23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no idea who Carter Young Inc A/D 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. Carter Young Inc A/D is indicating that an account with the account number 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. CARTER YOUNG INC A/D DID NOT PROVIDE ANY OF THE INFORMATION REQUESTED.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 Carter Young Inc A/D as third-party collection agent.4. Provide a true and correct copy of the instrument by which [Carter Young Inc A/D } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States (31 U.S.C. § 9101).5. Provide the delegation of authority from the Director of the Office of Management Budget to  Carter Young Inc A/D, 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.* Sharing Non Public Information (NPI) without providing an Opt Out Notice
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX  XXXX Balance Owed : {$2.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00}
Product: Debt collection

XX/XX/2020 I spoke with XXXX to confirm that I do not owe them this money and they agreed.
Product: Credit reporting or other personal consumer reports

I have never had this information and this is inaccurate unless proof and validation, delete immediately as I have took further matters and a class action may soon to come. FCRA prohibits inaccurate Information and must verify through Myself, nor XXXX, XXXX, XXXX. My information will be erased and all data containing me.
Product: Credit reporting

We are attaching the letter we sent to Equifax on XXXX XXXX. I never received my investigation results, but my wife, XXXX did. We are still trying to ascertain why Equifax did not send my investigation results.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX 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 without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was a bank error which occurred, and I have always been on time with no issues. Fraudulent activity occurred on my credit card with XXXX and I followed protocol and reported it stolen and lost to bank. However, the representative did not document correctly and immediately close the account which no longer exist. When I went to branch, they were aware of issue. My payment went to a different account versus the account title under my name. 


XXXX ( XXXX XXXX ) Account # XXXX Account Rating XXXX Type : REVOLVING Loan Type : CREDIT CARD Responsibility : I Remarks : CLOSED BY CREDIT GRANTOR Credit Limit : {$2500.00} High Credit : {$2500.00} Terms : Balance : {$0.00} Past Due : {$0.00} Last Payment : Charge Off : Opened : XX/XX/XXXX Paid : XX/XX/XXXX Closed : XX/XX/XXXX Verified : XX/XX/XXXX Update Method : AUTOMATED Late Payments 2 1 0 ( 48 Months ) 30 60 90 Delinquency Maximum : XX/XX/XXXX ( XXXX ) Amount : Date : XX/XX/XXXX Payment Pattern Months 1-12 : XXXX Months 13-24 : XXXX Months XXXX : XXXX  Months 37-48 : XXXX
Product: Credit card or prepaid card

American Express lied to me about their Credit Reporting Process. I contacted American Express prior to my payment due date of XX/XX/2022. I informed them that my XXXX Tax return was still being processed and I was waiting for a large refund check. I discussed my account options with them and informed them that I would not be able to make the payment by the original due date. I discussed several options with the representative and was informed that as long as I made the payment prior to XXXX nothing would be reported to the credit bureaus. The agent said that as long as it is not more than 60 days past the original due date, everything would be fine. I specifically asked, " So as long as I pay prior to XX/XX/2022, nothing will be reported? '' and was told " Yes-as long as you pay prior to XX/XX/2022 we will not report anything to the credit bureaus. '' I asked multiple times and asked if they were " 100 % sure '' that was correct and they assured me that yes that was their policy. I have been with American Express for XXXX years and I trusted them. Well, to my shock, American Express did the complete opposite of what they promised me and reported me to the credit bureau in XXXX. I paid the balance prior to the XX/XX/XXXX date that was communicated to me by American Express and they still did not follow their policy. I spoke with American Express after the derogatory mark was added to my credit report and they have now changed their story. They are stating that the agent I spoke with was wrong. I asked them to investigate and was told they would file an internal complaint and listen to the recorded phone call to verify my story. I called back a few weeks later asking for an update and none was on file. The agent filed a second internal complaint with supposedly a higher priority for them to investigate on XXXX. I should not be penalized for following the direction of American Express. This is an unfair and predatory business practice to provide information to your customers and then go behind their back and do something different and deny the whole thing. I took the time to contact American Express proactively to discuss my options and when I follow American Express 's direction I am penalized.
Product: Credit reporting or other personal consumer reports

I just received another letter from ADVANCED RESOLUTION SERVICES. This credit reporting agency has refused to place a security freeze on my personal information in their files. This is in response to a 2nd written request ( copies included ) I have made via USPS certified mail return receipt. This 2nd letter from ADVANCED RESOLUTION SERVICES makes reference to a bogus dispute. It does not address, nor even mention my request to place a security freeze on my information. I included a copy of my social security card and a copy of my government-issued ID. In light of this 2nd letter from ADVANCED RESOLUTION SERVICES, I am even more concerned about unauthorized access to my personal information. For the third time, I would like a security freeze placed to prevent potential creditors from obtaining my personal information without my authorization. Please be advised, I prefer to conduct business with ADVANCED RESOLUTION SERVICES in writing. As they appear to be corrupt and shady.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/scrub> 2024, I received unsolicited advertising via US mail from Figure ( Figure lending LLC, NMLS XXXX ). This mail stated in bold print : " You're Pre-Approved '' and went on to say " Get your FREE quote -- without impacting your credit score -- at Figure.com/fastfunding '' I followed instructions based on the large type offer. The website CONFIRMED that they would, indeed, provide a quote for a loan, without any reservation. ( Note : the advertising came with a page of text too small for a XXXX XXXX XXXX to read. I could not read any of the reservations regarding their offer. ) Based on this promise, I entered into an agreement with Figure Lending LLC to provide private information in exchange for the PROMISE of a quote for a loan, and a PROMISE to not affect my credit score.

I fulfilled my side of the bargain, providing many web pages of detailed private information regarding my contact information, asset ownership, income, and other PRIVATE information of value to companies and advertisers.

After fulfilling ALL of my obligations, Figure Lending refused to fulfill theirs.

I did NOT get a quote. Instead I was declined -- and evidently I was declined based on information they already had before they made the offer of a Pre-Approved Loan!

They made it EXCEPTIONALLY DIFFICULT to obtain a " Adverse Action '' letter, but I was able to find it only to discover that it had no new information not available to Figure Lending before offering me a PROMISE of a quote for a rate for a loan.

This fraudulent advertising damaged me in the following ways : 1. I was damaged by providing private and detailed information based on the offer they made. This PRIVATE date has monetary value. They are in possession of MY information, but did not fulfill their obligation in return.

2. I was damaged by taking time to fill out the form based on their request. My time is valuable, but based on their fraudulent promise, I gave them my valuable time.

3. I was damaged because they actually did access my credit score, and damaged my credit score in the process. Their " Adverse Action '' letter indicated they accessed credit reporting agencies and declined in part because there were too many applications for credit on my credit report, their application for credit included. Further, they reported that my loan application was declined, making it more difficult for me to obtain a loan elsewhere.

4. Because of they FRAUDULENTLY broke their promise not to impact my credit score, I will now have to pay 24 % to credit card companies on {$60000.00} worth of debt, when the national average heloc loan is 9.37 % ( according to bankrate.com, as of XX/XX/scrub> 2024 ). Thus I am paying an additional 14.63 %, or {$730.00} per month ( or {$8700.00} per year ) for the next 7 years that I would not have to pay if I obtained an average Heloc from Figure Lending or any other lender that will decline my application due to too many requests for credit information.

This fraud is illegal. It is damaging. And it should be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Transunion to remove XXXX off my credit.
Product: Money transfer, virtual currency, or money service

I was scammed by a person and he took {$100.00} from me saying he would pay it back so he told me to paypal the money to his 'accountant '.
Product: Credit card or prepaid card

I refinanced my home in XX/XX/2022. I decided to pay off my credit cards. Bank A is Barclays Bank. The title company mailed me a copy of my motorized loan docs along with a check made out to Bank A for the amount of XXXX. I mailed out the check along with a note to apply the check a

mount to my Ban k A Credit card account. After a week I went onto Bank A website and noticed that my account had not been credited. I called my loan officer. He called me back telling me that the check cleared - the title company has a copy of both the front and back of the check. He sent me copies of the check. He also gave me the date and time the check was received and processed. I called Bank A s customer service.After talking to numerous people I opened a CASE regarding this issue of loss of payment and applying the deposit to my my credit card account. I was told they will look into it and that I must pay the min each month until this case is resolved. Also I was told this will be resolved within 2 to 3 business cycles
Product: Debt collection

I am unsure what this debt letter is about. I received this request from a previous 3rd party collection agency " XXXX XXXX XXXX '', and now from 'Hayt , Hayt & Landau P.L . '. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
DECLARATION : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. 

Name and address of alleged creditor. 

Name on file of alleged debtor. 

Alleged account number. 

Address on file for alleged debtor. 

Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification that this debt was assigned or sold to collector. 

Complete accounting of alleged debt. 

Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for HAYT HAYT LANDAU P.L. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.

Furthermore, I am exercising my rights per USC 1692c ( 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 ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In credit XXXX  app, XXXX still has not updated my waypoint recourse acct. on XX/XX/19 I paid full balance of {$100.00}. XXXX  still has derogatory remarks Im trying very very hard to fix my credit
Product: Mortgage

Fay servicing took over XXXXXXXX XXXX who had my loan as of XXXX XXXX. I didnt receive note till afterXX/XX/XXXX Had already sent XXXX payment to XXXXXXXX XXXX ( didnt receive a bill from XXXX XXXX for XXXX did receive a bill from XXXXXXXX XXXX ) received a notice from XXXX XXXX XXXX a late payment For XXXX payment told them I paid it to XXXX XXXX  XXXX XXXX ask for proof that I paid it so I sent them a copy of my bank statement showing that I paid XXXX mortgage and it was on time. XXXX XXXX claim since they did not receive it I owe it. There is also a link stating that they can go back 60 days. Im within the 60 days. I showed proof that I paid it. Meanwhile, I cant get another loan due to the fact, they have me as a late payment and is charging me interest, it clearly says that 60 days will not be charged interest or late fees. Shellpoint mortgage again a copy of my payment. They are still looking they also said that I did pay and sent it over. all Im getting from Fay servicing five day search not found not paid due to the fact they have not received the money. to which I did pay thank you.
Product: Credit reporting or other personal consumer reports

My credit report shows a collection was opened on XX/XX/2023. The collection agency is Credence Resource Management. The original creditor is XXXX XXXX. This is the second time this year XXXX XXXX has done this. The first attempt was resolved as the company made a mistake. Ive never done business with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called them and they said they cant do anything about it and I have to continue to wait until they feel like removing it from my report. Its already been XXXX years so Im not sure how much longer itll take for it to be removed. It is now showing as derogatory on my report and it needs to be removed immediately. This account is closed and was paid in full I dont owe anything to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Loan servicer XXXX failed to acknowledge my documented financial hardship due to XXXX as I was unable to my my loans and was looking to reasonably defer them. Regardless, I had also moved and was trying to update my contact information to get status of my loans by mail, however upon attempt to contact by phone, nobody was able to review and change my loan information. My email address had changed because I no longer had access to my school email. As I was experiencing my hardship due to XXXX, the loans apparently defaulted and I had no way to access nor was I in any condition to deal with it due to XXXX. Now that they have defaulted, not only is the lender reflecting late payments but the reflection on my credit is a double reflection of default on both servicers, both the original, and the lender, which there should only be one or the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to 2 accounts that I have with XXXX   XXXX. One account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX  and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX lowered my credit limit on my XXXX XXXX account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by XXXX.
Product: Credit reporting or other personal consumer reports

I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so XXXX lead me to pursue legal action. 

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Apr XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report perXX/XX/XXXX 
On XX/XX/XXXX, COMENITYCAPITAL/XX/XX/XXXXadd a hard inquiry on my credit report per XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15 U.S.C 1681 section 602 A. States i have rights to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( A ) ( 5 ) Section 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 which antedates the report by more than seven years 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.