23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX XXXX Card Ser XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to obtain a home loan and because I had some medical accounts showing as in dispute, I could not be approved. In numerous occasions I contact XXXX and Transunion, via phone, fax and document upload directly on their site to inform accounts were no longer in dispute. I spoke with various representatives who either said they showed no disputes open or would put in a request to have remove dispute marks from accounts. I have waited months and my report still shows dispute remarks on those account. Unfortunately, I was unable to purchase a home for my children and me because of this.
Product: Credit reporting or other personal consumer reports

XX/XX/year> : tried to contact the company 6 times and get a personimpossible. Experion keeps denying my request for a XXXX XXXX interest free credit card even though my score is XXXX and history is exceptional. They are engaging in blackballing people and direct them into applying for new cards through their website. This is a conflict of interest!! And should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy .15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written consent.
Product: Debt collection

I received a call today and the person was claiming to be a XXXX County Deputy by the name of XXXX XXXX even stated his badge number was XXXX. He said they had been trying to serve me cause I was being sued by Pioneer Credit and I needed to call XXXX with my case number. Then said if I was served and didn't show for court I would get a failure to appear. Also said I was being sued for fraud. I called the number and spoke to a XXXX XXXX. He said in total I owed {$2500.00}. If I didn't want to go to court and wanted legal charges dropped then I needed to pay today. He offered a settlement of $ XXXX.He then said if I didn't pay half today and the other half tomorrow of a settlement for {$700.00} or pay in full today by XXXX that I would be served by the police department within 48 hrs. I would have to pay additional {$1200.00} if it went to court for attorney fees. I sent the {$700.00} at XXXX cst to XXXX XXXX XXXX XXXX through my XXXX.
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Number Num : Balance {$1400.00} Sir or Madam, I am writing in regards account XXXX Revenue XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section XXXX ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to protect my private information and has caused me to have to purchase credit monitoring and locking features from them and from the other two credit blackmailing services.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/CAR CARE DISC TIRE THE ACCOUNT LISTED ABOVE IS IN VIOLATION OF THE FCRA. I HAVE SETTLED IN FULL THE BALANCE ON XX/XX/2021. PLEASE SEE THE ATTACHED PAID IN FULL LETTER. I CALLED " CLIENT SERVICES '' WHICH IS A 3RD PARTY COLLECTOR FOR SYNCHRONY BANK AND THEY CAN NOT LOCATE MY ACCOUNT. I THEN CALLED SYNCHRONY BANK AND THEY ARE SAYING THE SAME THING. I HAVE PROVIDED A SCREENSHOT OF MY TRANSACTION HISTORY ON MY BANK APP AND A PAID IN FULL LETTER DIRECTLY FROM " CLIENT SERVICES '' AS PROOF. THIS ACCOUNT NEEDS TO BE DELETED FROM MY CREDIT FILE IMMDIATELY.
Product: Credit card

so Avant closed my account without me knowing. They also overcharged me {$56.00} dollars and then said that they credited it back. Well how can I use this if my account is closed I asked, and can they send it to me in check? I asked what was this overcharged fee for? XXXX said couldn't give me a straight answer. kept putting me on hold. I asked to escalate the call and speak to a supervisor/ manager or anyone above her she said they were all busy. Even after an hour they were all busy. when I asked for the refund information XXXX said that it will take three weeks and then at that time it will be considered for approval. They have been overcharging me for fees that should've been refunded such as cash advances and using the card every month even if the card isn't used which should be the only time that I'm charged anything. They wanted me to pay for the {$56.00} that they overcharged me and when I argued that I was filing a federal complaint they said then it was going to be refunded. I have recorded conversation and financial statements from the company app to prove they maliciously and deceptively tried to scam me
Product: Debt collection

I have written RSG requesting verification of the debt I am being sued for. The most recent letter in the form of an invoice is, to me, an attempt to circumvent the proper process that is legally binding to collection agencies and an attempt to strip me of my rights as a consumer.
Product: Mortgage

i am very very upset while i understand the right the bank has to file foreclosure i want a loan modification and to pay please. I do not have time though i will if i have to to write a formal answer to the complaint. or the money. XXXX of the barriers is is my ex husband refuses to help me wtih the income taxes 2015. so i can apply for loan mod. I do have income now and can and want to catch up. PLEASE help me. filing this while i know you have the right to makes me very upset, stressed and i want to avoid it. PLEASE. i have XXXX and XXXX payments and soon will have more. I have gotten letters previously not helping me. I need to know how to pay. Please call only after XXXX and only at XXXX PLEASE. work with me. I have reached out many times and your system of sending letters is not helping. I have no money for fees so despite them being valid please remove so i can stay on the right side. and avoid taking any legal protections i want to avoid. i am working XXXX XXXX to catch up. HELP how do i pay? what is escrow shortage? who can i pay? can we set up a forebearance plan. my issue is without the ex husband doing the taxes 2015 as only he knew how to do it i am stuck I care i will do anything please. help
Product: Credit reporting

I need to file a complaint against XXXX for illegally re-aging my credit history for an account that is reporting wrong info to my file. I have not been associated with the account # XXXX XXXX for over 7 years. the information is updating so wrong each month. this account has no balance nor activity for over 7 years and overtimes that I dispute it it comes back verified, active, open and still showing inaccurate lates. It is even showing that I am still " OK '' each month but I DO NOT HAV ETHIS ACCOUNT OPEN NOR DO I HAVE A CAR WITH THIS COMPANY! How are they dong this? I asked for all the testaments and the late to be verified and have received absolutely nothing. I even filed a complaint with XXXX and this company does not exist in your database. I feel very used by XXXX, they are careless in their reporting and have done me no justice in providing me with a correct investigation that is required by FCRA law. This company does not exist and these informations can not and have not been properly verified. This account is reposting incorrect info each month and its hurting me. I have had no late in XX/XX/XXXX or XX/XX/XXXX as XXXX is repeating, this account was not in my possession than and the statue of limitations have expired as this car was returned during my XX/XX/XXXX Bankruptcy!
Product: Mortgage

For approximately the last 5 years, Ocwen Mortgage Servicing has been making accounting and payment errors that have resulted in overpayments, overcharges, incorrect payments, and most recently a loss of coverage for my primary residence. I have XXXX accounts with Ocwen, and both accounts have been transposed, and misappropriated in the last 5 years. I have spent numerous hours trying to explain the errors. In XXXX case, it took two years before they admitted that they were overbilling me. Most recently, I spoke to a representative and explained that they did not make the premium payment for my primary residence policy and my coverage was cancelled as a result. The representative stated that she would correct the problem. I stated that I want to request termination of my escrow account due to the constant ineptitude and incompetence I have been experience over the last 5 years. I was given the contact information to start that process. I also stated that I should not be liable for any fees associated with the reinstatement of my account because I paid the escrow and it was Ocwen 's error and not mine. As of today, the situation has not been resolved. I fail to believe that a company that size can be so grossly incompetent, but I do believe that it has been a system of using incompetence as cover-up for manipulating funds so that Ocwen has more funds to receive interest from at the expense of it 's customers.This complaint is just another part of the struggle I am experiencing in my efforts to hold Ocwen responsible for their actions and handle the escrow payments myself.
Product: Payday loan, title loan, or personal loan

Was contacted today XX/XX/XXXX that i owe ace payday loan from XXXX for the amount of XXXX. Now a place called account services said i owe XXXX. I told them i didn't. and he got a little upset and told me good luck with not paying. He was very rude.
Product: Mortgage

I applied for re finance of my mortgage from quicken loans, i was assured that if quicken loans will not able to approve my loan they will refund my my deposit money {$470.00}. 
I never sign a document which explains that if quicken loans refuse my loan they will not refund my deposit money. 

When I asked you are refusing my application therefore please refund my deposit amount I am being denied, I was cheated and my loan number XXXX and deposit agreement can be seen I had not signed.I request you to please take a proper action for the recovery of my deposit money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX Ph XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from 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
Product: Debt collection

Credit Collection Services is reporting inaccurate and damaging information to the XXXX major credit bureaus under my name. Several attempts were made over the past week to resolve the matter, but instead low level suspervisors who did not understand FDCPA and FCRA refused to take action to remedy the violation and also refused to transfer the calls to senior management. The XXXX agents were XXXX and XXXX. There wer prior calls to other personnel in the department who refused to correct the problem.
Product: Payday loan, title loan, or personal loan

I have been paying the loan as scheduled never having a late payment. I have call serval times to try to refinance the loan and every time I call they response with I am not eligible. 
I have also asked for other types of help and they just didnt have anything to offer me.
Product: Credit card or prepaid card

I did not receive the " {$0.00} Plan It fee '' offer that was advertised on my American Express Platinum Card, despite having complied with all terms. The " Plan It '' program allows cardmembers to split up their balance into monthly payments over the course of 24 months each with a fixed fee instead of the monthly interest charge that credit card issuers traditionally charge. On my particular account I was offered a promotion that states " your monthly fee for any new plans created from XX/XX/XXXX to XX/XX/XXXX at XXXX MST ( the 'promotion period ' ) will be {$0.00} for the duration of that plan. '' In other words, an offer for XXXX XXXX interest for 24 months ( i.e. the plan duration ) on any charges made during that period of time and enrolled into the Plan It program. I have been offered similar promotions on my other American Express cards in the past, and have successfully taken advantage of them without issue. On or about XX/XX/XXXX, I charged {$16000.00} on my American Express Platinum card and chose to use this card SOLELY because of the availability of the Plan It promotion. But for the offer of 24 months with a {$0.00} Plan It fee, I would not have made the charge on this card. Yet now that the transaction has posted, I am unable to create the plan and split the charge up into 24 monthly payments with a {$0.00} Plan It fee as was advertised. When I contacted American Express by phone on XX/XX/XXXX and spoke with a representative named XXXX XXXX, I was told that this is because the charge exceeds my " Plan It limit. '' Yet the " Promotion Terms & Conditions '' does not disclose any such Plan It limit, nor even suggest that one applies. To the contrary, my card states it " has no preset spending limit '' and while American Express reserves the right to decline a charge if it exceeds a certain amount such that the spending limit is not theoretically unlimited, this charge was approved. Nor has my prior experience with the {$0.00} Plan It promotion given me any indication that this would have been an issue, as this {$16000.00} charge is LESS than the more than {$20000.00} in {$0.00} fee Plan It plans I had previously created during or about XX/XX/XXXX ( and have almost entirely paid off ) on my American Express XXXX XXXX  XXXX. American Express should promptly enroll this charge into the 24 month Plan It program with the {$0.00} fee as advertised.
Product: Credit reporting or other personal consumer reports

I am formally requesting the immediate removal of the following fraudulent accounts from my credit report due to identity theft and a data breach that compromised my personal information thus causing a domino effect and financial damage to several accounts. I have included supporting documentation, including a data breach notice, a Federal Trade Commission ( FTC ) Identity Theft Report, and a police report, all of which confirm that I am a victim of identity theft. 
Pursuant to 15 U.S. Code 1681c-2, a consumer reporting agency must block the reporting of any information identified as resulting from identity theft within XXXX ( XXXX ) business days of receipt of a valid request. As more than 30 days have passed without resolution, your failure to act constitutes a violation of federal law. I demand the immediate deletion of the following accounts : 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  Furthermore, under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report with the written instruction of the consumer to whom it relates. I have never provided such consent for these fraudulent accounts to be reported, and their presence on my credit file violates my federally protected rights.
Product: Debt collection

I learned that Portfolio Recovery had inserted a negative tradeline in my credit file in XXXX. I contacted them in XXXX to fins out what it was for. Once they sent me a sheet with not much information I responded and ask for validation of the debt on XX/XX/20 to date they have not responded with any sort of proof and they ignore my requests for information about this debt yet they still have this reported on all of my credit files. Enclosed are the proofs.
Product: Debt collection

Sent validation request to collector and did not receive a response within 30 days.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX
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 Account # XXXX  has violated my rights. 

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

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

Hello, I closed my account with XXXX in good standing in XX/XX/XXXX. Services were deactivated and I was informed that I will not receive the credit for unused service. I had a prepaid no-contract cell phone plan ( {$25.00} plus taxes ) with XXXX and made the first payment of {$67.00} on XX/XX/XXXX. Had a scheduled auto payment and have been billed monthly. The last payment of {$40.00} I made was on XX/XX/XXXX. The account was closed, and my auto pay was deactivated. Unfortunately, XXXX kept billing me and without any notice sent me to the collection agency. I did not realize that my debt was in collections until I checked the credit report prior to my employment background check. I disputed the above with XXXX and XXXX. XXXX  but have not received any correspondence. According to the credit report the XXXX. XXXX, XXXX account was opened on XX/XX/XXXX but XXXX sent me an E-Bill on XX/XX/XXXX with my balance of {$130.00} still incurring late payment fees. According to XXXX, I have an unpaid balance for XXXX, XXXX, and XXXX of XXXX. Firstly, the account was closed in good standing in XX/XX/XXXX. The last full monthly payment was made on XX/XX/XXXX. After service activation, I was billed for two full months in advance. At this point, I do not understand how I can be billed for services never received and for months ( XXXX and XXXX ) I paid for the prior termination of my account. After an investigation, the collection entry was removed and XXXX placed me with another collection agency, Diversified Adjustment with a balance of {$140.00} or unspecified balance.

Why does the balance of my collection account keep going up? I am looking for help with the abovementioned, as I can not be liable for services I have never received and sent to collections on services I already paid for.