23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have disputed something that is drastically affecting my credit multiple times, however since the company I am disputing is a paying member of this company, they simply just take their word for it. I have asked several times for them to show me documentation where i agreed and received a loan from them and they cant provide yet they are still able to report onto my credit because all three credit companies refuse to further investigate
Product: Credit reporting or other personal consumer reports

I contacted the company XXXX when i recieved an alert about the opening of the account. i recieved an hard inquiring i reached out to the credit bureau to dispute the account with trans union they told me they would investigate i never heard anything back so i followed up by calling them XX/XX/2015 and the fraud department told me the last rep didn't open an dispute. The company XXXX XXXX  XXXX i called XXXX they told me none of my information matched an that the card wasnt mailed to my home address they asked for copies of my drivers license and address and email address to verify the account. They told me it would be removed from XXXX  and Transunion and XXXX i have been getting the run around i even mailed a letter to the company address XXXX XXXX XXXX XXXX XXXX NY XXXX nothing has been removed. Please invesitgate and remove this account it was opened fradualtey
Product: Credit reporting, credit repair services, or other personal consumer reports

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

ERC has reported information to my consumer report. ERC did not produce an agreement between the said company and I that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging ERC to provide the agreement under penalty of perjury. Failure to provide such information is also considered identity theft. I've never given this debt collector any of my personal information to report to any for financial gain. Any referral that subjects me, the consumer to any prohibited under the FDCPA is also considered false and misleading pursuant to the FDCPA 15 usc 1692e ( 6 ) ( B ) Again, where is the contract between the company I? No company can collect without an agreement. I would like to bring to the company 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 15 USC 1692c ( c ), I demand ERC to cease and desist all communications including the removal of all accounts that the company alleges that I owe. The company 's failure to follow my cease and desist order will lead to the pursuit of remedy for all injuries against me pursuant to 15 usc 1692k. I will be sending my invoice along with my Affidavit of Truth to ERC stating all facts which includes each violation and the damages that you have caused me.
Product: Credit reporting or other personal consumer reports

At the end of 2022, XXXX credit card transferred to Comenity Bank. My account with XXXX was on auto-pay. When they transferred the account, they did not continue to honor this arrangement. I was not notified that my card with XXXX was closing and Comenity Bank would be taking on the account. I received a statement in XXXX that shows my account was late. The ONLY notification that I received showing that there was an issue with my account. Once notified, I contacted the company and paid the card. It is paid in full and closed. I was notified the correction to my credit report would be adjusted due to their error. I have contacted the company many times, along with filing a dispute with the credit reporting agencies. I have requested verification of the debt, along with requested copies of account history information. No response from the company. I have made multiple calls. The only response that I get is that it is being investigated. It has been 7 months since incident and no resolution. My most recent credit report now shows that, not only have they not corrected the information, they are now reporting two accounts with the same negative information. This immensely affects my credit. I have never had two accounts with them. Please advise.
Product: Debt collection

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name, XXXX, XXXX XXXX XXXX and I have been appointed and accepted being the executor both public and private for all the matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; The telephone number XXXX is associated with debt collector XXXX  XXXX  XXXX which has initiated contact with me, the consumer, via telephone communications received at my dwelling at XXXX XXXX  EST on the date of XX/XX/2021. This is a violation of 15 USC 1692c ( a ) ( 1 ) as it is never a convenient time for a debt collector to contact me. 

Also pursuant to 15 USC 1692c ( a ) they would need prior consent given to them from me to contact me, I have given no such permission orally, written, or otherwise communicated. This is a violation. 

15 USC 1692b ( 1 ) they did not call to confirm or correct address, nor did the representative identify herself. This is a violation. 

15 USC 1692b ( 3 ) I never requested to be contacted by XXXX XXXX XXXX. This is a violation. 

15USC 1692b ( 5 ) The representative used language that indicated the collection of a debt. This is a violation. 

15 USC 1692c ( a ) ( 3 ) can not contact me at my place of employment without consent from my employer. I am my own employer and my place of employment is my dwelling. I never gave my location or permission to contact me. This is a violation. 

15 USC 1692d ( 2 ) The representative used obscene and profane language in the telephone communication. Congress does not and can not define what obscene or profane language is to me, so most certainly no one else can constitute what is obscene or profane to me. This is a violation.

15 USC 1692e ( 11 ) The representative failed to disclose that it was an attempt to collect a debt. This is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Florida on XXXX XXXX, 2016 National Credit Cards/Airlines. Phone number XXXX i never applied for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit for it says I have a Macys account and a XXXX XXXX XXXXXXXX card I never had XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act theses XXXX Accounts, has violated my rights. 


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 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 Equifax Accounts 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: Debt collection

I have student loans that my mother cosigned for. They intercept my tax refund every year although I have been paying $  XXXX  / mon th also. I have not been able to pay this year but they did receive over {$1000.00} from my refund. My mother ( who cosigned ) is elderly and on SS. I am currently unemployed due to no transportation  (  very rural area ). We live together and between the  XXXX  of us (  XXXX  separate cell phones ) they call a minimum of 15 times daily. They use many different numbers. This is Transworld Systems Inc. The lady  XXXX  was abusive verbally to me when I answered several months ago. They 've been relentless since at least  XXXX . We are 100 % fed up with so many calls every day. I will not put up with being told I am a " burden on my mother '' and " need to get a job '' again. I 'm currently unable to make any payment but the ones I have add up to over $  XXXX  /month. This  company needs to stop their bullying and harrassment!!
Product: Vehicle loan or lease

Dear Sir/Madam, I am writing to formally express my dissatisfaction with the process of refinancing my auto loan and the overall customer service experience I have received from Ally. 

On XX/XX/year>, I called Ally to request an extension on my loan but was informed that it was not warranted due to a XXXX grace period. Subsequently, on XX/XX/year>, I applied for an auto loan refinancing with XXXX XXXX XXXX XXXX and contacted Ally to obtain the payoff amount, which was provided as {$40000.00} with a daily interest addition of {$10.00}. 

On XX/XX/year>, I mailed a check from XXXX XXXX XXXX XXXX to the address provided by Ally : Ally Payment Processing Center, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. However, on XX/XX/year>, I called Ally to inquire why my account balance did not reflect a paid-in-full status. The representative I spoke to did not understand the concept of a loan endorsement check, could not locate the check, refused to transfer my call to a supervisor, and eventually hung up on me. 

On XX/XX/year>, I called again to discuss the unsatisfactory customer service and the issue with the loan endorsement check. I also informed Ally that XXXX XXXX XXXX XXXX was in the process of reissuing the check. Despite this, Ally refused to accept the original loan payoff amount, added additional fees to my account, and has since placed my account in collections. 

Throughout these interactions, the customer service representatives have failed to provide their names or identification numbers, have not recorded notes in my file despite calls being recorded, and have consistently displayed a lack of professionalism and willingness to resolve the issue. 

This experience has been extremely frustrating and unacceptable. Please acknowledge receipt of this letter and inform me of the steps Ally will take to resolve this issue. 

Thank you for your immediate attention to this matter. 

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

My spouse called for her Home Depot Store credit card for adding me as authorized user. She asked them to increase her credit limit from {$500.00} to {$1500.00}. Why this credit limit is showing up on my credit profile or SSN? Called Home depot today morning. When wanted to talk to the supervisor, the call was deliberately dropped. 
Called XXXX, talked to XXXX and he is stating that they can not trace this credit alert notification at all.
Product: Student loan

I contacted the company many times and also contacted the credit report, my ex did fraudulent transactions without my knowledge and authorization, I made complaints on XXXX XXXX XXXX also, FTC report also, my divorce agreement my ex is responsible, the company never ever removed my name from the credit report also i have difficult to buy a house because this, same with evidences and complains the company never removed my name, and said I am responsible but i am not responsible the court order is very clear and also, FTC and Police report and many complaints i made
Product: Credit card or prepaid card

Payments are coming out of my XXXX XXXX Account every month but yet the company say 's that they are not getting my payment yet my bank statements show 's all the payment made and the company have been giving my credit a bad ratting. I have faxed all of my proof to the company with my bank statement 's yet the company is still going to close the account and give my credit a bad rating. total amount {$1000.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance {$800.00}
Product: Credit reporting or other personal consumer reports

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate items that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

These inquiries are on my credit report and are not mine.
Product: Student loan

In 2009 I took out my 1st private loan with XXXX XXXX. I was uneducated on how the loan system worked but needed the money to finance school. Over the course of 4-5 years I accumulated a total of {$140000.00} + in private loans. Once my graduating grace period was over I had to repay them. I put them in forbearance without proper advisement from the loan company. I was totally unaware that there was only a certain amount of allotted time for different repayment options. Now 8 years later I am being forced to make unreasonable monthly payments of $ 900+ which leaves me with no money to survive with. Most months I 'm unable to make the payment and Navient ( formerly XXXX XXXX ) is unwavering on their decision. They are n't trying to work with me at all. I have children and {$900.00} a month is a huge amount for anyone to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Number XXXX XXXX XXXX XXXX from XXXX Private Loan Trust I called XXXX several times to fix what is reported on my XXXX  and XXXX report however I have seen no results. I've made 8 consecutive payments and my account is in good standing with XXXX however, this is not reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been more than 60 days since my original request and it is illegal for this to happen. 
I sent certified mail with return receipt and first class mail. 
I have reached out several times and have asked them to verify and validate accounts that i am disputing. They responded that these accounts are accurate and verified. i reached out again and ask for a re-investigation and still after the reinvestigation it comes back as accurate and verified. The law states that- U.S. CODE In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or remove that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been deleted from the file of the consumer.

( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card offer that was sent to my email address and my name. i filled it out and then received a notice from that company denying me a credit card. Here is the issue..it was sent to my address with someone elses name on it ( my hisbands/my name combined ) it stated that my score was too low and that is the result.i have checked my credit score and my score is XXXX, not XXXX which is what XXXX XXXX stated. i contacted XXXX bank by phone and after 2 hours and 7 people they stated my ss # is under my husbands name and that they can not do anything about it and said to contact transunion llc. They have since ran an application again and i was denied again after i told them not to run it becuase it was false information. I have also went to the bank and explained the issue with my ss # card for proof that it is my number and they said to contact transunion llc.I have letters sent to my home with our combined name and denial of card. I just want his name removed from my ss # they said they have no control over that. I am very unhappy and would like this corrected. I have tried to contact transunion llc and it is a recoring only. i am unable to contect with anyone. they offer live chat and i waited for over 30 minutes and no one ever responded. Please advise. Thank you
Product: Vehicle loan or lease

I am having problems with Credit Union Leasing of America picking up my vehicle at the end of my lease. It has been 5-6 weeks since  contacting them the week of XX/XX/2020. I have been contacted by 2 tow companies via CULA, but neither have obtained the vehicle, perhaps due to the rural nature of my residence and distance from the  city. I was told that the vehicle would be obtained/secured on XX/XX/XXXX, but that did not happen either. There is no way to escalate my issue with CULA. There is no transparency or way to schedule the pickup of my vehicle.

I paid a {$400.00} disposition fee at the end of my lease. I assume that part of this money goes to CULA to manage this pickup process as well as pay for the tow service. If they are getting paid, why haven't they picked up the vehicle?
Product: Vehicle loan or lease

Opened case a year ago. This has been on my credit report for over 11 years seriously effecting my credit. It should have been only 7 years to clear it off but yet is still reporting making everything cost more.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX AND DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX I completed a refinance with Cardinal Financial Company, as a part of our agreement, I agreed to pay Cardinal beyond my mortgage also my taxes and insurance. And from my escrow account both would be paid on my behalf by Cardinal. However on XX/XX/XXXX my homeowners insurance was canceled due to non payment, I found there was a confusion with billing from my insurance and payment from Cardinal, we supposedly got it sorted out, I got a new Insurance policy and thought all was taken care of. XX/XX/XXXX I am notified by XXXX XXXX ( insurance ) my policy is going to be canceled again due to non payment, I called Cardinal and they told me they would send a overnight payment, again I thought all was well. The payment was not made until XX/XX/XXXX resulting in the policy being canceled. Summer of XXXX I received a bill from Cardinal for my normal mortgage plus fees and fines because of " lender placed mortgage insurance '' I contact Cardinal they agree to remove the fees if I get a new policy, I do so the new policy is in place XX/XX/XXXX and Cardinal made the payment XX/XX/XXXX. Since that date I have continued to get bills from Cardinal with fees and penalties related to the lack of insurance I have spoken to someone at there company multiple times a month to resolve the issue which in there terms was " Under Dispute '' with no resolve, until in XXXX I noticed they had started reporting my full mortgage payments as partial payments because they did not include the fees and fines associated with the forced placed insurance. My Credit has now dropped from 800+ to 700- because of their untimely payments. I would like my credit restored and the issue resolved. +
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax that I had someone attempting to open accounts with my information. The dispute was received but I was told they could do nothing due to my Identification information was not included. I have attached what Equifax has requested
Product: Credit card

ONCE MY ACCOUNT WAS PAID IN FULL ON XX/XX/XXXX, FORTIVA CHANGED THE TERMS AND CHARGED A MONTHLY FEE OF $ XXXX {$60.00} ANNUAL FEE. I WAS NOT AWARE OF THIS SINCE I PAID THE ACCOUNT IN FULL AND THOUGHT THE ACCOUNT WAS CLOSED. 
LOOKS THEY SENT AN EMAIL ON XX/XX/XXXX, BUT I NEVER SAW THE EMAIL UNTIL TODAY! MY UNDERSTANDING WHEN I OPENED THE ACCOUNT WITH VIVINT WAS THAT IT WAS NOT A CREDIT CARD BUT AN ACCOUNT FOR EQUIPMENT. FORTIVA CHANGED MY ORIGINAL ACCOUNT WITH VIVINT FROM A STORE ACCOUNT TO A CREDIT CARD ACCOUNT WITHOUT MY CONSENT. 

ALL IN ALL, MY CONSENT WAS NEVER GIVEN TO ANY OF FORTIVA 'S CHANGES AND THEY NEVER ASKED. LOOKS LIKE THEY JUST SENT MESSAGES AND IF YOU DID NOT REPLY THEY DID WHAT THEY WANTED WITH YOUR INFORMATION AND ACCOUNT. THIS SHOULD BE ILLEGAL. 
IT APPEARS FORTIVA ADDS ANNUAL FEES ONCE THE ACCOUNT IS PAID IN FULL HOPING THE CUSTOMER DOESN'T CLOSE THE ACCOUNT SO THE FEES SEEM JUSTIFIED. ISN'T THIS ILLEGAL?