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

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of payment history on my credit report with the account number XXXX. The violations under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681s-2 and 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), have caused significant emotional and physical distress. Despite the definition of " consumer report '' excluding reports containing information solely as to transactions or experiences between the consumer and the persons making the report, the inaccurate reporting of transactions on my account constitutes a direct violation of the FCRA. I request an immediate reversal of the account status to " Paid as Agreed '' or " OK '' status and compensation of {$1000.00} per FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor:XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

1. Theyve violated ( 15 USC 1692 et seq ) : theyve called hundreds of times and caused me a great deal of distress, severely affecting my emotional continuum 2. They have threatened a lawsuit and started a suit against me despite this i was never served anything about this, which is completely unreasonable. 

3. I made no agreements with these people and theres no paperwork between me or the other party, i believe they might be making fraudulent collections and I will be reporting them to the FTC and starting a counter-suit. 

4. I believe they may have contacted my family without a court order.
Product: Bank account or service

I have a debit card from XXXX expiring in XXXX 2016. XXXX transfers funds to the account in exchange for XXXX. My account has been closed even though a positive balance remains, so I can not access the funds. In the meantime, I am being penalized $ XXXX for inactivity. I have called the customer service number on the back of the card ( XXXX-apparently a foreign call center, possibly XXXX ) in XX/XX/XXXX and XX/XX/XXXX, each time being told to call back in " 3-5 business days '' when there has been a resolution. I have also called the Cardholder Services number on my last saved statement ( XXXX ) which is a number no longer in use. ( see attached document ). 

I have also emailed a customer service agent ( XXXXXXXXXXXX ) and been told to call the customer service number again. I inquired with the agent about receiving a check to close the account to which the reply was " This card program does not offer check refunds. You will need to use the remaining balance off the card. The XXXX XXXX XXXX can be used anywhere that XXXX is accepted worldwide. '' But the problem is that I can not access the funds because the account has been closed ( I can not access funds from an ATM ). 

Yesterday, I tried to log in to my account online and my access has been cut off. Today I tried to login again and the website now says " Temporarily Unavailable. We are temporarily unable to process your request. Please try again later, or call Customer Service if you require immediate assistance. " Since there is a XXXX XXXX logo on the card, I called XXXX member services and they claim that they are not affiliated with the card and can not help. They suggested I call XXXX XXXX XXXX, which I did, but they are not effectively able to reach anyone who can help either. 

I researched the email address from the agent ( XXXXXXXXXXXX ) and located a XXXX Corporate Headquarters*, XXXX XXXX XXXX XXXX XXXX , Florida XXXX, Phone : XXXX, Fax : XXXX ( XXXX ). Conveniently, the XXXX website " Contact Us '' link is not functioning ( XXXX ). I called that number today and through an automated cue asked for XXXX XXXX XXXX, who I found online as the XXXX legal counsel. A secretary answered and after a brief polite explanation of my issue was forwarded to XXXX XXXX. There was no answer so I left a message. 

I am extremely distraught at my treatment and inability to access the funds in my account as well as being continually penalized for not taking the funds out. I have now wasted 5-8 hours of time trying to chase down someone who can help me. I assume that there are others out there having similar difficulties but who do n't have the resources, time, or persistence to search for a resolution. If the company brushes all of us off long enough, they will eventually assess fees to make the accounts go to XXXX. Would this constitute a class action lawsuit situation?
Product: Debt collection

I was involved in a car accident in California. My rental car is rear-ended and my case is recorded. My rental car company insisted they can't find information about another driver who rear-ended me and ask me to pay for the damage fee. I am not willing to pay the fee and now they find the debt collector to collect the money from me. I tried to contact the police officer and government to get the police report, but get no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to file a dispute with Equifax numerous times and they refuse to dispute the fraudulent inquiry on my credit report. They stayed they will not process my dispute for the hard inquiry for XXXX XXXX Credit Report on XXXX XXXX. 
They also refuse to remove XXXX XXXX from my credit report. I gave them my police report and FTC report and they still refuse to remove it. 
I also disputed all late charges for XXXX XXXX Mortgage and they refuse to remove it.
Product: Student loan

XXXX UniversityXXXX XXXX, OHLender is Navient ( formerly XXXX XXXX ) I have been fighting for 9 years about a loan because I was not aware of any students loans being private loans. When I was in school, I only used FAFSA and I used loans from XXXX XXXX and XXXX. I was not notified that these were private loans. In fact, all of my loans had to be cosigned because I had no credit. I spoke with them many many times about this loan and explained that I did not request private loans ever. In 2011, my parents filed for bankruptcy and all of the loans that were cosigned by them, were dismissed in their bankruptcy. I no longer have XXXX loans on my credit because of this. Unknowingly, XXXX more loans appeared on my credit and my mom 's credit recently. When we talked to them about it, Navient told us that they were cosigned by my stepdad, who is deceased, and that they have always been loans with them. To my knowledge, these XXXX loans were not my loans nor were they loans my stepdad cosigned for because they would have been put into his bankruptcy and discharged along with the XXXX loans. These loans are now hurting my credit because I ca n't pay them back. I am a XXXX Veteran and am on a fixed budget. My federal loans have been discharged due to my XXXX and I can not get Navient to forgive these loans. They have continued to rack up interest and shows past due because they will not fix it. According to my report, Navient has reported that the loans have been written off or charged off as bad debt but yet the interest continues to rise and past due amount continues to rise.
Product: Credit card

XXXX XXXX, 2015 I have had misunderstandings with Lowe 's /Synchrony Bank for the last 8 months. I have paid my account out in full but they have added interest to the account. XXXX gave me 6 months to payoff the account but the bank did not honor this. They begun to add interest from the beginning. I have paid my account in full but they have added the interest which almost doubles what I have paid them. I opened the acct. in XX/XX/XXXX, paid this one out and charged a microwave in XX/XX/XXXX and paid it out in XXXX 2015. Please help me with this account and retain my good credit. I am too old for problems now. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that ELAN FINANCIAL SERVICES have placed an inquiry on my XXXX   credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both ELAN FINANCIAL SERVICES and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Checking or savings account

On XX/XX/2023, i signed up online for a fifth third checking account with the promotional coupon code for {$350.00}. On that day i was able to access my account via app all night with no issues so i initiated a {$500.00} transfer from one of my current bank accounts to the new fifth third bank account which was processed on XX/XX/2023. I called customer service on XX/XX/2023 and they told me i would have to send in documents to access my account by going to a branch near me when there is NO branch near me and i repeatedly told the agent that. In order for me to access my account after me sending {$500.00} to the new fifth checking i suddenly cant access my account and they trying to keep my money without returning it. I am willing to take any legal action i can because they are NOT about to keep the {$500.00} i transferred to the account. I wish i never signed up PERIOD.
Product: Mortgage

CHASE LIED TO ME SAID THEY WOULD LET ME KEEP HOME BUT FORCED ME TO SELL
Product: Credit reporting

Failure to provide physical proof of verification I share the exact same name as my aunt. That account number for XXXX # XXXX does not belong to me and I asked several times that it be removed from my credit report. Experian has failed to comply with the law. I have send several letters and under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified.
Product: Debt collection

NEVER CONTRACTED THIS DEBT. NEVER RECEIVED SERVICES FROM XXXX. WAS OUT OF THE STATE OF GA WORKING ON AN ASSIGNMENT DURING SAID TIME. NEVER RECEIVED ANY VALIDATION FROM THE COLLECTOR DESPITE THEIR CLAIM THAT VALIDATION WAS SENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed multiple disputes letter to XXXX, XXXX, XXXX, informing them that there is inaccurate information reporting on my credit report. All 3 bureaus refuse to remove the items I disputed. and send the dispute results back to me. It has been 6 months. I started sending letters XX/XX/2021 until now XX/XX/2021.
Product: Debt collection

Re : AARGON COLLECTION AGENCY Account # : XXXX Dear I received a validation response to my request for verification on the debt sent to me on XX/XX/XXXX. However, you just sent me a bunch of statements with no other designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me in your response on >>>>>>>>>> PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount.

Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.

Thank you for your immediate cooperation. 
_____________________________ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ; XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Unsubscribe Sat, XX/XX/2020, XXXX XXXX XXXX XXXX  notified me of a change in my credit report. I called the phone number several times no answer did leave a message and followed up with a letter in response to the company not notifying me directly before putting this on my credit report. A copy of the letter is attached and it was removed from my credit report for them to now put back on the Equifax and XXXX credit reporting. 

I am disputing this collection because you posted this on my credit report on XX/XX/XXXX which means it was posted then you started the process way before without contacting me directly. There would be no reason you could have not reached me directly. 

My address and numbers are listed, and I would think the company gave you, my information. Which has not changed in 3.5 years. You need to remove this notice from my credit report and address that first. I have already filed a complaint with XXXX and Equifax. 

After this covid, it and they now went ahead and put it back on the reports again. without contacting me. So again debt was addressed and removed and then put back on again with again a later date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all inaccurate information on my credit report with transunion to help update my file.
Product: Debt collection

Frontline Asset Strategies placed a collection account on my credit report for a phone bill from XXXX for {$50.00}. 

I contacted XXXX about this account and they confirmed that this was not a debt I owe. I emailed Frontine Asset Strategies this evidence and requested that the inquiry be removed from all of my credit reports. The representative said it was. 

I applied for new credit and was denied for it due to this inaccuracy showing on my XXXX report.
Product: Debt collection

I CHECKED MY REPORT AND THIS LOAN CREDIT IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Product: Mortgage

Step 2 : What type of problem are you having? 

XXXX bank notification this morning upon waking up for a transaction. When we check the XXXX account Mr. Cooper took at two different times of the mortgage amount from our bank that made us negative balance. Of Note, we already paid mortgage bill for this month of XXXX XXXX. 



Step 3 : What happened? 

Me Cooper took an authorized mortgage payment from our XXXX bank account in two different instances of the said amount totaling {$4000.00}. 

Immediately husband called XXXX bank to notify them of the fraudulent charges, and me on the other hand called Mr. Copper ) XXXX, Texas ) and only to find out after 5mins waiting the call will just drop for no reason and says the operator you are trying to reach is unavailable right now. I did these two more times. It still the same thong, it drops the call after 5min of waiting. 

Check XXXX if Mr. Cooper is on XXXX, this found out on thwir post literally was just posted 26 min ago. saying the they were apologizing of those people who got impacted of the issue. The XXXX wont is a whole lot of money for a family of 5. 

On XXXX thread some of the customers were charge seven more times of their mortgage. This is unacceptable, we have a life to take care as well and this happened. 

Step 4 : What company is this complaint about?

Mr. Cooper mortgage company Step 5 : Who are you submitting this complaint for? 

I am the complainant.
Product: Credit card or prepaid card

my credit limit for capital one card is XXXX now is almost XXXX, i haven't be available to pay cause the pandemia .they have been charging me late fees and reporting missing payments to my credit report.
Product: Credit card or prepaid card

Over the summer I was 90 days behind with Barclay Card.  I paid the full minimum due to bring the account current. A month later I decided to enroll in a third party non-profit debt counseling program. I was rejected. It took my a dozen phone calls to find out why I was rejected. I was then told there were no financial assistance options available to me. SEVERAL agents told me I had to go delinquent again in order to have any offers. 

This is an unfair business practice to disadvantage the average consumer. How dare you tell a client to not pay you for a while and then I'll give you an offer. 

I am now 90 days late and have been offered a 75 % off. I told them I would only take that offer if they would put in writing they would remove the late payments as I was told to go delinquent. They will not work with me. I left a voicemail for the Barclay 's Card office of the President at XXXX because no one answered the phone when I called. 

I spoke to the general customer service line and I was told the offers are computer generated. The system analytics take in to account when the account was opened, how long it was open, the balance, usage, etc. Isn't that interesting? Other companies will take offers and will remove late payments on the credit reports. As a reminder of the Fair Credit Reporting Act ( FCRA ) the creditors create and control the data and push it to the credit bureaus -- -the CRAs just hold the data and do as you say, when permissible, under the FCRA as applicable. 

Note I do have telephone audio recordings available, though I have not removed PII from the recordings. However, data is cheap I'm sure you have all my calls??
Product: Credit card or prepaid card

ATTN : XXXX XXXX, XXXX AMERICAN EXPRESS I have attached all forms of identification, this is and will be utilized to authenticate my identity in any sub sequential correspondences. 

I, agent for principal XXXX XXXX and affiant, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, and autograph as the agent and administrator in fact.

Notice it is a fact, affiant is aware, according to 15 U.S. Code 1666d, if the creditor has a total balance due on the account, rebates of unearned finance charges or insurance premiums, amounts otherwise owed to or held for the benefit of an obligor, the creditor AMERICAN EXPRESS must return any and all amounts of the credit balance upon the request of I, the consumer. I demand to receive all credit refunded to me in the form of zero balance at the end of each billing cycle.

Notice it is a fact, affiant is aware of the false character of the amount of any debt is a violation of 15 U.S.Code 1692e ( 2 ) ( A ). How can AMERICAN EXPRESS allege I the affiant owes a debt but the debt is shown in the positive balance. If the balance was owed in a bank account it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it was owed to me.

Notice it is a fact, affiant is aware, according to 1602j, the plastic card device issued from the creditor AMERICAN EXPRESS gives way to I, the affiants open-ended consumer credit plan which contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time.

Notice it is a fact, affiant is aware, a creditor may not report or treat any payment under a open ended consumer credit plan meaning my plastic credit card issued by AMERICAN EXPRESS pursuant to 15 USC 1666b unless creditor has followed section 1637 ( b ) and dealt with all billing errors.

Notice it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor.

Notice, it is a fact, affiant is a consumer and a natural person in accordance with 15 U.S.Code 1692a ( 3 ).