23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Chrysler/Cap Account Number : I reviewed my credit and noticed discrepancies in the information reported! This company is reporting information that is not consistent nor verified! I have requested validation on 2 separate occasions with no response! I am requesting written verification of the amount reported! How validated or verified this information? We hat information is present that I was ever attached to or made aware of This bent?
Product: Credit reporting or other personal consumer reports

I am in the status of trying to repair my credit and purchase a home and I saw that the company XXXX XXXX XXXX has reported a charged off status on my on TransUnion and XXXX credit report, but the company did not send me a copy of the 1099-c form. I have notified XXXX by writing several times for a copy of the 1099-c. As of today 's date I have not received a copy since 2018. Due to this being on my credit report the creditor is causing more financial hardship by violating the FCRA by not providing an option for me to dispute this creditor of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Vehicle loan or lease

In 2019 when XXXX hit I lost my job I was Not behind on any payments, and I voluntarily gave back the vehicle because of XXXX income. Now I made an offer to pay it off, which was only XXXX less than the amount I owed with the cash I had left in my savings. They denied it so I told him to take the vehicle back and took my cash in purchased a vehicle. I was not sure what was going on during the epidemic with returning back to work, so I was trying to do the responsible thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX, I am disputing the XXXX accounts by XXXX on my account- to have these removed. 

XXXX - {$65.00} XXXX- {$170.00} XXXX- {$27.00} XXXX- {$0.00} Please have these removed as soon as possible. 

Attached to this complaint are : My drivers license My social security card My complaint letter Emails from XXXX to confirm they agree to remove
Product: Credit card or prepaid card

To my knowledge, I was never late on my Capital One/Cabela 's credit card with account number XXXX. But I realized that I was reported as being 30 days past due twice on XX/XX/XXXX and XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount. I just made two paymetns of {$300.00} this month to pay the card off sooner. How can it show that I am {$75.00} past due?
Product: Debt collection

The company XXXX XXXX XXXX is saying I own them {$3100.00} from an account they have from XXXX XXXX credit card from XX/XX/2001 and is currently now taking {$300.00} out of pay check. I've called the company multiple times letting them know they are wrongfully taking money out of my paycheck, and that they have the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$1100.00}, {$19000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- PERSONAL LOAN 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In direct violation of FCRA 15 USC 1601 ( p ) this company has no authorized use for my information. They have no authority to use my information in a way that damages my reputation. They are liable for damages this action has caused me. Ive suffered great loss due to the misuse of my private property. They have failed to produce a contract that grants them rights to misrepresent me. 

I asked that they remove their slanderous statements from the public. They have failed to do so. Theyve also threatened to take legal action against for making this report
Product: Checking or savings account

My Check was deposited in my account on XX/XX/XXXX and it's been XXXX and nothing with Capital One Bank
Product: Credit card or prepaid card

AMEX XXXX AMEX is so bad they will take money for XXXX to pay off organized crime. 

Then they will trash your credit and probably try to sue you. 

I've been forced now to pay them XXXX for my own XXXX.
Product: Credit card or prepaid card

This Elan Financial Services CREDIT CARD, TradeLine limit {$1500.00}. XXXX collaboration with this TradeLine is still showing Open with a balance showing {$8.00}, this Closed account is still showing Open by XXXX, Elan Financial Credit Services has confirmed that they dont want to play, they understand my Authority. See I sent them a copy of my ClassAction participation against U. S. Bank v Accountholders. Those boys that Law firm out of Texas are getting ready you take that money from U S Bank, I love it! XXXX take your XXXX XXXX XXXX off that little TradeLine, youre Not Stopping me, Ive got a Plan in place and you, XXXX makes me a Millionaire! Oops side Note I see you XXXX, you got themthere addresses correct didnt you, As for Real Estate section of my Credit Report, XXXX, I make them sing, Ive got the ball in my court, every month that you XXXX Not put that XXXX TradeLine back on my Credit Report, I will continue to make copies of these XXXX XXXX XXXX acts, and guess who will be the Star Witnesses, the Consumer Financial Protection Bureau and the Federal Trade Commissions lawyers, theres Nobody Stopping me, stay tune, Im Good at What I DO!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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.
Product: Credit reporting or other personal consumer reports

In years past I had a security freeze on my XXXX XXXX credit report that I didn't initiate and it took many attempts before removing the notice or freeze
Product: Checking or savings account

Received the paycheck protection plan loan ( ppp ) and Capitol on has had a gold on my account for over 4 months. Even after I have filed multiple accounts and have contacted them multiple time. And only information they give me is that they are preforming and Investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) EXPERIAN BUREAU is required to remove any items which were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted Coast Professional ( as indicated on my Student Loan Account ) in attempts to start repayment on my student loans. Of course I had so many questions and it seems the rep was frustrated. They wanted me to send them a photo of a note pad, that I'd taken with my phone, authorizing them to charge my account every month but when I included the dollar amount, they wanted me to delete that " detail ''. They'd asked me to send it stating that they could just withdraw the money each month. So basically I am writing a letter, telling them they can post date a payment ( with no set dollar amount ) AND they wouldn't send me anything in writing. 

I have read the reviews online and they aren't good. When I told him I wasn't sending him letter indicating that they could charge my account nor giving them my bank info the phone magically hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my second complaint against Comenity capital bank. 
I have been disputing an account with them for years now. 
Comenity capital bank refuses to provide any validation, statements, and/or contract that I have requested several times from them on an account they are negatively reporting on my credit report I have now found an old letter dated XXXX/XXXX/2028 from Comenity capital bank and in the letter it states Comenity capital bank does NOT have detailed transaction information in retail stores or their merchandise. ( See attached letter provided ) If they Comenity capital bank continues to REFUSE my request of validation of this account, and continues to impact my credit, I will take immediate legal action to the fullest extent of the law against them.
Product: Credit card

On XX/XX/2022, I signed up for a free 7-day period trial offer from the online streaming merchant XXXX. This free trial was cancelled before the 7-day period, it was cancelled on XX/XX/2022. I received both a welcome email and an email stating that my free trial had been cancelled ( by me ) before charges incurred ( this is noted on XXXX 's system that they did in fact received the cancellation and it is noted in the attached email and a customer representative confirmed this information ). Nine ( 9 ) months later I am being charged for transactions/services, for a total of {$480.00}, that I never authorized. I contacted my banking institution, American Express, before contacting XXXX regarding the fraudulent transactions to report them as fraud. American Express at first were able to remove the transactions as they said this was an open and pending investigation and said they were going to be removed while the investigation was completed. A month later the charges reappeared on my statement, and when I contacted American Express about it, they said that the charges were valid and not fraudulent as the merchant, XXXX provided documentation stating that they were done by me. 

I proceeded to contact XXXX regarding these transactions to try to understand why I am being charged for something that I never signed up for. In speaking with them, XXXX informed me that they could not do anything regarding the refunds, because this was now with my banking institution [ American Express ], and they could not help me. 

I asked XXXX for proof of the sign-up, such as welcome emails, IP addresses, time stamps and other substantial information of where the services originated and anything else they may have, but they said they can not and will not provide any additional information since they have provided all proofs and documents to my banking institution [ American Express ] , but not to me. 

In many occasions I have contacted American Express requesting these documents but they refuse to provide them, since they have claimed that the documents are private and can not be provided to me, even though according to both the merchant and American Express I made the transactions. 

My feeling is that they are hiding information and they are manipulating User 's information in order to generate revenue. Unfortunately, my banking institution is siding with XXXX even though the information has not been provided to me. I am seeking a reimbursement in the total of {$480.00}. 

I have reported XXXX to the XXXX, the Federal Trade Commission and my State Attorney General regarding these fraudulent transactions since American Express does not want to help me. If you notice on the XXXX website, XXXX has a pattern, history and precedent of doing this type of activity and washing their hands by saying you never cancelled, and you re-initiated these services. I also want American Express to do a proper investigation where they collect information from both sides not just from the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax 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 Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPARTMENT OF EDUXXXXBalance $ XXXXDate Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX XXXXDate Opened XXXX XX/XX/XXXX XXXX XXXX-Balance $ XXXXDate Opened : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems is reporting outdated debts as current, manipulating dates to suggest newness. This practice is illegal under FCRA amendments, prohibiting the refresh of old debt timelines. Immediate correction and compliance are demanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed three inaccurate 30 day late payments on my credit report directly to Experian. I submitted all documentation by certified mail on  XXXX   XXXX ,   XXXX   to Experian including : record of my payment due date (  XXXX  each month {$840.00} ) along with printouts of my Bank Statements, verifying the date the funds were withdrawn from my account for payment of my vehicle loan to  XXXX   XXXX . I noted the inconsistencies between the  XXXX  reporting bureaus of this account. I noted inconsistent accounting of the actual payment amounts listed on the account that were displayed in my credit report. I asked for the amounts paid and dates they were paid to be updated on my report. I explained that the credit union my loan was with got bought and the new credit union was not applying my payments correctly. I requested they look at my account of the prior loan company it was with :  XXXX   XXXX   XXXX  and take notice I never had a late payment before the buyout. No follow up to my request by experian giving a response. The file should be updated noting no late payment and all payments made accordingly to on time status.
Product: Student loan

From XX/XX/XXXX-XX/XX/XXXXI contacted Navient to inform them that the monthly payment was entirely to high for me to pay, each year they suggested that I apply for forbearance. After I exhausted the forberance, they told me to consolidate my loan in order to apply for forberance again. Now my student loans are enormously higher and I still ca n't pay anything but the interest so now I 'll be paying this loan for the next 50 years.
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
Per 15 U.S.C. 6802 and CFR 313-Privacy of Consumer Financial Information .

I have not gotten a response from this company and they continue to report my personal information to third parties.
Product: Mortgage

My mortgage loan was sold to a new company last month. The new company has changed my mortgage loan pymt amount. My loan was a fixed rate loan, no escrows etc. I've provided them my loan docs and receipts for payment of insurance and taxes on 3 separate occasions. I've been unable to make my mortgage payment as it is significantly higher than it should be. If you try to call their XXXX its fake, you can not reach a live person and it sends you back to the main queue. I've communicated with the company via email messages and I do not think its a live person as I continue to receive responses that do not apply to my issue. I've never had a late payment and now my payment which was due on XXXX is 17 days late. They will not allow me to make my correct ( per loan docs ) payment. I also called the previous mortgage company and they will not help me and says the issue is with the new company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed on my credit report was inaccurate when I reviewed it. The 3 credit bureaus must validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$55000.00}, XXXX  XXXX Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account named XXXX XXXX  with an account number # XXXX Opened on XX/XX/2021 has inaccurate late payments reported from my credit report. This account was paid as agreed on time and violated 15 USC 1666B for reporting misleading and inaccurate late payments from my credit report.
Product: Debt collection

I am in no way trying to get out of paying a bill. However ; being harrassed and belittled by a company is not ok. Multiple calls to family every day. I am trying to be pro-active, but XXXX XXXX and XXXX will not provide information until a threat to report them gets the job done. 

Most recent- XXXX Received a text to call- I called company and informed the agent on a recorded line that i have been requesting the statement on my account. I am not willing to pay when i have no idea how much i even owe at this time. I finally received a letter. Not even 3 hours after I finally receive the letter i received another 2 calls. 
XXXX calls came in at XXXX and XXXX Voicemails : ALL SAVED ON MY PHONE XXXX XXXX XXXX left voicemail XXXX XXXX ) XXXX XXXX XXXX left voicemail ( XXXX XXXX XXXX XXXX left voicemail ( XXXX ) XXXX XXXX XXXX voicemail ( XXXX ) XXXX XXXX left voicemail XXXX XXXX ) XXXX XXXX left voicemail ( XXXX ) XXXX XXXX left voicemail ( XXXX ) XXXX XXXX XXXX left voicemail ( XXXX ) How do they expect us to stop everything. I received the letter after many attempts on XX/XX/2022 at XXXX. Received 2 more calls after advising send me the letter so i can make a payment. 

XXXX When does calling become harassment? 5 voicemails on Monday. I spoke to you today and yet another 3 calls since have come in? 
XXXX XXXX We aren't harassing you. Calling is part of our job. 

I have several email requests asking for my statement so that i can make a payment. Their site does not allow us to view what we are paying, what is owed or anything else. 

I have all the emails saved and phone voicemails saved. This is all just from the XXXX of XXXX. I believe that only one voicemail a day was allowed to be left.
Product: Debt collection

On XXXX a XXXX XXXX XXXX account in my name that was paid through Diversified Adjustment Service INC. Account was settled with documentation from XXXX XXXX VP of Operations and stated that the account would be dropped from all National Credit Bureaus. 

Account was then sent to XXXX XXXX. XXXX XXXX XXXX, Fl XXXX where I furthered paid dating on XXXX an agreed upon resolution of {$350.00}. Then in XX/XX/ hd seen XXXX show up on my credit reports. I resolved it another time through them. Not recalling the previous payments through Diversified and skeptical of weather I had paid it through XXXX previous. I set up another payment arrangement of {$220.00}, I paid the amount in two payments. Last payment being on XX/XX/. I have not received validation from XXXX other than seeing the payments drafted from my personal checking account. 

XXXX Called XXXX several times starting at XXXX XXXX aprox EST. Spoke to representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX. Each representative gave me an email address to send the documentation of the account being paid previous to XXXX and through XXXX along with the amounts paid to XXXX to close and handle the account. An account that was previously paid for. All email addresses came back as invalid addresses through my gmail account. Documentation was noted and pictures of the returned emails have been logged. I was lastly told via XXXX XXXX that there would be no refund issued as I explained that this account was paid in full through Diversified XXXX XXXX XXXX. I was then dispatched to another tier management, where a message was left. Messges have been left previously with no return consultation. 
The referenced account through XXXX is XXXX Diversified Adjustment Services INc XXXX XXXX