23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Contacted company to ask them to close out an allegeddebt of {$1200.00} on behalf of XXXX XXXX XXXX XXXX. According to XXXX XXXX XXXX I have no balance. Please remove from credit. Also the alleged debt is almost 4 years old on XX/XX/2021. This alleged debt is almost to the statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a repayment agreement that was fulfilled and the account was paid in full, yet on my credit report it is listed as charge off.
Product: Credit reporting or other personal consumer reports

I requested validation/verification on multiple occasions. I was told by the credit bureaus representatives that the company simply saying its verified is enough to mark it as verified. Federal law states that if This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Creditors and other furnishers of credit information are required to remove and block the information. Credit information must be reported consistently across all credit reporting agencies. I have provided proof as seen in the attachment of the inconsistencies and fraud and its still being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried numerous times to get the following credit report agencies to investigate this alleged bankruptcy reporting on my consumer credit report ( from XX/XX/XXXX till current date XXXX ). They have failed to respond. I have sent verification ( drivers license and social security card ) still no response given.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX  - XXXX - XX/XX/XXXX - XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - XXXX XXXX  - XXXX - XX/XX/XXXX - XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a consumer by the law and my information was misused and now I have some false and no XXXX XXXX  accurate accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information that has been reported on all 3 of my credit reports. The information in question is in violation of the Fair Credit Reporting Act ( 15 USC 1681b ) and the Identity Theft and Assumption Deterrence Act ( 18 USC 1028a ). 


I recently obtained a copy of my credit reports from XXXX, Transunion and XXXX and discovered that there are items listed that do not pertain to me or are misrepresented. These inaccuracies are damaging my creditworthiness and financial reputation, and I believe they may be the result of identity theft or fraudulent activity.

Specifically, the following items are incorrect : XXXX XXXX XXXX- account # XXXX ( wrong dates ) XXXX. XXXX XXXX- account # XXXX ( wrong dates ) XXXX. XXXX XXXX account # XXXX ( wrong dates ) I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge you to take measures to prevent further dissemination of this false information and to hold accountable any parties responsible for its inclusion on my credit report. 

Additionally, I am writing to formally request validation of each alleged debt they are attempting to collect.Pursuant to the FDCPA, I am entitled to request validation of these debts, including but not limited to : 1. Verification of the amount owed.

2. Proof that they are licensed to collect debts in my state.

3. Documentation showing that they are the legal assignee of the debt.

4. A copy of the original agreements with my signature, validating that I am legally obligated to pay these debts.

5. Details of the original creditors, including contact information. 

Under the FCRA, credit reporting agencies are required to report accurate information on a consumer 's report, also conduct a reasonable investigation of items on a consumer 's credit report. They must promptly delete these inaccurate items from my credit report. Outlined in Section 1681i of the FCRA. 

With this letter are copies of documents supporting my claim. 

Please keep me informed of the progress of your investigation and any actions taken to resolve this matter. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will take swift action to address these inaccuracies and restore the integrity of my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX  BALANCED {$700.00} XXXX XXXX XXXX XXXX XXXX {$8900.00} DEPT OF EDUCATION/XXXX  XXXX XXXX {$3800.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX / self lender, has reported on my account that I had a late payment on a closed out account it was closed out on XX/XX/XXXX with a XXXX balance and it was reported late on the XX/XX/XXXX And XX/XX/XXXX showing a XXXX balance but preventing me from getting a mortgage, according to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. witch was not done by XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Debt collection

JUST RECENTLY XXXX XXXX XXXX ( ON BEHALF NATIONAL CREDIT SYSTEMS ) FILED A WAGE GARNISHEDMENT, ON A DEBT THAT WAS OVER 1O YEARS OLD. I WAS IMPROPERLY NOTIFIED, AND WASN'T ABLE TO DEFEND MYSELF IN COURT TILL IT WAS TOO LATE.

PRIOR TO THEM FILLING THE WAGE GARNISHMENT, THEY ALREADY RECIEVED {$3100.00} ; WHICH WAS THE PRINCIPAL OF THE DEBT. HOWEVER, NOW THEY ARE COMING AFTER ME FOR MORE MONEY.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this  company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. XXXX {$1200.00} XXXX {$590.00} XXXX {$2400.00} XXXX {$520.00} XXXX {$130.00} XXXX {$130.00} XXXX {$490.00} XXXX {$7400.00} XXXX XXXX {$2100.00} XXXX {$60.00} XXXX {$9500.00} XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX {$18000.00}
Product: Credit card

In XXXX 2015, during a business trip, my Capital One CC was comprised. Almost 1k in transactions appeared on my account. Until recently, I was satisfied with Capital One 's resolution. Apparently, during the fraud investigation, my account was inadvertently credited twice for the fraudulent charges. At that moment, I nor, Capital One caught the error. Capital One caught the error and sought to resolve which is their right. However, its been 5 months since the original occurrence and I thought it a closed matter. How Capital One handled the error, is the reason this form is being filed. On XXXX XXXX - the purchase adjustments were made to my account. At first glance, when I reviewed my account, I thought the card had been comprised yet again! It was only after speaking with the customer service representative that the issue ( as described above ) was revealed. He advised a letter was sent to me on XXXX XXXX, 2015 advising of the adjustment! My ire stems from the fact, they should have notified me BEFORE any adjustments. Its been 5 months and to just randomly charge someone without knowledge is more than a little inappropriate. Never mind, there was XXXX transaction that was later determined to be legitimate. It was adjusted on my account on XXXX XXXX, 2015. I have now paid 2x for this service due to this error.
Product: Credit reporting or other personal consumer reports

The issue is that they are not responding to my requests, and each time I ask them to review inaccuracies, they mistakenly claim I am someone else, despite me providing all of my personal documents. According to the FDPCA and FCRA, all information must be validated and reported with 100 % accuracy, which is not being upheld in this case. 

I have attached a letter requesting them to validate and verify the information to ensure it is being reported completely and accurately.
Product: Debt collection

An account has been reported on my credit, it is a lease for an apartment. This account is NOT mine and I have reported this to the policy department and filed my FTC identity theft reportXXXX XXXX XXXX XXXX XXXX gave a lease to someone under my information, I am attaching my ID in which you can see I did not even get my permit to work and arrived to the XXXX until XX/XX/2022 how could I have signed a lease in XX/XX/2022 and have proof of income? Please remove this from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a dispute to Experian on XXXX to dispute incorrect account information on my credit report. I put a dispute to Equifax on XXXX to dispute incorrect account information on my credit report. These two credit bureaus state that I have two XXXX XXXX XXXX  credit cards, which I do not have. These two credit bureaus also provide me with credit report with incorrect full name, birthday and address. 30 days later, I received result from the bureaus saying that XXXX XXXX XXXX verified they reported correct information to them. These two bureaus asked me to contact XXXX XXXX XXXX and get a proof saying that I don't have any credit card with them. I went to XXXX XXXX XXXX. XXXX XXXX XXXX said that I don't have any credit card with them. XXXX XXXX XXXX asked me to connect with Equifax and Experian to solve this problem. I spent over 20 hours calling and solving this issue. But it can never be solved. It has almost been 1 year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted request after request for my credit report inaccuracies to be removed almost a half dozen of times. The response that is being received is either not making sense or requesting verification on my credit profile in which this has already been included with the disputes. I tried to called XXXX and kept getting an automated recording after entering my social security number, their company was the first to respond on my disputes not correcting anything requested and then put a credit fraud alert on my account blocking credit applications from being processed when the fraud complaint was on the credit bureaus for reporting inaccurate information that has been asked to be removed. XXXX request you to upload a black and white copy of your drivers license and the Fraud Alert Form to be in black and white, but they issue the application in color. XXXX XXXX is continuing to kill trees sending the same letter requesting me to verify an account that " they say '' can be set up online. 

All of my rights has been violated under the follow 15 U.S.C 1681 Section 602 A states I have a right to privacy. 
15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my permission. 

I could go on and on, however we all know the laws regarding consumer fair credit, but yet and still there seems to be nothing done regarding all of these inaccuracies that are being reported regarding these issues from consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account with Midland Credit Management, regarding an old credit card balance for {$2200.00} from XXXX XXXX XXXX. Midland told me that if I paid them {$1000.00} to settle the account, they would take the account off of my report. They said that they could completely delete the account, because it was over 3 years old. I  sent {$1000.00} to Midland through XXXX XXXX on XX/XX/XXXX. As of today, not only is Midland still reporting the account on my credit file, but they are also reporting that I still have an outstanding balance of {$1200.00} owed. This is in complete contrast to what they told me what would happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  # XXXX, sent me an XXXX Application : On XX/XX/XXXX, My Physician and I filled out the application and sent it in. XX/XX/XXXX I received a response saying they were reviewing my application and XX/XX/XXXX they replied my physician did fill out the application. I have proof and the account is old.
Product: Credit card

i have been a valuable member and have used and paid the card only to receive a XXXX increase in my limit. I think this is ridiculous and i would use the card alot more and pay it off more if the limit was increased. When i opened the account the lady told me that i could probably request a XXXX limit within about 3 months but yet i am at XXXX. My credit report shows i pay all my bills, no matter how many there are, they are paid. I have no collections, i have no past due balances and i am not near my limit on anything
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX, I was approved for a personal loan with Upstart Financial in the amount of {$7700.00}. The repayment term was 60 months, interest rate of 25 %, a loan processing fee of 10 %, and a monthly payment of {$220.00}. To date, I have paid approximately {$2100.00} towards my personal loan. However, I was checking my balance online and my account states I owe {$7800.00}, more than my original loan amount of {$7700.00}. 

After reviewing all of my payments made over the past 14 months, Upstart Financial has not applied any of the payments towards my principal. I contacted Upstart and talked to a manager to find out what's going on with my account since none of the {$2100.00} in payments were applied towards any part of my principal balance and now I actually owe more than my original loan amount. 

The manager advised me that their company charges the financial charge each day at the rate of 25 %. I was never informed by Upstart that the finance charge was going to be assessed each day on my balance. This type of lending is criminal and predatory. California and Federal law prohibit daily and compound interest by any lender. 
Charging my account daily interest ( without my knowledge ) is in direct violation of the Consumer Protection Laws and TILA. In XXXX, Governor XXXX passed a law placing a cap on interest rates, excessive fees, and requiring interest calculations to only be calculated as simple interest annually. 

Lenders are prohibited from charging any interest during a deferment and during any grace period. Upstart has charged my account significant and unwarranted interest and fees during these periods on my account. For the record, my payment due date is the XXXX of the month. For example, my XXXX payment was due on XX/XX/XXXX, and I have a 15 day grace period. The payment was made on XX/XX/XXXX and the entire payment was paid towards interest. I have contacted your company several times to change my due date to the XXXX of the month. I work for the State of California and only get paid once a month on the XXXX. Your company clearly stated in writing that I can utilize the 15 day grace period and there would not be any type of penalty. However, this was a lie and every payment made after XX/XX/XXXX, has only been applied towards interest. This is prohibited under the laws and need to be corrected immediately. 

Payments are required to be posted the date received and the lender is forbidden from charging and additional fees or interest, after the date payment is received. I had two prior loans with Upstart that I paid off. The payoff cashier 's checks were sent to the over night address and Upstart held onto the payments for over 2 weeks, while charging daily interest on my account.
Product: Credit card or prepaid card

I checked into XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TN, on XX/XX/21 and checked out on time the following morning, XX/XX/21. On the way to the hotel, My American Express Serve Card was charged an initial deposit of {$160.00}. When I arrived at the hotel, the clerk said I had to pay again for the room and the deposit amount would " drop off '' when I checked out. The second charge was {$150.00}. My total bill was only {$140.00}, which came off the initial deposit of {$160.00} and the {$21.00} difference was refunded. However, the second charge of {$150.00} is still on hold though the original charges were resolved by XX/XX/21. I have called AMEX Serve two or three times to get this resolved. They see the resolved transaction as of XX/XX/21. They know there is no dispute with hotel for the {$150.00} but aren't going to refund or credit my money back to my account until XX/XX/21. I believe they were supposed to issue a provisional credit after 10 days. The reps I spoke with would only say the policy changed last year. So, AMEX has withheld and denied me use of my own money, directly deposited from my job, without cause. I can't say a notice was issued to Serve cardholders about the policy change. I looked back through my emails and did not see one.
Product: Debt collection

This company CBE is calling me about an ex girlfriend of mine who i havnt lived with in 4 and a half years dont know her number dont know where she lives..and told them repeatedly to stop calling me
Product: Mortgage

I just refinanced my home loan, the company Caliber Home Loans told me it would be without any money from my pocket. They were supposed to roll over my accrued escrow amount to the new loan so that I could pay my property taxes and home insurance. What they did was use my accrued escrow to lower my mortgage loan amount and thus appear to give me a lower monthly payment on the loan. They only put {$890.00} in my new escrow account and my XXXX taxes are over {$4500.00} thus creating a huge shortage on my account. They indicate that they didn't know my taxes were that amount, but the county in which I live in Florida ( XXXX XXXX ) puts up the proposed tax information early in XXXX and in fact the information was on the County website. The closing of the loan was in XX/XX/XXXX, so all they had to do was look up the correct property taxes for XXXX before disbursing the funds. Now, I will have to pay out of my pocket close to {$5000.00} which include XXXX property taxes and Home Insurance for XXXX. This will obviously create a great financial hardship on me. I was informed that my accrued escrow amount would be rolled over, there was total of more than {$4000.00} in that account. I should not have to pay all this money due to their error and not verifying the correct tax payment for XXXX.
Product: Credit card or prepaid card

Was charged an annual fee of {$450.00} on XX/XX/XXXX an account that has not been used and since been cancelled. Cancelled around XX/XX/XXXX American Express is trying to collect a fee on a cancelled unused account. They will not reinstate the account with the perks nor let go of the {$450.00} fee. 

How can a huge company like this try to collect for an annual fee on an account that was almost right away cancelled after the charge of {$450.00}??
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the FCRA Sections 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX BANK XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

I had a loan with PHH Mortgage. They mailed me the XXXX statement and I paid on XXXX, which is today and the due date. But I suddenly got an mail this afternoon from XXXXXXXX XXXX stating my loan was transferred to XXXX with the same due date of XXXX. Both PHH and XXXX didn't give me any notice until today 's mail from XXXX. I logged into my PHH mortgage online account and can not find any information about the loan transfer and the only information I got from my PHH online account was my XXXX balance was still due on XX/XX/2018. I really got confused with which loaner I should pay in such situation as I didn't get the notice from either of them in time. I was shocked by their bad communications with clients.