23daVinci/CFPB_Complaints huggingface dataset:
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 Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 seven 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: Debt collection

Hello, this company is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/XXXX. However, they are reporting 2 separate dates, XX/XX/XXXX and XX/XX/XXXX. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. Its damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US Dept of EDXXXX Account # XXXX, US Dept of EDXXXX Account XXXX XXXX, US Dept of EDXXXX Account XXXX XXXX XXXX US Dept of EDXXXX 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: Debt collection

Around XX/XX/XXXX, Allied Collection started reporting a retail collection, on behalf of XXXX XXXX, to my credit. According to the report, the account is from XX/XX/XXXX, yet this is the first I 've heard of it. I do n't know what XXXX XXXX is. I have never heard of that store, and certainly never shopped there. 

I tried to look it up online and all I found was a loan company with tons of complaints about fraud and operating without a license/illegally, etc. I 'm not sure if this is the same, since loans are n't retail, are they? 

Either way, the balance has somehow increased from {$300.00} to {$380.00}, which is also odd for an account that I did n't even know existed and has been closed for five years. I 'll be honest, the whole thing is suspicious, not least of which that I never got a bill or collection notice in five years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but Experian XXXX  and XXXX are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Balance : {$110.00} Reason : Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$550.00} Reason Original Creditor : XXXX XXXX XXXX   Open Date : XX/XX/XXXX Status : OPEN Balance : {$510.00} Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$490.00} Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$11000.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$790.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX GA Open Date : XX/XX/XXXX Status : OPEN Balance : {$1900.00} Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$2300.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Discharged Amount : {$0.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Dismissed Amount : {$0.00}
Product: Debt collection

last year I filed a complaint about this debts collector, they put this negative outstanding debts on my  XXXX  report, I dispute d this debt an they remove it after I filed a complaint with CFPB. This debt was paid 1 year ago in my Doctor office they turn around an put it on my  XXXX  report. " CFPB '' complaint history you 'll see the complaint was file one year ago.
Product: Student loan

I consolidated my loans to XXXX years ago. I filled out documentation to follow a IBR plan and the public service loan forgiveness plan. The PBLF will forgive debt after 10 years of payments. I submitted the proper paperwork proving that I had approved work since XX/XX/XXXX- XX/XX/XXXX and many years after. In XX/XX/XXXX, when buying a house and asking for the PSLF credit, they told me that I could not get credit for over 6 years because my loans were not consolidated with them. THEY WERE. My loans were supposed to be forgiven according to the PSLF rules in XX/XX/XXXX, however, I only got credit beginning in XX/XX/XXXXuntil now.

My loans were consolidated with XXXX   from XXXX. XXXX was horrible and never informed me correctly of my loans and falsely informed me that I was getting credit before consolidating. XXXX  customer service reps are inept. I faxed and mailed my documentation to them and they sent me a letter with the WRONG employer on it!! I, according to their letter, could not get credit because I had not worked at the place they put on the form. I had all of the CORRECT information on the form, including address, phone number, EIN of the employer, PLUS signature of HR and they STILL put the WRONG employer in the system ... refusing to correct it and give me credit. They are not friendly when you call/contact and NEVER fix their mistakes.

I am still getting interest added on loans that should have been dissolved and forgiven by the rules and now my loans have more than TRIPLED!! The balance on my loans is more than my current MORTGAGE debt!!!!! That is ridiculous and they are taking advantage of consumers. They are careless!!
Product: Student loan

XX/XX/17 : I am writing to complain about a company who self-identified as " NCS ''. They have been calling me everyday for the last three months looking for my brother. I have asked them three times to take me off their list and told them I do n't know how to contact my brother. When I asked how they got my contact information, they refused to tell me. 

I later spoke with my grandfather, who is 94 years old, and he told me the same company called him inquiring about my brother ( his grandson ), only this time they were calling him for a " job reference ''. That is a lie. They asked him several personal questions about my brother and our family, including contact information, employment information, location information, and debt information. Thnking he was helping my brother, my grandfather gave NCS the information they requested.

I work in legal aid and sit on a statewide committee to end elder abuse. NCS knowingly took advantage of my aging grandfather, lied to him to obtain personal information he would never give otherwise, and led him to believe this was in benefit of his grandson. This alone warrants an investigation into NCS, accordingly to CA law.

Please take this complaint seriously and investigate.

I will be following up. Thank you.
Product: Mortgage

Refinance my home loan with a new mortgage company XX/XX/XXXX. First payment due to the new mortgage company was XX/XX/XXXX for the amount of {$2.00}, XXXX. XX/XX/XXXX, my monthly payment changed to {$2000.00}. My mortgage payments are set to be paid automatically through my bank, so when I checked the account on the mortgage company website and saw the change, I paid the difference of {$7.00} difference to make sure I paid the full amount. I called the mortgage to inquire why the increase, and they informed me my my home owners insurance increased that's the reason why. The escrow account will be below that threshold. I asked if I pay the difference outright will my monthly payments go back to {$2000.00} they told me yes, so I paid {$46.00} shortage. 

Now I adjusted my autopay through my bank for the XX/XX/XXXX mortgage payment, just in case, and I was right it did not go back to {$2000.00}, it stayed at {$2000.00}. Thinking it may take longer to correct, I changed my autopay for XX/XX/XXXX, back to {$2000.00} ... well it didn't. Called the mortgage company again and they said it will not change, so they lied initially. 

Time for XX/XX/XXXX payment, {$2000.00}. was paid by my bank. I checked the mortgage company website and my payment changed again, it's now {$2000.00}. Called again and the reason this time was, they paid the taxes in XXXX and the escrow account was short again, so I paid an additional {$210.00}. 

Received a letter from the mortgage company dated XX/XX/XXXX, the annual escrow statement, it had my NEW MONTHLY MORTGAGE PAYMENT SET FOR {$2600.00}. 
Ridiculous! My mortgage payment before I refinanced with this company was a little over {$2200.00}. The idea for a refinance is to lower your mortgage payment, not to pay an additional {$490.00}. When I called the mortgage and ask commented that the calculation for the escrow was to be done in the beginning to avoid this, he stated they made a mistake with the calculation. They will take no action. I am not paying for their mistake. Please help. I have all documents needed. Thank you.
Product: Debt collection

On XX/XX/2021 1st letter, and 2nd Letter on XX/XX/2021. I mailed a letter to XXXX, XXXX, and XXXX and Lexis Nexis about the Bankruptcy that's reporting on my Consumer Report about the inaccurate and inconsistencies that's on my Consumer Report. I sent a Demand to Comply and that was my 2nd notice to the bureaus. Today is XX/XX/2021 so that's over 70 days. I don't understand why I haven't received any letters in reference to my Letter. This is unacceptable and against my consumer rights. Since this has been over 30 days and outside of the allowed time for a response and they never put a notice of Dispute on my Consumer Report this Bankruptcy must be removed because of 4 of the Bureaus are in Violation of my Consumer Rights. Please remove/delete this Bankruptcy from my Consumer Profile. It's time to hold these Bureaus responsible for their errors and violations to Consumer Profiles.
Product: Debt collection

On XX/XX/2021 at XXXX PST I rcvd a robocall from ph XXXX introducing themselves as CMRI Fin Services and calling me XXXX XXXX and claiming they r collecting Agency acting on behalf of XXXX XXXX XXXX for account XXXX and referring to ph XXXX for me to call back. 
i am not that person they try to connect with and i never interacted with XXXX XXXX XXXX as a patient. Please, stop this harassments and unsolicited phone calls. i am sure these are scammers. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern on XX/XX/2023 I wrote to the credit bureaus asking them to conduct a verification of an account that is being reported on the credit report for ( XXXX ). The account name is : Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX and XXXX conducted research and determined that the account was not valid and after investigation removed the account from my report. I myself conducted an investigation and also found the account to be invalid. Equifax did respond back to me stating the account would not be removed from my report after their investigation. 

In accordance to the Fair credit Reporting Act XXXX Account XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute and Demand for Validation of Debt Under 15 USC 1692g and 1692e** Dear Equifax , I am writing to formally dispute the accuracy of information contained in my credit report. As a consumer who values financial responsibility, I am deeply concerned about the derogatory entries that have been reported by your bureau. It has come to my attention that these entries are in direct violation of the Metro 2 Compliance guidelines, which are designed to ensure fairness and accuracy in credit reporting. 
I have thoroughly reviewed my credit report, which I obtained from your bureau .To my dismay, I discovered several inaccurate and misleading items that are tarnishing my creditworthiness. The following accounts are specifically in dispute : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Compliance guidelines, credit bureaus are required to conduct thorough investigations into disputed information within 30 days. Furthermore, inaccurate or unverifiable information must be promptly corrected or deleted from my credit report. 
I demand that you immediately initiate an investigation into the following accounts and take the necessary steps to rectify the inaccuracies. Failure to comply with the Metro 2 Compliance guidelines will be viewed as a violation of my rights as a consumer, and I am prepared to take all necessary legal actions to protect my interests. 
In addition to requesting the removal of the inaccuracies, I also request that you provide me with WRITTEN documentation of the investigation results, including any supporting evidence or documents that were relied upon during the verification process. 
Please be aware that I am well-versed in my rights under the FCRA and will not hesitate to escalate this matter if necessary. I value the importance of accurate credit reporting, and I expect nothing less from your bureau. 
I have also included a complaint with the Fair Trade Commission to further support my claim with the creditors in question. 
I kindly request that you acknowledge receipt of this dispute letter within 15 days of its delivery. 
Furthermore, I expect a timely and thorough investigation to be conducted in compliance with the FCRA and Metro 2 guidelines. 
Thank you for your immediate attention to this matter. I trust that you will rectify the inaccuracies promptly and restore the integrity of my credit report. Failure to comply with my demands will leave me with no choice but to seek legal remedies to protect my rights. 
Sincerely, XXXX XXXX
Product: Student loan

I went to the school XX/XX/XXXX to XX/XX/XXXX. The school was not accredited so when I moved out of state, none of my credits would transfer. I filed a borrowers defense case with the department of education, and they put my loan in a forbearance status while the matter is adjudicated. 

The collection agency still intercepted my Federal Income tax payment to apply to the loan, even though adjudication is still not complete on my case with the Department of Education. 

I want them to return my tax refund as they had no legal grounds to collect.
Product: Debt or credit management

I called Experian to dispute and change dispute status on a few items on credit report and a representative was in the process of verifying my address when she stopped and said she didnt see my address on file and I would have to upload my identifications. I been using Experian for months and never have I had to do this she was talking over me and I requested for a supervisor and was on hold for about 20 minutes. 1. The Experian.com/uplaods do not work on my computer and I complained about that having to send things certified mail. 2. Not having my address or proper information all this time means that my disputes have not been investigated properly cause it keeps coming back remain or validated and according to FCRA sec 623 enforce FACTA 312 if your unable to perform a reasonable investigation then by law you are required to remove the negative items and information off the account. Experian has to be accountable for their actions
Product: Credit reporting or other personal consumer reports

In XXXX the primary account holder ( XXXX  XXXX ) & I were already separated since she had decided to throw me out of our co-owned property in XXXX. The account holder was liable to transfer account and be the sole owner of the XXXX account as I was going to be the sole owner of my XXXX XXXX account. We agreed in mediation with the presence of my attorney at the time. at the Law office of " XXXX XXXX XXXX " same agreement was in the decree signed by the judge. I was unaware of what I was going to have to deal with, I in XXXX of XXXX had one face to face quick meeting with XXXX XXXX XXXX, because I wanted to be courteous to inform her that Certain things would have to take a halt due to my sudden diagnosis of obstructive Hydrocephalus which also brought to light a XXXX XXXX that had been blocking my fluid sitting on my thalamus between my 3rd and 4th ventricles. That I had to focus because I was already seeing different surgeons for opinions and to choose which facility I would be getting my XXXX at. It was urgent so I didn't have much time to waste. She said ok, never said anything to me about failing to follow through with formal agreements from months n months ago. Long story short, The entire time even when I was getting a stent placed or partially having my XXXX removed, I never received nor any of my family members that were responsible for all of my bills, personal calls, etc had received any calls from either sharice nor XXXX credit stating that she had been 1 day late XXXX week late or closing in on a month late. She never said a word either so I thought she had properly transfer/removed me like she should have when signatures were placed on the document the mediator / attorney basically had put together. My surgery/ went g, ood but my recovery was not good I was supposed to be there in Maryland for a few days and ended up there for XXXX weeks and then instead of going home to XXXX they took me To XXXX  XXXX XXXX patient for the rest of XX/XX/XXXX. I can tell you If I did not write things video I wouldn't believe it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get the late payment off of me for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that i myself are submitting the request to have this late removed. I have filled for a full file disclosure and never received it.
Product: Credit reporting or other personal consumer reports

I HAVE REQUESTED PREVIOUSLY I AM A VICTIM OF IDENTITY THEFT AND THERE HAVE BEEN ACCOUNTS CREATED UNDER MY NAME BY USING MY INFORMATION. I REQUESTED THE INSTITUTION TO DISPUTE THAT ACCOUNT AS IT IS NOT MINE OR I AUTHORIZE IT BECAUSE IT AFFECTS MY CREDIT REPORT. DUE TO THAT IM STRUGGLING TO GET A CAR ETC. I NEED TO GET MY ACCOUNT DISPUTED FROM XXXX CREDIT AS IT IS NOT MINE.
Product: Debt collection

My social security number is XXXXThe collection agency called XXXX  credit collection has a collections account on my XXXX  report I told credit collection XXXX that it's not my debt but they refused to remove it off of XXXX  credit report I did dispute with XXXX
Product: Credit card

I have a TJX mastercard through GE Capital. I did n't sign up for or request to receive e-Statements. However, I somehow was told I did. This happened when I got a paper statement from a collection agency As soon as I realized that the payment was missed, I asked them why and they said I signed up for e Statements. I did n't. The email address they had on file was n't even mine. I was able to get them to reduce but not forgive the late payment fee. It did n't occur to me that I would be rated XXXX days late. Now they are telling me it 's my fault it was late since I should 've remembered I owed them. This XXXX-late is the only blemish on my credit report. I was an error on both parties -- - I guess I should 've remembered and mailed a payment ... but they still had the incorrect email address and I did n't opt in to the e-statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've sent fingerhut and all 3 credit report agencies documents showing that the account could not possibly be mine, and yet the refuse to give me more information and refuse to remove from credit report. 

account open : XX/XX/2017 balance : {$740.00}
Product: Vehicle loan or lease

On XX/XX/XXXX my XXXX XXXX XXXX was totaled. On XX/XX/XXXX, XXXX XXXX provided a payoff amount of {$33000.00}. Ally Financial accepted the amount and told XXXX XXXX to send me a check for a portion of the proceeds totaling {$1900.00} for sales tax and license / transfer fees. I received this amount via ACH in early XXXX. Farmers confirmed with me that Ally had also received their payment. I made a car payment on XX/XX/XXXX. I followed up with Ally and they told me the account was going through accounting and not worry about the account any further. I followed up on the account every few weeks until XX/XX/XXXX when they finally closed the account. They also reported two missed payments on my Credit Bureau Report with all 3 reporting agencies which isn't accurate. There are no statements from Ally stating that my account is or was past due as the account was suppose to be closed. I've reported the inaccurate information to all reporting agencies and Ally. I don't trust that they will handle this properly after the experience I've had with them. They're impacting my credit when I truly need it most.
Product: Credit reporting or other personal consumer reports

XXXX Experian run Banks XXXXr, XXXX and Cant verify anyone they dont like Violate Laws business torts negligent misrepresentation, breach of fiduciary duty, civil theft and conversion, conspiracy, defamation, and tortious interference with a contract or business relationship Tort Laws required to protect people from theft and fraud and are liable for the financial losses XXXX Years no Bank can verify XXXX XXXX XXXX work with Credit Burrow Violates Federal Constitution Credit Burrow Violate 18 U.S. Code 1341, 18 U.S. Code 1343, Title VII Civil Rights Act 42 U.S.C XXXX XXXX XXXX XXXX.

Banks ask XXXX  Year old questions so I Secure Email XXXX XXXX my ID Cards and Utility Bills and XXXX  says go to a branch I would have to take an Airplane XXXX World Bigest XXXX XXXX  owner Banks XXXX all my money then no other bank can verify me to escape Purchase XXXX XXXX XXXXXXXX XXXX caused XXXX XXXX to verify transaction was ok then XXXX credit card purchase declined XXXX XXXX XXXX XXXX transfer to XXXX XXXX XXXX did not work Change Name to XXXX XXXX then XXXXXXXX XXXX XXXX work great while call on the Phone fore 100 % no reason there 100 % no reason to verify me 100 % no problems XXXX XXXX Cant verify me and Lock Me out account XXXX times and reopen and Say go to a Branch === Fly on Airplane to XXXX get a Hotel and fly Home//