23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX - XXXX XXXX XXXX Late Dates XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

This company has reached out in pursuit of payment but when requesting information refuse to provide more details. This leads me to believe they are violating my consumer rights under 12CFR 1006.34 ( b ) ( 5 ) yet there is a collection recently added on my consumer report. Due to them avoiding providing info after numerous attempts, I am now due for {$1000.00} for each violation listed by this company on my consumer report. They have the option to delete these accounts or pay me for each violation.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to finishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experians inaction violated federal law as my rights as a consumer.
Product: Debt collection

i was notified by my credit monitoring service that there was a new collection on my credit report. I reviewed my credit report and found that it contained a collection from Commonwealth Financial. At this point, i had not received any phone calls or letters by US mail. I looked up the company on the internet to obtain there phone number. I contacted the company and spoke with a representative and was informed that I owed a hospital bill from XX/XX/XXXX from XXXX hospital. I asked them why I had not received anything in writing about this and they said they would send me a validation letter. I then filed a letter with Commonwealth Financial stating that they needed to send me validation of the debt from the original creditor showing the itemized bill. this was on XX/XX/XXXX. I have since been harassed by them by phone and have requested that all collections be stopped against me due to the dispute. They have failed to report to XXXX, XXXX and XXXX that this debt is being disputed by me. I have also emailed them a letter from the original creditor, XXXX hospital, stating that i have a XXXX balance with them. I have on numerous occasions tried to contact them on the status of this dispute and have got the run a round about it. I have requested that they remove all information from the credit bureaus while this is being investigated and they refuse to do so. they told me they have 30 days to validate the debt but have failed to do so as of yet. This company is clearly violating FCRA laws by not informing the XXXX credit bureaus that this account is in dispute. XXXX XXXX with Commonwealth Financial will not respond to my phone calls. He is the person that is supposedly handling my account with them. i would like this removed from my credit report immediately or legal action against this company will be taken on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some accounts that I never gave permission to the companies to check my credit report and that is illegal. I ask that these fraudulent inquiries be removed from my report as they should have never happened. I have attached the required identity theft form as requested by the companies involved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX sent me an email notice asking me to check online message regarding my monthly payment for the XXXX-year mortgage I have in XXXX or XXXX timeframe. The message was about increased escrow ammount due to increased tax payment. 
XXXX : because the company sent me so many emails and tried to call me to notify me about the big data breach incident they had, or ask me to refinance my mortgage for their marketing effort, I did not take it serious that I recevied an email to check online. In addition, at the time, I forgot my XXXX XXXX login info, so I did not check my online message informing me escrow account was increased. 
XXXX : I noticed my credit score was decreased from over XXXX to XXXX as notified by my credit card company, I checked and realized I was reported as mortgage past due. I called XXXX XXXX and learned that I didn't pay the escrow increase of {$150.00}. I have been paying my mortgage of XXXX XXXX monthly via my bank 's auto payment all these months. The unpaid amount is less than 2.5 % monthly fee I have been paying. I was furious! 
XXXX : I paid the escrow balance of {$310.00} on the phone and adjusted my monthly payment of mortgage to the increased ammount going forward. I also spoke to the company representative and expressed my shock and disapointment. The representative was very hostile and told me by definition I didn't make the payment. I confirmed that the company never called me or emailed me on the escrow change as aggressive as they did when they tried to market me about refi my mortgage. I also spoke to the manager, and was told that the company would correct my credit report. 
XXXX : My latest credit score is now only at XXXX. I have never missed a credit card or mortgage payment. this is outrageous! 
If XXXX XXXX spent more time on their IT management, they would not have had the data breach incidence and I would less likely to skip their email. In addition, XXXX XXXX called me way too agressive on refi my mortgage that I was afraid to pick up any call from them nor call them. I wish XXXX XXXX to spend more investment on training as well. If I have a choice, I would not have had my loan be serviced by XXXX XXXX. They do nothing to protect consumer 's interest.
Product: Vehicle loan or lease

I have an auto loan ( as well as other products ) with USAA and have been a longtime customer. My auto loan includes a .5 % APR discount for having automatic payments set up. I recently needed to change checking accounts to a new bank, and when I tried to change the payment account for my auto loan with USAA on their website, I received a message that the functionality was not available. I then called their support line and was told that customers we not able to modify existing automatic payment settings or create new automatic payment plans. Which means I can not modify my existing automatic payments ( and continue to receive the rate discount I'm entitled to ), nor can I cancel my existing automatic payment plan and create a new one ( and maintain the discount ). My only option is to cancel my existing automatic payment plan and then make manual, monthly payments for the remainder of the loan term - and receiving an effective .5 % APR increase as a result.
Product: Debt collection

15 USC 1681 Permissible Purpose It is a violation to report anything on my credit report, I never gave written consent for any information to be on my credit report. 


THIS IS IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Account Resolution Corp XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request for Substantiation of Account # XXXX Dear Sir or Madam : Your firm has incorrectly listed an account in reference to a debt your firm alleged that I owe. [ In the amounts of {$910.00} ]. 

I would like more information about this alleged debt. 

1. The signed contract or application that created the debt, or, if neither exists, a copy of a document given to the alleged debtor while the account was active, demonstrating that the debt was in fact incurred by the debtor. If the debt was incurred under a revolving credit account, this could include the most recent monthly statement showing a purchase, payment, or balance transfer ; and 2. The account statement at charge-off, or equivalent document, that the original creditor issued to the consumer ; and 3. A statement describing the debts complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale and transfer ; and 4. Records showing the amount and date of any prior debt settlement agreement in connection with the debt agreed to after the effective date of these regulations. 


The regulation further requires that you provide substantiation to me within 60 days of your receipt of this request for substantiation, and that in view of my request for substantiation, you must cease collection until substantiation has been provided, delete this debt and report to all 3 Credit Bureaus. 

Please send substantiation of the debt to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i had fraudulent account on my report please remove this account from my report they hurting my ability to obtain credit
Product: Mortgage

First Bank placed an insurance policy on my property, even though I already had another policy covering the same risks and limits. This same bank made payments on both policies and is refusing to cancel theirs.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

XX/XX/2012, I co signed a loan for around {$12000.00}. I was only XXXXyears old. I has absolutely no idea a lot responsibility. The last 9 years of my life has been a struggle for me financially and credit wise. I have been trying to restore and rebuild my credit. I have not had any contact with the owner of the car in 9 years. He refused to pay the loan off. I feel that i shouldnt have to suffer any more. Its been 9 years and I still have not been able to eatablish a good credit report. Navy federal keeps updating it which makes it worse for me. Im a single mother. Im asking for a deletion please. 


I also have a car loan that was opened around XX/XX/2012 for around {$10000.00}. Which has also been charged off for over 8 years. Again I was so young, I wish that I would have been more responsible to knowing these types of things. Both of these accounts have new charged off for years. 

I recently was added as an authorized user on my husbands navy federal credit card whom has nothing to do with my past history. Navy federal closed his accounts because of my old charge offs which was not fair to my husband at all because he has no knowledge
Product: Credit card

On XX/XX/2023, I made the decision to open a XXXX XXXX credit card with the intention of building my credit and enjoying increased cash back on my spending. The allure of a one-time {$200.00} cash bonus after spending {$500.00} within the first 3 months, as advertised on the official " capitalone.com '' website, added to the appeal. It's important to note that I already hold a high yield savings account with Capital One. 

However, my optimism was dampened when, a few days later, I contacted the credit card agents to confirm the details of the sign-on bonus. To my dismay, they conveyed that I didn't qualify for the offer because I had signed up during a period that supposedly didn't include the bonus, contrary to the information on the Capital One website. 

More than the monetary aspect, what truly frustrates and angers me about this situation is the sense of deception, trickery, and dishonesty. Despite these feelings, I still hold a positive view of Capital One and sincerely hope they address and rectify this serious issue.
Product: Debt collection

I am writing to dispute a debt collection notice I received from your agency, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). Upon review of the notice, I have identified several discrepancies and potential violations : The following account is not mine XXXX XXXX XXXX  Account Number : XXXX This account is not mine. 

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests.

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification.

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you provide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor. 
- Documentation showing that your agency is authorized to collect this debt. 

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA.

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency.
Product: Vehicle loan or lease

Inacurrate information reported to credit bureaus. My car payment is due on the XXXX of the month. My payments are not 30 days past due.
Product: Credit card or prepaid card

I received numerous computerized harassing calls to my cell phone with no indication of fraud, yet no minimum payment was due on my Home Depot card that they were calling about, I went online to try to see the issue and my account was locked. I did not have time to sit on hold with the recommended XXXX. But then they send me an e-mail letting me know I can access my account online after their cut-off time for my payment and they lowered my credit limit and charged a late fee, but now I can only make the minimum payment of double the amount. Every month I am not able to access my account near or around my due date to make the payment so they can charge a late fee. Calls show up on my phone as a potential scam.
Product: Debt collection

contacting before XXXX and after XXXX multiple and person on phone was rude and disrespectful
Product: Checking or savings account

I opened an account at Ally bank on XX/XX/2022, under the premise that it was an online bank, does not have a physical presence in my state, and would be receiving my debit card in the mail after my first direct deposit. I selected the debit card option during the sign up process. After selecting this option, the website displayed a message that informed me that the card would arrive within 5 business days of my first direct deposit. My first direct deposit of {$490.00} posted to the account on XX/XX/2022. By XX/XX/2022 I still had not received my debit card, and still had no access to my funds, so I contacted customer service through their mobile app. I was connected with an associate who identified themselves as " XXXX from Florida ''. When I explained the situation, they told me that the debit card had not been ordered during the sign-up process. I informed them that I absolutely selected the debit card option during sign-up, and that the mistake must be on their end. She informed me that I would have to order a card manually, which could take another 10 days to arrive, and they would not expedite it without charging me a {$15.00} fee.
Product: Credit reporting or other personal consumer reports

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

15 U.S.C. 602 a. right to privacy
Product: Debt collection

They call me at least 5x a day from a number you can not call back. They do not leave a message then call my job. I tell them I will call them back and they call my cell at least 3 more times. 
I call them back and tell them I have do not have the money to pay the amount they are asking for and am offering them an amount that I can send them and they say it is not good enough. 
They begin again. They told me they will call my cell phone and job daily until I pay them. 
I told them I am trying to file bankruptcy and they said until I do they will continue to call my job and cell phone daily until my bankruptcy is in court. 
They are very RUDE when they call and say I need to pay it all or nothing at all.
Product: Student loan

I ' am writing to complain about Simm Associate Inc Referance number XXXX and XXXX. This collection agency engaged in the following unfair and abusive collection practices specifically prohibited by the Fair Debt Collection Practices Act, 15 USC 1692. I received two calls on XXXX XXXX, 2016 at XXXX XXXX and XXXX XXXX from XXXX XXXX to inform me she contact my employee and verified I was an employee. She advised me the call was record on both calls. She did not verify my information on both of the calls. She made repeated and continuous calls to my cell phone and my place of employment. I also received an anonymous 3rd call on XXXX XXXX, 2016, but I hung up on her, after she stated her name. The calls were harassing and she misrepresented her self. The first call she stated she was with a law offices. 2nd call she stated there was no attorney working in the office. I tried to explain to her over and over that I did not signed for the debt she is collecting for she repeatedly talked over me. During the call she tried to me she had discovered information from my POE that could be used against me or valued to collect debt. During the call I also advised her to contact my attorney regarding bankruptcy. I was informed that the private student loan was covered under my bankruptcies. The 3rd time I spoke to XXXX XXXX I called the office to advise her that I was disputing the account and to send validation of debt. I called back 3 times to request an supervisor. The first time she hung up on me after I advised her who I was. The 2nd time I spoke with a gentleman he hung up me and I heard them and the background talking stating not to talk to me. 3rd time she hung up on me. These calls was made XXXX XXXX central time. Final call I spoke XXXX XXXX supervisor and advised him of the calls.
Product: Credit card or prepaid card

1. CitiCard misapplied two XXXX 2021 payments to my City Diamond Preferred Card account they had closed ( # XXXX ) due to inactivity, with NO notification to me, giving me a chance to keep this card active. 
2. When I called CitiCard @ XXXX on XXXX @ XXXX XXXX about this problem, she said the card with the misapplied credit balance was closed due to inactivity. She said it would take 3 business days to transfer the misapplied payments to my open Costco Anywhere VISA Card by Citi account ( # XXXX ). 
3. I told her I received no notice my City Diamond Preferred Card would be closed due to inactivity. She said I was sent an email but couldn't tell me the email address, date, etc. I told her I always requested paper copies of all of my credit card statements and all notices. She said, Well, it's closed and can't be reopened without applying for a new credit card, which will adversely affect my credit rating. 

CitiCard should reopen this closed account City Diamond Preferred Card ( with no charges/penalties to me ) since they failed to notify me by mail it could be closed due to inactivity. I also feel that the government should look into CitiCards practice of retaining funds paid on closed accounts. This does not seem legal or ethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, Original Creditor, XXXX, US DEPT ED Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I got scammed today through my chase XXXX  payment! I sent XXXX payment of {$300.00} to another person on XXXX XXXX XXXX than I realized it was scam and I automatically contacted my JP Morgan chase bank to dispute the transaction but I was told they are not able to do it because it was done by XXXX payment as the third party! I have all emails, and communication with the scammer. Also my bank just fillled the complaint thats all they were able to do it and told Me to contact the XXXX  but because of the holidays I was not able to speak with their customer service and I just filled the scam report on their website! Please help me to solve this matter and get my money back! Thank you.
Product: Debt collection

On XX/XX/XXXX, I received a phone call from American Education Services attempting to collect a debt that they had called about a few days prior. During the previous call, I explained my intent to pay the full amount due and past due by the end of the month, of which this latest call, I issued a statement intending to pay the full past due and due balance by the week of XX/XX/XXXX.

AES/Pheaa needs to be made aware that communication tactics which include repeated phone calls at inconvenient times, or so close to any phone calls prior violate my rights as a consumer, especially if I've made statements making it clear WHEN I INTEND TO PAY. AES/Pheaa will cease and desist all outgoing phone calls until further notice or legal action may be pursued.