23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX of 2016 I started to receive letters telling me I'd face criminal prosecution if I didn't pay the debt in full. They followed that by calling me a piece of XXXX XXXX   and you're all alike. Since then they have sent threatening letters to my place of resident insinuating I would face legal ramification if I did't pay {$2000.00} immediately to them even though the courts instructed me to pay the state of Pennsylvania. I recently had an influx in my bills and am giving them XXXX per month from XXXX more letter. I was trying to be polite to give them a heads up so I wouldn't have to receive anymore threatening letters from them. Every time I receive a letter its signed with another name but in the same handwriting. I receive XXXX Benefits so I am on a fixed income and don't have the money to pay in full. They don't seem to care and I believe their modo is " We Collect No Matter What ''. Well after I just called to let them to let them know my bills went up so there forI would be making {$20.00} less a month on my payments. Prior to this they would call all night until I XXXX PM. I just want the letters to stop because in no way my judge said that payments will be to XXXX XXXX collection agency. I pay through the Pennsylvania EPay website instead because I simply won't pay this debt collector. I make the payments I can. I am trying to return the money I owe and looking for any kind of job now that I have a vehicle to use. I just want to be left alone by these people. they harass you at every turn, they use profain language, and scare tactics at all time. 
I thank you for your time looking into this I also have reciepts from all payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out in XX/XX/2022 to XXXX, XXXX, and Equifax. Here is my tracking number # XXXX XXXX XXXX XXXX XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the Law U.S. Code 1681i- Procedure in case of disputed accuracy if the completeness or accuracyof any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint on Equifax because this agency has ignored my dispute I sent to them on two different occasions in regards to 9 accounts from the same creditor that are violating my privacy and hipaa laws without my authorized hipaa release form consent. XXXX was the only other agency reporting 8 of the accounts and XXXX has deleted the items. I dont know why Equifax refuses to delete the disputed items when they have been put on notice twice. 

XX/XX/XXXX i sent Equifax a dispute expressing that a hipaa release form was never signed or authorized for XXXX XXXX XXXX XXXX to acquire my private medical information. 

XX/XX/XXXX i also sent XXXX XXXX XXXX XXXX a letter in regards to the 9 accounts they are reporting. Tracking XXXX XX/XX/XXXX XXXX XXXX recieved my letter. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XX/XX/XXXX XXXX Deleted the last remaining account on my XXXX file. 


I have yet to receive any results from equifax or a response from XXXX XXXX till this day. 

To my understanding once a modification has been made with XXXX reporting agency, they are required to send the results to not only the furnisher of information but also to notify all other consumer reporting agencies on a nationwide basis. Why hasnt equifax complied by deleting the same items being reported after receiving notice from transunion of the carbon copies. 

XX/XX/XXXX I got a updated report from myequifax website and to my surprise these items are still reporting. I have given Equifax the respectfully time to conduct and investigation properly. If they conducted a investigation properly then they would know that these items should have been deleted a long time. And if they didnt conduct a investigation then equifax is in violation for failing to investigate and reinvestigate items I brought to there attention on two different occasions. if you take a look at my recent XX/XX/XXXX report you will also notice that equifax is not even reporting account numbers on some of the items. if the account numbers are reporting then its very clear that the accounts could not be verified. Equifax knows there policy but refuses to comply to federal and state regulations. 
I can not get Equifax attention and now I am asking for your help to settle this on going matter.
Product: Credit card or prepaid card

On XXXX XXXX, 2019, I decided to make a purchase on XXXX. My decision to buy was based on the advertised PayPal Credit option to pay. I selected the option to apply for new credit with PayPal Credit and was immediately approved for a credit line of {$6500.00}. I was rerouted back to XXXX to complete my purchase and the option to use my PayPal Credit account was not available. 

I immediately sent a message to XXXX who stated the concern was not with their listing but with PayPal. I contacted PayPal Credit who told me that " internal security '' blocked the transaction. They would not give me specific details as to why the transaction was blocked nor would they allow the transaction to be whitelisted and approved. 

I told the representatives that the sole reason I applied for this credit was to purchase the item with the PayPal Credit listed as a method of payment. The representatives ( including management/supervisors ) were unwilling to assist. At this point, the entire reason I applied for the credit account was to purchase this particular item. The purchase was denied and no one will explain why ( beyond " our systems told us '' ) nor will they allow the transaction to force pay. 

The representatives stated that PayPal Credit reserves the right to approve/deny any transaction but they are not allowed to advertise their payment is accepted for transactions and then deny that advertisement. This is unfair and deceptive advertising and is an explicit prohibition of UDAAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been updating inaccurate account information to the XXXX credit bureaus for years. I have not had any accounts with this company, they have reported XXXX duplicate accounts on my report, when I notified them they advised the accounts were inaccurate and they would remove them from the credit report. They did not, I contacted all three credit bureaus and they refused to remove the information. They were not willing to send verification of these accounts to me and they advised me to contact the creditor. Please look into this and remove the XXXX inaccurate accounts from all three credit bureaus reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX  XXXX XXXX {$10000.00} XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX  - XXXX  XXXX XXXX XXXX XXXX : {$600.00} XXXX XXXX  XXXX  XXXX  - XXXX  XXXX XXXX XXXX XXXX : {$5600.00} XXXX  XXXX - XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX  XXXX  XXXX  XXXX  XXXX - XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This account with Credit Corp Solutions is not an accurate account. This account was opened by my older half brother. I have been making payments on an account that I never did opened. I'm not sure why I didn't really notice this before agreeing to make payments. I have already filed a dispute and complaint against XXXX XXXX XXXX XXXX which is what this company represents.
Product: Credit card or prepaid card

After struggling for years to pay off a credit card with Discover, I called to discuss options regarding interest. The interest rate is so high ( 28 % ), that all of the money paid each month went directly to Discover, not my principal. I have paid back the amount I borrowed several times over, but my balance continues to grow because of the interest. After multiple calls to Discover, my lawyer had to help with discussions. On XX/XX/XXXX, they eventually offered to allow me to pay 70 % of the balance with XXXX interest if it was paid within 3 months. This would be XXXX for me. I declined as I didn't have the money for a large lump sum. I later found the means to pay this amount. My lawyer called Discover on my behalf to accept the proposed deal after the XXXX of XXXX holiday, as the department needed was closed each day for the rest of XXXX. When my lawyer spoke to them, he was told to submit paperwork, and wait 5 business days to call back once the files were on my account. He called back XX/XX/XXXX and they refused to honor the agreement made claiming that was a XXXX offer and was no longer available. 
They would rather I file bankruptcy, go to collections, or presue legal action against me etc, then resolve this debt. Their customer service is atrocious. It has been a constant run around. Each representative, supervisor, and lawyer, I have spoken to has had a different story. No notes were taken in my account for any of the many calls made over the past 2 weeks. My lawyer has requested the recorded call be pulled and reviewed from the original offer. They have refused.
Product: Credit reporting or other personal consumer reports

Due to the Privacy Act of 1974 The laws I will post represent the Inquirys that must be removed immediately!! 
From all XXXX credit profiles Experian XXXX XXXX you can see that the XXXX dont match up So here are the laws! 


Hard Inquiries ( 15 U.S. Code 1602p ) from all 3 Late Payments ( 15 U.S. Code 1666b ) from all 3 Charge Off 's ( 15 U.S. Code 1601 ) means certificate of in debitness that means money So I need all these that are charged off to say paid as agreed Repossessions ( 15 U.S. Code 1601 ) I also see yall still have non mailable address on there they must be removed!!!

All this must be removed my credit should not have any inquirys or anything old on my credit that hurts it Also will send law suit if its not handled they owe me for all the times I got denied!
Product: Debt collection

Dear XXXX, I'm writing this letter to complaint Zombie second mortgage debt collectors come back to threaten foreclosure my house In 2008 I filed bankruptcy in L.A. and I believe my second mortgage ( XXXX ) have been written off or forgiven, the last payment I made to them was in 2008 since then the mortgage company gone silent or no communication for long time last week I received notice pf default and intend to foreclosure letter from debt collector said I need to pay {$150000.00} or foreclosure my house CFPB issued guidance to protect homeowners from zombie second mortgage please help me out and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint begins with some hard inquiries I encountered on my credit report. Total of 9 hard inquiries.

Banks that showed up on my report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In the end of the month of XXXX continuing to the beginning months of XXXX. XXXX I recently started a XXXX business in XXXX ( XX/XX/22 ) and have not established any business credit. I believe these hard inquiries are fraud and should be taken off my credit report. I am well aware on how to manage, spend, and keep my utilizations low in order to build proper credit without applying too many unnecessary debt.
Product: Mortgage

On XX/XX/XXXX, I applied for a mortgage loan ( refinance ) with American Internet Mortgage XXXX Inc. ( AIM Loan ). AIM Loan quoted the lowest loan processing fees out of all the lenders I applied with. A few weeks after receiving the initial loan estimate, AIM Loan advised of fees for services they knew were required from the beginning, such as completion of a condo certification and the requirement for the property address to be listed on the Master Policy. I noted that since the services were required by AIM Loan and known during the application process ( when I identified my unit as a condominium ), estimates of required third party services and fees should have been listed in advance. AIM responded that these services ( condo certifications, etc. ) are usually free so the fact that there was now fees were 'material changes ' they had no way of expecting and were just notified of. AIM noted on the same day as my complaint that the appraisal for my unit had also just come in at less than the estimate I had on the application, which would also result in a 'material change ' in circumstance. What I've noticed in the appraisal report is that in addition to the date of the appraisal being incorrect, the appraisal uses lower sales comps from XXXX - XXXX XXXX, even though higher sales comps ( including one of the exact same floor plan and model in my complex ) was available for XXXX XXXX and is what I based the property value estimate in my application on. It seems the lender is influencing and justifying significant additional fees during the underwriting and closing process by falsely claiming 'change in circumstance ' events in their disclosures.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX Account XXXX XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX Account XXXX XXXX : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accuratereach background check completed on XX/XX/22 listed XXXX XXXX identified with the last four numbers of my social security number. I have never used the name XXXX XXXX. This is identity theft. I notified multiple Consumer credit bureaus regarding XXXX XXXX using my social security number approximately 37 years ago. They placed an identity theft alert on my file. I request an update be added to my file. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don & # 39 ; t understand how they usually say that these accounts are mine I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I have both personal and business checking accounts and credit cards with Chase bank- have been a customer for 10+ years. 

XX/XX/XXXX ( XXXX PST ) : I received four ( 4 ) emails from Chase that my contact information, email address, and phone numbers were changed. Note that I personally did not initiate, request, or approve of these changes. It was clear that someone had access to my account, first requested a change to my contact info and email address and subsequently changed my password. 

I was then locked out of my account, called a customer service representative through the credit card line at XXXX ( XXXX XXXX XXXX XXXX ) since the fraud department was closed and that representative helped me reset my password and gain access to the account. 

The following day ( today, XX/XX/XXXX ) I contacted Chase 's fraud department for several hours trying to understand what happened. After going back and forth with customer service representatives, they revealed that the fraudster called their customer service line, bypassed the security question ( via public record knowledge ) and was able to change the contact info without any additional security verification or measures in place. This all happened without any two-factor authentication with SMS or phone call, etc. 

The fraudster was then able to request a transfer of XXXX Chase Ultimate Rewards points to two separate accounts within Chase via phone call (! ) - again, with no notification to me or any other security measures. 

I am appalled at Chase 's lack of security within their online ecosystem and lack of protections and measures in place to prevent this. Almost all other credit card companies have better security to combat this basic fraud/scam.
Product: Credit reporting or other personal consumer reports

Complaint Against TransUnion for Failure to Respond to Dispute Letters. 

Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for their failure to respond to my dispute letters regarding inaccuracies found in my credit report. Despite my diligent efforts to address these discrepancies, TransUnion has neglected to provide any resolution or acknowledgment of my concerns. 

As outlined in my correspondence dated XX/XX/year>, I have meticulously detailed numerous errors present in my credit report, including discrepancies in personal information and inaccuracies in account data from various creditors. Despite providing clear and specific information regarding these errors, TransUnion has failed to take appropriate action to rectify the situation. 

Given the significant impact that these inaccuracies can have on my financial well-being, including my ability to obtain credit, employment opportunities, and insurance rates, it is imperative that TransUnion promptly addresses and corrects these errors.

The credit bureau is in violation of the following laws : 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b.

Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that TransUnion fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

Please find enclosed copies of my dispute letters sent to TransUnion for your reference. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX