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

My credit reports generated by XXXX and Equifax on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of XXXX. HIgh Balance, XXXX activity and XXXX. Last payment which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High Balance {$0.00} {$3100.00} Last activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed. 
My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late purpose.
Product: Credit card or prepaid card

Discussion with Chase : On XX/XX/XXXX, I called Chase Credit Card at XXXX XXXX and explained why I'm disputing the credit card charged on my credit card. I believe I explained to Chase in detail the nature of my complaint, and the individual I talked to told me to have my complaint/dispute in writing, so therefore, Chase will send me the form and instructions on what type ( s ) of documents I need to submit to process the claim. 

On XX/XX/XXXX, I did received the form and on XX/XX/XXXX, I faxed the form and supporting documents. 

On XX/XX/XXXX, I called Chase and ask to find out if may documents where received. The Chase employee I talked to ( XXXX ) told me that based on my claim, they can't contact the merchant and Chase will not pursue any action ; therefore, closing my complaint/dispute. I asked to talk to the Supervisor ( XXXX ) and I was told the same information. 

I told them that it was very frustrating that I wasted my time waiting, completing the form and sending required documents, as well as making copies and faxing back to Chase at the 888 number provided. 

Nature of my Complaint/Dispute : On XX/XX/XXXX, I rented a van through XXXX XXXX but doing business under XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, HI XXXX. When I picked up the van the gas was almost empty ( 1/4 ). Usually, when you rent a car, the gas is full. Initially, I demanded that they put a full tank of gas since it is very difficult calculate the exact amount of gas at 1/4 when you return. The agent at the rental place indicated that either I take the van or not since they are very busy and has no time to put gas. Later he compromised and said that is I return the rental with more than 1/4 of gas, I will be given a refund. Obviously, this was all verbal, as I can't commit him to put his statement in writing. The van was returned after hours with 3/4 gas, so I called the next day ( XXXX XXXX ) and left a message but never returned my call. Called the next day, but again, never returned my call. 

On XX/XX/XXXX, I called airport location ( XXXX XXXX ) and told to contact the manager ( XXXX ) at XXXX XXXX. Left messages but may calls were never returned. 

With no other recourse, I called Chase to complain/dispute the credit card charge.
Product: Debt collection

I requested for the company to send me a copy of the original contract bearing my name on XX/XX/2019.  The company only sent me a copy of bill from LVNV Funding, which is the same collection company as Resurgent Capital Services. The has yet to send me a copy of any contract from the original creditor with my signature agreeing to the alleged debt.
Product: Credit reporting or other personal consumer reports

My rights were violated for XXXX  years by this reporting agency, which failed to cease negative credit reporting under the Heroes Act of 2020. The Heroes Act provided protections against such reporting during the duration of the Nationally declared disaster, COVID-19 Pandemic ( XX/XX/XXXX - XX/XX/XXXX ). 

The Heroes Act expanded relief during the pandemic and the FDIC, OCC, and Federal Reserve identified ways to assist struggling consumers such as myself, through repayment accommodations. Accommodation included : Extending payment due dates, deferments, and forbearance, none of which was offered to me. I should have not only received protection from negative reporting plus ( XXXX ) days but offered a chance to repay past due balances in equal payments. For debts greater than {$5000.00}, I should have received a XXXX repayment term but instead have seen complete sabotage to my credit history. 

I agreed to settle just for the sake of avoiding debt collectors who called me everyday until payment was received, which was also a suspended practice. Every creditor with negative payment remarks and reporting in my credit file was in direct violation of my rights and this Credit Bureau assisted them in doing so. The negligence has cost me my financial standing and peace of mind. I am not a representative of a credit repair agency, I do not dispute that the accounts belong to me, I am simply an upset consumer appalled by the mismanagement of information and influence during such a dark period in my life.

I have attempted to resolve this issue at the lowest level possible. Rather than meaningful results, I am faced with intimidating language about the FCRAs rules on Legitimate disputes, a fluffy response that has nothing to do with my claim, or a you are a credit repair agency because there is no way this XXXX  veteran could possibly know how to research legal topics. It is unfortunate that all this Bureau must do is type jargon and it suffices as a real response, case closed by the CFPB. I will not let this error continue. I want one of the options proposed as a solution selected and typed in a response. This way I can confirm I am not speaking to an autobot, which is the tone of all responses coming from the bureau.
Product: Debt collection

XX/XX/XXXX Company : Account name : XXXX XXXX Account type : Credit Card Account number : XXXX Amount reported on XXXX credit report : {$13000.00} Date opened : XX/XX/XXXX I am writing this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 g. Sec 809 ( b ) that your claim is disputed, and validation is requested. The statue on this debt has expired. 
This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following What the money you say I owe is for? 
Explain and show me how you calculated what you say I ow. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgement. 
Provide me with proof that I entered into a contract with your collection agency or your law firm. 
I am requesting Assignment Contracts. 
Copy of the original contract bearing my signature that I signed on for this debt. 
Payment history from the original creditor that show payments. 
I want the name and address of the original creditor. 
I want proof you either own or were assigned this debt. 
I am requesting an assignment contract. 
If your office has reported invalid information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Credit card or prepaid card

Reopening complaint XXXX Company responded would send paper bills, never received paper bills or letter that they attached here. Still getting emails stating my statement is ready. Have not been able to pay now for 3 months. 20+ harassing phone calls a day asking for money, 10+ emails trolling asking to log into my account to pay which is what started this complaint and now putting on credit scores no payments. This company is a scam and the person that responded is a liar.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. My name is XXXX, and upon reviewing my credit report from Experian, XXXX, I have identified several credit inquiries that I did not authorize, which have negatively impacted my credit score. I am concerned about the potential for identity theft or fraud. 

Here are the details of the unauthorized inquiries : XXXX XXXX XXXX XX/XX/24 XXXX Federal Dated XX/XX/24 XXXX XXXX XXXX dated XXXX, XXXXXXXX XXXX  XXXX dated XXXXXXXX XXXX XXXXXXXX XXXX dated XXXX I did not initiate these inquiries and I have no relationship with the entities listed that would justify these hard pulls on my credit. 

I have already contacted XXXX to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report as soon as possible. 

I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile.
Product: Debt collection

On XXXX XXXX, I made the horrible decision to have a one time visit for a fully covered annual well visit with XXXX XXXX XXXX XXXX XXXX with XXXX XXXX which was an unpleasant experience. This was my one and only visit in XXXX due to Covid-19. However, XX/XX/XXXX, a collection randomly popped up on my credit reports with an original creditor of XXXX XXXX XXXX in which I have never received any bills or communication from nor have I even had a visit with furthermore for XXXX. I have XXXX XXXX account in which I have only received statements for a XXXX balance for the one visit I had which has been paid. This company placed a XXXX balance that they never made me aware of nor provided an opportunity to dispute or pay but just placed in collections which is not acceptable. To date, I have not received any notification from XXXX indicating a {$52.00} balance, any statement or communication in the mail from the original creditor or agency they placed the alleged balance with that it exists outside of placing it on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XX/XX/XXXX and shortly before, I experienced significant financial hardship and reached out to XXXX to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XX/XX/XXXX. I did not know of IBR, and I thought that I was okay ( according to the XXXX Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ). I believe, that if I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of XXXX 's exceptional customer service that I received recently. I 'm hoping that XXXX understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XX/XX/XXXX. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.
Product: Debt collection

American Express continues to ding my credit report for delinquent account, sometimes multiple times a month, even though a settlement has been reached and payments are being made pursuant to the agreement.
Product: Credit card

Last year I had a dispute with XXXX XXXX charging my card. I had to contact CFPB and it was resolved. A year later on XX/XX/year> US Bank allowed XXXX to charge my card my card again.
Product: Debt collection

XXXX XXXX XXXX Unity Asset Management XXXX LLC XXXX XXXX XXXX XXXX ( this is the number that comes up on caller ID ) A XXXX XXXX keeps calling me. threatening me saying im in refusal, when im ill with XXXX and cant talk this is the number that he says to call back XXXX please have them stop!!
Product: Mortgage

OCWEN took such a hostile, surprise attack on my home loan in good standing, bank owned it after accepting {$5000.00} XXXX incentive applied to principal for never being late on loan payments and {$760000.00} XXXX funds, such a hostile act that the public has trouble understanding it. People ask me if I 'm SURE I did n't miss a payment ... .they do n't want to believe a bank would do this. The shock caused me to be XXXX for several hours, which was horrifying because I am the XXXX for a very XXXX young man. I have attached the details about how LONG Ocwen is taking to make the repairs they promised to make. Rather than accept that the way they demolished my credit with XXXX was the reason it was difficult to restore, they simply blamed XXXX like they had previously blamed XXXX. It was OCWEN 'S fault it has to be repaired in a certain way ... due to the unusual way OCWEN removed the trade line from XXXX, within the context of a simple XXXX Dispute dated, XXXX XXXX, XXXX which simply asked if they could show I had always paid my home loan on time since XXXX XXXX, XXXX. Ocwen 's response was vicious and impossible for XXXX to make sense of because they had no way of knowing it was just part of a blitzkrieg of harsh actions Ocwen was raining down upon me and my XXXX son XXXX. XXXX it was presented only as a response to my request to have more of my perfect payment history showing. Ocwen 's attitude about correcting the damage they created has been to blame XXXX In the meantime my son is getting sicker while we wait to resolve these issues so I can get a loan XXXX. He may be XXXX by the time Ocwen resolves the damages they caused.
Product: Debt collection

XXXX XXXX XXXX has called me and my workplace multiple times throughout day and refuse to stop. Debt was paid in 2008 and has evidently been sold repeatedly and more fees tacked on. They are also threatening whoever answers phone at workplace to deliver messages. When I called XXXX XXXX XXXX they denied calls and said it was delivery service and not them yet that is how I got their number and reference number.
Product: Credit reporting or other personal consumer reports

Subject : Repeated Reinsertion and Failure to Investigate Unauthorized Account on Credit Report To Whom It May Concern : I am submitting this letter to formally request assistance with an ongoing issue regarding an unauthorized XXXX XXXX account ( account number XXXX ) that repeatedly appears on my Equifax credit report. I have disputed this account on XXXX separate occasions, and each time Equifax initially removed it from my report. However, XXXX XXXX continually reinserts the account without providing me with a required reinsertion notice, and Equifax has not conducted an investigation, as mandated by law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Equifax is required to notify me within five business days of reinserting any disputed account. Equifax has not provided such notification, leaving me unaware of the repeated reinsertions until I review my credit report independently. This lack of notice is a direct violation of my rights under the FCRA.

Furthermore, Equifax has not conducted any investigation of the reinsertion as required by 15 U.S.C. 1681i ( a ), which mandates that a consumer reporting agency must conduct a reasonable investigation when a consumer disputes an account. Equifax 's failure to perform this basic duty has deprived me of the opportunity to verify the legitimacy of this disputed account, which I maintain is fraudulent. 

Additionally, as this XXXX XXXX account is the result of identity theft, Equifax is obligated to block this account from appearing on my credit report once I have provided sufficient documentation. According to 15 U.S.C. 1681c-2, a consumer reporting agency must permanently block information stemming from identity theft upon receiving a police report or affidavit. I have submitted this required documentation, yet Equifax continues to allow the account to reappear.

Given these serious violations of the Fair Credit Reporting Act, I am requesting that the CFPB enforce Equifax 's compliance with the following : Proper notification of reinsertion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

A thorough investigation of the disputed account in accordance with 15 U.S.C. 1681i ( a ).

Immediate and permanent blocking of the account per 15 U.S.C. 1681c-2 due to identity theft. 

Thank you for your attention to this matter. I appreciate your assistance in holding Equifax accountable to protect my credit and prevent further harm from this identity theft..
Product: Credit card or prepaid card

I called them. Told me closed account due too inactivity. But it's a credit for dental office. Did not use credit due too corona viruses and offices closed at that time. They hurt my credit score. Like them too remove closed account. Or give me the credit back. I'm on XXXX going thru hardship too
Product: Checking or savings account

I have had a checking account with Capital One for several years. I have used their XXXX XXXX service without an issue until this past XXXX and XXXX. 

This past XXXX I noticed that my gas bill had not been credited for the XXXX and XXXX payments ( {$110.00} and & XXXX ) although Capital One had debited my account. 

I called Capital One to find out what had happened to the gas company payments. They had assured me the payments were made electronically. 

I then called the Department of Public Utilities ( DPU ) who claims they have never received electronic payments from Capital One or their processor XXXX. They received paper checks and if I can provide the front and back of those checks the issue would be resolved. 

Capital One continues to send a report but no copies of the check. 

I need someone to help me get to the bottom of this. I feel that I had contacted with Capital One to make these payments and PROVE THEY WHERE RECEIVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am very upset you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent several letters, it's been over 60 days. I need these accounts deleted or updated. These are the items I demand be deleted immediately : XXXX/opened XXXX $ XXXX reporting twice misleading false reporting unverifiable and inaccurate reporting. This account is a duplicate which is a FCRA violation XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX {$8500.00} XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX NAVY FEDERAL Date of inquiry XX/XX/XXXX
Product: Credit card

I had a Bank of America Credit Card with a credit limit of more than {$60000.00}, but for more than XXXX, or perhaps even XXXX years, I repeatedly received promotional offers in the mail for Cash Advances. I called BoA numerous times, and they agreed to stop mailing me the Cash Advance promotion offers. They ceased mailing them for about XXXX or XXXX years, but then resumed sending them afterward. Left with no other option, I closed my previous credit card with a credit limit of more than {$60000.00}. Unfortunately, over the last XXXX years, they started sending me promotional offers again, this time for Bank of America Visa credit card applications. I have officially opted out of receiving any promotional offers from any credit card company. BoA 's behavior is unprofessional and potentially illegal.
Product: Debt collection

ACCOUNT # : XXXX ***THIS ACCOUNT WAS ESTABLISHED WITH XXXX THEN SENT TO PERITUS PORTFOLIO WHO HANDLES THEIR BANKRUPTCY-COMPLAINTS HAVE BEEN EQUALLY MADE BETWEEN THE TWO COMPANIES**** I was told by XXXX & Peritus Portfolio , that I needed to bring my account current to receive a two-month deferment. I paid the amount they stated to bring current in XXXX. Then received a unprofessional, rude call from XXXX XXXX Peritus Portfolio stating yeah, we got the payment but your past due. I then contacted XXXX manager XXXX XXXX, and he stated to me. " Well, this is what we came up with. I have strong armed repeatedly on this acct, I have requested audits, I have sent in proof of payments with bank statements and NOT received credit-told I was however payments continue to increase not decrease, Now, this-we all understand how deferments work and yet they just keep taking my monies not honoring laws, GAAP or their own arrangements. I need help getting this account audited and payments posted correctly-the accounting records, payment history is insane-XXXX sends ledger and payment history to Peritus Portfolio ( they handle XXXX BANKRUTCY CASES-yet their records do not match-payments may show on and not the other and vice versa-upon years of trying to get resolve - I just receive rude responses, going over the payments BUT know updates or answers to the unposted payments, the request for acct. to be audited, answer to mismatched ledgers and etc. Now, the most absurd thing-this deferment-I had to pay CURRENT to receive the two-month deferment-I paid it in XXXX & in XXXX-they contact me and state I am 2 months behind and reflect this in the payment history-HELP ME! I have attached the liaison between XXXX to Peritus-manager XXXX XXXX email correspondence about the deferment, yet they are harassing me, threatening rep and stating account is still delinquent. ACCOUNT # : XXXX
Product: Debt collection

XXXX XXXX erroneously charged me for a 2nd account when I moved in 2017. They then turned me over to Credit Protection Association of XXXX TX, a collection agency. I disputed the charge with XXXX. CPAssoc & XXXX. 
I paid my last bill of {$170.00} on XX/XX/2017 for XX/XX/2017. Then paid {$33.00} for the 1st week of XX/XX/2017 after I moved. 
XXXX screwed up by shutting off my service 5 days early - on XX/XX/2017, so they opened a new account for the next 5 days.These unpaid charges should have never existed. 
The collection agency refused to discuss the problem. XXXX   evidently contacted only the collection agency.
Product: Checking or savings account

I have paid a closed acct from Bank of America and its reported the XXXX  and XXXX XXXX XXXX but it comes up as fraud .. I would like it changed from fraud to abuse so I can continue banking. I dont need it removed I just need the reason changed