23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX company will not have their company deleted from all 3 of my credit reports. These debts have been settled and closed. I was told after I settled they would be taking off my credit reports and they have not done so. I've tried calling and disputing to the company it self and the credit bureau 's. Nothing has be done. These accounts are negative on my reports and its hurting my scores. They were placed on my reports on XX/XX/XXXX and XX/XX/XXXX for XXXX   and XXXX phone company 's. I have tried everything I can to get these deleted any help would be appreciated.
Product: Debt collection

Thia company has no real info plus they say this debt was from XX/XX/2010 and when life lock contacted them they couldnt even provode info on what address these services were at i was the victim of id theft many years ago and thia is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I had T-Mobile service for XXXX month prior to canceling my account. I paid my bill in full. Somehow, XXXX opened a second account in my name, when I realized they were double charging me I asked them to fix it and they said they closed the second account. Now, they are claiming I owe money on that account. I initially called and they said that my bill was paid and when I asked them to check the account number on the bill I was told that the account was canceled and they were unable to see it. I them sent them a letter certified mail ( XX/XX/2019 ) asking for a detailed bill showing where I owed XXXX, which they failed to provide. I received a letter from a collection agency on XX/XX/2019 for {$91.00}. I then contacted the FTC ( XXXX ) to report the issue. I disputed the validity of the collection under XXXX XXXX XXXX with both XXXX and Equifax. XXXX allowed me to upload documentation showing the debt was invalid and already disputed, but Equifax did not. Equifax said that the debt was valid which is not true and and I should not be held responsible for a mistake on the part of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX # XXXX****, XXXX XXXX # XXXX**** this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment XXXX XXXX XXXX XXXX  # XXXX**** this is not accurate please delete. I have never been late on my XXXX XXXX XXXX XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see XXXX XXXX  XXXX XXXX  # XXXX****is in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Product: Credit card or prepaid card

On XX/XX/18, an item for {$1000.00} was ordered with my Chase credit card. The company was located in the XXXX, called XXXX XXXX, a seller of fine watches. On XX/XX/18, unaware of the charge on XX/XX/18, my husband signed for a package, not unusual as we have packages arrive many times a week. 



When I arrived home, knowing that I had not ordered anything, I called the number on the return address ( XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX, NJ XXXX, ( XXXX ) XXXX ). 

The company being a computer company, confirmed that they had not sent anything to my address, with the tracking number. They suspect that their XXXX account was compromised. I called XXXX and they couldnt tell where the item was really shipped from and couldnt help me. 

I checked my bank statement and saw the charge on my Chase card. I immediately called them and they started a fraud investigation and reissued me a new card. They re-billed a few weeks later stating that because I benefited from the charge ( having the watch in my possession ) that they could not help me. 

This is a clear violation of Reg Z, as I did not give authority to use my credit card to anyone and I am certainly not benefiting from a watch that is in a box. I will be more than happy to send it Chase for their own benefit. 

If this issue can not be directly resolved with Chase, then I will have no choice but to reach out the Attorney General and the news outlets as I am experiencing unjustified consumer Injury. As Chase is looking to expand their banking presence in the XXXX XXXX area, I find it even more important to let people now that Chase can not be trusted to protect customers identity or banking credentials. This type of unethical conduct should be shared.
Product: Credit reporting or other personal consumer reports

ED Financial Services reports a balance on two studient loans on my XXXX credit report. I made the dispute in XXXX of XXXX. 
Balance {$14000.00}, and {$11000.00}. These loans were acquired by servicer XXXX XX/XX/XXXX. I attempted to resolve this dispute with XXXX. They did not resolve it, and I called ED Financial, and they would not remove this balance. 
The loans, since being transferred to XXXX, are shown Paid in Full by Dept Of Ed under the PSLF program. 
They seem to think this is the responsibility of XXXX, but XXXX insists that they are ED Financial 's responsibility The amount previously owed to both was duplicated, which then showed my total student loans as over XXXX USD. 
I am attaching the letter that shows the loan was transferred to XXXX and that US Dept of ED shows I have a XXXX balance.
Product: Payday loan, title loan, or personal loan

I received an email at an old email address I rarely use ( XXXX ) thanking me for applying for a loan. Then another saying my loan agreement was ready to sign. 

I replied back to the emails that I did not apply for any loan and asked for the application information, IP address, and device used to apply. 

Today I received an Adverse Action email from them stating they could not approve my loan. 

I never received any response from them. 

I have never applied for a loan with them and would never use an online loan of this type.
Product: Credit reporting or other personal consumer reports

under 15 USC 1681 Under the fcra, you are required to...

Conduct a proper investigation into my dispute. Inform me of the results of your investigation in a clear comprehensive manner.

I request the immediate removal or correction of the is information from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX is reporting obsolete and inaccurate information on my credit report across all 3 bureaus such as High balance- it the same on all 3 bureaus Last verified not the same on all 3 bureaus Date reported not the same on all 3 bureaus Date of last activity- not the same on all. 3 bureaus Date opened- not the same on all 3 bureaus Date closed not the same on all 3 bureaus Last payment date not the same on all 3 bureaus Credit limit- not the same in all 3 bureaus Late payments- reflecting on all 3 bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account XXXX, has violated my rights. 

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 with out my written instructions.
Product: Checking or savings account

Nav Froze my account on or around the XXXX of XXXX with no warning or notification and left my funds unavailable to me when I needed them immediately. I had unauthorized transactions on this account in the amount of over {$1400.00} dollars and had to file a dispute with XXXX. I have since won the dispute with Visa but I feel NAV has frozen my account and placed it under a security review even when I have informed them I canceled all my debit cards after the unauthorized transactions and got new ones there is no more unauthorized transactions being charged and the account is secure I as the account hold know for a fact everything is above board even if NAV does not. I feel this just retaliation for my dispute that for some reason NAV has a problem with.
Product: Credit reporting or other personal consumer reports

I found mistakes on my credit report, so I sent letters to TransUnion, XXXX, and XXXX explaining the errors and listing the accounts involved. It's been more than 30 days, and they haven't replied. I'm attaching copies of the letters. According to the Fair Credit Reporting Act, my credit report must be completely accurate, but these accounts aren't meeting that standard, violating sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 


Also this collection agency contacted me via mail harassing stating that I am ignoring them. I do NOT HAVE A WRITTEN CONTRACT WITH THEM SIGNED BY ME. they have not produced one at all nor gave details of this alleged debt as in why they have the debt in the first place. They didnt notify me of them purchasing an alleged debt or any other required information so they are in violation and at risk of being sued for {$1000.00} per violation Accounts XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX County Court Pleas continues to furnish information on credit profile. Late payments are causing scores to deplete. With the false payment history, this is against FCRA Guidelines.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$3000.00}
Product: Credit reporting or other personal consumer reports

On XXXX XX/XX/2024 XXXX of the Atty Gen reported on my credit I was past due and due to that my credit has degrees XXXX points. I contacted the office and explain I join the XXXX as XXXX XXXX so during my training I did not have access to my phone to make the payments but soon as I did I cleared the account and in the bottom I attached prove of account been cleared and prove of my XXXX XXXX status with start date. However In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to private ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXXXXXX XXXX XXXX reported a late payment on my account. This occurred while I was enrolled in automatic payment. The issue is, at that time, their automatic payment system charged a set amount every month and did not change to cover the minimum payment due. Sometimes I automatically paid more than what I owed ; and some other times, as in this case, it paid less. This type of payment set up is obviously different than the standard used in the industry. Moreover, XXXX XXXX XXXX failed to inform me that the automatic payments made through their website was less than the amount owed. I took extra step to pay the full amount owed after I noticed the error. For these reasons, I believe this error is due to a failure to collect from an unusual automatic payment software. I am therefore launching this complaint to have them 1. Changed their payment process to allow automatic minimum amount due as opposed to an arbitrary set amount and 2. Remove the late payment from my  credit report for the reasons above.
Product: Credit card or prepaid card

I was told to send the front and back copy of the prepaid visa card {$100.00} and receipt from XXXX 's where i bought it, so i did in XX/XX/2020. I faxed it together with the copy of my Driver License, receipt and proof of address. They said I should have the replacement Visa prepaid in 90 days. It is already more than 100 days and I have not received any.
Product: Credit reporting or other personal consumer reports

I really didnt know too much about checking my credit but when I did I found 2 fraudulent accounts on my report which is XXXX XXXX XXXX fraudulent amount is XXXX and also XXXX XXXX XXXX  is fraudulent amount XXXX I have no knowledge of either one of these accounts
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency : XXXX XXXX Address XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.
Product: Payday loan, title loan, or personal loan

I applied for a loan of {$300.00} online and it took me to speedy cash. I was told that the loan would be in my account in XXXX hours this was in XXXX XXXX XXXX It took them a week to get it to my account. And they were taking payments out even on days they shouldnt. I had someone call me from speedy cash and ask for a payment and I gave it to them and so they could make sure who I was they asked for my social security number and I gave it to them. Well next thing Im getting a call from my bank saying there was a transaction of XXXX on my account and even XXXX which I didnt have. I told them it was me and the payments too place in Texas I was in Utah. They got there money and then some. Now my social security number has fraudulent activity on it because of these guys.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Credit Collection Services ( CCS ) due to their failure to respond to my debt verification request in a timely manner, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/year>, I sent a dispute letter to Credit Collection Services via USPS-certified mail with tracking number XXXX. The letter was delivered on XX/XX/year>. In my letter, I requested the following information : a copy of the contract, as I need to understand the terms of the alleged debt ; a copy of the purchase agreement, as I question whether CCS actually owns this debt ; and account statements, including the last statement showing a XXXX balance and all subsequent statements up until the point where the amount owed reached {$200.00}, so I can understand how the charges were calculated. 
As per the FDCPA, a debt collector is required to provide the requested information within 30 days of receiving a dispute. To date, I have not received any response from Credit Collection Services. This lack of response constitutes a direct violation of the FCRA and FDCPA, which mandate that debt collectors must provide verification of the debt upon request.

I am including a copy of my dispute letter sent to Credit Collection Services on XX/XX/year>, and the USPS-certified mail confirmation showing the letter was delivered on XX/XX/year>, as evidence of my claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Account XXXX XXXX, Date XXXX XXXX XXXX, XXXX The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I submitted a dispute regarding identity theft accounts that on my credit report I also reached out to the credit card companies for validation of debt and they have refused to do so. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 they creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.
Product: Mortgage

After many months of working on a loan modification with XXXX XXXX XXXX and a home advisory group XXXX XXXX, we received a notice that we were approved for our loan modification and to wait for the documents to sign official documents. After 2 months of not receiving ANY loan documents we asked the servicer and the advisory hud group why we had not received the documents. The servicing rep XXXX XXXX is her name she is in loss mitigation stated we needed to use their certificate of trust and lodge our home in a trust. Our home is already in a trust so they were giving us work to do with no intention of sending our loan mod documents!!! This cost us time and notary money. This was in XXXX almost 3 months after receiving the loan mod approval. XXXX XXXX told us she had been waiting for direction from Nexbank her investor. Today XX/XX/year> we got a call from XXXX after doing ALL that she has instructed saying " I know its crazy but the client does not want to honor the loan mod now and I dont know why I am thinking they may sell the mortgage. '' This is unacceptable that they played games for months and sent us an approval. This is bait and switch and doesnt comply with Respa , Tila, or HUD laws. It also violates California state laws. Its misrepresentative and disgusting and nexbank should cover damages.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a secured personal loan account opened at XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ). I have identified several fraudulent hard inquiries and collections on my consumer FICO credit report. Attached, you will find a detailed list of the hard inquiries in question, as well as a copy of my FICO credit report that highlights these fraudulent entries. I do not recognize the accounts, collections, or hard inquiries mentioned, as they were neither opened nor authorized by me. These entries are the result of identity theft and fraud. For verification, I have included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ), issued by the U.S. Federal Trade Commission, which confirms that these accounts, collections, and inquiries were caused by identity theft and fraud.
Product: Checking or savings account

Hello, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was researching something for an assignment Im on and came across the CFPBs Consumer Financial Protection Circular dated XXXX. The situation described as a UDAP violation is exactly what occurred to me when I attempted to close my account at Regions Bank in late XXXX. Of course, they could have corrected that practice by now, but I do know that I was assessed {$170.00} in overdraft fees due to them reopening my account after I had already closed it. Regions stated that because I did not stop my bill pay items, that they reopened my accounts to pay my bills. However, I determined that there mustve have been an interface issue with XXXX XXXX pay software and the XXXX XXXX XXXX I was using, as I know for a fact that when I went to stop scheduled bill pay items there were none listed. However, Regions claimed that it was my responsibility to stop the bill pay items prior to closing my account, hence why they reopened it to pay the bills ( with the {$0.00} in my account? ). After so many calls being bounced between Regions and XXXX as they both blamed each other, I simply refused to pay the {$170.00} negative balance on the account. Regions offered to cut the amount in half that I owed, which I respectfully declined. Thankfully, I dont believe my negative balance was ever sent to collections or reported negatively to the credit bureaus. 

Of course, 2 years is a long time and the bank definitely could have stopped the practice by now, but I wanted to at least submit this complaint in the off chance that consumers were still being harmed.