23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an agreement with the company for paying the lowest amount monthly. They agreed on paying the 100 monthly without charging fees and interest. I started paying on what we have agreed. The balance was {$5000.00} when paying when down to {$3900.00}. I received a statement stated that I owed them {$5700.00}. This is incorrect information and balance. They had charge me fees and interest. I've contacted them over and over again. They said that now I have to pay {$470.00} a month even though we agreed on the payment of $ 100 monthly. I have tried to call them and they wont help me anymore. I'm very frustrated because they closed the account and now I am in collection.
Product: Debt collection

I was checking my credit report and noticed 1 derogatory mark from Diversified Consultants Inc. In my report it is claimed the account is mine, which it is not. I have submitted several letters and done disputes asking for validation of the debt baring my signature or contract and have no received such information. Only thing I have received is itemized letters which do not count as validation and actually show different balance then what is being reported on my credit report. This company has refused to send this. I am asking that this account be REMOVED from my credit report file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information you see above is my most current personal information per FCRA and Metro 2 compliance reporting standards. If what you have on file for me doesn't match what's listed, there are problems with either your records or those who provide them for verification purposes. My profile must be accurate and thorough in order to comply with FCRA and Metro 2 compliance regulations. You must furnish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. 
This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Product: Mortgage

Ocwen Loan Servicing, and its Agents, and Legal Representatives are fraudulently misapplying mortgage payments an my Account ( Loan # XXXX ). 
Documentation from Ocwen in XXXX XXXX, XXXX states my Principal balance is about {$140000.00} and I was {$4700.00} in arrears 3 Payments ( Not True ) XXXX XXXX, Ocwen stated I was 4 payments in arrears and the amount was {$5900.00} plus Attorney Fees ( stated by Paralegal ) Again not true I have paid XXXX, XXXX XXXX and XXXX XXXX payment above principal and Interest due, I have being paying Ocwen XXXX above normal payment amount only to stop the Harassment and intimidation to attempts by Ocwen to get a Modification agreement signed by me, and increase term of loan by 40 years XXXX XXXX, met with Ocwens lawyer, and gave him documentation that I was ahead of schedule on a Amortization schedule of original loan. 
Ocwen and their Agents, as well as the Attorney have altered my loan payments, by going in the account and REV ( which according to Ocwen, stands for Reversing the payment ) Now Ocwen is stating my Principal Balance is {$140000.00} I would ask for Forensic Accounting of this Account, however a sixth-grader can see these figures have been altered. I have been making payments, however my Principal is going up?
Product: Debt collection

In XXXX of XXXX  Servicing Solutions contacted me about a business account that was not mine- I immediately informed them of this and filled out an FTC.gov report and sent it to the email they provided ( XXXX ) on XXXX. I continued to get contacted by them every day multiple times per day- each agent had no idea of the situation and could not " locate '' the documents I had sent in each time. In XXXX of XXXX I was told I would be called back by a supervisor and sent email documents that I could fill out with further details of the dispute. These were never sent. The times I was able to answer the call it was either another agent oblivious of the situation or an automated system that would immediately hang up when I answered. I called again to request the documents in XXXX of XXXX still they did not send them but continue to automatically call me 2 times per day during work hours and late in the evening. I have received over XXXX calls from this company since XX/XX/year> and accomplished nothing. I'm uploading proof that they have been harassing me since XX/XX/year> without working on my dispute at all even though I was told I would be taken off the auto call list.This is absolutely absurd, illegal, harassment and in violation of the Fair Credit Reporting Act.
Product: Student loan

XXXX Mohela  owes me more than {$200.00} as a result of a loan repayment, but refuses to send my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX Fl XXXX RE Account : XXXX XXXX XXXX XXXX Dear XXXX I was reviewing my credit report and seen some inaccuracies on my credit report. You are reporting a duplicate account on my credit report that needs to be deleted immediately! As you are aware this is a violation of the Fair Debt Collections Practices Act or the Fait Credit Reporting Act. Please delete this item immediately. I know for a fact this XXXX XXXX account was not properly verified because this is not the original account holder nor have I received any documentation as asked prior showing the steps taken to validate this debt and an original contract with my signature. I want this account removed immediately!
Product: Bank account or service

Discover bank offered a promotion of {$300.00} to ALL customers who set up a new discover checking account, if they had a previous relationship with Discover, and had XXXX direct deposits come in of at least {$250.00} within 60 days of opening up the account. ( they later changed the terms, however stated since I opened my account before the change, I was grandfathered into the promotion ) Their terms stated that the bonus would be " automatically '' applied 30 days after fulfilling their requirements. However, it has now been more than 30 days since I had the XXXX direct deposits go into the account, and no bonus has been applied to my account. Discover Bank has violated the terms of their agreement, and has not paid out the {$300.00} that was guaranteed by the bank. I would like my {$300.00} bonus to be paid out immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

See CFPB Complaint XX/XX/23. 
The attached files all show how I was able to deduce the main gist of this complaint. That credit reporting agencies ( CRAs ), and sometimes Credit furnishers ( CFs ), and some collections agencies grossly abuse their status and position in their perspective industries by manipulating individuals credit reports with either outdated, incorrect, or sometimes manufactured information.
Product: Credit card

I applied for an American Express XXXX card on XXXX XXXX, 2016 with a bonus offer of XXXX points for meeting the spending requirements within 3 months. I met the spending requirements prior to the end of XXXX 2016. I was awarded the bonus points on XXXX XXXX, 2016. I have been trying to transfer the points to an airline transfer partner to book a flight for XXXX. However, my points have been under investigation for a while now, and I am still unable to use them. To make matters worse, this investigation has caused all of the points that I earned from my other American Express cards to be unusable as well. Meanwhile, the flights keep on filling up as I wait. What I want is for them to speed up this investigation process or allow me to use the points that I earned from my other American Express cards.
Product: Debt collection

I have been contacted by the credit card harassing me about payment in which the debt has already been paid through my trust account. Under 15 title US code 1692 ( g ) the creditors are not supposed to contact through email, text or call.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$5700.00}
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an issue I am experiencing with Capital One. My official payday is today, XXXX XXXX, 2025. Typically, I receive my direct deposit early on Thursdays, but this week my deposit did not arrive as expected. 

I received an email from Capital One acknowledging technical difficulties and indicating that deposits should arrive by Friday morning. However, as of now, the deposit has still not been received. 

I am concerned about the lack of safeguards in place to handle situations like this. While the company has acknowledged the issue, I have been unable to reach customer service for a resolution. When others do manage to get through, the representatives are unable to provide any helpful information or updates. ( according to XXXX, XXXX, and XXXX ) This situation is unacceptable, as many individuals depend on their paychecks arriving on time to meet their financial obligations. I believe there should be stronger protections and contingency plans for customers in cases of technical issues that delay access to their funds. 

I respectfully request that this matter be reviewed to ensure accountability and that measures are implemented to prevent similar issues in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this as a federally protected consumer, with no third party involved. I have been working for months trying to get negative information deleted from my consumer report. I pulled my credit report on XX/XX/2022 from XXXX, XXXX, and Experian and I noticed that all three consumer reporting agencies have different information. I contacted all three consumer reporting agencies MULTIPLE times to have this situation handled. I am tired of waiting months on in for them to " investigate '' and claim that the information has been " verified. '' This is unfair to me as a consumer. This complaint is in regards to my XXXX Credit Card with XXXX XXXX. According to my XXXX report that I pulled on XX/XX/2022 directly from their website, it shows a 30 day late payment in XX/XX/2022 and XX/XX/2022. According to my consumer report from XXXX dated XX/XX/2022 pulled directly from XXXX website, XXXX is reporting a 60 day late payment XX/XX/2022 and XX/XX/2022. According to my Experian Consumer report pulled on XX/XX/2022 directly from Experian website, Experian is reporting a 30 day late payment on XX/XX/2022 and XX/XX/2022. There is a huge discrepancy and shows that this information is unverifiable and therefore inaccurate. 

Pursuant to Fair Credit Reporting Act Section 607b, " Accuracy of report. 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. '' This account clearly does not comply with Federal Law. None of the Agencies performed their duties to ensure my consumer report is accurate. Also Fair Credit Reporting Act Section 602 ( 3 ) ( 4 ), " Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are violating my right to privacy and is being unfair by reporting this erroneous, and inaccurate information to my consumer reports. I am also aware that I am entitled to damages pursuant to Fair Credit Reporting Act Section 616 for willful noncompliance. After multiple attempts of calling numerous customer service representatives and listening to tell them tell me they can't delete this from my consumer report, my patience is completely through. This has caused me a serious amount of stress. I have never received proof of these alleged late payments.
Product: Student loan

For years I have tried to get Income Base Rate the payments they tell me I can afford went from {$800.00} a month to {$520.00} a month. I live in XXXX, ohio. although I have a XXXX XXXX I do not have a XXXX XXXX income. I made no more than {$15.00} an hour and was a single parent could never afford that amount. barely made rent. between losing job being homeless and now regaining employment and a place to live. Navient a.k.a Department of Education has never been helpful. I filed a chapter XXXX, XXXX. which included my loan to Navient/Dept. Education. department of education sent me a notice XXXX/XXXX/XXXX telling me they now hold my default loans. and want all the money now {$57000.00}. the banckrupcy trustee is paying my debts to them from the with hooldings from my payroll. they are also fraudulent reporting on my credit report. the original amount was only around {$42000.00} I called and told them they are not allowed to harrass me for payment. navient, department of education and XXXX are all the same company. they bounce my account back and forth like they sending it to a whole entire diffenent company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Mortgage loan obtained XXXX company has repeatedly send me emails about documents to sign. 
The bank send me a thank you for signing the documents I did not sign. I have not signed any documents after XXXX. 
I have repeatedly asked the bank to send me copies of these documents. 
The bank ended up sending me documents from XXXX and will not release anything else I asked documents that have been signed from XXXX and on and will not reply or send me the requested information. The cosigner and I are no longer together I believe she is forging my signature the bank is aware of our separation and will not release me any documents signed with my signature Unauthorized.
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. Accounts : 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 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 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 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 per 15 U.S.C 1681. 15 U.S.C. 1681 section 602 A : States that 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. 15 U.S.C. 1681c ( a ) ( 5 ) 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 that antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) states : 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

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

My credit report shows the following accounts that are inaccurately reporting as charge off and/or late payments. These accounts were filed in bankruptcy and have all been discharged. More importantly, the months showing late payments and/or charges offs were during the time the accounts were included in bankruptcy. The accounts are as follows : 1. XXXX XXXX : 2. XXXX XXXX : 3. XXXX XXXX XXXX : 4. XXXX XXXX : For several months, I have contacted the creditors and all credit bureaus to update my credit reports, or to delete this inaccurate information. Each credit bureau continues to state they have investigated, and the company reports the accounts are accurate. I have requested proof of the investigation and I have not received any documentation from NONE of the bureaus or creditors.
Product: Debt collection

I was behind on paying my XXXX credit card payments. 
XXXX. XXXX  is represented by Rausch Sturm. On XXXX I contacted Rausch Sturm & talked with XXXX XXXX XXXX He agreed to reduce the balance to {$5200.00} ( XXXX payments x {$870.00} ). 
Furthermore, XXXX payments were already made to XXXX : Payment XXXX : XXXX : {$870.00} Payment XXXX : XXXX : {$870.00} XXXX. In addition, based on my credit report, XXXX have written-off the FULL amount/ original amount from their books as bad debt. 
XXXX accepts payments & writes off the full amount on their XXXX XXXX XXXX  as bad debt! 
XXXX credit card is not reporting the payments I made to them, the balance agreed on is incorrect & they do not report to the credit bureau about the payments. 

XXXX. I contacted Rausch Sturm twice in the past by email & left several voice messages, asking them to update the balance amounts, the payments that were made & provide me with the documentation shows the balance amount as it was agreed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that I have fraudulent accounts on my credit report. Please remove these accounts so that I can have a fair chance at obtaining credit.
Product: Debt collection

" Collection Agency '' - Crown Asset Management LLC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Georgia XXXX Telephone # XXXX XXXX. has filed for the second time, an wrongful Lawsuit against myself ( XXXX XXXX ) of XXXX XXXX XXXX XXXX Florida XXXX - Telephone # XXXX XXXX.
Crown Asset Management claims to be Representing the best interest 's of the Creditor - XXXX XXXX ( XXXX ).
But in reality, they are being deceptive & have purchased by contract, for a unspecific amount of Funds, at pennies on the Dollar.
Thus releasing me from any further or future Obligation to my former Creditor ; upon being " Purchased '' /Transaction to Crown Asset Management LLC., which I might add ; without my knowledge or consent.
I never agreed to any terms or conditions with Crown Asset Management LLC. I am under " No '' Legal obligation to any collection agencies, and my written contract was with XXXX XXXX ( XXXX ) only.
Furthermore, This is clearly violation of the " Fair Debt Practices Act '', that no collection agency, can filed a lawsuit against a consumer.
Respectfully Submitted.