23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

- On XX/XX/XXXX an agreement was entered with XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX, for the full balance of the debt over the course of less than 1 year. 
- Payments were to be auto processed by XXXX. 

Up to XX/XX/XXXX, I was under the impression this was resolved. 


XX/XX/XXXX, initial communication from XXXX XXXX XXXX, XXXX. 
- On XX/XX/XXXX XXXX XXXX XXXX, XXXX provided a settlement offer of {$920.00} due by XX/XX/XXXX : Final settlement offer of : {$920.00} due on or before XX/XX/XXXX - On XX/XX/XXXX XXXX XXXX XXXX, XXXX provided a structured settlement offer of : XXXX payments of {$150.00}, monthly ( +- {$1500.00} ) due by XX/XX/XXXX : Final structured settlement offer over 10 months : {$1500.00} due on or before XX/XX/XXXX. 



A total of XXXX consecutive equal payments due on or before the XXXX monthly. 

- On XX/XX/XXXX XXXX XXXX XXXX confirmed, XXXX XXXX & XXXX, is their client. 
- On XX/XX/XXXX XXXX XXXX XXXX claimed that payments to XXXX XXXX & XXXX had ceased. 
- On XX/XX/XXXX it was advised to XXXX XXXX XXXX this debt was paid to XXXX XXXX & XXXX. The payment schedule & final payment receipt, dated XX/XX/XXXX, were provided. 
- On XX/XX/XXXX it was asked to XXXX XXXX XXXX, what is needed from the consumer to close this & receive confirmation of such. 
- On XX/XX/XXXX, only after the previous correspondence had ensued, XXXX XXXX XXXX stated a total of {$3000.00} was paid with a remaining balance of {$440.00}. 
- On XX/XX/XXXX it was advised to XXXX XXXX XXXX that the balance of {$440.00}, is incorrect. 
- On XX/XX/XXXX it was requested the following information be provided, notice of debt, detailed payment history. ( None provided ) - On XX/XX/XXXX XXXX XXXX XXXX again provided a settlement agreement of {$920.00}. 

XXXX XXXX XXXX, XXXX, ( " XXXX '' ) has not provided requested information & can not come to a conclusion of what balance they are even attempting to collect, yet is threatening to file suit against a consumer, when they themselves are in multiple violations of Title XXXX of the XXXX Code / FDCPA. 
XXXX continues to attempt to collect without validation. The settlement offer provided XX/XX/XXXX, is more double what the company previously advised was owed ( {$440.00} ), even though that amount is still incorrect. 

XXXX hired AOB to collect this debt of their behalf & the agreement entered between myself the consumer, & XXXX was followed to the best of consumer ability. XXXX & XXXX have not even been able communicate between themselves what the balance correct balance is. 

Further, XXXX does not have an active license in the state of New York where it is located & registered as per " XXXX XXXX XXXX '' of NY Department XXXX XXXX XXXX regulation of XXXX party XXXX, nor was a bond located in TX XXXX of XXXX, my state it is operating in, as per Section XXXX of the TX XXXX XXXX ( prohibiting operations from XXXX parties in TX ). 


Attached : Email PDFs - Payment Schedule from XXXX. Correspondence between the consumer & FDB / AOB. Notice of judgement filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a freeze on my Equifax file following the data breach, as per recommendations, on XXXX XXXX, XXXX. 

I just received a letter dated XXXX XXXX, XXXX from Equifax stating that they were about to change my address from my actual current address back to my old address from 3 years ago. 

The letter stated I should contact them if I was going to dispute this. 

I called today and after several attempts and calls, was told they had no information on who was changing my address ( which creditor ) and that there was nothing they could do. 

I have not applied for any credit anywhere, I have no credit card debt, and they are informing me that my address is being changed to an address from 3 years ago, and they ca n't give me any information on how or why this is happening.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I pulled my credit file from TransUnion LLC. credit report file number XXXX and located two closed accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which have been obtained and are currently being furnished in direct violation of 15 U.S.C.6802 ( b ) in addition to being in violation of FCRA U.S.C 1681i, 15 U.S.C. 1681s-2 ( a ) ( 2 ), and FDCPA 15 U.S.C. 1692 et seq. 

On XX/XX/XXXX I composed a letter to TransUnion LLC. informing them of the violations and sent them a dispute letter on XX/XX/XXXX certified mail to ; TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX On or around XX/XX/XXXX I called TransUnion LLC. to inquire as to the status of my dispute and was informed that they have the legal right to obtain and furnish any information about me without needing my permission. 

On XX/XX/XXXX I received notification via a secure message from TransUnion Customer Relations informing me that my dispute results were available. Upon logging into the system I found the information was not deleted from my credit file, they simply updated some information on the account.
Product: Student loan

Navient demanded my payment in a VERY short notice upon notifying me that a payment was due. This caused me to delay payments on my other financial responsibilities. On XX/XX/2016, I was charged a {$150.00} fee to place XXXX of my Navient signature private student loans in forbearance at {$50.00} per loan with the XXXX private loans that I have an account with. Furthermore, the forbearance terms are HIGHLY unfair to the borrower as the forbearance period is only available for 1 year through the life of the loan. There are no protections for the consumer if they undergo a financial hardship or an unemployment period. Additionally, I can never receive a clear answer to questions from account managers regarding terms of the loan or interest rate information. In a steadfast manner, I am demanding a FULL refund of the {$150.00} forbearance fee that I paid to place my Signature private student loans into forbearance ASAP. Please notify me of how this refund can be processed. I really do hope that the lawsuit between the CFPB and Navient is successful in the CFPB 's favor. Navient is treating their customers so horribly that they do not have options to protect themselves from the BULLY 's that set policy 's in Navient 's regard. XXXX to those who work for the CFPB that are helping consumers receive fair treatment. Thank you for processing my request.
Product: Credit reporting or other personal consumer reports

I filed chapter XXXX Bankruptcy, this Bankruptcy was XXXX XXXX. I contacted all creditors and credit bureaus to ensure they have up to date accurate information, all bureaus updated all information on all accounts accurately except for XXXX and XXXX. I pay a monthly membership fee to XXXX for services to see and dispute my credit report. last 20 days I have filed over XXXX disputes, with all results being that XXXX finds the current information to be accurate and no changes madeXXXX made changes more severe, it is very clear bankruptcy is not a charge off. On XX/XX/year> my XXXX XXXX XXXX I could see was XXXX, XX/XX/year> my score XXXXXXXX XXXX XXXXXXXX Acct beginning with XXXX reported after my discharge that my account with them is Charged Off, with Balance of {$3500.00} and XXXX XXXX of - {$3500.00}, Comments " Charge Off ''. Paymen legend stating charge off. I 1st filed a complaint in regards to this on my XXXX with cfpb, now XXXX XXXX is retailaiting against me by now attacking my credit profile with XXXX. XXXX refuses to update this account as XXXX XXXX XXXX Bankruptcy, failing to update balance to {$0.00}, failing to update avail credit to {$0.00} and failing to update historical data to reflect the discharge. I am suffering from XXXX and XXXX XXXX illegale reporting to my credit file, I have been turned down for credit offerings, jobs, work assignments, as purpose in Chapter XXXX bankruptcy is to offer Americans a XXXX chance / fresh start and XXXX and XXXX XXXX  are dilibertly causing un-repairable harm to me by the wontan disregard of my Constitutinal Rights & Rights afforded to me within my State and of The United States Of America. I am seeking for my credit file regarding this issue be corrected immendiately with out delay and financial compensation for damages, pain and suffering, damages for violating my Rights.
Product: Debt collection

the year of XXXX? I was buying a car from XXXX XXXX XXXX. The cost was {$15.00}. The car was repro. Sold at auction for {$3000.00}. XXXX XXXX, XXXX and XXXX XXXX, is garnishing my paycheck. They have taken over {$20.00} from me. I am a father of XXXX children, this is a hardship on my family. If they have taken, over {$20.00}, they should give me a car worth the amount they taken from me. I do not have the car! They keep resubmitting the same paperwork threw the court, and they never show, how much they have taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to the Fair Credit Reporting Act U.S. Code 1681s-2, you ( EXPERIAN ) have a duty to provide accurate information, and you are prohibited from reporting information with actual knowledge of errors,. I, the consumer, have notified you ( EXPERIAN ) about the erroneous reporting via the following : certified mail on XX/XX/2022, via CFPB Report # XXXX on XX/XX/2022, via FTC Report # XXXX and via CFPB report # XXXX on XX/XX/2022. You are electing to continue to violate my consumer rights. 



Pursuant to FCRA U.S. Code 1681e ( b ) -you are out of compliance due to inaccurate reporting Pursuant to FCRA U.S. Code 1681s-2- the information is in accurate Pursuant to the FCRA U.S. Code 1692e- the information is false and misleading Pursuant to FCRA U.S. Code 1681b-I did not give written permission to furnish this information
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act, Transunion has violated my rights. 

Transunion is in direct violation of 15 USC 1681. I have the right to accurate information being reported on my consumer report. 

Direct violation of 15 USC 1681B- permissible purposes, as I did not give transunion any written instruction to furnish such inaccurate information Direct violation of 15 USC 1681E ( B ) by failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the furnished report relates to please refer to the documents attached to this complaint, stating the facts and information regarding this matter.
Product: Credit card or prepaid card

Hello, I had a XXXX Credit Card that was exposed to XXXX at the end of 2018. They called me and determined that this was indeed the case. They stated that they would send me a new card and I never received it. Being out of sight, XXXX/Chase did not inform me that if anything was coming out of the previous card, it would transfer to the new number. This is what happened and I did not know until it was too late. There were XXXX XXXX XXXX payments that came out of the new card number ( again, I never received this card ) and caused my account to go delinquent. I have never been delinquent on anything in my life. Then I called in XXXX to inquire as to what is happening and that is when I found out about the charges. They then waived the late charges and interest, but I did not care about this. I cared about the negative marks on my credit. I then called today and spoke to XXXX in the XXXX office telling me that the account was closed? I do not understand. I would like my account reopened and negative marks removed becuase this was totally out of my control and was not given adequate information from XXXX/Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX   2017  I spoke with  XXXX   XXXX  and  XXXX  at quicken loans. I had  two  very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior.  XXXX   XXXX  pulled my credit WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my  credit score would n't drop and that it 's the same as one months ago. I told him not  to pull the credit he did it anyway and my score has dropped  XXXX  points immediately as a result
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. XXXX just removed two of the loans but XXXX and experian has not.
Product: Credit reporting

TransUnion has several systemic issues in addressing consumer complaints. :1 ) If new information or documentation is provided regarding a dispute, TU automatically claims the dispute is frivolous as the " account '' has already been verified. 

2 ) While TU may not be required to investigate information from judgments/public records, they should at least make certain the information matches the public records! 
3 ) TU is not considering the original date of delinquency to establish the date the item will be removed. 

I have included the public records that clearly states the " filing date '' of a judgment is XX/XX/XXXX and the filing date on my TU report ( also included ) states XX/XX/XXXX. The other CRAs immediately removed this item when I brought it to their attention. After XXXX dispute attempts with TU ( most recent dispute attached ), I have decided filing a complaint is my best course of action. 

This error on my TU report is preventing me from purchasing property. This is unfair and is in violation of the FCRA. 

Thank you for your consideration, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE:XXXX-20 COMPANY : XXXX XXXX XXXX Michael J. Scott XXXX XXXX XXXX Scott & Associates , PC ISSUE : Ive NO CONTRACT with these entities and have been disputing this for some time as your files will show. As soon as I disputed here they illegally noted derogatory trade lines on my credit.They also illegally impersonated an officer of the law showing up to a residence and spoke to people they believed associated with me fully disclosing procedures against me. They violated numerous FCRA FTC and TILA Statutes by way of not responding to over 33 written certified correspondences from myself asking them to verify and provide information specifically requested which they refused to do. During this time they filed a lawsuit against me where I do not reside serving someone else. Thankfully I was alerted of this information and filed a motion to quash service of summons and motion to dismiss.I also filed a complaint with the attorney general as well as the FTC and Federal Reserve. On XXXX-20 they legally DISMISSED all allegations ENTIRELY against me by way of filing with the courts. MY CREDIT REPORT IS INACCURATE NOT REPORTING THIS AND NEEDS TO BE FIXED IMMEDIATELY. I PLAN ON FILING FEDERAL RICO CHARGES FOR THEIR CONTINUING CONSPIRACIES AGAINST ME SHOULD THIS NOT BE REMEDIED ASAP.PLEASE REQUEST THEY PROVIDE YOU WITH COURT DOCUMENTS SHOWING THE INACCURACIES AND THAT THEY REPORT TO XXXX  XXXX  AND XXXX  ALL EQUALLY WHICH HAS SIGNIFICANTLY BEEN LOWERED BY INACCURACIES AND LOWERED MY FICO.I REITERATE I DO NOT HAVE A CONTRACT WITH THEM AND THEY HAVE AGREED BY FILING WITH THE COURTS THEY HAVE DISMISSED ALL ILLEGAL ACTIONS UPON MY CREDIT WHICH HAS YET TO BE REMEDIED.
Product: Debt collection

I keep getting text messages about a person I know and is not my debt debt collector tells me hes going to call the cops to my house and pulled info regarding my house and car I told him this is the wrong number and keeps harassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a denial from Target on a credit cart application. I contacted target and they told me that seone had applied using my driver 's license number and an XXXX email. I do not have an XXXX ail account. It resulted in an inquiry on credit. I did not apply for this. Target advised they could notify the credit agency to remove the inquiry. They advised me to call my local DMV because they used my license number. I did that. They also told me to come to this website to report it as a potential ID theft attempt. Thank you so much. XXXX XXXX
Product: Debt collection

XXXX XXXX has attempted to contact me through my wifes personal email address and they violated the TCPA by sending me unsolicited sms text messages about a debt from XXXX XXXX XXXX which I never incurred and is not listed on my credit report. I responded the to email requesting to dispute the debt but they replied that they will only continue if provide my mailing address for a dispute confirmation letter. I refuse to release my personal information and requested they email me confirmation. They never did. About a month had passed and they began to sms text message me again stating they will settle the debt and offer a partial write off. I dont have an unpaid debt to write off. I have never had a satellite subscription ever. If XXXX XXXX is a legitimate business, they need to be heavily audited and fined for violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022, its been way over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are all reporting Incorrect information on my credit report. I called Experian today because i received a copy of my credit profile. I noticed many errors on my report. They were not able to provide me with all the information. Information is still being withheld concerning who or what agency reported certain inaccurate information. My XXXX  score has dropped as a result. I have filed a fraud alert with the FTC. I am furthermore requesting that all fraudulent information to be removed from my report. This has caused me to miss out on many financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian today on XXXX, XX/XX/2022, around XXXX P.M. XXXX. I was on an extremely long hold. I finally got to a fraud dispute agent. At exactly XXXX P.M. XXXX the agent stopped talking and all I heard was the sound of static. Experian disconnected the call. This has happened to me on innumerable occasions and it is unacceptable. This is an unfair business practice. Im tired of Experians dropped telephone calls. I call XXXX and XXXX just as often and never once had a call disconnected. My telephone calls are constantly dropping exclusively with Experian.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I am attempting to get my credit report which I'm entitled to by law. AmRent refuses to provide my personal information. I need to see if there is any fraudulent information in my name.
Product: Mortgage

I've received conflicting and -- at times -- misleading information from my current mortgage provider ( PHH Mortgage ) ahead of a XXXX transfer to another loan provider ( XXXX XXXX  ). 

On XX/XX/XXXX, I received a formal notice of servicing transfer from my current mortgage group that stated all payments to them should cease on XX/XX/XXXX and any payments received after that would be forwarded to my new loan provider. On XX/XX/XXXX, I received a new mortgage statement from PHH for XXXX, saying I owed them for the XXXX payment and " If payment is received after XX/XX/XXXX, a {$100.00} late fee may be charged. '' When I called their customer service desk today, the automated system repeated this information. 

It was only after waiting to speak with a technician that I was assured 1 ) the second letter was an automated notice and can be disregarded, 2 ) I can prepay the XXXX balance to them, that's why they sent it out, and 3 ) any payments made to PHH for the XXXX balance would be noted and updated with XXXX. However, with this last case, there is no documentation of this provision anywhere on their website or the literature they provided to me. No where on either the notice of servicing transfer or the mortgage statement does it present this as an optional payment to PHH prior to XXXX XXXX  assuming my loan -- for this same quoted billing cycle. 

With respect to the other two items, I can understand the nature of automated messages but, since they admitted their system shows my mortgage transferring after XX/XX/XXXX, it feels incredibly dishonest to misrepresent on their automated forms and phone systems that this is a bill DUE ( not as an optional prepayment ) and is one with a financial penalty for late payment. 

Honestly, the whole experience feels like a scummy mortgage company that sends out misleading and false bills in an attempt to trick unsuspecting borrowers to make duplicative payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a hard inquiry that I don't recognize, on my Transunion credit report, shown as XXXX XX/XX/2022 Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual I contacted Transunion and their customer service wanted me to file a claim with FTC ( and I'm redirected HERE towards CFPB ), and submit this claim report along with a written statement, to authorize them to remove the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 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 XX/XX/XXXX