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

On  XXXX / XXXX /   2017  I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XXXX   XXXX  I accidentally  made two electronic payments. I placed a stop payment on one of them to avoid an overdraft and l et the other payment process through my bank. I notified  XXXX  of my Intentions on the  XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all   XXXX   credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in t he two years sin ce opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide y ou with one
Product: Student loan

My student loan was forgiven due to the XXXX student loan forgiveness program on XX/XX/XXXX. I was advised that I had an overpayment and refund in the amount of {$970.00} that was sent on XX/XX/XXXX and to allow XXXX weeks from the processed date to receive the check from the XXXX Treasury XXXX Please see attached correspondence from Aidvantage. I have this in writing from them. I've spent several hours following up after the XXXX weeks and was told to wait a little bit longer each time. Finally, my last call on XX/XX/XXXX she said they will most likely need to re-issue the check. The representative was going to escalate the issue and said they would reach out to me through correspondence online with an update. I never received an update so I called again XX/XX/XXXX and was not told there is no check coming. All I want is for them to re-issue the check that was promised in writing. We are now at XXXX weeks and I can't believe I've had to spend the amount of hours I have on this issue just to be told there isn't a check coming.
Product: Mortgage

Through a nasty divorce, I was awarded the family home which was in serious default. My ex ceased making pmts XXXX. I was out of state due to my father 's death ; my ex started drinking heavily ; and landed in jail for 5 months. I filed for divorce XXXX & the judge restricted my ex from the house. I was living with my son for personal safety. The house was vacant XXXX - XXXX when I moved back in after being awarded the house in the divorce. I first went to HUD in XXXX to work with a representative on how I could keep the house. In XXXX XXXX, I tried to reach her and found out she was no longer there! At that same time, US Bank assigned a Relationship Mgr to be my point of contact while requesting pmt relief/modification. XXXX, I was assigned another Relationship Mgr! Since XXXX, the only communication from either of these XXXX Relationship Mgrs has for me fax the same documentation that I have faxed numerous times before! No one will tell me the status ; what the next step is ; nothing! And then when questioned, I was told US Bank will not put in writing the process or time frame! And now I find out I have to start the process all over again because I did not receive a packet the Relationship Mgr was to send me in XXXX XXXX and never returned my calls letting her know I had n't received it!! I have even rented out XXXX bedrooms in the house since XXXX as well as the shop! And have provided over & over again proof of this by way not only bank statements but copies of the checks! The interest rate is 8.9 %! 
I need to be able to speak to someone that can help me. I have done everything they have asked of me and I ca n't get any of the same courtesy back. If they are n't willing to help me, then they need to let me know so I can go on with my life. It 's the not knowing that has added for much stress and it 's effecting my health. Can you imagine living in fear that XXXX day there will be a knock on the door and being told you have to vacate? I live with this daily and my boarders ca n't sign a long term lease because I DON '' T KNOW WHAT IS GOING TO HAPPEN! I truly believe you are my last resort. Thank you.
Product: Credit reporting or other personal consumer reports

After mailing Experian a dispute letter asking them to investigate accounts and information that's being reporting inaccurately and unlawfully, they have yet to respond to me with any updates about an investigation nor did they fix any of the errors. I am aware that it is their duty to be compliant with the laws that they agreed to in which they failed to do what's fair and equitable for me as a consumer. The information listed in my dispute letter can not legally be verified inn where there is no signed contracts, agreements, or receipts between me and the creditors reporting the alleged debt. How can they report any account if by law there must be proper verification? How can I owe a debt without a proper agreement or contract set in place? By them reporting these accounts without my consent to share my personal information, there creditors listed in my dispute is in violation of violation my right of privacy. I mailed them a letter asking them to cease all communications with me in which they are legally supposed to stop contacting me which means stop reporting this account through any medium. Violations committed by Experian and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Product: Credit card or prepaid card

On XX/XX/XXXX, my credit card was charged for a sum of {$220.00} from XXXX. After seeing this charge, this was the first time anyone with legitimate access to the credit card XXXX my wife and me ) had ever seen this website. 

I filed a claim in XXXX, and received a confirmation email that an investigation was starting for this charge. I received a new credit card and disposed of my old credit card. 

On XX/XX/XXXX, I received another notification from Chase stating that the case has been closed because I " received benefit from the transaction ''. 

I have not received any sort of benefit from the transaction. I did NOT make a purchase through this website. I had never even seen the website. I did NOT receive any items from this site. I certainly did NOT benefit from this transaction.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  XXXX Opened XX/XX/XXXX XXXX  XXXX Opened XX/XX/XXXX, XXXX Opened XX/XX/XXXX, XXXX Opened XX/XX/XXXX, XXXX Opened XX/XX/XXXX, XXXX XXXX Opened XX/XX/XXXX violated my rights. 


i looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalif, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information. as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to15 USC 1681s-2 they are suppose to 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 XX/XX/2020, I wrote to Portfolio Recovery about Account # : Unknown for an amount of {$3000.00}. It has been over 30 days and I did not get a response from them with proper validation of this debt as requested in my communication to them. I am requesting that they must cease collection efforts, and remove negative items placed by them on my credit report.
Product: Credit card or prepaid card

I don't know if a financial credit card company can do the following or not? 

I received a credit card with a Balance Transfer Offer that I took advantage of and since XX/XX/XXXX I've had the same Minimum Payment Percentage for my monthly bills until this month. When I received the card and its documentation, a specific Minimum Payment Percentage was stated. My {$0.00} APR Balance Transfer does not expire until XX/XX/XXXX. However, the Minimum Payment Percentage doubled this month. Are they allowed to do this? 

Also, I typically pay the same amount every month from the 1st statement on, which is typically more than the Minimum Payment. I do not typically look at my statements monthly because I did not know that they could change their process or the Minimum Payment requirements. Luckily, I did look at this month statement or I would not have met and paid the new Minimum Payment. Balance Transfer Agreements specifically state that you have to meet the Minimum Payment or the {$0.00} APR Balance Transfer Agreement would be null and void. Changing the billing process in the middle of the Balance Transfer Agreement, seems a little predatory to me where they might get a certain number of participants mistakenly missing the increase and therefore, breaking the original Agreement. They told me that the information regarding this change was emailed, but I can not find any notification of it. 

If they are allowed to do this, I guess I do not have a complaint. 

However, it doesn't seem fair that they can change the Minimum Payment Percentage during a specific Balance Transfer Offer Agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agent XXXX XXXX of XXXX told me that her investigation found that XXXX has a glitch in their back-office auto-payment system that caused one of my payments to be 30 days late. XXXX XXXX noted her findings in comment # XXXX in their system. She also sent me a dispute form and walked me through exactly what to say on the form and reference comment # XXXX. 

XXXX has a glitch in their back-office auto-payment system that caused one of my payments to be 30 days late. XXXX will not take ownership of this computer glitch. 

XXXX will not PUBLICLY acknowledge that their system has a problem and has refused to correct the late payment credit reporting on my account. Now XXXX has locked me out of my account completely. ( see attachment ) I made of 40 calls trying to resolve this matter. During that time I was under the direction of agent XXXX XXXX. Now XXXX will not allow me to speak with her regarding her internal investigation. They are now saying they have no record of this in their system. This is not right for XXXX to do this to consumers of their products. Please help me with this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc . ) do to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

I received a loan from world finance and and lost my job and tried to use the credit life protection that was included in my loan and was denied and sent to collection now i have mutiply collection account when i was enrolled in a service i could n't receive
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Consumer Loan

I totaled one car through Honda Financial and purchased a new car through Honda. I made my first payment for my new car. They mistakenly applied it to the totaled car. They sent me a check for over payment. I called, they stopped payment on the check and told me they would apply a credit to my new car account. It has bee 60 days and they have me a 42 day reporting late status to the credit agencies. They have acknowledged their errors but can not correct the reporting immediately. Thus, I was turned down for a refinance of a home loan because my score was affected by the drop due to their mistake. I have to refi my home immediately. I will have to file bankruptcy very soon because of medical expenses that were not billed correctly to my insurance carrier. This is causing me a hardship and a loss. They are not offering a reasonable solution to their mistake of reporting false information. The inaccuracy is causing me a hardship and the reporting is false.
Product: Debt collection

Upon seeing my credit reports I discovered a debt in collection I have never heard of. I don't think its fair I was not mailed any information prior to it going on my credit report. This makes me question if it is really mine or an error
Product: Debt collection

Calvalry collection is trying to lawsuit me over a debt that hasnt been active since XXXX covid. In California you have XXXX  years to do so. Its almost XXXX XXXX XXXX. They just now filed and contacted me although there paperwork has XXXX you must go by the date of service its to late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XX/XX/XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiryXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Took out a loan from Citibank in XXXX, I was late, XXXX  bought the loan, Citibank no longer has a student loan division. I paid off the loan in XXXX with XXXX. Citibank is still reporting it as derogatory and no one at Citibank can help. Ive called emailed and written they told me to get in touch with firstmarkservices which deals with all of Citibank student loans now. But they have no record on me. Help!!!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX DATE XXXX These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Debt collection

PROCOLLECT INC # XXXXhave a a unverified account from PROCOLLECT INC . I had previously disputed this account. I have never done business with PROCOLLECT INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PROCOLLECT INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PROCOLLECT INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This document is for fraudulent accounts opened in my name using my personal information without my authorization or permission. 
I am a victim of identity theft and did not open these mentioned accounts. 
I am a victim of the XXXX  data breach state issued id have been compromised and my social security has been also obtained. 
My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. 
I am not responsible for any of these charges or accounts.
Product: Debt collection

Subject : Formal Consumer Dispute Regarding MEDICAL DATA SYSTEMS INC. 

To Whom It May Concern, I am writing to formally dispute the reporting of a debt collection by MEDICAL DATA SYSTEMS INC. on my consumer credit report. This dispute is based on violations of my rights under the following federal laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency has not provided the required validation information for the alleged debt. Despite this failure, they have furnished and continue to report this account to consumer reporting agencies. This is a clear violation of the law.

2. 12 CFR 1006.34 ( c ) ( 4 ) : I have not been given an opportunity to dispute this account. The agencys failure to provide proper notice has deprived me of my right to dispute the validity of the alleged debt before it was reported.

3. False, Misleading, or Deceptive Practices : The agency has engaged in practices that are false, misleading, and deceptive in their handling and reporting of this account. Such behavior violates the Fair Debt Collection Practices Act ( FDCPA ).

4. 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( XXXX ) : The agency has no authority to report this account to any consumer reporting agency without first providing all disclosures required by law. By furnishing information without complying with these requirements, they are in direct violation of these regulations. 

Request for Immediate Action I am requesting the following actions to resolve this matter : 1. Immediate Deletion of this debt collection : Remove this account from my credit report as it was reported unlawfully.

2. Proof of Validation : If the agency believes the debt is valid, provide all validation information required under federal law.

3. Cessation of Reporting : Immediately stop reporting this account to consumer reporting agencies until all legal requirements have been fulfilled.

Timeline and Legal Remedy Please resolve this dispute within 14-21 days of receiving this letter. Failure to comply with these demands may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulatory agencies. Additionally, I reserve the right to seek statutory damages of {$1000.00} for these violations as provided under the FDCPA. 

Thank you for your prompt attention to this matter. I look forward to your written confirmation of the resolution. 

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

I have PAID Charge-Offs with XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX as well as charge-offs that no one has been able to verify and PROVE that are mine with XX/XX/XXXX, XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XX/XX/XXXX XX/XX/XXXX and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. There's also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XX/XX/XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Product: Debt collection

Midland Credit Management is claiming a debt belongs to me that I believe was falsely opened in my name or they are collecting from the wrong person. I have sent multiple letters and now I am sending via certified mail requesting proof that it is my signature on the original contract, and they have yet to provide it and still report it on my credit. I have even offered a settlement simply to remove it from my credit in an effort to just put it behind me even though I do not believe the debt is actually mine, and they will not respond to any attempts. They keep threatening lawsuits but I continue to stand my ground and request, over and over, proof that there even was an original contract for the debt that they bought. They give me no information other than n alleged billing statement from an original creditor, sill without my signature.