23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
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, Experian credit 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.

These fraudulent accounts consist of two Student Loan accounts opened on XX/XX/XXXX under the account number ( private ), an mortgage loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), an mortgage loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). Support order opened at Domestic relation Section on XX/XX/XXXX under the account number ( private ). 
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. Further these accounts are now considered in litigation. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit 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, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I am no longer playing this game with Wells Fargo. I have contacted the FTC. It has been 4 months now and I do not have a copy of the document where I was charged XXXX. I will be contacting additional government agencies.
Product: Credit reporting or other personal consumer reports

I am writing to formally escalate my dispute regarding the unverifiable XXXX XXXX XXXX allegedly filed on XX/XX/XXXX, which remains on my TransUnion credit report despite my repeated disputes. TransUnions recent response to my Consumer Financial Protection Bureau ( CFPB ) complaint was misleading and factually inaccurate, in violation of the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and Kentucky state law. 

Following my CFPB complaint, TransUnion responded by stating : They conducted a review of my dispute. 
They mailed me a copy of my credit report. 
They stated that the bankruptcy is not currently on my TransUnion credit report. 
They provided general information about how inquiries remain on my report for XXXX years and how I could dispute them separately. 
They stated that certain other actions had been taken, including the deletion of an inquiry. 

However, my XX/XX/XXXX, TransUnion credit report explicitly lists the XXXX XXXX XXXX, directly contradicting their claim that it is not on my report. This false claim is an egregious misrepresentation and a clear violation of my rights under federal and state law. 

Legal Violations Committed by TransUnion : XXXX. Fair Credit Reporting Act ( FCRA ) Violations : XXXX ( a ) ( XXXX ) ( A ) Credit bureaus must verify disputed information within XXXX days or delete it. 
XXXX ( b ) Credit bureaus must ensure maximum accuracy in credit reporting. 
XXXX ( a ) ( XXXX ) XXXX may only be reported if they are accurate and verifiable. 
XXXX. Consumer Financial Protection Act ( CFPA ) Violations : XXXX XXXX. XXXX Prohibits deceptive or unfair acts. 
TransUnions response to the CFPB stating the bankruptcy is not on my report is factually incorrect and misleading. 
XXXX XXXX XXXX XXXX ( XXXX XXXX - XXXX ) : Prohibits unfair or deceptive trade practices, including the mishandling of consumer credit information.
Product: Checking or savings account

I logged in and checked my account and noticed that it was overdrawn by {$1400.00}. I called and was told by a representative that as a courtesy the gave me a credit of my estimated child tax refund when my account was overdrawn on multiple occasions ( never authorized by me ) and yea hen came to debit it back from my account in XXXX ( Also never authorized by me ) They claim they mailed me a letter but again I never authorized this service or program and how would they know if I was even using my account for tax refund purposes or if I was even allowed a credit this year. I never gave Navy FCU permission to credit, debit or participate in a program that would give me temporary credit. I am extremely upset and now forced to pay back something I never agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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: Mortgage

I had a trial payment with specialized loan servicing and I had a lengthy hospital stay and missed my XX/XX/XXXX PAYMENT, I CALLED AND WAS TOLD I COULD NOT PAY FOR THE MISSED PAYMENT, THAT THAT DAY WAS THE LAST DAY, SO I CALLED LATER AND ASKED AND THEY SAID MAKE PAYMENT, SO I WAS AT GROCERY STORE FOR XXXX XXXX AND CALLED FOR THE INFO AND IT WAS CANCELLED, I CAN MAKE MY PAYMENTS, BUT I AM TOLD THAT MY HOUSE WILL BE SOLD ON XX/XX/XXXX, TODAY IS THE XX/XX/XXXX, IT WAS NEVER POSTED IN THE NEWS PAPER OR I WAS NEVER NOTIFIED, THIS IS WRONG, AND I WANT SOMEONE TO HELP ME, I AM GOING TO THE MEDIA, I WAS IN THE HOSPITAL DUE TO XXXX XXXX, I AM XXXX AND JUST WISH TO STAY IN MY HOME, ... ... .I JUST CALLED THE LAWYER XXXX  XXXX XXXX AND THEY TOLD ME THAT BY LAW THE PROPERTY HAS TO LIST IN THE PAPER FOR 4 WEEKS AND I HAVE TO BE NOTIFIED 30 DAYS PRIOR TO MY HOUSE BEING SOLD, SLS SUPERVISOR TOLD ME THAT MY HOUSE WAS BEING SOLD XX/XX/XXXX AND I HAD TO ACCEPT THIS, WHY WHY WHY WOULD SHE DO THIS TO ME, I AM XXXX AND XXXX AND SHE JUST CAUSED ME TO HAVE A SET BACK IN MY HEALTH, MY XXXX XXXX WENT UP AND MY XXXX XXXX   TO A VERY LOW POINT ALL BECAUSE SHE WAS BEING NASTY AND LIED TO ME, WHY WHY WHY DID SHE LIE TO A XXXX PERSON WHY?
Product: Credit reporting or other personal consumer reports

FCRA 15 USC 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This collection agency has violated FRCA 15 USC 6802. I was never given the opportunity for non disclosure option in any shape or form.Not only is IC system reporting inaccurate information ( wrong information such as address ) but but reporting misleading and misinformation AGAINST MY WILL.This has completely violated of my consumer privacy rights. This collection agency has engaged in false and misleading practices violating FDCPA 807 and and providing misleading forms violating FDCPA 812.This matter has effected my privacy and cause defamation of my character.I asked for this to be resolved by removing this negative remarks OFF my credit report with all 3 credit bureaus as I the consumer have NOT AUTHORIZED IC SYSTEM to report ANYTHING on my credit report.
Product: Checking or savings account

I was charged 4.5 dollars again!!!! 
In early XXXX, I was told I need to put {$500.00} into account to avoid the fee and I put {$550.00} dollars in. And Yesterday, I was charged 4.5 dollars again!!! 
I called and I was told this time I need to put {$1500.00} in to avoid bank fees. 
I am asking you to refund me the charge! 
Still, the refund was denied because of the {$30.00} refund limit. 

Last time, the nonsense charge is caused by Citi giving me XXXX dollars of interest and charging me 4.5 dollars of fee and then charging me 34 dollars of the overdraft fee.
Product: Mortgage

The home is in a Trust. The owner XXXX XXXX passed away. The grandson is the co-administrator has been trying to work with Ocwen Loan Servicing to save the home. 
The home has a sale date of XX/XX/2018. 
First they told us that we had to send in a modification application but it had to be from one person. XXXX XXXX XXXX gave the application with all of the necessary documents. 
A complete modification package was submitted. Then Ocwen stated that the property had to be in an assumption. They wanted a new title. Before the new title was recorded in the XXXX County Clerk 's Office, we faxed the copy prepared by the attorney to XXXX ( after waiting two or more weeks ) then they said we had to fax it to XXXX and we did. Now they are saying the Title in correct, we sent it to them for their approval! They wanted proof of Insurance, then they wanted an affidavit from the XXXX XXXX XXXX that he was the Grandson and we sent it. Our last conversation was that they were reviewing the complete modification package. 
The person assigned to the account is XXXX, but the last person that called is XXXX who has no idea what is going on in this account. 
On XXXX we sent The title for approval to XXXX at XXXX
Product: Vehicle loan or lease

Consumer Portfolio Services continues to report as charged off the remainder of their auto loan to me, if indeed a contract was formed at all, which violate applicable usury laws ( including but not limited to N.J.S.A. 31:1-1 ) I refused and continue to pay a full 200 % of the value of the car. I have attempted to resolve this amicably, but seek your intervention as a remedy of law. This item remains the only negative item on my three major consumer credit report.
Product: Debt collection

Dear CFPB, I am writing to address several significant concerns related to the actions of a debt collection agency, Schwartz , Schwartz & Associates ( LIC. # XXXX ), and their handling of a debt purportedly owed to XXXX XXXX XXXX XXXX XXXX 

Failure to Verify Debt : I filed a dispute regarding the debt on XX/XX/, providing comprehensive details, including evidence of my dispute, and requesting the debt be verified. To date, I have not received any response or verification of the debt from the debt collection agency. This is in violation of the Fair Debt Collection Practices Act ( FDCPA ), which provides me with the right to have the debt verified. I have attached a copy of my initial dispute letter and evidence for your reference. 

Continued Attempts to Collect Disputed Debt : Despite my dispute, and even after submitting the dispute to Schwartz , Schwartz & Associates, the agency has continued its attempts to collect the disputed debt. This is a blatant violation of the FDCPA. The debt remains in dispute, and I have clearly requested that all collection efforts cease until the dispute is properly addressed. 

Communication After Request to Cease : I sent a cease and desist letter to Schwartz , Schwartz & Associates, instructing them to cease all further communications. The letter was received on XX/XX/XXXX ( USPS Tracking number XXXX ) and proof of delivery attached. 
Unfortunately, the agency has ignored my request and continued to contact me regarding the disputed debt. This ongoing communication is not only in direct violation of the FDCPA but is also causing significant distress. 

I am deeply concerned about these violations of my rights as a consumer, as outlined in the FDCPA. I respectfully request that the CFPB investigate these violations and take appropriate actions against the debt collection agency, Schwartz , Schwartz & Associates, to ensure they comply with federal laws and cease their unlawful collection attempts. 

Enclosed, please find the supporting documentation related to my complaint, including copies of my dispute letter, the cease and desist letter, and any correspondence from the debt collection agency that demonstrates the violations I have described. 

I appreciate your prompt attention to this matter and your efforts to safeguard consumer rights. Please feel free to contact me if you require any further information or clarification regarding this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Student loan

Kentucky Higher Education Student Loan Corporation. 

Signed the loan expecting deferred payment. Turns out that it was not deferred, and company lied to my mother ( she cosigned ) and I multiple times about payments.We called multiple times and were told that our payments were deferred until after my graduation in XXXX. We were told it was deferred Then, we suddenly get contacted and told we owe payments by XX/XX/XXXX. After numerous attempts to contact the company, we were put on hold for days with an advisor named XXXX. She steamrolled us, not allowing any questions, and then changed the loan into a deferred payment, upping the interest rate to 6 %. This means the {$400.00} payment is now {$590.00}. I did not sign for the {$590.00} payment, or a non deferred loan. What company provides immediate payment student loans? How am I supposed to repay {$590.00} payments a month as a XXXX XXXX XXXX? This is a morally unjust practice, and XXXX implied that this happened to multiple other students. 

XXXX said it is due to their system not processing loans as deferred. Why am I being forced to hike my interest because their system failed? That is a breach of our student loan borrowing agreement and needs to be rectified. I am not even able to access loan documents, being even more shady. 

Why are we, as full time students, getting screwed over by incompetent lenders? My paperwork specifically mentioned the deferment until after graduation. This means they breached a federally binding contract, and should be investigated. Their website is also very shallow and does not offer assistance at all, even seeming predatory. 

I am making this complaint on behalf of myself and every other loan borrower from XXXX, and I urge the CFPB to look into this predatory company. Incompetence seems to XXXX  from every XXXX  of this organization, and it is not fair that hard working student loan borrowers like myself get punished for their XXXX.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I sent a wire transfer to XXXX XXXX for the amount of {$150.00}. Until today XXXX XXXX the amount has not received by the beneficiary bank. I called the customer services several times at XXXX and every time they promised me to investigate it and get back to me but every time I get a different information and reason for the delay. On XX/XX/2021, I requested to talk to Direct relationship Manager and was connected to XXXX XXXX at XXXX. After her investigation and the emails we exchanged, I requested to cancel the transaction and refund me the amount. Until today, I have not received the money. I called Ms. XXXX several times and left her a voice messages, and sent her an emails but I have not heard from her until now neither returning my phone calls. Please let me know if you have questions or need additional information from me. Thank you for your prompt attention to this matter
Product: Debt collection

I have told them that I have never had any account with Citibank until recently and that if they could please send me documentation I would take the appropriate steps. They become abusive and threatened to arrest me and that I will be sued in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted request for XXXX to remove this incorrect reporting from my credit. XXXX sent me back a notification they send everyone which was they verified information and the outcome of the results included the status remains the same. 

Account : XXXX XXXX XXXX XXXX credit card # XXXX opened on XX/XX/2022 with an amount of {$5600.00} This negative reporting is hindering me from accomplishing goals I have set forth also causing a great deal of damage to my credit profile. 

On XX/XX/2022 I sent a follow up notice to all credit bureaus and as of today this negative and fraudulent item remains on my report.
Product: Debt collection

Portfolio Recovery Associates are attempting to collect on a debt that i do not own. They have continually called my home phone and my place of employment to attempt to collect on this debt. they have not provided any proof this debt belongs to me.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding an account that is incorrectly being reported on my credit file, despite being past the statute of limitations for reporting. The statute of limitations for this account is XXXX years, as it was established in Delaware. 

I contacted XXXX XXXX and XXXX ( online ) and even after filing a dispute, and they informed me that they could not assist me but advised me to reach out to XXXX. However, I have not been able to reach anyone at XXXX again over the phone to resolve this matter. Since this account is beyond the allowable reporting period, it should be removed from my credit report immediately. 

I have also attached a copy of my credit report I am granting the CFPB authorization to investigate this matter further on my behalf. I appreciate your assistance in ensuring that XXXX complies with federal credit reporting laws and promptly removes this outdated account. 

Sincerely,
Product: Credit card

It seems that FCRA 605B mandates the removal of any erroneous accounts from my credit report. Would you mind checking the documents? There are discrepancies in the reported accounts, including incorrect amounts and dates.
Product: Debt collection

I've received dozens and dozens of calls and voicemails from MCM. I do not owe any debt to any company, now or ever. Many of the messages were garbled and did not say who they were asking for or what they were calling about. In one message they asked for someone named XXXX, so they are calling the wrong number because that's not my name. They leave a callback number XXXX with instructions but when I call them back -- immediately when they call me on the weekends, or during business hours during the week -- I get a recording saying I should call back during business hours. No matter when I call them back to get my phone number off their lists, they do not answer the phone. I've blocked every number they try calling from but they just call from a new number and leave the same message for someone I don't know.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please provide me with strict proof I authorized these inquiries such as a application bearing my wet ink signature, contract or recorded telephone call.. In accordance with the fair credit reporting act public law 91-506, title VI, section 611, subsection A-D, I demand you provide actual proof the information was verified and not a computer generated confirmation. If you are unable to provide any of the above please delete all inquiries immediately These are the items I am demanding be deleted immediately : XXXX XXXX XXXX XXXX, inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, inquiry date - XX/XX/XXXX XXXX, Texas - inquiry date : XX/XX/XXXX XXXX XXXX a part of XXXX ; XXXX XXXX XXXX, XXXX Texas, Tx XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MT XXXX date- XX/XX/XXXX. I did not authorize nor do I have knowledge of these inquiries. 15 U.S.C 1681 section 602 A. states I have the right to privacy
Product: Debt collection

I have not been contacted by the company or received any validation of debt. I have attempted to contact this company multiple times to request validation of debt that is supposedly owed. This company also operates under SYndicated Office Systems. On XXXX report, they will report the account under Central Finance COntrol and another report they would report under Syndicated Office Systems. This company uses inaccurate addresses on the credit so that a consumer can not contact them to requested documentation for the said debt. Multiple attempts have been made where the company has recvd my certified letters and no response has been given to me. Some attempts have been made and my certified letters have been returned. I have given this company more than enough time to provide me with the proper validation of debt with no response and no documentation. I am requesting this company removed their accounts and their partner Syndicated Office Systems from my credit reports immediately.