23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My mother has credit card debt and is in the process of filing bankruptcy. 

Northstar Location Services has called me repeatedly using the number XXXX. I have repeatedly told them to cease contact and they continue to call me. A record of their calls to my number XX/XX/XXXX - 1 call XX/XX/XXXX - 1 call XX/XX/XXXX - 1 call There is at least one other instance, however I have cleared my phone prior. 

These are the calls I am personally receiving. My mother receives multiple calls on a daily basis and is afraid of the company calling her work number. A coworker of hers has received calls from the same company at their work number. 

The company has progressed to not only calling myself, but also my brother ( who did not know nor needed to know our mother is filing bankruptcy ) and has also called his father. For the record, his father is our mother 's ex husband and they have not had contact in nearly a decade. Thus, he is not family. 

These calls have become harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is an add on to my last complaint since it only allows me to list 3 companies. 

XXXX XXXX XXXX XXXX SANTANDER CONSUMER There are hard inquiries on my credit report that were made without my authorization. I was not able to reach a representative with Santander Consumer to dispute it. I was able to reach a representative with XXXX XXXX, however they were not helpful. I told them that I wanted to dispute a hard inquiry that was made without my authorization. The representative asked for my account number. I told her that I do not have an account with them. I asked to speak to a supervisor and she told me no and that if I do not have an account with them, they can not do anything with my credit report. I proceeded to ask her why they ran my credit then if I do not have an account with them. She did not answer my question and told me that I needed to contact the credit bureaus. I told her that I already did and that they told me to contact the lenders. She stated again that if I do not have an account with them, that she was unable to assist me. I reiterated to her that I do not have an account with them, which is why I'm disputing an inquiry that was made on my credit report. She hung up the phone on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrectinformationon my credit file from XXXX XXXX XXXX. this company is reporting an account that I 'm not aware of from XXXX which is claimed to have been openedby my ex wife. It is being reportedon my file as a duplicate account. I disputed with the creditor as well as the credit bureaus but has failed be removed. Because I have n't heard fromXXXX XXXX XXXX and it 's been over XXXX days I disputed with CFPB whom response was that XXXX XXXX XXXX did NOT respond to them as well. Now I have decided to add in the credit bureau to get my file corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX XXXX never gave XXXX written consent to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of this account. Immediately. I, XXXX XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed.
Product: Student loan

XX/XX/XXXX I switched to a income based repayment plan. Prior to this, I was enrolled in auto-pay and received a 0.25 % decrease on my interest rate. After switching to income based repayment I was locked out of my online account. I have been calling Navient since the beginning of the year for this to be resolved and they have it being looked at by IT but still no results. In the meantime, I have been unable to access my online account for payment information and notifications. I also have not been able to enroll in auto-pay which has made me pay the extra 0.25 % interest since I switched my repayment option. Navient is not resolving my online access ability and sending me emails but I have no way to access the information they send me via email because it requires you to login online at Navient.com.
Product: Debt collection

My mother, ex wife and I have received repeated calls trying to collect a debt from my sister. We have all insisted they stop and they claim that it 's my sister 's fault they are calling and that we can be held liable.
Product: Credit reporting or other personal consumer reports

My credit reporting is not reporting the most recent balance for XXXX XXXX credit card
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates, XXXX XXXX and XXXX XXXX. I'm now requesting you to investigate and provide verifiable proof with records showing that I made late payments. If this information can not be verified, I demand these payments to be updated to be paid on time immediately. Thank you for your understanding and prompt action!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried several times getting this issue removed with experian, experian has failed to investigate or remove these acoounts, these accounts has been fraudulent i have been a victim of identity theft i have submitted a ftc report and proof of my identity i connected them several times and nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX ( XX/XX/XXXX ). XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. 




I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Payday loan, title loan, or personal loan

My husband and I received a loan for XXXX on XX/XX/XXXX We have made 6 payments every two weeks for XXXX totaling XXXX. I called on XX/XX/XXXX to payoff loan and they asked for another XXXX to pay the loan off. I do not believe that they have applied any of my payments to the principal. They kept telling me that I still needed to pay for interest that was to paid throughout the original term of the loan. I advised them that I am paying them early so that does not apply to me.
Product: Debt collection

an account was opened in my name that is not mine and was done as a result of identity theft with XXXX XXXX. I have been contacting them and submitting documents related to that but they refuse to acknowledge any of it .... the account is with XXXX XXXX XXXX this account is not mine and yet they continue to report it to the credit bureaus like it is
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting deletion of the XXXX XXXX XXXX  from my credit report due to the inaccurate reporting information they have been providing, this company has COMMITTED FRAUD and reported I have had a collection since XXXX of XXXX but the account was reported open in XXXX of XXXX??? 
XXXX XXXX  WAS OPENED IN XXXX OF XXXX, SO EXPLAIN TO ME WHERE XXXX OF XXXX IS COMING FROM ON MY CREDIT REPORTS ( THIS IS FROM XXXX, I DISPUTE IT AND IT COMES BACK VERIFIED?? WHERE IS THE CONTRACT WHERE I SIGNED THIS IS XXXX OF XXXX??? ) THIS IS A DIRECT VIOLATION of 12 CFR PART 1006 REGULATION F WHICH STATES 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. 


all three bureau have failed in validating this information which is a violation. Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX cell phone was returned XX/XX/14 as mutually agreed and cell service canceled accordingly ( signed for by employee XXXX ). Two years later this account mysteriously and erroneously entered into collections. XXXX was experiencing backhaul / vendor problems affecting cell towers in home area. I was an XXXX XXXX and needed reliable service. XXXX agreed to waive early termination fee and liability so I could switch carriers ( See XXXX, Executive Analyst, attached email ). I only recently obtained my credit report and noticed XXXX placed this into collections. XXXX apprenlty never notified there billing dept nor update the system? I have spoken to XXXX and she remains very deceptive and lies continuously. They seem to be playing some kind of game. I believe there committing a FCRA violation, just need someone to advise me on how to best proceed. Greatly appreciate your time understanding and assistance.
Product: Student loan

On XX/XX/XXXX I consolidated my loans to navient. I just paid over the phone and paid the amount due. In XX/XX/XXXX I started to pay more than the minimum payment and always selected to have any overpayment paid directly to the principal and not advance my due date. After a few payments the option stopped appearing. Months later I noticed on my bill that they were automatically advancing my due dates. In XX/XX/XXXX I changed it online for all overpayments to be applied to my principal. I then noticed that on my XX/XX/XXXX bill I was charged more interest than I owed from previous payment. I called and they reviewed it and said they would fix it and determined it was because even tho I was making full payments my interest was not being satisfied first. The women I spoke with said she could not explain it and the accounting department would have to clarify. I asked for this to be clarified and why this was happening and for them to review my account. Even after calling again nothing ever came of it and the only response I got was that my interest wasnt satisfied and it needed to be satisfied before I could pay on the principal even tho for years I had been paying every single month and more than the amount of interest that would have built up from the previous month. Every time I call they say it will take weeks for a response so I have given it plenty of time. But they are still advancing my due date and not applying my payment to my interest first and directing everything else to my principal. I can find exact dates of phone calls but it would take some time to check back on my phone bill so if its not necessary I Don't want to waste my time. I am extremely frustrated and just want my money to be allocated correctly and for my past payments to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the incorrect reporting of my credit balance by Capital One Bank. Within just 5 days, my credit was reported to have a balance of {$60.00} and {$310.00}, when in fact my actual reported balance was {$0.00}. I have no idea why my credit was reported in this way, as I have not made any recent purchases or payments. This error is causing me great frustration and concern, as it could negatively impact my credit score and financial standing. I kindly request that Capital One Bank investigate this matter and correct the error as soon as possible. Thank you for your prompt attention to this issue.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am responding to your recent communication regarding an alleged debt you claim I owe. This is not an acknowledgment or acceptance of liability for this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you validate this debt by providing detailed information and documentation regarding its origin and your right to collect it.

Specifically, I request the following : 1. The name and address of the original creditor.

2. A copy of the original agreement or contract that created this alleged debt.

3. Documentation showing that you are legally authorized to collect this debt, including a copy of the assignment or purchase agreement between your agency, the original creditor, or any intermediary parties. 
4. A detailed account of the amount claimed, including principal, interest, fees, and other charges.

5. Proof that the debt is within the applicable statute of limitations for collection.

Until I receive this documentation, I request that all collection efforts, including reporting this alleged debt to credit reporting agencies, cease immediately as the law requires.

Please note that I am keeping records of all communications related to this matter. Failure to provide the requested documentation will result in a debt dispute and may be reported to the appropriate authorities for further action. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a 472K payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX
Product: Credit reporting or other personal consumer reports

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) 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. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these accounts is being reported inaccurately.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.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 Balance Owed : {$230.00} XXXX  XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Credit card

At the end of XXXX I received a debt consolidation loan which issued checks made out to some of my creditors. All the checks were mailed on XX/XX/2024, the issuer of the checks stated to me that the checks were cashed and cleared out of their account on XX/XX/2024. However, as of today, XX/XX/XXXX, the payment has still not been credited to my account. Multiple checks were mailed to various creditors but the only XXXX that have been credited both went to citi bank, XXXX for a citi bank credit card and XXXX for a home depot account managed by citi bank. The one for citi bank was {$1200.00} and the one for home depot account was for {$1000.00}. The citi bank card had a payment due on XX/XX/XXXX so now that is late. It doesn't seem like it should be legal for a credit company to deposit money into their account, but not credit that money to a consumer 's account. Both checks were mailed with the payment stub included with my monthly statement. And it seems strange that all other credit card companies who were mailed checks, credit my account after receiving and depositing check, while one company in particular cashed the checks but did not issue credit for them.
Product: Credit card or prepaid card

On XX/XX/18 I received a XXXX credit card in which I didnt apply for. Called bank and stated this was not my account and the said it had been used for a purchase of XXXX dollars. They are reporting the account as fraud and closing account.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX Date Opened : XX/XX/2019 XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, My occupation is XXXX XXXX XXXX XXXX XXXX XXXX XXXX such as XXXX and my own website, using paypal as my payment processor. 

I reside both in the United States and XXXX, travel back and forth as part of my business. 

Paypal seized my money after holding it for 180 days without notice and without a court order. Just a few days after passing 180 days, XX/XX/2021 they transferred all my balance XXXX to themselves under the note " Paypal damages caused by acceptable use policy ''. My account was around 4 years old. 

My money was seized XX/XX/2021. I contacted paypal customer service several times the same week and I was told that my money was being held for 180 days and that after this time they would return the money to my account. I tried writing to my local congressman and other government agencies with no success but in the end I decided to wait 180 days. 

Just before a few days before passing 180 days my balance was transferred to themselves like I said before and here I am taking legal action against the unfair practices of paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Capital One app sent me a notification for SSN Alert informing me in providing me an address located in the state of California XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX that I am not associated with. I also dont live in that state and never submitted anything ever associated with that address.
Product: Credit card or prepaid card

I received XXXX separate emails from Synchrony bank on XX/XX/2019 indicating that my XXXX XXXX XXXX account was now open and ready for use. I did not apply for this credit card/account. I called several Synchrony bank contact numbers and none of them were in service. I have been unable to reach the bank to investigate the fraudulent card. I have notified my credit protection service.
Product: Prepaid card

we are having problems with rushcard in the last two days i think they took all of our money from us even me. There was a system update on all accounts that everyone has they told us yesterday on XXXX XXXX that we would have it up and running as soon as possible by XXXX time and it wasnt my account has a XXXX blanace wish is wrong and there was XXXX dollars left andf now there is not they have not answer us on XXXX or there phone calls i think they took everyone money they have and ran off with it this is a scam and i want my money back plus the days im losing from work with no money to help out my family at all
Product: Credit reporting or other personal consumer reports

While reviewing my consumer report, I have discovered that there are inaccurate information and discrepancies. These are the following incorrect information reporting : Reporting in XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Reporting in XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXXXXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXXXXXX XXXX Reporting in TransUnion : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX B XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXXXXXX