23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have filed a complain with the XXXX  against this company. But when I reviewed the other complaints listed there, I discovered that every single complaint was about the same thing as mine. This company clearly is employing some illegal tactics to get people so scared that they will pay for a debt they may not owe. I want resolution for my own problem, but I also think that the CFPB needs to put this company on warning so that they stop preying on people who may not realize their rights. For each of the people who complained, there must be thousands more who are falling victim to this company 's repulsive system for making money on people who thought they had gotten out of debt. 

I discovered the problem today because my credit report went down by 29 points, though I have been working very hard to restore it during a horrific divorce. I am in the middle of applying for mortgage modifications and need to keep my credit score intact during these very difficult times. I was shocked to see this company had filed a collections notice against me though I HAVE NEVER RECEIVED A COLLECTION NOTICE FROM THEM. They clearly bought this debt from someone else and have never bothered to look into it. This debt is probably from XX/XX/XXXX, and was my soon-to-be-ex-husband 's share of our phone bill. He left me with many debts and sole responsibility of XXXX children, and I explained to XXXX at the time that I was not able to pay for his phone bill, which was listed under a family plan. I thought that XXXX had thereafter cleared that debt and I even worked with a credit counselor who also worked to ensure that debt was clear. 

Now, out of nowhere, at the worst possible time, this company buys a debt that is at least 8 years old and lists it on my account as collections, completely destroying the credit I just spent a year rebuilding. This is not a new debt and I have not received anything ever from this company about this debt. They are destroying my chances to get a mortgage modification over a debt that did not belong to me and is over eight years old. I don't even think that the amount is accurate ; they list the debt as {$500.00} but I don't think this is even based on an accurate bill from 8 years ago.
Product: Checking or savings account

I am following a complaint against capital one regarding the deceptive practices related to their 360 high-yield interest savings accounts. Capital one misrepresented the 360 savings account as having one of the nations highest interest rate, he had failed to notify account holders about the superior rates offered by the 360 performance savings account. This deliberate obscurity and lack of transparency violated consumer trust, and resulted in significant financial losses for many, breaches the cost Consumer Financial Protection Act and the truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertise promises.
Product: Mortgage

I submitted my mortgage payment using my mortgage companies online bill pay system. The payment was made on XXXX XXXX, 2015. The bank account information I listed was, apparently, off by XXXX number and as a result it never went through. I discovered this today, XXXX XXXX, and contacted my mortgage company to inquire as to why the payment never went through. I was at this time advised that the account information entered was incorrect. I asked that since my original payment was submitted timely, and since the only reason for the issue with the payment was related to an error in account info, that they not report my husband and I to the credit agencies. I was told " too bad, we 're reporting you anyway ''. I never received a phone call, email, text message or notification via XXXX Mail stating that the payment could not be processed and therefore was unaware that payment had not gone through. I do not feel as though my husband and I should be penalized as a result of their inability to provide proper notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report this morning I noticed that this credit bureau has not removed an illegal account from my credit profile ( MACYS # XXXX ). I have disputed the accuracy here on this board once before and the fact that this account has been inactive for over 8 years and that the terms are incorrect and contradictory makes me very frustrated at how its continues to appear on my credit report. This is outrageous and irresponsible ... I have repeatedly asked them to remove this derogatory item and stop illegally damaging my credit score and they have failed to listen and remove this incorrect account which displays contradictory information and that is against the law. I have not been in collection with this company ever and yet every bureau displays some completely different information in the remarks, terms, monthly cycles and so on with different dates and incorrect amount. When an account is past the statue of limitation every consumer is aware that it is in strict violation of FCRA law to re-age it and change its terms to keep it on the profile. I have had immaculate credit for the last 8 years and so this account is being illegally re-aged and placed back on my credit report every time i dispute it. Whats worse is that XXXX and Equifax have absolutely different terms, balances, information and such. The monthly cycles have all been deleted so that it is NOT even possible to verify the last payment in order to remove the old account. They continually and illegally delete this accounts information and change it around just to call it an investigation and that is unprofessional and truly illegal. I am asking that this account be removed and NOT re-aged, not have its information deleted and changed to suit their false investigation and I would like my credit reports mailed to me as proof that this illegal account has been deleted permanently from my report please. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized Activity date : XX/XX/2021, Unauthorized credit inquiry, upon checking my 3 credit reports on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquiries were placed without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports from XXXX, and XXXX show a car repossession listed as an account that originated with XXXX and has a {$0.00} balance due. The original lender was XXXX and the account was sold to XXXX. XXXX XXXX This report and collection information is inaccurate and incomplete because : The amount stated in the collection is incorrect, and the balance is inaccurate. The lender sold the Vehicle at auction, the Vehicle had Gap insurance, therefore XXXX was paid for the difference between the sold price and the remaining due at the time of voluntary surrender. XXXX did not report the amount it sold for, and never disclosed the amount to me, they were paid by the GAP insurance company the difference between the selling price and the balance on the account. The original account has been adjusted to a {$0.00} balance. However, XXXX sold that account to NCB management services for the amount of {$11000.00} While XXXX found the error after I reported the issue in 2022, and removed the account from their credit report, NCB management services are continuing efforts to collect on a debt that has been paid in full and reporting the delinquency to XXXX, and XXXX XXXX reporting agencies. This violation of FCRA laws has impacted my credit score for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never gave this consumer reporting agency EQUIFAX any written consent to report anything to my consumer report which is a violation of FCRA. Pursuant to 15 USC 1692 ( a ) this an invasion of my privacy by reporting things to my consumer report without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, CAINE & WEINER add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday morning, I attempted to freeze my credit on line at Equifax. It put me into a loop that they could not process it at this time and to try later. After several attempts to try later, I called the number given for customer service. They said their system was updating and to try again in 30 minutes to 1 hour. I tried again in 1 hour to the same results. I then waited overnight and tried this morning at XXXX CST with the same online loop, then the phone call to customer service, where they said they were updating and could not access any files, so try back in 30 minutes to 1 hour, or try the automated system. I called the automated system and when I pushed the selection for credit freeze, it froze the line to dead air. I waited 4 hours and tried again on line ( to the eternal loop ) and called customer service, who told me they were updating their system and to call again in 30 minutes to 1 hour. I called the automated system and, when I got to the dead air point, I waited it our for 45 seconds and then got to input my street number and SSN to order the freeze, after about another 45 seconds of dead air, the voice came on to say they couldn't process my request at this time. My guess is that if I wanted to purchase some product of this bureau everything would worked fine. All I want is to put the freeze on my credit as I did with the other two credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XX/XX/XXXX my husband and I applied for refinancing home opportunity. This event revealed that we had been rejected due to " my '' alleged Collection status on XXXX XXXX XXXX for total of {$170.00} filed on XXXX according to TransUnion Credit Report Agency XXXX XXXX XXXX  XXXX, XXXX, PA XXXX I immediately contacted and personally visited XXXX XXXX XXXX located at XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX when Mr. XXXX XXXXRepresentative kindly agreed to email me an official statement from XXXX XXXX showing that in fact, I do not owe any balance due to XXXX on my still current cell-number XXXX which I had it since XXXX Furthermore, the account related to this number was classified as " Personal '' until last year when I decided to simply switch from " Personal '' account to " Business '' account retaining the same cell-number. For some reason, XXXX XXXX personnel did not properly closed this " personal '' account, however all balance due were switched to " Business ''  account but in a negligent mistake XXXX XXXX left a remaining open {$170.00} on this " personal '' account. It's worth mention that this account has been closed by VZ and as a Customer I could not login into this old acc #. This is the reason Mr. XXXX could access to this old acc # being an authorized XXXX Representative. I first spoke to TransUnion Representative on XX/XX/XXXX Representative to explain that this Agency needed to correct this erroneous data showing Collection status on my behalf. I spoke to 2 Representative, none of them spoke clear English. I decided to file online investigation at TransUnion website -and also mailed my Dispute to their XXXX XXXX explaining and presenting official document sent by XXXX XXXX reflecting that : 1 ) That old acc has {$0.00} balance due and 2 ) CURRENT account to date reflects NO balance due to XXXX since I am still a Customer of XXXX. TransUnion Credit Report still insists on leaving this detrimental false report on my Credit ( not other 2 Credit Report Agencies are reflecting this mistake ). I consider this to be a breach and abuse against a Consumer on TransUnion part. XXXX XXXX has issued an official document reflecting {$0.00} balance due for both accounts : Personal and Business but still TransUnion disregards this fact. I respectfully request from CFPB your intervention to solve once and for all this issue. Thanks.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/23 and XX/XX/23 ). Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

under the fair credit reporting Act ( FCRA ) credit Reports must accurately reflect a consumers credit history any discrepancies, such as late payments close account or unauthorized inquiries violates the federal law transfer me the right to dispute any rectify these inaccuracies there are unauthorized inquiries, unauthorized accounts on my credit report closed unauthorized credit card XXXX XXXX bank inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed accounts XXXX XXXX XXXX, ( listed twice ) XXXX XXXX XXXX XXXXXXXX bank ( listed twice ) XXXX XXXX  ( listed twice ) XXXX XXXX unauthorized account closed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account : XXXX has violated my rights ; 2. XXXX XXXX XXXX  XXXX has violated my rights ; XXXX. XXXX Account XXXX has violated my rights ; XXXX. XXXX XXXX Account XXXX has violated my rights ; and XXXX. XXXX Account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states : I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Section 2 : states : " a consumer reporting agency can not furnish an account without my written instructions. ''
Product: Student loan

I submitted a request to change to standard repayment plan XX/XX/XXXX. Estimated processing time of 5-7 business days. As of today XX/XX/XXXX, it is still listed as processing. I called XX/XX/XXXX to inquire about expected processing time, as payments are set to resume. I was not given an approximate time frame. I was only told that IDR requests from XXXX were now being processed, but she had no information on other plans. Deferment was offered, which I declined, as I am less than a year from forgiveness for the majority of my loans and I'm hoping this is addressed prior to the day my payment is due. I was also provided information on applying for the IDR/SAVE plan and then the auto enrollment for payments to save {$5.00} on my loans, which I declined, as I'm still waiting for one form to be processed and I do not trust them to take the appropriate amount every month. Online message was sent XX/XX/XXXX. Expected response time of 3 days.
Product: Credit reporting or other personal consumer reports

I found out last year that my credit was used in identity theft
Product: Credit card or prepaid card

Early XX/XX/XXXX, I got the mail notification from Citi Bank to close my saving and checking accounts because of several transactions. 


Actually, at that time I just bought a house and got a loan. So I paid {$9900.00} ( the  max daily allowance for early-payment ) to the loan bank several times in XX/XX/XXXX to access my loan payment. 


I explained this reason by phone multiple times. Then went to XXXX XXXX Citi bank and talked with some officer directly with related documents and evidences. She tried to help me to reach the particular department several days. I also confirmed from her that I could still use all credit cards and the mail was only about saving & checking accounts.

But unfortunately my saving & checking accounts were closed in XX/XX/XXXX, and to my big surprise, all my Citi credit cards were closed without any notification ahead. All rewards disappeared and not able to cash out.

I am a loyalty Citi customer since XX/XX/XXXX with several credit cards ( as my primary cards ). I feel so sad on this decision even without notifying me ahead. In XX/XX/XXXX I tried to apply a citi credit card and got rejected. 


I just wonder if I can get my rewards back as money. Just in one card -- double cash, I still had {$300.00} not collected rewards. Would you please help get back my lost from all credit cards?
Product: Debt collection

XXXX {$510.00} DISPUTED LETTERS SEVERAL TIMES XXXX {$860.00} DISPUTED LETTERS SEVERAL TIMES
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never 30days late ( SELF ) can not prove I was ever 30 days late ( SELF ) is in violation of 15 U.S.C.1681s-2 ( A ) ( 1 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The credit report ( attached ) shows that the information being reported by ( SELF ) does not match between all three credit reporting agencies, which means somewhere there must be an inaccuracy How can ( SELF ) be reporting accurately to the credit reporting agencies, if each credit reporting agency has different information? 
the account number for the ( SELF ) account does not match between all three credit reporting agencies the payment status for the ( SELF ) account does not match between all three credit reporting agencies the date of last active for the ( SELF ) account does not match between all three credit reporting agencies the payment history for the ( SELF ) account does not match between all three credit reporting agencies ( 24 months ) after previous dispute, ( SELF ) illegally shuffled dates around
Product: Debt collection

I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX, XXXX as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who XXXX, XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX, XXXX is indicating that an account with the account number XXXX XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX, XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated under the FCRA by equifax. 
Equifax is refusing to follow guidelines for handling my disputes fraud use on my consumer file. 
I first contacted XXXX XXXX when I received inquiry on my credit file XX/XX/2021. 
XXXX XXXX immediately closed account after confirming as fraud. 
I began first dispute with equifax instead of verifying and removing fraud account equifax kept info on my credit file as accurate. 
I did second dispute with equifax with letter from XXXX XXXXXXXX as fraud, equifax continued to allow fraud to remain on credit file as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting Agencies ( XXXX, EQUIFAX, XXXX ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX, XXXX, XXXX XXXX- XXXX, US DEPT ED- XXXX, XXXX XXXX XXXX. All of this accounts I have not validated or given these companies WRITTEN OR ORAL Consent to report anything negative about ME. I am demanding you to block and remove this information and accounts within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.
Product: Debt collection

someone opened an account with Amazon and then opened a Chase credit card. The account went delinquent and we did not receive collections le tters until the point of it being sent to an attorney office. I do not have an account with Chase for Credit Card or an Amazon Account. I have tried to make contact several times. and now they have referred this to an attorney. My request for information have not been addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing complaints with XXXX for almost two and a half years now Ombudsman group mandated that they remove all payment history prior to XXXX XXXX XXXX to XXXX due to my bankruptcy Chapter XXXX they still have not remove payment histories from the accounting XXXX when I call two weeks ago they stated they see the ongoing problem but somebody has dropped the ball and that 's why it 's still not rectified they stated that they would contact me back within 7 days at which point the proper department will take care of this again and it still has not been done so payment histories from a closed account is still showing up negative on my credit bureau as well as the fact that they have it looking as if there 's five different student loans on my credit report when he won in XXXX was discharged and was requested to be removed and the ones from XXXX were Consolidated and they refused to fix this as well so it in case I have 5 student loans when I do n't