23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ERC has been on all XXXX of my credit reports for an alleged debt they bought from XXXX XXXX in the amount of {$130.00}. This has been listed since XX/XX/XXXX. 

I sent an email to get more information and get this validated by ERC on XX/XX/XXXX. I never got a response. 

I got an alert today that a new collection item was added to my credit report. It is the same debt from ERC in the same amount being reported as new as of XX/XX/XXXX. 

This is a violation of my rights.
Product: Payday loan

Filed for a loan over the phone which I understood to have an interest rate of approx % 100. Did the loan over the phone - after the process was complete I received information and realized the loan was for APPROX % 800 Company is taking {$350.00} every two weeks from my account - ( which is overdrawn now ) If loan is payed according to present schedule It will take me nearly four years and approx {$9000.00}. 

I am willing to pay back the loan with a fair amount of interest but this is excessive.
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 XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681section 602 A. 15 U.S.C 1681 604 A section 2. 15 U.S.C 1681c. ( a ) ( 5 ) section. 15 U.S.C 1681s-2 ( A ) ( 1 )
Product: Debt collection

Back on XX/XX/2020, I received a response from this Company which was this -- -- -XXXX XXXX - This office acknowledges receipt of the complaint you have filed with the Consumer Financial Protection Bureau . I have carefully reviewed our account history and have confirmed that instructions were submitted to the credit reporting agencies to have this account deleted from your credit report. On this date we have submitted an additional set of instructions to have this matter deleted. If you wish, I can provide you a letter confirming that your account is closed and this matter should be deleted from your credit history. Please accept my apology for this issue. Please feel free to contact me directly if I can be of further assistance. XXXX XXXX Debt Recovery Solutions , LLC Managing Member/General Counsel XXXX -- -- Since then I have made several phone call attempts to this Company and Mr XXXX requesting that he supplies me with the correct information and name of the Company in which they had tried to collect on a previously discharged Bankruptcy debt for. Because the name that had been given to me when I first learned about this debt and contacted them was incorrect. They told me that the debt was for my XXXX credit card, however after further investigation, this is not true. Therefore, I will once again ask them through this complaint portal for the correct name of the Company that had sold them this debt or the name of the original creditor, preferably just the name of the original creditor would be sufficient. Since I have tried to request this information by telephone, and have received absolutely no response from them regarding this request, I am forced to file yet another complaint through here requesting this information from them. This is unacceptable for them to completely ignore my requests for the name of the original creditor since this has affected me a great deal since the collection had began by this company, negatively affected me I should say since then. It is my right to know the details of this collection attempt if I should choose to request it from them anyhow.
Product: Credit card or prepaid card

I was requested to submit additional documentation by Barclays 2 months ago in order to regain access to my accounts. Documentation was submitted to the satisfaction of the lender, yet I have yet to have my account unrestricted. I spoke with multiple representatives that assured me this had already been done, yet this hasn't happened yet. 

Today, XX/XX/XXXX at around XXXX XXXX  EST I once again contacted Barclays to have all my cards unlocked/unrestricted, 18 minutes into the call a customer security representative tells me he is on hold to resolve this matter and that he can not have my on hold for longer than one hour. I politely explain to the representative that I need this resolved today as multiple representatives have assured me it's already resolved when it is not, and tell him one hour is actually 60 minutes and we are far from that time frame. The representative hangs up on me rudely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to fradulently place my account in " dispute '' status, after I have requested for months for them to remove this dispute language. For the 30th time, I am not disputing anything in regards to that account. I received an e-mail from XXXX XXXX, whereby, she stated : " Per your request on XX/XX/2018, we requested that the credit reporting agencies update their records and DELETE the dispute status from your credit report. '' This letter was dated ( and will be attached ),  on XX/XX/2018. So, I ask, why is the language showing that it's still in dispute when XXXX indicated it would be removed? Also, why was the original case closed, when my credit report was showing this account still in dispute?
Product: Credit reporting or other personal consumer reports

XXXX  I disputed All state credit bureau failure to add notice of dispute by consumer with XXXX 15 usc sec 623 failure to give notice of dispute which is a violation of FCRA and FDCPA... I DID NOT DISPUTE THE BALANCE ... ..Complain # XXXX though the CFPB..I demand this account be removed for this reporting error...
Product: Consumer Loan

rec in the mail offer 6.29 apr, if approved, was approve but came back 11.5 apr their adv is misleading
Product: Credit reporting or other personal consumer reports

I am writing to express profound dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the banks associated with the fraudulent accounts. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be expeditiously removed. It is noteworthy that both XXXX and XXXX have already expunged these accounts from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify these accounts when the aforementioned bureaus have already removed it. I urge you to delete these accounts from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I recently started using the credit card from Capital One For 2 months I never received a statement. So I called capital one and asked them to mail me the statement for the 2 months of usage. 
I never the bills. I called again and come to find out capital one had my address wrong in the system. After the correction I finally received my statements. 
I was charged late fees on 2 different occasions and I was charged four charges of XXXX for cash advances and I only made two cash advances. 
I did speak with a representative who gave me an complimentary fee waiver of XXXX Then capital one turn around and charged an additional XXXX fee. Ive called to inquire why The man XXXX acted as though he was looking into the problem and he disconnected my call Now when I call I am sent straight to voicemail I need help with my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent three dispute letters to Trans Union beginning in XXXX of XXXX in regards of this XXXX  XXXX XXXX account with account number XXXX in the dispute letters I sent XXXX  I told them that this item needs to be deleted because it's inaccurate because Transunion and XXXX  have this account opened on XX/XX/XXXX but experience has this account opened on XX/XX/XXXX so I told them this was an accurate and it needs to be deleted.
Product: Debt collection

Highway  XXXX this payday loan company, now I know about the payday loan tactics and I aas a fan of cashnet for about a year I paid off the debt and reopened it once u get over a certain amount they don't tell you your payments will jump from XXXX to XXXX, almost something that us impossible to afford! But not only that they do have repayment plans where they break up your XXXX but they don't tell you the interest on this. XXXX is XXXX I was paying back XXXX but after paying for 3 months I paid almost XXXX in fees ans interest and guess what I only had XXXX dollars added to the amount I could request back. They are making millions off of us. It really should be illegal the way they collect fees and interest I don't recommend a pay day loan to anyone!! After doing this I had to take out another XXXX just to pay the XXXX thay is dues every month! Then my bank takes it anyway so I have a great score with cashnet because they receive the money either way! What they don't see is now im negative XXXX in my bank accounts with a new XXXX dollar over draft! Its a vicious cycle! They have no leniency and on top of that im drained literally after the fees its like im taking 1 step forward and 3 steps back. I cant figure out how to get out of this. The company will split uo your payment but the only thing that does is adds to the balance which prolongs the loan and enevedably makes you more in debt, or option 2 they will change the date but that adds to your loan that way! There is no communication and it a poor sad company that is draining me and I don't recommend. Im extremely stressed and extremely behind!
Product: Credit reporting or other personal consumer reports

This credit union XXXX  also known as XXXX XXXX credit Union has consistently reported personal information to credit bureaus XXXX, Transunion, & XXXX without any prior disclosures to me or notifying me in anyway 15 USC 1681b- 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 instructions of the consumer to whom it relates.

I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT 15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer report.
Product: Mortgage

I have been trying to remove the PMI payment off of our mortgage and called to confirm the amount over & above the mortgage payment that would bring our loan to value to below the required 78 % on XX/XX/XXXX I was told it was {$12000.00} and we qualified as we have had the mortgage over 5 years and never missed a payment! I transferred the monies and it was in our mortgage account on XX/XX/XXXX I have the confirmation from XXXX XXXX, I have emailed 5 times and called 5 times and now spoken to a Supervisor called XXXX  ID Number XXXX and they are telling me I now have to wait until XX/XX/XXXX! to get my refund back when they are still charging me for the PMI when I have contacted them numerous times to have it removed and refunded. Please can you help me.

They ignore my emails, they ignored my written correspondence, they have never returned any of my calls, yet they have charged me {$230.00} x 2 PMI and still continue to charge when my LTV is lower, I did not pluck that amount out of the sky to reduce my mortgage they told me the amount, they record all their calls so they need to listen to them and refund me the money they are charging me, I have wasted hours and days on this, I pay my mortgage I have never missed a payment and yet they penalize me!
Product: Debt collection

The collection was opened by DEBT RECOVERY SOLUTIONS  on XX/XX/XXXX showing a debt of XXXX$. Giving a super high impact to the credit score. I did have a medical bill for XXXX$ back in XX/XX/XXXX that I was trying to pay off, but I never had ANY medical situations for the past several years, so this collection account is totally wrong and impacts my credit score with a wrong information
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX I 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$610.00} ; XXXX  XXXX XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$8700.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$0.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with United Wholesale Mortgage and they granted a 3-month forbearance due to the coronavirus. I received notification that the forbearance was granted, yet I got a message that they sent a bill ( during the forebearance ). Then they sold the mortgage to XXXX XXXX XXXX. I called United Wholesale Mortgage to ask them to send accurate information and they did not, instead they reported me to XXXX. Then I received notification that XXXX XXXX XXXX  had transferred the forbearance, today, I received a letter from XXXX XXXX XXXX saying that I'm two months behind.
Product: Debt collection

I had a medical bill that my insurance did n't cover. It 's been over a year since I was hospitalized. In  XXXX  I noticed on my credit report that I have a collection account that I never heard off. It was the amount of  XXXX  As soon as I fount out I called the collection agency and paid the bill, but it looks like they never reported it as paid.
Product: Debt collection

On XX/XX/22, I requested a debt validation from the company named in this complaint. As of today, the exceeded my right with F.D.C.P.A to provide validation of the debt. My request was sent via this portal after CSC had taken ownership of said debt. My address is the same as they stated ( see below ) that they checked my credit profile to locate me. As I had never received any documentation prior to the proceeding of these complaints. My credit profile was checked in XXXX and I was not contacted until XXXX while the accounts had already been placed on my credit profile. Please see previous correspondence attached to complaint number XXXX and XXXX.
Product: Payday loan, title loan, or personal loan

My friend called in to One Main Financial in XXXX, NC to make a payment for me. The lady who took the call,,, XXXX XXXX ... went into detail about my account to my friend. I know this is a violation of my consumer rights. I called their corporate office and filed a complaint. Asking for some type of compensation be done to my account. After jerking me around for a month, I receive a letter from them saying that, no harm was done to me because of this phone call.
Product: Debt collection

XX/XX/XXXX I made my last payment of {$82.00} I had a balance with late fees that I asked to be removed but they said no XX/XX/XXXX {$3700.00} now they are asking me to pay {$4400.00} to take me to court which I received the paperwork opened with a breech of privacy it was sent to the wrong house. And a random man dropped it off XX/XX/XXXX. In XXXX of XXXX I called the credit card account and told them that because of my XXXX XXXX XXXX  and me living with them if they could pause my payments because I was waiting to be XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and told them I would be moving which is the new address they have on file. They arent helping with access to the account to check the statements or anything.
Product: Credit reporting or other personal consumer reports

I found inaccurate information in my TRANSUNION credit report. I tried to fix the issue by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as Payment status, payment history, date opened, and balance are still being reported. My rights were violated. According to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C.

Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

I have an account XXXX in regards to predatory and collection practices of Green tree servicing. I now have XXXX mortgages with them my primary house and an inherited property. They are unreasonable unaccomadating menancing and treat you like a homeless XXXX person reprimanding me at every turn. It was stated by one of the representatives if you are a XXXX and you make this much money you have no excuse to fall behind on your mortgages!
Product: Checking or savings account

I received an email from a company called Chime around XX/XX/XXXX that I opened an account and a debit card would arrive to my house soon. I also received an email from them about a line of credit. I never knew this company even existed. I never opened an account with them. I know my data is online from several data breaches and I have now taken steps to protect myself. Either someone tried to steal my identity or Chime is opening false accounts to inflate their numbers. It is really suspicious to me because the account was opened after I froze my credit. Really strange. Chime had my social, phone number and address. A debit card did arrive in the mail to my home. I tried contacting Chime via phone call & could not get to a person without them dropping my calls after a few minutes. After the first couple times it happened, I knew it was no accident and it's their intentional practice to make contacting them for assistance difficult. I finally found their email online & was able to communicate with them in writing to close my account. The auto message I received before connecting to a person said their email communication is ceasing after early XX/XX/XXXX. That's so wrong of them with how their customer service calls worked in my experience. I'm glad I was able to close my account with them ( hoping they aren't lying ) but something shady is going on with either Chime and/or my personal information. Like I said earlier, I have frozen my credit but I also bought a credit/data monitoring service & made a pin with the IRS. Other than that I don't know what else to do...
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute to correct the inaccuracies and Metro 2 reporting violations that appear on my credit report. The following accounts have been reported in a manner that directly violates the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 format requirements. 
XXXX  [ XXXX ] 1. Conflicting Account Status : Reporting the account as both " Current '' and " Closed '' is misleading and non-compliant with Metro 2 standards. 
2. Dispute Status Error : The status " Account Not Disputed '' is inaccurate and violates 623 of the FCRA. 
3. Late Payment Error : The account shows a 30-day late payment, which contradicts the XXXX balance and closed status. 
4. Inconsistent Reporting : Dates of last payment and activity are misaligned across bureaus. 
XXXX XXXX Account Number : [ XXXX ] XXXX. Duplicate Late Payment Marks : The account shows repeated 30, 60, and 90-day lates, suggesting inaccurate reporting. 
2. Inconsistent Dispute Status : Remarks indicate that disputes were resolved, yet the status remains " Account Not Disputed. '' 3. Misaligned Dates : Dates of last activity differ significantly between bureaus, undermining reporting accuracy. 
4. Balance and Term Length Issues : Term length and balance reporting are inconsistent, affecting the validity of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts, below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681.

Online Information Services Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnishing an account without my written instructions.

15 USC 1681 C ( 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 conviction or crimes which antedates the report by more than seven years.

15 USC 1681 s-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 an accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy on my consumer report around XXXX XXXX to Transunion, XXXX and XXXX aksing them to remove the XXXX  XXXX bankruptcy from my consumer reports because they did not have permissible purpose. Pern the Fair Credit reporting act 15 USC1681b permissible purpose to furnish my information to any third party. I am met with repeated responses that it has been verified and will not give me proper information as to how it was verified and did not adress the above reference sttute. I would the bankruptcy removed from all 3 credit bureaus. I have disputed this item numerous time only to get the same results.

I Would like to seek damages of : 1 ) Defamation of character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections practices Act 15 USC 1692g violations 4 ) Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil Liability for willful noncompliance [ 15 U.S.C. 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

A LOAN WAS OPENED FROM XXXX XXXX ON XXXX OF 2019 FOR {$26000.00} WITHOUT MY AUTHORIZATION. NO RESPONSE FROM COMPANY.