23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After numerous phone calls and a threatening letter about reporting an unknown debt of {$1100.00} owed to GE Capital on an IRS XXXX, I advised the collection company The XXXX XXXX that this debt is phony, unsubstantiated and/, or long pass the statute of limitations for legal collection.
Product: Debt collection

This man keeps calling my employer and threatening to come up here and give me documents and is very rude and after being told to not contact my place of employment keeps calling and calling my line, customer service operator.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Date : XX/XX/2022 This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with the above mentioned account. 

The basis for my dispute is your company was required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I am unable to locate documentation you complied with this requirement. 

Therefore, provide me proof of notification ( i.e. a copy of the actual notification sent ), and proof that it was delivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ). 

If you can not provide proof of notification and date of receipt, then you can not substantiate you followed the procedures required under the Fair Credit Reporting Act. In addition, by not being able to substantiate you performed your duties imposed under that title, you are now in direct violation of it. 

Therefore, the continued reporting of negative information to the credit reporting agencies in connection with the above mentioned account may constitute the furnishing of false information with malice or willful intent to injure me. 

To correct this error I suggest you modify the account accordingly, report the results of your investigation to the consumer reporting agencies to which you furnished the information, and provide me written verification thereof. 

You have 30 days from the date you receive this notice to complete your investigation and respond pursuant to the Fair Credit Reporting Act, section 623 ( 8 ) ( E ) ( iii ). 
In the event you fail to respond to this dispute or provide insufficient proof of notification and date of receipt, I will have no other choice but to seek administrative enforcement with all applicable agencies identified in section 621. In addition, I may also seek the assistance of a legal firm specializing in class action lawsuits. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX Attached is proof of identification and a current bill, identifying me and will suffice throughout all future correspondences.
Product: Mortgage

I have a XXXX mortgage serviced by Flagstar Bank XXXX XXXX XXXX XXXX, XXXX, MI XXXX. My husband and I have struggled to pay our mortgage through the Covid19 Pandemic due to my job loss and subsequent income loss, and was able to put our mortgage payment on pause for 18 months. At the end of the 18 months, Flagstar Bank offered to do a mortgage modification with them, which we accepted around XX/XX/XXXX. Also, on XX/XX/XXXX, in anticipation of modifying our mortgage, we told Flagstar Bank representatives that the co-borrower recently changed his name, and that we have a court order to show that. They told us to upload it to their website, which we did in XX/XX/XXXX, and they told us they would change his name with this documentation, and then send us the proper mortgage modification documents to sign with the full legal name of the new co-borrower 's name. However, it has been 6 months now and countless phone calls with Flagstar Bank representatives and still the co-borrowers name has not changed on the loan to the new full legal name of the co-borrower as shown in the court order uploaded to Flagstar Bank 's website. Flagstar Bank representatives and managers have been telling us during countless phone calls since XX/XX/XXXX that the name will be changed, and the mortgage modification documents to sign with a notary will be sent to us. They have sent us 3 mortgage modification documents since XX/XX/XXXX, and each set of documents has the incorrect, old spelling of the co-borrower 's name on them. So the notary can not verify properly the co-borrower when we try to sign the modification documents. So now, here we are XX/XX/XXXX, and the co-borrower 's name is still not changed, and they decided to end and close the mortgage loan modification offer, and we are absolutely irate that we can not take this loan modification that they offered us with the interest rate they promised us, simply because Flagstar Bank will not change the co-borrower 's name to the official legal name as shown on the court order that we uploaded to them and confirmed that they received it in XX/XX/XXXX. We need someone to help us, because they are completely incompetent and we cant get them to proceed with the mortgage modification. they just decided to close the mortgage modification because they cant seem to figure out how the change the co-borrower 's name.
Product: Debt collection

JPL has threatened to garnish my wages from a Online Loan from XXXX. The contract said that my interest rate was 179 % which equals to {$18000.00} for a {$1000.00} loan ... how is that legal? Also, XXXX XXXX the agent was asking very person questions that is non of her business. 

Such as : Why would I get a loan? 
Did I know about the details? 
What was the loan for? 

So JPL has called me work, my father, my mother and threatened them as well. Im happy to pay off the debt but I am not working with JPL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX, XXXX and Equifax about the reporting of ( 2 ) fraudulent Chapter XXXX Bankruptcies that are showing on my credit files. When I contacted Equifax they refused to do a proper investigation of the matter and only submitted a request to verify my correct personal information with XXXX, and this does not constitute a proper fraud investigation when I have informed both Equifax, XXXX and XXXX that my information was compromised as a result of identity theft. These bankruptcies also show that they were filed in the state of S.C., however I have never resided in the state of S.C., so it is impossible that I could have ever filed a bankruptcy in S.C. as that would be prohibited. I have never in my life filed any bankruptcy but I have always lived in the State of Georgia so there as many reasons why these bankruptcy records are fraudulent. I have sent both XXXX, XXXX and Equifax my personal statement of these facts, a copy of my police report to prove this was fraud and both of them continue to report information that they know is fraudulent. It is also impossible to file ( 2 ) bankruptcies in a one year period yet both of these agencies claim that I did, but his is 100 % false. These are not my bankruptcies and neither agency are doing proper fraud investigations they are only verifying my name and social security number, and that is improper when I have told both companies I was the victim of identity theft where my information was compromised and uses. <P/>The bankruptcy numbers are as follows : Case XXXX filed XX/XX/XXXX Case XXXX filed XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some old/incorrect data on my Transunion credit report, I've filed the same disputes with XXXX and XXXX and they have removed the items. I am unable to file a dispute online with Transunion, they claimed my account required " maintenance '' and I should be able to file my disputes in XXXX business days, it has been XXXX business days and I am still unable. I called Transunion again, and they told me to continue to wait, meanwhile I am unable to get approved for a new mortgage while this is still on my report.
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 USC 1681. 
XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX DIFFERENT SOCIAL SECURITY # SSN : XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1618c. ( 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: Checking or savings account

Wells Fargo would not refund over a XXXX dollars in unauthorized gaming charges that were admittedly taken from my account from an I phone that is not part of my household ( family ).
Product: Consumer Loan

So i got a loan through Care Credit to be able to do my XXXX and i wasnt able to make more than the minimun payments and unfortunately due to illness in family i got overwhelmed and didnt get to call on it to ask how this promotion worked i called today and Care Credit could not help me in any way. i asked if i could pay what was owed before the promotion expired since its only been 34 days after the date of expiration and the person said no. So what can i do to get some help because i just dont want to not pay it??
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 AND CRIMES WHICH ANTEDATES THE REPORT BY 7 YEARS.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit reports from XXXX, XXXX, and Transunion I have seen that my remaining balance on my auto loan is reporting inaccurately. As of XX/XX/2023, the remaining balance of my auto loan reported on all three of my credit reports is {$20000.00}. I am disputing the inaccuracy of my remaining balance.
Product: Checking or savings account

Hi, I am writing in regards to the Citi ( R ) Accelerate Savings that I opened this summer. I ultimately decided to close the account with the help of an agent over the phone about a month after opening the account. This was back in XXXX / XXXX Once my account was closed, I was no longer able to sign into Citi using my login credentials. Today, I received an email saying that my savings account was overdrawn- {$3.00}. As my account is closed, I am not able to log into the Citi portal to view my balance or retrieve the account number. I've also destroyed the debit card that Citi sent me when my account was closed as the Savings account was the only product I had with Citi. I called the Citi support number, I was repeatedly asked to provide an account number which I do not have as this is not information that is contained in emails from Citi and again, I can not log in. I have called twice and received no help from the agents over the phone as I was told repeatedly I need to provide a debit card or account number. The account has been closed since XXXX and I am now being charged monthly account fees out of the blue of {$4.00} for an account I don't use and closed with a Citi agent over the phone to ensure it is closed correctly.
Product: Money transfer, virtual currency, or money service

I have been attempting to get my Direct Deposit since XX/XX/23. Due to an error within the ACH my paycheck was never deposited into my TRUIST account. I went to my local TRUIST branch for a third time today ( XX/XX/23 ) and spoke with XXXX XXXX to determine what the issue was. Keep in mind I have already spoken with my employer 's payroll department ( XXXX  ). I was advised by XXXX XXXX of XXXX that TRUIST did not return the deposit to XXXX for resubmission as ordered by The Federal Reserve. I was also advised from XXXX XXXX that the trace number for Truist ( can provide this number upon request ). Truist stands by their decision that the money was never received by them yet I have my paystub that indicates otherwise with the last digits of my Truist account number listed along with other paystubs that clearly show that I had not changed anything prior to this incident. I am seeking my lawfully earned wages that are being held illegally by Truist.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT NUMBERS LISTED ABOVE HAVE 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 am distressed that EQUIFAX has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated and deleted : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, noticed fraudulent accounta on my credit report.
Product: Debt collection

The Spelling of my name listed is incorrect. I have never used the variation provided. Pleasedelete all the names listed. My full name should be listed only as : XXXX XXXX XXXX SEE ATTACHED DOCUMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified.As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).
Product: Student loan

How can these accounts show the payment status of 120 days past due for the months of XXXX and XX/XX/2019 when it has a balance of XXXX? With that blatant error, its clear that the bureaus do not keep accurate records. They are also reporting this company to be the owner of the debt when they are not! These accounts were transferred to another company. The XXXX and XXXX Credit Bureaus can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID or UPDATE '' all late from reporting on these accounts immediately. Below are the accounts that are still reporting on my account : NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00} NELNET XXXX {$0.00}
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXX/XX/XX/2018 FOR LATE PAYMENTS??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). 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 information that needs to be investigated and correct : 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 reporting or other personal consumer reports

I am writing to file a formal complaint against First Progress Credit Card Company due to inaccurate information being reported on my XXXX credit report. Despite numerous attempts to resolve the issue directly with the company, the information on my credit report remains incorrect and has not been updated to reflect the most recent, accurate status of my account. 

Here are the details of the issue : Account Status : My First Progress account has been closed since XX/XX/year>. However, my XXXX credit report continues to show a past due status and a remaining balance of {$190.00}, which has already been paid in full with no settlement. 

Late Payment Reporting : The account also inaccurately shows that it is two months late, which is untrue. There have been no late payments or delinquencies on my part. 

Communication with First Progress : I have sent multiple letters ( via fax ) to First Progress, requesting that they correct the information being reported to all credit bureaus. These letters were sent on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Each time, I have been assured that my request was received and approved, and that updates would be made when the account reported on the XXXX of the month. However, no updates have been made to reflect the accurate information. 

Customer Service Experience : I have followed up consistently with First Progress, requesting to speak with a manager or supervisor over the past six months. However, I am only transferred to a lead representative who advises me to send another letter due to the lack of response. This ongoing cycle has been frustrating and has hindered my ability to resolve the issue. 

When I initially became a customer with First Progress, their customer service was timely, and their credit reporting was accurate. However, after they outsourced customer service to offshore call centers and altered their operating procedures, it has become increasingly difficult to get consistent, accurate information or assistance. 

The inaccurate reporting on my credit report has had a negative impact on my ability to move forward with my credit rating and financial goals. I am requesting your assistance in ensuring that First Progress corrects this erroneous information and that all credit bureaus are reporting the same, accurate details regarding my closed account. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i entered into a consumer transaction with XXXX XXXX and it looks like now Puget Sound Collections has taken over the account. The big problem that i have is that i noticed this collection company pop up on my credit report, BUT i have never heard from them before and i don't know who it is. I don't know what the {$1800.00} charges are all for, what interest or fees are associated with that amount or anything. I was never given the right to dispute this account, and they haven't sent me any of the documents that i requested. I'm not refusing to pay but this account is inaccurate and never was properly validated for my consumer rights. I think Puget Sound is in violation of my consumer rights by illegally reporting this debt and hurting my credit and causing me stress. I sent them a letter over 30 days ago ( XX/XX/XXXX ) asking for ANY information that they had about this account and i'm being ignored. This is really messing me up.
Product: Money transfer, virtual currency, or money service

blockchain.com company locked my account for two years. Don't let me withdraw money from my account. Even though I sent them many emails. Recently they announced the suspension of my account. And they will send the remaining funds in their exchange to my cryptocurrency wallet. But until now I still don't see any response. I've waited too long. Please help me
Product: Debt collection

There was two credit cards opened in my name in Discover and XXXX XXXX XXXX  and I wanted to report it.
Product: Consumer Loan

I traded my vehicle in on XXXX XXXX 2016, and a payoff check was sent overnight via XXXX for the payoff amount. 
Harley Financial AKA XXXX XXXX then labeled my account PAST DUE and still refuses to record the full payoff check to my account so they can add fee 's and costs along with damaging my credit in the process because they claim the pay was received.
Product: Debt collection

On XX/XX/2021 a collection was placed on my record from this company