23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The selection I made is not the correct, but it is the closest. They did not use profanity or any abusive language. However, they did use scare tactics and hostile techniques. They called and asked me to pay a debt for XXXX. This company has not sent a single written communication to me. They have only contacted me via phone. How do I know they are not trying to scam me? I offered, however, to make a payment arrangement and they indicated that they could not do so. They wanted the money right then and there. When I told them I could not, they offered me an option to go through a 3rd party company to finance my debt. I said that financing a debt was not a good option since it would charge me interest and I am not doing good financially. He said " Ok so thats fine, we know where you live, your phone number and everything " to that i responded that all it was not a good way to talk to me. I requested to speak to a supervisor and they transferred me to a Sr Specialist. She was better, I have to be honest. But towards the end she harassing me saying that she could put me on hold while I called the financing company and tried to get the money to pay. I said I would call back ( I was at work ) and she said " then I will notate that you refused to pay the debt '' I told her " that is not what I said, I cant call right now, and I will call you back '' she then went on to say " calling back is not one of the options '' I said well, I still need to call you back and she said " Ok I will notate that you refused to pay your account, byeeeee '' that is very disrespectful and using their power to mentally stress me out. I would lie for them to more respectful and work with me on a pmt arrangement or at least send a written formal communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Collection Account Violation of 15 U.S.C. 1692c Dear Experian, I am formally disputing the collection account reported by XXXX XXXX  on my Experian credit report, as it violates my rights under 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ).

According to my rights under this law, debt collectors are prohibited from communicating with consumers in ways that are harassing, inconvenient, or unlawful. I believe this account has been reported and/or handled improperly. Additionally, the validity of this debt is in question, and I demand proper verification. 

I request that you investigate this matter and provide : 1. Verification of the debt including a signed agreement proving I am liable. XXXX that XXXX XXXX  had the legal right to report and collect this debt. XXXX. Details of any communication attempts made in violation of 15 U.S.C. 1692c. If Experian can not verify the accuracy and legality of this collection account, I demand its immediate removal from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ) and FDCPA regulations. Please respond within the legally required 30-day timeframe. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX.
Product: Checking or savings account

I opened an account with chase bank and deposited my payroll check electronically. Chase determined they could not read the maker of the check and placed a hold on yhe check. Even though the bank the check was created through ( XXXX XXXX ) sent the funds to Chase, Chase refused to release the funds to me and shut my account down. When I call them they say they can not return the funds back to XXXX XXXX XXXX or to me until they verify with the maker of the check that it is not a fraudulent check however, the number they have on file is not a valid phone number. They will not allow me to provide any information for my employer so that the check can be verified and they will not return the funds back to my employer. At this point thus situation is well over a month old and I still have not received my paycheck.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit card

In XXXX of 2023 I signed up for the American Express Hilton Honor Surpass Card. The reason I did so was because there was an ongoing promotion where after opening the account I would earn XXXX Hilton Honors bonus points after {$3000.00} or more in eligible purchases were made on the Card within 6 months of membership. I met this threshold in XXXX of XXXX. 

I contacted customer service via chat on XX/XX/2023. They confirmed the promotion and said that they forwarded the issue to another team member and I would hear back within XXXX to 10 days. 

After not hearing anything else I contacted customer service via chat on XX/XX/2023. They said that they forwarded the issue to another team member and then informed me that I was ineligible to receive the welcome offer and that I should have been informed of this during the application process. However, I was not. I was given a case ID if XXXX and told to expect a response within XXXX weeks. To date I have not received a formal written response to the status of that case. 

I called Amex customer service multiple times since then and each time have not been provided proof that I was ineligible to receive the welcome offer and that I was informed of this during the application process.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two accounts listed below does not belong to me and it is fraud. 

Navient account number XXXX Navient account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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. 

XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX 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 7 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

In XX/XX/XXXX Santander changed mortgage servicing companies from Santander to XXXX XXXX. In this transfer/change my account number for my Mortgage also changed. Since XX/XX/XXXX, XXXX XXXX the payment processing company for my Santander mortgage, has not reported this Santander loan to the three major credit reporting agencies of XXXX XXXX and XXXX. 

Information regarding my Santander Mortgage as it currently reports to the 3 major  bureaus is Closed/Transferred Acct # XXXX on XX/XX/XXXX. Technically, this is correct. This account NUMBER was closed/transferred. However, what does NOT show on the reports and what has not been and currently not being reported is Santander Mortgage account XXXX, which is the account the old number was transferred TO. 

I have been receiving statements from Santander account XXXX with correct balances, payment history, and have made on time current payments since XX/XX/XXXX. However, none of this account, it's existence, it's balances, it's payments history, are being reported to XXXX XXXX or XXXX 

I have filed credit disputes with these three bureaus, however they can not dispute an account that in their systems, does not exist. I have been " in complaint '' of this error to Santander beginning XX/XX/XXXX when I discovered the errors. Santander instructed me to direct my concern to " XXXX '' with my details. This department does not allow direct customer contact and forces me to have to speak with a general customer service rep at the XXXX number. These general service reps do not have the ability to speak to the department handling my case. They also insist that they are IN FACT reporting my loan to all three credit bureaus. They are not resolving my issue and there seems to be no one to work with there. 

Santander 's new mortgage loan processor, XXXX  XXXX, is IN FACT NOT reporting to XXXX XXXX or XXXX the loan activity and balances on Santander Mortgage loan XXXX for myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . XXXX XXXX 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

I am a victim of identity theft and have submitted police report affidavits and FTC report to the credit reporting agencies to remove fraudulent accounts on my credit reports. All have complied except for Equifax. I have sent them the police report 3 times as they claim it was not legible the first time but still are reporting inaccurate information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Fraud Dept Phone : XXXX XXXX XXXX XXXX XXXX Equifax Fraud Dept Phone XXXX ( XXXX ) XXXX XXXX and XXXX Fraud Dept Phone : ( XXXX ) XXXX please remove these accounts it does not belong to me its a fraud account please close and delete Thank You : XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : Bankruptcy XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 card

I applied thru XXXX XXXX. I got approved for a Citi XXXX XXXX for {$4500.00} I was trying to do a balance transfer. 
All of a sudden, XXXX XXXX timed out and now I have been dinged on my credit with no information regarding this new card, card number... nothing! 
I tried again and I received an error. 
I had set up a password and username and I can not access the website
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : reports that I have bad credit and public records and 'too many inquire. 
In addition they will not raise my credit score.

They continue to keep my credit score low even through I have made all payments on time for the past 5 years to 7 yeARS
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 Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing 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  Balance : {$930.00} XXXX XXXX XXXXXXXX Balance : {$920.00}
Product: Student loan

I

had a private student loan serviced by Navient that became delinquent due to financial hardship. Despite my efforts to work with Navient, they repeatedly misapplied payments to my account, which caused me to incur late fees and remain in a constant state of delinquency. When I reached out to Navient for assistance, they failed to inform me about or enroll me in available repayment or hardship programs that could have helped me manage my payments more effectively. Instead, they recommended I refinance my loan with XXXX. 

Navient did not disclose that XXXX is affiliated with them, nor did they explain the potential consequences of refinancing. I only learned about this connection later, and by then, my loan had already been transferred to XXXX. This lack of transparency misled me and deprived me of the opportunity to make an informed financial decision.

As a result of the refinancing, my private student loan was not included in the settlements or lawsuits that addressed Navients predatory practices, leaving me without relief for the harm caused by their misconduct. 

Additionally, XXXX has continued to collect payments from me on the refinanced loan, and my credit report inaccurately reflects this account in a way that further harms my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting derogatory information on my credit commercial file that does not belong to me and said that they are not regulated by anyone because they are different from other bureaus, but they just report anything on your file without any questions, I never purchased a commercial truck for XXXX dollars so how can someone report that to my report
Product: Checking or savings account

Wells Fargo is charging excessive fees, overdraft fees, also they are stealing funds from my account by paying off the bills, the date I make transaction is paid, they wait until a week later then post it, and explained to me that it didnt post yet, and they charge me again then erased the charges, some kind of way, and charge me overdraft a week later, they have been doing this since I had this account opened, ,also money has been taking out my fraudently,, I just want to acknowledge this, and want this to be aware, Wells Fargo has not learned their lesson,,
Product: Debt collection

I was asked to leave because I had a boyfriend who caused problems I was being abused and was in fear for my life I did what i was asked to do I put in my notice to vacate I was packing and my now ex came into my apartment and dragged me into his car I was held hostage by him for almost XXXX months he was caught and arrested on unrelated charges I was so traumatized I refused to relive my abuse and since he was already going away for a long time my doctor suggested I just move on. When I called the apartment complex they were very hateful and refused to give me the property management information so I could explain my situation and maybe come up with a payment plan even though I was charge way over the amount of any damage that was done they charged me for cleaning carpets that were covered with my huge area rug they also charged me for painting when there was no reason to paint I keep a very clean home. I left a couch and table and was charged hundreds of dollars to remove it. I then started receiving calls from the property management company multiple times a day and asked them to stop calling I was hiring a lawyer they are no longer in business but i still have this debt.
Product: Debt collection

Re : Failure to Validate Debt Within Required Timeframe Account Number : [ XXXX XXXX XXXX Dear [ Hayt , Hayt , and Landau , LLC ], I am writing regarding the above-referenced account and judgment. On [ XX/XX/year> ], I sent a request for validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). I have yet to receive any response or validation from your agency, including any contract with my signature or other documentation proving this debt is valid. 

Since [ 34 ] days have now passed without any response from your agency, I must assume that no such documentation exists to support your claim. As a result, I am formally requesting that you lift any judgment related to this debt and immediately cease all collection activities associated with this account. 

Additionally, I request written confirmation, via email [ XXXX ] and/or Mail [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ], that this debt is no longer owed and that it has been removed from any applicable records. Please consider this letter as a formal demand under the FDCPA to verify the cessation of any further collection efforts and to confirm the invalidity of this debt in writing. 

I have to submit this to the CFPB due to the fact your company is refusing to move promptly on my request. 

Thank you for your prompt attention to this matter. I look forward to receiving your written confirmation.
Product: Credit card or prepaid card

On XX/XX/XXXX, I learned Netspend closed all our family 's account for " unacceptable account usage pattern '' Though following terms, I assume this was a pretext for just not profitable to them as they would not disclose anything further. 

Netspend refused to refund the {$85.00} annual fee I paid on XX/XX/XXXX, just a month ago. They cited since the account is closed, they can't refund. They also refused to send me the remaining balances on all prepaid cards in the family, citing a {$5.00} fee for checks to be mailed as well. 

Since I am not closing the account, the balances and fees for past year, {$85.00} each, should be refunded as I was not able to use the prepaid card for the full year as paid. There shoudl also be no fee for mailing us checks. 

I was not able to use the remaining balance on the card as well via debit transaction as blocked.
Product: Debt collection

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX05B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.