23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Yorkshire Acquisition Group has been harrassing me via phone and they have harrassed my work, my father, and my husband. They refuse to tell me what they are collecting for and what the amount is. They have claimed they will get me fired from my job, take my XXXX licenses away, and also sure me for harassment. XXXX XXXX has been pretending that he is an attorney who will be suing me and taking it to my place of employment. Also, he would not give me is address so I could send a cease and desist letter nor have they sent anything in writing telling me what the collection is for.
Product: Mortgage

Received letter from foreclosure attorney with sale date for my property XXXX. 
Foreclosure Letter dated XX/XX/2022, postmark envelope XXXX/XXXX/202. Requested from my mortgage servicer recently, and several times, additional time on a forbearance. I was told I could not get a forbearance because I had a previous forbearance of which I found out was not true. Shellpoint customer service has given me misleading information and they are trying to make me lose my house to foreclosure. My research I found I could have a forbearance up to 18 months under the Covid -19 or Hero Act. In my mortgage documents I signed at closing it states I was to be given 30 days prior to foreclosure sale date, of which I was not given. My mother who is elderly was affected by XXXX she now has terminal health issues from XXXX. I was affected by XXXX  my employer closed the business where I was employed, I lost my employment and I had XXXX too. Submitted financials and all requested information for mortgage assistance, I have not received a denial letter for mortgage assistance or my request for a forbearance. I have not received a letter from foreclosure attorney asking me to validate the debt I have made a request. Shellpoint customer service is rude, and I was told that I needed to sell my house because I could not afford it. I feel I have been discriminated against because I'm a XXXX female and a Senior Citizen.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report, reported by PORTFOLIO AND UNKNOW and reflected on my report with EQUIFAX.I do not recognize this account, and I believe it has been included on my credit report without proper authorization.

I submitted a formal dispute with EQUIFAX, requesting verification and removal of the account in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), which require that only accurate and verifiable information be included on my report. Additionally, I cited Section 604 ( 15 U.S.C. 1681b ), which mandates that all access to my credit report must have a permissible purpose.

Despite my dispute, EQUIFAX responded by marking the account as " verified '' or " updated '' without providing any documentation or evidence supporting the accounts validity. I believe this is a violation of my rights under the FCRA, as credit bureaus are required to conduct a reasonable and thorough investigation, and failure to do so can result in liability, as upheld by case law like Cushman v. Trans Union Corp.

Additionally, the actions ofEQUIFAX and Collection Agency may constitute a violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. By retaining unverifiable information on my report, they are potentially engaging in deceptive or unfair practices. This inaccurate information has negatively impacted my credit score, affecting my financial standing and access to credit.
Product: Credit reporting or other personal consumer reports

I want to contest the inaccurate reporting of an account on my credit report, which constitutes a clear violation of the law. Upon contacting the respective bank, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly removed. Under Section 611 of the FCRA, your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already removed the account from my report and so I request that you take immediate action to remove this erroneous account from my credit report in compliance with the law. 

XXXXXXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collector re-aging an account can cause serious damage to your credit files. Re-aging would allow a collection account to remain on your credit reports in-perpetuity. Take the following steps if you believe you are a victim of re-aging. 

I have Disputed this account many times and they just re-age the account. The date of first delinquency is wrong. XXXX refused to correct it, they told me to contact Portfolio Recovery because they only place whatever information they are given on my Credit File, I advised her the account was re-aged and that it is illegal for them to report it being an open account XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX SXXXX XXXX It is a criminal offence to re-age an account and I want this account removed from my Credit File Immediately they have never verified this Debt and are always stating the it was verified and accurate which is FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. I want to dispute fraudulent items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 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 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am contacting you to request the blocking and deletion of several accounts appearing on my credit report, as I am a victim of a data breach that has compromised my personal information. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate removal of any fraudulent accounts or inquiries associated with my identity. 
Accounts and Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/2021 I had a title loan with auto money of XXXX sc. I fell behind on a payment because of the pandemic and loosing my job and they called one of the references listed on my application. They pretended to be a doctors office calling about a family member that passed away that had left a living will asking for my address where I was located to send me the money the family member left in the will. I called this number back, and asked if it was auto money, they said yes, and when I told them my name, they hung up. They misrepresented their business and pretended to be a doctors office illegally for address information. I also offered to make weekly payments before the repossion happened on XX/XX/XXXX but they refused even though they were well aware of my situation and was constantly in contact with me
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 violate the Consumer Financial Protection Act ( CFPA ). My concerns stem from repeated delays, lack of responsiveness, and unhelpful interactions with customer service representatives, which have left my issues unresolved and caused both financial and emotional distress. These actions have negatively impacted my ability to manage my finances effectively.

Furthermore, disputes regarding unauthorized transactions, incorrect charges, or missing funds have not been adequately addressed despite multiple attempts to seek resolution through the appropriate channels. These failures demonstrate a lack of transparency and accountability, which are essential components of fair financial practices. I believe that these actions constitute unfair and deceptive practices under the CFPA, which requires financial service providers to act transparently, fairly, and in good faith toward consumers.
Product: Credit card

In XXXX 2016, I called my credit card provider, Barclays. I requested a credit increase in order to cover charges for my mother 's funeral. I was asked to informally state my annual household income. I told the woman {$XXXX}, which is about the same has it has been for the past 2-3 years. I was told my request was denied, without any reason why. I later received a letter stating that the request was denied because I reported my income was {$XXXX}. The woman either did not hear me or made a typo in submitting the request, leaving {$XXXX} off our annual income. This is solely based on Barclays error. I have repeatedly contacted Barclays about fixing this. After being routed through several departments over several days, on multiple occasions, I am told it is my responsibility to contest BARCLAYS ' MISTAKE with the credit bureaus by providing proof of income, tax returns, and more. Since then, my credit score, as well as my wife 's credit score, has been reduced by XXXX points. All of this based on an informal request for my income. Why is it our responsibility to correct this, when it is unquestionably Barclays ' mistake, and Barclays refuses to do anything?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 50 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 50 days gives a reason to immediately remove those items from my credit report. It has been over 50 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I sent a letter requesting that the provide me with a statement that the debt was paid and report it to the credit agencies, they have refused to.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX /2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, along with the Privacy Act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of information under 15 U.S.C. 1681b, 15 U.S.C. 1681, and 15 U.S.C. 1681s-2. 

Account Names & Numbers : 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 I never expressed a written or verbal consensus authorizing Equifax Credit Reporting Agency to publicly report my personal and financial information per 15 U.S.C. 1681b nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681 and 15 U.S.C. 1681s-2. This is an infringement upon my identity, privacy, protection, and rights. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 



15 U.S.C. 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.
Product: Credit card or prepaid card

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

CAPITAL ONE XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a small loan tradeline that I never applied for to my consumer credit file. I never authorized an account in my name with XXXX XXXX, especially a small loan with XXXX nor was I aware that an account was ever opened in my name. XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any account with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.
Product: Credit card or prepaid card

In stopping by PNC branch a few weeks ago to drop off a check, the person asked if we 'd like to obtain a lower rate on our credit cards. She said there were 0 % rates ( for intro periods ) for new accounts but also lower rates than we currently had which was 16.99 %. I did not have time to pursue this option at the time, but on XXXX/XXXX/2017, I called the number on the back of the credit card to learn more about lowering the rate or to go with another credit card lender who is offering 7.9 % variable rate with 12 months 0 % intro. The lady said she could not just lower the rate on a credit card account ( which has been done for me in the past when I 've called ). She said she could open a new card if I wanted to apply and get me another credit card, which I said I would rather just have my rate lowered because I do n't need a second card. After being transferred to three people over the span of 20 minutes, I finally was put through to a " manager '' who stated that " there are no other lower rates available '', which is a direct UDAAP violation because other people have lower rates than I do at PNC and how could she make a credit decision/pricing decision without doing any due diligence. She said she asked a co-worker who told her that all credit card rates are reviewed quarterly and if lower rates are available, PNC will automatically lower consumer 's rates. I find this hard to believe that PNC review 's rates every quarter and will lower existing credit card rates for all consumers and do not believe this is being done as I was led to believe. In the end, I was on the phone for over 20 minutes, spoke to 3 different people, was told lower rates ( 16.99 % ) are not available, told that PNC automatically reviews all credit card accounts quarterly and will give lower rates if people qualify ( which I believe is a lie ) and also refused to lower the rate on my existing account. I have worked with many banks in the past and I have always been able to negotiate a lower rate. In certain circumstances, I 've been told no and that is ok. But to directly lie to me and say no lower rates exist for PNC credit cards other than 16.99 % is a lie and to lead me to believe that quarterly PNC reviews everybody for lower rates, I believe is also a lie. I believe that someone needs to hold PNC accountable for pretending that they can not lower the rate on an existing credit card because 16.99 % is the lowest rate they offer and also to try and defer my concern by pretending that all cards are reviewed for better rates 4 times a year! My FICO score is over XXXX and my DR is well under any income threshold. This is a case where PNC is simply trying to lie to consumer 's to protect its own bottom dollar. Funny, the nice lady in the branch was advertising products that the credit card telephone persons do not know about?
Product: Credit card

BANK : CITI CARD : CITI VISA CREDIT CARD ( with COSTCO membership ) ISSUE WITH SMARTPHONE APP The CITI app for an XXXX accepts payments. 
The problem : The amount due to pay the most recent statement balance IS ALWAYS LESS than the amount shown on the statement. 
amount Opinion : If I only paid the amount shown on the " Pay last statement balance '' that is displayed on the I-phone app, I would not be paying the true last statement balance and would, as a result, incur interest charges. I have reported this previously to CITI Bank over several months but the problem has not been corrected. Therefore I am of the opinion it is a deliberate attempt by CITI Bank to force card users to pay interest even when it appears to the card user that they have paid their statement balance in full. 

On my most recent statement the printed statement balance due is {$2400.00} The app payment screen " PAY LAST STATEMENT BALANCE '' is {$2400.00}, an underpayment of {$23.00} which would result in variable interest charges of 19.74 % being applied to the entire {$2400.00}. 

I think CITI Bank is continuing this fraudulent practice deliberately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove a " settled in full '' account from XXXX XXXX XXXX. I have the supporting document showing it paid in full. 
Experian no matter how many different disputes leaves the account on with false misleading hurtful infirmation that is preventing my family from getting the help we need. 
XXXX  and XXXX  are on my side and removed XXXX XXXX because it is paid in full ... ... .. 
XXXX XXXX, XXXX Reference # XXXX completed by XXXX XXXX . Phone.XXXX Experian never even bothered to talk to the settlement agency to verify any of it. Experian has been highly negligent in the entirety of this matter. Please help.
Product: Money transfer, virtual currency, or money service

My identity has been stolen all accounts Inked to my SSN and name have been used and transferred to accounts in my name then to other account..i have not gave permission for any of this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, EXPERIAN responds quickly stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. Alos the accounts are as follows DEPT EDUCATION/XXXX
Product: Credit card or prepaid card

I asked Capital one to reduce the interest rate but they couldn't. So I paid the balance off {$6100.00}. Now they are saying I owe an interest amount of {$58.00} but I asked for a pay off amount to close the account .He didn't tell me that there would be more interest to pay on later or help by asking when I would pay the amount to not accrue more interest money. XXXX who we called and talked to, couldn't or not willing to help us because of contract agreement, even though we wanted to pay it off.
Product: Debt collection

I have made several attempts to delete the following charge off account. Equifax continues to " update '' & resolve my account instead of DELETING it because it contains inaccuracies. The account is claiming to have Past Due Balance, but as you know this is inaccurate which is a violation of my rights so as a result of that this, this account needs to be removed from my reports -- not updated but removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ; National Credit Systems reported to XXXX a debt from XXXX XXXX of {$1600.00}. 
I disputed with XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) about the validity of the debt. XXXX only listened to the National Credit Systems and repeatedly sided with them stated, the debt was verified as valid. 
XX/XX/XXXX, I filed a complaint with Magistrate Court of XXXX XXXX and the debt was reduced to {$230.00}. This debt was paid on XX/XX/XXXX. 
This debt is still posted on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN PAYING MY MONEY FOR EQUIFAX CREDIT REPORTS WHICH SHOWS MY SCORE IS XXXX WHAT IT SUPPOSE TO BE AND THE WHEN MY CREDIT UNION PULLS IT ITS IN THE 400 'S WITH NEGATIVE ITEMS. THERE ARE TECHNICAL ISSUES CONCERNING MY EQUIFAX REPORT AND THE KEEP HANGING UP ON ME I EVEN TALKED TO GLOBAL CONSUMERS MANY DIFFERENT DEPARTMENTS AND I AM TIRED OF IT. GIVING ME THE RUN AROUND.