23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt; * ( 2 ) the name of the creditor to whom the debt is owed ; * ( 3 ) Provide a verification or copy of any judgement ( if applicable ) : * ( 4 ) Proof that you are licensed to collect debts in Dallas, Tx Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company.

I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX. I saw I has some hard inquires that did not have permissible purpose. I also attached evidence. 

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 XXXXXX/XX/XXXX. These inquiries has no permissible purpose to be on my report. Delete this inquire due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit with capital one and they have placed a hard inquiry on my report with out authorization. IT NEEDS TO BE REMOVED.!!!! 



Inquiry : XX/XX/2019 ( XXXX ) XXXX XXXX an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS REPORTING 16 INCORRECT INQUIRIES ( XXXX SCREEN SHOT 1 ) AND EQUIFAX  IS REPORTING 9 INCORRECT INQUIRIES ( XXXX SS 2 ). NEITHER COMPANY IS POSTING CONTACT INFORMATION REGARDING THE MISINFORMING AGENCIES AND I AM SUFFERING DAMAGE BECAUSE OF THIS MISINFORMATION.
Product: Checking or savings account

On XX/XX/2020, I deposited my paycheck into my personal checking account with SunTrust Bank XXXX XXXX XXXX in XXXX, XXXX On the same, my check cleared my firm 's operating account upon which my paycheck had been written. On the same day, SunTrust put a hold on that deposit and withdrew the money out my checking account. I have been informed that SunTrust is holding my funds for eight ( 8 ) days while SunTrust has the money. I have not been provided with an explanation as to this action.
Product: Mortgage

I was on a 3 month unemployment forbearance beginning XX/XX/XXXX. In XX/XX/XXXX I brought my loan current but remained unemployed. In XX/XX/XXXX I requested another unemployment forbearance which was approved thru XX/XX/XXXX. I spoke with the lender ( planet home lending ) in XX/XX/XXXX regarding workout options once the forbearance was up. planet advised that they have workout options available and advised for me to submit a request for mortgage assistance application. I submitted a request for mortgage assistance application on XX/XX/XXXX, However planet did not review my request for mortgage assistance application and sent my loan to foreclosure without reviewing my application.
Product: Student loan

Because of the pandemic I have been unemployed for an extended period of time and the company A.E.S. does not follow the President and Congress ' guidelines for a moratorium on payments and interest. The current moratorium is until XX/XX/2022. The continue to list my account as past due for more than 30 days as this is XX/XX/XXXX and before the President extended payments due was to start on XX/XX/XXXX. None of this makes any sense. They do not respond and if they do it is an unpleasant experience. I have just recently been a victim of identity theft and am working hard to straighten out my credit reports. This loan company has added almost {$100000.00} to the principle of my loans and I am XXXX years old about to retire, there is no way I will ever be able to pay this off. This report makes it impossible for me to get a credit card or to buy anything. If they would just follow the government 's guidelines it would be so much easier. There is almost nothing about their report that is accurate. The State of Louisiana has ended the Pandemic Unemployment benefits early thus making it impossible for thousands of people to pay their bills.
Product: Credit reporting or other personal consumer reports

I have disputed the same four accounts with XXXX, XXXX and Transunion for at the very least 6 months. XXXX and XXXX both have deleted the accounts listing me as a victim of fraud. Transunion has deleted only one account ( XXXX XXXX ) but continues to report the other XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as being verified. Each time transunion responds at almost the 30 day mark. I have requested the method of verification and I have yet to receive anything disclosing this process that keeps returning 3 of the 4 items as being verified. I find it hard to believe that Transunion is actually investigating my disputes especially when the other 2 agencies have resolved the matter. My information has been leaked in almost all of the date breaches that these agencies have had yet Transunion is the only one that is determined to keep false information on my report. I understand its a business but I do have rights that are supposedly protected by the FCRA and other codes and they are all being violated by Transunion.
Product: Debt collection

I am getting daily calls from Northstar Location Services regarding a debt. The calls ask me to call XXXX. When I call this number and give them the phone number that they are calling, they claim to not have any records of ever calling me, yet I keep getting daily phone calls from them. 

The caller ID on the recorded calls shows the calls coming from XXXX.
Product: Debt collection

Before all of this, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. I am filing to formally dispute the information contained in my credit report, specifically regarding the accounts below. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of these accounts being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. Please remove the negative status and late dates of these 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, and XXXX XXXX XXXX XXXX.
Product: Debt collection

Trying to resolve debit. Do to separation. Citi bank just called again at XXXXXXXX XXXX  this is not expecteable. This is harassment.
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 XXXX  Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number 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 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 card or prepaid card

The interest rate is computing at 22 % I believe the logarithm is calculating incorrectly. I keep challenging the way the calculate is being assessed mind you there is no Cash Advance balance. I believe that I am being subjected to the Usury Act practices. No one will manually calculate the interest and the balance continuous to be maxed out or over the limit even when paying more than the minimum balance. 

They increase the line by XXXX and within a few months with very limited charges the balance has max by credit line to over the limit.
Product: Debt collection

Credit Control , LLC has been attempting to collect on an alleged debt that has already been paid for due to a consumer credit transaction that took place with XXXX XXXX XXXX XXXX XXXXXXXX. I am a Federally Protected Consumer and Credit Control has violated me in many ways. Credit Control , LLC is a third party debt collector. I never gave Credit Control , LLC written or oral permission to have my information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). Credit Control , LLC has furnished information on my consumer report without my knowledge and permission pursuant 15 USC 1692c ( a ). Credit Control , LLC can not state that such consumer owes a debt 15 USC 1692b ( 2 ). I mailed Credit Control , LLC a debt validation along with a cease and desist. I received no response in over a month. After I sent another company who they are affiliated with they then send me a statement on this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to all three credit bureaus since XX/XX/XXXX. For my student loans my statue of limitation date are different on all three credit bureaus. Date of last activity, date opened are different across all three credit bureaus is a FCRA violation. Due to multiple FCRA violations, please delete! The statute of limitation is different from all three credit bureaus, Equifax is showing that the last payment was XX/XX/XXXX, but XXXX and XXXX show last payment was XX/XX/XXXX, that doesnt make sense. The late payment history is not correct, according to the two-year payment history XXXX and XXXX shows that I was 30 days late in XX/XX/XXXX, but Equifax shows I was 30 days late in XXXX of XXXX. It also shows that I was 60 days late for the month of XX/XX/XXXX on XXXX and XXXX, but Equifax shows I was 60 days late XX/XX/XXXX. This is incorrect and my payments should be updated to current since the information is in violation of the FCRA. I even sent them copies of my credit report to show proof and all they say is its validated but it is incorrect information reporting.
Product: Credit reporting or other personal consumer reports

XXXX  - Failure to conduct reasonable investigations on disputes filed with XXXX XXXX and American Express reported on credit file. Investigations return no explanation of information other than stating verified accuracy. Failed to give information on investigation process and updated within 2-4 days only.
Product: Credit card

On XX/XX/2023, I called the Citi ThankYou Service Center number at XXXX. I inquired about the ThankYou points, over {$1000.00} worth, that I accumulated were missing from my account. 

I was informed that the points had expired because the credit card from which I earned them was closed, and 60 days had passed. I expressed my lack of awareness regarding this policy and inquired if there was any way to restore the points ; the customer support agent told me that nothing could be done. I asked the support representative to escalate to see if they could look into the issue further and I was informed that I would hear back in about a week. I never heard back. 

I called the Citi ThankYou Service Center number again on XX/XX/2023, asking for an update on my case. I was informed that a case was never submitted and the issue was not looked at any further. I asked the support representative to submit a case again on the issue ; this time they claimed that they could not do so. 

Since they had initially agreed to submit a case in XXXX but failed to follow through, I asked them to file a complaint regarding the lack of follow-through. I requested them to provide a follow-up on the complaint, which I was told that I would hear back within one to two days. Once again, no one contacted me. 

Additionally, I would like to point out that the information provided about the XXXX point removal policy after account closure is inaccurate according to Citi 's own website. The Points Expiration section under the Loss of Suspension of Points on their website indicates a XXXX period. 

XXXX XXXX XXXX XXXX XXXX XXXX  " You Close Your Citi Account or Convert Your Citi Account to an account that does not participate in the ThankYou Program. If You voluntarily close your Citi Account enrolled in the Program, or convert your Citi Account to an account that does not participate in the Program, You must use the Points within ninety ( XXXX ) days after closing or converting your account, or, if required by law, from notification of account closure or conversion, or You will lose the points that you earned with the closed or converted Card Account. ''
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Mortgage

I recently received an Annual Escrow Analysis with a new payment date effective XXXX, XXXX. I am suspicious of the timing of this escrow analysis since it coincides with the filing of my CFPB complaint. My last Escrow Analysis was supposed to cover XX/XX/XXXX to XX/XX/XXXX. This new escrow payment begins in XXXX, XXXX and includes PMI payments which should end with my XXXX, XXXX payment. I have been making an additional principal payment of {$1500.00} since XXXX, XXXX. I have written to the company objecting to this new Escrow analysis and fear they will ignore my objection as they ignored my request for cancellation of the PMI.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

I received a collection notice on a forgotten trash removal bill in the amount of XXXX in XX/XX/XXXX. I paid this bill by money order sent XX/XX/XXXX. I continued to receive collection notices so called to check receipt of payment. Receipt of payment was confirmed but I am continuing to receive collection notices with threats of reporting to credit bureaus. I have the money order receipt and have checked the status which states it has been cashed by the recipient. They are now adding interest on this debt. They have been informed that I am in a XXXX XXXX XXXX and this activity is illegal but they continue.
Product: Student loan

My Perkins Loan, which I took out as a student at XXXX University in 2010 was wrongfully submitted to a debt collection agency. All of my loans are consolidated and I make monthly payments to it through XXXX XXXX. For some reason, this was not included in that. However, XXXX never reached out to me to make a payment to this loan and marked it as delinquent and submitted it to a debt collection agency. When I was contacted by this agency, they had added quite a bit of fees to it. In addition, it harmed my credit score. I tried to reach out to XXXX to resolve this issue and after bouncing from several different places ( I was always forwarded to a different contact that could " potentially '' help me with the issue ) I was told that the only way this could be resolved was if XXXX withdrew the submission from the debt collection agency. Since that point ( about 3 weeks ago ) I have been trying to reach someone at XXXX to resolve this issue so I can pay the loan in full and work on fixing my credit. However, they keep telling me someone will reach out to me with an answer and I never receive an answer from them. I have tried to reach everyone I can at XXXX and at this point, I am simply trying to figure out how I can have XXXX help me in resolving this.
Product: Debt collection

I had a truck loan that i never missed a payment on. I paid it every month from XX/XX/XXXX- XX/XX/XXXX. It was paid in full and i had even put on new rims and other accessories. The company in question came and took the vehicle and said that i hadn't made payments. I had paid it from different accounts each month and i no longer have the record of it because it was so long ago but it was paid in full. Now i see that it is on my credit as a charge off for XXXX dollars no less. I have tried to get this fixed with the company in question but had no success. At the time we got tired of fighting it with them and didn't know what to do so we accepted that we just lost a vehicle but now that we see they are showing we still owe XXXX it has gone to far and we don't know where to turn short of getting a lawyer. This has been extremely stressful. We owe nothing at the very least. Please help.
Product: Money transfer, virtual currency, or money service

My account is n't updated with my   XXXX   XXXX   account in a timely manner.
Product: Debt collection

date of service XX/XX/2017 ... $ XXXX..I received a collection letter from a collection agency and I do not owe this debt from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation