23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX overcharged me for cable and internet services. I was moving to a new location thus I called the company to cancel the services on XXXX XXXX, XXXX which was 5 days after the billing cycle ended. Even though I did not use the company 's services after XXXX XXXX the company charged me for the full service cycle from XXXX XXXX to XXXX XXXX for {$140.00}. Subsequently, XXXX never reached out to me after the XXXX XXXX date when I called to cancel. XXXX then had a debt collection agency try to obtain the debt which is incorrect since I did not use their services once I moved from the location on XXXX XXXX. Currently, XXXX and the debt collection company have reported the transaction to the credit bureaus which impacted my credit score. XXXX aggressively and incorrectly took action to overcharge me as a customer - they should not be allowed to charge for a full payment cycle once I cancel the services.
Product: Mortgage

American Financial Network, NMLXXXX, called my Donotcall registered cell phone from XXXX fraudulently claiming to be associated with the Veterans Affairs Department and offering financial services. I have no business with this company.
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 ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XX/XX/XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit card

I received a bill for my American Express corporate card for a charge in XX/XX/XXXX I never initiated. I disputed the charge, advising I was never in that location, and there will neither be any A ) security footage of me using that card in that location or B ) documentation with my signature. Amex came back without any footage from the store in question and with a receipt that did not have my signature on it. The person who signed the receipt did n't even try to sign my NAME, much less my signature. AMEX claims the receipt which is clearly signed by someone else is proof enough and that I am responsible for this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  account. 

Creditor agreed to delete account when divorce was finalized and never deleted. Improper reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I paid off my Chase Southwest Credit Card Ending in XXXX for {$10000.00} on XXXX XXXX. I was told on a phone call on XX/XX/XXXX at XXXX CST for 6:07 seconds that the account was closed, paid in full, and no further payment were needed as the account was in good standing. See attached documents proving the card was paid off in full. How can there be late payments on the account if theres a balance of XXXX? Somehow there are now late payments from XX/XX/XXXX to XX/XX/XXXX. I asked XXXX and XXXX to verify the account and they deemed it accurate. My credit report of XXXX XXXX XXXX are still showing these inaccuracies. According to USC 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. 

Thank you for hearing my complaint and I look forward to hearing from you soon.
Product: Debt collection

This debt is being reported on my credit reports without validation of debt. I disputed this debt with Calvary Portfolio Services on XXXX/XXXX/2017. To date I have not received ANY correspondence validating the debt in which they say I owe and what is being reported to all XXXX Credit Reporting agencies. As of today it has been a total of 81 days since my original request and this company has ignored me and failed to provide validation of this debt. However, Calvary Portfolio Services, LLC., is still reporting this alleged debt to all XXXX credit bureaus monthly. This has adversely affected my credit score and has limited my credit worthiness.
I initially requested DEBT VALIDATION from Calvary portfolio on XXXX/XXXX/217. I never got a response validating the debt. What I received was a letter dated XXXX/XXXX/2017 stating they were in receipt of my dispute letter and could not investigate because my " dispute '' lacked information that would allow them to investigate. What I requested was debt validation. In that request I specifically stated that this is NOT a refusal to pay but a request for debt validation. However, Calvary Portfolio decided to ignore my request for debt validation and simply label it a dispute. This was done twice. The same exact correspondence was sent again on XXXX/XXXX/2017 after I sent a SECOND written debt validation request.
Calvary Portfolio continues to report this invalidated debt on my credit as verified. What exactly was verified that would validate this debt and prove that I am in fact that responsible party and why have I yet to see such information. Calvary Portfolio has and continues to violate my consumer rights.
Product: Debt collection

XXXX XXXX was extremely verbally abusive towards myself, and my husband. He used foul language, told me that I was stupid, and indicated that I need to pay my debt because it is " pocket change '' to most people. 

During a national pandemic this company, and this man, have incessantly been bothering me beyond comprehension. Their tactics are mean, abusive, and illegal. Something needs to be done about XXXX XXXX. 

If the bank can honestly say they support this type of tactic for collection matters, then word of mouth will surely begin to circulate.
Product: Debt collection

I am about to file bankruptcy. I sent 4 emails to this company asking them to only communicate in writing. The first was sent XX/XX/XXXX, and then again on XXXX, XXXX, XX/XX/XXXX and again today. They keep calling, sometimes as late as XXXX. I mailed a letter to their office on XX/XX/XXXX as well. At this point, I am not answering but they have been asked several times to stop and continue to call
Product: Debt collection

I was served with a Civil Complaint by the XXXX XXXX Sheriff on XX/XX/XXXX representing Apothaker Scian P.C . After looking into this account, it was charged off, closed and sold in XXXX with no activity since XXXX XXXX XXXX. They are threatening to take me to court for this old debt. They state that I owe {$1100.00} and any accompanying court cots. I am on a limited budget, not so great health, live with my son and they want to try and sue me? I don't have money for an attorney nor can I make it to court to fight them.
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. 

Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX {$1300.00}, 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 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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Illegal advertisement of downpayments and installments, Lack of full disclosure, and no equal consideration of contract I had to pay a {$1000.00} downpayment when purchasing from this company which is not a customary sum for a down payment which is a requirement according to the following US code : 15 U.S. Code 1662 ( 2 ) - Advertising of downpayments and installments Stating No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 


XXXXBridgecrest put up nothing of value on their end so they had nothing to lose ( no equal consideration and lack of full discolsure ) I have reached out to Bridgecrest via mail requesting a full accounting of my accounts but was denied and threatened. The following code shows the loan application that is tendered is equal to the amount of Federal Reserve note that the application is applying for. 
12 U.S Code 412 Application for notes : collateral required The second sentence of this code states : Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I asked you to investigate items that I believed were reporting not 100 percent accurate. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is. As of now, I have no notice from you all stating that the accounts are in investigation. The furnishers will not respond to my repeated attempts for validation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting Act. The List of accounts be low has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Collection Account : XXXX Account # XXXX XXXX USC 1681 Section 602 A : States I have a right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) 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 that records of convictions of crimes which antedate the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer. In accordance with the Fair Credit Reporting Act. The List of Accounts below has violated 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 card or prepaid card

excessive calls within a time period. continuing to call old numbers when repeatedly told that the person does not live there any longer. this is harassment! I receive upto 10-15 calls a day from the same number, and an old phone number I had received 3 calls in a 1 hour period from the same number after being told I don't live there any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I want Sallie Mae to stop calling family members, friends, ex husband and ex boyfriends ( people who dont have anything in relation to this loan and matter ) to put pressure on me start paying them. I am constantly calling Sallie Mae, last call I made was XX/XX/XXXX to find a way to have an agreement between us and make reasonable payments for my loans. I keep communication with them but they keep calling other people and its causing me huge problems with my husband and with them as well b cause they want to get these phone calls from Sallie Mae since they have nothing to do with me anymore. In XX/XX/XXXX I had a big argument with my case manager and warned her not to call other people who know me just to pressure and pay I told her I wasnt recording her and that whatever they are doing IS ILLEGAL and she apologized and told me they wont do that again, my husband and I got separated for that reason because a few of ex boyfriends and ex husband kept coaling me for that matter. Its getting out of hand. However, they did it again on XX/XX/XXXX. These people called me asking to tell XXXX XXXX not to call them. I dont know how to make them stop. I keep contact with them at least twice a month and they have evidence of that in their recordings. This is destroying my marriage and i urgently need help to make them stop calling people who are not in the loan and are not even related to me. Please help me. Because of this my husband, who wasnt gon na help me paying my student loan, while I Prepare for my boards to get into a XXXX ( XXXX XXXX ), do not want to help me. Please help me. Thank you! The file attached was sent to me my ex husband who is tired of getting this calls and causing trouble with his wife as well.
Product: Credit reporting or other personal consumer reports

Im in disbelief after finding wrong accounts on my credit report this morning. I routinely check it, but suddenly there were discrepancies. I refreshed the page, hoping it was just a mistake, but the issues remained. I need assurance that my submitted documents will be thoroughly reviewed so I dont have to worry about this again.
Product: Debt collection

Immediate credit recovery which is contracted through department of education is attempting to collect debts of the wrong amount. A garnishment was sent to my employer with a specified amount to be garnished. After reviewing the final payoff letter mailed it appears that Immediate credit recovery is reporting incorrectly the amount paid. I had a garnishment in the amount of XXXX sent to my employer. I have since paid XXXX. This would leave a balance of XXXX. Immediate credit recovery continue to report that a current owed amount as XXXX. The website XXXX shows a current total debt balance of XXXX. When speak with immediate credit recovery they stated that balance is not correct. At no point on garnishment paperwork did immediate credit recovery state the balance may change based on interest. No disclosures of interest or balance adjustments for collection fees, ect. This should all be detailed for the employers and for the employees whos wages are being garnished. I wish for an update for requirements of these agencies to disclose balance and debt amount changes due from collection fees and/or interest. Instead of falsely reporting a set amount and making it extremely difficult to find out the correct balance or access correct payment information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a negative item on my credit report regarding an account with XXXX XXXX XXXX / XXXX. Below are the details of the account : Creditor : XXXX XXXX XXXX / XXXX Account Numbers : Account XXXX : XXXX Account XXXX : XXXX Account Status : Closed Payment Status : Current Balance Owed : {$0.00} According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute any inaccurate, outdated, or unverifiable information on my credit report. Since this account is closed, has a {$0.00} balance, and is reported as current, it should not have any negative impact on my credit history. Any negative indication related to this account is unfair and misleading.

Under FCRA 1681i ( a ), the credit reporting agencies must conduct a reasonable investigation of disputed items. Additionally, if the information can not be verified or is found to be inaccurate, it must be removed or corrected. Since this negative item is inaccurate and unfairly affecting my credit score, I am requesting the immediate removal of this account from my credit report.

Please provide a written confirmation of your investigation and resolution of this dispute. If the item is not removed, I request a detailed explanation, including the method used to verify the account information.

I have attached a copy of my credit report with the disputed account highlighted for your reference. Please consider this letter as a formal complaint and act accordingly. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable 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 failing 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 dispute accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Student loan

I have two federal student loans, one with a balance of {$5500.00} for the XXXX school year and another with a balance of {$6500.00} for the XXXX school year. On XX/XX/XXXXXXXX XXXX XXXX, I submitted full payments for each loan to bring the balance to XXXX ( accounting for the interest accrued ). On XX/XX/XXXX, I saw that my {$5500.00} payment had been processed. To this day, however ( XX/XX/XXXX, a full week later ), my payment of {$6500.00} ( which I know has been taken from my account, I personally verified this with my bank ) still doesnt show up in the portal at all. I have spent the past week attempting to contact Edfinancial through email, chat, and phone, but every time I have either been ghosted or redirected or the contract outright fails to properly function. At this point I am seriously worried about trusting them with my own money ( money I desperately need to have paid off ) as during this whole delay, the loan continues to accrue interest.
Product: Credit card or prepaid card

I did not receive a bill the first two months I had this XXXX Store credit card issued by Synchrony Bank. Finally figured out I owed money, and they make it ridiculously difficult to pay and charged late fees right away. I think this card is just a scam to earn late fees. I finally now get emails that a bill is late ( never before that ... hmmm ) and the links in the email to go and pay the bill NEVER work. They literally are all broken links with no way to pay. In addition, I set up autopay. But each time it doesn't auto charge me, they say it will skip a month, and then they don't remind you and they want you to set up autopay AGAIN. And the cycle continues. I am not planning to use the card anymore despite the 5 % cashback offered on XXXX purchases. I would like to have all of my late fees refunded to me. Honestly, I have never had a credit card that the issuer makes so hard to pay. I got one email while travelling and did not have all the info I needed ... then it gets later ... it literally takes a few days to figure out how to log in and pay each month. Meanwhile, they rack up late fees. RUN AWAY!!!
Product: Credit reporting or other personal consumer reports

I have never seen a credit card or requested a credit card from XXXX XXXX XXXX. XX/XX/20 informed XXXX that this bill did not belong to me & that I had never seen a card or used XXXX. I filed a cardholder fraud dispute with them on XX/XX/20. I sent the requested dispute form, police report & ID. Also filled a dispute with AZ Attorney General regarding this error. At no time or occasion did I use a credit card with this credit union. I purchased a car through them & proceeded to pay them off. They had my info & signature for that transaction.
Product: Credit card

I had to do a debt collection with one card, my taxes were accessed and put in as well by an unknown source. Everything was high. Even when I would pay the interest. Capital one closed my credit account with high interest and all to a third party which is illegal