23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I recently received a voicemail from a debt collector, and then the next day I received and e-mail from the same debt collector for the same debt. 

Now it is my understanding that they are allowed to try to communicate in these manners to collect a debt. That's all fine and dandy, however the e-mail failed to provide a link to opt out of receiving e-mail notification. The link they provided was written up as below : Update your communication preferences by visiting http : //www.reliantcapitalsolutions.com/consent/ Upon Visiting the link provided I noticed wording that almost seems to appear, that by filling out certain information on that page you are " CONSENTING '' to them contacting you by those means, rather than opting out of the methods of contact. This said, those items are also required fields. Example is the wording for e-mail : " By providing your email address you consent to Reliant Capital Solutions , LLC contacting you at that address regarding any accounts for you placed with Reliant for collection. You understand and agree the email communications will contain account specific information. You have the ability to withdraw consent or opt-out of those emails at any time. '' There is no clear way in the e-mail I received to opt out of e-mail notifications. 

Secondly, I would assume that even with these new rules that allow them to contact you by other means, that certain privacy rules that have existed for the past 40+ years would still apply. No attempt was made by them to verify whether or not I am the sole user of this e-mail account before attempting to contact me of this debt. I have a XXXX XXXX XXXX mother, that I often allow to use my e-mail address because it is easier for me to help weed out some of the potential scams out there that prey on the elderly 's lack of knowledge for technology. While she does have her own account, it is only given out for select business purposes such as job searching, banking, etc. These rules that have recently changed, obviously did not give foresight to the fact that many consumers my age may share an e-mail account with an elderly parent or a child.
Product: Debt collection

XXXX received a letter from Credit Management for XXXX XXXX for the amount due of {$290.00}. I have never been heard of, been affiliated or done any business with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, experian and notified them that there where several unauthorized inquires on my credit and for them to remove them. First they did n't even care to help me over the phone and just told me I had to file the removal online and also call the creditor to try to remove the inquires first. But over and over I told them that it was unauthorized and I should n't need to do there job for them and that it was there job to remove it. 

I will list the inquires at the bottom that where not done by me and shame on XXXX and experian for trying to ruin my credit. 

XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number BYMAILONLY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number BYMAILONLY Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date FiledXX/XX/XXXX Type Complete Department Stores Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXXXXXX XXXX  and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

When calling Equifax, i originally was calling to dispute a collections. I then found out they dont have a file under my SSN. I then found out my XXXX XXXX XXXX/XXXX isnt reporting to them and my XXXX credit card is not reporting to them. They refuse to help me until i send them my drivers license and SSN card but i do not feel safe sending my SSN card and im worried Equifax has seriously messed up my report.
Product: Mortgage

Hello, We have refinanced our condos from ditech to XXXX. Our taxes for the condos were withheld monthly and out in an escrow account at ditech. The amount is XXXX in our account. 

During the refinancing XXXX  and ditech were supposed to move over this amount or reimburse us. 

None of that happened. Ditech sold all their loans to XXXX  XXXX and now I cant get hold of anyone. 

We sent a letter to ditech 15 days ago with XXXX  and didnt hear back.
Product: Debt collection

I know I paid the amount off to XXXX XXXX XXXX XXXX but I also applied for financial aid with them due to Im on fixed income. They did not send me any more information about if I was approved for financial assistance I also have tried contacting them many times to discuss. Then their debt collection company gulf coast collection I have written them talk to them on phone many times told them I want to dispute it and all I get is multiple phone calls voicemails a day every day something has to give and they marked my credit for this
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint on Consumer Portfolio SVC. Consumer Portfolio SVC is refusing to remove " DEROGATORY '' and inaccurate information from my XXXX credit report as XX/XX/XXXX. 

1 ) In my XXXX profile Consumer Portfolio SVC is currently reporting the original loan balance as {$13000.00}. 
On my XXXX Credit Report it states the original loan balance {$12000.00}. 
There are inconsistency in the original loan balance on two of 3 of my credit reports from Consumer Portfolio SVC, therefore I'm requesting all inaccurate information from Consumer Portfolio SVC be removed immediately. The account is closed! 

2 ) This account has been settled and paid in full in XXXX, has never been late. 
Therefore Consumer Portfolio SVC is in violation, as a consumer I have right to a accurate credit report. This must be removed immediately. 

15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

Consumer Portfolio SVC has abused, violated my rights as a consumer, I will take legal action against Consumer Portfolio SVC if all this information isn't removed immediately!!

And I ask Consumer Financial Protection Bureau open a thorough investigation into Consumer Portfolio SVC of how they handle consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

On XXXX, I received an email that my card account was closed. I called Discover customer service and they stated it can not be reopened and was closed due to inactivity. They attempted to transfer me to XXXX XXXX, who was closed and hung up on me. I called back was provided the number to that department directly. I called once they opened and was told the account could not be reopened. They stated it was closed on XXXX and a letter was sent that day advising me of same. The email I received on XXXX states it was closed effective the date of the email. Im receiving conflicting and wrong information from them. I just want my account reopened. Theyve closed it without notice which is bad business. 

Im a young consumer purchasing my first home. Closing my credit card can be harmful to my mortgage process.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I submit 2 wire transfer and they deliver only one transaction they don't keep me update on the second one the client didn't receive the money and they check with they bank and tbere is no upcoming wire transfer from me
Product: Credit reporting or other personal consumer reports

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. 


has violated my rights. Or list of inquiries 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.
Product: Credit reporting or other personal consumer reports

The following account reporting only on Equifax is not mine : XXXX XXXX XXXX- XXXX {$3100.00} XX/XX/year> I contacted XXXX and XXXX them for a copy of the application and they told me they don't give out that information. I filed an FTC report which I am including, along with my license and a proof of address. This account is most likely the product of identity theft since my name is so common. Please removed this from Equifax as promptly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have right under 15 USC 1681.

Transunion is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on my credit report I am questioning the accuracy of a proper investigation being made. I have disputed these accounts on my credit report, they all have come back as verified by XXXX, XXXX, and Equifax. XXXX, XXXX, Equifax are reporting accounst as verified but the last dates that the accounts was updated or verified was years ago. So if a proper investigation was completed these accounts would have a current date. XXXX, XXXX and Equifax has not been truthful in their investigation practices. They are reporting the following incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( Equifax ) How can this be correct with all of these discrepancies? The effect of this type of error is the unfair suppression of your credit score and credit report recovery. This type of credit reporting error, if left unchecked, will cause a negative item to appear on your credit report longer than is legally allowed. I would like to request this error looked into and the listed accounts deleted from my credit report please.
Product: Student loan

I applied for an income-driven repayment plan with Ed financial probably two months ago and was waiting to be accepted and I never heard back from them. My grace period ended a few days ago and I went to check my loans and it still says I do not have a payment due and that I have a XX/XX/XXXX due date to pay back {$0.00} worth of loans, even though my grace period is over. I also received an email on XX/XX/XXXX that says that I have {$0.00} due, with a due date of XX/XX/XXXX, Which makes me really confused as to how or when my loans will actually be able to be repayable and if I am actually enrolled in an income driven plan. I tried to contact them a few times and either don't hear back or I am told that their communication lines are too busy to take my chat or email. I just want to make sure I am in a good standing to pay my loans and not have to keep waiting and end up in a bad situation with my loans.
Product: Consumer Loan

My complain is for a Finance Co. by the name of Veros Credit, LLC. I am a used car dealership that paid off several accounts to them. These accounts were paid off between XX/XX/XXXX and XX/XX/XXXX, as of this date I have not received the ownership titles belonging to the vehicles of the accounts that were paid off by us. In numerous occasions we have contacted their corporate office regarding the release of titles, they REFUSE to release them due to unresolved issues that we have on other accounts, not related to the accounts paid off. Their answer to me has been, title will not be released until our unresolved issues are resolved. 
Veros Credit, LLC. is causing and putting my business in a financial hardship position because of other financial instutions holding on to my money due to us not being able to turn in titles to them that are held by Veros Credit, LLC. This issue has become a domino effect with other lenders.
Product: Debt collection

Receivables performance management is reporting on my Credit report in a negative way with a {$0.00} balance. I have contacted the original creditor ( XXXX ) to get this cleared up because I currently use their services.. After speaking with XXXX they stated that I did n't owe them anything and that my current account was up to date. I have never paid RPM any money so I called them to check this status and see how I can get this removed. They stated that they cant remove anything and that I will have to dispute it with the CRA. I have Disputed this before and it has been removed from one agency. I called the CRA and they stated that RPM has to report it as removed or deleted in order for it to come off of your credit report. Once I reached back out to RPM they stated that unfortunately they can not delete anything even if it has a {$0.00} balance and I did n't pay them. She assured me that there was no other way of reporting this to the CRA as removed but I know that it has been done before. She told me to call the CRA again and ask them when will it be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a followup on previous Experian complaint # XXXX. Experian said the data furnisher verified that the disputed information was accurate as reported.???? How could anyone verify after reviewing the documents? Experian needs to review the following since XXXX XXXX XXXX XXXX refuses. XXXX  XXXX XXXX XXXX withholds information and drags any investigation 3 1/2 years later. Experian needs to be advised XXXX XXXX XXXX XXXX quickly calls everything a duplicate complaint as they will probably do with this complaint. EVIDENCE - Attached is two applications for two cars purchased in my name. Same day and same dealership. Both applications are incomplete. The phone number and email address is not mine. One is dated XXXX and the other is not dated. One list salary as {$25000.00} and the other list salary as {$300000.00}. One reflects self employed ; the other reflects employed. Credit report is dated XXXX ; one day prior of authorization. Neither was to be processed as reflected on the application and neither had permissible purpose to pull my credit. Then two fraudulent contracts were executed in my name.
Product: Debt collection

XXXX XXXX appeared on my credit report, today. I have not received any information from this company, a statement, who they are collecting for, nothing.
Product: Debt collection

They are reporting on my credit reports a collection account for XXXX. i have disputed multiple times with the credit bureaus and informed them this isnt mine. they refuse to provide proof that this debt from XXXX belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following accounts has violated my rights : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my Trans Union, XXXX and XXXX credit report is fraudulent and not my account : XXXX XXXX XXXX XXXX, XXXX, {$370.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Anytime I try to access my Equifax credit report, it says that its not available. I tried to access my Equifax credit report through myequifax.com and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX  are not displaying my mortgage payment history correctly since XX/XX/XXXX through XX/XX/XXXX. I had a forbearance with Freedom Mortgage during that time due to the pandemic, Freedom has received a a lump sum and consistent payments since XXXX XXXX Freedom mortgage states that they are reporting as current, the two agencies says yes l am current however no data show for the months listed above and l am unable to get a fair and accurate rating for my report. I want my credit report to be given that same energy as if l was late.
Product: Payday loan, title loan, personal loan, or advance loan

I started a {$8000.00} Citi Flex Loan since XX/XX/2024, it was supposed to be a XXXX installment plan. But the amount ended up showing in my monthly statement 's " Adjusted Balance '' contains repayment of more than XXXX  or XXXX  installments. I have no choice but to pay off more than the agreed monthly installment, in order to avoid late fees being charged to my account, while still paying all those interest rate of my loan.

You can see from my credit card statement, under " Citi Flex Plan Details '', the " payments remaining '' for Plan # 6 Flex Loan drops from XXXX XXXX XXXX during XXXX etc... I ended up clearing the {$8000.00}, XXXX-installment Flex Loan plan in less than 6 months. It doesn't make any sense at all. 

I was also desperate to get help from their customer service hotline. I once called them, described my situation to them, and you know what the rep said? She said I should be happy that I am finishing my loan repayment earlier.
Product: Credit card or prepaid card

I made a purchase on XXXX {$2100.00} at Best Buy using my Citibank-Best Buy credit card. This was 18 month PROMOTIONAL PURCHASE : To avoid interest charges, I had to pay the above amount in full by XX/XX/2022. APR 25.24 % At the end of the promotional period I had a balance of {$200000.00} for this purchase. The credit card issuer has charged an amount of {$1000.00} for deferred interests just for this purchase. 

I called the bank and they gave me all kind of unreasonable answers. At the end none of their representatives was able to explain how {$2000.00} can generate interests of {$1000.00} for a 18 month period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found one account on my credit report that does not belong to me. I discovered it today XX/XX/19 when I got my credit ran by XXXX because I was trying to buy a phone and I didn't get approved because of this account. I have no idea who opened this account or who it belongs to but I never gave anyone permission to open it in my name. I did not benefit anything from this being open in my name such as money, goods or any other benefit and I never made any purchases or payments towards this account. I do not and have never had an account with this company nor did I ever allow them to run or access my credit file/personal information. I have already notified the police regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX. XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Amount- XXXX $ I bought Furniture from this company for XXXX XXXX I then paid it off in installments. Once I paid it off they began calling and XXXX  me about money I owed. The amount they were stating was not what we agreed on when I bought the Furniture. This was in XXXX of XXXX. A few years later it appears on my credit report as a debt that I owe. They sold this so called debt to a debt collector ( Acima Digital FKA SIMP ). It seems as Furniture conspired to scam me all along. Thank you very much for helping with unfortunate, time consuming process.