23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have six accounts in collection from XXXX XXXX XXXX XXXX XXXX Dates of service and amounts reported to my credit was incorrect. I called XXXX XXXX and was advised the debt can not be removed. The claims were only submitted to my primary insurance with XXXX XXXX and not my secondary insurance with XXXX. For XXXX/XXXX/XXXX {$550.00} for XXXX/XXXX/XXXX {$26.00} and {$230.00} for XXXX/XXXX/XXXX {$1200.00} my insurance at XXXX XXXX paid leaving a balance of {$540.00} to be billed to XXXX. For XXXX/XXXX/XXXX {$680.00} and for XXXX/XXXX/XXXX {$660.00} XXXX XXXX paid XXXX leaving a balance of {$420.00} to be billed to XXXX. XXXX XXXX reported the wrong amounts to all three credit agencies and never requested any referrals needed for procedures and would not do anything after I spoke with XXXX in billing three times.
Product: Mortgage

We filed a complaint with you before ( Case # XXXX ) regarding the second mortgage we had on our house. XXXX sent us a letter ( attached ) stating that Chase had improperly boarded the loan to XXXX and that they were closing their file. XXXX issued a cancellation of debt ( attached ). When we recently applied for a home equity loan, we found that Chase never released the lien against our home. As you know, this will limit our ability to access the equity in our home. What can be done to get them to release the lien? Thanks
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you 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. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : \ 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 XXXXXX/XX/XXXX
Product: Debt collection

I have been trying to settle this account that I don't even own with portfolio recovery to no avail. Upon checking my reports today I realized that they are reporting as an open account with me having 2 late payments in XX/XX/2018 120 days late. I HAVE NEVER made payment arrangements of any sort with this company and I believe that would mean they are acting as a factoring company. This has to be some sort of violation with them.
Product: Student loan

NES serviced my loan after  XXXX  charged off the loan without contacting me by phone, email or mail.     Since  XXXX , have paid {$10000.00} on these loans to  XXXX . I have requested financial hardship assistance multiple times and have been denied all options.     The original lessor,  XXXX   XXXX   XXXX  charged off my loans in  XXXX   XXXX . Per FTC regulations you were mandated to report the activity to the credit bureau within 30 days, and contact me within 30 days.     NES did not contact me by  XXXX   XXXX . As of  XXXX   XXXX , there was no report made to the credit reporting bureau. This is a violation of FTC regulations.     Furthermore,  XXXX  withheld information regarding my loan. Between  XXXX   XXXX  and  XXXX   XXXX  I made numerous attempts by phone and written email to obtain the contact information of the new servicer ;  XXXX  would not even give me the name or phone number! It was impossible for me to make any payments at this time.     Finally, the first correspondence I received from NES by mail was on  XXXX   XXXX ,  XXXX . I have not received any phone call or email communication from  NES.  Today is  XXXX   XXXX ,  XXXX .     I had an attorney at  XXXX   XXXX  send a dispute letter on my behalf on  XXXX   XXXX ,  XXXX . NES claimed my dispute was invalid and they attempted to contact me. I did not receive any phone calls, voicemails, or emails.     NES did not contact me via phone, email or mail between  XXXX   XXXX  and  XXXX   XXXX . Again, it is not possible for me to communicate with another party if I do not have accurate, assessable contact information.     In  XXXX , I received a letter dated  XXXX   XXXX ,  XXXX  from another collection agency! Now    XXXX   XXXX   XXXX   XXXX   XXXX   holds the loan. I am working with an attorney to send a dispute letter on my behalf within the next week.      This is is predatory and unjust behavior from all of these agencies.   I intend to pay my student loan, I need fair treatment and fair reasonable payments.     Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. I have contacted the creditors, but nothing has changed I'm asking for verification into account details and to provide accurate information if not to delete these accounts from my name. 

XXXX Name and Address Wrong XXXX XXXX Name and Address Wrong PORTFOLIO RC Name and Address Wrong XXXX Name and Address Wrong
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been found in my credit report. I have listed these items below for your reference : XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

XXXX  - Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I request that you remove this frivolous account immediately from my credit report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX This address is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

The following personal information is incorrect : Account Number : XXXX XXXX XXXX This employer is not correct, so I request that you delete it immediately from my report. 

XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I request that you remove it from my credit report immediately. 

DEPT OF ED/XXXX  - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX - Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it does not, I request that you delete this account from my credit report. 

Thank you for your attention to this matter. I hope that you will be able to resolve these issues and make the necessary corrections to my credit report. 

Sincerely, XXXX 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. 
XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 : it's also 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 containing any 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 reporting, credit repair services, or other personal consumer reports

For more than two years, I have tried to get details about my credit files, many of which were wrong or mysterious ; and I had paid for the monitoring plans for each of the big three, Equifax, XXXX  and XXXX. Despite that, and having also paid a legal debt correction service ( XXXX? ) for about 10 months with less than satisfactory results ; and also my Legal Shield law firm, which sent letters to the creditors that refused to supply verification and source of debt details ; and also wrote each of the three reporting services seeking removal of erroneous, old and paid off accounts ; I see that many of these remain, even some XXXX XXXX XXXX ; and lately, a company with which I have a dispute over services and its contention I owe them for early termination ( XXXX XXXX XXXX XXXX ), I now have yet another mark on my credit report. I can not get any results! And it is hurting me.
Product: Credit reporting or other personal consumer reports

This is my multiple request ... The inquiries were not authorized and reported in my Equifax XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized and reported in my XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT BAY AREA RECEIVABLES INC Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious BAY AREA RECEIVABLES INC Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB continues to violate the FCRA by the following : Provide 609 Letter with the following detail, Pay off disclosure, Interest Rate Disclosure, Payment History and credit insurance details. 


IRS Publications 4681 ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments. IRS defines Charge-off as gross or ordinary income. Income does not get reported on a customer report. Therefore, the reporting of this account as a debt is inaccurate and I am requested to cease and desist the reporting of incorrect/inaccurate information immediately. 

In addition, The continued reporting of the inaccurate information is a clear violation of the laws 15 U.S. Code 1681s2 of your responsibilities as a furnisher of information, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC-9 Part 6 remedies.

15 U.S. Code 1681 ( a-4 ) Congressional Findings and Statement Purpose As a consumer Congress gives the right to privacy, I demand a removal of this account immediately. The law states There is a need to insure that consumer reporting agencies exercise heir grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

According to consumer Law collection agencies must be in the state in which the consumer resides, The agency is is PA I reside in NJ. 

All information must be accurate and verified according to FCRA, Inaccurate reporting is a violation and proof is attached of all the inaccuracies reflecting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 6 accounts for my federal student loans with DEPT OF ED/XXXX  are now closed with a {$0.00} balance as they have been refinanced with the Department of Education to DEPT OF ED/XXXX XXXX. My credit report needs to accurately reflect this updated status as of XX/XX/2020.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax consumer reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of two personal credit cards opened with XXXX XXXX on XX/XX/XXXX, a credit card opened with Capital XXXX on XX/XX/XXXX, and a personal loan with XXXX XXXXXXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of aggravated identity theft.
Product: Credit card or prepaid card

I applied for this card in XXXX through the University of XXXX  XXXX and they received some benefit from the card. I used the card extensively over the years. My last use of the card was in XXXX of XXXX. Today, I received a letter from the Bank of America that informed me that my credit card had been cancelled effective XX/XX/XXXX. It was closed due to lack of activity. I had a high credit line. 
I called Bank of America with the expectation that they would reactivate my account. I was informed that once they cancelled a card, it could not be reactivated. My only recourse would be to apply for a new card. 
I asked about why there was not a notification that they would cancel if there was no activity on the card. I was told that they began cancelling cards without notification in XXXX ( about COVID time ). They had such a negative response to that policy that they have now again started to notify people when the card was in danger of being cancelled. I was just unfortunate enough to be in the time window when they di

d not notify, they just cancelled. My real complain is the great impact that this unilateral decision will have on my credit score. Since one of the
criteria is length of credit, the 24 years that I have invested in this card are gone. Additionally, the high credit limit that I had no longer reflects as available credit in my report. This also h

as a negative impact on my credit score. Finally, if I re-apply for a card, as I was encouraged to do, it will further damage my credit score since it will reflect as a new credit inquiry. I do not think it is right for a company to unilaterallty make such a decision that can so negatively impact a co nsumer. I also do not think that it is a good policy for a customer service organization, such as a bank, can not have a simple remedy for a consumer that would alleviate all of this.
A first solution would be to notify the consumer of a possible suspension of their card. To their credit, Bank of America told me that they are again making those types of notifications, but there is no solution for those situations they have already created.

A second solution should be empowerment of their customer service personnel to quickly rectify this situation where they discontinue service without notification. I presume that is a company by company decision, and I think Bank of America has dropped the ball on having a simple solution.
Product: Money transfer, virtual currency, or money service

I sold an XXXX for XXXX the buyer paid and I shipped it. She has the phone and PayPal refuses to release my funds. I was never made aware they were holding m yu money I would have never sent the phone we or used PayPal. They charged me XXXX Dollars IU n fees and IU do n't know why I 've tried to get my money and they keep saying they ca n't yet
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Data Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from Medical Data Systems about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

My credit was frozen by Experian for unknown reasons. When attempting to contact them I was unable to verify myself through their phone system and it keeps hanging up on me. I was able to get a person at their corporate office to finally ( after 6 hours of time spent to get a human ) identify that someone else created an account with my social security number. So there is FRAUD on my account but I can't resolve it. The only way to solve the issue apparently is to 1 ) Send a letter to a po box with proof of your identity or 2 ) Get verified by a bank of credit questions... 

Issues are if you send the documents they DO NOT get back to you. You have to get them on the phone in 6 weeks and hope they did it. But ... as I said above I can't get someone on the phone because fraud issue prevents me from verifying myself. I can't get verified because the credit questions require getting an agent on the phone which..that 's right .... I can't get because I can't verify myself due to the info being wrongly set up by the fraud actor. 

I'm stuck with frozen credit and no way to correct the issue.