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

XXXX XXXX XXXX  a third party collections agency account number XXXX is reporting inaccurate data violating 15 USC 1692F section 808. Unfair practices by reporting the following to XXXX and Equifax : fees charged 3 to 4 times a month and a past due balance higher than the amount owed. According to the FCRA and the FDCPA 15 USC 1692F section 808 Unfair Practices : a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The following conduct is a violation of this section : The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation. This account was opened XX/XX/2017 by XXXX XXXX XXXX I am an XXXX XXXX XXXX XXXX and they failed to report the medical visit under the proper insurance accounting code. The original balance was {$320.00} and over the last 5 years I have been trying to dispute this matter. The collections company continues to report fees to XXXX and Equifax multiple times a month. The amount now due is {$770.00}. I would like for this item to be removed from my credit reports. Thank you for your assistance in this matter.
Product: Mortgage

I was in forbearance as of XX/XX/2020. I made my monthly escrow payments as I was told or after forbearance I would be responsible for them. I just got out of forbearance and I am being told I am XXXX short in my escrow because 3 of my escrow payments in XXXX XXXX and XXXX of this year were applied as a payment and not to my escrow. They want the shortage in full or increase my mortgage XXXX a mth which I cant afford. Besides I did what I was supposed to do. Mr cooper screwed up. They will not reverse the payment and put the money back in my escrow. Called XXXX XXXX my loan holder and they have opened a ticket to see if the can assist me. So upset
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 XXXX and XXXX XXXXXXXX XXXX XXXX XXXX  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
Product: Credit reporting or other personal consumer reports

CAPITAL ONE AUTO FINANCE has refused to comply with my opt out notice sent over one month ago.

They are reporting a charged-off account.

This charge-off is a certificate of indebtedness. According to IRS publications, as well as 15 USC 1681 where the law refers to permissible purposes, they are reporting my income and transaction history which is not permitted. 

This account has been requested to be updated to paid as agreed numerous times. 
Once again, I reach out to the CFPB to enforce.
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft. currently the FBI has informed me that they are investigating the suspect by the name of XXXX XXXX. i have not applied for any credit, nor have i caused any inquiries since XXXX the following information has been my only information since XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, i have never applied for student loans nor any loans. i am XXXX and have never had an employer. i have never had a bank account and the only credit account was from XXXX : XXXX XXXX. i have never lived in an apartment nor have any evictions.
Product: Checking or savings account

Citibank checking account closure XX/XX/XXXX... ... ....

In late XX/XX/XXXX I went to Citibank at XXXX XXXX XXXX  in XXXX XXXX, California and put my Citibank checking account of almost 20 years into my revocable trust. All went smoothly. I had had this account through XXXX since XX/XX/XXXX when Citibank acquired XXXX inXX/XX/XXXX. The account # was changed at that time to account ending in XXXX. In early XX/XX/XXXX, I received a letter dated XX/XX/XXXX saying that Citibank would be closing my checking account onXX/XX/XXXX. I immediately called Citibank Customer Service and was told that because I had not answered their previous letter I was told that the closing process had already started and I had no recourse and the account would be closed onXX/XX/XXXX. I told them I had not received a previous letter. They suggested I call the branch.

Throughout XX/XX/XXXX I called the branch a few times. I called the branch in the next couple days after receiving the XX/XX/XXXX letter and talked with a branch employee who said she would look into the issue and would get back to me. No one got back to me so I called again a few days later, now the second week of XX/XX/XXXX. I talked with XXXX XXXX  on that call and she said she would look into it again, that I shouldn't worry because she was quite sure they would not close the account. Ms. XXXX told me she would get back to me. No one got back to me. I called again on XX/XX/XXXXand talked again with XXXX XXXX who told me she would send me something overnight to sign but I told her I was traveling again over the Holiday. She said that she would send me something by email, something that I could send in electronically from my email while traveling. I received nothing. She told me she would be away starting the following Monday but that I shouldn't worry.

During the first week of XX/XX/XXXXI received a letter dated XX/XX/XXXX saying the account had been closed and included a check for the balance in my account. I called the bank on Monday,XX/XX/XXXX or Tuesday, XX/XX/XXXX and talked with XXXX  who seemed to know that people with trust accounts were having their accounts closed because " Citibank did not have the resources to administer these trusts ''. He said he would look into the issue and call me back. He did not call me back. On Monday, XX/XX/XXXX I called and XXXX XXXX   answered the call and she was confused about what she had told me but finally said that those she had checked with had told her the account would not be closed and that I had fulfilled all information needed ( which must have been done in XX/XX/XXXX when I first opened the account because I never gave any additional information ). Ms. XXXX  seemed annoyed that I could not be pleased by her offer to try to make me happy now that the account was closed.

I have never bounced a check for the 30 years that I have had this account. I have had to change automatic deposits and payments. I have moved my money to a credit union checking account. Is this the way a bank should treat a customer after having a continuous account with no problems for 30 years?
Product: Credit reporting, credit repair services, or other personal consumer reports

.Re : Capital One Acct I opened an auto loan with the referenced bank, at this I do n't remember the date. I started making the payments a month before the scheduled date of the first payment. 
I paid the loan on time each and every month it was scheduled. In XXXX XXXX, I had an accident hitting some XXXX ice and the car was totaled. Capital One told me that a $ XXXX amount was left to pay on the loan, so I figured that I would pay it off using the scheduled payment structure that was currently in place. 
Capital One, increased the payment and excelerated the time needed to pay off the loan. To say that I was upset was exhibited in my conversations with the various people I spoke with ; after all I had never missed a payment and felt that I should have been given some consideration! 
I was given a date of XXXX XXXX XXXX to pay the balance or have the account written off and foreclosed. Also they refused to allow me to continue to make the payments on line instead " I had to call them every month with my payments. I informed them it would be paid by XXXX XXXX, and it was. 
Capital One not only foreclosed the account but charged me an extra XXXX as a late fee! 
This accounted has and still is reported as the following : 1. Bad Debt 2. Write Off 3. Placed on collection, etc. 

As I have stated I was in no way going to let myself be bullied be a few people who made decision and usurped their own status in an attempt to play " XXXX '' This has maimed and undermined myself and my credit, all because the people who handled this tried to make me say " UNCLE '' and I would'nt! 
This should be corrected " IMMEDIATELY ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was reviewing my credit report on XXXX XXXX, I noticed on my EQUIFAX report that it had an additional address that I have NEVER lived at before. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX I do not have family/friends that live in or around California and have never been to California until just recently. On my XXXX account, this address does not show. I am not sure how to go about removing this address from my name as this should not be tied to me in any way.
Product: Debt collection

The Pittenger Law Group Llc took on a collection debt on XX/XX/2023 From XXXX XXXX XXXX. I obtained attorney to settle the amount from XXXX to XXXX which I signed off to pay. With this Law Firm it only accepts one form of payment to be a collection agency. Which this Law Firm does not accept my checking account due to its a debit card but I have never had any issues using my checking for ACH debit. With this being a Law firm collection agency how can they only allow one form of payment. The collection agent gave me the incorrect code For money gram. I believe they are making it hard for customers to make their payments to have to take them to court. They are rude and unprofessional. This Law Firm needs to be Investigated. I have filed a complaint with the Attorney General also
Product: Credit reporting, credit repair services, or other personal consumer reports

19 LOW IMPACT You have 2 recent hard inquiries Hard inquiries from things like credit applications can stay on your report for up to 2 years, but their effects tend to fade over time. 

XXXX Pro Tip Use our Approval Odds before you apply to help avoid unnecessary hard inquiries. 
Try this autopay hack Inquiry details XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX   Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank
Product: Credit card

In XXXX of 2016, I applied for a " Costco Anywhere Visa Card by Citi '' and was given a line of credit of {$11000.00}. After 5 weeks, I did not receive the card in the mail. I contacted CIti at XXXX and was transferred to the fraud department. I spoke with XXXX XXXX, employee # XXXX. I was informed by the rep that Citi sent the credit card to a different adress. The rep then stated I could not receive another card without " verification '' of who I was. The rep began to ask " verification '' question pertaining to my home loan and other information that I did not provide to Citi when I applied for credit. I did provide my full SSN and password. However, that information was not sufficient to very my identity and the rep told me they could not help me. I am concerned my credit card may have been given to someone else who may be using it without my consent. Citi is refusing to give me any information or any form of help whatsoever. They " are very sorry '' though.
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 Bank # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 that 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 more than seven years. 

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

On XXXX I mailed out a Debt Validation Letter to Sierra Outsourcing Solutions. They did not respond with the appropriate debt proof that was requested. I have never received anything in the mail. Per the Fair Debt Collection Practices Act, you have to respond to my validation of debt request within 30 days. Since you didn't, you have to remove my debt from collections as you failed to provide proof. Per my letter that I mailed out by certified mail, it states : 'If you have good reason to believe that I am responsible for this debt, mail me the documents showing my responsibility, including but limited to : Assigned contract proving this debt belongs to me, A last statement or bill providing how much I owe, Proof of the last action taken on the account, And proof that you are licensed in Nevada XXXX '' None of this was provided. You need to remove my collections from all 3 credit bureaus as you have violated the FairDebt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints several times already but still, these accounts are visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have sent my FTC report to them but still, nothing has changed. These fraudulent accounts should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 

XXXX  XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$2200.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}
Product: Debt collection

This company has been attempting to collect on this debt for nearly 11 years now. I had a 2nd Mortgage with XXXX XXXX XXXX, which became XXXX XXXX. This company apparently collects for them. They have been continually sending correspondence offering settlement amounts, below what the full balance is, with incredibly short deadlines, like 2-3 weeks. When you call with " cash in hand '' to try and take advantage of the last offer, they always advise, that the offer was no longer good and say you have to pay the full amount of {$7800.00}. But in one of the calls, they learned that my home is nearly paid off and as a result have not been willing to take any sort of settlement. They allegedly sent a letter in XX/XX/XXXX, advising they were now going to be charging interest, going back to the time they obtained they loan I never received such correspondence ). In XX/XX/2020, we received an offer letter for {$1500.00} ish off the full amount of the loan of {$7800.00}. MY wife and i decided to try and take advantage of this and started to refinance our mortgage, so we could do this. The load was not completed in time, due to questions on lien holders on the house. Long story short, when I contacted Verirpo in XX/XX/XXXX, to ask for a payoff letter, I was expecting to get on showing the {$7800.00}, but instead they sent a pay off amount of {$13000.00}. Once again, when I am able to give them a payment, based on a letter they sent with an offer, they moved the marker again. I feel they are not acting in good faith to settle/collect on this debt in an ethical manner, as they keep changing the amount they want every time I have called over the years to pay them. They have never sent any notification of any other amount owed other than {$7800.00}, until I ask for a payoff, to change my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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 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 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 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 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

Today, XX/XX/XXXX I was denied an appointment to sell XXXX XXXX products because they were unable to obtain a report from Experian. An insurance must have carrier appointments and I need to allow companies access to my credit report. 

I was informed there was a VOLUNTARY CREDIT FREEZE from XX/XX/XXXX on my report from Experian. I followed the link to remove the freeze and filled out the required information. At the end of the form I was required to submit payment to remove the freeze which I did. My credit card was charged but the freeze was not removed. 

I attempted to call the customer service line to inquiry what further actions could be taken. It was automated and there was no option for my particular question so the system hung up on me. 

There is no information on the customer service website that allows access to a representative but I was able to XXXX search and find a contact number. The representative asked questions and put me on twice. It appeared the problem was about to be solved but then after another hold I was informed that there was a " problem ''. I asked what the problem was and was told it could be a number of things. The only remedy is to start over with a new pin number that will take 7 - 10 days to arrive by mail. At that time I can try again. I have no choice except to wait and hope for a better outcome next time. 

I have answered the questions asked and paid the required fee. This situation is preventing me from working with any new companies. How can I correct this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to you all about some things on my credit that I have no earthly idea about. I finally need to go and a new car and was denied because of this stuff on my credit thats not mine. I have reach out to the FTC and local police and seems nothing can get done. Please remove from mycredit XXXX XXXX and XXXX XXXX. And there are some inquiries that I dont know about XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX AND XXXX XXXX XXXX XXXX.
Product: Debt collection

I, did not give consent for XXXX XXXX XXXX XXXX to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose. I have never done business with XXXX XXXX XXXX XXXX and have no obligation to them. I deny any and all claims and refuse to pay such alleged debt.
Product: Credit reporting or other personal consumer reports

I dispute this debt with trans union and even sent documentation from court and they are refusing to remove this off of my credit report and are still they have verified the debt.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$1500.00}