23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so, the debt collectors broke the rules laid out in 15 USC 1692g. This means they needed to properly validate the alleged debt they claim I owe. They're supposed to provide evidence that the debt is real when asked, but they didn't. This violates my rights, tarnishes my reputation, and adds to the stress of dealing with them. According to the FDCPA Im entitled to {$1000.00} dollars per violation and clearly, they violated my rights.
Product: Debt collection

In XXXX 2014-XXXX/2014 me and spouse resided at XXXX XXXX XXXX XXXX XXXX, CA XXXX. On XXXX XXXX, 2014 my car was broken into within the garage on same property resulting in damages to tire nd exterior upon requesting leasing manager review camera to identify assailant was informed that there was no camera within parking garage. My wife and I got intimidated and request that our lease be vacated and we be allowed to move without penalty such as eviction or collection for future rent amount, the then leasing manager a XXXX XXXX XXXX XXXX  gave verbal permission and also signed an agreement for date we should vacate same property upon which we complied as such was XXXX/XXXX/2014. Five ( 5 ) months later we receive a notice from a collection company demanding a estimated amount of over {$8000.00} each for unknown debt, we have gotten an eviction notice from a court and we have in our possession written agreement signed on XXXX XXXX, 2014 giving us permission to vacate same property we were never warned about impending collection of debt we have also sent to the collection agency copies of several letters with leasing manager signature complying or in agreement for us to vacate the apartment building on or before XXXX/XXXX/214. We can furnish your agency with said copy also several attempt as been made through all XXXX ( XXXX ) credit reporting agency without them taking acting on our behalf.
Product: Checking or savings account

I went to my Bank of America bank I always go to XXXX around XXXX I deposited XXXX XXXX hundreds dollar bills so XXXX $ total the atm did not record my transactions or deposited my funds I stood and contacted Bank of America & filed a claim I was told I would recieve a credit which I did not so now I am without my funds without any date of when I will be receiving it back I also contacted the location it self the next day XXXX to see if they would help which they did not.
Product: Debt collection

Receiving multiple calls a day from Discover. Would call once from the main Discover Finacial number. Then would receive mutiple calls from other numbers and robo calls also trying to get me to answer or return a call to Discover trying to sell a credit card that I fell behind on. I did answer two of the calls and when I did they immediately tried to transfer me to Discover financial collections department. Discover would continuously contact me about 4 or 5 times a day 7 days a week. This went on for just over three months. The calls started when my account went delinquent after losing my job. I was unable to pay and as soon as Discover ended up suing me all the calls suddenly stopped again. This is a deceptive technique to reach me and a violation of my rights. I am considering suing for violations of the fdcpa as the calls totaled around 420 calls in just a 90 day period from Discover. No one should have to put up with a company acting this way towards its customers or any consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The account listed below has violated my federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( never provided by submitter ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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. 

Additionally, in accordance with the Fair Credit Reporting Act, the account listed below has violated my federally protected consumer rights to information being reported by the furnisher accurately and completely under Section 623 ( a ) ( 1 ) ( B ), Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : ( never provided by submitter ) has violated my rights. Section 623 ( a ) ( 1 ) ( B ) states : If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. I was never notified by the furnisher of this alleged account. The balance reported by the furnisher on XX/XX/22 states the balance is {$1300.00}, however a payment to XXXXXXXX XXXX XXXXXXXX XXXX  was made on XX/XX/22 and the balance is only {$200.00}. I never received any written information from the submitter regarding this collection account. I sent an email to the submitter on XX/XX/22 to inform them the information reported is inaccurate, incomplete and therefore must be removed from my credit report immediately. I attempted to call XXXX and XXXX on XX/XX/22 and was told they are not responsible for accurately reporting information to my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block 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 : XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I have multiple inaccuracies, 15 USC 1681. reporting to the XXXX major Credit Bureaus XXXX XXXX XXXX XXXX and XXXX XXXX I have reached out to all said corporations and agencies documented on this consumer complaint document, for the last XXXX months XXXX to XX/XX/XXXX and as far back as XX/XX/XXXX with several registered letters. I have been ignored and the emotional and financial stress it has applied to my life has limited my ability to live a safe, healthy, and prosperous life. I have been consistently denied essential necessities such as credit, automobiles, and loans due to the consumer abuse of the agencies and corporations alike. My life and ability to function sufficiently has been severally damaged because of these illegal actions, I can not get anything. My identity has been stolen and used inappropriately 5 USC 522a.
Product: Student loan

I have been having problems with Navient Private Student Loans. Every time I contact them to provide me with information and help I am told one thing by one person. I call back to speak with that same person and I have their extensions and id numbers but I am always transferred to someone new and they say that I am unable to speak with the previous person. I have been told several things about lowering my bill all have been different from the last. I am unable to pay the insane monthly payment of {$1300.00} they said they could lower to just interest payments at {$1000.00} something. I was told they could even lower that but I would have to wait until my bill is 1 day past due or more so I would be in default then they could lower my payments. I asked if they could just do it now and the last XXXX people have told me that I have to skip a payment in order to do that. The first person said I could lower it to only {$700.00} a month for the first 12 months which would help out the most but now they are saying not guarantees and that I can not even be assessed for that until I am past due. They are charging extremely high interest rate ( 12-14 % ) and I do not even remember agreeing to those high of terms. Something seems very off about the whole thing and process they are taking. I talked to them about doing a debt settlement because i had contacted a law firm, XXXX XXXX, and the debt settlement payments would only be {$1000.00} a month so way lower than Navient. All of my loans were done through XXXX XXXX and now it says Navient.
Product: Credit reporting or other personal consumer reports

There are several accounts being reported by XXXX, XXXX, and Transunion to my credit file. I did not authorize these accounts to be shared or reported to my credit profile. I have a right to privacy per the Fair Credit Reporting Act 15 USC 1681 3 ( a ) 4 which states ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I would like for XXXX, XXXX and Transunion to remove the following accounts from my credit file which will protect my privacy with the following accounts. Please remove the following accounts immediately : XXXX -- PARTIAL ACCT # XXXX XXXX -- PARTIAL ACCT # XXXX XXXX  XXXX -- PARTIAL ACCT # XXXX XXXX XXXX XXXX -- PARTIAL ACCT # XXXX XXXX XXXX  -- PARTIAL ACCT # XXXX XXXX XXXX XXXX -- PARTIAL ACCT # XXXX XXXX XXXX XXXX -- PARTIAL ACCT # XXXX XXXX  XXXX XXXX -- PARTIAL ACCT # XXXX XXXX  -- XXXX ACCT # XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I'm behind on my payments because I'm XXXX. I'm almost finished paying off this in store credit account. I try to communicate every month when I can pay. Last month they called me 3 times a day at least. They send multiple text messages. I threatened the corporate office of Conn 's Home Plus with a lawsuit for violating the law. They stopped the phone calls but repeated calls to various departments at Conn 's, I've had multiple employees tell me the only way to stop calls was to pay, even though I worked out a plan to pay off the loan in full in two weeks. They call multiple times a day, and early in the morning when I told them I sleep around that time due to XXXX because I have trouble sleeping through the night. I owe less than {$300.00} and they know they're not going to get the money quicker. They make nasty comments and suggest I borrow the money from someone and call my spouse several times a day while she's at work even though I told them to stop calling that number.
Product: Credit reporting or other personal consumer reports

My credit score wasn't perfect I'll be the XXXX to admit that but i was fixing it XXXX account at a time in the course of a year I got it back up to almost XXXX then experian offered premium services and I tried them for the health free month offer and I noticed there was no way to opt out or cancel my subscription and they never said I would be automatically charged so i left a message with support saying I wanted to cancel my subscription because its not all that great all of a sudden 7 days later I get a text message saying experian was denied payment and that went on XXXX or 6 times a day well into XXXX or XXXX am so I silenced the notification from my debit card. Well every time I tried to log into experian it said the payment I never agreed to pay was late and I could only glance at my XXXX XXXX after that couldn't do anything else well they harassed me with the text messages and the emails and the inability to check my credit report because they wanted me to pay for their utterly useless premium service after that refusal then my score was still there but there was also all the negative information in my report right there visible for anyone checking my score to see when I called them about it they thought it was funny sending me pre qualification offers from credit cards and personal loans with no impact to my XXXX XXXX I would apply and they would deny like they were rubbing it in my face and today I went to go purchase a work truck for my new business and that's when I found out they erased my XXXX XXXX my XXXX XXXX stayed the same for a long time fluctuating a couple of points here and there then all of a sudden when I told them I didn't want their premium service because It doesn't do {XXXX} worth of anything and then I just have no XXXX XXXX I need help and I think they should give me XXXX XXXX XXXX for violating my rights because I didn't want their useless product
Product: Credit card or prepaid card

I was alerted to a hard inquiry on my XXXX credit report by Bank of America. I called BOA to find out an account ( XXXX XXXX XXXXXXXX XXXX ) was opened under my name, under an address I've never lived at ( XXXX XXXX XXXX, XXXX, FL XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX maliciously reported my payment history for XX/XX/2022. The payment was due on XX/XX/2022. I requested for an extension and was granted on XX/XX/2022. I was told I had 10 days to sign this extension and make the payment. I chose to pay and sign the agreement on the same day XX/XX/2022. I received confirmation from XXXX on the executed agreement and payment receipt on XX/XX/2022. A few days later I was notified from my credit monitoring services, Ally reported I didn't make payment so they added a 30 day marker for XX/XX/2022. I spoke with their representative on XX/XX/2022 and file a complaint and investigation into this error. On XX/XX/2022, I was advise they don't care whether it was less than 30 days late or not. As long as it is close to 30 days late, they can add the 30 day marker. I expressed repeatedly it was not a full 30 days because XX/XX/2022 is not a full 30 days. XX/XX/2022 was actually 28 days. They were suppose to wait till XX/XX/2022 to see if I was 30 days late. 

This malicious action has cost me Big and is affecting my livelihood. I need to be able to work in order to make my payments. My score dropped about XXXX points. I worked so hard to maintain good credit and in one shot XXXX destroyed XXXX! 

Please help, they can't violate me and get away with it.
Product: Checking or savings account

I have been a customer at Marcus by Goldman Sachs for YEARS and suddenly they decided to close my account. I understand that this is their right, but still pathetic. The actual complaint stems from the fact that I was not notified of this! My web access still works fine and I simply get a 'we 're having technical issues ' message when I try to make a deposit. No email or account notifications were sent to me to alert me to a security concern with my account. They also could not give me any information as to why my account was being closed, which is odd to me. As I said, I have been a perfect customer with this bank for years and years, so for them to handle the situation this poorly says a lot about the company.
Product: Mortgage

I have an RV loan with Bank OZK. I recently realize that of the {$200.00} a week extra principle payments that I have been submitting, about half of them have been posted wrong thus making the current payoff higher than it should be. The only way you notice the incorrect postings is that when done correctly you see the difference in past balance and current balance is {$300.00} less. When posted incorrectly the balance only drops about {$120.00}. This over time keeps the balance higher and the payoff of the loan takes much longer. 

Bank OZK says they will only go back and adjust the figures for one year. If they have made errors as a legal banking institution it would seem they have a legal obligation to make it right. I'm being told that it was my responsibility to catch the error. In other words from OZK. " let 's see how long we can get by with doing this and if we get caught we will make a few adjustments to act like we are trying to help '' I'm guessing they have a legal obligation to do correct accounting for all of their customers and not simply see what they can get away with prior to getting caught. 

There are other complaints online for the same thing.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the erroneous items in my file that resulted from an inaccurate credit report data but I still have ITEMS left that needed to be removed. This is my XXXX letter that I was the victim of faulty credit reporting. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : Experian : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5700.00} -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2022 -- -- -- -- -- XXXX : XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5700.00}. Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to remove these items I will be referring this matter to my attorney for further action. Please do not make this a port litigious matter Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an incorrect credit reporting. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written Transunion three times requesting a late reported is inaccurate. They responded one time. Did not respond at all the second or third time. Nor did they correct the error. 

The error in question is XXXX  XXXX XXXX XXXX XXXX with a late reported XX/XX/2020. This is inaccurate and was verified as inaccurate by the creditor. 

I also asked them to correct the spelling of my middle name. They will not. 

My name is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My social security number is XXXX my complaint experian has not still, removed the credit collection account that has a balance of XXXX XXXX and also, the other negative item last, XXXX of account XXXX these as fraud items I have a XXXX XXXX XXXX  XXXX XXXX report on file please have experian remove the account s
Product: Credit reporting or other personal consumer reports

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

During the Pandemic this account showed up on my credit. I have requested the company accept payment which was previously sent to each credit bureau and XXXX XXXX. No Response and on top of everything else this account was also reporting numerous lates on my credit when I said it was mine during the COVID 19 Pandemic. 

This Creditor was not compliant with the CARES ACT. I paid an account that didnt belong to me, they never waived the lates nor made record of the payments and continue to FAIL to respond to disputes.