23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I am not really sure about the nature of this alleged debt. I received a call today from a lady identifying herself as an agent trying to collect a debt. She knew my name and the last XXXX digits of my SS #. When I confirmed my last XXXX, she went on to tell me that she is calling about a debt that supposedly occurred over 11 years ago for XXXX. I discontinued the conversation and advised me that she may contact by mail. I have no recollection of this debt. My husband called to verify the source and she advised him that a lawsuit would be involved.
Product: Credit reporting

My husband and I are not able to file a dispute online or over the phone. I 've tried multiple times and every time it has said that my request can not be processed at this time. I contacted customer service and they keep telling me to call the number I had previously called. I refuse to send my personal information through the mail. I badly need to get my report corrected so I can be approved for a mortgage loan.
Product: Mortgage

In early XXXX my mortgage servicing company was transferred from XXXX to Freedom Mortgage. On XX/XX/XXXX I called and requested a payoff amount to pay off the remainder of my mortgage. Freedom Mortgage would not give me a payoff amount unless I agreed to pay a {$30.00} request for payoff. I explained to Freedom Mortgage that my loan has no prepayment penalty so {$30.00} request was not in terms of my agreement. I then ask if I just sent in the balance with an adjustment for interest would that be acceptable. The lady indicated that I still had to pay {$30.00}. I refused to pay the {$30.00} and sent in the balance of loan plus 7 days interest. 
I have called almost daily since my bank ( XXXX ) sent the check on XX/XX/XXXX to Freedom Mortgage to see when it will be posted. Freedom Mortgage continues to say they do not have the check and in the meantime I am accruing interest. Since XX/XX/XXXX, XXXX has post mark my check 2 to 3 days before the XX/XX/XXXXof each month and Freedom Mortgage has applied balance on XX/XX/XXXX of each month. Now they have conveniently misplace my check while I continue to accrue interest. Per my calculations, I now owe additional interest because they have lost my check.
Product: Debt collection

i contact this company about proof of payment on a debt from XXXX i paid this collection company the full amount but did not receive any type of proof and it was not reported to credit bureaus.
Product: Credit reporting or other personal consumer reports

Equifax is obligated by the FCRA and the SEC to report accurate accounting. The company leverages and securitizes consumer data to make revenue. Consumer has advised ALL accounts mentioned in FTC report were fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer so consumer is now requesting your company to provide the documentation used to determine accounts were indeed authorized by the consumer. Equifax has 15 days to provide consumer with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-Oscar report. If your company does not have documentation to show these were in fact authorized, it must be removed ASAP. 

Said company is liable under the SEC to follow certain rules. All prospectuses and most recent filings such as XXXX and XXXX can be attached as requested. 

Equifax XXXX File Number : XXXX According to 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 will be filing Form XXXX Treasury XXXX to audit consumers account. Equifax gets paid by third party non-affiliate institutions to place information on consumers account. Then securitizes consumers data to further increase their revenue yet refused to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Debt collection

I sent a dispute letter on XX/XX/2021 and I have not received and response from anyone, ( Dispute Item ) Claimed Amount Owed ( Insert Dollar Amount ) XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$9300.00} XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$840.00}
Product: Debt collection

XXXX XXXX Ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Your legal staff will agree that compliance with this request is required under the laws of Federal Statutes. In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate Federal authorities, the XXXX  and XXXX XXXX associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

DP OF EDUC Account # : XXXX | XX/XX/XXXXAccount # : XXXX | XX/XX/XXXX Account # : XXXX, XXXX & XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX - I have disputed these accounts but no response was sent to my mail.
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX are both reporting an alleged collection that is accurate : they have provided no evidence to prove that this collection belong to me.d I demand that they both produce the documents they used to verify this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each of the Credit Bureaus and they have failed to respond to any of my disputes. I reached out to them on XX/XX/2020 and informed them that I was a victim of Identity theft and that the accounts on my report did not belong to me. They have refused to respond to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

On Friday XX/XX/XXXX at XXXX, my friend and I went to this famous Lingerie department store XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX , CA XXXX. While my friend was at the cashier paying out for the items, the sales agent in cashier XXXX deceived my friend into convincing her that she could get a discount of XXXX $ on her purchase if she applies for this angel 'Customer Loyalty ' card which is absolutely fraudulent to sell credit card to people as customer loyalty or discount cards and not mention at any part of time that it is actually a credit card. The agent then asks my friend for her information including her social security number which she does not remember. So, the agent literally told her " You can use your friend 's information instead and I will give you the angel card '' which is a clear incitement to identity theft. So, my friend who knew nothing about credit cards and who just wanted to get the XXXX $ discount on her purchase came asking me for my social security number and did as the sale agent says and the agent then went ahead processing the application for her until I realized in the middle of it that I was being dragged and scammed into applying for a credit card without my consent by this sales agent and without any knowledge by me or my friend of what was going on ; so I immediately interrupted the agent and demanded her to stop what she was doing by clearly stating : " I do not wish to apply for a credit card ; do no proceed with your application please cancel whatever you are doing ''. She after that assured me that she has cancelled everything and the application did not go through. However when I get home later that evening, my friend receives a message on her email stating " Congratulation for your new XXXX XXXX XXXX card, Your credit limit is .... Expect to receive the card in your mail within two weeks ''. I was shocked of how desperate this agent was to sell that credit card, she did not only lie about what she was trying to sell us, and incited my friend to use information that is not hers to obtain the card but also lied about the card application being cancelled though it went through ... 

As a result of this company hiring such irresponsible employee to sell credit cards using all kind of fraudulent methods and lies, I now have a hard inquiry on my credit report that will for sure hurt my credit score and prevent me from getting the mortgage I was planning to apply for to finance my home, and on top of that a credit card issued in my name that I know nothing about.
Product: Credit card

My identity was stolen in XXXX and fraudulent charges started to show up. I contacted Discover to cancel all of the cards and to notify them of the identity theft. On XX/XX/XXXX, they sent a new card number to the person who stole my identity at the following address : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, which they provided me with and I made sure to include on the police report that I filed. ( XXXX XXXX Sheriff 's Office, XXXX XXXXXXXX XXXX ). 
This person had called in pretending to be me and managed to get Discover to send them a new card. Large transactions followed, in excess of XXXX. I reported it as fraud immediately but Discover has still not resolved and just sent me a letter saying the Fraud claim was withdrawn by someone over the phone. This was not me. I told them as much. They are now telling me they need another 90 days to investigate, which puts us out to XX/XX/2024, when I first reported everything the first of XXXX.
Product: Credit reporting or other personal consumer reports

( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states Any consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) 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 explained how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) 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. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( 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. None of these accounts belong to me period.
Product: Credit card

Payed off the balance due in full on a Walmart credit card by electronic transfer of funds from our checking bank account. Walmart took the payment and credited the credit card account for the amount but will not make the line of credit available again. They have said it is their policy in the event of large payments ( which this one was ) to wait to make the credit available again until there is no chance we will cancel our electronic transfer of funds from our checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE XXXX XXXX SS # XXXX OFF ACCT XXXX OFF MY ACCT AS WELL OFF HIS CREDIT REPORT.
Product: Student loan

I had a school loan with Fed Servicing that was bought buy them, I was in the middle of a medical discharge of my school loans. My loans were discharged in XXXX and all my loans are in good standing on all XXXX credit reports except with Fed Loan servicing. They claim I was sixty days late with my loans, and they were in the discharge process and were not to be considered late, my loans were bought and sold 3 times and all XXXX of them are listed as negative on all of the XXXX credit reports. I started to dispute this back in XXXX when I noticed this company put the XXXX loans on all three credit reports. I even contacted DOE and and they said I had to contact Fed Loan and I did and they told me to print out a dispute credit form and send all documents to them and they would fix it, Because on information on the DOE website it says if loans are discharged any negative information on your credit reports will be removed. That is aside from my loans were under protection while in the discharge process at the time. So I sent the dispute to Fed Loan and I got a letter back telling me they looked over documents and are " NOT '' changing the negative standing on my XXXX credit reports. So I called them again and asked why and they said nothing they can do, if I wanted to submit the documents again. I told them NO and that I was reporting them for not following Federal law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Transunion XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Inquiry Date : XXXX. XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 
Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name : Service Finance Company Account Opened - XXXX Amount - {$10000.00} I contacted them when the loan was first initiated, it was for the installation of an Central AC unit . The company that did the work did not complete the job and I had to have another company come in and complete the labor. I explained this to Service Finance Company and asked them to adjust the amount of the loan to reduce the labor from the bill. After going back and forth for 3 months they stopped returning my calls. Since this has been in dispute, we have not paid on the loan. The account has been closed and charged off for years now. They continue to report it to the XXXX each month as a late payment, even though the account has been closed and charged off. I have requested they update their records. They refuse. This has done major damage to my credit. They have also reported to XXXX as real estate loan as compared to an installment loan. 

This company is practicing unethical business practices in reporting the account as active late, in order to bully me into paying an amount that is in dispute.
Product: Mortgage

I am trying to get the PMI removed from my mortgage. I have confirmed with Wells Fargo that my LTV is 77 %. However, they are stating that because it originated as an investment property they will not drop the PMI until it reaches a 65 % LTV. No where in any of the original closing documents was this explained to me. They have admitted that no PMI disclosure was signed at closing. The only thing they can reference is a few generic paragraphs within the deed of trust that we signed about PMI. Within that document it does not state the terms of the PMI. They are stating that since it is an investment property it is not protected under the Homeowners Protection Act which would mandate that the PMI be dropped at this point. I have been paying this for 10 years and I have never missed a payment. This is a deceptive and unfair practice on their behalf. I want the PMI dropped from the loan. Prior complaint number XXXX.
Product: Debt collection

I have been getting threatening calls on my cell and home phones from XXXX XXXX XXXX for about 3 years. The person they are looking for has my same name, the Social Security number and date of birth is different than mine. I have explained this to them to no avail. The last call was XX/XX/20019 at XXXX XXXX. They call almost on a daily bases leaving messages. What can I do to stop this abuse? My credit is very good. I do not owe any money at all to anybody. 
Thank you for your help.
Product: Credit reporting

I disputed the following accounts with Equifax. 
XXXX XXXX XXXX- XXXX I have disputed this information multiple times to Equifax. They keep saying they verified information with the following companies. These companies have stated they do not have validation to the Consumer Financial Protection Bureau
Product: Student loan

The original total on the Joint Consolidation Student Loan promissory note shows : $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$58000.00} total. However, in an email I recently received from Nelnet with an account summary there is a different ( higher ) amount showing under the original loan amounts that shows : $ XXXX $ XXXX {$65.00}, XXXX There is a discrepency in the original amount on the promissory note and Nelnet 's original amount. When I called Nelnet, the customer service agent said it was due to interest, but interest should not affect the original amount. 

I am attaching the original promissory note and Nelnet 's account summary.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX  Account EXETER FINANCE LLC Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions I am well aware of my rights as a consumer. This account is only reflecting on my XXXX credit report. 
The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding collection items that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Credit card or prepaid card

GreenSky Credit and XXXX XXXX bad practice of consumeR FINANACING.

1 ) GreenSky Credit and XXXX XXXX never provided terms and condition. 
2 ) GreenSky Credit and XXXX XXXX did not furnish an application for a loan with a participating financial institution in the GreenSky Program ; 2.

3 ) GreenSky Credit and XXXX XXXX did not provided loan agreement ( Agreement ) with the lender specified on the Agreement ( Lender ) and agree to be bound by the Terms and Conditions of the Agreement ; 4 ) My card was open and charged without my signature and consent ( Over {$5000.00} ) 5 ) GreenSky Credit and XXXX XXXX did make charge that i have not authorize the payments in the schedule above subject to mutually agreed upon completion of project stage ; I confirmed and attest following 1 ) I have not signed an application for a loan with a participating financial institution in the GreenSky Program ; 2.

2 ) I have not Acknowledge/recieve receipt of the GreenSky loan agreement ( Agreement ) with the lender specified on the Agreement ( Lender ) and agree to be bound by the Terms and Conditions of the Agreement ; 3 ) I have not Authorize the payments in the schedule above subject to mutually agreed upon completion of project stage ; 4 ) I did not instruct Lender to disburse the proceeds of the GreenSky loan to the Merchant identified above in the Amount ( s )  specified in the Payment Authorization Schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and Elan Financial has placed unauthorized inquires on my credit report on XX/XX/2022, XX/XX/2022, and XX/XX/2022 on my XXXX and XXXX credit report.