23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CFPB Complaint against Credit Reporting Agencies : XXXX XXXX, SSN : XXXX ; DOB : XX/XX/XXXX. The CFPB complaint has been filed to request pursuant to FRCA XXXX ( XXXX. XXXX ) that you, XXXX, Experian, XXXX XXXX reporting agency , block/remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The fraudulent, inaccurate, and false information accounts are as follows : Truist ( XXXX ) XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting incorrect information on my credit report In XX/XX/2018 I notified them that I was turning my debt over to a credit counseling company. XXXX XXXX XXXX. They negotiated with Capital one on 2 accounts a fixed monthly payment and Capital one has been paid each and every month. They accepted this payment arrangement, which was supposed to cease all collection of past due amounts and to lower my interest rates. But now they want to report me as being late on continuous months with the credit bureaus Now I am forced to file this complaint as well as get legal assistance to sue Capital one for frivolous reporting. I could have simply defaulted on this but I did not want to do that but yet they do this to me. I may consider taking them out of the program and they get nothing if this is how they conduct business. Once again a prime example of a big company trying to take advantage of the little consumer. They are just dirty and can not be trusted.
Product: Debt collection

On XX/XX/2020 @ XXXX XXXX.EST spoken with XXXX and attempt made to discuss debt with original creditor XXXX XXXX XXXX. Immediately representative stated " speak with collection agency who is now handling the account, debt must be satisfied in full ''. The amount is XXXX. During this time of crisis, I'm requesting debt sent to original creditor for payment plan options.
Product: Debt collection

I received a phone call from a number located in Texas ( XXXX ) stating, " Hello, this message is intended for XXXX, my name is ( uhm ) XXXX XXXX I am calling regarding some paperwork that I received in my office today under your name and social security number. I need you to be advised that I have a request to put you on my schedule defined by the certified notice of intent regarding a pending case that has been filed against you. Before I stop by your residence or place of employment we wanted to give you a curtesy call and inform you that you are being put on my schedule to be served. ( Male coughing in background ) If you have any questions regarding this matter you do have a legal right to contact the following party at XXXX refer case number XXXX. Now just to be clear you are being put on my schedule for XXXX between the hours of XXXX and XXXX. Unless I hear differently from the plaintiff I will be out to see you at that time. ( Uh ) XXXX you have been notified. " I believe that these people are not who they say they are and are violating SS 807. False or misleading representations [ 15 USC 1692e ] of the Fair Debt Collection Practices Act. Specifically subsections 3 and 10. I am unsure of what else this person could be misrepresenting or falsely stating, all I know is that this is not the first time they have called trying to scare me into calling them back and conning me into giving them money or my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Bankruptcy on XX/XX/18 and it was XXXX the same year, but all the accounts that were included in the bankruptcy are still showing open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax for multiple hard credit inquiries listed on my credit report that should have been counted as one that I authorized when purchasing an automobile. The dealership shopped around for the loan but did not tell me they would be doing this. XXXX and XXXX counted only XXXX inquiry but Equifax counted all XXXX separately that were made on the same day. Also several inquiries should have been removed after two years. Consequently these inquiries have adversely effected my Equifax Credit score. 
Also, my credit history on Equifax is shorter on this most recent report than the one dated in 2015 which showed two older accounts that would have significantly lengthen my credit history, Since credit history accounts for 10 % to 15 % of my credit score this too has had an adverse effect. I request help from CFPB is resolving these issues with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Dispute of Collection Account by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Dear Equifax Dispute Department, I am writing to dispute the collection account associated with my name and Social Security Number, which is currently being reported on my credit file by XXXX XXXX XXXX. It has come to my attention that XXXX XXXX XXXX has engaged in unlawful practices in violation of the Illinois Collection Agency Act ( IL CAA XXXX and the licensing requirements of the Illinois Department of Financial and Professional Regulation ( IDFPR ). By allowing the reporting of this account, Equifax is effectively facilitating the reporting fraud committed by an unlicensed agency. 

As a responsible consumer, I request that Equifax thoroughly investigate this matter and address the following concerns : 1. Licensing Violation : XXXX XXXX XXXX was not duly licensed by the IDFPR when they attempted to collect on the alleged debt. Their failure to secure the necessary licensing constitutes a violation of the IL CAA, which mandates that all collection agencies operating in Illinois be appropriately licensed. This violation nullifies their legal right to collect the debt and voids any associated reporting. 

2. Reporting Fraud : Considering the aforementioned licensing violation, any credit reporting associated with this account, even if accurate, must be considered illegitimate. Consequently, I demand that Equifax immediately remove any adverse information related to this account from my credit report. 

3. Investigation and Confirmation : I request that Equifax conduct a comprehensive investigation into this matter and provide me with written confirmation of the actions taken in response to this dispute, including the removal of the collection account from my credit report. 

Please be advised that if Equifax fails to comply with my requests and continues to facilitate the reporting fraud committed by XXXX XXXX XXXX, I will not hesitate to take further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
I expect a prompt response and resolution of this matter. All correspondence should be sent to the address listed above.
Product: Debt collection

I have reported to XXXX  that the same debit for a medical bill is being reported by two different collection agencies. The dispute was resolved that XXXX  took off one of the reporting agencies. I logged back in this month and notice yet again the same issue happened. Phoenix is reporting my medical bill from XXXX XXXX XXXX XXXX  but this is also being reported by XXXX. please help.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failure to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX 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 XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

cancel Date : XX/XX/2024 The original debt has been satified by XXXX and have no contractual agreement with XXXX XXXX XXXX that is reporting this debt on my consumer report. they are violating my rights
Product: Vehicle loan or lease

Continuing calls, wont accept my payment offer due to financial hardship of loosing my XXXX  and being XXXX  with my kids from a XXXX XXXX and the insurance paid my loan off. Apparently I didnt have Gap insurance. But I am still XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 1. Validate Account XXXX  XXXX  XXXX  XXXX  Account Number : XXXX**** 2. Validate Account XXXX XXXX XXXX  XXXX  XXXX  Account Number : XXXX 3. Validate Account XXXX  XXXX XXXX  Account Number : XXXX**** 4. Validate Account XXXX XXXX XXXX Account Number : XXXX**** 5. Validate Account XXXX Account Number : XXXX
Product: Student loan

At the time of my payment being due I spoke to lender reps about other options I had to freeze payments for a bit, bc of the reason that my home income dropped during COVID. I went from 2 incomes to 1 income, and was struggling a lot to make payments. I asked for help and was told I could only get that help when the other borrower gave permission. However, I have told them repeatedly that the other borrower is no longer around, and there is no contact with him. I have been the one making the payments each month for several years, and on time. I can't help that our household income dropped to 1 only, nor that the other borrower isn't available.

Navient refused to help me without the permission of someone not even making the payments. It is my bank acct they have been pulling from for years not his. I asked if I could speak to someone higher up, and they said " the same info would be given ''. So I was refused any help. I explained to them, " Ok ... since I am not being given help, and the situation I am in is out of my control... you are giving me no choice, but to not pay at all. '' They responded with, " Okay, ma'am I understand. '' I told them to note that is the reason why they will not be getting a payment from me for a while, since they will not help me out. 

I keep getting calls non-stop and on several occasions have told them same thing ... : '' I need help with making my payments, and Navient won't help unless I get permission from other borrower. So basically you would rather not get a payment at all than help me out so I won't fault on my payments ''. They said, " That is correct ma'am... we need permission from the other borrower ''. 

I was never once offered the COVID relief program throughout the whole time of paying. I managed to pay them as long as I could, but when it came down to needing the help Navient refused to help me. I am now behind over XXXX. I just made a payment of a little more than 300, which will hurt my situation a lot.
Product: Credit card

XX/XX/23 I received a cashapp debit card in the mail without having asked for one or ever having a cashapp account.
Product: Student loan

Daily compounded interest is killing me! My payments are always on time and I pay more than the required amount. If I pay early XXXX month and then on time the next, the # of days x interest will not let me get ahead. This is terrible!
Product: Mortgage

On XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX, I received an email from NewRez indicating that my recurring automatic payment bank account information had been modified. Neither I nor my co-borrower authorized or recognized this change. 

Upon logging into my account, which is secured by multifactor authentication, I confirmed that the bank account information was updated to a routing and account number unknown to me. This raises significant concerns about both the security of my account and the possibility of my personal bank information being compromised or misapplied to someone else 's loan. 

I promptly contacted NewRez Customer Service. During my first call, I was informed that no payments had been made ( incorrect, as I made a payment on XX/XX/year>, which was successfully withdrawn from my correct account ). I was also told that Customer Service can not change bank account information and that the change must have been initiated by me, which is untrue. 

Unsatisfied, I called again and spoke to a representative who acknowledged my previous payment and confirmed that my bank account details were changed. However, they could not provide any information about how or why this occurred, who made the change, or any steps to prevent this from happening again. Additionally, while chatting with online support simultaneously, I received the same lack of clarity. 

I asked for basic information, such as the username responsible for the change, but was told they could not provide it. This is fundamental information that should be accessible in any secure system.

NewRezs lack of transparency and inability to address a critical security issue is unacceptable. I need assurance that my personal information, including my bank account details, has not been compromised. Additionally, I expect a clear explanation of how this unauthorized change occurred and the steps NewRez is taking to secure my account and prevent future issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is misusing my credit report for purposes that aren't allowed by law. Pursuant to 15 U.S.C 1681a ( 2 ). My report contains information solely as to transactions or experiences between me the ( consumer ) and the ( corporations ) " person '' making the report. This is detrimental and harms my reputation and mental health. These reports are causing " persons '' to turn around and violate me by harassing me and using obscene or profane language.
Product: Credit reporting, credit repair services, or other personal consumer reports

After investigating an unfamiliar debt listed on my credit report, which I looked into after being denied credit, I discovered that the debt listed on my report was for a different person, at a different address, for a different and lower amount than listed on my credit report.   I asked  XXXX  to investigate this obvious fraud, and they came back with the stance that they would keep it on my report until   XXXX   and include my statement detailing why it is fraudulent.     This is a breach of trust and failure to investigated reported debts and uphold accurate credit reporting rules as is required by credit reporting agencies. Because of this misconduct, I request that CFPB investigate this debt report  ( p reviously reported here  ) and compel the credit bureaus to increase screening and implement debt validation practices and to be forbidden from reporting false and damaging information on a consumer 's credit report.      This credit bureau will be held liable for damages caused for acting in bad faith and failing to verify reported debts.
Product: Debt collection

The debt was one of several medical debts I had. In 2017 I had begun paying off first the smaller amounts owed. The debt in question was {$410.00}. The Collection agency was XXXX XXXX XXXX. This bill was paid in full by personal check written XX/XX/2017. BUT it keeps re-occurring on my credit report under the credit collection agency of Piedmont Credit & Collection Service. I have reported this to both XXXX  and XXXX  but it keeps coming back when I check my credit report/file.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, a Credit Alert was sent to me reflecting that my credit score dropped by XXXX points due to a 30 day late payment marked on my personal reporting. This same event happened before on XX/XX/XXXX, I checked my Credit Report and saw a late marked from TD Bank. I looked online and couldn't see the account in reference. I went into the branch and they admitted that my new business credit card was not linked to my customer profile to make any payments until fixed at the TD Bank branch yet they still auto 30 day late to Credit Report. The manager called the collections department together with me to attempt to get it removed but fell short of getting it done. Collections stated that I need to open a case for it was out of their hands. 

This time in XXXX, I can see the account online but they obviously still have it tied to my personal SSN. 

This a business account that has its own XXXX  associated to it. Why is it appearing on my personal credit bureau.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter ( tracking # to JH Portfolio Debt Equities which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or applications obligating me to this debt this company claims I owe since I never recall establishing an account with the creditor in question. JH Portfolio Debt Equities has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of JH Portfolio Debt Equities. JH Portfolio Debt Equities is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Product: Money transfer, virtual currency, or money service

Job scam and equipment purchase scam that resulted in fraudulent transactions In the amount of {$980.00}. 

A fraudulent check was deposited. Bank is not holding owner of account responsible for a fraudulent check but a fraudulent Money transfer was sent and bank is holding account owner responsible even though owner was absolved of the fraudulent check issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 Flagship Credit Acce added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, Flagship Credit Acce has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Product: Credit card or prepaid card

Merchant made unauthorized charge on my capital one credit card. Merchant saved my card in the square app as a recurring charge for a service that I canceled within the cancelation period. Merchant acknowledged this, and said he would dispute on my behalf and issue refund but did not. I contacted capital one credit card to let them know that this was a fraudulent charge, a charge that I did not authorize. Capital sided with the merchant and billed me regardless of all my supporting documentation from the merchant that I have in writing in the contract and text messages saying that the charge is unauthorized and that I am entitled to a full refund. Capital one is completely disorganized.
Product: Credit reporting

I have disputed wrong information on my report since XXXX/XXXX/26, and I have not receive any disputed results from equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX  XXXX XXXX  XXXX {$16000.00} XXXX  XXXX XXXX  XXXX {$20000.00} XXXX   XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$900.00} XXXX  XXXX BANKRUPTCY XXXX XXXX {$0.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX XXXX {$12000.00} XXXX XXXX   XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX are reporting two different amounts of late payments which is in accurate.

15 U.S. Code 1681
Product: Checking or savings account

On XX/XX/year> I checked my navy federal online bank account and there were two unauthorized transactions made. I immediately called them to report the two transactions as fraud navy federal issued me a new card and started an investigation. About a week goes by and i received a email saying that they didnt suspect any fraud also saying that my card was physically inserted into the ATM and my PIN number was entered which I find impossible. I knew nothing about these purchases my card was used twice once for {$23.00} and a second time for {$25.00}. I never left my house and my card was in my wallet the whole time so im confused on how this even happened. When I first filled the claim navy federal gave me a credit until the investigation was over, but when they claim that no fraud was detected they took the credit back and my account has been in a negative standing ever since. As a consumer I have no idea where to start to even prove that I didnt go to the store and make these purchases. I was literally on the phone crying while taking to the representative, even though a huge amount wasnt taken from me I'm at broke XXXX XXXX barley making ends meet and I turn around and this happened! Plus my claim was DENIED and I now owe my bank for money I didn't spend nor do I have to pay back! I havent been to this particular store in months and theres definitely no reason for me to spend almost {$50.00} at a corner store! Navy federal didnt help me at all and now im forced to use a different bank card. This is the second time my bank card had been hacked and the third time ive had to receive a new card from this bank!
Product: Money transfer, virtual currency, or money service

I was sent money to place into a bitcoin machine for a transfer. I used a Bitcoin Depot machine to transfer {$2000.00} into bitcoin. The machine did take the money and record the transaction ; however, I have been unable to send the bitcoin to my friend. Customer service states, over and over, the money is there in the system. Supposedly, there is a glitch in the system that began with the blockchain being messed up. I have repeatedly called and no one has the ability to give me an update or a completion date for the issue to be corrected. This has gone on for six days. The policy states that when the money is completed into bitcoin, it can not be reversed. I really would like a refund of my {$2000.00} to begin with another company. Bitcoin Depot has XXXXXXXX XXXX XXXX and is completely being unperfessional. This needs to be fixed.