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

I am disputing incorrect personal information on my credit report, which includes multiple names and addresses that do not belong to me. I first noticed this issue in XX/XX/year> while reviewing my credit report. Since then, I have taken steps to address it by gathering supporting documentation and contacting your company directly to request corrections. However, the inaccurate names and addresses remain on my report, adversely affecting my credit profile. I expect prompt action to rectify these inaccuracies. Please investigate this matter and ensure that my credit report reflects my correct personal information. 

Please see the drivers license attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 I sent a commmunication to QVC Synchrony bank stating there is a hard pull on my credit report when no application for credit was submitted. No response
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXXeven 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

I recently became aware of multiple inquiries from your company on my credit report that I never authorized, and I am extremely frustrated by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Capital One Card on my credit report that was reported to my credit on XX/XX/XXXX. I spoke with a rep back in XXXX to have my name removed from the card as an Authorized User. They assured me that it will be removed. The last 4 digits on the account is XXXX. This is preventing me from obtaining a home loan. I ask that you please look into this matter.
Product: Debt collection

Company called me saying I owed a debt credit card company. I told them to cease and desist till I receive a depth validation letter. Finally received a letter from there with screenshots of my personal information of the credit card company. Basically a bill. I called them back not knowing that they were missing information at the validation part of the day saying that they own the debt. I didn't receive that information saying that they purchased at that. I found out later after talking with the rep telling me to set up a payment to remove the debt. Where I was coarse into putting my information to set up a payment to lock in saving rates on a debt to settle the debt. But the debt was charged off by the company years ago and I never received the collections. Now I feel like they're fringing on my legal rights by using underhanded tactics and ignorance to bind me an illegal agreement to make me pay this debt and once I cancel and tell them I don't want them pursue it. They're going to choose to take legal action against it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, WF PLXXXX add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

I contacted all three credit bureaus ( XXXX, Experian, and XXXX ) about a Bankruptcy being reported to my report. I asked them for verification which I was informed that XXXX XXXX XXXX XXXX XXXX reported this account. Upon Contacting XXXXXXXX XXXX XXXX XXXX XXXXXXXX I was told in writing that they do not report to any agency or give out personal information to anyone. I then contacted the bureaus along with CFPB about this reply and the response I was given by CFPB is that XXXX report I was a victim of ID theft ... which how can they report something like that without me asking or saying something. As for the Bankruptcy that is being reported by the XXXX XXXX XXXX XXXXXXXX, According to the Fair Credit Reporting Act ( FCRA ), which is codified under 15 U.S.C. 1681 et seq., courts can only report information to credit bureaus if they have a court order or subpoena, meaning they generally can not directly provide information to credit reporting agencies without a legal requirement to do so.
Product: Mortgage

mr Cooper said they sent a in XXXX and XXXX letter rrequesting more documents to approve modification. Frustrated with the process of record keeping I applied through a government agency which had tougher guidelines and deadlines and required documents just like mr Cooper I was approved in XXXX during this mr Cooper also They also waited five more months to nickel and dime the government with more process to get more money then send me a bogus bill to pay XXXX by the XXXX I checked my taxes they barley changed I get why my insurance policy would be about XXXX a month the taxes about XXXX dollars so were is this extra taxes and fees coming from when everything has been paid and you XX/XX/2019 I came to you for help cause I couldn't afford it which was XXXX you KNOW I CANT AFFORD XXXX XXXX dollars more yet you take the money and act like you requesting when you knew I was approved cause I sent you correspondence letting you know how spotty your paper work keep is XX/XX/XXXX and all the while you purposely stalled and got more INTEREST!!! WHY DO I HAVE TO PAY ALMOST XXXX more THAT WASNT MY CONTRACT!!! if I needed to get cheaper I never got a call a email nothing .my insurance was never this high so Ill have to contact them but these other fees are Predatory and to not be given a explination Predatory..
Product: Mortgage

First let me start with my mortgage went from XXXX XXXX, to XXXX ( and they ended up in big trouble with the government ) then they rebranded to XXXX XXXX ( and they ended up in trouble with the government ) now my mortgage is going to select portfolio servicing Inc. ( I have a paper that says my mortgage with not sold to them that XXXX XXXX is still the original lien holder ) I have massive outstanding student loans my pay is already garnished for repayment, I started to do a loan modification with XXXX XXXX, before that could be finished my mortgage went to select portfolio servicing, I had to restart my mortgage modification with SPS, I filled out all of the paperwork correctly I sent them all of the documents that they wanted, and then the XXXX started, they couldnt read bank statement, so I resent them, then they said that I forgot to fill out a question on the original application, but on my copy I have here I filled it out, then They lost my W-2 tax forms, Then there was a little box that I didnt check off on one of the forms, then they couldnt read the bank statements again, then they couldnt read the W-2s I had to resend, this went on for 10 months, And finally I got a letter stating the only thing they could do to help me was add {$300.00} to my current so I wouldnt fall behind, that is the only option they have given me, when their website states they have several options to help people obtain their homeownership. This place is not out to help people they are out to hurt people and for them to lose my federal tax forms has got to be some kind of violation? Select portfolio servicing Inc. is not out to help the consumer they are out to  bury them, And DonT expect to get the truth from anyone at SPS, even the customer service person told me they will LIE and threaten people with foreclosure just to get you to just pay the mortgage, and dont care if you have a hardship, the lady XXXX XXXX I was dealing with lied to me on numerous occasions, and when I called her on those lies she told me I MISS UNDERSTOOD! 
Im very afraid that my complaint will provoke retribution from them?
Product: Credit card or prepaid card

Synchrony Bank decided to close ALL of my credit accounts with them. Mastercard, Amazon, Gap, Paypal Credit. I had never missed a payment and always paid the balance in full each month. My primary cards were the Mastercard and Amazon. 

I was using the Mastercard to pay legal fees ( $ XXXX worth ) because it gave me 2 % cash back on purchases. The card only had a {$12000.00} limit so I would submit a payment from my bank before the grace period was due on the card. Once the payment cleared and my credit was available, I would submit another amount to the attorney office. 

For purchases in XX/XX/XXXX, this was {$22000.00} and my account statement was $ XXXX. After this statement, I made another {$12000.00} in purchases and cleared the balance with a payment of {$11000.00}. At which point Synchrony decided to close all of my accounts. 

On this account I was forfeited the 2 % rewards on the last amount of {$12000.00} x 2 % = XXXX My Amazon account was closed with a rewards balance of {$120.00} My total lost rewards : {$360.00} The reason Synchrony gave me for closing my accounts : Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay However I was paying the balance in full each month. I even gave them a copy of the invoice I was paying as well as a bank summary showing that I had the money to pay the fees.
Product: Credit card

Avant- Credit card notified customers they would not charge late fees or service charges for cash advances for hurricane XXXX in the month of XXXX. XX/XX/year> a second hurricane XXXX hit in the evening creating a second disaster worse than XXXX. I have called and spoken with survivors and agents over an hour today, XXXXXX/XX/year>, the day my payment is due and theyre doing NOTHING to help customers. If I make my payment late, I will receive a late fee. I am in XXXX XXXXXXXX XXXX and I have beed assisted with every other company I do business with. This shouldnt be legal to not assist in the event of a SECOND devastating hurricane that I was in the direct path of.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXXXXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

I Bought a property in Florida in 2017 but not too long after that I paid it off in less than 3 years, I guess the finance company didnt expect me to make that decision so Quick, Cuz they were the Second Mortgage company who took over the first Deal, so after probably 3 or 4 months I get Contacted by a creditor asking me for money & I told them that Mortgage has been paid off a long time ago.., I Didnt hear from nobody for another 3 Months, all of over the sudden a different creditor called me, saying the same things, Now I have asked this one proof of the First Mortgage contract & all the payments History Ive made. Just like that I didnt Hear from anyone, until a year later, So I ask them the same thing, but they never provided me ANYTHING. Now Ive seen them report me to the Credit Bureau & that affected me big time and I wanted it to be remove..
Product: Debt collection

AARGON COLLECTION AGENCY ( XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

In response to CFPB complaint - XXXX XXXX My name is XXXX XXXX, a federally protected consumer, and Iam making this complaint against Portfolio Recovery Associates for violating a cease and desist notice they received XXXX  and for continuing to invade my individual privacy by committing abusive deceptive and unfair debt collection practices. 
I have attached a debt validation letter, a cease and desist notice. XXXX XXXX which is a copy of the reporting on my XXXX report, XXXX XXXX  which is copy of their response to CFPB complaint - XXXX XXXX XXXX and a pdf of an FTC report that will be labeled as XXXX XXXX  when filing for litigation in Federal Court to this complaint Portfolio Recovery Associate stated that on XXXX XXXX XXXX  stated with the purchase the XXXX  XXXX account ending in XXXX from XXXX  XXXX together with right to receive payment of the blance due on the account on or about XX/XX/XXXXXXXX  Business Records provided to PRA by XXXX XXXX at the time of our Purchase verify that the account was open on XX/XX/XXXXXXXX Portfolio Recovery associates said with its purchase acquired all ownership rights, XX/XX/XXXX including the rights to collect on the account. But I never contracted with them and they have no reason to have my identifying information. Also pursuant 15 USC 1692g ( c ). I have not validated any alleged debt with Portfolio Recovery Associates shall not be construed as an admission of liability, PortfolioRecoveryAssociates I have not received any documentary evidence, such a trilateral contract given Portfolio Recovery Associates any right to collect on this alleged debt. Its is my belief that Portfolio Recovery Associates are attempting to furnish false and deceptive forms. Portfolio Recovery Associates are also stated XXXX XXXX together with the right to receive payments of the balance do on the account on or about XX/XX/XXXX with purchase its the was verified. 15 USC 1692g ( c. ) i never validated this alleged debt. If Portfolio Recovery Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my consumer report this has been a fraudulent furnished account with forethought and malice as an attempt to bring harm to and my financial reputation. 
# XXXX
Product: Mortgage

I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. The Trustee noted a property mortgaged by KEY BANK NATIONAL ASSOCIATION as " REJECT & RETURN '' and by Order of the Court ; the property was returned to KEY BANK and subsequently sold. 
XXXX reflects KEY BANK as a " Derogatory '' and as " Negative Account, Closed Account '' however it continues to report the status as " Included in Bankruptcy ''. Much of the " Details '' information is incorrect. It reports the Type of Loan as " Unsecured '' ; it was a real property mortgage secured by a Deed of Trust, the Date of First Delinquency as XXXX ( while I was in bankruptcy ), and I filed a Ch. XXXX bankruptcy not a Ch. XXXX. 
XXXX reflects KEY BANK as " Derogatory '' and as " Potentially Negative Closed ''. It reports " Payment Status Included in Bankruptcy '' and inaccurately reports under " Comments Bankruptcy Chapter XXXX ''. 
XXXX reflects KEY BANK as " Derogatory '' and as a " Negative Closed Account ''. It incorrectly reports the loan type as " Unsecured loan and Opened XXXX/XXXX/XXXX '' and shows negative payment histories for the months XXXX, XXXX and XXXX XXXX. 
I have disputed the incorrect information with XXXX, XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to XXXX KEY BANK addresses, the address listed with the Bankruptcy Court and the address listed by XXXX, XXXX and XXXX, respectively. I am seeking your assistance to resolve these inaccuracies and correct my credit reports.
Product: Debt collection

THE DENTAL OFFICE SENT THE COLLECTION COMPANY MY MEDICAL ISTORY WHICH INCLUDED MY PAST AND CURRENT MEDICAL CONDITIONS AND MEDICATION I AM CURRENTLY TAKING. THIS IS A HIPPA LAW VIOLATION. I NEVER AUTHORIZED XXXX XXXX XXXX TO RELEASE MY PERSONAL AND PRIVATE MEDICAL INFORAMTION.
Product: Student loan

If I am not mistaken there is Student Loan forgiveness every where due to Covid. However Navient has ramped up the calls within the past month. They call at least 7 times daily. All from different numbers. I have blocked the majority of them. But this loan company is absurd. I have filed a complaint on this website previously on them and the calls ceased.
Product: Debt collection

I don't know who you're but I know you're collection agency NCA. I know once you purchase a debt from the original creditor that the debt is PAID OFF. Can you please send me a signed contract with my signature that we have together I would love that and my attorney would also.Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to be reported on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. 
*Violation of the Fair Debt Collection Practices Act *Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I have written you several times and still nothing. I wrote you on XX/XX/2021 now I am filing an compliant.
Product: Credit reporting or other personal consumer reports

This account is incorrectly being reported as charge off account with a balance. Please provide proof of charge off and update the balance to {$0.00} or delete the negative payment status on this account. This account is also being reported monthly as a chargeoff and should not be being reported monthly since account is charged off and closed. The balance update should not be reflecting XX/XX/2024. Also upon the chargeoff a XXXX C form was never sent to me showing the amount canceled and date of cancellation. 

WORLD FINANCE XXXX Account number : XXXX Account number : XXXX
Product: Debt collection

Had my check engine light on and took it to XXXX Nissan. I have a warranty to cover any damage to my vehicle. XXXX Nissan took it upon themselves to not only triple my costs but upon paying over $ XXXX my engine STILL wasn't fixed and I have to bring it back there due to my warranty situation. I've been overcharged due to my XXXX XXXX  and these folks are trying to take advantage of me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XXXX XXXX XXXX. 
I logged onto the Transunion website to place a credit freeze on my accounts ( due to the XXXX  hack ). After answering all questions, the website instructed me to call them. I called them ( was on hold for 90 minutes ), going through their automated phone credit freeze, again answering all questions, only to be informed at the end that I needed to speak with one of their representatives, who ultimately told me that they would NOT FREEZE MY CREDIT, unless I did the following : Make a copy of my social security card, my driver 's license, and a bank statement showing my address. Write them a letter telling them WHY I 'm asking for a credit freeze, list my name and address and last 4 digits of my SS number, and MAIL it to them at : XXXX XXXX XXXX, XXXX, PA XXXX. Then, THEY will decide if THEY will place the credit freeze. The hard copies of my SS card, driver 's license, and bank statement becomes their property to be kept " on file ''. I also need to include a check for {$5.00} made out to Transunion XXXX 
I had no problems placing a credit freeze with XXXX or XXXX online, but Transunion is making it practically impossible, and incredibly risky for me to place a credit freeze with them! Can anyone HELP us poor consumers!!!
Product: Credit card

I sent a letter via US mail on or about XX/XX/XXXX  to the following mailing address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/XXXX  in the amount of {$300.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Debt collection

I committed to a 16 week weight loss challenge on XX/XX/XXXX. The contracted stated that after you complete the 16week challenge, send a certified letter to National Acceptance Company XXXX XXXX XXXX XXXX, PA XXXX. I faithfully paid the monthly amount of {$50.00} for 16 consecutive weeks. After I completed the program and sent them the letter, they denied my request to cancel and stated I needed to complete the 1 year agreement. This was clearly a mis representation and a bait and switch scheme. I have stopped the payments from my credit card and contacted them to stop harassing me regarding delinquent payments. They keep calling me and threatening to report me to the credit bureau and ruin my credit.