23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018, I XXXX XXXX contacted Customer Support via email ( XXXX ) and phone ( XXXX ) and spoke to Mrs. XXXX XXXX requesting information in regards to a debt owed to XXXX XXXX XXXX XXXX . Mrs XXXX was unable to provide me with specific contact information, so I request to speak to a supervisor in hope that he/she would be able to assist me further. After a brief hold, I was than transferred to supervisor XXXX XXXX. Once Mr. XXXX and I had a mutual understanding of the topic at hand, we proceeded with the issue. 

I informed Mr. XXXX that a payment plan was in place with XXXX XXXX XXXX XXXX, but after my payment made on XX/XX/2018 I was unable to access or make any further payments on the account. I also informed Mr.XXXX, that I did not receive any information or notification that the account would be transferred to Carter-Young for collections and was unable to continue to make payments as a result of not being provided the necessary account information. Before Carter -Young attempted to contact me or provide me with the necessary account information, the debt was reported and filed on my personal credit report.Mr. XXXX than informed me that Carter-Young has only had the account for 20 days as of XX/XX/2018 and that the failure of Carter-Young to provide me with the necessary information for the collection account is not his problem. I sternly requested that Carter-Young delete the reported collections off of my credit report due to their failure, but Mr. XXXX acknowledged his ability to delete the collection report but refused to except my request. After a few minutes of my continued failed attempts, Mr. XXXX became rude and began to speak over me and threatened to hang the phone up. I informed Mr. XXXX that hanging the phone up would become an issue and can result in legal matters as addressed in The Fair Debt Collection Practices Act. Mr. XXXX continued to be rude and said anything legal has to been sent in writing. I informed Mr. XXXX that it was not a threat numerous amount of times and insisted on resolving the collections issue. I informed Mr. XXXX that I am more than willing to pay the full debt within the next three months multiple times, but Mr. XXXX continued to speak over and eventually hung up the phone before the conversation ended. 

I called Cater-Young 's Customer Support line and spoke to Mrs. XXXX again asking for the call to be transferred back to Mr. XXXX 's line. She me informed that he was unavailable, but she could send me to his voicemail. Once transferred, I left a voicemail requesting his contact information and informing him that he should be receiving a written letter in the mail. I than called Cater-Young 's Customer Support line and spoke to Mrs. XXXX again asking for specific contact information. Mrs. XXXX provided me with the requested contact information, I thanked her for her help and the conversation ended. 

I would like to exercise my rights because acting overtly disrespectful as a debt collector is unexceptionable and unprofessional, especially when the consumer is welling to resolve the issue..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continued to report inaccurate fraudulent information on my credit file from XXXX XXXX for the amount of {$8600.00} I've last reached out to Experian on XX/XX/20 and since then they have dropped my score by 142 points as of XX/XX/20
Product: Mortgage

I receive XXXX from Social Security for XXXX. SSA assigned me to the XXXX Wednesday of the month, making me late on my mortgage payment all but 2 months of the year. I have called the Social Security Administration and they refuse to change it. Nationstar, my mortgagor refuses to help me. I am fined {$22.00}. extra each month because the payment is late. After I pay my bills, I have {$140.00} leftover. I can not afford late payment fees because of SSA assigning me to a week of the month that makes me pay my bills late. All other creditors understand and do not charge a late fee. Just Nationstar.
Product: Debt collection

Around XX/XX/XXXX I was alerted that a debt collection was added to my XXXX credit score. Williams & Fudge Inc. is attempting to collect re-aged debt on behalf of XXXX University. I attended XXXX ( merged with XXXX university in XXXX ) during the fall semester of XXXX. I withdrew from the school before XXXX. Maybe during the merger there was an accounting error. I do not believe this debt is correct to begin with as all student loans have been paid off and I was never contacted by the school about owing a debt over the last 10 years. My phone number and email were the same, I also had mail forwarding. If this debt is correct, why was I never contacted before? Additionally, this debt is not a student loan and therefore would be past the statute of limitations for CA and OR. Therefore trying to collect this re-aged debt is a FCRA violation. 

I have disputed this debt collection with XXXX four times. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Debt collection

On XX/XX/24 I had a debt of XXXX put on my credit report from credence resource management. A debt I never incurred at all. I placed a dispute as soon as I was notified there was a change to my credit report. The results came from XXXX XXXX that after the investigation this debt was deleted from my credit report. In the meantime this company credence resource management sent me a letter in the mail asking for a picture of my drivers license and my social security number, along with my current address. I did not return it as I knew this debt was fraudulent & if I had sent this information they would have used my personal information to say it was owed debt. This has not been removed from my credit report as yet and I want to be sure it gets deleted, as per the results of my dispute saying it will be deleted. This was a fraudulent claim to say I owed this debt. I hope this company is looked into. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had an issue with all 3 major credit agencies. Equifax, XXXX and XXXX. I've called each agency personally about alot of debt collection.I explained to them that I did not do any of this and I would like for them too remove all the debt collection on my reports. Ive sent in affidavit letters and police reports letting them know it was fraud.They all refused too assist me with this matter telling me too call all of the companies. I told the agencies this is why I'm trying too dispute with you. Equifax screwed up my account so now I don't have access too my credit file. I was on the phone with them for over 2 hours trying too see why I have duplicate credit files. They claim it was some kind of glitch in there system. Spoke with XXXX and they also said they have had issues with glitches as well. I'm so frustrated at this point I don't know what else to do but file this complaint with you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Experian and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the U.S.C 1681 602 A, States I have the right to privacy. 

These addresses, birthdates and incorrect spelling of my name do not belong on my report. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XX/XX/2022 I have already sent CERTIFIED MAIL with proper identification and proof of address to these credit bureaus on XX/XX/2022, stating to update my correct personal information on my reports.
Product: Credit reporting or other personal consumer reports

Urgent Request for Reinvestigation and Deletion of Accounts My name is XXXX XXXX, and I am writing to you regarding my credit file. I have reached out multiple times to your reporting agency concerning several violations that have occurred in relation to my records. I want to express my concerns clearly and urgently, as this matter has persisted for an extended period of time. I am a victim of aggravated identity theft ; I dont know who these entities are or how they were able to obtain my personal information. Attached to this email, you will find documents that I have sent over the past few months, which outline the specifics of the violations I have experienced. I have made numerous attempts to resolve these issues amicably ; however, I have yet to see any resolution or adequate response from your agency. This is my final attempt to address this matter before I consider pursuing further action. I kindly request that you reinvestigate my credit file thoroughly and take the necessary steps to delete all accounts that have been inaccurately reported. It is crucial for me to have my credit file reflect accurate and fair information, and I hope that your agency will take this matter seriously. Thank you for your attention to this urgent matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XXXX I placed an order on line with my credit card and was over charged so I immediately cancelled the order. I canceled the order on line, with the bank and in a chat with the company. They sent the order any and I did not accept it. They picked it up where they dropped it off 5 days later. They billed me and then credited the account for {$160.00}. I have not used the card. I was later charged a late fee of {$15.00} and {$2.00} interest on a zero balance. When I called it was doubled to {$34.00} and I could not get a response or customer service for two days. I called the third day an the bill is now {$49.00}. I am being charged late fees and interest on an account with a zero balance. An account that I have not used since XXXX. An account that I no longer use. I tried calling Citi Bank and XXXX XXXX. Each time I call they request my social security number and demand payment for a bill that I do not owe. In addition I am being charged interest on a late payment for a credit., A credit ... ..The order was canceled minutes after it was placed and the order was finally credited a month later and this company is trying to collect money on a late fee. I have documentation that I have made repeated calls both to the Citi Bank and XXXX XXXX. No results each month they add another late charge ... ..This account had a zero balance. I have a documented chat as well as dates and names of the people I spoke with at the bank. XXXX XXXX XXXX fraudulently processed a canceled order, billed me for it, gave me a credit for the full amount they delivered and then picked up and charged me late fees and interest on their fraudulent attempts to collect money. How incredibly dishonest.
Product: Checking or savings account

On XX/XX/XXXX my cellphone was stolen out of my shopping cart at XXXX in XXXX XXXX, XXXX XXXX. I had no password or biometrics on my phone to use it. All of my apps were logged into for easy access and my debit card was saved in those apps. A few days later my debit card started having unauthorized transactions. I filed two disputes and quickly was denied. Come to find out they NEVER investigated my claims and NEVER even contacted the companies. My checking account is with Chime. Dates, apps used, and amounts of those fradulent transactions are below : XX/XX/XXXX {$28.00} XXXX XX/XX/XXXX {$33.00} XXXX XX/XX/XXXX {$100.00} XXXX XX/XX/XXXX {$23.00} XXXX XX/XX/XXXX {$27.00}. XXXX XXXX XX/XX/XXXX {$67.00}. XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX {$52.00}. XXXX XX/XX/XXXX {$0.00}. XXXX XX/XX/XXXX {$26.00}. XXXX XX/XX/XXXX {$32.00}. XXXX XX/XX/XXXX {$27.00}. XXXX Timeline of events below : XX/XX/XXXX Cellphone stolen at XXXX XX/XX/XXXX Unauthorized transactions started XX/XX/XXXX Called Chime and opened two disputes. Each disputes had multiple fradulent transactions which are stated above. 
XX/XX/XXXX Chime denied and closed both disputes. 
XX/XX/XXXX I called each company involved in my disputed transactions and each company said they were never contacted by Chime and they never received any filing of chargebacks. 
XX/XX/XXXX Called Chime and filed a rebuttal to each denied dispute. I then filed an online police report. 
XX/XX/XXXX Filed a complaint with Consumer Finance online. 

Proof I have to substantiate my claims : Each transactions resulted in deliveries of orders sent to an address I've never lived at, been to, or had my billing address at. 

The two XXXX transactions even had a name on the deliveries that I'm not familiar with. 

I have screenshots of every order showing the same strange address. 

During this time I had to buy a new phone since mine was stolen. The XXXX XXXX XXXX transaction showing this is listed on my Chime checking account which proves I had to buy a new phone. 

I also received numerous fraud alert texts from Chime during this time. 

I also ordered a replacement debit card and reported it to Chime as stolen and was mailed a new card. 

Be aware if you use Chime.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
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
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally lodge a complaint regarding a transaction with WC / KOALAFI that has resulted in both defective furniture and incorrect reporting on my credit report. 



On [ insert purchase date ], I purchased furniture from WC / KOALAFI ( Loan Number : XXXX ). Shortly after delivery, I discovered that the furniture was defective and not fit for use. I contacted the company to report the issue, and they arranged to pick up the furniture. 



However, upon review of my credit report, I noticed that WC / KOALAFI has reported this incident negatively, despite the fact that the furniture was returned due to defects. This appears to be an illegal and unjust practice that has adversely affected my XXXX XXXX. 



I request your assistance in resolving this matter. I would like the CFPB to investigate this situation and ensure that WC / KOALAFI removes any negative reporting related to this transaction from my credit report. 



Thank you for your attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX received a contract for a purchase, with an Addendum that the buyer and realtor was not aware of. The addendum is forcing the buyer to use Stewart Title as their closing agent, and having the buyer pay for their own title policy, This was not disclosed by the Listing agent in the XXXX, nor was it disclosed to the selling agent for the buyers. The contract was checked that the buyer wanted to select title agent and pay for their own title policy. In normal situation, and even in Foreclosed properties, the one who chooses the title/closing agent/attorney pays for the title policy. 

The addendum that the buyers signed is deceptive because it supersede the contract choice, but failed to state that the seller will continue to pay for title policy. 

Stewart Title Company, The Seller XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX the Listing company seems to be in bed together, because this is deceptive and should have been disclosed by the listing agent and in the XXXX, including an Affiliate Business Arrangement Disclosure. I guess this is how these company do business. This is a clear violation of RESPA.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, This account was settled and paid off. It is still showing up as balanced due. Capital One employee stated that they will report it paid off and removed from all three credit bureaus. This account was closed back in XXXX and was removed off my credit back in XXXX. It keep showing up on my report.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and XXXX credit reporting agency , to block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( private ), And a personal line of credit account opened at XXXX XXXX  on XX/XX/XXXX under account number ( private ) and that resulted in collections with a balance of {$4600.00} ( private ) that appears related to the aforementioned personal line of credit account opened at XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

No company should be reporting anything on my credit profile without my consent to do so. Everything that's being reported is against my approval and has effected me tremendously while doing so and I need to be compensated for it. For every inquiry on my account that has been placed on my account due to FRAUD because I never gave anyone my consent to public expose my private information without just compensation. However A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states 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. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. and my while credit account is the evidence of the fraud by each credit reporting agencies that will be held accountable for these adverse claims against humanity.
Product: Debt collection

I have received multiple calls on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 at my employers from the number I've identified, the company is CMRE Financial Services. According to the Fair DEBT Collection Practices Act it is illegal to attempt to contact me through my employer. Along with these calls there is a recorded robo message that clearly indicates they are attempting to collect a debt from someone with my name and the robo message can be heard by any person who answers the phone, therefore this immensely puts my employment at risk and is defamation of my character and name and breaks the law in relaying private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete any negative items including late payments reported on the accounts mentioned here and other accounts which were unverified, inaccurate and false asap, namely XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Bank account or service

I have been struggling with HSABANK since XXXX 2014. Their website does n't provide accurate information about account balance, beneficiaries, and does n't allow me to transfer to my investment account to manage it. Their so-called customer service is inept. Since this is an internet bank a non-functioning website is the same as if they were closed or out of business. They do not respond to information requests.
Product: Credit card

After filing the initial complaint with CFPB. Capital One reversed a few disputes from previous month in retaliation. We filed a second complaint, capital one extended the time to solve the problem and eventually it marked as duplicated complaint and closed it. That is not acceptable and this is our final contact regarding this matter. We have reached out to the merchant for some of the disputes and obtained a result. However, the following disputes have not been resolved properly. We are informing and requesting capital One to make the adjustment before we make the payment. We are not going to elaborate on the details of these transactions again since we have spent hours explaining that to the call center representative. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the event of refusal of resolving these issues, we will take legal action for the next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a car loan with Toyota Financial Services in XX/XX/XXXX, the payments of XXXX were due on the XXXX of every month. After starting the contract with them I asked for a due date change, and we agreed on the XXXX of every month. TFS sent me paperwork to sign and I signed and sent it back. At this point the new due date is the XXXX of every month. The first payment according to the new contract with the new due date is XX/XX/XXXX. I began making my payments according to the the new agreed upon due date, however TFS has not been reporting the payment according to the due date of the XXXX, which has cause multiple additional fees and a negative credit reporting. They are being unreasonable with resolving the matter This is the second time I am trying to resolve this issue. The mere fact that Toyota updated 5 of the late payments that they were negatively reporting since XX/XX/XXXXis evidence that they make mistakes and obviously over look them for approximately 5years. Also It was mentioned by TFS rep that the statements that were mailed out had the due date of the XXXX on them, I never received the statements from Toyota because they failed to update my address as requested as well as my last name. I also would like to bring it to your attention that my XX/XX/XXXX payment is being reported as 30 days late and it is also not accurate. You guys received the payment to close the account and cash it well before the payment could be deemed 30days late. I need for the inaccuracy of late reporting to be removed and acknowledge that I had a due date of the XXXX and that TFS made a mistake Im not updating the information.