23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

From XX/XX/XXXX to XX/XX/XXXX they have called 47 times, sometimes 3 to 5 calls a day.

I have told them several times that we do not acknowledge this debt, but they continue to the point that I stopped answering the phone. The company is Diversify Adjustment Services.

I have a wife that had XXXX XXXX XXXX, but they keep on Colling.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Re : Feedback, XXXX, USAA ( XXXX credit card ) Interest dispute : Interest of {$5.00} occurred as a result of USAA failure to provide billing statements as reported to USAA in complaint. All interest an fees were to be removed to this lack as reported in complaint. Complaint contains name and date of my talk with USAA rep. Repeated calls to USAA requesting copies of statements were ignored for months. Finally USAA provided the statements for review for accuracy before payment. Payments were late due to USAA 's failure to provide statements in a timely manner. Many phone calls were made to USAA. No one had taken action to resolve the problem. I had informed USAA that payments, including the {$160.00} payment could not be made until I received the statements. The reps understood this. Payments due were paid in full. The {$5.00}. should not have been billed. 

As to credit limit, I repeat that I never received USAA ' letter and nor otherwise informed of the reduction from {$20000.00} to {$2500.00}. Repeated phone calls to USAA requesting a copy of the letter were ignored. Even after the complaint USAA saw fit not to send a copy of the letter. 
USAA sent a negative remark to the Credit Bureaus resulting in at least a 26 point reduction in my score. Apparently, USAA reduced the limit based on the late payments caused by the company. Such action is unacceptable considering the facts. USAA never provided the " Remark '' sent to the credit bureaus upon my requests. delayed payments were due to USAA 's long delay in statements. 

As to contacting " staff : '' staff has not been cooperative in resolving either issue. Simply put, it's a waste of time. Note that USAA would not send me letters in reply to mine, but provided CFPA a broad statement that could have been given to me 10 months ago.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agencies, I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX Account # XXXX to your agency, [ ExperianXXXX ] XXXX and XXXX believe that this entry is inaccurate. The payment in question is identified as late, but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws.

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX Account # XXXX regarding this account should not be included in my consumer credit report. 
Furthermore, 15 U.S. Code 1666b prohibits a creditor from treating a payment as late unless they can show that the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date. This is an essential element for justifying any late payment reporting. 
Requested Documentation : In order for XXXX XXXX XXXX Account # XXXX to justify reporting this payment as late, they must provide proof of compliance with the following : 1. Proof of Compliance with 15 U.S. Code 1637 ( b ) : I request documentation showing that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date.

2. Detailed Documentation : Under 15 U.S. Code 1637 ( b ), specific information must be included in the periodic statement. Please provide documentation that proves the statement was issued in compliance with these requirements and was delivered within the legal timeframe
Product: Mortgage

On XX/XX/year> I did a application with XXXX XXXX to receive financial aid on purchasing and new mobile home with land. Was told to expect phone call from Mortgage companies. On XX/XX/year> I received a call from XXXX XXXX who told me that they did not off assistance on single wide mobile homes, so on to the next one from XXXX XXXX  who did offer so we decided to proceed with application process. Then I got a call from Amerisave Mortgage who said they did offer also, but I needed to pay for a credit check. I asked why I needed to and was told that they don't get to see my credit pull from the application that they have a system that alerts them when someones gets checked for a Home Mortgage Loan. I paid {$41.00} And then transfered to their financial dept. I was then told that they did not offer assistance for what I needed so I asked for a refund for the credit check. The guy asked why I explained the girl I talked to said they did so since he is now saying they don't that I was defrauded by this company and they needed to make it right. He hung up so I called the number back and got the same guys XXXX. Gave my name, phone number and explained I was the guy he just hung up on. I called back several more times and no response. Amerisave Mortgage is a rip off and if they did that to me imagine how much money they have defrauded people out of.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish These accounts. 

XXXX XXXX bankruptcy dismissed Date XXXX Case number XXXX XXXX XXXX bankruptcy dismissed Date Filed XX/XX/year> Case number XXXX
Product: Debt collection

I have a debt from XXXX, which I was XXXX for and also filed bankruptcy upon release in XXXX. 

I provided proof of XXXX  in XX/XX/XXXX and today XX/XX/XXXX. I called and asked why I was still receiving collections and Benjamin chaise and associates told me they were still coming after me they did not care about the bancruptcy they would keep coming so pay my XXXX bill.
Product: Checking or savings account

On XX/XX/22 at the XXXX branch wwe deposited with a teller $ XXXX into our business checking account using two checks each for $ XXXX. One check we deposited from XXXX was misplaced by Bank of America upon deposit and therefore never credited to the account. Upon asking the bank what happened, they incorrectly told us the check was titled incorrectly and not deposited. Upon further research from Bank of America, they then proceeded to tell us they have no record of the check being deposited and do not even have a imaged check. The branch manager XXXX XXXX was the one who gave us incorrect information about the check being addressed incorrectly. We had to find out out from the customer service line the check was never deposited. We then told BofA we need a indemnity letter signed by them from XXXX. We gave BofA the information for who to speak with at XXXX to receive an official draft to sign. BofA proceeded to sign a unofficial draft and deliver back to me which would not work. Upon asking BofA to communicate with XXXX, they indicated they could not communicate with anyone outside of their organization. Although they lost our check and our business is running low on funds, they have been of no help in trying to get us our funds recovered.
Product: Credit reporting or other personal consumer reports

I have pleaded to this company numerous times that this item is part of identity theft and is currently being investigated by law officials and they have purposely disobeyed my request to remove this account from my name. I have also asked for documentation and they also ignored that request. This company has blatantly violated my rights under FCRA 18 U.S. Code 1028A - Aggravated identity theft. 

XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX The Credit Bureau has also broken the following laws : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit card

On XX/XX/XXXX I called the number provided to request information regarding my account and making a payment. I was told my account would close in XXXX days, unless I made a payment before then. I immediately made a payment. I was then told, by a different representative, that my account was already closed ( something that did not appear online via the customer portal ) - and the situation was escalated to higher support staff. The staff member informed me that they were creating a case that would trigger an investigation in which the previous call ( described above ) would be reviewed, and someone would contact me thereafter. After not receiving any correspondence, I logged into the online portal on XX/XX/XXXX and to my surprise, it read that my account was closed. I asked for information regarding the case, and was told that was inaccessible to the agents I have access to speak with on the phone. I was told another case was being generated and that I could expect correspondence in XXXX  business days. I received a call on XX/XX/XXXX informing me that my account was closed, no resolution, and that there were no other steps to take in this matter.

I was quite frankly lied to and made a payment under false pretenses and promises made to me by the representative I spoke to.

I was not previously notified my account was closed, or on the brink of closing, until the representative gave me the XXXX deadline- just to find out that was not factual. In my professional opinion, the payment was made under duress and false pretenses to ensure my account would be in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the fair debt collection practices act 15 us 1692 ( b ) ( c ) ( g ) by laws I did not give this collection agency the right to place/furnish anything on my credit report. They are in FDCPA violations, I have a right of protection from disclosing my debt/information to others by law it is the consumer reporting agency resposibility to protect my rights from furnishing my credit report with the following documentation such as Consumer statements, Public remarks, Closed accounts, Inquiries, Closed statement remarks, Late payments/remarks/Victim of fraud statements on all three credit beuruas Equifax, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an incorrect coding of the XXXX/XXXX   partial account number XXXX. This account actually needs to be coded as an M1. (  Please see pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Mortgage

I started the loan assumption process in XXXX of 2023. I filled out all the paperwork that they required and mailed it. I followed up a couple weeks later because I had not heard anything. They told me that they had lost the paperwork. I then found out I could email the paperwork instead of mailing it so I did that XX/XX/XXXX. Neither I nor the assumer has gotten any communication from Mr Cooper. I have called every single week and all they say is that it is in the funding stage and they should be reaching out to the assumer. The assumer has not been contacted by Mr Cooper by mail or phone or email. I tried to get a manager to call my XXXX and they said the latest I would get a call back is XX/XX/2023. I have not received any callback on this. I have tried everything I can do but they wont give me any real updates and they wont give me a point of contact.
Product: Debt collection

LOCKHART MORRIS & MONTGOMERY DEBT COLLECTION COMPANY IS REPORTING ON MY CREDIT REPORT AS AN OPEN ACCOUNT DATE AS OF XX/XX/23 WHICH IS INACCURATE. I AM ASKING THEM FOR AN AUDIT TRIAL OF. THE BALANCE. TO PROVIDE ME THE AGREEMENT THAT GRANTS THEM AUTHORITY TO COLLECT THIS ALLEGE DEBT. ALSO PROVIDE ME THE MASTER BILL. OF SALE.
Product: Credit card or prepaid card

Hi yes I have 3credit cards with capital one bank. I keep making payments every month. Trying too get balance lower but stats at over limit??? Like too get help lowering the interest so I can catch up. I'm on XXXX going thru hardship also. Don't Wana have too do chapter XXXX bankruptcy. Don't Wana ruin my credit. Hoping I can work with capital one. And get payment lowered or at least get interest down.
Product: Credit reporting

My info was crisscrossed with that of my father. HE has a tax lien that appears on MY Experian credit report and not on HIS.. although this same item appears on both HIS XXXX and XXXX reports and not on MINE. Item in reference docket # XXXX. Upon further investigation noticed that the addresses of XXXX XXXX County recorder differ from my Experian report and his XXXX reports from XXXX and XXXX but ALL XXXX have the exact same dollar amount due {$7400.00}. and SAME docket reference number # XXXX. documents uploaded to support my dispute.
Product: Credit reporting or other personal consumer reports

Collection Company continues to report incorrect information on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I asked the credit bureaus to do a verification of everything on my credit report. They did, stating that everything is accurate. I did a thorough research myself and found improper inaccuracies. In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX XXXX XXXX accounts listed below, has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A, states I have a 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 written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon hearing about the Equifax data breach I visited their website relating to the data brach : www.equifaxsecurity2017.com. 

I followed the steps to see if I was affected and they responded they believe it was the case. However, instead of giving me the option to enroll in their credit monitoring service they automatically enrolled me in it. The fine print implies this waives my right to be part of any lawsuit against them for this data breach. To be clear, I was automatically enrolled in a service without my consent that limits my ability to protect my rights as a consumer from this data breach. Furthermore, the response I received that I was likely involved and that I would be enrolled in their protection plan soon is offensive. Given the time that has elapsed since they knew about the issue the fact that they can not say definitely based on me inputting my social information is illogical. 

This abusive action combined with the news that their executives knew about this data breach for over a month before notifying internal public and that they had sold shares of their stock prior to revealing the breach shows me a company that clearly does not respect their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Bureau account Pursuant to18 USC owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b. 2.Company has also No permission to report anything using my info pursuant to 15 USC 1681 4. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

An individual American Express Account number that I did not open is reporting on my XXXX Credit Report as a charge off. That is not the individual American Express account number or physical credit card that I have on record in my personal files, nor has American Express ever contacted me about that account number. XXXX XXXX claims that it conducted a reasonable investigation which involved contacting American Express to verify the account. That account information is inaccurate. XXXX XXXX is noncompliant and negligently violating my federally protected rights to 100 % accurate and fair credit reporting. I have requested verification numerous times on this matter from XXXX XXXX and filed several, prior complaints through the CFPB, one of which is still open. Please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report in I saw a collection that I have no knowledge of by the name of XXXX XXXX XXXX XXXX after look more into it I notice its from a place that I already disputed in the past they are just under a new name or it maybe even a new company it was removed from XXXX XXXX but its on my equifax and also XXXX report under a different name and they keep reporting different amount that I owe in the amounts are being reported different on both agencies and it keeps changing up until recently I disputed them again in the tried to correct the amounts but it all lies that's why it was removed the first time they have no proof that i owe them anything and its causing me to not be able to get approved for anything I have proof of the inaccurate information on my report i would just like for this account to be removed
Product: Student loan

I applied for PSLF in XXXX of XXXX when I realized I had made the 120 payments required to qualify for forgiveness. It has been a year and 3 months since submitting my PSLF application, and despite having over 120 qualifying payments on all seven of my loans, only two have been forgiven as of XX/XX/XXXX. This has left the rest of my loans in limbo during this time. The unresolved status of my loans is negatively affecting my credit and preventing me from achieving personal and financial milestones. I have tried multiple times to contact MOHELA ; the phone numbers available either redirect you to the Federal Student Aid ( FSA ) office or disconnect without offering help. I have tried chatting online and no one can give me even an estimated time frame on when to expect to see my account reflected correctly. These online chat options fail to provide clear timelines or solutions. I've received no updates or estimated completion dates, only notices about my payments restarting ( which I shouldn't be receiving considering I won't be making any additional payments ), adding to my frustration and uncertainty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with AUTOMOBILE ACCEPTANCE CORP account # XXXX and the account was paid off. Since the account has been paid off, I continue to look at my credit reports from XXXX, XXXX  AND XXXX XXXX and continue to note this account continues to be re-aged by the credit bureaus adjusting the charge off date/ status of the account. As a result, I have disputed this item directly with the credit bureaus XXXX, XXXX  AND XXXX XXXX and each time the credit bureaus report the account is verified as ACCURATE via AUTOMOBILE ACCEPTANCE CORP. As a result, I have disputed this account directly with AUTOMOBILE ACCEPTANCE CORP via letter and via phone calls and each time, AUTOMOBILE ACCEPTANCE CORP states they are note responsible for the reporting of the account and I must dispute directly with the credit bureaus - in which I have SEVERAL times and AUTOMOBILE ACCEPTANCE CORP continues to ignore my requests.

Even when I send evidence with my disputes, the credit bureaus state the account is verified as accurate via AUTOMOBILE ACCEPTANCE CORP. With the continued evidence and detailed disputes, AUTOMOBILE ACCEPTANCE CORP and XXXX  , XXXX XXXX continue to verify the account as accurate. I have included the letters I have sent AUTOMOBILE ACCEPTANCE CORP with copies of the inaccurate credit reporting. I need help to ensure my rights under the FCRA is protected. According to the FCRA to avoid the illegal re-aging of this account by the credit bureaus ( inaccurately changing the date of first delinquency on a consumers account to a later date ). According to the laws of the FCRA If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. In addition AUTOBILE ACCEPTANCE CORP violated my rights when it failed to action. According to the FCRA when information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions. This didnt happen and I demand this account be removed for FCRA violations. Even my letter to the CEO has gone unanswered. PLEASE ASSIST Me