23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XX/XX/24 XXXX XXXX XXXX XXXX Ive been calling and chatting with credit karmas team and they keep saying I need the specialist help but the only help via email but I have yet to receive anything Ive been researching ways to unfreeze card and its nothing I can do
Product: Debt collection

The company has called me a few times. Neither time have I answered but they have left a voicemail with personal information on the voicemail. They dont know that the number they have called on is my phone number. They told me in the voicemail how to pay the bill and the account number that is listed with them.
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 under 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 XXXX 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

On XX/XX/XXXX Disputed inaccurate late payments with Experian for my accounts listed below : XXXX XXXX Acct : XX/XX/XXXX ( 30 days late ) *XXXX  acct XXXX $ XXXX-balance ) XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30days late ), XXXX ( 30days late ), XX/XX/XXXX ( 30 days late ), XXXX ( 30 days late ) & XXXX ( 30days late ) *XXXX  acct ( {$4200.00} balance ) XXXX ( 30days late ), XXXX ( 30days late ), XXXX ( 30days late ), XXXX ( 30days late ), XXXX ( 30days late ), XXXX ( 30days late ), XXXX ( 30days late ). The results stated that these late payments were updated on my credit report but it did not contain how this information was obtained or verified. According to the FRCA LAW, credit bureaus are to report accurate and verified information. Because they are falsely reported derogatory information on my credit report I want these late payments removed and updated as paid as agreed. After reviewing my credit reports with Experian, XXXX, & XXXX I noticed that all three bureaus are reporting inaccurate derogatory information on my credit report. They are also not following the proper payment history legend which consist of the pattern of 30,60,90,120 & etc. I will be uploaded documents as proof of this illegal activity on my credit report.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my report. These injuries below are fraudulent. 
EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for an American express serve card, was approved, had my job direct deposit to it and was very happy with the card. Then one day when I tried to use it I couldn't. I called the company and they told me that my card has been suspended but that they where not allowed to tell me why. They always acknowledge that I have a balance of {$84.00}. and promise that they will send it to me but never do. I've called twenty times in two years to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Debt collection

XX/XX/XXXX Summary : XXXX XXXX XXXX, XXXX Credit Card XXXX received a judgement in courtment for a XXXX mortgage debt of {$14000.00}, back in XXXX on my townhouse residence at XXXX XXXX XXXX, XXXX, VA XXXX. They also received a lien against my residence via this court judgement. It is ironic so far incidental, in the 3 chapter 13 protection instiuted in subsequent years, last one instiuted by self filing, without attorney assistance, in XXXX, XXXX. The current XXXX party debt collector who claimed in my previous CFPB complaint about a year ago, that they had purchased this " defaulted asset '' ( but not the liabilities by previous FICA attorney and XXXX parrty debt collector phone and other harrasment tactics that also required me to file CFPB complaint going back to XXXX. 

In my end, when foreclosure notices were received previously, I sought legal assistance via XXXX, who is the probono legal service for low income families such as myself. XXXX failed to establish non-legal communications with FICA, and suggested Chapter 13 protection for the first time, XXXX XXXX. XXXX ( XX/XX/XXXX )., XXXX XXXX XXXX, Attorney, XXXX XXXX XXXX XXXX. # XXXX, XXXX, VA XXXX, XXXX : XXXX was referred as legal help. XXXX XXXX is a specialist in Chapter 13 & Chapter 7 Bankruptcy protection. On the second time that FICA attorneys filed foreclosue, XXXX XXXX. XXXX XXXX XX/XX/XXXX ) was institued. The 3rd one, institued on XX/XX/XXXX was done self filking basis and without legal assistance, when XXXX XXXX was not available, and I could not find any other legal assistance via other means. This 3rd Chapter 13 case was dismissed last week, XXXX, XXXX by the Trustee and the Judge in this case. 

In the meantime, the current debt collector, against whom I had filed a CFPB complaint has refused communication via my legal representative, and continued their weekly harrasment and claim that the XXXX 2nd Mortgage judgment of {$14000.00} is now exponentially grown to over {$55000.00}, owed. And that they have purchased this " asset '' but not the FICA previous " debt collection systematic harrasements '' libailities, for which several CFPB complaints was filed by me, going back to XXXX. 

XXXX, located in XXXX XXXX XXXX, UT have sent me threating certified mailed letter last week, beside the 2 or 3 weekly mailing I have been receiveing from them for more than a year, with claims of escalating owed money of over {$55000.00}. 

This current claim by XXXX comes from the 2nd Mortgage default judgement, going back to XXXX, awarded to FICA card services division of XXXX XXXX XXXX
Product: Mortgage

Starting the month of XXXX shell point charged my account an insurance premium. i supplied shell point proof of insurance. i was told that they would refund all moneys except rot the month of XXXX at this point they started to list my regular payment as a partial payment. on XXXXXXXX  Shellpoint applied my normal payment of XXXX to principle only in the amount of XXXX then applied XXXX to a partial payment. i have called every month since. Shellpoint have told me they will fix it. Shellpoint has failed to do so. they have reported me behind to the credit agencies. and have issued me arbitrary fees in what appears to be retaliatory measures. it is now XXXXXXXX  and Shellpoint have told me they will not fix the issue and that I need to make an extra payment for the year XXXX  to fix there mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need this late payment removed from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT AND THE CREDIT BUREAUS HAVE REFUSED MY PAPERWORK THAT I SUBMITTED. I'VE ATTACHED A COPY OF THE LETTER THAT WAS MAILED TO ME REGARDING THIS ISSUE.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and discovered several billing errors. The late payments noted are not representative of my payment history. Id appreciate it if you could rectify these errors and update my account.
Product: Mortgage

See attached documents. 

I'm requesting a claim of {$500000.00} at this point for failure to stop criminal activity. RICO violations as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due because these are obviously billing errors. Below is a list of the disputed account. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint today because of invalid information reported on my credit report. 'XXXX  XXXX/ XXXX XXXX ' of XXXX, Ohio XXXX has been recording false information on my credit report. I am under a cordial agreement with the company, the agreement states that I'm scheduled to pay a balance of $ XXXX  monthly, by the XXXX of each month. However, by choice I've been paying a total of $ XXXX   monthly. This payment is drafted directly from my checking account each month on the agreed date. Although my payments are being paid on time the creditor has statements on my credit report insisting that my payments are being paid thirty, sixty, and ninety days late this is false, the inaccurate reporting is very damaging to my credit file. I have made numerous attempts to have the creditor correct this information via phone and disputes directly through the credit bureau. XXXX XXXX/ XXXX XXXX has disregarded each attempt and continued to report damaging false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX Balance {$730.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} Date Opened : XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$3900.00} Date XXXX : XX/XX/XXXX
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 under 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

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXXXXXX XXXX XXXX XXXX  ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXXXXXX XXXX XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
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 I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a victim of identity theft, a report with ftc has been filed. 
Help me correct this issue on my credit reports.
Product: Checking or savings account

I called Wells Fargo to verify main account was closing and it was still open on recorded line rep said account in process of closing automatically this morning I have a charge with XXXX in account and against their own rules and regulations put through a charge on a account that is supposed to be closing and not accept further charges and not charge if no money is there breaking two of their own rules this is the second complaint for the exact same activity in three days see attached screenshots
Product: Debt collection

A death occurred in my apartment while I was away from home for about a week. When i came back it was a month before my movout date but felt early departure was nessisary due to the current circumstances. Upon looking for a new residence to live in, 10 months after i moved out, I am finally notified of the remaining balance owed to my apartment managment. I called my old apartment complex to try and resolve the issue. They insisted that I come by in person and pay the full amount, totaling over {$5000.00}, in cash. I called the collective agency and they informed me that the aprtment complex was legally obligated to resolve this debt through a collector, but they had no documentation of a claim. I myself had to coordinate between the debt collector and apartment to get a claim filed. This took about a week and by the time it was filed my apartment was under new management. I decided to go in person and speak with this new manager. She told me that she was not informed about the situation at all, so we went over my account and she was appauled with how many unnecessary charges were present. Not only did she deduct about {$1000.00} worth of charges, she also told me that the previous managment had never recieved my former roomates social security number and there was no way to contact him or hold him liable for any part of the debt. At this point the consistancy of unprofessional occurrences led me to the believe that this dispute was nessisary. Not only did they try and over charge me AND pocket the money without going through an agency, but the lease was faulty from the beginning, and they knew i would be the only XXXX able to be held liable for any charges upon moving out.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, XXXX, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.
Product: Debt collection

Jefferson Capital systems keeps calling me emailing me and sending letters to my address
Product: Credit reporting or other personal consumer reports

On XXXX Sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Student loan

My son defaulted on his XXXX. I am not exactly sure how many payments he missed. I called Chase, trying to make this right, however they are NOT willing to work with us. Our only options were to either give them {$11000.00} as a lump sum before the end of XXXX OR we can make payments for XXXX months on the total owed which is approximately {$18000.00}. 
I spoke with XXXX different XXXX there. The XXXX XXXX I spoke to said we had to pay {$400.00} a month ( which I thought was going to be until loan was paid off ) when I called back for more information, I was told we could only make payments for XXXX months. We are unable to pay either {$11000.00} now OR {$18000.00} in the next XXXX months. 
My son is in XXXX and is not working, and we do not have the money to pay it off for him. 
I understand now that a XXXX was NOT a good plan. They refuse to rehabilitate the loan and also refuse payments until this loan is paid off. 
On more than XXXX occasion both XXXX mentioned it was on his credit report and until we paid in full, it would stay. 
Their unwillingness to work with us in order to get this taken care of is just not understandable. I know XXXX other lenders will rehab the loan after XXXX payments have been made in time. Why are they not willing to do this and get full amount of loan back?
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report theyre hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is now practicing fraud. they've been made aware and still continued their process. XXXX XXXX Spoke with Collections Manager XXXX XXXX He was made aware that the charge is invalid. I sent him copies of the emails indicating that this charge is invalid and not a true charge due to not processing the application. These emails came from the community directly. I also requested to speak with the XXXX XXXX attorney 's and nothing. I also requested the debt be validated with the company ( XXXX XXXX ) and nothing. I have the phone recordings. See the attached email string. This is false reporting on my credit report and illegal. I want this removed. XXXX XXXXXXXX Made rep aware that this is a fraud charge. I requested validation from the company and I also requested to speak wiht the attorney 's. I have email string and recordings for this as well. They are practicing fraud. XXXX definition of fraud is - Wrongful deception with the intent to gain personally or financially Intentional deception in order to persuade another person to part with something of value A person who pretends to be something or someone he is not
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.
Product: Debt collection

A XXXX form Oracle Financial group call me and my XXXX sons and threatened me with a law suit if I did n't pay a debt that was discharged in my bankruptcy. She demanded that I give her my credit card to pay the debt or the police would be at my door. I hung my phone up.