23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I opened an account with American first finance. The account was stated as a 90 day same as cash contract towards my 90 days I received a call from a account representative and we set a payoff date and agreed no other charges would come out of my account until then.  American First Finance  took money out of my account before the payoff date. My  Visa  card which we agreed was going to be used for  a one tim e payment only had money took out of it 3 times 2 times was unauthorized.  XXXX   XXXX  I had a call from the company I asked to speak with a supervisor so that we could try and settle the account. The representative was rude put me on hold for  20  minutes then said there was no supervisor available and she would schedule a call back for  XXXX  the call never came and I never talked to a supervisor. The calls continue to come the reps was loud and argumentative.Due to the fact that I could not speak with a supervisor and the rep was argumentative, I told her to cease all call activity and only communicate with me threw us mail and the calls still come.
Product: Checking or savings account

Its cash app they locked my account the first time because I put request a refund but it was an accident then the second time I put request a refund because I gave money to this girl that was supposed to bring me something but instead as soon as I sent the money she blocked me on that account and turn her phone off so I request for a refund and they denied the request and they locked my account and I need to make a transfer and then close the account to get my money off of there I have messaged the support people about 40 times
Product: Debt collection

I have a defaulted loan with Possible Finance. I am unable to pay the loan in the app, I have been unable to pay in the app since it defaulted. I emailed customer service several times and am never provided a way to pay yet they are reporting a negative account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Discover Bank : Account # XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, regarding their inaccurate reporting and refusal to remove an account from my credit report. 

Background : For several months, I have been diligently corresponding with Experian to rectify an issue with the reporting of an account on my credit report. Despite my repeated attempts to dispute the accuracy of the reported information, Experian has consistently refused to remove the account, which is now impacting my creditworthiness and financial standing. 

Details of the Complaint : Inaccurate Reporting : Experian has continued to report the account 's payment history as being in collection every month, even though the account has been closed. The account 's payment history should not have been reported further after the account closed. This inaccurate reporting misrepresents my creditworthiness and financial situation, potentially affecting my ability to secure loans, obtain favorable interest rates, or engage in other financial transactions. 

Failure to Correct Inaccuracies : Despite my best efforts to provide evidence and supporting documentation proving the closure of the account, Experian has neglected to take appropriate action to remove the inaccurate reporting. This refusal to address the issue is in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and up-to-date information. 

Adverse Impact on Creditworthiness : The continued reporting of the account as being in collection has had a significant negative impact on my creditworthiness. I have experienced numerous adverse consequences, including difficulties in obtaining credit, securing favorable terms on loans, and facing higher interest rates. 

These actions have continued despite me providing proof from XXXX themselves that the account had been closed and should not be reported as a collection account each month.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, C/O RESURGENT CAPITAL SERVICES XXXX   XXXX XXXX XXXX, SC XXXX is the collection agency attempting to collect on a " Re-Aged '' account. There has never been any activity on this account but the collection agency sought to make it appear falsely to have recently had activity to falsely make the debt appear to be current. they falsely claim the debt Opened, XX/XX/XXXX ( 6 mos ) when in fact the debt was originally with XXXX  XXXX XXXX XX/XX/XXXX and was successfully resolved with them verifying the debt was not owed, and then removed form the credit report. XXXX purchased the file ( probably along with numerous others ) and sought the action without verifying the debt was owed. 
I contacted the collection agency and demanded verification of the debt, I contacted the collection agency and demanded the proof the purchased the debt, I demanded the collection agency remove the debt form negatively affecting my report. I filed these documents directly in writing over 3 mos ago and they have failed to respond timely as is required, and failed to act upon the duties held under Fair Credit collection act. 
I wrote to the collection agency the following : If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have Already done so ), also report that the debt is disputed. 
I also spoke with XXXX who indicates they reflect no such debt outstanding in their records, the resolve with XXXX was that they had continued billing after move out date and stop service notification. The Michigan Public service Commission also helped to resolve the claimed bill owed as I remember, XXXX XXXX The following is appearing on my report : ( XXXX ) XXXXLast reported : XX/XX/XXXX {$160.00} Needs Attention Account status- Open Type -- Responsibility - Individual Remarks : Account information disputed by consumer, meets FCRA requirements
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion have allowe XXXX XXXX XXXX XXXX XXXX to report false information and accounts on my credit profile. I disputed the items asked them for proof of validation and they sent nothing back but verified .You can see the accounts are fraudulent the same company is reporting two different account numbers for a auto loan open on the same date same year with two different amounts. Why would I one human being open a car loan and purchase two cars in the same day for almost the exact amount. It makes no sense the company is doing double damage by reporting the same one accounts twice and adding a fake account number on the same one auto loan with two different balances
Product: Credit card or prepaid card

Hi, my name is XXXX XXXX and I have three Capital One accounts, across these three capital one accounts I have auto pay enabled so that every month when a payment is due they are able to pull the $ out of my accounts so that there is no issue. On my credit report capital one is reporting under the account # XXXX XXXX, & XXXX late payments for XX/XX/XXXX, and XX/XX/XXXX. These payments are reporting 30 and 60 days late respectively in which I had auto pay enabled so there could have been no way these payments were late and I also called and spoke to a representative about this issue. They have stated that there was nothing they can do even though I have been a customer of capital one and have had these accounts open since XXXX and am reaching out to the CFPB for help in reopening my accounts and getting these late payments removed as these are substantially hurting my credit in which I am about to get evicted from my apartment as they do frequent credit checks and with this happening it has dropped my score over 100 points.
Product: Credit card or prepaid card

I continue to receive unfounded charges without any explanation on a card I closed and destroyed with documented proof of the closure ( Comenity Bank, XXXX XXXX ). Bread Financial/Comenity bank is unreachable at their customer service line and by their secure message center, saying messages are undeliverable, and yet they continue to send bills and late fees despite account closure and the account no longer even being active. 

I have a detailed record of closing this account after paying my final bill and receiving a refund I was owed by the company. Comenity continues to harass me, even upon closing the account and after I received my credit refund from them, which was the last thing that needed to happen before I closed the account. The company continues to harass me with a new charge of {$380.00} without stating what it is for and when it was made. The account was closed at the time they continued to send me charges, harassing me for payment. Upon account closure, I properly destroyed the card and had no automatic payments set up whatsoever to this card. The unfounded and unprecedented charge is for {$380.00} and NOWHERE on the bill tells me what it is for. AGAIN, this was sent to me after I had closed the account. 

I have written a handwritten letter disputing this charge, which they acknowledged by sending a letter back saying they were looking into it on XX/XX/2022, and yet I still receive bills requesting payment. I continue to be harassed by Comenity, receiving a most recent LATE FEE after not paying what is an UNFOUNDED charge. It is IMPOSSIBLE to reach customer service, and I am completely fed up with this creditor and find Comenity a CREDIT PREDATOR in every sense of the term. I have yet to receive a satisfactory response to my dispute and complaint and I have written documentation of closing the account after making my final payment of {$1000.00} on XX/XX/2022. 

I fear that this is going to eventually work against my high credit score which I have worked hard on if I continue to refuse payment. I also do not want to accrue any more late charges on this unfounded and predatory payment. Comenity is unreachable at their customer service line of XXXX, and in the times I have managed to stay on the line waiting for support for HOURS PLUS, they do not help and hang up on you. Secure messages are not being sent and I have documented proof of my attempts as well. They need to be shut down. I am happy to speak further about this case and need support as soon as possible. I am so grateful for your help. Thank you.
Product: Debt collection

XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Received bill for tolls by mail. The bill showed me as a class 1 vehicle in one direction and a class 4 vehicle in the other. I was in a class 1 vehicle in both directions. Same vehicle, same license plate as shown on the bill. I notified XXXX XXXX and XXXX authority by mail and included payment of the corrected toll by postal money order. They ignored my notification and continued to bill me the additional money adding on fines as they went. They gave the account to Transworld Systems in XXXX OH. I sent them all my paperwork along with a letter outlining the problem. They have ignored my proof of payment and continue to bill me for the extra toll and fines. 
I think XXXX XXXX is acting in a capricious and arbitrary manner, ignoring my proof of payment. I tried to file a complaint with the XXXX  but was turned down, as it is outside of their ability to address a concern with a state government agency. I am attaching my correspondence that is dated and speaks for itself. 
Thank you in advance for any help you can provide.
Product: Student loan

Loans handled by Mohela. Placed on SAVE forbearance, notified no interest would accrue. Then received email stating interest would continue to accrue with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We received a payment for the purchase of insurance via American Express card, provided the services purchased, and nearly five months later the cardholder disputed the charge and AMEX deducted the full charge amount from our bank account, despite our providing clear evidence that the charge was valid and the services provided tot he cardholder. AMEX refuses to return the {$18000.00} that they took from us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX, my ex-wife and I had gotten a second mortgage with XXXX XXXX  on the house I currently live in for {$38000.00}. Around XXXX ( I don't remember the exact date ), that mortgage was transferred to XXXX. During the transfer, our payments were supposed to be put into an escrow account until the transfer was complete. Once it was complete, XXXX had no record of those payments or the account. After trying to work the issue out with XXXX, we contacted a federal agency for help. It might have been CFPB, but I don't recall. XXXX could not produce evidence that they had the right to collect any money from us and could not show that payments that were made were applied to the mortgage. We were advised to stop paying until they could produce proof. XXXX sued us and the case was dismissed without prejudice for lack of evidence. From that point on, nothing was done with that mortgage. Now I am trying to either refinance or sell this house to give my ex-wife her share of the equity. There is still a lien on the house from this mortgage in the amount of around {$46000.00}. This loan was transferred to XXXX in XXXX, which was then acquired by XXXX, and subsequent assets were transferred to New Residential Investment Corporation. Their servicer, Shellpoint Mortgage Servicing has sent a payoff letter to the title company I was working with for the refinance. I do not recall receiving any paperwork from XXXX, XXXX, or Shellpoint. I sent a loan validation request letter though certified mail, which they received XXXX of XX/XX/XXXX ( I have the return receipt ). In that letter I requested information be provided within 30 days. I waited that amount plus some additional considering it sometimes takes a while for the mail to arrive. On the XXXX of XX/XX/XXXX I sent a second request through email, attaching the original validation request letter, and asked for a response by today ( XXXX XX/XX/XXXX ). I have yet to hear back from them. My issue is that I do not want to pay any money to them if they can not verify they have the legal right to collect it. Also, and please correct me if I am wrong here, I believe that if they do not have the legal right to collect then they do not have the legal right to release the lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may concern, I'm writing to dispute the following information XXXX XXXX XXXX reported a New Account to your XXXX credit file. Source : XXXX XXXX XXXX : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Business Type : XXXX Balance : {$1300.00} supplied BY XXXX XXXX currently reported. I do not owe this bill. XXXX XXXX denied access to my personal information from me. XXXX XXXX will not allow me to get my FREE CREDIT REPORT, DENIED ACCESS TO DISPUTE ANY FAULTS DEBT. They are holding me back from accessing and disputing charges that affect my reputation as a debtor of my creditworthiness. They are retaliating against me for prior complaints to CFPB.
Product: Debt collection

Hi, In XXXX, I went to XXXX XXXX fertility center in XXXX, CO for treatment. XX/XX/XXXX, I had my XXXX XXXX. The provider doesn't do this service until the payment is paid fully. We made the payment, got the service and everything was fine. 

Around XX/XX/XXXX, I got contacted by Alpine Credit ( debt collector ) saying I still owe to XXXX XXXX. This is not true. I made all payments in early XXXX to XXXX ( billing manager then ) and she wrote on the receipt saying 'Full Paid ' as confirmation. When XXXX XXXX reached out, I furnished all information I have with attachments in an email on XX/XX/XXXX. After that I didn't hear from anyone. 

Fast forward XXXX, I get a call in XXXX saying I have a balance of $ XXXX still. They had no explanation/response to my email from XX/XX/XXXX. I have clearly stated that I am disputing this charge because 1. I don't really owe. 2. They ghosted on me in XXXX and coming back 3 years after without an explanation. Please advise on how I can proceed or file a complaint legally.
Product: Credit reporting 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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Credit reporting or other personal consumer reports

Good day XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct XXXX FL XXXX XXXX Last XXXX ss # XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : XXXX  Account number : XXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and XXXX XXXX yrs old I have NEVER missed a PAYMENT EVER! 
these late payments are NOT Accurate. 
Thanks for your help, Sign Your Name
Product: Credit card

I am trying to refinance my student loans, I was 90 days late in paying Comenity Bank on a XXXX account {$23.00}. They account now has a XXXX and Comenity has increased my credit balance. However, they put a negative rating on my credit history. I requested, in light of the fact there is a XXXX, and they increased my credit limit, to remove the negative rating from my credit. Comenity refuses to do so and this negative notation could stay on my credit indefinitely. Comenity requires a letter by regular mail disputing the negative rating. Comenity refused to provide me with an explanation of their process and what they review to remove the negative rating.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 states that 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. 

I am the consumer and XXXX, XXXX, and XXXX are the consumer reporting agencies. It is my right to make sure that my information is private and isnt shared. This is backed by the 15 USC 6801 which states It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers public personal information. 

Earnest is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states In general Subject to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Earnest the financial institution and the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they do not have my written consent. 

Any and all consent to XXXX, XXXX, XXXX and the financial institution Earnest is revoked whether it be verbal, nonverbal, written, or implied. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Earnest has never informed me of my right to exercise my nondisclosure option.

Reporting transaction history is illegal. According to USC 15 1681a the consumer report does not include " A report containing information solely as to transactions or experiences between the consumer and the person making the report ; ''