23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Law 15 USC 1692 ( c ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( XXXX ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt XXXX further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. ( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Today, XX/XX/XXXX, I spoke with the attorneys at XXXX XXXX in XXXX XXXX XXXX  who informed me I may be victim to predatory lending practices and the rates should be considered usury with a lender XXXX XXXX XXXX who is asking for 69 % of the equity appreciation of the property and the principal amount all in one lump sum to remove their lean. I did not know it was predatory and I took the loan out in XXXX. Attached is the loan document.
Product: Checking or savings account

I opened a checking account online around XX/XX/2021 with Huntington bank. I deposited {$25.00} into the account. Huntington bank closed my account for reasons related to " risk ''. Which is interesting because I have opened accounts with other larger institutions since then, with zero problems. I have contacted customer service multiple times via chat and telephone asking when I will be refunded. They keep telling me the account is in the process of being closed. Its been over two months, does it really take that long to close an account and refund my money?
Product: Credit reporting or other personal consumer reports

According to the FCRA/ REGULATION V. Section 623 states that a furnisher must not furnish inaccurate information to a CRA XXXX and also, according to the 15 USC 1681bi , Permissible Purpose applies to CRAs and furnishings. Also, the Fair Reporting Act ( FCRA ), 15 USC 1681et seq., governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information assembled by CRAs. 

With that being mentioned, on all three credit reports, there are inaccuracies in the " date of last activity, '' which tells me that my Credit report was not being adequately verified as asked several times before. 

In XXXX of XXXX, I submitted a letter, DL, and SS card, along with an image of their inaccuracies, requesting that this violation be deleted for SANTANDER USA account # XXXX. 

The LAST activity dates are showing XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 

Attached, you will find the documents that were sent to all three credit bureaus requesting that this account be deleted per the FCRA for violation of my rights. In return, I received the generic information stating once again that the information was correct. XXXX sent five letters after saying that my information couldn't be located in their system. '' As mentioned, my DL and social security card were included in my request to DELETE.
Product: Credit card

XXXX decided to lower my credit card with no notice causing my utilization to drop significantly I have never been late making a payment and the account was active. No significant changes were infected on my credit report. Ive called the company several times and was given the runaround as to why they lowered my credit limit from XXXX to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by the coronavirus and was given an option by Enerbank to satisfy a debt due to this and that if I did it would not negatively impact my credit however they did add it in XXXX as a charge off which negatively affected my credit score I was under the impression that the CARES act did not allow this and also told by them it would not and they are saying they will not take it off and I feel this is unfair given the pandemic issues we have been dealing with etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened a dispute in the past repeatedly about Medical Data Systems and their habits to continuously re-age their tradelines on my credit report year over year. They also have a habit of removing the tradeeline from the credit report all to be able to repost it and a new item. This year I am getting ahead of the game before they do this to me again. I have attached credit reports forXX/XX/XXXX form XXXX  as well as for XX/XX/XXXX. You will see that all of their tradelines were in one report reporting status updates months prior to the other report. Balance updates are being made with no updates to the balance, Absolutely nothing has changed up or down. They ahem done this for years which keeps my credit score stagnant and hovering never to increase more than being looked upon as a risky consumer. I have paid all of my bills one time for over two years. These collectors are always right at the end or turn of the years re-aging items to make them appear as though some change has occurred to make it more relative and a recent hit to my score. I don't know what else to do except to turn to your agency, This is the first part of my complaint. I am expecting them to now reinsert themselves onto my credit report with all four lines they have deleted all to be able to impact my score four times over! This has to be illegal. I have no idea who is intentionally doing this to me every year but I need it to stop. I need them blocked from my report with no allowance to have the debt they are collecting for to ever appear again due to their unfair practices of credit reporting. 
Company : Medical Data Systems Inc updated XX/XX/XXXX with no changes having occurred Company : XXXX XXXX  updated XX/XX/XXXX with no changes having occurred As I explained this is only the first part of my complaint to prove their practice of removing items from the credit report only to add it back all over again to negatively impact the credit score. By next 30-60 days, they will have re-aged the four tradelines they deleted in XXXX. I have no idea why they are allowed to do this to people.
Product: Prepaid card

I received a {$200.00} pre-paid American Express giftcard from my office for the holiday season. Every staff member received these the week before XXXX 2023. But I'm finding it incredibly difficult to use this gift card. So far since I activated the card, I've been surprisingly denied small purchases at XXXX, XXXX, and other online retailers and haven't been able to find a retailer that will take this card. American Express 's website and consumer portal says it's " Widely Accepted - More places than ever welcome American Express Gift Cards '' but I'm not finding that's the case. I can't even exchange this general gift card on common online gift card exchanges sites like XXXX cause the pre-paid American Express giftcards are not accepted for security reasons. I called the American Express customer service number listed on their website and also on the back of the giftcard on XX/XX/XXXX and only received the same information as listed on their FAQ and website homepage- which recommended to find a merchant where the giftcard is accepted. There's no option to put in a claim or service request from American Express just a physical mailing address ( American Express Gift Card Customer Care XXXX XXXX XXXX XXXX, GA XXXX ) and their general customer service number ( XXXX ). I don't know how to access/use this money on the giftcard or contact a person at American Express to get answers that help me with usage. I've been finding many customer stories online that recently these cards stopped working at normal online merchants and will be declined basically everywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXXXXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6 10 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.
Product: Debt collection

A debt collector by the name of Unifin , Inc. with an address of XXXX XXXX XXXX XXXX, IL XXXX and phone number XXXX has both called and written to me attempting to collect an alleged debt that is time barred and that they claim is owed to a debt buyer by the name of XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX Unifin uses this reference number : XXXX. 

In their own letter to me, received on XX/XX/2022, they stated, and I quote : " Because of the age of your debt, XXXX XXXX XXXX can not sue you for it. '' They also stated : " Because of the age of your debt, Unifin will not sue you for it. '' These two quoted statements show that Unifin and XXXX XXXX both know full well that they are attempting to collect upon an alleged debt that is time barred. 

Federal courts have held that attempts to collect upon a time barred debt is a violation of the Fair Debts Collections Practices Act ( FDCPA ). 

See : " An expired statute of limitation also makes it illegal for collectors to try to collect from you. That wasnt always the case, but recent court cases now make it clear that collectors violate the Fair Debt Collection Practices Act by trying to collect an old debt. '' Source : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

At a minimum I want both Unifin and XXXX XXXX to cease and desist from all communications with me regarding this alleged and time barred debt. I would also like both companies to face consequences for willfully violating the Fair Debt Collection Practices Act. 

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

Wallet with SSN, My Sons SSN, IDs, Cards And More Was Used and Stolen Back In XX/XX/2016. Resolving Full Credit Report Prior To Applying For My XXXX XXXX Please Call Me Urgently For More Information. 

Thank You Regards, XXXX XXXX XXXX - 15 U.S.C. 1681c-1 and 15 U.S.C. 1681c-2
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


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

My problem is with XXXX XXXX XXXX in North Carolina. Due to a glitch in thier upgrade to their software Credit Cards and Lines of Credit were appearing as " nothing due at this time ''. And i never received any calls or notices regarding my line of credit and credit card with them. 
After approximately 3 or 4 months i received a call from the Bank inquiring about no payments. I was told this is a glitch in their system and thet a monthly payment was due. I immediately paid the amount they requested over the phone. 
They immediately then reported this to the credit bureaus. i then was notified that they were closing my credit card account. I attempted for more than 6 months to attempt to close my bank account via fax, email and hiring an attorney. The account appears " disabled '' still today. I've been requesting this bank account to be closed for more than a year. 
They need to remove this from my credit report. Because of their " glitch '' in thier system my bill was reporting " nothing due at this time '' for more than 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
Product: Checking or savings account

Complain To : Head of Customer Care, CitiBank.co.in ( XXXX XXXX Savings Account ), XXXX Complaint From : XXXX XXXX Address : XXXX XXXX, XXXX SUBJECT : Deposit ISSUE -- XXXX ACCT Worst Service!! US earned Money wrongfully put into XXXX acct, No Response on Complaint from 3 months Acct Details : XXXX XXXX Accounts Savings XXXX XXXX  Savings XXXX XXXXXXXX I have a XXXX XXXX XXXX XXXX XXXX accounts with CiTi that were open on XX/XX/XXXX. On XX/XX/XXXX, I moved the amount that was matured in a fixed deposit ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) to XXXX account. Originally this money was transacted from a US bank XXXX XXXX XXXX XXXXXXXX ) account to XXXX XXXX XXXX. When I checked the acct in XXXX, to my shock I saw that money was moved to XXXX  acct instead of moving it to XXXX 
I am a US citizen, and I dont have any assets in XXXX XXXX 
This money was moved to my XXXX acct. from my XXXX XXXX XXXXXXXX account in US from my earnings in US. Since I opened the acct, I have been receiving 1099 form that I been filing taxes in US. ( See attached 1099s from XXXX as example ) I have no income in XXXX and how in the world you moved my US originated money in a XXXX account and now Taxing me on that. THIS IS COMPLETELY A FRAUD. Without my permission you moved money to the XXXX acct. 
As soon as I noticed this mistake, have tried calling 3 times in last 40 days and a Citi Phone Officer ( Complaint # : XXXX ) first suggested that I file Repatriation request. When I objected repeatedly that this money is not earned in XXXX and I have 1099s to prove it, they promised me to connect with some special officers in CITI but they never returned my call. 
I am filing a complaint with Attorney General in US and with XXXX. 
CC : XXXX CC : CFPB Consumer Financial protection Bureau, USA XXXX : XXXX Attachments : XXXX ) XXXX Statements for both XXXX & XXXX Acct 2 ) 1099 from Citi XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 an account without my written instructions XXXX XXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX # XXXX {$800.00}
Product: Consumer Loan

Loandepot has repeatedly used " robo-calling '' and deceptive tactics to collect a debt. They continuously attempted to deceive through various recorded phone messages left on my cell phone, after they had asked and were denied the right to automated call or text my cell phone.
Product: Payday loan, title loan, or personal loan

Some one else received a loan online from Ace Loan company in my name. I have not received a loan from them ever. Some one stole my Arkansas ID and used that. This collection company wants to garnish my account for something I did not do. The incident number is XXXX. The email that I need to send information to that someone did my name under fraud is XXXX If someone could please contact me back at XXXX or XXXX ( c ) it would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several loans for jeeps in the last 10 years. This particular loan was to be paid on a trade. the loan was with Chrysler Capital- I found a new jeep ( licensed Chrysler franchise ) they ran my credit, and my application, got the loan approved. 

ordered the payoff on my trade ( another jeep with Chrysler capital ) they added the payoff amount to the contract, along with all the down payment costs and typed all into the legal loan agreement. 

I signed over the release of liability along with the payoff figures that were verified at the time of signing. giving them my XXXX year old jeep as a trade, my check for the downpayment and a took possession of the new jeep. 

a few days later, I called them to make sure they are sending the payoff. they said, yes. then, a couple weeks later. I called again, they said they called the Chrysler capital. I was like ok. then in XXXX I called Chrysler capital they said. they hadn't received the payoff. I called the dealer again, they sent the incorrect amount. Then the account was short all kinds of fees and penalties. I then paid them because they were destroying my credit over XXXX!!!!! when the payoff for {$23000.00}. this happened in XXXX and have tired over and over and over again to get them to fix the lates on my credit report. they have not helped me or even opened my mail to look at the documents. they have killed my credit report and rating. turns out this dealer and Chrysler has been Notorious for holding payoffs, and having customers pay fees and fines to enrich their company and shareholders. 

The dealership was eventually shut down by the Attorney General and Chrysler Just closed her eyes and pretended like it never happened and they are still reporting the lates on my credit report they have cost me substantial financial harm because I've had to pay higher interest rates due to their mismanagement and clear greed.
Product: Credit reporting or other personal consumer reports

I have contacted aidvantage about the inaccurate information on my credit report. I have sent updated information based on my XXXX  XXXX XXXX  and informed them that y credit states I'm delinquent on accounts all the way back to 2008. These derogatory marks on my credit report are affecting my credit report and homeownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the beginning of XXXX I wrote a complaint about XXXX XXXX XXXX, XXXX and experian not correctly reporting an account on my report. On XX/XX/2020 XXXX XXXX XXXX seemed to have corrected the issue by showing the account closed and in collections, however on XX/XX/2020 the account is now showing on my XXXX report as open and current bringing my score back down! According to the fair credit reporting act they are to report accurate information on my credit report and have not done so! If need be I will seek legal representation from a consumer attorney!
Product: Credit reporting, credit repair services, or other personal consumer reports

These 2 accounts, I do NOT owe! I don't even know why it's even on my credit. Please remove them immediately. Thank you. It could be from my ex-wife 's account.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I witness negative information on my credit report about a loan I never applied for from Regions Financial
Product: Credit reporting or other personal consumer reports

As a creditor, you have previously acknowledged your inability to provide original documentation that substantiates my ownership of this debt relating to the account on my credit report in which you sold to XXXX XXXX. I have consistently maintained that I never opened an account with your company, and I have provided substantial evidence that my personal information was compromised in the Equifax data breach. This raises serious concerns regarding the accuracy of the information on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is imperative that all reported information is accurate, verifiable, and substantiated by the creditor. Given that you are unable to furnish the original documents confirming my association with this debt, I must assert that you are in violation of the FCRA. I kindly request the immediate removal of this account from my credit report within the next 7 days. Failure to comply with this request will leave me with no alternative but to pursue legal action to rectify this matter. I believe it is in our mutual interest to address this situation promptly and amicably to avoid any further legal action. The account is XXXX  XXXX XXXX. See the Equifax data breach claim ID attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed account on XX/XX/20, XX/XX/20, XX/XX/20 XX/XX/20 do to inaccuracies on credit report. XXXX XXXX XXXX {$2000.00}. They offered settlement but no verification of debt. Balance that the company is reported is inaccurate. Company will not remove from report or validate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports I noticed several accounts that does not belong to me. I had my Identity stolen and had a police report submitted. All XXXX XXXX accounts, JPMCB Card, and XXXX XXXX account balance {$570.00} does not belong to me.