23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to remove two unvalidated debts from my credit report, despite clear evidence that these debts were not properly validated by the collection agency XXXX XXXX XXXX XXXX. Equifaxs actions represent a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ( a ) ), which mandates the removal of unverifiable, inaccurate, or incomplete information from consumer credit reports.

Details of the Complaint Unvalidated Debts on My Credit Report : The debts in question are tied to XXXX  XXXX XXXX with the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$4400.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$4900.00} ) These accounts were previously managed by XXXX XXXX XXXX XXXX, which failed to validate them after I submitted a formal validation request. 
Actions Taken with XXXX XXXX XXXX XXXX : On XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX XXXX requesting validation of the debts. 
On XX/XX/year>, XXXX XXXX responded, admitting they could not validate the debts because the accounts were no longer assigned to them. 
Equifaxs Failure to Remove the Debts : Despite the lack of validation by XXXX XXXX, Equifax continues to report these unverifiable accounts on my credit report. 
This violates the FCRA ( 15 U.S.C. 1681i ( a ) ), which requires credit reporting agencies to delete unverifiable information. 
Negative Impact on My Creditworthiness : The presence of these unvalidated debts on my Equifax credit report has caused harm to my credit score, affecting my ability to obtain credit on fair terms. 
Equifax has failed to comply with its obligations under the FCRA by allowing unvalidated debts to remain on my credit report. I request immediate action to address this issue and hold Equifax accountable for their negligence. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

A gentleman called my Granddaughter demanding she pay for a debt that she was n't sure even existed. He threatened to have her taken to jail the next day. She panicked, having XXXX small children. Called me to help her pay the amount of {$3500.00}. I had her tell the guy to call me, when we spoke he was very persistent. He would n't accept a personal check as payment, and had to be paid right now or she would be placed into jail, and he would take the house away from her. I 'm an elderly lady and was very scared for her. I decided to give him my credit card info because he scared me, and I was worried for the safety of my granddaughter and grand babies. I asked him to fax me the documents to prove that she indeed owed this money to somebody. He refused to send me any type of receipt. I then called the credit card company to cancel the transaction, the lady said I caught it just in time. That they would n't release that amount of money right away so I was assured the payment was stopped. The following day he called screaming at me for canceling the payment. He said to just give him {$500.00} and he 'll go away, he refused to send me any paper work so I had proof. He has damaged my soul, I 'm scared that this can happen again and to keep your family from harm you do what ever it takes. It 's sad that people take advantage of others. 
I then received a document from the credit card company saying that they have charged my account. This man that strong armed my account information from me turned out to be a scammer. Please will you look into this. I 'm living on a fixed income and do n't know what to do. I thank you much XXXX XXXX
Product: Vehicle loan or lease

I purchased a car for {$14000.00} from XXXX XXXX over 4yrs ago. With my trade-in and cash down payment knocking off {$3000.00}. My payments we're {$380.00} per month. Santander charged me an extra {$8.00} daily in loan fees plus late fees of {$20.00} per late payment. I requested that my loan be rewritten and they said no. I'd have to refinance through someone else. My bank refused to refinance the loan because they said that the price higher than the value of the car. Santander has been calling my reference numbers speaking with third party individuals regarding my personal finance information with their company closed the account without notifying me in writing and put that I owe more than what my contract shows placing this information on my credit report.
Product: Vehicle loan or lease

its a previous laon through wells fargo i had insurance on my vechicle a XXXX XXXX they double charged me re [ ossesd my vechile wrongfully XXXX i was never paid back for all the double an overpayments i made not to mention all the mibney i had tp pay to get it back afetr it was repossed... i believe im owed money from a class acton law suit thast i was never made aware of or reccievdd... .please help
Product: Credit card or prepaid card

This all started in XX/XX/XXXXwith My Bank of America personal credit cards. I meet with my accountant and was told to pay down my credit card debt using my home equity line. For the past 4-5 years I have been paying the minimum amount and was set up on the Bank of America website to make auto payments so I would never be late.

When I attempted to make a {$10000.00} payment if was accepted through the website and then denied. I called Bank of America and we had to have a three way call with Bank of America, XXXX XXXX XXXX and myself to confirm that the funds were available. Once XXXX XXXX XXXX   reported that I had the funds to make the payment it went through.

I attempted to do this four more times between XX/XX/XXXX andXX/XX/XXXX with the same problems. I was told that my payment amounts were larger than my typical minimum payments and that a third party that Bank of America used must have messed up my routing number information. Furthermore they locked me out of my Bank of America online banking and I was and still am set up with paperless billing. So I would have to wait to get a call from Bank of America to make a payment and each and every time they told me that they would unlock my Bank of America online banking page so I could keep making payments.

Within the past two weeks I sent them over {$4000.00} in payments and then they sent me a letter telling me that they were closing two of my credit card accounts. I believe that this was done because I was paying down the cards and it appears to me that they were making it harder and harder to pay my bills. It should be noted that I have been a customer of Bank of America since XX/XX/XXXX.

I believe that this is the predatory lending, I believe that they did not want me to speed up paying my credit cards. I have had over a dozen conversations with various people at Bank of America and each and every one of them said that they could not understand why this was happening to me.

I called today to find out if they have set up a payment plan and was told just keep paying the minimum on the two cards that they cancelled.

I believe that Bank of America has been more than paid for these to cards over the past 13 years with the large amount of interest that they charge.

At this point I need your help to contact them on my behalf and either have the reported amounts due changed to paid in full or set up a payment plan as this has no effected my credit rating.

Thank you for your time.
Product: Credit card or prepaid card

When I applied for the Chase Southwest Rapid Rewards Plus Credit card around XX/XX/2020, the terms were XXXX points after spending {$1000.00} within 3 months and another XXXX points after spending {$5000.00} withing 6 months. 

I received the XXXX points ( posted to my account after my XX/XX/2020 billing statement ). 

However even after achieving the spending threshold of {$5000.00} ( I reached this threshold with my XX/XX/2020 billing statement ), I do not see the additional XXXX reward points posted to my account. 

Chase claims that my account does not have any offer to earn XXXX bonus points. 

I strongly dispute this. I attach few documents which corroborate that I applied for the offer with the additional XXXX bonus points : 1 ) Offer details from this card from Chase website accessed on XXXX XX/XX/2020 ( you can see the date stamp on the top left of the 1st page ) - 2 pdfs which clearly mentions this offer. 
2 ) Offer details from this card from Chase website accessed on XXXX XX/XX/2020 ( you can again see the date stamp on the top left of the 1st page ) - which again clearly shows that this offer was still in effect. 

I had used the link from one of these offer pages ( on the Chase webpage ) to apply for the card. So when I do so, it clearly indicates to me as a customer that I am entering into a contract based on this offer.
Product: Credit card or prepaid card

I used to have credit card with BOA long time ago but never get a reward for point or cash, add to much fees every statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Student loan

I believe Fed Loan Servicing is defrauding student loan borrowers. have applied for Public Student Loan Forgiveness multiple times. I meet the criteria. I have followed every step. I continue making my payments. They made a clerical error. They denied forgiveness based on their clerical error. I have been employed by a verified employer since XXXX and they entered XXXX which subsequently omitted many years of qualified payments. 

I found there error. Called. They called me to resubmit. I did. They did not correct the error. I called again, they said they would begin a formal review to correct the error and I would hear from them in 7-10 business days. 

Instead, 15 days later they are selling my loan off and not qualifying me for forgiveness. 

I have been on hold for 2.5 hours. Today I have been on hold for three hours and have not hung up my phone.
Product: Credit reporting or other personal consumer reports

Recently I viewed a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding Portfolio Recovery Associates ' failure to validate a debt I requested information on. I submitted a debt validation letter, per my rights under the Fair Debt Collection Practices Act ( FDCPA ), seeking detailed information about the alleged debt in order to determine whether it is legitimately mine. 

However, the response I received from Portfolio Recovery Associates did not provide sufficient information that would allow me to assess whether I owe the debt. They have provided generic documentation without including the necessary details such as the original creditor, account history, or any signed agreement demonstrating that I am responsible for this debt. This lack of adequate information hinders my ability to validate the debt and has caused unnecessary delay and confusion. 

Furthermore, it appears that Portfolio Recovery Associates is using delayed tactics to prolong this process without providing any meaningful resolution or transparency. This is not only a violation of my rights under the FDCPA but is also causing undue stress and frustration. 

I respectfully request the CFPB to investigate this matter and hold Portfolio Recovery Associates accountable for their failure to provide proper validation of the debt. I seek assistance in ensuring they comply with legal requirements by providing the necessary documentation or ceasing further collection efforts if they can not validate the debt. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dpt Treasury Closed ReportedXX/XX/XXXX XXXX XXXX Closed ReportedXX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed Reported XX/XX/XXXX Diversified {$340.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$390.00} OpenedXX/XX/XXXX XXXX XXXX {$640.00} Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute these accounts in many times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The follow ing accounts are listed below : XXXX XXXX Balance : {$6600.00}, XXXX XXXXXXXX XXXX Balance : {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted the bureau directly to let them know this account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, Creditor : XXXX XXXX XXXX, has violated my rights. 
XXXX5 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 an account without my written instructions. 
I need this information to be verified, because I did not open any account with this creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent Equifax a dispute via certified mail regarding an account with XXXX XXXX XXXX XXXX that was showing inaccurately on my report. The account was showing an inaccurate date of last payment of XX/XX/XXXX, a comment that I never made the first payment on the account, and an incomplete and inaccurate payment history. As of today, XX/XX/XXXX, Equifax has not completed the investigation of this account. I have disputed this account several times and the inaccuracies are still present. Equifax has violated the FCRA by not completing my dispute within 30 days and by failing to investigate obvious inaccuracies on the account I disputed. I called Equifax on XX/XX/XXXX and informed them that the 30 day period had ended. The representative on the phone looked up my dispute, which has a confirmation number of XXXX, and confirmed that Equifax was still investigating and that there was nothing he could do to fix the situation. Attached is a screen shot taken today showing the investigation was still pending as of XX/XX/XXXX at XXXX and that the dispute was received and processed by Equifax on XX/XX/XXXX. The extra time is not the only issue here : Equifax has repeatedly verified inaccurate information relating to the XXXX account on my report.
Product: Debt collection

I keep getting called from Portfolio recovery associates. They arent asking for me but continue to call me over and over even after I informed them Im not the person they are asking for. Its repeat calls at all hours and weekends.
Product: Debt collection

I am writing to formally dispute the reporting of the collection accounts listed under [ Account Number for The XXXX ] and [ Account Number for XXXX XXXX XXXX ]. This dispute is based on the following violations : Failure to Provide Notice of My Right to Dispute Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. XXXXg, a debt collector must provide a written notice of my right to dispute the debt within XXXX days of initial communication. Neither The XXXX nor XXXX XXXX XXXX provided me with this legally required notice, which is a direct violation of my rights under federal law. 

Unlicensed Collection Activity in Florida According to Florida Statutes XXXX, all collection agencies must be licensed to collect debts in the state of Florida. After researching both The XXXX  and XXXX XXXX XXXX, I found that neither company is registered or licensed to operate in Florida. Since they are engaging in unlawful debt collection practices, these accounts should not be legally reported on my credit file. 

I have attached evidence, including screenshots confirming that both The XXXX and XXXX XXXX XXXX are not licensed in Florida, as well as records showing their failure to provide written notification of my right to dispute the debt. 

Given these violations, I am requesting the immediate removal of these accounts from my credit report under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXXi, which requires credit bureaus to correct or delete inaccurate, incomplete, or unverifiable information.
Product: Debt collection

My mother used my information while she was living with me to take out a student loan ( also maxed out credit cards in my name ). I have already reported identity theft and filed a police report. Company will not remove the negative collection from my credit report. The amount is around {$7100.00}.
Product: Payday loan, title loan, or personal loan

I borrowed from the companyXX/XX/XXXX. They were supposed to take out {$520.00}XX/XX/XXXX, but instead have been taking out {$120.00} every 2 weeks. I finally checked today to see if they were done withdrawing funds and they still show that I owe {$520.00}. When I asked for the original contract they sent me one dated for the XX/XX/XXXX. It appears they keep renewing my contract every 2 weeks. This is fraudulent and I was unaware they were doing this.
Product: Credit reporting or other personal consumer reports

I am requesting immediate removal of the following inquiries. I believe I am a victim of identity fraud and I submitted an FTC complaint. I did my research and determined these are fraudulent inquiries and do not belong to me as I never authorized them. I tried contacting the companies already and get no real help. These must be removed as soon as possible or I will take legal action. Thank you. 

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX Balanced {$0.00} XXXX XXXXXXXX XXXX {$36000.00}
Product: Credit reporting or other personal consumer reports

I have tried multiple times to access my Equifax credit report through their website and continually receive and error message and told to contact their customer service department. I did that, and the tech I spent 30 minutes on the phone with could not correct the error or figure out the problem. He said he would escalate the issue to a higher tech agent and I would receive and email when the problem is corrected. It has been weeks with no response. I still can not access and view my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we requested a transfer of funds form our Merrill account. As instructed we filled out the form for a one-time non-retirement distribution. The fund was to be wired to our account in XXXX XXXX. It has not happened. We have called multiple times, assured it would happen, and it has not. We have not got a clear explanation why nor offered any remedy. 

We could provide the document that we faxed to them but the instructions above say not to include the information it would contain. This would help the company identify our account and do something but the instructions say do not include such information.
Product: Mortgage

The XXXX XXXX forbearance plan that I was on ended on XX/XX/XXXX. In order to bring my account current, I requested a loan modification plan. XXXX offered a flex modification plan. The paperwork was missing key information for the modification term comparison in part XXXX of the agreement ( attached ). This included payment breakdown, new loan amount, and an amortization schedule for the new term length. This was important because upon review of the numbers, the new payment amount did not equal what would be expected for the new term length ( XXXX compared to current XXXX ). When I contacted XXXX on XX/XX/ to discuss they advised us that the information requested is not available and could not provide any indication of how the payment amount was calculated or how it would be applied to my outstanding balance ( including principal, interest, and escrow ). Additionally, they did not provide the new loan amount that would be used for the modification. The agent noted that the amounts on the agreement were only estimates. Despite these terms being estimates, they could not provide any insight on how they were calculated. They advised signing the agreement blindly and that the details/payment calculations weren't important because there will be a new review of the loan in XXXX months.