23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Friday XXXX XXXX around XXXX XXXX from Coastal Credit Auto loans threatened to destroy my credit and garnish my wages if I did not make an arrangement to settle my debt with them even when I stated several times that I was calling to make arrangements on settling my debt. He went on and on about when I bought the car how I was making the payments up until two months ago and it was not his fault that I was in an accident and that he was going to make sure that over half of my wages be garnished and how would I like that? When I asked him if he was threatening me he laughed. This back and forth kept on until I finally asked him what he was going to do? Either he was going to sue me or take my arrangement? He said that I better not bounce the check on XXXX XXXX or they were going to garnish my wages. Per federal guidelines this is unacceptable. I felt threatened and bullied into arranging a payment that I can not afford. I am seeking your assistance in the matter first before taking other legal actions. This is not my first threatening encounter with representatives at coastal credit company. Approximately two weeks prior to this phone call another representative from the company, XXXX, did the exact same thing. I hung up on him after he said that he was going to report to the credit bureaus that I refused to cooperate with the company and I refused to pay. I told him that his conversation was recorded and that he was lying and I will no longer communicate with him unless its in writing. I have yet to receive a letter from Coastal Credit company stating that they are suing me for the balance. I only have received threatening calls.
Product: Debt collection

on XX/XX/XXXX P & B Capital texted me I requested them to stop on XX/XX/XXXX P & B Capital texted me again but from a different phone number I requested them to stop on XX/XX/XXXX P & B Capital texted me again from a different phone number I asked them stop on XX/XX/XXXX P & B Capital texted me yet again from a different phone number Also in XXXX I spoke with a gentleman with P & B Capital group we discussed the account I explained my situation that was currently going on, the gentleman got very belittling, condensing told me I needed to grow take responsibility for my debt and make a payment in the amount of his choosing or I would be sued and the judge will garnish my wages, and then I can tell my XXXX story to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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

In XX/XX/2019 I received an email from Veterans United Home Loans stating my file ( case ) was closed. I sent and email back that also went unanswered : What a horrible  service! I never talked to anyone. My messages were never answered. I never received a letter. What a waste of time. This company got my information and I got nothing. Asking this company to delete my information would not bring justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX; submitted a dispute regarding Equifax not adhering to my consumer rights and correcting incorrect information on my credit report. Prior to that I had submitted two disputes with Equifax for requesting my information be corrected. The first time I sent out letters requesting the errors to be corrected was on XX/XX/XXXX and then again on XX/XX/XXXX. I advised CFPB of this violation and that all three bureaus had the incorrect information and was refusing to comply and fix the issue by submitting me stall letters asking me verify my information and accusing me of using a third party. If you refer to complaint # XXXX for Equifax that was submitted to your organization on XX/XX/XXXX ; I uploaded the letters I sent out to all three bureaus and the stall letters of requesting me to verify my identity ( which I did twice with a recent bill and my driver 's license ) and a second stating that I was using a third party or credit repair. 

I have now attached another letter that Equifax is using to stall. We are well past their time to correct these errors and my next step is to file a suit as my rights are continuously being violated. I have since received another later from Equifax requesting me to yet again verify my identity. How many times must I submit the same information? Who is collecting this information? Is this not a privacy violation? Please looking into this matter. They now have 10 days.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report, as provided under my rights by the Fair Credit Reporting Act ( FCRA ) Subsection 605b and 15 USC 1681c-2. Recently, I reviewed my credit report and identified items that I believe to be inaccurate or the result of fraudulent activity. In accordance with FCRA Subsection 605b, I request that these items be blocked from my credit report. As specified, the consumer reporting agency is required to block the reporting of information identified as a result of identity theft within four business days of receiving proof of the identity theft. Please investigate this matter and correct or delete the disputed item ( s ) as soon as possible, and provide a written confirmation that these items have been blocked from my credit report. Additionally, I request a copy of my updated credit report reflecting these changes. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX that you, the XXXX 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 a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$680.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. 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. 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 # ( private case number ) 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: Credit reporting or other personal consumer reports

Re : Request for Removal of Unauthorized Inquiries and Account from Credit Report Dear Trans Union Consumer Assistance, I hope this letter finds you well. I am writing to bring to your attention a serious matter concerning unauthorized inquiries and the addition of an unauthorized account on my credit report. This breach of privacy has raised significant concerns regarding identity fraud and the violation of my rights under both Texas state laws and federal regulations. 

It has come to my attention that certain creditors have accessed my non-personal information without my consent. This blatant breach of privacy is not only unethical but may also constitute identity fraud, a matter of utmost concern. I am particularly troubled by the unauthorized addition of an account to my credit report, an action I did not authorize. 

Even in situations where a permissible purpose exists, it is essential to emphasize that the consent of the consumer is still required. I want to make it unequivocally clear that I did not provide consent for the creditors in question to access my personal information or add an account to my credit report. This violation of my privacy rights is unacceptable, and I demand immediate corrective action. 

To address this issue effectively, I kindly request the removal of all unauthorized inquiries and the associated account from my credit report. I believe that taking prompt action to rectify this situation is crucial not only for my financial well-being but also for upholding the principles of privacy and consumer protection. 

In accordance with Texas state laws, I would like to draw your attention to the following codes that pertain to the protection of consumer rights : Texas Finance Code, Title 3, Subtitle B, Chapter 392 Consumer Credit Commissioner Texas Business and Commerce Code, Title 1, Subtitle C, Chapter 35 Fraudulent Transfers Additionally, I urge you to consider the federal laws that support my case : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Fair and Accurate Credit Transactions Act ( FACTA ), 15 U.S.C. 1681m I expect that Trans Union, as a reputable credit bureau, will take swift and decisive action to rectify this breach of privacy. Your cooperation in this matter is crucial to maintaining the integrity of consumer credit reporting and protecting the rights of individuals. 

I anticipate a thorough investigation into this matter and request written confirmation of the removal of unauthorized inquiries and the associated account from my credit report within 30 days of receiving this letter. 

Thank you for your immediate attention to this matter. I trust that Trans Union will uphold its commitment to consumer rights and privacy. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION continues to inaccurately report XXXX XXXX XXXX XXXX information on my credit profile. I have pointed out several inaccuracies on this account to the credit bureau. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. TransUnion reports that the account was opened XX/XX/XXXX and XXXX reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also TransUnion reports the last date of activity as XX/XX/XXXX and XXXX reports it as XX/XX/XXXX. How could this be possible? Also XXXX reports the terms of repayment as 1 month and TransUnion reports as 0. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.
Product: Credit reporting or other personal consumer reports

I am writing this complaint regarding Experians violation of 15 U.S.C. 1681c-2 ( Section 605B of the Fair Credit Reporting Act, FCRA ), which pertains to the prompt blocking of fraudulent information on credit reports.

I had previously notified Experian of fraudulent accounts related to identity theft on my credit report, and despite my request under Section 605B, these accounts have not been removed within the legally mandated time frame of four business days. The accounts in question are as follows : 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 XXXX Additionally, there have been unauthorized inquiries on my credit report from the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Details of the Law : 15 U.S.C. 1681c-2 ( Section 605B ) Under 15 U.S.C. 1681c-2, a consumer reporting agency is required to block the reporting of any information that the consumer identifies as resulting from identity theft within four business days.

Failure to Block Information in a Timely Manner Experians failure to remove these accounts and inquiries within the required timeframe constitutes a clear violation of Section 605B of the FCRA. This delay has caused me undue stress and negatively impacted my credit standing.

Requested Action I am requesting the immediate blocking and removal of the fraudulent accounts and inquiries listed above from my credit report. Additionally, I expect written confirmation of this action, as well as an explanation for why Experian failed to comply with the FCRA 's requirements within the legally prescribed time. 

If this matter is not resolved promptly, I may be forced to take further legal actions. 
Thank you for your immediate attention to this serious matter. I look forward to your prompt response and the necessary corrective action.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed $ {$2300.00} as of XX/XX/XXXX XXXX took phone for trade in and never credited my account. They never contacted me regarding this outstanding balance. I went to open a new account and was denied. 
Credence Collection Agency currently is the collection agency that never should have had any collection at all. This company is reporting on my credit report that I owe {$2300.00} for a phone that was returned to XXXX XXXX XXXX in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened with XXXX XXXX XXXX. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I had a credit card through XXXX who in turn went out of business and was bought by orchard bank. I filed bankruptcy in 2009 and both these accounts were listed in the bankruptcy. XXXX XXXX then sold an account that was legally discharged to XXXX XXXX XXXX. They in turn sold it to Portfolio Recovery Services, who has been harassing non-stop to collect the account. I do not owe this account and they are the ones that purchased the account that was not even valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some items still need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be REMOVED as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Student loan

After Hurricane Irma in XX/XX/2017, my Sallie Mae/Navient monthly payments are more than double. The balance I owe is for My daughter 's ( XXXX XXXX ) loan that I cosigned for. She was only making minimum payments and it affected my credit. So I made arrangements to be the sole payer on the account. This was originally a {$2000.00} loan, and there is still {$860.00} owing. The past 4-5 months, the payment has gone from around $ XXXX- {$18.00} up to over {$45.00}. Since I am retired now and on Social Securty, this became a hardship. I have emailed them several times and NEVER got even one response as to why the payment went up like that. It will never be paid off at this rate, because now I am the one making minimum payments. My daughter is unemployed, or she would help me. We live in a very small town, and jobs are extremely hard to come by. 
XXXX XXXX XXXX XXXX
Product: Debt collection

This company is violating my rights they have not provided validation information under 12 CFR 1006.34i ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

I have reached out to this company directly to get more information. They are violating my rights and i'm entitled to XXXX dollars for every violation. They must remove this account now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just applied for a home loan ; joint with my husband. My Credit Score info : " Your credit score is not available from any consumer reporting agency, because they may not have enough information about your credit history to calculate a score '' I have always had an excellent credit score, but last checked it about 6 months ago with Chase-free with my credit card account. I have a home & auto loan in my name, as well as several revolving charge cards- all with excellent credit history. 
I went to the Chase site last night, I could not log in, I went to XXXX XXXX, " no information is available at this time ''. I am sick to my stomach as what has happened?
Product: Payday loan, title loan, personal loan, or advance loan

Reference Number : XXXX We are the Consumer Financial Protection Bureau ( CFPB ), a federal government agency that enforces laws that protect consumers. The CFPB settled a lawsuit against Omni Financial, LLC ( Omni ), saying that it had illegally charged interest and fees on loans. 

On XX/XX/year>, you were sent a check that is a refund of all or part of the interest and fees you paid to Omni. According to our records, you havent cashed your check. 

If you have questions or need a replacement check, please contact the XXXX XXXX XXXX. 

Mail : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone : XXXX E-mail : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX, natural person am submitting a dispute on my own with no help of anyone, my dispute letter is attached plus proof of violations please see attachments. 

XXXX you are also in violation of 15U.S CODE 1681N CIVIL LIABILITY FOR NON-COMPLIANCE YOU ARE ALSO IN VIOLATION OF 2. 15 usc 1681 e ( B ) 3. 15 U.S. Code 1693a ) 4. : 15 usc 1681 ( a ) ( 4 ) 5. 15 usc 1681b ( a ) ( 2 ) 6.15 usc 1681a- ( e ) YOU STATED IN YOUR LAST RESPONSE : " VERIFIED AS REPORTED '' IT IS CLEAR THAT YOUR COMPANY DECEITFUL AND YOU HAVE NO LEG TO STAND ON, LITIGATION HAS BEGUN AGAINST YOU
Product: Mortgage

Homeowner sent multiple financial package to be reviewed. Lender will take over 30 days. sheriff sale was postponed due to being on review. Denied over the phone to the homeowner. Still homeowner have not received denial letter to make appeal. Denial reason over the phone the estimated new monthly payment was going to be greater that the current monthly mortgage payment. Sherriff Sale is under 30 days. Lender requested homeowner to submit new income to reevaluate her but they say will not request their lawyers for a postponement due to them telling the homeowner that she was denied over the phone.
Product: Prepaid card

Made a deposit on friday XXXX/XXXX/2015 it has not loaded to my account my direcr deposit was loaded to my acct card reflecta XXXX balance cant get no help from Rushcard
Product: Credit reporting, credit repair services, or other personal consumer reports

i called the credit bureaus XXXX, XXXX, experian and asked them to correct my credit reports. They would not they said that the inquiries were a statement of fact which is not true. They refused to investigate the inquiries.