23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. XXXX XXXX XXXX continues to furnish repeatedly with the same account number XXXX with multiple late-payments. The company is no longer a service provider for the Department of Education ; Using the E-oscar system, Credit Reporting Agencies continue to furnish data incorrectly according to FCRA Guide-lines. Due to the abundance of identical accounts, the CRA electronic actions caused a major decline in credit and creditworthiness. Requesting one account with the overall amount owed.
Product: Debt collection

I am receiving phone calls before XXXX XXXX  and after XXXX XXXX  of harassment, profane and abusive language, threats of being sent to jail and prison, and threats of violence and death from Credit Collection Services Debt Collection Representatives in regards to a debt collection account from XXXX XXXX with a balance of {$190.00}. The debt collection account is not my account and the debt collection account is the result of identity theft. Credit Collection Services is in complete violation of the Fair Debt Practices Act ( FDPA ) under federal and state law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

last month i went to a mortgage broker to try and get approved for a mortgage and i found out that i had an account that was caused by fraud. I am certain that an old roomate has used my personal information to rent an apartment
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve an incorrect reporting with the CRA numerous times and they have failed to DELETE an inaccurate account. They also allow the CRS to report on an account that has multiple inaccurate late pays and on an account that is at a {$0.00} balance and they don't even own anymore. This account XXXX XXXX was transferred to XXXX XXXX  as part of an agreement in XX/XX/2022 where XXXX bought all XXXX Extra Points accounts ( good or bad ) from XXXX. Yet, XXXX still reports this account that they own it and the CRA refuses to delete it. I am including a {$0.00} balance letter from XXXX that they own the account and not XXXX.
Product: Debt collection

This past week, XXXX medical collection accounts were placed on my credit report. The company listed on the report is Central Portfolio Cont, and the amounts are {$3900.00} and {$1300.00}. They say the original debt was to a XXXX XXXX XXXX- which is a medical facility in the XXXX area that I have no recollection of ever going to, and has been out of business since XXXX. I tried to see who purchased the hospital after it closed, and apparently that company has filed bankruptcy and I am unable to get any proof of service, detailed medical bill or proof that anything was charged to my insurance because of it. This debt is wrong - I have never been to a hospital by this name, or at this location and I have never been made aware of this debt previously, and can not contact anyone to actually prove this debt is valid. I don't even know what dates they are claiming that I had service there because it says on the date of account opened XX/XX/XXXX which is years after the hospital was closed. In addition, being a medical debt, this should be removed as a XXXX violation on my credit report. I have already filed a dispute with experian where I found this on my report and am reaching out to my legal aid team to see what further can be done.
Product: Credit card

My card was stolen a few months ago, which I reported to my Best Buy Citibank card. I also submitted a dispute of the fraudulent charges. Today, they added those charges back to my account and proceeded to take a minimum payment autopayment of {$920.00}, when it is only supposed to be {$200.00}. I did not receive any notice that these fraudulent charges were added back to my account, nor that my payment would be so high. I was notified by my bank of the transaction. They failed to remove these fraudulent charges, failed at providing notice that they were being added back to my account, and failed to inform me they would then be charging me almost {$1000.00} for a minimum payment. My new card has yet again been compromised as there are now additional fraudulent charges for some " XXXX payment ''. I want those removed. I want this payment returned immediately and will pay the required {$200.00} minimum payment. I will no longer enroll in autopay as they seem it is ok to take as much money as they want at any given time. IF this is not handled accordingly I will be filing a lawsuit as they failed to give notice of any of these actions. I have gone through my letters they provided and downloaded every single one, not XXXX of them has information pertaining to these charges being added back to my account or that they were deemed my responsibility since my card was reported lost/stolen. I cant even dispute these again because the old card no longer shows on my account, and those were the reason the card was reported lost/stolen to begin with.
Product: Student loan

To whom it  may concern at Navient 's Office of the  Customer Advocate, I would like to complain about what I believe is a misleading and predatory practice.     I was able to resolve this issue for myself but I would like to go on record with my objection to it.     I have  XXXX  student loan through Navient from classes taken a few years ago which I make monthly autopayments on.     Yesterday I paid for classes at my new  XXXX  's program via the University 's web portal with NO intention of deferring my current loans or stopping my autopay function.     Today I received an email from Navient announcing, " Congratulations, your request for deferment has been approved! Please log in to your account for more detailed information about your deferment. '' I did NOT make a request for deferment. I found this email alarming and assumed someone had broken into my account.     On my account homepage, I found out my autopay feature had been removed and there was no way to even DECLINE or RESET the deferment which was set  until 2020.      I just got off the phone with a customer service rep and had to insist he REMOVE the deferment that was preventing me from signing up for autopay.     Please add this to the list of practices that are obviously designed to prevent customers from making thoughtful decisions about their loan management and entrap them into years more of debt than they even requested.     I also sent a copy of this message to the Consumer Financial Protection Bureau.     Thank you.      XXXX   XXXX   XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX hurricane Micheal affected my area, I live in XXXX XXXX, fl, I was without phone service and internet. Once phone service was restored I attempted to reach out to XXXX XXXX to ask if there was any way they could offer assistance since I was also out of work for over a month. I attempted to call and email and never heard a response. They reported my late payment and charged me late fees. I still have very limited internet access and I still have not heard from them except to receive my next monthly statement.
Product: Bank account or service

I deposited XXXX checks via the mobile deposit app on my phone on XX/XX/2017 at about XXXX in the evening. After the first deposit XXXX was made available immediately. After the second deposit no money was made available. On XX/XX/2017 I checked my account and noticed a hold was placed on XXXX. I called the bank at about XXXX to inquire about the hold and to verify if this hold would delay my deposits clearing. The first person I spoke with provided information I did n't ask for and then advised a bank teller placed the hold on my account and he could not explain why and I needed to wait until the branch opened to get an answer. I asked for a supervisor. The supervisor advised the deposit department placed the hold and I would need to speak with someone from that department. I was transferred. The first person I spoke with in the deposit department again provided information I did not ask for and was irrelevant to my inquiry, when I pressed for an answer about the hold and how it would effect my deposits I was advised she could not explain the hold and I would need to wait until the morning to find out what would happen. She became rude when I asked for a supervisor. I spoke with a supervisor in the deposit department who again advised no one could help, no information could be provided and that notes on the account can not be seen until the transaction either clears/or does n't. I called customer service and immediately asked for a supervisor so that I could file a complaint. The supervisor in customer service insisted she could help, again I was told no notes where available to explain the decision and they could not provide any answers until my deposit either cleared or did n't clear in the morning. I asked to speak with her supervisor and she hung up on me. I called back and the customer service rep who knew my name insisted he could not transfer me until I gave him my name, he was antagonizing. I finally spoke with a supervisor who again stated nothing could be done, no answers could be provided and I would just have to wait until the morning to " see what would happen ''. I spoke with XXXX different people, none of them could explain why the hold was placed, or how the hold would effect my deposits clearing. I checked my account this morning and the deposits were debited and my account is negative over XXXX. I still have no answers explaining why any of this happened and now I have a negative balance on my account I did not create. If there were questions regarding the deposit, I did not receive a phone call so that I could at least attempt to answer any questions the bank may have had. I did not receive an e-mail either. It would have been helpful if at a minimum notes were entered explaining why the hold was placed and whether or not my deposits would have been effected. I was constantly advised that " this is just the process '', that is antiquated and unhelpful. Customers want to be informed and understand why something was done to their account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2020, XX/XX/2020, XX/XX/2020. There was an error on their part. I was never 30 days late on dates mentioned above.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX, and this statement is being composed by myself. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( 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 this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the former mortgage servicing company that has reorted a number of monthly payments as 30 days late. XXXX is now bankrupt & closed, has refused to supply any information to CFPB, rather defers to XXXX  XXXX who then refers back to XXXX so I have serious doubts that Experian has made any attempt to update old information. I have supplied bank information showing payments cleared my account on a timely basis ; they have even reported a late payment AFTER XXXX accepted payments on the account. This alone is grounds to have the XXXX account completely removed from my report as has XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX equifax Credit report theirs is negative item that's 90 days late last XXXX of card XXXX its a fraud account please have equifax removed the one negative item I have a federal trade commission identity theft report on file
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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. 



In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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. 



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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. 



In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020, Receivables Management Systems is still reporting two collections accounts from XXXX XXXX that were paid by insurance. I've attempted to reach their office by the phone number provided on my credit report but have been unable to reach anyone.
Product: Debt collection

On XXXX/XXXX/16, I received a call at my place of employment dispite having told the previous company never to contact me at work. The call was from a XXXX XXXX. I was not provided the FDCPA or notified that the call was being recorded. I kept it short because I was at work and in a public area. He began throwing out settlement options. I stated that I needed verification of the debt emailed to me and that I would contact him the following morning. 

On XXXX/XXXX/16, I again received a call from XXXX XXXX who did not provide FDCPA or notify me that the call was being recorded until after he discussed settlement information and I began asking questions. Further, XXXX XXXX stated that if I paid the delinquent account " would be removed from my credit ''. I do n't believe that this is a true statement - it will not be " removed '' from my credit.
Product: Mortgage

On XX/XX/XXXX i rec 'd an email about payment change. The index is incorrect ( should be XXXX ) which impacts rate. On same letter it shows {$820.00} due for taxes and insruance but I already paid in full XXXX to cover said escrow shortage so that amount should be reduced by {$140.00}. I called the company on XX/XX/XXXX and again on XXXX about both issues and have not rec 'd anything correctly this.
Product: Credit card or prepaid card

On XX/XX/2020, there was a fraudulent charge of {$500.00}, on this account. I've called daily from XX/XX/2020 until I filed a complaint with the XXXX XXXX XXXX on XX/XX/2020. During the calls I've had to explain to every agent the reason for my call and neither had any more information than the next agent and claimed to be escalating the claim. Any time I requested a supervisor, the agent never provided one or released the call to anyone else. During each call neither agent knew of an investigation or knew about any previous calls. I also filed a claim twice online, which I was later blocked from using. Not getting any response or credit to my account for this fraudulent charge led me to file a claim with the XXXX XXXX XXXX, which they immediately responded to and provided a generic response on XX/XX/2020 and as of XX/XX/2020, there has been no contact from this company or credit of my account. They've even not responded to the XXXX XXXX XXXX by the given deadline of XX/XX/XXXX. I've explained to them on several occasions that my spending pattern has never included such a large amount. I've looked online and also provided this information to the XXXX XXXX XXXX   where numerous consumers have complained about being scammed by this company and no solution. 
https : XXXX I've waited over 30 days. According to the Truth In Lending Act, if the actual credit card not used, the consumer has no personal liability and by law should not exceed 10 business days. Company has stated that card wasn't used, that it was paid as checking, which I didn't authorize. 

I would like a full refund of {$500.00} that this company withdrew from my account, without my permission. I never authorized withdrawal for this amount on this account and any time.
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 : XXXX BANK 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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 data is inaccurate.
Product: Debt collection

XXXX XXXX falsely claimed that a {$5700.00} company debt is my personal debt in violation of the Fair Credit Reporting Act. This is an act of abuse that I just uncovered by ordering my credit report recently from Transunion Credit Agency. 

There is no evidence that I signed any documents stating that as an authorized signer of the business who took the debt, I was responsible to pay for the businesss debt. There is no such proof that XXXX XXXX can provide since such proof simply does not exist. Instead of pursuing collecting the debt against the business, as the former signor of the business, I was instead pursued. Additionally, XXXX XXXX must provide proof of debt assignment from the original business lender as it can not even pursue a claim against the business without the proper written debt assignment letter from XXXX XXXX XXXX to XXXX XXXX 

This act of abuse is illegal and must stop and a violation of New York State and Federal Fair Debt Collection practices.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B mandates the removal of incorrect accounts from my credit report. Can you verify the documents? The listed accounts contain inaccuracies in reporting, amounts, and dates.
Product: Checking or savings account

I have been receiving bills from Chase re : my HELOC. 
Included in the Total Amount due in my XX/XX/2019 statement was " Prior Fees / Charges of {$220.00}. 
I paid the total due but the {$220.00} was not credited to " Prior Fees " but to the principal. 
I paid the {$220.00} again in XX/XX/2019 and again it was credited to the principal. 
I believe I Have paid the {$220.00} two other times with the same result. 
I have asked Chase to credit the original payment to the prior fees and refund the rest of the {$220.00} payments that were credited improperly to my principal. 
I was told they would not be able to refund any of the payments. 

I believe that in total I have paid {$900.00} to cover the prior fees ( in {$220.00} sums ). 
The Prior fees / charge of {$220.00} continues to be on the bill and added to the minimum payment due. 
I have initiated a case at Chase with the executive offices. After multiple phone calls with their account representatives I have come to believe Chase is engaging in deceptive billing practices.
Product: Mortgage

RECEIVED LETTER FROM BOA ASKING TO VERIFY OUR IDENTITY REGARDING THE PREVIOUS COMPLAINT DATED XXXX XXXX XXXX. WE KNOW THAT'S RIGHT I WOULD BE READILY PROACTIVE THAN REATIVE ESPECIALLY WITH THE CASE. 

XXXX XXXX BOA HAS THE SAME FORMAT?? WAHT IN THE WORLD! 
NEVER RECEIVED ANY LOANS FROM H AND R BLOCK XXXX OR XXXX. EVERYTHING IS FRAUDULENT. CHECK THE ATTACHMENTS! 

THIS IS TO MUCH CRAZINESS, AND THE CLOSING ATTY IS IN FED SERVING 15 YEARS AN NO ONE WANTS TO TAKE RESPONSIBILITY! WE DON'T THINK SO!!!! 

IF THE ORGINATION IS FRAUD THE COMPLE PRROCSS IS FRAUDULENT. PEOPLE CAN'T GO AROUND SELLING AND BORROAWING PEOPLE 'S CREDIT AND MONEY TO MAKE THEMSELVES WEALTHIER! NOT ON THIS WATCH!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, which has resulted in fraudulent accounts and inquiries being added to my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries from my credit report as they were opened or made without my authorization : Accounts to be blocked and deleted : 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 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: Credit card

There was an unauthorized payment for {$170.00} from my bank account to capital one bank on XX/XX/2024 and XXXX XXXX. I called on XX/XX/XXXX. They kept saying there was no payment although it shows up on my Capital one account and my bank account. They refused to refund the amount and the supervisor was rude and useless.
Product: Credit reporting, credit repair services, 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXX**** Balance {$13.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}