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

Upon starting the audit of my personal credit reports, I found multiple inaccuracies from SYNCB Walmart and SYNCB XXXX. The inaccuracies range from incorrect balance reporting, credit utilization, payment history, last activity of the account ( s ), and date of closure. I've been constantly harassed by XXXX XXXX XXXX for quite some time. Apparently, they've sold these accounts to this third party, but the original creditor is constantly reporting negative and blatant inaccuracies. I've even been attempted to be served with court documentations from this third party collection agency. I've asked for documentation of this alleged debt via certified mail, and I was provided with frivolous documents. I now have a pending judgement against me in the local courts with completely false information. I plan to sue in small claims court if not mediated via Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

I DO NOT ACKNOWLEDGE THESE INQUIRIES XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX  XXXX Balance XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX
Product: Debt collection

I am filing a complaint against a debt collector unbeknownst to me for repeated, daily calls with no voicemails or other information. Since the beginning of XXXX, I have received multiple calls from various phone numbers, including XXXX and XXXX. This month alone, I have received nine calls from the same number with no voicemails or other information. This has been an ongoing issue for the past two months and I have logs of all the calls in my call history.

I believe that this constitutes harassment and I am requesting that the CFPB investigate this matter and take appropriate action.
Product: Debt collection

This agency was contacted in regards to removing the inquiries from the collection agencies off of the account and as a result of pursuant of credit debt collection and obligation to rightfully submit debts and documents and not oppose the debt in a way from non fair communication efforts that would therefore lead an individual liable for the debt under pursuant of the debt collection agencies laws and regulations. As a result the company threatened to take legal action wrongfully under the pursuant of the law and throughly harassed me for reporting rhis information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paramount recovery is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$360.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g Paramount recovery failed to send me a notice of debt/debt validation and is illegally attempting to collect the alleged debt reporting on my consumer report. I have no obligation to pay Paramount Recovery and Im demanding them to remove the collection account from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstpoint Collection Resources Inc XXXX XXXX XXXX XXXX, NC XXXX The above company sent 7 unpaid bills to my credit report without sending the bills to me. I was under the impression that these bills were sent in as claims to my insurance company ( XXXX ) for payment. I contacted the original creditor and learned that these bills were submitted to a CLEARING HOUSE for potential payment and denied. 

The bills were not sent in as claims to my provider and this was verified with XXXX. 

1. XX/XX/2022 {$40.00} 2. XX/XX/2022 {$140.00} 3. XX/XX/2022 {$40.00} 4. XX/XX/2022 {$40.00} 5. XX/XX/2022 {$110.00} 6. XX/XX/2022 {$40.00} 7. XX/XX/2022 {$4400.00}
Product: Payday loan, title loan, or personal loan

I took out an {$800.00} loan from XXXX XXXX XXXX in XX/XX/XXXX and since then have paid more then that amount and will continue to pay more then 3 times that amount before the loan is paid off. I was not able to view the paperwork for this loan before it was officially given to me and was not able to look at it for awhile afterwards either. There was always something wrong with my login information. When I finally was able to get into my account I seen that I would have to pay over {$3000.00} before the loan was completely paid off. I did not know that the interest was that high. Since XX/XX/XXXX I have paid over {$1000.00} already. I would like to not have to pay anymore money to this company since I have already paid back the loan in full.
Product: Prepaid card

I have an AmEx gift card given to me by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is for {$250.00} and has an expiration date of XX/XX/29. It was declined by XXXX different merchants. When I called AmEx, they told me it was taken by the state as XXXX XXXX As the gift card was not related to me by name, there is no recourse with the State. 

Amex Gift Card # XXXX XXXX XXXX ; Valid thru XX/XX/29
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit score was low. I told him to show me my score and report. There are items on my credit that do not belong to me. These items need to be removed. 

XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX   XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXXX {$60000.00} XXXX XXXX {$250.00} XXXX XXXX XXXX   XXXX {$600.00}
Product: Payday loan, title loan, or personal loan

I purchased a 5 karat diamond engagement ring on a promotional plan with 40 % off. I got the ring from Zales from XXXX XXXX in XXXX, WI in XX/XX/XXXX with 18 months to be paid off and avoid {$20000.00} in interest. I also purchased another ring from the same store and the sale person explained to me that now that I have two accounts I must call Comenity Bank when I make a payment to request the funds to allocate to which ever account to be applied. Second purchase was on XX/XX/XXXX another promotion plan with 12 months to pay off. I made a {$400.00} payment and called it in to be allocated for plan XXXX, which is the first purchase. When I received my summary I noticed three plans in which it should only be two. I called the Bank and explained my payment wasnt applied and there is an additional account on my bill and requested an investigation and was told how to proceed to their website and make the complaint. I did and they notified me that someone at the company opened up a non- promotional plan and allocated the funds to the account.My funds were allocated to the account that I intended and paid the plan XXXX off on time. Plan XXXX is the only thing I should be paying for but, I noticed the Revolving charge account is still active on my account. I called back to ask for it to be removed and had to repeat the process for an investigation 3 more times.This bad practice is intended to frustrate the customer and reps starting to be rude and disrespectful. I last contacted the bank on XX/XX/XXXX to inquire about the investigation and how much is the balance on my bill and the rep wouldnt let me talk to a manager or supervisor
Product: Debt collection

Subject : Request for Investigation and Removal of Inaccurate Debt Reporting. 


I am writing to file a formal complaint against Unifin Inc. regarding their failure to substantiate a debt they claim is owed by me. I have sent them a written request for debt validation, but they have not provided the necessary documentation within the prescribed timeframe. 

I believe that Unifin Inc. has violated the Fair Debt Collection Practices Act ( FDCPA ) and the New York Regulation 23 NYCRR 1.4 by refusing to comply with my request for validation of the debt. I am seeking your assistance in resolving this matter and having the inaccurate account removed from my credit file. 

Details related to the debt in question are as follows : - Amount owed : {$890.00} As per 23 NYCRR 1.4 ( c ), Unifin Inc. is required to provide substantiation of the debt, which includes the following : 1. The signed contract or application that created the debt, or, if neither exists, a copy of a document given to the alleged debtor while the account was active, demonstrating that the debt was, in fact, incurred by the debtor. If the debt was incurred under a revolving credit account, this could include the most recent monthly statement showing a purchase, payment, or balance transfer. 

2. The account statement at charge-off, or equivalent document, that the original creditor issued to the consumer.

3. A statement describing the debts complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale, and transfer.

4. Records showing the amount and date of any prior debt settlement agreement in connection with the debt agreed to after the effective date of these regulations. 

I have also exercised my rights under the FDCPA to request verification and validation of the debt from Unifin Inc., but they have failed to provide the requested information. As a result, I am unsure of the validity of this debt and believe that it is inaccurate. 

I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take the following actions : 1. Instruct Unifin Inc. to remove the inaccurate and unverified debt from my credit file if they fail to provide the required substantiation. 

2.Take appropriate actions against Unifin XXXX for their failure to comply with the FDCPA and applicable regulations. 

I have attached a copy of the written request I sent to Unifin Inc. for your reference. Additionally, I have included any relevant supporting documents that may assist in your investigation. 

I understand the importance of accurate credit reporting, and I believe that resolving this matter is essential to maintaining the integrity of my credit profile. Your intervention in this case is greatly appreciated. 

Please acknowledge receipt of this complaint and provide me with any updates or actions taken to address the issue. Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and Experian but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

Account type is reporting as Collection for XXXX and Unknown - credit extension, review, or collection for experian. XXXX is reporting the date opened as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. These are a violations of my rights per the fcra
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/ or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : *XXXX  XXXX- Account # XXXX This account reports Date Opened showing 3 different dates from TransUnion and XXXX. The Date Last Active on this account shows XXXX different dates from TransUnion and XXXX. As well as the Account Status. It should be reporting the same information across the board. Please DELETE for inaccuracies * XXXX XXXX- Account # XXXXThis account report multiple inaccuracies, Account Status, High Credit, and Date Last Active reports different from TransUnion and XXXX XXXX The dates and amounts should match the same across the board and it doesnt. Please DELETE for inaccuracies. 

XXXX Account # XXXX This account report multiple inaccuracies, High Credit, Credit Limit amount, and Date Last Active reports different from TransUnion. The dates and amounts should match the same across the board and it doesnt. Please DELETE for inaccuracies. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX  Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX
Product: Mortgage

I writing this email as a written notice of the formal complaint I will be making to each one of the government agencies that I was told govern this process. This complaint is due to the lack of professionalism, sense of urgency and overall unexplained complications of this process. I mailed a check for the amount of XXXX dollars to the XXXX XXXX department on XX/XX/2018 and it was received XX/XX/2018. I was informed that the process of issuing the third of the draft should take 24 hrs processing once the check is received and 2-3 business days to be mailed to me. As of today it is XX/XX/2018 and not only have I not received the monies but when I called today to request the tracking number for the check that I was told by one the customer service reps, would be mailed over night because of my inconvenience, I was then informed that the check is not being mailed today but is cut in texas and will be mailed to new york and then mailed to myself ( in georgia ) which could also take 2 to 3 business days. So I would like to know who is to be held responsible for the extended time that me and my family are out of our home as well as the out of pocket expenses I'm incurring because I was told to start the process of repairs because I would receive the check in a timely manner.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally file a complaint against a debt collector regarding a closed installment account with an outstanding balance of {$200.00} and a limit of {$0.00}. I assert that this debt collector engaged in abusive and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692, which protects consumers from misleading and unfair practices. 

I want to emphasize that I did not participate in any legal contract related to this account. Furthermore, the debt collector failed to adhere to the proper five-step validation procedure mandated by the FDCPA, rendering their actions not only unfair but also illegal. As a consumer, I am entitled to protection under the law, and the failure to follow these procedures constitutes a violation of my rights. 

According to the FDCPA, I am entitled to damages of up to {$1000.00} per violation, and I believe that this debt collector 's failure to validate the debt appropriately warrants such compensation. 

I request that the CFPB investigate this matter thoroughly and take appropriate action to ensure that my rights are upheld. I also ask that the closed installment account be deleted from my credit report due to the violations described above. 

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

on XX/XX/XXXX I NOTICED PENDING TRANSACIOTNS ON MY ACCOUNT THAT I DID NOT RECOGNIZE. I proceeded to report it to AMEX SERVE however I was told that nthere was nothing that they could do whikle the charge was still pending. On XX/XX/2021 i notified your organization ( American Express Serve, ect, ) of two charges that appeared on my account that I did not make. ( These charges and their specifics can be found in the attachments to this communication. Furthermore, in addition to not making the aforementioned charges I did not authorize, nor did I authorize another party, know of, or benefit in anyway from the transactions that were/ are in question. 

Despite the above facts, AMEX SERVE sent a communication to me on XX/XX/2021, indicating that they had investigated the matter and concluded that the transactions were infact authorized. Also, somewhat related to this issue ( but NOT THE SUBJECT OF THIS COMPLAINT. ) said organization sent me notice ( within moments of their email stating they completed their investigation on the unauthorized transaction. ) and this notice stated that my account was permanently suspended. No further information was given and subsequently I was locked from my account and other information. 


As prescribed by law, I have made demand on said organization for the materials that they used in their determination. All requests are not answered. Customer Service states that the account is permanently locked and they cant see or disclose anyhting I am not resposible nor am I suffering the lose for such transactions.
Product: Mortgage

I was trying to get pre-approved for a mortgage with the builder XXXX XXXX. They used the Transunion credit report to process my application. I did not mention anywhere that I would like other lenders to contact me. 

Transunion seems to have shared my mortgage application with their partners and I have been getting numerous calls and text mentioning that Transunion has shared my contact information with these lenders. Its a critical breach of trust and Transunion has no right to sell my personal information - including my email address and phone number without my express permission - that too for mortgage applications. They had no role to play here other than giving XXXX XXXX my credit information.
Product: Student loan

I applied for loan forgiveness for XXXX University and XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX was part of a lawsuit and lost, I was told that I qualified for loan forgiveness as I fall into the category of the lawsuit. When I call to check on my application I always given a different timeframe, first I was told 30 days, then I was told 3 years, and the last phone call I was told by the end of XXXX or XXXX I would have an answer. Every time I call I'm told something different and I don't know what to believe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1861 section 604 A Section : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

After reviewing my credit report I found information, which needs to be corrected. ERC is illegally reporting a collection on my credit report due to the account being discharged in my Chapter XXXX bankruptcy. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report. I am requesting that the item be deleted to correct the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX Account NameXXXX, XXXX. 
Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$280.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$280.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$280.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX Payment History Account XXXX  XXXX Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid in settlement. {$430.00} written off. 
Status UpdatedXX/XX/XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Credit Limit {$300.00} Highest Balance {$430.00} TermsNA On Record UntilXX/XX/XXXX Payment History General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXXXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$4100.00} written off. {$4600.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$4600.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$4500.00} Highest Balance {$0.00} Terms34 Months On Record UntilXX/XX/XXXX Payment History Account NameXXXX XXXX XXXX Account NumberXXXXXXXXXXXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid in settlement. {$2000.00} written off.

Status UpdatedXX/XX/XXXX fcra violations not mine remove it XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violaitons never late
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX