23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had purchased a sears credit protection plan effective date XX/XX/1998 with group policy number XXXX and XXXX with certificate number XXXX for account number XXXX would cover my balance my account if I get unemployed or XXXX. unfortunately I became XXXX and I notified the insurance company what just happened and become XXXX. and next thing I know I have a collection agency after me.
Product: Credit card

In XXXX, I applied for and was approved for a Citi XXXX XXXX Credit Card. On XXXX XXXX, 2016, I received an email reminder because I had n't yet activated my card which ended in XXXX. On XXXX XXXX, 2016 I received a second email from Citi saying they received the credit card back in the mail as returned. I own a single family house on a major road. It is XXXX XXXX XXXX. I called Citi on XXXX XXXX, 2016 and informed them of the email and that I had n't received my card. The representative told me he would send me a new card. Just to be safe for security, he would close my account and send me one with a new number, ending in XXXX. On XXXX XXXX, 2016 I called Citi as I still had not received a credit card. They told me I had permanently closed my account on the XXXX of XXXX and would not be getting any credit card. Over the course of 2 hours and 15 minutes I was transferred to 7 different representatives as they tried to reopen the account or issue a new credit card. I refused a credit check since one had just been performed in XXXX, the account was permanently closed by a Citi representative inadvertently, and it hurts my score every time a check is performed. I was unable to speak to a supervisor. Reasons given included it was outside their working hours ( no working hours listed when I asked if I could call back ), all on the phone and unable to hold for them, there are n't any supervisors, they do n't have phones. By the end of the call I was told my account would be reopen within 24-48 hours of my XXXX XXXX call. On XXXX XXXX I called in to check the status. There was no update. Again I requested to speak to a supervisor - no dice. 
On the afternoon of XXXX XXXX I received a bill in the mail for the second credit card that was never shipped for {$0.00}. I called in again and was informed that there was no status update after 9 days in regards to the account being reopened but that a supervisor had indeed reached out and called me earlier in the day. I did in fact have a missed call from an unlisted number from XXXX XXXX, no message was left, and the number does not allow call backs. The representative stated only a supervisor could reopen the account and they were doing everything they could. The representative could not place me on hold for a supervisor and could only put in a request for a supervisor to try again in a few days. How is one call without leaving any message or way to contact them back over 2 months doing everything they can?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has our XX/XX/2018 mortgage status listed as 30 days late, however, it should be current status since we paid on time.
Product: Credit reporting or other personal consumer reports

I never signed up for their service, suddenly out of the blue they started charging me for their subscription. On top of that ; they are practically impossible to reach, I tried calling but keep getting sent in circles. I am also not able to remove or change my credit card from their website
Product: Credit reporting or other personal consumer reports

On or about XX/XX/year> I contacted a financial institution to apply for a new credit card. I went through the pre-approval process on line and was declined due to my credit bureau files being frozen. I contacted all 3 credit bureaus, XXXX and XXXX responded with no problem. Experian did not. I have called there customer service phone many many times. There automated answering service would not give me access to a live representative. I have tried to use the forgot user ID and password to reset with there response being my date of birth and My social security number do not match, this is not accurate. On XX/XX/year> I sent Experian a letter detailing my access problem and requested a representative contact me, this also has not happened. Im very frustrated with there lack of response.
Product: Debt collection

In this complaint, am writing to file a formal complaint against caine and weiner for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. It has come to my attention that caine and weiner placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute this alleged debt. I allege that Caine & Weiner, a debt collection agency, is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. The date on my consumer report indicating that I opened an account with Caine & WEINER XXXX XXXX for {$170.00} is blatantly false. I neither received any services or products from Caine & WEINER nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 
Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) I was not provided with a meaningful opportunity to dispute the debt before Caine & WEINER reported it to the credit reporting agencies. Violation of 12 CFR 1006.34 ( b ) ( 5 ) In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Caine and Weiner provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Caine and Weiner is unable to produce this documentation, I demand the immediate deletion of the account from my credit report.
Product: Credit card

his account is reporting inaccurate information on my consumer report. I have disputed this account with the company and they have failed to do a proper investigation. This account is being reported on my consumer report without my consent and causing me financial harm.
Product: Debt collection

I got a call from USCB CORPORATION and they said they have legal documents for me if I did n't pay on a debt that I owe. They claim that I owe XXXX and the original creditor is XXXX XXXX. I do n't recall a such thing as I attended a accredited college at this time. The person was rude and demanding that I pay up to stop legal actions against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently reviewed a copy of my credit report and noticed that my personal information is incorrect and needs to be updated as soon as possible. The Fair Credit Reporting Act states that all information listed on a consumer 's credit report must be accurate and complete. 

My legal name is XXXX XXXX, this is the only name that should be listed on my credit file. Any other listings that have been placed on my credit file please remove as soon as possible, correct and update my name. 

My employee is XXXX XXXX XXXX, please remove any other listings you have placed on my credit file. Please update my employment history as well. 

Please delete the address XXXX XXXX XXXX XXXX, Georgia XXXX. This address is incorrect. My correct address should be listed as XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Please promptly remove and update my correct historical data. 

Sincerely, XXXX XXXX
Product: Debt collection

Affirm sold my debt to XXXX XXXX and I made all of the payments and paid this debt off completely on XX/XX/XXXX! Affirm is still reporting that I owe a balance of {$690.00} and is negatively impacting my credit! I am unable to buy a home because of this! Affirm reported this balance again this XX/XX/XXXX! The debt has been paid in full for over 4 months now and I am now going to rake legal action against Affirm if this balance isnt removed from my credit IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from EQUIFAX associated with XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on 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 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, EQUIFAX has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as Marchisio v. Carrington Mortgage Services, Henson v. CSC Credit Services, and Johnson v. MBNA America Bank, NA. 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit card or prepaid card

The company closed the account in XX/XX/2016 and never ask me for anything. The last few weeks I start getting some phone calls from collections agency regarding the debt but I never received any notification that my debt was in collection. I getting harassment calls and settlement letters. I have to block all the unknown numbers and XXXX from my phone to be able to keep doing my own work.
Product: Student loan

I have been paying {$670.00} since XX/XX/XXXX. Prior to that, I had been paying more than the monthly payment when I found out that none of the overpayment was going to additional principal, but instead was going to future payments. To my surprise, my current statement for XX/XX/XXXX still carries the same principal Balance from over two years ago. Apparently, I have been making interest only payments, and none of the required payments have been going toward principle.
Product: Checking or savings account

Capital One had a tech issue and is not giving me my direct deposit. This has been going on since Tuesday and there has been no ETA, meanwhile I cant buy groceries or pay bills. Completely unacceptable. 

No response from the company other than bots on social media. Finally got a very generic response LATE LAST NIGHT even though its been going on for over XXXX hours. 

I need my money. Even if this gets fixed before I get a response I dont care. I want this on record that I will never do business with them again. We are suffering right now, even my emergency and savings are with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owned and lived in my own home for 27 years. I have never heard of this company. After the shock of seeing this on my reporter, I tracked down this company and learned it is notorious for filing false credit claims and then shaking down the victim for money to remove it. What a sore lack of integrity on the credit bureaus for allowing such a corrupt and transparent scheme. This company has has apparently been the subject of multiple lawsuits and have included links below to some of the sundry of complaints against them that date back several years. This is an absolute egregious violation of the FCRA and it's outrageous. I demand this claim immediately be removed and that this complaint along with its attachments is immediately posted in this matter. XXXX removed it ( I think ). XXXX claims they verified it. There's absolutely no way this account/claim could have been verified! It's false. I have not applied for any credit for several years.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report recently and I noticed there were multiple inaccuracies. 

I contacted Experian, XXXX, and XXXX via telephone and by mail to dispute these unauthorized accounts. 


US Department of Education US Department of Education US Department of Education Dept of ED XXXX XXXX 15 USC 1681 section 2, states I have a right to privacy regarding financial information. 
According to my credit report, these entries related to these student loan accounts violate my rights to privacy. I would like to draw your attention to the Gramm-leach -Bliley Act, which mandates the protection of consumer financial information held by financial institutions. The inclusion of inaccurate XXXX loan information on my credit report not only violates privacy rights but also potentially violates the provisions of this Act. 
15 USC 1681 section 2, also states a consumer reporting agency can not furnish and account without my written instructions.
Product: Debt collection

I am writing to express my grave concerns and to file a formal complaint against Capital One concerning an account under my name, specifically the Capital One XXXX. 

Overview of the Issue : In XXXX of XXXX, after receiving communication about outstanding debts, I promptly sought legal assistance from the XXXX XXXX XXXX ( XXXX ) with the understanding they would help negotiate and settle the debts on my behalf. 

However, what followed was a series of unexpected and distressing events : In XX/XX/XXXX, I was informed that my case with XXXX was being transferred to XXXX XXXX. 
In XX/XX/XXXX, I was served with court documents from Capital One, claiming I owed an amount of {$5100.00}. Fortunately, XXXX XXXX responded to these documents, effectively placing the legal proceedings on hold. 
To my surprise, my case was then transferred to XXXX XXXX XXXX. I've found XXXX XXXX to be acting in bad faith, demonstrating a concerning lack of communication and transparency. I am in the process of filing a separate complaint against XXXX XXXX XXXX with the XXXX XXXX and Attorney General due to their unsatisfactory conduct. Also in contact with a lawyer regarding bankruptcy, due to my business needs as a small business owner I make almost no money myself and qualify for bankruptcy in this case. Though I would prefer to settle my debts for an amount that feels alright for everyone. 


Current Situation and Plea for Intervention : Due to XXXX XXXX XXXX 's questionable actions, I am now without any legal representation for settlement unless I find someone else, but for now I am facing increasing pressure from Capital One. 

It deeply concerns me that, as a consumer who took proactive measures to address a financial situation by engaging a law firm, I am now in a more challenging position due to the actions of the legal entities that were supposed to help.
Product: Credit reporting or other personal consumer reports

Request for accurate documentation provided that this debt is currently mine.

Reached out to the company to assist in the matter of this repo. It has provided damage to my credit score affecting my day to day, as well as my livelihood. Company was unprofessional and unable to provide me with accurate information regarding a contract.
Product: Vehicle loan or lease

Loan was paid off on XX/XX/2019. There was approx {$120.00} over payment to be refunded. I have called several times to resolve and have them sent, but they still haven't complied. XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX, Ne XXXX American Credit Acceptance XXXX XXXX XXXX XXXX , TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX XXXX bureaus have failed to correct errors in their reports within the allotted time.

1. debt collection report : fraudulent report. Previously deleted/removed for that reason. A new company is reporting the same item with its new personal date.

I only have contact with a mail service in Texas.

1a. Not mine, also, the statute of limitations for an action on the stated ORIGINAL item is 2 years ( texas ). By which it must be removed.

2. XXXX is not my name. remove it. Crossed accounts?

3. XXXX is not my telephone number. remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off a collection account with Vance & Huffman in 2021. When I paid the account, the rep said the information would be removed from my credit report. At this time it is still on my report. It also shows an open date of XX/XX/ 2021. That is simply the date Vance & Huffman bought the account. The actual age of the account is several years before that. Since the information is incorrect, I would like Vance & Huffman to remove the information from all 3 credit agencies as they said they would do when I paid it originally.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Worked out an agreement with American Express to make payments on a balance and they told me they would not report the account to credit bureaus monthly as late payments during the payment agreement but they report as 180 days late for over a year when making payments as agreed.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a home back in XXXX I dealt with mortgage forward with XXXX XXXX XXXX I thought. I was giving a 100 % modification due to the program that President Obama at XXXX XXXX XXXX XXXX I didnt know that my 80 % and 20 % mortgage which was XXXX parts were not included in the modification only the 80 %. I was contacted on the 20 % and XXXX from XXXX XXXX XXXX I told them to show me proof .of the note they disappeared! I had another company contact me in XX/XX/XXXX XXXX XXXX  they said they owned my second mortgage and they was going to take my home .. I told them I was going to file criminal charges. They disappeared. My dad and my little cousin like a brother to me passed in. XXXX. I was trying to get a loan for Mr cooper and it was denied the entire problem started then now we are dealing with Coronavirus 19 .. I loss wages before this .. I have a small child. And now theyre trying to take my home and my income was just getting better.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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