23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is the third time I've reached this company and the second time I've submitted a complaint. They have yet to respond. 

They have reported me as delinquent on a lease that was not mine. I have provided proof back in 2021 that this debt is not mine. I have contacted the credit agencies and they have removed the debt collection ; then these XXXX  at Hunter Warfield continue to call me regarding this debt, and reported me as delinquent AGAIN. I have provided proof AGAIN, and have not heard back from these XXXX regarding this debt. 

I don't understand what is so difficult. The name does not match my name. I have provided ample evidence - a passport, my DL, a pay stub, my birth certificate. These morons even have the application that shows a DIFFERENT NAME, and yet they still insist that I am the person who needs to pay this debt.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX ) the financial institution and the Consumer reporting agencies TRANSUNION and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to TRANSUNION, XXXX, ( XXXX ) 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 given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX ) 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, other than records of convictions of crimes which antedates the report by more than seven years. '' 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. TRANSUNION and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of reporting services for the account regards to XXXX.
Product: Credit card or prepaid card

Researched balance transfer card offers. Read terms and conditions of AMEX Everyday Credit Card. Available terms online, regarding balance transfers specifically, are 12 months 0 % APR, {$0.00} balance transfer fee. Agreed to terms. Applied for card. Was approved for card. Called AMEX to transfer balance. Was notified that card has a balance transfer cap of {$7500.00}. No Terms & Conditions available online or presented during application process indicate a cap exists. Two ( 2 ) AMEX customer services representatives ( call center + supervisor ) admit that this term is not provided online. Also admitted term applies to all AMEX cards. This particular term is presented in the T & C that are mailed with the card. I would never have applied for the card if I was notified of this cap before applying. Now my credit score has taken a hit and I have to go find another card that does not have a balance transfer cap. I have canceled the AMEX. I have no use for this card.
Product: Mortgage

I am writing today because I was direct to your agency after contacting the NY XXXX XXXX XXXX XXXX. HSBC mortgage has been playing games with us for years and years. since moving from the XXXX area, we can not get any information on our loan, about fees imposed, how much equity we have in our home, and any basic question like why is the amount owed different from one month to another, we are put on hold, disconnected, told we do n't have the right department or referred to a supervisor who says they need to speak with another office, after all this we Never receive a call back or answer to that question. we know over time we have paid numerous FEES which we didn t know what they were, why they were assessed or the cost of these fees. we need help someone intervene on out behalf .... we know we have been robbed over the years and put under a unnecessary amount of pressure and fear for losing out home by representatives ... we often receive letters that tell us to pay one amount to find the letter " was incorrect '' and we should have paid another amount, never to be given an explanation as to why the error was made and then we are given more fees because of this we are EVEN unsure about what type of loan we have we do have YEARS or documentation so we did n't kno where to start as far as uploading them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau and also mailed them a copy of the letter i received from this company stating that they are no longer reporting it the credit bureau 's and it should be removed from my credit report. I sent the letters to all three credit bureaus in XX/XX/2021 and XXXX is the only bureau that deleted the incorrect information. It is still reporting on Equifax and XXXX. 

XXXX should not be reporting on my credit reports.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX XXXX ( As shown on my credit report ) hired Southwest Recovery Services ( SOUTHWEST RECOVERY SERVI as shown on my credit report ) to report to all three of the credit agencies in regards to a claim. 

In XX/XX/XXXX a then girlfriend of mine hired the roofing company to perform a service. The service went south and SHE decided not to pay the remaining amount owed. In response the roofing company filed a suit in court ( In or around XX/XX/XXXX. When the suit was filed the above mentioned recovery service called her to take care of the balance. She did not want to pay nor had the money. They then threatened that the roofing company was going to take her home. In addition, they mentioned that I was associated with the account. She said I was not and then called me to let me know what they said. I then called the county courthouse to find out if my name was associated with the case. They said NO, my name was not listed or on any of the documentation filed. I then asked my at this time Ex girlfriend for the contract signed in XX/XX/XXXX for the service. It did not have my name or contact information listed. It is my opinion, in XX/XX/XXXX the company used my license plate information to find out the information. 

I have informed Southwest Recovery Services that this filing was false and fraudulent. They have called me atleast twice a day since receiving my file. They are extremely unhelpful, disrespectful and aggressive. I am concerned about my inaccurate credit score and the nightmare I have experienced.

I received CFPB information from XXXX when I disputed this claim. They are currently working on disputing the information based on what I provided to you all ( CFPB ). I honestly don't understand how Southwest Recovery or  the roofing company received my information and was able to put this false report on my credit without proving ANYTHING!!! 

To support my claim and to validate this concern, I have copies of the agreement for their services ( Shows that I am not associated ) and the court filings that show I am not associated. 

I implore this company to take actions against Southwest Recovery Services in XXXX Texas. I can't imagine how many people they have falsely done this to. Furthermore, XXXX   suggested that I report this to the BBB. I am also filing with them also. 

Thank you for your consideration and hope to hear back soon.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$110.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I have an online savings account with Marcus by Goldman Sachs. It worked fine in the past. However, starting from the first half of 2021, I consistently had problem log into my account through all of my laptops & a desktop. Every time I went to the account log-in page using those computers, Marcus showed me a blank page. There was no way for me to log in. It has been for more than 8 months that I had challenge simply logging into my account. I called them numerous times but it was never resolved. There were a lot of frustration, even anger. They told me that it might be because of the conflict of antivirus software installed on my computer. The antivirus software I use is XXXX, which is a very popular one in the market. And NO OTHER BANK had this problem. I do not feel comfortable that I have to disable my antivirus software to log into my bank account. The most recent time when I called Marcus might be in XXXX or XX/XX/2021. I requested them to escalate my complaint and solve the problem. After that, the log-in website worked once or twice. Now I have the same problem again! I can still log into through my cell phone APP. However, I dont feel comfortable to use cell phone to log into my savings account and make transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX i had requested my credit report from XXXX and XXXX along with TransUnion to see what is on my report. I see unauthorized inquiry i never requested and XXXX is using the same id # under different companies. The company name XXXX Mortgage XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX they are sharing the same ID # with Confident XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX : XXXX this company has to do with a Car company but again they are sharing the same ID #. Along with again XXXX/XXXX loans which is located under a XXXX XXXX XXXX XXXX XXXX, Ca XXXX tele XXXX and this same ID # is listed with other companies. Cap XXXX Na XXXX XXXX XXXX XXXX XXXX XXXX, ut XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX. Now there or other ones just like this which these companies is sharing the same id no # I live in XXXX, Tx I why would i have any thing to do with all these companies from other states. I also have thought that a fraud alert was put on my account form this from happen. I am disable and have vision problem who can help me know that i have this problem on my credit report i do not understand
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 or other personal consumer reports

In accordance with the FCRA ( Fair Credit Reporting Act convergent account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose.
Product: Credit reporting or other personal consumer reports

The account was opened from my information fraudulently. 
XXXX XXXX XXXX account was opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This company has filed a judgment against me in court and garnished my wages. I need this item removed from my credit report.
Product: Mortgage

I am writing to request assistance with my current loan bill numbers with Discover loans - XXXX and XXXX XXXX XXXX - XXXX. The current arrangements on payment amount are higher than what I can currently pay. Unfortunately, I was scammed {$250000.00}, and the FBI is currently investigating the incident as a fraud case. I have attached the necessary documentation to support this claim, and you can reach out to the FBI agent in the letter attached to verify. 

Due to unforeseen work reduction, I can no longer pay the amount requested. This is solely due to the reduction in wages and the effect of the scam on my finances. The current economic situation and inflation are only exaggerating this condition. 

I have the followings requests for the duration of the FBI investigation : a reduction in my monthly payment, a lower interest rate and assistance toward monthly payment. I do not want to stop sending payments. 

However, I have XXXX  parents and XXXX  children who are solely my responsibility as a single parent. The cost of living has created a negative drain on financial resources not present during the original payment calculations of these loans. 

I look forward to your assistance in reducing such a high payment amount that does not match a reasonable payment total.
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear TransUnion, Experian & Equifax I am writing to formally dispute inaccurate, incomplete, and unverifiable information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, and to address violations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692. I request that your agency investigate the items outlined below and take corrective action to ensure compliance with federal and state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are reporting inaccurate information on my credit report and is causing a lot of hardship. I contacted them via certified mail to dispute inaccuracies and they continuously send me letters that the accounts are verified when I request proof, but they refuse to remove based on some nonfactual information.
Product: Debt collection

The following company has continued to report this false account to my credit file. This account should be removed from my credit file, I plan on moving forward by bringing this information forth to a judge in my area.
Product: Debt collection

Received written notice about collection. Immediately replied via certified letter in XXXX to verify the debt, I had no recollection and even reached out to XXXX, they had no record either. I still have XXXX services that are in good standing and paid in full every XXXX 

GC Services never responded to my debt validation request and reported the debt to my credit report on XX/XX/2022. Please remove debt since it can not be verified.
Product: Credit card

I am a XXXX XXXX XXXX  who uses an online/cloud based accounting system to run my business. I had an Elan Visa business credit card and closed it 5 months ago. I had my accounting platform linked to Elan to upload all transactions into my XXXX XXXX, which is a must for accurate accounting and tax purposes. I just found out that the link between the two was lost several months before I closed the account. Elan is now refusing to provide an electronic format of my transactions because the account has been closed more than 30 days. They acknowledge they have the transaction data in their database but refuse to provide a reason that they " can not '' provide an XXXX XXXX format spread sheet so that I can upload the transactions to my accounting system. It is not possible for me to hand enter these transactions in the online XXXX XXXX and my balance sheet and Profit/Loss statement can not be correctly produced without this data. It is beyond me why they would refuse to perform such a simple function as downloading a transaction list into a simple spread sheet format or send the past statements electronically and provide it to me. I always assume their must be a reason for any business to say " no '' to a costumer but they refused to offer any explanation what-so-ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Bank, NA, Account Number # XXXX : Account Name : XXXX Services, Account Number # XXXX : Account name : XXXX XXXX XXXX XXXX Account Number # 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.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have submitted numerous amounts of request to get an incorrect credit report corrected for months which have affected reapplying for a mortgage and have caused me to almost live in poverty due to mortgage error which refuses to rectify and repair the credit.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax Credit Bureau regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor XXXX. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax Credit Bureau has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$5600.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX XXXX {$250.00} ; XXXX XX/XX/2021.