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

I have 2 accounts with midland funding and sent them a form stating as a debtor under the fair credit reporting act they are suppose to provide me with a copy of the original creditor consumer contract that they are suppose to have on file within 30 days of me asking them to provide it for me or to be removed of my account and they haven't done so
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Dear XXXX and Transunion I would like to dispute my file due to the fact that as of XX/XX/XXXX my latest XXXX XXXX report from trans union/XXXX my score has fallen due to false reporting. 

My XXXX XXXX report says I only have 5 revolving accounts when trans union shows report over 20 revolving  account which is a big difference and causing me to lose over 30 points in 1 month. 
XX/XX/XXXX XXXX XXXX XXXX trans XX/XX/XXXX XXXX XXXX XXXX I
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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
Product: Mortgage

NationStar purchased my mortgage in 2015. In XXXX 2015 I requested a payoff. Per the XXXX loan payoff notice balance of {$23000.00}, this amount was PAID IN FULL well in advance of the XXXX/XXXX/2015 pay off date. Nevertheless, NationStar somehow claimed a {$370.00} balance due that I have repeatedly demanded NationStar to explain and provide a full accounting. All I have gotten in response is forms and inaccurate and false claims. The NationStar online " dashboard '' continues to erroneously reflect a " last payment of {$7900.00} was received on XXXX/XXXX/2015 '' and " Past due amount of {$1000.00} '' which I also requested be corrected to no avail. Now, I 'm getting billing saying {$2100.00} is 'past due ' on an unsubstantiated and disputed {$370.00} balance. Every assigned 'dedicated loan specialist ' I try to contact is never 'available ' and you get transferred to a 'new ' agent and need to start at step 1 and again explain the problem. NO ONE at NATIONSTAR will address the problem or provide the requested accountings. Now NATIONSTAR is dinging my credit rating by false reports to the credit bureaus ; I discovered the problem the hard way when I was denied credit because of a XXXX point drop in my rating to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor M and T Bank has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b states a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
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 USC 1681 Account name : XXXXXXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account XXXX : XXXXXXXX XXXX XXXXXXXX Account name : XXXX # XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  Account name ; XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX5 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 US C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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.

15 US 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, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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! I have won the dispute several times regarding no late payment due to them giving me false information regarding a payment they agreed to remove it because it was not my fault the payment was late after representative gave me the incorrect information however it has not been removed! I keep having to dispute after I WON the dispute with TransUnion! Nothing has been taken off and I have been fighting this since XXXX after I WIN every time but nothing is updated! 

XXXX  XXXX! XXXX dispute as well about late payment and it hasnt been taken off! Every time I dispute they update info with OLD info. I do not have an outstanding balance with XXXX  they are paid up however they keep reporting when I dispute that I owe {$75.00} which says from XXXX it is almost XXXX. These things were been suppose to be removed and I cant get a house or anything with it out my credit after agreeing to remove!
Product: Mortgage

I took out a home loan to purchase my house at XXXX XXXX XXXX, in XXXX XXXX, CA XXXX and requested a loan modification according to HAMP to lower my payment and have still no received a reply. According to my attorney many documents have been falsified and I would like a copy of all documentation per the FDCPA and this Qualified Written Request ( QWR ) from my Account regarding all documents I am entitled to per RESPA and TILA.
Product: Credit reporting or other personal consumer reports

I. Introduction : I hereby submit a formal complaint against TransUnion for XXXX discrimination , retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. XXXX. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : TransUnion AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : TransUnions AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. XXXX XXXX Discrimination : TransUnion AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. XXXX. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions AND XXXX refusal to do the same raises serious concerns about their practices. XXXX. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to XXXX discrimination, bank fraud, wire fraud, and RICO violations. XXXX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter becasue its CAUSING ME DAMAGES AS XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have received denial letters for credit card applications I didnt not submit JCPenney XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Last several months, I have sent in complaints because XXXX is not removing this false bankruptcy. Yet they also have not provided any documentation proving that this bankruptcy record belongs to me. Fortunately, all complaints I have sent are here on file as proof of their negligence to remove this false bankruptcy.
Product: Vehicle loan or lease

I called Santander in XX/XX/XXXX to complete voluntary repossession. It was processed and I was told they would have tow driver pick up vehicle from repair shop. I got a call month later vehicle still at repair. At this there were no storage fees being charge. Santander stayed they would have check forXXXX sent to get vehicle. They never did. Repair shop called to state they would began charging storage fees. To date they have not picked up vehicle and they continuing to report late payments on credit report
Product: Debt collection

My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Home improvement loan XXXX. 
I have signed loan for zero % when I saw statements it showed 6.99 %. So I stop payment and call my windows installer company XXXX in XXXX. They agreed to cancel the loan. I get approved the new loan # XXXX, same company Mosaic.phone # XXXX Now they are sending collections notices. That it is a 2nd loan. Which is not true. Trying ruining my credit. The loan already canceled. 
Please help me. Collection company name is XXXX XXXX XXXX XXXX XXXX AZ XXXX Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX Refuses to update correct information and not reporting correct balance to credit report.
Product: Credit reporting or other personal consumer reports

I will attach my complaint. We ( my wife and I ) purchased a couch from Raymour & Flanagan in XXXX XXXX. We took the credit application for the furniture. We provided up to date contact information on that credit app. We had only a copy of the app and awaited a payment/bill within 60 days. XXXX months have passed. We contacted XXXX twice in XXXX and XXXX to ask where our bill was. We were told the TD is processing the paperwork or they may have lost our application. Finally, we found out in XXXX that we were late on payments and our credit rating was downgraded. We contacted TD, despite many calls and found out that RaymouXXXX provided TD with contact data that was over XXXX XXXX XXXX. Neither the address nor the telephone was correct. 
Our credit rating caused us to get a high interest rate on a vehicle loan. We have never missed a payment on any credit we took out. It is completely out of character for us and would like our credit history erased by TD. It was clearly NOT our fault.
Product: Checking or savings account

This company had been charging me {$20.00} multiple times per day im overdraft fees. Its been hundreds lf dollars a week
Product: Debt collection

I have been receiving a minimum of 2 calls per day if not more. Each of my family members have also been receiving calls multiple times a day. I have emailed and mailed correspondence to XXXX XXXX XXXX, XXXX asking them to cease and desist. This debt is no longer valid as I went through a bankruptcy and they are now trying to collect it and should not. They are harrassing my family members and this needs to stop. They are threatening to sue and this debt is old debt that is no longer valid as it was charged off. 

I received this letter at the beginning of XXXX and emailed and sent letters via mail on XX/XX/year> and they have still continued calling every day since even though a cease and desist letter was emailed and mailed to them. They are still calling family members and have not stopped.
Product: Debt collection

True Accord that goes by the name of LVNV Funding sent me an email trying to collect XXXX for XXXX XXXX XXXX. XXXX XXXX XXXX me a statement for XXXX asking for XXXX which I paid them by. XXXX XXXX XXXX sent me another statement for XXXX asking for XXXX I asked who owns this account. IF True accord owns this account I was not giving credit for the XXXX and XXXX XXXX has nor rights to the account. If XXXX XXXX owns this account than I do not want to be delinquent to them If both people are trying to collect this than that is conspiracy to defraud me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to Experian, XXXX, XXXX that they are reporting in accurate inquires on my report. They refuse to remove the inquiries. They have not provided proof that I approved these inquires on my report. There are no attached accounts to these recent inquires,
Product: Debt collection

Portfolio Recovery in Ohio. I lived in Ohio over 13 years ago. I had a debt I incurred in Michigan. Taking care of my parents it was costly. Portfolio Recovery sued me in Ohio which had no idea about. 2019 then last year sent court order to my county in Michigan to sell my house then they garnished my checks. I got a lawyer to pay them back XXXX a month. 

Also receiving other letters from other collection companies saying they are the attorney general in Ohio.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed out time after time the right information of employment with Company name address phone number and still on my credit file there is wrong information of places I work for that are wrong and not the company I work for. 

Time after time the credit Bureaus create hospitals as staffing company 's as the names are not right after I have giving the right information. 

I have enclosed another copy of current and past employers with right name spell and address I want proof of the company 's on my file as right or deleted I have been sending the right info and it never gets updated as right.
Product: Student loan

XXXX XXXX XXXX took over XXXX XXXX Loans in XX/XX/2017. Since then I have been unable to access my account. I have received no correspondence since the take over regarding my account. For over a year I have tried to log-in to my account with no success. I have also tried calling customer service. Each time I receive a message or am told that the action is unavailable and to try again later, or that my account can not be found ( See attached images ). Because of this I am unable to check my account or pay my bill. It seems like many other people are having this problem as well. I can only imagine the mess this is causing, as I have been unable to pay my student loan in over a year and have received no billing information. Something is clearly wrong here.
Product: Debt collection

I am filing this complaint regarding a debt collection account with Pro Collect , Inc. I recently discovered a {$910.00} collection account on my credit report from a previous apartment complex. I was never informed of this debt by the apartment complex or Pro Collect prior to it appearing on my credit report. 
Today, XX/XX/year>, I contacted Pro Collect to discuss a resolution and inquired about a pay-for-delete arrangement. I also explained that I had never received prior notification of this debt and would have handled it had I been made aware. 
During the call, the representative ( He went by XXXX XXXX ) was extremely rude, unprofessional, and aggressive. They : Threatened me by stating that I had only two days to pay or they would take legal action, which I understand may be a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Refused to answer my questions about the debt. 
Hung up on me when I tried to explain my situation. 
Left me feeling harassed, intimidated, and in tears. 

Pro Collects behavior violates federal and state debt collection laws, which prohibit harassment, threats, and deceptive practices. Under the FDCPA, debt collectors must : Treat consumers fairly and respectfully. 
Provide verification of the debt upon request. 
Refrain from making false, misleading, or unfair threats regarding legal action. 
I request the CFPB to investigate Pro Collect for their unlawful and unethical collection practices and to take appropriate action against them. I also request that they be required to : Cease all harassment and threats related to this account. 
Remove the collection from my credit report due to their failure to notify me and their improper conduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son applied for a student loan through XXXX XXXX I did n't know at the the time my name was used as a co signer just as a reference only. there are 4 loans and only one, the last one was in my name. My son did n't pay for the loans and XXXX XXXX contacted me and said I was a co signer on his 3 loans. I said I never signed anything can you send me the loan application with my signature on it. they sent me the copy of the application that is with Navient now, and no signature anywhere with my name on it was found. I called them and they said they did n't need a signature they use the I.P. address as a signature. they told me I would have to go to the police department and file fraud charges against my son and fill out some paper work with no guarantee that I would be removed. No father wants to file charges against his son or daughter our relationship is hard enough know with him not paying the loan. I have been setting up every year with Navient payment on these loans but I feel they have blackmailed me into this position. they have also filed late payments on my credit report for bills I did n't know where over due because I was not the original name on the loan. I feel this whole student loan program is a scam no where can i get this money without signing my life away. an I.P. address only???? And you can get 100k something is wrong with this system and I am an innocent victim left to pay. 

I hope you can help me thanks for your time XXXX XXXX XXXX  Navient loan # XXXX loan # XXXX loan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! To whom it is concerned, I sent a dispute letter related to all recent inquiries that were inaccurate on my credit report to Equifax and they have not yet responded to me of any results are verified the information for me. I know for a fact that these inquiries are not accurate. Not only have they not responded to me within the 30 day window, but has not verified the information at all. Please have them to remove these hared inquiries immediately.
Product: Checking or savings account

I am the XXXX XXXX XXXX XXXX and I write my employee paychecks through PNC. When my employees go to cash their paychecks, PNC charges them a {$10.00} fee. The employees do not bank at PNC but because I write my employee checks through PNC I feel that they should not have to be charged a {$10.00} fee.