23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dispute of Erroneous Credit Report Entry Due to Alarm Contract Transfer I am writing to address a significant issue that has recently come to my attention regarding my credit report. Approximately seven years ago, I sold my property and, as part of that process, legally transferred the associated alarm service contract to the new homeowner. Please find the attached document which clearly outlines the terms of this contract transfer. 

Despite this, I have been informed that a collection agency has reported an alleged debt related to this alarm service to XXXX as if it were a recent default. This action is not only incorrect but also highly damaging to my credit standing. It appears to be a clear case of double-dipping, attempting to charge me for a service that I have not used since the sale of the house, while presumably also collecting from the current owner under the transferred contract.

This situation seems to be a severe error with potentially illegal implications, given that the debt is both outdated and invalid. The reporting of this as a recent default is misleading and unjust, significantly impacting my credit score and financial reputation.

I am currently residing outside of the USA, and it is distressing to learn that my credit report is being negatively affected by an issue that was resolved years ago. I request immediate action to investigate and rectify this matter. The collection agency 's claim is baseless and should be removed from my credit report to reflect the true status of the account accurately. 

I am prepared to provide further documentation or engage in a discussion to clarify any misunderstandings. However, I expect prompt correction of this error to prevent any further unwarranted damage to my credit and personal reputation. 

Thank you for your immediate attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX
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 : states a consumer reporting agency can not furnish an account without written instruction or consent. Please provide proof of written consent.
Product: Credit card or prepaid card

I have several cards with Comenity Bank, for the month on XXXX and XXXX I have made my payments, but I keep getting calls saying my payments are not being accepted and Im getting charged late fees, Comenity has been having an issue with their system where you can not access it to make payments online or by phone. But will call you and tell you that you have a missed payment and the amount is now doubled.This issue has caused me over drafts from them going into my account several times and even my credit scores has been affected by this
Product: Checking or savings account

Since I am unable to get in contact with management at my bank, I would like to know why the practice of overdraft fees continues during the COVID-19 pandemic? Am I incorrect in thinking that banks will be getting stimulus packages like any other business? I have not worked for a month now and have recently incurred overdraft fees which I will not be able to address until XX/XX/XXXX. I have already been charged {$150.00} in overdraft fees and my account and additional fees begin XX/XX/XXXX or XXXX. Of the {$160.00} I am presently overdrawn, without the {$150.00} in overdrafts I am overdrawn by less than {$10.00}. Surely given the extreme circumstances of the pandemic the practice of charging overdraft fees should be waved. 

According to many sources over 75 % of American families live paycheck to paycheck. Certainly my situation is not unique and if allowed to continue will cause irreparable financial crisis ' to millions of American families. Overdraft fees are ethically questionable in the first place, but in these extreme times their continuation is the worst form of usury.
Product: Debt collection

On XX/XX/XXXX, I was offered a settlement on a past due debt for an XXXX account. The settlement amount was for {$320.00}. To settle the past due amount of {$710.00}. 
I followed the link in the email they sent and entered my card information. After submitting I received confirmation that my account was resolved and the payment of {$710.00} was processed. 
I called Trueaccord and after an hour of being put on hold and transfer to different agents I was told that it's not their fault and they wont honor the settlement amount.

This seems to be deceptive and shady bussiness practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems with Capital One Bank not reporting payments to credit bureau. I have been using my Capital One Credit Card each month and I also make all of my payments on time. My account is listed as being dormant with no activity reported. Because my account is reported as a dormant account its now a high risk level account which caused my credit score to be significantly decreased. I called Capital One and the Credit Bureaus and I havent been able to get any help. I will like this inaccurate information to be removed from my credit file ASPA and my credit report be updated.
Product: Student loan

The company " Navient '' recently raised my monthly premium with no communication or authorization from me. Navient employees harassed me with phone calls, some times as many as 6 a day stating I was past due on my account even though I authorized them to withdraw a specific agreed upon amount on a monthly basis for specific amount of time. Also, the company " Navient '' does not offer sufficient payment options to their customers. For example, the only option to pay online is a withdraw from a checking account.
Product: Mortgage

I had a lapse in home insurance coverage from XX/XX/XXXX until XXXX of XXXX. I acquired home insurance in XXXX of XXXX. The bank is trying to charge me {$2400.00} for XXXX for a policy they didn't purchase until XXXX of XXXX. I purchased home insurance two months previous to that so how can they charge me after the fact and when I already had Insurance in place. The insurance I purchased in XXXX cost me {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the items listed below that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I have been going back and forth with the bureaus for over 7 months now! I ask that you delete these accounts immediately, or I will be filing a legal complaint against you! These are violations of the FCRA and effecting my everyday life all XXXX accounts are inaccurate in several ways and need to be deleted immediately from all 3 bureaus XXXX  Card several inaccuracies and need to be deleted immediately from all 3 bureaus. 
Never had any account with XXXX XXXX and also several inaccuracies reported and should be deleted immediately from all 3 bureaus
Product: Payday loan, title loan, or personal loan

Titlemax gave me a loan at a time where i was desperate im a XXXX veteran XXXX and was under the impression the interest would be about 42 % its really like 89 % for a XXXX loan to pay back was at like actually giving them over XXXX if paid according to there payment plan due to unforseen circumstances i can no longer pay almost XXXX month i called them in XXXX and told them i needed to surrender the car to them because they would not lower interest rate or call it even cause i have already paid over three times loan amount i think anyway it now end of XXXX and they still have yet to pick up vehicle im out of state and have no means or way to get it to them My question is was i taken advantage of and if so what should i do?
Product: Credit reporting or other personal consumer reports

Experian/Equifax/Transunion have used inaccurate information on the report, list goes as follows. 
XXXX XXXX XXXX Hard Inquiry XX/XX/23 XXXX  XXXX XXXX Hard Inquiry XX/XX/23 XXXX XXXX Hard Inquiry XX/XX/23 Also Please remove all soft pulls and any late payments. 
The Name, as Listed should be only name on report. 
Any Other Address Besides Listed, shall be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX. I do not not have I ever had a signed contract with this collection agency trying to collect and who are reporting information to my credit report. They did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

Experian Original complaint XX/XX/2023 Case # XXXX Experian responded XX/XX/2023 but it was a generic response. However, the following is still incorrect according to MyFICO report dated XX/XX/2023. Requesting a specific response to the following items. 
- XXXX  XXXX XXXX XXXX XXXX was paid and should show accordingly. Also, this account is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- XXXX XXXX is still reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- XXXX XXXX is still reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
- XXXX XXXX is still reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete. 
Adding XXXX XXXX to this complaint. Account XXXX. This account is reporting incorrectly and is not consistent between the three major credit bureaus. The information should be same if it was verified with data furnisher. Please update or delete.
Product: Debt collection

Meade Recovery Services is illegally attempting to collect a fraudulent debt from me from XXXX XXXX XXXX. I was double covered ( insurance ) during the time of my appt., and they did not bill either insurance. I have asked for documentation from XXXX XXXX XXXX and Meade Recovery, yet the neglect to send it. M
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THAE DATE IS NOW XX/XX/XXXX This-fraud account I demand to be removed immediately ACCOUNT : 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 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 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Product: Credit reporting or other personal consumer reports

15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes 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 any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 
- XXXX XXXX  # XXXX Date : XX/XX/2024 Amount : {$800.00}
Product: Credit reporting or other personal consumer reports

My information was exposed in a date breach please and thank you, address, phone number, accounts.
Product: Debt collection

I received a private student loan from Sallie Mae. I am late on payments. They have called family members, friends and employer to coerce me into paying. I called demanding that they stop and was told by account manager XXXX XXXX that she is allowed to reach out to whoever she wants and will continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 
XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$1600.00}. 

. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Checking or savings account

My account with chase is # XXXX i pay for legal services trying to save my home with company call solution foreclosure I send to this company two cashier check one for {$600.00} and another for {$1500.00} for some reason I found out the this company dont have a regular lawyer so I call the company to reverse this fees the company agrees to return my fees {$1900.00} from XXXX XXXX XXXX   check number XXXX check # XXXX the check ready clears from XXXX XXXX chase will not give to me my founds to hire my other lawyer I been evicted from my house and I need to stop the eviction chase is holding my founds my account with chase is # XXXX XXXX XXXX I want to get my money to fix my problem I dont ask for money free I been calling the person assign to my case XXXX XXXX XXXX XXXX case XXXX she dont return my call leave tree messages to her please help me to get my money back
Product: Mortgage

Hello, my name is XXXX XXXX and I have owned my home in XXXX, New Jersey for 33 years. I am facing a foreclosure auction next month because the company that owns my mortgage Caliber Loan Servicing is refusing to consider any options or giving us a chance to save our home. We know that Caliber could work with us and do something to lower our interest rate ( currently at XXXX % ) or even change the term of our loan ( only 10 years left in the term ) to make the payment more affordable but they refuse. This problem began when the loan was with XXXX ( part of XXXX ). You see I had worked for 40 years as a XXXX but during the financial crash in XX/XX/XXXX I lost my job. I could not find work and survived on unemployment and drained the XXXX that was supposed to be my retirement in order to keep the lights on. 

We began reaching out to get some help for the mortgage at that time but were told the only option was a repayment plan which was temporary and raised our monthly payment. XXXX claimed that since they were not a United States bank and did not take bailout funds that they did not have to help us or work with us. This was heartbreaking and seemed extremely callous. I was not surprised when I found that they were fined XXXX dollars by the government for their unethical foreclosure and business practices. I finally went back to work in early XX/XX/XXXX. I resumed making my mortgage payments until I was laid off of my job about a year ago. During this time period the loan was transferred to Caliber. I once again fell behind on the mortgage and have not been able to find any full time employment ( working doing XXXX work and receiving some unemployment ) that would allow me to resume making my full mortgage payment. 

When that happened I began trying to engage with the agents at Caliber but have made no progress and feel that they are purposely obstructing me from available options in order to push me into foreclosure. I want Caliber to review my current financial circumstances in order to qualify me for any government or internal programs that they have. I am certain that they have the ability to modify this loan by extending the term or lowering the interest rate from XXXX % in order to make this affordable, yet they continually turn your back on us. I also believe they have the option to forgive delinquent interest or to wrap it back into the balance of the loan or even defer it till the note comes due. Why wo n't Caliber even consider these options or give us the time of day? Now they have set a sale date for XXXX XXXX. I know we are behind on the loan, but we expect that Caliber at least provide options for saving our home and to communicate with us regarding these options.
Product: Debt collection

I tried to apply for a car loan and discovered there is a XXXX bill collection on my credit report. I tried to contact the company listed on my credit report and they have NO working numbers, or email address or anything. How am I supposed to figure out this " collection '' IF they have never contact me and have NO WAY of getting ahold of someone!!!!!
Product: Credit card

On XX/XX/XXXX I called capitol one about cash advance fees shown on my billing statement after my XXXX XXXX pointed it out. The representative stated it was from XXXX and I needed to call my bank XXXX XXXX  to see about it b/c it shows it was done at the bank. Then she said if the bank can not figure out what happened to call back in and it would be " figured out ''. I called my bank and they can not figure out how the {$120.00} cash advance was done. I did not do it. I called capitol one today and spoke with XXXX XXXX. She stated there's nothing that can be done about it b/c it was from XXXX and I would have to write into Capitol One about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, recently reviewed my consumer report and noticed inquiries which I did not consent to, authorize, nor benefit from being reported on my Equifax consumer report. I submitted an identity theft report to the FTC on XX/XX/2022 and have mailed the FTC report to Equifax, instructing them to block and remove these inquiries from my consumer report, which they received on XX/XX/2022. I gave them more time to register the report into their system and remove the fraudulent inquiries being reported, but they only removed one inquiry, which does not result in a solution. I demand that they block and remove the remaining inquiries on my report.