Collections of America XXXX Inc paid by residents, and non residents. Failure to comply with the FDCPA, and I am requesting an investigation of this company for Illegal Collections Practices. 

Thank you in advance, XXXX Ph # XXXX email : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten verbal and non-verbal permission 15 USC 6802.

Per the privacy act of 1974, as amended 5 USC 552a The privacy act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account with XXXX XXXX in XXXX the limit was {$300.00}. I paid that Account off but it still showed open on my credit report. The Card I had in XXXX was not a secured card. Recently in XXXX of XXXX I recently got a secured card with them with a {$200.00} dollar limit. Instead of XXXX XXXX reporting that I had a new Account with a new Card someone went in and changed the information on my non prepaid account to show that the old account in XXXX limit dropped to {$200.00} from {$300.00}. This made my Credit Limit drop 60 points. Is this legal?
Product: Mortgage

I refinanced my home loan with Rocket Mortgage in XXXX XXXX. The monthly payment was set at {$1200.00}. I then received the XXXX XXXX statement in XX/XX/2022 which stated that due to a shortage in my escrow account the mortgage payment would be increasing to {$1500.00} - an increase of $ XXXX. After some investigation I figured out that between Rocket Mortgage and their title company XXXX, the taxes associated with the house were improperly disclosed on the Closing XXXX. My house is located in an area that pays both city XXXX XXXX taxes. They completely missed the city taxes. When I figured this out I called their customer service to help me resolve their mistake. The issue got escalated to a XXXX, XXXX ; she admitted multiple times on the phone that they made a mistake and missed the city taxes and did not disclose them to me. First, she told me that it was my fault for not seeing the issue on the closing disclosure and bringing it up them as if that is my responsibility or that I would even know to do that. I asked for a credit on the escrow account for the amount that was disclosed wrong and she refused. I understand that the city taxes have to be paid and there would have to be an adjustment to my payment moving forward but the fact that they are charging me over and above that to recoup the amount that they missed disclosing in the closing disclosure is wrong. She finally agreed to look into the issue further and told me that she would follow-up with me the following week but assured me that she would immediately sent me an email with her contact information. I did receive an email but it was just her first name and picture. There was no contact information and the email it was sent from was not hers but rather an unmonitored email address. I had no way of contacting her directly to ask for any updates or to follow-up with her. It has now been XXXX weeks and I have not had any updates regarding the issue and XXXX communication from anyone at Rocket Mortgage. I have put an email in to their general " help '' email explaining the issue and my disappointment with how they have handled it. I still have not received any response. I explained both in the call with XXXX and in my email to them that I would be submitting a complaint to the CFPB. They have done nothing to even attempt to ratify the mistake that was made on their end. Instead, they have put that burden onto me by increasing my monthly payment in order to make up for the shortage in escrow that is a result of their mistake.
Product: Bank account or service

I have been with US Bank for over 13 years. I have both personal and business accounts with this bank. For sometime the bank would processes and update transaction at midnight and they would come through out bank account in the morning. Transaction included debits on our visa cards, credit charges on our visa cards, checks and returns from others deposits and banking fees. I could log into my account in the morning and if my account was over drawn I could transfer money to cover these items. within approximately the last 6 months that bank is n't timely processing our account transactions any more. It is very costly to us and incurring more fees because the our scatter among a day or two full days after the transaction was processed. Even using my visa card the items come in 2 days after. Returns from customers are showing up two to three days later, causing additional fees to our account. They seem to also be processing items all at the end of the day right at closing time, so as to not allow us anytime to cover anything and therefore cause additional banking fees to be able to be charge. I find this frustrating to say the least. I ca n't control some of this including the return deposits we get back however, now with the delayed processing of US Bank I ca n't transfer funds to cover these returns either because they do it at the very end of the day and then charge the fee. What happened? How can the processing change and delay two to three day without letting us know. How come they are not entering things as the use to once it clears over time and have it show up prior to business hours in the morning so we can transfer funds to cover theses items. This is just XXXX more of those banking scams that allow them to charge obsorbert fees and get away with. I should be able to relay on a processing schedule that has been followed for years and not be bounced around with these types of changes and without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an acct that is illegally being reported to my collections causing negative effect on my credit. Equifax removed the acct then added it back to my credit report. This company REFUSED to take payments and can not confirm the validity of the amounts owed. XXXX has received credits and can not actively collect these ALLEGED amounts.. allegey this acct was written off XX/XX/18 they hung up on EVERY attempt made to rectify and is in violation of the debt collection act yet Equifax removed the acct then added it which is in violation as well. I went diversified consultants removed from my credit IMMEDIATELY AND PERMANENTLY
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX : {$4300.00}
Product: Debt collection

According to the FCRA, it is Equifax job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with Equifax is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true.

I had asked Equifax two months ago for the following they could NOT provide : How did you investigate this account?

Who did you speak with? 
What date and time was this investigation Equifax could not provide any information. 

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.
Product: Mortgage

i applied for financial assistance with rhe homeowner association fund back in XX/XX/XXXX my application was finally completed XX/XX/XXXX during this process ny mortgage company service mac denied receiving important documents to process my application which may it impossible to complete in a timely matter on XX/XX/XXXX XXXX the home owner association fund made a payment for XXXX on my behalf to cover XX/XX/XXXX payment there stating they haven't received it despite having a copy of the confirmation number i have also received collection calls regarding this payment and also im at risk of being reported over 30 days late to the credit bureau in addition i was reported late back in XX/XX/XXXX which in fact in place my mortgage in forbearance to avoid this situation i have been reaching out to my mortgage company for almost 3 weeks at least 2 times a week trying to resolve this issue i really need help getting this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit card

I applied for a home loan, my credit report showed this delinquent credit card at capital one in my name but I've never had a capital one card. So I called capital one and told them there is a fraud/identity theft account in my name and it needs to be eliminated they agreed to freeze/restrict & close the account and open an investigation, but their judgement is pending and they told me this could take months to process.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/XXXX {$9800.00} XXXX XXXX  XXXX XX/XX/XXXX {$3600.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

XXXX XXXX XXXX billed me for services I did n't authorize Since day one I asked for proof of authorization and I will gladly pay this off. All they have is an itemized bill that XXXX XXXX made up and sent to them. No signatures or anything on mybehalf. 

I spoke with XXXX XXXX today. She is a manager in the billing department and the one who has been handling my case. 
She let me know that as of today they only have an itemized bill. This has been the case since day one. 
She always states that they requested proof of authorization from XXXX XXXX office and they are still waiting for it. I asked if theres a timeline or deadline given to their office and she said no. 
So I am just supposed to allow this to remain on my credit for as long as they want to i guess. 

I called back and asked to speak to another manager. They connected me to XXXX XXXX on XX/XX/XXXX @ XXXX He provided me with a record of dates of when I called. ( listed Below ) He then said that I needed to write a written letter within 30 days of them receiving my file which was on XX/XX/XXXX to let them know I 'm contesting it. But if you look at the dates, I called 2 days after it was submitted to their office and no one let me know about this written protocol. 

I 've always been told by XXXX XXXX that once the Dr office can not prove authorization then all negative marks on my credit will be removed. 


XX/XX/XXXX Date claim received at Capital Accounts Calls by me to Capital accounts for updates and information XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Capital Accounts XXXX ( XXXX ) XXXX XXXX XXXX XXXX Letters can be sent to : XXXX. XXXX XXXX XXXX TN XXXX XXXX Initial billed amount : {$2500.00} Current amount due : {$2700.00} Collection sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Checking or savings account

First I want to thank you for retrieving {$110000.00}. of my money. But the full amount was {$120000.00}. The did apply {$5.00} interest from XX/XX/2023 until XX/XX/2023. Id like to know where the other {$10000.00}. is.
Product: Credit reporting or other personal consumer reports

I am not aware of any of the following companies listed below. 

XXXX XXXX XXXX XXXX, {$1700.00}, XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX, {$1200.00}, XXXX XXXX XXXX XXXX, {$1000.00}, XXXX XXXX XXXX XXXX {$750.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX  {$620.00}, XXXX XXXX XXXX XXXX {$620.00}, XXXX XXXX XXXX {$410.00}, XXXX XXXX XXXX XXXX {$350.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 my Experian online account was hacked and the personal information was changed, I was locked out of my account. I called Experian and got my information changed back to my information and supposedly put a freeze on the account. My SS number was stolen and one of the accounts on my Experian credit report was contacted by this hacker. 

One week later, on XX/XX/2021, my Experian online account was hacked by the same person ( I know this because the email address used and all the information changed was the same as last week ) and I was once again locked out. I called Experian again and got control of my account by changing all the information for a second time. 

The Experian account, in my opinion, is being hacked into by someone related to Experian, or from within Experian. My password was a 20 digit randomized password and no one has access to this information. I fully expect to go through this again next week. I believe my SS number was stolen from the Experian account only after the account was accessed.
Product: Mortgage

XXXX XXXX XXXX in XXXX has been trying for almost a year to get information from Select Portfolio Servicing to clear my house title
Product: Credit card or prepaid card

The following transaction was charged against a debit card I hold from XXXX XXXX on XX/XX/2021 as follows : DEBIT CARD PURCHASE XXXX XXXX NV ( Cash ) - {$100.00} I am informed this card was issued and run by the BNY Mellon bank out of XXXX, Delaware. I filed a complaint via XXXX immediately by telephone as soon as I saw the charge, and they canceled that card and issued me a new one. 

A week or so later I received a response from the Mellon bank as follows : Dear XXXX, This letter is in response to the fraud claim you have submitted to BNY Mellon concerning your XXXX Visa Debit Card. 

You have stated in your fraud claim that unauthroized charges have posted to your Debit Card. We have investigated the claimed charge. Based on this investigation, BNY Mellon has determined that these charges are valid ....

Therefore, BNY Mellon is denying your clain and considers this matter to be resolved.

No monetary reimbursement of the charge will be forthcoming from BNY Mellon.

That amount of money was not insignificant to me ( unlike, say, to BNY Mellon ), as I am retired and live on my Social Security. I called XXXX again towards the end of XXXX, when nothing happened, and have heard nothing since.
Product: Debt collection

Lady called me from Victoria Secret said I owed three payments. I told her Im not three payments behind and asked for the amount she said {$100.00} to include XX/XX/XXXX payment so I asked how much is past due that she alleges and she said I owe {$35.00} for two payments I said that doesnt make since how do I owe {$35.00} for two payments?

I also checked my credit report and they are report me 30 days past due for XXXX and report me past due three times since XXXX.