23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX file a suit XX/XX/XXXX for which I hired a lawyer but they continue to call several times a day for a whole year now, even after they were notified of my legal representation. They purchase a credit card from synchroni bank that supposed to be close. Yet I got no chance to dispute and they added interest for about a year. Attended court I had no prove of payment since it happened in XXXX and I had closed the accounts I paid with, judge ruled against me, yet they still calling my cell phone. I have a XXXX child, still they harassed me constantly, during doctors appointments, hospitals visit or clinic treatments or therapy. They wont identify themselves as debt collectors and say it is a personal business matter or the representative just says their name as is a personal call, they even called my daughters cell, who is a minor to ask her where I can be reached, when would I be available, etc. One thing struck me is the day of the trial, pretty much every one there had a case against XXXX XXXX XXXX. It seems to me that they all were Encouraged to settle. Some people didnt even got notice, I got my notice less than two weeks from trial and it is supposed to be at least 45 days. So I did not had much time to prepare since my son had been sick all week with XXXX XXXX and XXXX 
I had other credit cards before that I had paid and closed. But never had to fight with a company to close my account. Still they left it open so it could accrue interest, because I told them I can access the credit card, I could not use it in the store or pay any balance. I had to call the credit card customer service to make the last payment to closed the card but it never happened. I had tried disputing it but paperwork was never file.it was all done by phone. Currently I am considering filing for bankruptcy ... once I paid for my house I have all this creditors calling me with any debt I ever had as old as twenty years old. XXXX XXXX XXXX had also called with a debt from a XXXX XXXX credit card that I had over ten years ago, that cant possibly be legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On    XXXX   XXXX   XXXX   I  called Transunion to get credit inquiries removed from my credit report which were posted in error. I tried to get the customer service representative to help, but the person would not help and take care of the negative inquiries reporting to my credit report. My name is  XXXX   XXXX  and I live at  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  MA  XXXX , and the my social is  XXXX . The following inquiries should be removed :  XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : XXXX XXXX XXXX Account # XXXX and Account # XXXXXXXX XXXX XXXX XXXXXXXX has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. 
I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
TransUnion is a consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by XXXX XXXX XXXX, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition. 
Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, TransUnion, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to TransUnion, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked. 
The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). TransUnion is not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning matter regarding inaccurate information reporting by credit bureaus. 

XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX  XXXX, MA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Employers : XXXX Experian : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit file. I requested this information to be removed and they were never removed. I will like this information investigated and removed ASAP. 
1. Bankruptcy XXXX XXXX is listed against me. I contacted the said court and they told me there is no bankruptcy listed against my name and social security number.

1. XXXX listed missed payment to my account I do not have any such account ever in my life and I have asked the said institution and they do not have an account with my name on it but still credit agencies will not remove it. 
XXXX. XXXX XXXX XXXX XXXX missed payment I had an account with them but I did not missed payment for 30 days but they reported me to the credit agency they told me they have corrected the record but agencies still holding it against me.
Product: Bank account or service

A reversal of credit was posted to my account without my permission. I bought items from a vendor, the products received was only partial quantity. ie : XXXX pieces of an item and I received XXXX pieces and XXXX pieces of an inferior product. 
I disputed this issue with the vendor and vendor would only refund if I sent back the inferior product at my own expense. 
Doing so would only decrease my refund substantially, when I DID NOT order the inferior product in the first place. Their mistake and I should not pay. 
One later, Credit Card company reversed the credit and charged me the full amount of {$550.00}. 
After XXXX letters to Credit Card Company, this issue has not been resolved and I am advised I have no other recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Law ( 15 usc 1681a2 ). All three credit bureaus have been falsely reporting an account XXXX XXXX XXXX that should not be in my credit report. I have never done any business with this company ; nor did not give written permission to have this account furnished in my credit report. 

XXXX XXXX TransUnion XXXX XXXX XXXX
Product: Debt collection

recieved call on XXXX/XXXX/16 from MIDWEST RECOVERY SYSTEMS telling me that the local district attorney office had a warrant for my arrest and would be arrested and sent to jail today for a pay day loan check that is 11 years old.of course no one came and was only a scare tactic. the DA told me they dont take payday loan cases by texas law.
Product: Credit reporting

There was a student loan taken out in my name for XXXX XXXX XXXX XXXX in 1992 and I was living in XXXX XXXX at the time where there was no such school. XXXX had an address code linked to that loan and it was not linked to any addresses that I had lived at. A police report was filed and an affidavit was sent to the Dept. of Ed. accordingly. XXXX has properly removed the dispute, but Equifax has not and claims that are forwarding the paperwork to other creditors. A third party collection agency, XXXX XXXX XXXX, is now demanding payment, and they were sent the same ( police report, affidavit to Dept. of Ed ) but is now demanding paperwork all the way back to 1992, that no longer exists. With the Readings of both 15 USC 1681 et seq and the Fair Debt Collection practices Act, I have submitted all that is required under Federal law to eliminate reporting of this debt and this collection agency is demanding paperwork that exceeds the requirement of the IRS, which is the gold standard for such retention. Inclusive of requiring expenses that would put me in hardship as I am on a fixed income.
Product: Debt collection

There is a debt collection company by the name of XXXX   on my credit report. I have been in contact with them and the bureaus in an attempt to find out what this collection was for. All I can find out was that its fro a apartment that I did live at, XXXX XXXX, but I did not break my lease or leave the apartment in a mess. However when I originally signed the lease I requested that the carpet be replaced as it was dingy and had balled spots. Now I believe that they are trying to back charge me the {$500.00} for the upkeep of there complex. If I would have known they were going to back charge me I would have never moved in.
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-Debt 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 XXXXXXXX and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items XXXX  XXXX XXXX BALANCED {$680.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX ) XXXX BALANCED {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX BALANCED {$160.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$1800.00} XXXX XXXX BALANCED {$0.00} XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Mortgage

As the owner of the property XXXX XXXX XXXX, TX XXXX. 

I only need one Flood Insurance Policy. 

My Mortgage company ( First Tech Federal Credit Union ) made a mistake to pay premium for both insurance companies for the year XX/XX/XXXX-XX/XX/XXXX.

I made a complaint and advised them that I was trying to cancel one of the flood insurance and requested them not to send payments to both Insurance companies. 

However, they continue to pay premium for both insurance companies for the year XX/XX/XXXX-XX/XX/XXXX. 

My home is in the flood zone, so the mortgage company automatically deducts escrow money from my checking account. I have no way to stop them
Product: Payday loan, title loan, or personal loan

XX/XX/2023 I received XXXX And they have me as I borrowed XXXX. 
Not right im on a fix income
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX 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 PREMIUM CREDIT BUREAU 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: Checking or savings account

I contacted Capital One this morning, XX/XX/year>, at XXXX EST when I noticed that my paycheck was not available. I waited on hold for 27 minutes before hanging up and heading to work. While at work, I reached out to Capital One via their XXXX XXXX XXXX account at XXXX XXXX. They responded and explained, " We're currently experiencing a tech outage impacting a variety of functions. We apologize for the trouble, and we appreciate your patience as we work to restore functionality. '' It is currently XXXX EST and I am still missing my paycheck in the amount of {$3800.00}. 

I need to pay my mortgage. It's already late and this is creating a very difficult situation for me. I have not received any information from Capital One and they have not made any attempt to contact their customers to provide updates. 

We are approaching a holiday weekend, and I am unsure of when I'll receive my paycheck. This is unacceptable.
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 : XXXX : [ XXXX XXXX XXXX XXXX XXXX ] XXXX : XXXX XXXX XXXX ] [ XXXX XXXX XXXX : [ XXXX XXXX ] [ XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX service. I read my 3 bureau credit report this morning, and then realized some information was incorrect on my transunion report. I followed TransUnion 's prompt to create an account in order to update my employer ( although I soon found out this isn't available online ). During the context of verifying my identification when creating an account, I shared my credit card information ( I thought this was similar to surrounding questions asking about past and current addresses, etc. ) I then received an email receipt saying that I had been charged {$24.00}, and would be charged {$2400.00} each month for a year -- {$27000.00} total, all for credit reporting!!! I immediately canceled and sought a pathway to reach a human to ask for my {$24.00} back ( {$27000.00} per year should be illegal! ) I called Transunion 's hotline, XXXX for 21 minutes and was given a number to call for subscription services, XXXX. This was a fake number! It's " not available in my area. '' Transunion is running a short grift trying to bankrupt Americans during a pandemic and they should be shut down
Product: Debt collection

I don't recall having a contractual relationship with CONTRACT CALLERS INC Account Number : XXXX.
Product: Mortgage

We submitted a CFPB complaint regarding the status of our mortgage and the fact the we requested additional forbearance due to Hurricane Ida. Their response says " The above referenced account was previously under forbearance from XX/XX/XXXX through XX/XX/XXXX and again from XX/XX/XXXX through XX/XX/XXXX. If you wished to be reviewed for forbearance again you will need to contact the number listed below. The initial forbearance letter is enclosed. '' We requested an extension of the forbearance on XX/XX/XXXX ( as instructed by SLS ) and got a response on XX/XX/XXXX that the request was forwarded. Then we heard nothing back. When I called in to see the status the agent I spoke with made it sound like it was too late -- which made no sense to me. If this had been addressed correctly we would not be in this position. As a XXXX XXXX mortgage we are able to get 18 months of forbearance in total -- the additional 6 months is what we are asking for. This would move our payment due date from XX/XX/XXXX to XX/XX/XXXX. We will gladly pay the full amount from XXXX, XXXX, XXXX and XX/XX/XXXX to have our mortgage to be reinstated. All we ask is that SLS honor the timely forbearance extension request. I am attaching the letters.
Product: Credit reporting

I had past due child support put on my credit file in 1996 in the amount of {$60000.00}. That amount has grown to {$130000.00}. I have not made payments on it. The Illinois Dept. of Healthcar contines to move the activity date forward ( and has for 20 years ) to the present month to assure that this never falls off my credit file. 

The Fair Credit Reporting Act provides that an item must drop from the file 7 years from the first date of delinquency preceding the charge off ... that means this item is 14 years past its obsolescence date and clearly out of compliance with federal law. 

I disputed this and Experian left it on my file.
Product: Payday loan, title loan, or personal loan

I live in Georgia and here is the Georgia law that I was unaware of, The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In 2004, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in May 2004, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year. 

Usury laws limit the interest rate amount a lender can charge. In Georgia, a licensed lender can not charge more than 10 % interest on a loan of {$3000.00} or less. Most states have a usury limit ; if you were to borrow money from an out-of-state lending institution, that states cap would apply. Bear in mind that these rates may differ from Georgias rates. 
They do NOT hold any type of Georgia license.
Product: Credit reporting

I have asked Transunion to update info, they stopped on XXXX 2015, it is now XXXX, we have made all payments on time, please help with XXXX XXXX account # XXXX
Product: Checking or savings account

Wells Fargo has opened a checking and a savings in my name and ran my credit for a credit card without my knowledge and signature, I have filed a police report about this situation and have hired an attorney to represent me, I have went to Wells Fargo about this before and was hung up on and told I was a liar but I did provide documentation to show that my information was used illegally without my permission, I will carry Wells Fargo to court and sue Wells Fargo for illegally opening a checking and savings account in my name and they also tried to open a credit card in my name all facts have been turned over to my attorney, I try to report this to the store manager and district manager and they try to offer me life lock, this was an admission to what Wells Fargo done, I want a settlement for neglige nce, fraud, identify theft, punitive damages, illegal use to check my credit report, if not re solved my lawyer will file this action I 'll take it to court, I can get more in court, this needs to be settled out of court, Wells Fargo has manipulated it 's customers and lied, this has gone far enough I want this settled
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with consumer portfolio services for over a period of 1 year. in XX/XX/2017 my vehicle was stolen. My insurance company paid the car off at whicj it left a XXXX balance on the vehicle. I was told by this company that since i did not have gap coverage hat I could set up a payment plan with them until i purchased another vehicle and i could renegotiate the payment terms. I was told that! could pay {$100.00} per month to preserve my perfect payment history with them and at that time moving forward they would not put any past due or late payments on my credit reports. Well after i made my first {$100.00} payment, 30 days later I was marked with a 30 day late on my credit reports. I called and talked to several customer service reps to no avail. I was only told then that " why would I think that I could preserve a perfect payment history by only paying {$100.00} on a {$380.00} car note. I told them once more I dont even have the car it was stolen and never recovered and i just wanted to make some type of payment arrangements to pay this balance however I cant afford to pay {$380.00} and also a new car note too and I was told they couldnt help me
Product: Debt collection

XX/XX/2023 Personal and SensitivePrivilegeNot for Publication MEMORANDUM FOR THE RECORD ONEMAIN HOLDINGS, INC. ( dba ) OneMain Holdings , Inc.

c/o OneMain Financial Group , LLC ( formerly known as ) OneMain Financial of America , Inc . 
Attn : Privacy and Identity Protection Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NOTICE : REFUSAL TO PAY BILLING ERRORS MISAPPLICATION AND OVERBILLING ; DISPUTED PAYEE IDENTIFICATION ; FAILURE TO PRODUCE RECORDS IN CONNECTION TO CREDIT REPORTING XXXX XXXX XXXX WITH XXXX XXXX XXXX ACCOUNT NO. XXXX [ AS OPPOSED TO TRANSACTION HISTORY SEARCH RESULTS ] Dear United States, Consumer Financial Protection Bureau, I am reaching out to bring to your attention a matter of utmost importance. Today, I notified ONEMAIN HOLDINGS, INC. about my refusal to pay due to several alarming discrepancies. The attached notice, dated XX/XX/2023, provides a comprehensive account of the issues, including billing errors, misapplication and overbilling, and contested payee identification. Furthermore, the company has failed to produce records linked to the Credit Reporting Agency tradelines for my XXXX XXXX XXXX Account No. XXXX. I am particularly concerned about the differences observed in the transaction history search results vis-a-vis the specified account receivable. 

I believe that forwarding this notice to federal regulator agencies, such as Consumer Financial Protection Bureau, is essential. I aim to shed light on practices that may jeopardize consumer rights and the principles we entrust financial institutions to uphold. 
I kindly request your immediate attention to this pressing matter. If any additional information or clarification is needed from my side, I am readily available. 

Thank you for your understanding and assistance. 

Sincerely, I am XXXX XXXX XXXX of Indiana state, All Rights Reserved without Prejudice