23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had work not done or done properly at XXXX car shop, went to another to get it corrected refused to reverse or credit the original non work, said i was a pi and was sent fraudulently signed docs. Refused toc all the XXXX company. Abused me. XXXX.
Product: Debt collection

RTR Financial Services Inc is in Violation of the FDCPA and FRCA. On XX/XX/23 I recieved another communication from them stating I owe them {$550.00} in which under 15 USC 1692b ( 3 ) states a debt collector shall not communicate with such person more than once unless requested to do so by such person, also their in violation of 15 USC 1692 b ( 2 ) stating the amount of debt to be owed as {$550.00}, Violation of 15 USC 1692 b ( 5 ) which states not to use any language or symbol on any communication effected by the mails or telegram that indicates that the debt collector is in the debt, collection business or that the communication relates to the collection of a debt, also 15 USC 1692c ( 3 ) by Contacting me at my place of employment ( without consent ), also 15 USC 1692 b ( 2 ) which states a debt collector shall not communicate with such person more than once unless requested by such person [ in which I never requested that they send me anything, as this is the second notice sent to me which is a form of harrassment ], as I filed a complaint stating that I do not wish to do business with them, also they are in violation of 15 USC Section 602A which state I have a right to privacy. I also demand that the CFPB enforce the law, as this is my second complaint about this company and under 15 USC 1681m I am entitled to monetary relief in the penal sum of {$1000.00} per violation in which which in this letter there is a total of 5 bringing the amount of relief to {$5000.00} United States Dollars. Once again I have no lawful contract with this company, nor do I consent to them contacting me including at my place of employment or anywhere at all.I authorize the CFPB to use whatever method available to enforce payment to me the consumer for violation of my federally protected rights. 
XXXX XXXX XXXX / CONSUMER without recourse [ Please note the address they are mailing is my work address XXXX XXXX XXXX XXXX XXXX as seen in the attached documents ]
Product: Debt collection

Company keeps calling me but has not submitted written verification of debt to validate the debt or what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX, XXXX XXXX, XXXX CARD XXXX,
Product: Debt collection

I had an operation in XX/XX/XXXX and my insurance covered all charges. Received notification from the provider XXXX XXXX in XX/XX/XXXX indicating they were n't paid. Called immediately and gave them insurance info. Never heard back. 
XX/XX/XXXX ran my yearly credit report and found a collection agency had put negative mark on my report. Called agency and asked who they were representing, why they had never sent me any kind of written notification or called me. 
They claimed they had wrong address and claimed to have called me XXXX times, which was an out and out lie. I never received XXXX call or message from them. Told them by not giving me the opportunity to dispute the debt, and immediately reporting my account to the credit bureaus that they violated the Fair Debt Collection Practices act. They did n't seem to care I then requested they provide me with proof that their client, XXXX XXXX, had filed a claim with my insurance company on a timely basis, and what exactly I was billed for, and they refused. It is companies like this that give the whole industry a bad name.
Product: Mortgage

On XX/XX/XXXX2022 I received my property tax bill in the amount of XXXX which I forwarded to my mortgage company Mr. Cooper screen shot attached. On XX/XX/XXXX2022 my mortgage servicer stated they were still looking into my issue. Then on XX/XX/XXXX2022 I was sent a disbursement check in the amount of XXXX which I used to pay my property tax bill since there were no longer enough funds in my escrow account to cover my property taxes of XXXX and I did not want to become delinquent. Then on XX/XX/XXXX22 Mr Cooper paid my property taxes in the amount of XXXX which is incorrect and I want XXXX refunded to my escrow account and requested this back on XXXX XXXX, 2022. My query is still unanswered.
Product: Vehicle loan or lease

I traded in the subject vehicle that was financed with Mercedes Benz financial services. for new XXXX. Well tell seeing dealership XXXX XXXX was infact floating notes and not paying the lienholders after they received the payoff from myself. So the dealership has my car and has not paid off the leinholder so now i have a collection with Mercedes Benz. The dealership is now under bankruptcy and the dept is still showing as unpaid
Product: Mortgage

Our mortgage was purchased from GMAC by Ocwen in XXXX 2014. They are claiming that we have been late on our payments, have not had insurance, etc. We have proof from our bank showing payments being mad on time and proof from our insurance company that we have always had insurance through them without any lapse in service. We are asking for assistance in getting Ocwen to acknowledge our payments, stop sending us mail saying we owe them more money, and stop them from foreclosing on our house, as I know that is what they intend to do.
Product: Mortgage

Hello, Suntrust Mortgage Inc services our mortgage loan. In XXXX XXXX, I submitted a request to Suntrust Mortgage Inc to modify our interest rate since our rate would be adjusting XXXX XXXX to a higher mortgage. We can not qualify for a refinance of our loan because we are self-employed. Over the last year we have had XXXX Home Preservation Client Representatives with SunTrust Mortgage Inc. We submitted all the documents request by SunTrust Mortgage Inc. regarding our loan modification but have never received an answer regarding our request or follow from any of our XXXX Home Preservation Client Representatives with SunTrust Mortgage Inc. My husband and I would like to keep our property but like to modify the rate to a lower rate to be able to keep our property. I am not asking for a principal reduction only to lower our interest rate so we can keep current with our mortgage payments and continue to pay per the terms of our agreement. I would try to refinance but we do not qualify for a regular since we are self-employed. Our payments are not delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

XXXX XXXXXX/XX/XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2021 my stimulus payment was deposited into a chime account which I was using for savings instead of my credit Union account. The next evening I began transferring money into my XXXX XXXX. They suspended my account and after providing all of the proof of identity that they asked for and numerous emails and phone calls, it is now XX/XX/2021 and I still do not have access to my funds and I am also no longer receiving responses from Chime Bank.
Product: Checking or savings account

Good morning : The thing is that Well Fargo asked me a while ago to update my status, in online banking I sent them everything they asked me for two months ago, I am an American citizen, and since Friday the XXXX I went to make a payment and my account was blocked, without telling me the reason, I called XXXX and he told me that because I am XXXX for me this is called discrimination, I did online what they asked me, I sent my passport of citizenship, I updated my phone number, my address and I thought that everything was Redy if they needed anything else they never called me or told me anything in online banking they told me it was under review but everything was fine, I have automated payments and my account closed, I hope you please help me resolve this as it has always been with you, I thank you in advance, ahh your credit cards those are open, I am retired and the money that my retirement and social give me I can not use it ... thank you, I await your respons
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint over a Bankrupcty that is not accurate and was deleted from my XXXX XXXX due the items being inaccurate. I have the unverified information please delete the following : USBK COURT XXXX XXXX. I am in the process of closing on new business equipment and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report. If the above items are inaccurate, misleading, and incomplete. I expect you to make a re-investigation immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

I have already disputed these items with the bureaus but they did nit remove them, nor prove validation under Sec. 609 FCRA.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I was a XXXX customer for over 5 years when I decided to switch to another carrier ( approximately XXXX of XXXX ). When I switched, I *believe* XXXX continued to bill me ; therefore, I called their customer service number ( early XXXX of XXXX ) to receive an accounting. XXXX informed me that they could not give me an accounting because they could not access my account. They stated that they could no longer use my phone number to look up the information. I went to the XXXX store in XXXX, Arizona but they could not look up my information either. I informed XXXX that I would not pay their bill until I had an accounting, which I have never received. I have spent more than a few hours trying to obtain this information. 

I discovered recently that my XXXX XXXX dropped from XXXX to the low 600 's because of the XXXX dispute. I, therefore, called them again on XX/XX/XXXX to inquire about the amount of the bill and to ask that they reverse all damaging reports to my credit related to this matter. The collection arm of XXXX informed me that they would send documentation in the mail but I have not received this information. 

The amount that XXXX is attempting to collect is {$170.00} but what concerns me most is the damage to my credit which is nearly perfect. XXXX has made a few offers to settle but has still not provided an accounting nor will they promise to expunge my credit damages. 

Finally, I wonder if XXXX has a pattern of this practice. 

Thank you, XXXX XXXX
Product: Debt collection

XX/XX/2017 an account was open from XXXX XXXX XXXX under my name XXXX XXXX. They have put it under fraud since I did not open this account or have any knowledge of it till the debt collector called me
Product: Credit reporting or other personal consumer reports

TO WHOM IT XXXX CONCERN I recently received a copy of my Equifax report, and I noticed some incorrect information reporting on my credit report.

Your company is in clear violation of the law. Under 15 USC 1681b- Permissible Purpose of consumer reports. THE LAW CLEARLY STATES : ( A ) In general Subject to subjection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you permission to furnish this account on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumer credit report clearly states ( A ) ( A ) EXCLUSIONS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - Subject to section 1681s-3 of this title, any- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Failure to respond satisfactory with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which i will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC S 1692g violations 4. Fair Credit Reporting Act 15 USC s1681 violation for willful noncompliance- s616 Civil liability for willful noncompliance [ 15 USC S1681n ]. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. {$3100.00}.
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 Acct # XXXX has violated my rights XXXXXXXX XXXX  Acct # XXXX has violated my rights XXXX XXXX XXXX  # XXXX has violated my rights XXXX XXXX XXXXXXXX Acct XXXX XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit alert account with EXPERIAN and I pay monthly fee. When I bought a new car in XXXX XXXX2022, the car dealer XXXX of XXXX XXXX used Experian to check credit. The Salesman showed me my credit report Score from Experian is XXXX, yet when I opened my ONLINE ACCOUNT WITH EXPERIAN MY SCORE IS XXXX... XXXX ON MY PHONE the same day I showed this to SALESMAN. This is fraud and Breach of Contract. I pay Experian to protect my credit and Experian send BAD SCORE to merchants, so I ended up paying more, merchants make more money. EXPERIAN USES DECEPTION
Product: Credit reporting or other personal consumer reports

Online information XXXX XXXX XXXX date XX/XX/year> {$350.00} I did not open this account, and I have never authorized any transactions or credit associated with it. This account was opened fraudulently without my knowledge or consent. 
I kindly request that you investigate this matter, remove the fraudulent account from my credit report, and take any necessary steps to prevent further damage to my credit.
Product: Credit reporting or other personal consumer reports

Synchrony bank is updating debt to affect my credit score and XXXX XXXX XXXX is allowing it. 

After complaining to XXXX about fraudulently practices, Synchrony Bank has been using retaliation tactics to bring down my credit score. I am still not accepting the amount that Synchrony says I owe. Synchrony bank knows the law about phone XXXX, so they are XXXX  me by email. 

Synchrony Bank wants me to make a payment on the account, therefore ; accepting that the debt is correct. Only to receive a payment and add fraudulent interests. 
SYNCHRONY BANK have reported several different things on my credit report, which furthermore proves the fraudulent practices. 

Attached to this message is the different things this bank has reported on my credit report. And a Bank statement showing you the last payment I made in 2023. This is not a revolving account. This account is closed. 

I want this bank to be held liable for fraudulent practices!
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested validation of debt. I keep on receiving notification that the debt has been validated. I have sent several request for validation and have not received any thing. This collection account was added to my credit report on XX/XX/2019 and I never received any call or letter in the mail from this company notifying me of any debt owed. I have been fighting for a resolution and I am not getting anywhere. 

Company : XXXX XXXX XXXX Date opened : XX/XX/2019 Amount : {$730.00}.
Product: Checking or savings account

Navy Federal closes my account due to late and overdraft fees.
Product: Mortgage

On XX/XX/2016 I sent my mortgage payment in for XX/XX/2016, on XX/XX/2016 Ocwen received my monthly mortgage payment for XX/XX/2016. On XX/XX/2016 the check cleared my bank account. My monthly payment breaks down as : Check # XXXX ... ... total amount due for mortgage payment is {$1200.00} ... ... total amount I sent to Ocwen for XX/XX/2106 payment {$3000.00} ... ... I specified clearly on the check and on the monthly payment coupon for XX/XX/2016 sent to me by Ocwen, that I would like {$1800.00} to be applied to the PRINCIPAL payment of the loan and the rest {$1200.00} is for the XX/XX/2016 monthly payment. [ now out of the {$1200.00} there is a portion of that, that goes to the principal ] On XXXX I logged into my account on line and noticed that Ocwen failed to properly distribute my funds correctly. As you can clearly see, Ocwen applied all of my funds to the principal and nothing to the monthly payment. Since they have done this my account now shows that I still owe for XX/XX/2016, and in reality my account should next be due in XX/XX/2016. Yes, I am one month paid up on my mortgage payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and I contacted Equifax in order to resolve these issues.They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Account Information Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX XXXX XXXX XXXX This letter serves as a formal dispute of inaccurate and unverifiable information reported by your company on my credit profile, specifically regarding account [ Insert Account Number ]. My credit was affected by the XXXX data breach, and I have reason to believe this account is fraudulent, inaccurate, or unverifiable. I am prepared to consider legal action should this matter not be resolved promptly. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to : Provide complete validation of this account, including a signed agreement with my original creditor that proves my obligation.

Ensure the accuracy and legitimacy of the information reported to all credit bureaus.

If you can not verify this account within 30 days of receipt of this letter, you are required to remove it from my credit report per FCRA guidelines. Failure to comply may result in legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing litigation. 

This dispute includes : Copies of my identification and proof of address for verification purposes. 
A detailed statement of the inaccuracy and why the account is disputed. 
I expect written confirmation that this account has been removed or verified, along with an updated copy of my credit report, within the legally required timeframe. Should you fail to act, I reserve the right to pursue all available remedies under the law. 

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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account which is XXXX XXXX # XXXX that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX ) i'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.