23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Called by multiple numbers from multiple states. They called my wife and family members and provides my ssn on their voicemails. Threatened to sue me, seize my property, and freeze my accounts when I contacted them and told me they didnt care who I had talked to a week prior. Refused to provide any type of written documentation. Threatened to come to my home and job to deliver court documents that are not registered with ujs. Account is no longer on my credit report. Phone number where I reached someone was XXXX. When I refused to give a date and time I would be home he told me he didnt care if I missed my court date and hung up on me.
Product: Debt collection

I HAVE REACHED OUT TO XXXX XXXX THE ORIGINAL DEBT COLLECTOR WITH PROOF THAT I DO NOT OWE THIS BILL NOR WAS THE SERVICE LISTED/BILLED IN ADVANCE ALL RECEIVED COMPLETE. I AM OWED A CREDIT FROM XXXX XXXX BECAUSE THE SERVICES QUOTED ON TREATMENT WERE PRE-PAID ALTHOUGH I NEVER COMPELTED THE TREATMENT PLAN. I WAS PROMISED A CALL BACK NUJMEROUS TIMES AND IT DID NOT HAPPEN. WHEN GOING TO APPOINTMENT I TRIED TO GET INTO THE BILLING OFFICE TO SPEAK ABOUT THE DEDT AND I WAS ALWAYS TOLD THEY DID NOT HAVE TIME TO REVIEW MY ACCOUNT. I DID NOT RECEIVE A COLLECTIONS NOTICE FROM THE COLLECTION COMPANY. MY CRFEDIT SCORES WERE ALL AFFECTED AND XXXX IS THE WORS AT RESOLVING ANY CREDIT DISPUTE ISSUES. MY SCORE IS ALMOST 700 AT XXXX XXXX AND XXXX WITH BILL PAYMENTS AND DISPUTE AND YET XXXX IS SILL AT XXXX REJECTED EVERY SINGLE DISPUTE THAT WAS APPROVED AND PROVED BY THE REMAINING TWO CREDIT BUREAUS. THERE IS NO WAY A PERSON CAN CORRECT CREDIT WITH THIS COMPANY XXXX. AND THIS DEDT IS NOT OWED AND A CREDIT IS DUE ON MY ASPEN ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the inaccuracies and erroneous information being reported on my Credit File for a long time. However, the Credit Bureaus have been ignoring my requests and demand despite the letters and documents that I have been submitting to them. My dispute letters with complete attachments of my personal information and the Identity Theft Report I received from the FTC have been blatantly ignored by the Credit Bureaus. They continue to report the disputed accounts on my Credit File without properly providing any supporting documents to back up their claims that the information they report are accurate an up to date. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is the Credit Bureaus ' legal obligation to ensure that any unauthorized and unfamiliar accounts and information are promptly removed from a consumer 's credit file. Because of the Credit Bureaus ' negligence and indifference, I am worried of my Credit Worthiness. I am submitting this CFPB complaint in accordance with the Fair Credit Reporting act section 611, which allows me to dispute my own Credit File, and demand the Credit Bureaus to correct my Credit File from any inaccurate, erroneous, and fraudulent accounts and information by removing the following items : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Most of these accounts were already removed from other Credit Bureaus and it makes me wonder if the 3 major Credit Reporting agencies have been doing the exact same course of action, why does these accounts still remain only on their Credit bureau? I need the disputed accounts removed completely from my Credit File.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM. XXXX Wednesday, XX/XX/XXXX Via CFPB and certified mail to address below Narionstar, aka Mr.Cooper Debt collector Notice Of Error/Request For Information, Including notices of error, complaints, requests for information, or other qualified written requests Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account number for debt XXXX Dear Mr Cooper and XXXX XXXX ( debt collector attorney ), My name is XXXX XXXX XXXX and I am responding to your contact about collecting a debt. You contacted me by email on and unidentified the debt as belonging to a third party and that is 100 payments ( 8 years ) behind as the date of dischargeor that there is a second loan dated XXXX. 
I do not have any responsibility for the debt youre trying to collect. I owned the property in XXXX and the current owner is XXXX XXXX, a XXXX XXXX. She did not authorize or sought a second mortgage or line of credit loan in XXXX from Mr Cooper on the property she owns since XXXX. Any loans should check title. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all intimidation efforts to obligate me on debts of a third party, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or sell it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Any attempts to collect from my social security funds, XXXX funds or real estate property on an uncollectible stale or wrongful debt would be against FDCPA. 
Stop all communication of your client and/or you with my employers, family members for collection of this debt. Any damages suffered to my job are a direct effect of your collection efforts against FDCPA. 
Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a XXXX XXXX XXXX credit card ( which is run by Synchrony Bank ) and  made a purchase of {$4700.00}. There was a promotion to earn 20 % back in " reward points. '' When I received my statement, they had only given me 10 % in rewards. I called and they acknowledged the problem but said it would take 1-2 billing cycles to resolve. When I received the next bill, I had been issued a " rewards certificate '' for the remaining number of points that were owed to me. However, when I went to use the certificate at XXXX XXXX XXXX, the certificate number did not work. When I called Synchrony Bank, they didn't know why it wasn't working and said it would, again, take 1-2 billing cycles to resolve. When I complained that I had already waited an additional billing cycle to get points that were owed to me, they said that there was nothing they could do. When I asked how they would be fixing this problem, they said they didn't know. 

This bank clearly has an issue with their rewards points system- it should not be that hard to get things right.
Product: Checking or savings account

I was over charged on my account around 2011 and just received and email to refile claim because money is owed
Product: Credit reporting, credit repair services, or other personal consumer reports

I had put a freeze on my Equifax credit report due to fraud I was given a pin to access my credit report or to temporarily lift the freeze I am not able to log in so I called the Equifax customer services to talk to someone who prior had ask me to send a copy of my ID and proof of address which I had done 3 times since all 3 times they claimed was never received. I even offered to give them my pin for my report but they would not accept a pin they gave me. To make a long story short Equifax is denying me of my credit report o line and a right to lift the freeze off my account.
Product: Student loan

I received a letter from XXXX XXXX which was an offer to settle my student debt. When I called the given number on the letter they proceeded to transfer my call and then giving me another phone number to call to settle my debt. I do have the letter they mailed to me and my page of notes, numbers and doodles, while trying to settle a debt in good faith. They cashed my check and then sent me a new notice with the balance being what they supposedly had written off to settle. Now they are harassing me again. At the same time as this I paid off my other student loan account as well as numerous other credit cards and doctor bills. I did this in good faith with the people my husband and I owed. I sold off heirlooms and sentimental objects to do this because I was facing XXXX and did not need or want the XXXX of what I owed hanging over me. Please make them stop. XXXX XXXX/Navient/XXXX XXXX and now /something totally new. I did what I could and I have nothing left. They offered a settlement, I took it, now they want more. Help me please. I have had my XXXX and they are bombarding me with this.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Debt collection

Company calling itself AFNI, Inc. sent me a collection notice purporting to represent XXXX. Alleged a balance due of {$1900.00}. My account with XXXX was closed in XXXX or XXXX of 2015 and paid in full. 
Company name and address : Afni, Inc. XXXX XXXX XXXX, XXXX IL XXXX Company phone : XXXX Company website : www.afnicollections.com Their letter to me included several account numbers which I will gladly provide on request.
Product: Credit reporting or other personal consumer reports

The credit monitoring agency TRANSUNION, violated my rights, in accordance with USC 1681 ( a ) ( b ), providing inaccurate information to XXXX XXXX, which caused my request for a credit account with XXXX XXXX, to be denied. In addition, also caused my credit line with XXXXXXXX XXXX XXXX, to be reduced from XXXX dollars down to XXXX.
Product: Debt collection

I received a voicemail saying that I am a person of interest in a legal matter and need to contact them back within 24 hours so that no charges are filed against me. I called and asked what it was regarding and he said it was a payday loan that was issued by XXXX XXXX XXXX in XXXX 2011. But I did not receive a payday loan at this time. He continued that I needed to resolve it or they would forcibly recover damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by XXXX XXXX. 
Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report. 
Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Credit card

I ask for a payment due date change XXXX XXXX XXXX I requested for it to be changed to the XXXX XXXX every month. Capital one stated it would take one billing cycle. I contacted them today and they stated they could not change the due date. That is unacceptable, when the system approved it online. I am getting paid once a month and it must be changed. I can not have any bad credit such as late payment on my credit. They must honor my request respectfully. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

After thoroughly looking over a copy of my credit report by Equifax. I noticed that there was a few inaccurate addresses that they are reporting on my credit report. I faxed and mailed to them a letter with my concern with the inaccurate addresses and instead of them removing them they send me a letter stating i needed to provide proof of my identity in which I did that as well and then they send me the next letter stating they were unable to read what I send them. This is causing severe damage to my credit report by them not reporting accurate updated information on my credit report. In this complaint I am attaching another copy of my letter with the inaccurate addresses that needs to be removed which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX
Product: Checking or savings account

I applied for an advanced checking account at HSBC US for  {$350.00} bonus on XX/XX/2019. After approval, they told me by email to set up a device for more security. I did that on my old phone. I bought a new phone on XX/XX/XXXX and tried to migrate from the old phone, but there is something wrong with the bank 's app ( I need to enter some number from the old device to the new device, but after I did that the app on the new device had no response ). I tried several times and on XX/XX/XXXX they told me to call them since they thought there was fraudulent behavior on my account. I did that, and they told me my phone number is not on their file so they can't identify my identity through text so I need to go to an HSBC branch ( asked them several times if there is any other approaches but none ). They sent me about 10 security codes while I was applying for the card, so I don't really know what they mean by my phone number is not on file. I live in XXXX and the closest HSBC bank is in Washington. I really regret my decision for opening an account at HSBXXXX for the {$350.00} ( I wired {$10000.00} to the banking account for the bonus ) and hope that they can give me the access of the account back.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CAPITAL ONE - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card or prepaid card

Bank of America sent me notification that they have " Unfortunately '' decided to close my Visa account. This account was opened in XXXX of 1999 and had a XXXX balance and was NEVER late.
Product: Checking or savings account

I took out a personal loan for {$21000.00} on XX/XX/XXXX. At that time the bank put a hold on my savings account for {$21000.00}. I paid the loan in full on XX/XX/XXXX ( more than a year early ), but the bank has not released the {$21000.00} hold on my savings account. In other words, my savings " Available Balance '' is exactly {$21000.00} less than my " Balance ''. The bank is blocking my access to my funds. 

I know the bank 's records reflect my loan is paid in full- I received a XX/XX/XXXX statement stating the loan was paid in full, as well as a XX/XX/XXXX check for {$1.00} which was the amount of overpayment. However, they failed to remove the {$21000.00} hold on my savings account. 

Over the past month, I have called their customer service number twice ; the first time I was told I just needed to wait XXXX days and the hold would be released. The second time I was told I needed to physically go to a branch to get this resolved. On XX/XX/XXXX I went to a branch near my house and spoke with a representative. He told me he would submit some type of form that would resolve the issue and that he would call me later in the day to confirm it was all set. He never did call me that day. I waited close to a week and then on XX/XX/XXXX, called that branch and spoke with the same rep. He told me he had submitted the form and that it could take up to 10 days to process, and advised me to wait a few more days and it should be all set. As of today, this issue is still not resolved after 4 attempts.
Product: Debt collection

Fraudulent, never served, default judgment for a dept that is not mine. calls me at work repeatedly, never mailed a notice of Judgment, then leined my property. Levied my Bank, I don't know this person, never owed this person. garnish my wages by provideing false information to the court. 

doubled in amount with interest that I never owed in the first place.
Product: Credit reporting or other personal consumer reports

I have to refile this complaint to EXPERIAN because they are not taking actions even how hard I tried to communicate with them about the unauthorized inquiries and fraudulent accounts on my credit document that are genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft also this complaint includes unverified and incorrect information the accounts. My address is XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, and I go by XXXX XXXX XXXX XXXX My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint XXXX. As a consumer, I have the right for request or potentially constrain you to eliminate them when conceivable inside my government and state consumer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed multiple inquiries with Transunion regarding   XXXX   XXXX   from  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  as well as   XXXX   XXXX   XXXX  from  XXXX   XXXX ,  XXXX . Each time I 've disputed with Transunion, the response came back the same saying that they were in fact authorized inquiries. When I requested proof from the companies myself, I received letters verifying that the dates for the inquiries in question they have on file were from  XXXX  and  XXXX . When trying to reach out to  XXXX   XXXX  via letter, I received the letter back as undeliverable. How can one verify authentication by their only means of communication presented ( mail  )  to not be a valid address???     The system they are using is providing false information and they are not actually doing their due diligence and protecting consumers.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, the accounts listed underXXXX XXXX XXXX XXXX XXXX XXXXXXXX - This was Paid as agreed and should not be showing any derogatory information on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a camper and US BANK assumed the loan. I set up auto draft so I wouldnt have to worry about the payment. The address I used when I purchased the camper is not the same address where I am currently living. The problem is, funds didnt transfer in time and the auto payment didnt go through. At no time was I called to fix the issue. What they were doing was sending mail and notices to the wrong address. After I discovered my payment was late I IMMEDIATELY caught the late payment up As well as pay it current and correct the issue for the current address. They have XXXX modes to contact someone and if they are going to ruin someones credit they should at least try a phone number. Furthermore my credit dropped XXXX XXXX and Ruined my name. They used improper information and the years of being responsible to maintain top tier credit shouldnt be ruined by their mistake or 1 late payment.
Product: Credit card

I requested validation of this debt, and no proof has been provided within the required timeframe under FDCPA Section 809 ( b ). I dispute its validity and request its removal.
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 unde

r 15 USC 1681. 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: Debt collection

Received calls from XXXX manager XXXX. for a debt collection from 2014. After many calls back and forth I noticed they already knew my name without asking for it first, the account number provided was nowhere to be found with my hospitals, doctors etc and phone number provided was incorrect. Very clever group of people, PLEASE be aware if you receive any calls from this number!!!! Asked for their license, and they do n't provided me with that information.