23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted CONVERGENT OUTSOURCING and indicated I needed to know how the cable company ( XXXX ) had come to the amount they were trying to collect. ( {$400.00} ) I asked for them to send me a debt validation to include how they had come up to the amount. I indicated I had every intention to pay if I could figure out the nature of the charges as I believed that the owed amount was already addressed previously. I never got the debt validation and I see that this agency reported me to the credit bureau ( XXXX  ). I contacted the agency again and they informed me that they were going to report my account to yet another credit bureau unless I make the payment in full prior to them reporting it to XXXX  as well. I asked them if they had sent the debt validation via certified mail, since they would be able to see that I never got it. They claim certified mail is not a requirement and they only send via regular mail. I have verified the correct address but I am not getting the mail. Now I have two  options, wait for the debt validation and have my credit report be affected even more. Or make the payment blindly without getting the debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps updating my credit report to show an address I have not lived at for almost 20 years on my credit report. Secondly, they have reported 20 different variations of my name. I have repeatedly provided documents to correct this matter however, the issue just keeps coming back.
Product: Checking or savings account

I contacted Suntrust to advised I had been scammed with an online loan company.  They put a block on my account. When I went into the branch the next morning the Branch manager advised Suntrust was closing not only my checking and saving accounts but my sons as well.  They had decided not to do business with us any longer.  Mrs XXXX the branch manager cut up my ATM card in the middle of the branch and advised they would not give me any of our funds from any of our accounts.  I had $XXXX money and I am a single mother of XXXX   at the time that is out of work on XXXX.  When I asked for at least $XXXX  in gas to get the kids to school she advised there was nothing they could do and told me to get out of her branch.  This is all on tape.  I have called every day for 2 weeks and no one will release out money.  It is only $XXXX.  Since this all happened we have had my sons pay check bounce back to his employer and we can’t get that money.  Cell phones have been shut off.  Car payment was late.  I have had to pawn my grandmother jewelry, my jewelry and other items in my house just to pay bills and put groceries in the house.  I also have had a XXXX XXXX due to all of this cause of all of the stress.  I do not have the money to hire an attorney to file a suit against Suntrust.  Everyone has been extremely rude. I have been yelled at and treated like a criminal instead of the victim in this situation.  I had written a check for XXXX work that has bounced and now my XXXX   won’t touch my XXXX.  I also lost a brand new job cause my car was repossessed and I didn’t have transportation to work.  Suntrust has put my family in a horrible hardship over $XXXX  freeze of my accounts! That happened on XX/XX/2019.
Product: Checking or savings account

My checking account ( XXXX ) was hit multiple times over a weekend and my bank did not reach out until the following monday to question a withdraw that I was told was denied. I was not given detail as to why it was. By this time nearly a {$1000.00} had already been stolen. That's not right. There is a way for credit card thieves to figure out your PIN. 

All through XX/XX/XXXX my account was hit multiple times and Chase never reached out. I did not have the card. Since I was hit with debit card transaction theft before, I keep the card at home and use a bank across the street where I live to get cash. So when I was alerted on the following monday at work, I had to wait until the end of the day only to find it lock up at home.
Product: Checking or savings account

Previous Complaint not answered XXXX Bethage Federal Credit Union failed to answer my question on the specific transaction dated XX/XX/XXXX for a mortgage payment issued to XXXX XXXX which was rejected unexpectantly for XXXX XXXX XXXX, XXXX NY XXXX XXXX Section 51 Block 166 Lot 8 for XXXX XXXX XXXX XXXX XXXX XXXX. The Bethpage account # was XXXX. Bethage 's excuse to not answer was as follows : " As such, we are unable to provide you with a detailed explanation regarding the specific payment referenced in your complaint. they are out of the timeframe to answer. '' Why was my payment rejected? What programming was going on between Bethpage FCU and XXXX XXXX XXXX to cause the disruption of my legitimate mortgage payment? I am resubmitting the image for a response. The name of the image is XX/XX/XXXX payment rejection.XXXX XXXX XXXX XXXX XXXX Illegal Soft Credit Inquiry on XXXX Report on XX/XX/XXXX File submitted : Bethpage Soft Inquiry XXXX ( XXXX XXXX ) Bethpage has also asserted that they had a right to do a soft inquiry into my credit report for their own made up version of the Fair Credit Reporting Law " The soft credit inquiry described in your complaint was associated with your Home Equity Line of Credit ( HELOC ). Financial institutions, including Bethpage, periodically conduct soft credit inquiries to evaluate continued credit worthiness of existing tradelines. Given the charged off status of your HELOC, you should no longer see soft inquiries appearing on your credit report from Bethpage. '' The statutory requirement for removal of information is seven years which was completed in XXXX and I had not applied for any financial product from them in XXXX or any time previously so Bethpage did not have a legitimate excuse under FCRA to invade my credit report through XXXX. 

The Bethpage account manipulator and consumer law creator went on further to say the following. " Please be advised that soft inquiries do not impact your credit score, which is also indicated on the documentation you provided. Although you mentioned in your complaint that you had a credit freeze on your credit report, credit freezes dont block all access to your credit report. '' False statement by Bethpage, their access was illegal and should not have been permitted. With respect to " soft inquiries do not impact your credit score '' is no excuse to invade financial privacy under FCRA. It is a blanket statement utilized to tell the American public we are invading your privacy but don't worry about it.

Bethpage Federal Credit Union is in violation of the FCRA and I do not know the consequences and intentions behind their action?

" 15 U.S. Code 1681n - Civil liability for willful noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ''
Product: Debt collection

On XX/XX/XXXX  there was an account opened under my name for the amount of {$2200.00}. I was contacted by the creditor regarding payment. I explained that the account was opened fraudulently under my name and that the loan was not mine. They mailed me papers requesting a lot of personal information that should already be in their possession if this loan was in fact mine. I was not comfortable sending back these forms with all my personal information including birth date and social security number. The account was charged of and placed in collections. I am now being sent collection letters from a different creditor that bought the debt.
Product: Credit reporting or other personal consumer reports

My credit has been frozen for around XXXX years with all three bureaus. On XX/XX/year> I was notified that a student loan had been opened utilizing my information. This loan was not for me. They had not done an inquiry on my credit. I disputed the loan with the school that opened it ( XXXX XXXX ) and XXXX XXXX XXXX ( XXXX ). I filed a police report. I filed with the IRS and XXXX, I placed a security fraud notification on my frozen credit files. In early XX/XX/year> I received a notification from XXXX that I had been included in a breach that matched the timeframe that this identity theft activity had begun. That same day, the XXXX loan posted to my credit report. I disputed it with XXXX and followed up with XXXX, who asserted that they had closed the loan, there was a XXXX balance due, and that it would drop off my report. Then I received a letter from them stating that it would remain on my credit report as part of an FCRA decision, and XXXX closed the dispute based on the FCRA decision, leaving it on my report. I have re-disputed, but the decision to leave it was based on " demographic match ''. Of course it matched. It was identity theft. They used MY identity to open it, so it really should match, right? I'm trying to recover from this as well as other recent credit card transactions that aren't mine, etc., and I would really like this to be removed from my credit report, as the parties involved have all agreed it was identity theft.
Product: Payday loan, title loan, or personal loan

Searching for a bank line of credit in XXXX the site referred me over to One Main Financial, after filling out the information I was informed One Main was not a bank and that the numbers quoted were incorrect. I was not aware of what or who they were because they seem to conceal that they are a title loan company, After talking to them and realizing this was not what was advertised I requested that they remove the hard pull being that it was done by misleading me into believing they were an actual bank with credit cards and lines of credit. I was told by them I'd have to file a complaint with the credit bureau. 

I then asked if they actually do title loans for {$9500.00} as that is the amount they claimed to be able to loan or extend and they said no, they only do title loans for {$1500.00}, which again is not what was stated by lending club or them, this was all revealed after the hard pull, so they said one thing and are doing something entirely different. 

When I asked about the {$220.00} a month for {$9500.00}, and 13 % apr, they said no its $ 34 %, the whole thing was designed to lure in people who are not asking the right questions.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the outcome of my recent disputes regarding inaccuracies on my credit reports. The consumer reporting agencies ( CRAs ) have indicated that the creditors have " validated '' the accounts in question. However, I am submitting this letter along with proof of Metro 2 compliance violations, which highlight inconsistencies and inaccuracies that demonstrate these accounts could not have been properly validated.

Accounts in Question are attached to this complaint Inconsistent Reporting Across CRAs : The reported accounts contain inconsistencies in key data fields, such as the balance amount, date of first delinquency, or payment history. This is a clear violation of Metro 2 compliance, which mandates uniformity in the reporting of credit data under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). 

Lack of Proper Validation : The FCRA obligates CRAs to conduct a reasonable investigation of disputed information. Given the attached evidence, it is evident that the investigation conducted was inadequate and failed to resolve discrepancies.

Failure to Correct or Delete Inaccurate Information : Pursuant to FCRA 1681i ( a ) ( 5 ), if an item is found to be inaccurate or unverifiable, the CRA must correct or delete the information. The CRAs reliance solely on creditor validation without addressing the evident inconsistencies violates this provision.

Metro 2 Data Reporting Standards : The Metro 2 format requires that data be accurately and consistently reported across CRAs. Attached, I have provided documentation showing that the accounts in question are non-compliant with these standards, which further calls into question their validity. Applicable Laws Supporting My Claims FCRA 1681e ( b ) : CRAs are requir
ed to follow reasonable procedures to assure maximum possible accuracy in the consumers credit report. The inconsistencies and errors identified clearly violate this section.

FCRA 1681i ( a ) : When a consumer disputes information, the CRA must perform a reasonable reinvestigation. The lack of effort in resolving the discrepancies outlined herein suggests non-compliance with this requirement.

Fair Debt Collection Practices Act ( FDCPA ) : If the creditors reporting these accounts are considered debt collectors, their failure to validate these accounts may also violate 15 U.S.C. 1692g, which requires validation of debt upon dispute.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX FIN : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXX A+ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Accounts on credit report 1. XXXX XXXX {$550.00} 2. XXXX XXXX XXXX XXXX XXXX {$210.00} 3. XXXX XXXX XXXX XXXX {$43000.00} Inquiries 1. XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I contacted XXXX XXXX to determine why they placed an account on my credit report and damage. My report in the account was already paid on XX/XX/XXXX this account was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT REMAINS NEGATIVE ON MY CREDIT REPORT, IT IS REALLY AFFECTING MY CREDIT 'S OVER-ALL HEALTH. XXXX  XXXX XXXX IS AN ACCOUNT FROM 2014, I WEN AHEAD AD DISPUTED THIS SPECIFIC ACCOUNT SEVERAL TIMES BEFORE AND NOTHING WAS DONE ABOUT THIS MATTER. 
NOTHING HAS BEEN DONE ABOUT IT, NO ACTIONS HAVE BEEN TAKEN BY ANY OF THE COMPANIES IN WHICH ARE IN CHARGE TO LOOK AT THIS ACCOUNT. FOR SOME REASON I FEEL IGNORED AND I FEEL I HAVE PUT ALL EFFORT INTO REMOVING THIS ACCOUNT FROM MY CREDIT REPORT. LOOK INTO THIS AND LET ME KNOW IF THERE IS SOMETHING THAT HAS TO BE DONE IN ORDER TO GET THIS NEGATIVE ACCOUNT REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity have been used without my consent to open fraudulent accounts I have not authorize anyone to use my Personal Information. I'm highly upset that someone would try to destroy me. please help me to resolve this situation. 
Thank you.
Product: Mortgage

Hello, I have a mortgage with Sierra Pacific mortgage company.   On  XXXX    XXXX   I have received my annual tax and interest statement for {$9700.00} and I filled my  XXXX  tax return based on the above statement, than last month I received a revised statement for {$10000.00}. I contacted the company who prepared my tax returns and they advised me to amend my return and the amendment cost me {$150.00}, I emaile d Sierra Pacific for th e cost but they rejected my request.   On  XXXX / XXXX /  XXXX   I sent them another email but so for they haven`t respondent.   I hope CFPB solve the matter for me.   Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Debt collection

There are 4 different accounts reporting on my credit report that do not belong to me and are from identity theft. All four of the accounts are from LVNV FUNDING LLC.
Product: Payday loan, title loan, or personal loan

XXXX XXXX established a loan with One Main Financial. Due to personal circumstances including the finalizing of a divorce, he became behind on payments. In the winter of XX/XX/XXXX, he was offered a settlement amount of {$1300.00} which was pain in XX/XX/XXXX. A letter, which unfortunately was lost in changing housing situations, was received documenting the account as paid in full. No further communication or efforts to collect the debt were received from OneMain Financial until XX/XX/XXXX. 

After repeated phone calls without messages - sufficient enough to disrupt his work day - XXXX spoke to a representative who then stated XXXX was months behind on payments. The representative failed to identify himself appropriately. When XXXX disputed the information verbally, he was advised that payment needed to be made or further debt collection practices would occur.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not owe any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 

Please address this matter promptly and confirm the removal of the disputed entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX o XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX o XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX o XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$720.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$640.00} XXXX XXXXXXXX Balance : {$530.00} XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Mortgage

Hi I was approved for the haf program back in XX/XX/2022. I been on a COVID forbearance since I got approved and that was going fine until the month of XXXX my payments started not getting posted. I spoke to haf and they told me they were mailing them electronic and my mortgage company was cashing the checks but not applying them to my account. I have all 3 tracking numbers and checks were cashed and I call daily with my haf case worker and my mortgage company which is uwm only gives us the run round and puts us on hold. They say the dept that handles the haf doesnt have a phone number only emails sent from with in. I dont know what else to do. My forbearance ends this month and Im behind 3 months with a negative escrow. All because uwm wants to mess up my credit and steal my haf payments. This sounds like a scam to put me in foreclosure and mess up my credit. Please help