23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I continue to get robo calls from General Service Bureau to my CELL PHONE number. I do not know this company, I don not owe any money this company and I did not give this company permission to call my CELL PHONE with the use of an automated dialer. The TCPA prohibits companies from using automated dialers to call CELL PHONES. Of the 20+ calls I have received from General Service Bureau on my CELL PHONE with their automated dialer, not one time has a person been on the line. All 20+ calls, I hear a serious of beeps for 10 seconds then a hang up. When I call the number back they put me on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! I have listed all details below XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me XXXX ) XXXX XXXX # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX XXXX  # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 
XXXX XXXX. XXXX Section XXXX A, states I have the right to privacy. 
XXXX XXXX. XXXX Section XXXX A section XXXX, states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX. XXXX. ( a ) ( XXXX ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 that the information is inaccurate. 

List of accounts/ account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of addresses XXXX XXXX XXXX XXXX XXXX # XXXX GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX GA XXXX XXXX XXXX XXXX # XXXX GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX GA XXXX Incorrrect spelling on XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX statement on my report should be removed, the above accounts, inquires, and incorrect spelling of name also should all be REMOVED.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable reinvestigation of disputed information on my credit report leaving an inaccurate or unverifiable account unresolved the consumer financial protection bureau has recently filed a lawsuit against Equifax alleging systematic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and falling to Adequately notify consumers of dispute outcomes these failures align with my experience where Equifax has neither corrected nor removed disputed items despite the evidence I provided Causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as equifax inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I pulled my credit report from XXXX and noticed an account listed as " Joint Account '' for SYNCB/CARE CREDIT. I have never been had a Joint Account with anyone other than my husband. I called and found out that this account is for Dental or Medical, I have always had full Medical and Dental Insurance through my husband 's employer, XXXX and would not need to have an account with Care Credit. My husband passed away in XXXX so I have no way of asking him if he knew anything about this account. I wrote to XXXX asking them to investigate this account because I am sure I never opened the account. Received the XXXX response to my request which was, " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' The report showed who the account holder is and I do know the person but I never opened the account as a joint holder with this person who used to work for us on and off and she moved out of state. This account was opened fraudently without my knowledge. The account holder could cause my perfect credit score to downfall or could open other accounts with my information since she apparently had access to it at one time.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I was applying for a job with this company XXXX XXXX and their security company named XXXX XXXX did my criminal background check. The criminal background check came in and I was sent a copy and so was the company. I looked at the information on their report and they have my social security number in XXXX NV, XXXX and I have never lived nor have I ever been to XXXX NV. So someone in XXXX NV has got my social security card number and they are using it for illegal and criminal activities and they are misusing and misrepresentation of me when I was born and raised in XXXX XXXX NC. I live in XXXX NC.
Product: Credit card

I have outstanding debt to AARP Chase Visa Credit Card in the amount of {$14000.00}. I am an XXXX XXXX who I recently lost my life partner of XXXX years and XXXX adult daughters. XXXX of my daughters left me to care for my XXXX granddaughter ; and the other daughter had serious health issues which resulted in financial debt, which all ultimately became my sole responsibility. Rather than allow my recently deceased daughter to live in the streets because she was destitute and out of work, I took her in and paid most of her expenses until her death on XXXX XXXX, 2015. I am willing to pay my debt ; however, I feel I am being unfairly treated by Chase and harassed by collections phone calls. I feel that Chase has discriminated against me due to my age because I am XXXX, on a fixed income, and receive public assistance. Although I am willing to pay my debts, they will not work with me to establish a reasonable payment plan for my current income. Furthermore, they know I have no immediate family to help me understand my liabilities and the Chase calls have been both confusing and misleading to me. Chase has been purposely trying to get me to verbally agree to something I can not possibly fulfill for a monthly payment. I also feel that Chase has treated me unfairly because they have been harassing me with collection calls, even though I have opted out of phone calls. Because of the harassing calls from Chase, I felt pressured into finding a financial solution ; and as a result, I was scammed by a debt consolidation company, leaving me further destitute. I reported to Chase that I was the victim of a credit consolidation scam by a company called net Debt. They led me to believe they were debt consolidators, not debt negotiators. They promised to pay my creditors off in XXXX years but all they did was take my money and left me with nothing. All Chase has done was continue to harass me by their relentless phone calls XXXX times a day including Saturdays and Sundays, even though I opted out of phone calls. Being treated by Chase in this manner has caused me even more stress and anxiety. Additionally, XXXX is fully aware of the fact that on my current income I can barely afford to put gas in my XXXX old XXXX ( which my daughter had an accident with before she died ) There was {$11000.00} damage done to my car by another driver who chose to go through XXXX stop signs and hit her. She was driving safely and only going XXXX mph., while he chose to ignore the traffic signs and did not drive safely. I do n't have enough money to feed myself or go to the doctor for routine checkups, let alone afford to make outrageous amounts of payment to Chase as well.
Product: Student loan

The XXXX Navient private student loans held in my name with a co-signer was up for yearly repayment plan review in XXXX of XXXX. The repayment plan generally lowers the interest rate of the loans from 13.9 % ( or thereabouts XXXX to between XXXX % based on income. Since initial enrollment in the repayment plan in XXXX, I had not missed a single payment. In XXXX of XXXX, I was informed by a Navient agent via telephone that my household bills were substantially higher than my income and Navient would not grant me a rate reduction plan, as they had during the XXXX years proceeding the conversation. Based on the commentary Navient 's agent provided, they would also not grant a rate reduction due to the co-signer on the accounts making enough to pay the loans. As of XXXX XXXX, Navient refused to provide a lower, affordable interest rate or enter into a negotiation of a reasonable payment plan. The original loans were each in the amount of $ XXXX for a combined total of $ XXXX. While in school, I was forced into deferment until after graduation due to the high costs of housing vs. low wages and had to maintain specific requirements of occupation to further my education. In the time it took me to finish my XXXX degree, parent, and work strictly to survive, the loan balances doubled. In XXXX, I had requested Navient to retro activate the interest on the accounts to the original loan amount ( that being 3.5 % on $ XXXX XXXX. They refused. The loan balances are now paid down to approximately $ XXXX as of today, XXXX XXXX, XXXX.
Product: Checking or savings account

My HSBC account in the US was closed due to consumer deposit rules. I filed a series of complaints. I was finally informed by the bank 's relations department that I had the right to reapply for a new account, but the account opening department was because " the old account was closed. '' For reasons not to accept my new application, it is simply an unfair treatment to me. The two departments are playing back and forth, and they didnt seriously solve my problem for me. 

The XXXX team told me that the bank has the right to reject my application, and the other team responsible for my past complaints turned out that I have the right to apply for a new account. The HSBC team in the US is very confused and the information communicated is inconsistent. This is for me Said it was extremely unfair treatment
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing an account on my consumer file, I immediately mailed a notice under 15 U.S. Code 1692g - Validation of debts. ( A ) to ensure that the amounts were accurate. After receiving a notice saying Account Validated, I mailed a notice via Certified mail for Re-Investigation under 15 U.S. Code 1681i - Procedure in case of disputed accuracy 1 ( A ), After XXXX  days and not hearing anything back, On XXXX XXXX XXXX, I received a notice from a consumer reporting agency that a charge off for the same account appeared on my consumer file whilst the validity & procedures was being re-investigated in direct violation of federal compliance laws. To escape verifying it appears the alleged creditor has attempted to charge off this account in error.
Product: Bank account or service

I 'm am submitting a complaint against TCF Bank and their ridiculous overdraft fees that they themselves are controlling. I can not understand how when I write checks at a local supermarket that has daily deposits my bank can hold onto checks until my account draws low enough to that when the check clears I will overdraw. This has happened to me countless times. Last week I was charged an overdraft fee XXXX minutes after using my card, which I had done all day. I went to TCF and asked how this was possible and they told me I did n't have sufficient funds. Then how was I able to use my card all day if I did n't have money in my account? Conveniently, this has led to an additional XXXX overdraw charges at {$37.00} each. I am currently overdrawn by {$78.00} with another charge coming. All stemming from their incorrect charge a week ago. I am seeking for them to replace the {$220.00} in overdraft fees they have caused in the past weeks. I also would like an explanation how XXXX check can clear in 3 days, while another at the same location takes 8 days, and then XXXX other checks that were written 5 days apart can clear on the exact same day? I am fed up with this establishment stealing my money and crushing my life. I 'm trying to raise XXXX children and help my struggling fianc and as it stands now we wo n't be able to afford our rent payment thanks to this big bank.
Product: Credit reporting or other personal consumer reports

I sent a letter to Transunion to reinvestigate these accounts on XX/XX/2023 tracking USPS XXXX XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX  XXXX XXXX 
Account : XXXX Account Name : XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Account Name : XXXX XXXX XXXX Account : XXXX Transunion - Investigation was completed on XX/XX/2023. File XXXX XXXXXXXX However, they stated all accounts was 100 % complete and accurate. 

But how is that possible if there is still incorrect, inaccurate reporting date of last activity, open date, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that arent reporting correctly. If all information is not 100 % correct and accurate -- accounts must be deleted per consumer law. 


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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have more evidence to prove my case Furthermore, they didnt even record the current status of the disputed information which is another violation.
Product: Credit reporting or other personal consumer reports

Ive sent 3! cease and desist letters certified mail return reciept and made 4 phone calls to cease and desist I sent them a XXXX dollar invoice for 3 violations of law on 3 credit reports which they did not have my express written permissible consent nor provided the contract I requested between us. They are in default and will not respond to me mayb they can answer you and provide the contract of consent which I rescinded from XXXX and opted out of sharing info to 3 rd parties they removed it and placed it bak on my consumer report which now they owe me XXXX dollars and ignored my contract their silence was in agreeance to pay the XXXX dollara
Product: Mortgage

I recently fax request for mortgage modification to Carrington Mortgage because my mortgage is delinquent. I was informed XX/XX/2018 by XXXX in Carrington Customer Service Dept. property foreclosure sale was put on hold and the modification request was under review. XXXX also stated the property foreclosure sale was put on hold. I called today XXXX to check the status of the modification request and was told the modification request was declined and my property would be sold at a property foreclosure sale XXXX. I have not received a declination letter for the modification request from Carrington, also was given the opportunity to appeal the modification declination.I didn't receive a letter from the foreclosure attorney or Carrington Mortgage stating the foreclosure date was Reset. I have not been given the 30 day notice prior to the property foreclosure sale as required per the Tennessee state law. I have resubmitted request for mortgage modification to Carrington with financials.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several accounts with XXXX and Transunion but they refuse to remove incorrect items. XXXX XXXX and XXXX bank had been on my report over 7 years and should be removed. I also disputed the late payments that I received for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the month of XX/XX/2020 I called each creditor and explained that I was experiencing hardship and that I needed to lower my monthly payment as well as change my payment date. They all agreed and stated that I would not receive any late payments from XX/XX/2020 until now is long I made my payments on time, which I did. I disputed this many times, but XXXX and Transunion refuses to fix it. Also, it is still showing that I owe {$100.00} to XXXX XXXX XXXX and this has been paid in full already and it shows 11 charge offs which is incorrect. They also refuse to fix this. There is also 2 accounts on my report that doesnt belong to me. My report shows 2 accounts for XXXX XXXX XXXX  I never had a XXXX XXXX XXXX  credit card before, so this should not be on my credit report. They are not cooperating with me and I need help correcting information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage and found some incorrect information being reported about an old auto loan through XXXX XXXX. I have disputed the incorrect information and sent additional documentation multiple times regarding the account. XXXX deleted the information when i first sent the documentation. I have since disputed the account with XXXX and Experian 4 more times with no changes to the account at all. They are reporting an incorrect balance and i have sent them proof of this. I even asked for their method of verification to which they did not provide or do a reasonable investigation. This is my last chance to resolve this incorrect info before turning it over to my local consumer protection attorney to file an FCRA lawsuit against XXXX, Experian and XXXX XXXX.
Product: Vehicle loan or lease

XX/XX/24 XXXX. Contacted Flagship Credit Acceptance by phone to forward letter requesting title transfer by email from the florida DMV to register my vehicle. The letter was also sent to Flagship Credit Acceptance by Florida XXXX. I was provided an email XXXX by the Flagship customer service rep, I forwarded the letter to this email address on XX/XX/24. I called back XX/XX/24 XXXX and spoke with a Flagship CSR to confirm receipt of letter and letter was received. 

XX/XX/24 XXXX followed up on title transfer to Florida XXXX XXXX CSR stated tile was sent to Florida XXXX on XX/XX/24. I then contacted the Florida DMV to confirm they received title was not received. They verified they have not received title. XX/XX/24. 

XX/XX/24 XXXX I call Flagship back and was told the title was sent XX/XX/24, I then asked for confirmation it was sent and then was told the title was not sent and that Flagship credit acceptance does not have the title. I then asked to speak with supervisor, spoke with a supervisor she confirmed they had not title and they would receive it in 24 hours to call back and they would provide me a tracking number to my email for next day mail in sending title to Florida DMV in 48 hours. 

XX/XX/24 XXXX I called flagship credit acceptance to receive tracking information because I have not received it The customer service agent XXXX stated the title was sent XX/XX/24 and it takes XXXX weeks. I stated that is not the information I was provided and for him to contact the title dept, he contacted the title dept and stated they have the title and for me to call back tomorrow to receive tracking number for the title, ,I requested to speak with someone from the title dept and he stated I can not speak with someone in the title dept. I asked to be transferred to a supervisor was transferred to XXXX she sent an email to the title dept and stated the title is being sent and I will receive tracking number to my email today. 


My temporary tag for registration expires XX/XX/24 awaiting Flagship Acceptance to send title to register my car in Florida. I am getting the run around every call.
Product: Debt collection

Express Recovery is reporting a debt on my file that isn't owed. My husband had a utility bill that went past due and my name was on it too. However, he paid it to Express Recovery and it's fixed on his file but they continue to report the debt on my file when this has been paid. This is inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was impacted for the COVID19 pandemic beginning in XX/XX/2020 and was laid-off from work in XX/XX/2020, I have this documented with the state of Illinois. I contacted my creditors to ask for payment deferrals and/or forbearance which they honored with no negative impact on my score. I overlooked Capital One as a creditor and upon realizing I had late payments I contacted them in XXXX and paid my account and brought it to current status, requesting reconsideration of late payment charges and fees under the Cares Act protection. On numerous occasions I requested accommodation to not have the missed payments report negatively on my credit reports and they denied my requests stating that I do not qualify since I'm not a small business without providing any reason why I am disqualified. I have an otherwise excellent payment history and my payments were current prior to XX/XX/2020. My account was made current in XX/XX/2020 and paid in full. The negative reports of late payments is bringing my score down below a threshold to purchase a home. I feel I am protected from this negative reporting under the consumer protections of the CARES Act and feel that the negative reports should be deleted based on those protections