23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services.

This is a breach of contract and an adverse action for exercising my rights.

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Product: Debt collection

A purchase an RV from SST and after a month of having the unit my husband had XXXX XXXX. I call them Immediately and told them I would like to volunteer surrender the unit. It took them 5 months to finally pick the unit Up. They sold the unit at an auction and then I had a remaining balance they wrote it off and turned it over to a collection agency I called the collection agency to try to set some kind of small payment To pay them. They would not accept any payment from Me. They said I would have to pay the whole balance which was {$15000.00}. I am on XXXX and do not have {$15000.00} in my account in they refused to take Any kind of payment from me. So now they report every month my payment is Late and add interest to it. Could you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Hard Inquiries that should not be associated with my account, If I do not or have not been officered a line of credit then they should not be pulling my credit. Please assist me as each time they do this you are aware of the cost it could impose on all of us daily. Thank you for your help.
Product: Credit reporting or other personal consumer reports

My loan was transferred from XXXX to NewRez in XXXX last year 2023, which is basically the same company. When I call their phone number, the automated service asks you to press a number to find which one. In XX/XX/year>. I paid XXXX my mortgage payment but I can't find where it was drafted from my account. Later in XXXX due to the NewRez swap, I realized I was late I made my XXXX and XXXX payment and they decided to give me a delinquent mark. The only reason the payment was late was due to their mess up! Furthermore, My credit is showing XXXX mortgage balances for the same loan under both NewRez and XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May concern : Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report : The Inaccuracies is a violation of my consumer rights. Include 15 USC 1637b consumer law that protects accurate credit reporting. 

Please remove the following from my personal information : 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 XXXXXX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

I was denied a loan by OneMain on XX/XX/2024. I never received my denial letter through the mail stating why I was denied. I only received a email on XX/XX/2024 telling me I was denied but not given the reason why. I call OneMain Financial multiple times asking them to send my denial letter stating the reason why I got denied and they still haven't mail it. I called multiple times and even sent a email and still no response. They told me multiple times that its against the law to send denial letter through email they have to mail it. So where's my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information Name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Generational identifier - Year of birth XXXX Addresses XXXX XXXX, TXXXXX-1345 Employers XXXX XXXX XXXX XXXX XXXX XXXX correct information above not correct : XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX, TXXXXX Unknown payment history {$44.00} Balance updated XX/XX/XXXX Account info Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX Company sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX Company sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement now XXXX  : same
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple calls, emails, faxes along with many calls to various reps to no avail. First Investors has failed to acknowledge that their employees failed to effectively communicate an accurate record of what status of my account was. Due to erroneous information/lack of information provided to me, First Investors reported a 30day late that is adversely affecting my credit score. Ive communicated with their Credit Dispute department who sent me a letter telling me the information is being reported accurately. No explanation how they couldve possibly arrived at this conclusion. I was never sent a bill for said amount. I made every attempt by calling them to clarify status. First Investors failed to give me the information needed, this failure to fully inform me has caused a hardship for me financially. 

XX/XX/XXXX I spoke to FIFG Rep. I informed her I was calling to make my final payment she stated the amount due to be XXXX. I then asked if this was the payoff amount incl. Rep responded " I dont know ''. She reiterated my payment amount was XXXX i was informed that if there was an outstanding amount I would receive something in mail. 
XX/XX/XXXX I followed up with FIFG to check on status of title and if there was a payoff amount and if so what was said amount? I was informed XXXX was " my next payment due '' this confused me beccause i knew my final payment was in XXXX. I asked for clarification she continued to tell me " my next payment due date is XX/XX/XXXX. i asked why? a next payment due? she wasnot able to give me a correct answer. I told her this didnt make sense, and made it clear that i did not want to incur a late. She assured me that as long as payment was made before " my due date of XX/XX/XXXX. At this point I hungup. 
XX/XX/XXXX As of this date i had not received any correspondence or phone call from FIFG. i received a missed call this day and i immediately returned call, I was informed that my car payment was overdue, after informing her to clarify the terminology because i was again confused because i had made my last payment on XX/XX/XXXX and wanted her to clarify that this payment was a " payoff '' not a regular payment. after some research on the reps part she confirmed this was my payoff amount. I then proceeded to pay this amount on XX/XX/XXXX via phone payment. I implore that you assist me. First Investors failed to give me the correct information to enable me to make said payment hey are now reporting 30 day late. I was in contact with them throughout this entire process. Had there REP given me my payoff information on XX/XX/XXXX i wouldve paid said amount then. 

i have made various calls since then. last call was XX/XX/XXXX spoke with XXXX from their credit dept.
Product: Debt collection

Several of their employees has violated the Fair Debt Collection Practices Act and are extremely rude in behavior Specifically, the employee disclosed information concerning my wife 's (  XXXX   XXXX   XXXX  debt to me   XXXX   XXXX   on   XXXX   XXXX   XXXX    . My wife faxed in authorization to speak and represent on her behalf on  XXXX / XXXX /  XXXX   and I placed an outbound call at   XXXX    XXXX    XXXX   XXXX   at which time the representative of central Financial Control spoke to me concerning all accounts sent to their office for  XXXX  party debt collection. There was a settlement discussed on the accounts in question. Disclosing amount of debt, services provided and dates, as well as agreeing to settlement terms. I inquired about credit bureau deletion and was informed that deletion of accounts from credit bureaus is falsifying credit reports which are an inaccurate statement and misleading, further violating the FDCPA.   I returned the call to  XXXX  on  X/XX/XX    and was informed that the authorization letter was not valid per guidelines, therefore violating the FDCPA in the previous conversation. Further to this point the agent  XXXX  was extremely rude and intimidating further violating FDCPA guidelines. It was stated on a recorded line by your representative  XXXX  that your company is in clear violation of the FDCPA statues. I called again on   XXXX      XXXX  and spoke to  XXXX   XXXX  who transferred me to a  XXXX ,  XXXX  and was extremely rude condascedning and said the phrase that " I do not talk to him like that '' also stated " that I will be transferred to a voicemail and " is that what I want '' when I clearly asked for a live supervisor, then he just transferred me with out saying anything. He transferred me to a  XXXX   XXXX  who I left a message with and still I have not received a call back from this company. I then called back on the same day at  XXXX  and spoke to  XXXX  who transferred me to a supervisor  XXXX  and I repeated what the agent said was clearly their internal violations. He did not resolve the issue and then said he could n't discuss because still their was not an authorization again, even though  XXXX  faxed it, he was also rude and condescending. This company has several violations against them filed by numerous consumers as well as an F rating with the   XXXX  , how are they still allowed to operate. They are rude and do not know collection law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Total visa account disputed multiple times across each bureau came back verified, but each bureau is reporting information incorrectly as has done for almost 2 years, has allowed creditor to put incorrect information on my report in violation of FCRA
Product: Credit card

I sent a second complaint to this company called Grain about a charged off account I have in my credit report THAT IS NOT MINE. This is what I sent. 


In XXXX, I realized that on my credit report there was an account from this company called Grain Technology showing a charged off account. From that moment on I put a Fraud Alert on my credit report and started fighting this case with complaints. They always close my cases saying that the company ensures that the information is correct. I have had problems all the time because the banks confuse my identity with my dad 's identity because we have the same name and before we lived in the same house. I want that company to remove that account from my credit reports and to show me that that account really belongs to me with my information. I have never had an account with these people, I did not know of the existence of this company until I saw that in my credit report, I tried to log in to their platform with all my emails and I have no way to log in BECAUSE I HAVE NEVER CREATED ONE ACCOUNT ON THAT COMPANY. This is something that affects me a lot because it is something that appears every time I want to move apartments or change my car. Right now I am living in a place that I don't want to live because it was the only place that accepted me because of my credit. This is lowering my chances of being able to live in a better place. I am tired of dealing with this situation and it is unfair that I have to have that incorrect information on my credit until XXXX when I have nothing to do with those people. 

There I asked them to show me proof that I opened that account and that they have ALL my correct information and they didnt. 

This is what they responded : Our compliance team completed an investigation into this account and found no evidence of fraud. 
All the information provided during the application process, such as phone and email, were verified. 


Is that complicated to send me all the proof that I am asking? If is true that they verified all the information why they dont show it to me? Maybe because that is A LIE and they dont have any information. 

IM ASKING FOR A PROOF!!! DOCUMENTS AND INFORMATION VERIFYING THAT I OPENED THAT ACCOUNT!
Product: Credit reporting 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had a credit card with Citi Bank for 3 to 5 years now. About 3 or 4 weeks ago I received a non-discript credit card in the mail from Citi Bank that WAS NOT the current card that I used. I did not submit a request for a card, I did not fill out an application for a card, I did not want another card. My credit score around that time was XXXX. I did not activate the card, there was no explanation as to why I had the card, and I didn't want it if it was a new card. 

On Friday XX/XX/XXXX I received the following : To activate your Citi credit card txt the last 4 digits of your card within XXXX. Txt HELP for info, reply STOP to opt out. Msg & Data Rates May Apply Afraid that my account was going to be closed I texted the number, shredded my current card thinking this was a replacement, and started using the new card. I now have 2! Credit cards through Citi Bank because they created a new account without my consent and tricked me into opening it via text message.

I just called them today and attempted to get clarification. The woman on the phone was very hard to understand, had a very bad connection, and sounded like she was talking to me through a tunnel. When I asked her if my old Double Cash account was being closed she said " it depends on you and how you use the account. '' Not a straight answer but it does tell me that this account is not slated for closure. She also informed me that I had set up a security code which I had not. When I told her that I wanted the new account closed she told me that if I did that my current charges would not process. This was a VERY unhelpful phone conversation that wasted a LOT of my time.
Product: Credit reporting or other personal consumer reports

For the past year I have been going back and forth with XXXX and transunion over the inquiries on my credit report. Unlike XXXX, both XXXX and transunion dont allow dispute of inquiries online, you have to call or dispute by mail. I have done both, several times over the past year. I have called multiple times to dispute these inquiries with both companies over the phone. My dispute was taken and I was told to mail in a written dispute in addition. I did this with both transunion and XXXX. I was told by XXXX that it was never received and to mail it in again and I did, I have not heard anything from them since. I was told by transunion that I sent it to the wrong address and I mailed it again to the address the representative gave me. Til this day almost a year later I have not heard anything from either of these companies nor had any result from my dispute. However, XXXX has addressed and removed all the inaccurate inquiries from my report. I have only XXXX inquiries on XXXX as to having XXXX and XXXX on transunion and XXXX respectively. If XXXX removed theses same inquiries there is no reason the other 2 credit agencies have not done the same. I have also made these companies aware that I was a victim of identity theft. Further all 3 companies XXXX, transunion, and XXXX have inquiries on my report that are over 2 years old and should have been removed already.These inquiries include the following and pictures are included as proof : Inquiries are not mine and have no knowledge of and are unauthorized by me for both companies 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 XXXXXX/XX/XXXX
Product: Debt collection

I disputed this claim thru XXXX about a double posting of a collection account of {$800.00} beginning of XXXX XXXX and XXXX is not going to take the double posting off my credit report. The open date is XXXX XXXX, XXXX on the double post. I have called XXXX XXXX XXXX XXXX, NJ and they said they will not take this amount off till I pay in full which is {$800.00} not {$1600.00}
Product: Credit reporting or other personal consumer reports

Dear Amex, I am writing to request that my personal information not be shared with third-party non-affiliated companies, as permitted by 15 USC 6802 and 16 CFR 313.7 As A Federal Protected Consumer to Exercise My Consumer Rights. 

As a consumer, I value my privacy and wish to exercise my right to opt-out of the sharing of my personal information for marketing purposes with companies that are not affiliated with your institution. 

Please consider this letter as my formal request to opt-out of any such sharing of my personal information with All third-party non-affiliated companies immediately and indefinitely. 

I understand that you are required to comply with this opt-out request promptly upon receipt, and I expect confirmation of this action in writing. 

Please be advised that this opt-out request is not to be construed as a revocation of any consent previously provided under other applicable laws or regulations. 

If you have any questions or require further information, please do not hesitate to contact me at the email address provided or phone number Associated with CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are showing inaccurate information on my credit file a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX all these account have been charged off/ wriiten off or sold to another collection company which under the fair credit act the companies charged it off on their taxes, which technically means that they can not come after me and should be deleted off my report and XXXX is reporting late payments if I 'm technically making payments so it also has to be removed. this is impacting my credit tremendously please take action
Product: Credit card

XXXX  month of using card, the automatic payment was not working so it was not paid amount {$29.00} XXXX month statement I saw it and paid $ XXXX interest and paid full of XXXX month payment {$580.00} on time. 
XXXX statement, they charged another interest charge {$25.00} eventhough I paid it on time. 
They explained it is because the XXXX  month was lated so charged for the XXXX month for concern of late but it was not late. 
And they said all credit card do that way but I never heard about it. Finally they said it is term of Comanity with XXXX XXXX not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted for almost a year to contact Equifax with no success. The one time I did get in contact with a live representative they lied and said that I didnt submit a police report. I did multiple times. My identity was stolen and now irreparable injury has occurred due to the neglect by Equifax to remove the fraudulent accounts from my credit profile. This is my final attempt and notice that I will file a federal lawsuit against them if they will not comply with the laws that govern them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted disputes to XXXX, XXXX, and TransUnion. TransUnion responded with stating an investigation was started but never followed up with the investigation results, no response from XXXX or XXXX. On XX/XX/XXXX I resubmitted disputes to all three agencies with the same response from TransUnion and a response this time from XXXX saying that an investigation was started. This violates the FCRA in that the FCRA provides a 30 day window in with to respond to disputes. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the 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 I request all disputed items be immediately removed from my credit reports. I intend to enforce my rights in court for damages resulting from your late of action ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to open a bank account, and was blocked. After calling the financial institution they advised me that Equifax placed a security block on my credit file, and therefore I could not open an account. I attempted to get the block removed with Equifax, and also attempted to get a copy of my credit report, but Equifax will not cooperate. Initially I tried to do this online, and was presented with some really bizarre challenge questions such as what is my monthly mortgage payment for various addresses. I answered no to all of the questions, and was told I didn't make the grade. 

I then telephoned Equifax who pretended to use a Driver 's License verification tool that required me to take pictures of my driver 's license, but the back side wouldn't load due to Equifax 's faulty software, and web serveri. 

I then wrote Equifax, requested the fraud alert be removed, and also requested Equifax provide me a copy of my credit report since I was denied credit, but never heard from Equifax since. There is no reason there should be a fraud alert on my account.