23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I listed my house for sale, when the attorney 's did the title search, a judgment came up in my name. I found out that my son had defaulted on his student loans, which I had co-signed when he went to school. I immediately reached out to collection agency to find out the status of the account, as well as what could be done to have the lien released to proceed with the sale of my home. They gave me general numbers over the phone. 
Advised that the account had not had a payment since XX/XX/XXXX, and that the outstanding balance was approx. {$56000.00}. They also said they would close the account for {$49000.00}. 
Obviously, that is not an option for me. I explained that I am selling my home because I am in financial trouble and they kept asking what my " offer '' was. I explained that I was just calling to find out the situation and what could be done to resolve it. Eventually during the course of the conversation, I suggested a payment amount of {$20000.00} from the proceeds of the house, to which the woman advised that she did not know if I would be allowed to sell the house. She suggested a good faith payment of {$900.00} and told me to submit a payoff request, along with a copy of the preliminary closing statement for the sale of house and a statement of said " offer. '' I explained I was set to close on the house XX/XX/XXXX, which was 2 weeks away. The woman said they would try to respond by the end of the week. I reached out to my attorney 's office and sent the paperwork they requested. When I followed up two days later, I was informed they could no longer communicate with me because I had retained an attorney. That technically was not the case, as the attorney was not retained in reference to the judgment, but the sale of the house. However, I thought it might better to let the attorney speak with them directly. He was kind enough to begin trying to communicate on my behalf. He did speak with the collection agency attorney once, and followed up with an email for an update XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX they responded saying they had no response from their client and would follow up again. My attorney then made numerous phone calls which were not returned. I also called myself and was put on hold until the line was eventually disconnected. My attorney sent another email XX/XX/XXXX advising that we had been served with Time of the Essence to which as of today, XX/XX/XXXX has not been responded to. Additionally, I sent a personal appeal to the collection agency attorney on XX/XX/XXXX, begging him to help me resolve this terrible situation. Also, as of today, XX/XX/XXXX, that message has gone acknowledged, never mind a response. In the last two weeks, I have been threatened with legal action from the buyers for my house. Today, we received a formal letter advising that I am in breach of contract, and that they intend to sue for damages of {$10000.00}. I fully understand that there is a legitimate issue here, but the collection agency is unwilling to work with me to resolve the problem. I am asking for assistance to get them to talk to me to explore what options are available to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was doing my bi-weekly check in on my consumer report and i discovered inquiries fraudulently tainting my report. Im devastated please remove these immediately.
Product: Credit reporting or other personal consumer reports

Violation of privacy act 1974 Discriminatory practices stopping me from extending my credit by placing adverse information in my credit profile unlawfully and violation of all corporations involved of their terms and agreements and company privacy act
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent in a dispute to Med Data Systems and asked them to verify a debt that is currently reporting to my consumer report that i do not recognize. Account number # XXXX My Tracking number for this dispute letter is # XXXX. Med Data Systems did not respond to my letter. I even gave them a little extra time to respond to me because i knew the letter had been received. I request this account be removed from my consumer report as Med Data Systems did not follow the time-frame laws set forth by the FCRA. It has been well over 30-45 days. Attached i have proof of my dispute and tracking details.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX/XXXX/XXXX, Equifax tells me that their extensive records of my personal information may have been stolen, putting me at high risk for identity theft. 

As a XXXX adult who is interested in making investments and becoming a homeowner soon, this is very distressing.
Product: Debt collection

In XXXX, when I was XXXX my mother opened a credit account in with XXXX XXXX with my name a social security number. The account stayed active and open until XXXX. During the entirety of this time my mother lived with me and at the home I was eventually able to purchase until she moved out end of XXXX due to our differences, in that time she was collecting the mail and filtering out these bills while I was at work. I made many attempts to close the account by calling XXXX XXXX and letting them know what was going on while attempting to buy my first home in XXXX when I realized she had done this again and they refused to shut the account down. She had a long history of creating credit accounts in my name and my younger brothers name and then no making good on them ( XXXX, XXXX XXXX gas station to name a couple. The account has now been transferred to collections with XXXX XXXX XXXXXXXX I have tried to negotiate just to make it go away, I have disputed the account to no avail and the only confirm the account by sending my the last bill. It is unfair to continue fighting for almost a decade with a company about an account that was opened by an irresponsible credit seeking parent and for me to continue to pay the price while I clean up my own credit issues from a divorce. I would like this account removed as I never had knowledge of this account until it was too late and XXXX XXXX refused to do anything about it and at one point accused me of lying to get out of the debt. XXXX XXXX XXXX has been no help with the issue.
Product: Credit reporting or other personal consumer reports

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a XXXX situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Product: Payday loan, title loan, or personal loan

XX/XX/20 I was trying to use the XXXX app so I could receive a small portion of my paycheck early to get gas, and as I was going through the sign up process, it said that PNC was not allowing me to continue.
Product: Credit card

In XXXX of XXXX I suffered a severe XXXX. Once out of the hospital I went into extensive rehab and eventually moved to an assisted living facility. I had been a XXXX  XXXX but had to give it up and close my business. My daughters had to sell my house and pay off all debts. Since I no longer was doing work I didnt need my business accounts including my Lowes account. And since I had moved several times wasnt receiving my statements which were at a XXXX balance any way. The Lowes account was furthest from my mind. 
In XXXX of XXXX I received a notice from Synchrony Bank that my account was overdue for a total of {$2300.00}. I requested statements that covered the charges made. They were online charges for tools and supplies that were sent to out of town addresses. I did not make these charges and filed a fraud report in XX/XX/XXXX. In XX/XX/XXXX I received a letter that they had approved my fraud claim and received statements from Lowes to that affect. 
However, early this month ( XXXX ) I received a statement from Lowes for {$1800.00}. When I called about it I was told that it was deemed that I was responsible for those charges anyway. When asked how they determined that, I got no further explanation, in fact they were very rude and indicated that there was no one else I could talk to about this. Since then I have made two minimum payments to protect my credit. 
I did not make or authorize these charges! I do not owe them. They are not mine or my responsibility.
Product: Mortgage

SPS has illegally denied my right to avoid foreclosure under the CA Homeowner Bill of Rights for NO VALID reason. 

The offer submitted is in line with the value that SPS did on the home. There is NO reason to deny my short sale. 

2nd lien holder has a foreclosure sale date scheduled for XX/XX/21. I will hold SPS personally and legally liable for all issues relating to legal fees and credit reporting damage associated to that action.
Product: Consumer Loan

Called on a refi that I was told we can make happen followed by no phone answer in the middle of the day where were they napping???
Product: Credit reporting or other personal consumer reports

I called the credit bureau, Experian to dispute a hard inquiry made today on XX/XX/year>. 
They refused to allow me to make the dispute from XXXX XXXX XXXX XXXX XXXX XXXXI would of made the dispute online but they don't allow hard inquirie disputes via on-line and it must be done over the phone.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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
Product: Debt collection

GC services continues to list Debt owed within its database for a case that was fully dismissed in traffic court.
Product: Checking or savings account

US bank failed to process my request to close my account in XXXX, resulting monthly fee and other fees. Then it closed the account and alleged that I have a negative balance.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In the month of XXXX I found out that I had a late payment from Wells Fargo Bank on my XXXX XXXX XXXX There was a balance on it for {$2.00}, XXXX the balance was from XX/XX/XXXX. For some reason I have not been receiving any statements at my new address which is XXXX XXXX XXXX XXXX XXXX ca XXXX. I was also sick with XXXX in and out of the hospitals. Once I found out that I have a late payment I went ahead and payed off my balance. Now It is reported in my credit with XXXX and all the other credit places as a late payment. I am trying to buy a new car and this is really effecting my credit score. If it's possible can the late payment please be removed. I have a great credit score, I have never been late on any of my credit card bills. For some reason I am not sure why I wasn't getting any statements from Wells Fargo. I do not have the card with me since it is a closed card but my social security number is XXXX birthday is XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following incorrect information that appears on my credit report. The accounts listed under JEFFERSON CAPITAL SYSTEMS contain inaccuracies and violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. I am not acknowledging ownership of these debts, and my dispute is based on the legal violations and inaccuracies detailed below. 

Disputed Accounts : * JEFFERSON CAPITAL SYSTEMS ( related to XXXXXXXX XXXX XXXX ) * JEFFERSON CAPITAL SYSTEMS ( related to XXXX XXXX XXXX ) Basis for Dispute : XXXX. Violation of 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : * There is no permissible purpose for these accounts to be on my credit report. According to 15 U.S.C. 1681b, consumer reports can only be furnished under specific conditions, none of which apply to the accounts in question. 

1. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : * Furnishers of information must ensure the accuracy of the information provided to consumer reporting agencies. The accounts in question contain inaccurate information that I have not authorized or recognized. 

1. Violation of 15 U.S.C. 1681 ( a ) ( 4 ) : * The FCRA provides me with the right to privacy and accuracy in the information reported. The accounts in question were reported without my knowledge or consent, violating my right to privacy. 

1. Violation of 15 U.S.C. 1681g ( Disclosures to Consumers ) : * I was not notified in writing within five days of the accounts being reported, as required by 15 U.S.C. 1692g. 

1. Violation of 15 U.S.C. 1692f ( 1 ) ( Unfair Practices ) : * These accounts involve unfair and abusive practices, including the addition of unauthorized amounts, violating the provisions of 15 U.S.C. 1692f ( 1 ). 

1. Violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ) : * These accounts were reported without proper authorization under the Privacy Act, which governs the collection, maintenance, use, and dissemination of personal information by federal agencies. 

1. Violation of the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692g ( Validation of Debts ) : * Debt collectors must provide a validation notice within five days of the initial communication, detailing the amount of the debt, the name of the creditor, and the right to dispute the debt. Failure to provide this notice is a violation. 

Requested Action : Due to the above violations I request that the inaccurate information related to the above-mentioned accounts ( JEFFERSON CAPITAL SYSTEMS ) be removed from my credit report immediately. The presence of these accounts is unjust, and they should not have been included without my explicit consent and proper verification of their accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three credit bureaus to update and correct my personal information. I wanted to remove address XXXX XXXX XXXX, XXXX Ar XXXX to my current address as well as some other addresses listed. I called the bureas to update my address and in return they said I couldnt delete the old address because they were tied to new accounts. I have live at my current address almost 8 years! 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. 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

On XX/XX/XXXX, I closed on my home at XXXX XXXX XXXX in XXXX, IL for {$170000.00} ( put {$20000.00} down ) with CITIZENS BANK. The appraisal done at the time showed a value of {$270000.00}. I purchased the home from family for {$100000.00} less than they paid for it due to it needing a number of repairs due to negligence since purchase approximately a year and a half before. I didn't notice at first I was being charge PMI insurance at first, which is entirely my fault, however I shouldn't be charged PMI insurance when the bank ordered appraisal shows a value of {$270000.00} and after downpayment I only owed {$150000.00}. That puts me significantly over the 80 % XXXX. 

I have called Citizens Bank more than 10 times in the past year and a half trying to get this issue resolved. I was given the phone number of XXXX for a PMI specialist known as XXXX, whom called me, left a voicemail once, and when I returned the call, received no answer. Over the next few weeks, I left at least 3 voicemails requesting a call back to get this straightened out and have not received one call back. 

I have called Citizens and spoke with a representative whom told me that according to " their records, '' at the time I only had 13 % equity according to the appraisal of {$170000.00}, which is how much I paid for the home. When asked for proof of that appraisal, she replied, " I'm looking at the appraisal now, '' but when I informed her I also had the appraisal and it showed a value of {$270000.00}, she replied, " oh yes, I'm also seeing {$270000.00}, '' and told me she would have a specialist reach out, and promptly hung up on me. No specialist ever reached out.

The most recent call, approximately one week ago, the rep for Citizens told me she, " saw the note regarding the PMI complaint '' and would forward me to her supervisor. I sat on hold for approximately 10 minutes when she said the supervisor would prefer to call me directly than be transferred, I confirmed my cell phone number, agreed that was fine, and the call ended. No supervisor ever returned the call.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX, XXXX - XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a change in my credit report with Equifax after inquiring about a " closed date '' that wasn't be reported however after doing so the " balance date '' on several US Dept of Education Loans was updated to XX/XX/XXXX which looks as if this account was recently settled. That of which is not the case as they were settled on XX/XX/XXXX as noted in the attachment ( Credit Reference Letter ). I have attached two credit reports noting the changes as well. This change it date makes it appear that I in default/delinquent until XX/XX/XXXX which has impacted my credit score significantly. 
I have attempted in good faith to resolve this matter with Equifax and US Dept of Education however the numbers provided for the Dept of Education are non working numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which are : Equifax, XXXX, and XXXX; did not modify or removed anything. I asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything. Per the FCRA they have violated my federal rights under the following laws : 15 USC 1681a ( 2 ) ( i ) report containing information solely as to transactions or experiences between the consumer ( an individual ). and the person ( any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ). making the report ; 15usc 1666b which states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15USC 6802 ( a ) ( b ) ( c ) ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian what is your METHOD of verifying MIXED data when investigating inaccurate information on credit files and what METHOD did you use to verify and insure the information that you are reporting on my credit file is NOT mixed data. I have requested this information through certified letters. Please provide your Method of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion in reference to a large number of inquiries on my credit report that I did not authorize. I spoke with a representative at TransUnion about this issue and I requested that they remove these inquiries, but their customer service rep would not help take care of the negative inquiries reporting to my credit. The following inquires were NOT authorized by me : 1. XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX, XX/XX/XXXX 3. XXXX, XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX, XX/XX/XXXX 6. XXXX XXXX, XX/XX/XXXX 7. XXXX, XX/XX/XXXX 8. XXXX, XX/XX/XXXX 9. XXXX, XX/XX/XXXX 10. XXXX, XX/XX/XXXX 11. XXXX, XX/XX/XXXX 12. XXXX XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX A dispute has bee filed with each Credit Agency. Equifax, XXXX and XXXX, XXXX XXXX XXXX. As well as my second complaint in the past 3 years with Consumer Financial Protection Bureau. I made submitted a dispute in XXXX and the account was removed from my reports and then a few months later placed back on my reports as well as my business credit reports. It has prevented me from obtaining funding for my business. Constantly accessing my credit without my consent. Reporting late payments currently on a closed account/ charge off that isn't mine. I was told by XXXX XXXX that the account was FRAUDULENT and they repossessed it that it would be removed from my credit report. I have requested bourdon of proof several times I was a victim of the of the Equifax data breach as well as XXXX. XXXX XXXX saw that I tried to obtain a credit card which I was denied due to inaccurate/ fraudulent. XXXX XXXXXXXX XXXX  XXXX. How did they get my current information? They offered me a credit offer for a XXXX XXXX on XX/XX/XXXX. I declined the offer due to my not opening the account at all. They have sold the account to other Collection Agencies then report as if its a new account. These are the dates : XX/XX/XXXX I contacted XXXX XXXX after it was on my credit report. I disputed them 9 or more times.XXXX, XX/XX/XXXX after it had been placed on my business credit report, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX until I wasn't allowed for a while until today.