23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a titlemax loan with the office in XXXX tn. I am current. I am not behind in my payments at all. However every single month since I took the loan they are calling from the time they open even days before my scheduled payment date. They are expecting and telling me make my payment right now. Within a matter of a day or two I am then being automatically threatened with your. At is what you put up am well take it. I only use my cell phone and my call log keeps track of all the times they call. Just since yesterday they have already called twice each day. Tonight I had the girl there demand I be at the office tomorrow. Told her I have a XXXX appointment and she copped an attitude be a use I had a drs apt . I had also asked are you going to keep blowing up my phone everyday like you have done every month since and she said well you was suppose to pay this already by XX/XX/XXXX and we are to call you. I told her that all they are doing is harassing me no. Stop and this was wrong and that I was going to report them. Told her because of holidays everything is running late and I 'm starting do do my bills now. She said well your social security was there on XX/XX/XXXX and I should have paid on that day. I told her it 's all been a long holiday weekend and I 'm doing all now and that I was a little short and had exactly XXXX on my card and you refuse short payments and cop attitudes if not all payment so I will have my payment because of money coming in. She again copped an attitude. I hung up and tried to look up cooperate # and she called and interrupted me using my phone to search for that number 3 times. I ignored call n had to start search again. Now I 'm reporting here because I 'm sure first thing again in morning they going to start bright and early blowing up my phone. This is beyond harassment every month. This is out right blaitened ignorance as well as bullying not to mention it goes right to the threat of taking the car. I have never ever in my life and I 'm XXXX now been so aggrivated and pushed to extreme anxiety from any company. Not even my mortgage company when I was way behind. And here I am it 's just a matter of a. Ouple of days past the due date and am otherwise completely current. Last month I was a cidently XXXX $ short and omg the calls demanding me to drive an hr and give them {$1.00} and then you better XXXX XXXX the {$1.00} .... Plus get. Barged {$16.00} I did n't even have. This office is out of control and in no way shape or form is conducting business in any form of a respectful way. If anything.g I would compare them to loan sharks and the loan shRks are better at conducting business. I am beyond utterlly Fed up. Also one additional thing. I have told them that I ca n't drive my car right now because the exhaust busted off and I. ant even fi. That because I 'm paying them but yet they still demand me to go there. So how am I to do that pay a cab $ XXXX.round trip to say hey now I ca n't pay because you wanted me here so here I am but the cab wanted their money. I ca n't win with this place. I will be making sure every single. All is in my log that 's for sure ....
Product: Debt collection

I have been writing letters since XX/XX/2021 and never got a response. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following incorrect information on my credit report. To this date, they have not responded. 

The following account is not mine : XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$420.00} ). Please remove it from my credit report. 
XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$230.00} ). Please remove it from my credit report. 
XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1000.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 
XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$2600.00}, XXXX XXXX : XXXX XXXX XXXX ). Please remove it from my credit report. 
XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$4500.00}, Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). Please remove it from my credit report. 
The Following Account Was Never Late : XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$1100.00} ). Please correct/update this inaccurate information on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

In accordance with the fair credit reporting act, this creditor, " OneMain Financial '' has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.
Product: Mortgage

recieved overpayment of escrow and DID NOT KNOW I HAD TO RETURN IT TO PNC. They refuse to " reanalyze '' my escrow payment because I did not return the money. They have increased my mortgage payment $ XXXX and this is a hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XX/XX/2017 any and all public record data must include name, address, SSN or full DOB for it to appear in your credit report. The credit bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and therefore should be deleted from my credit report.
Product: Credit card

On XX/XX/year> I was shown a promotion on Credit Karma to UPGRADE my XXXX XXXX XXXX credit card to a XXXX XXXX Savor card. This is advertised as an upgrade and NOT a new card. It then proceeded to pull a hard inquiry on my credit report and create a new account and credit card and not upgrade my existing card. I called XXXX XXXX customer service the same day and they were no help on this manner and only said i would have to dispute it with the CFPB which I assume would involve me claiming fraud.
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 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 has violated my rights. Or a 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: Credit card or prepaid card

American Express is stating they are now charging me {$4200.00} for a charge they are claiming did not go through on XX/XX/2022. The charge went through previously ; yet I can not locate it on my statement. I believe they are charging for something past when they should be able, and believe they have altered my online statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX    XXXX   I submitted a dispute requested for the account  XXXX   XXXX   XXXX   ``   XXXX   XXXX   XXXX  '' that was paid {$500.00} and showing  XXXX  balance in collection be deleted from my credit report. No results. Account is still showing in collection with Equifax
Product: Debt collection

I was put in collection around XX/XX/2017, by XXXX for the amount of {$69000.00} which XXXX XXXX issue payment for the amount of {$6500.00} and XXXX amount was {$2100.00} payment in full by XXXX, my ex- husband XXXX XXXX took the checks for his own personal use which he admitted taking the money, I had giving all divorce documentation to both doctor 's court order on XX/XX/2017 my ex-husband shall be solely responsible for repayment of both of these debts and shall indemnify and hold me harmless with regards to this debt I forwards this papers to XXXX XXXX XXXX, I tried to purchase a house and I cant because I'm in collection in the 3 bureau and my credit it getting damage because of this. Please see attached proof from the lawyers and court.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my transunion and XXXX credit report : DEPTEDXXXX Open date : XX/XX/XXXX. XXXX XXXX date : XXXX XXXX. XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX an account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting INACCURATE / negative information on my credit report ; they're reporting that I have 2 collections, from XXXX XXXX XXXX. I've been disputing with Experian since XX/XX/2021! I sent dispute letter to Experian, Certified mail with return receipt, which was signed for upon delivery. Experian has refused to investigate and remove this inaccurate information. 

I can not obtain credit due to this inaccurate reporting.
Product: Checking or savings account

I have gathered over {$35.00} individual withdrawals from my Wells Fargo XXXX  XXXX  that adds up to {$1200.00} just since XX/XX/XXXX. Mind you, I have had a checking account with Wells Fargo since XXXX and presume there to be many more excessive overdraft withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXX original creditor XXXX claims account opened XX/XX/XXXX this account was not opened by me. I have requested validation of the account & have not received any information from debit company or XXXX ans they are stating the account is is mine. This account just appeared on my credit report all of a sudden it has not been on my report recently & I have several reports to prove it was never reported. This is not my account & needs to be removed from all 3 credit bureaus. 

Portfolio Recovery Assoc paid settlement on account and company does not do day to delete. I gave information to credit bureau and only 1 removed information thus far. I need all 3 credit bureaus to delete the portfolio recovery assoc original creditor XXXX XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX this account is settled. I have a letter from them to provide if needed that states account was settled.
Product: Debt collection

Dear CONSUMER ADJUSTMENT CO I am writing to formally dispute a debt collection account that has been reported to my credit report # XXXX this account is inaccurate and violates my consumer rights under multiple consumer laws which I will list below, each violation of my consumer rights will be met with legal action if not removed. This debt is not owed, nor do I recognize this debt and have no record of it. This alleged debt is not legally enforceable. You have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ). And you have also not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) .CONSUMER ADJUSTMENT CO has zero authority to furnish anything to reporting agencies without providing any and all disclosures REQUIRED by law, you are in clear violation of CFR 1006.34 ( d ) and 15 USC1681-S2 ( 7 ) ( A ) CONSUMER ADJUSTMENT CO has engaged in harassing or abusive behavior, such as repeated calls, threats, or false statements, due to this violation of my rights I have experienced hardship both physically and mentally and will be seeking damages if not removed. 



I request that you investigate this matter and take appropriate action to correct the inaccuracies in my credit report. I also request that the debt collector cease all collection activity on this account. My final request is that you furnish the purchase agreement between you and the original creditor.
Product: Mortgage

I applied for a modification with America 's Servicing Company XX/XX/XXXX. I was approved for a previous modification 3 years prior to this one, but fell behind due to loss of income. I paid an attorney to fight this recent modification because it was my XXXX, and a few organizations said that they would not assist. I appeared in court with my attorney several times but the banks attorney 's were constantly unprepared and late. 5 years later they offered me an in house modification. When my attorney and I appeared in court to negotiate the terms, the banks attorney did n't show up and the case was thrown out, that was XX/XX/XXXX. Now the bank is starting a new case and they are calling me to pay the balance in full, which is now XXXX. I spoke with their escalation department and explained that I was offered an in house modification already and would like to go over the same terms to see if there was room for negotiation, the payments offered were very high. I received a call yesterday and they stated as of XXXX/XXXX/XXXX, my loan is back in foreclosure status. Naturally, they want to rush it back in before the statue of limitations are up. At this point my salary has been stable for the last 6 years and my income is well over the required amount to afford the mortgage payments, but because they have n't allowed me to pay the mortgage for almost six years, I feel they are making it impossible to come to an agreement to pay them back. I want to keep my house and pay my mortgage. They are saying I make too much and it is not my primary residence. When I purchased the house, I lived there and since have moved and rent it out to tenants. My salary plus the rental income puts my yearly gross to over XXXX per year. That seems to be an issue for them. The guidelines also say that it has to be your primary residents, but it was at one time. I worked in the mortgage industry for many years before the market crashed and it took me a few years to get back on my feet. Now I 've been on my feet for several years and now do not meet the qualifications because I make too much. This mortgage situation is stopping me from moving on and getting my life back in order. My credit is affected, I have a son in college and I have to pay out of pocket because no one will give me loans due to my credit issue. I just want to start over and pay my mortgage but it seems impossible. I need to know which laws protect consumers who in the past, had a loss in income but have since increased their income and need to settle their modifications that have been in limbo for almost 6 years. This senerio does n't seem to fit the government programs available but there has to be out of the box scenerio that fit another criteria. I just need to know my rights as a consumer and I do not want to pay another attorney 10 's of thousands dollars to fight this case for me again. Plus it can drag on another 4 to 5 years because it 's in XXXX county. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eperian has prematurely removed accounts from my credit report, causing my score to plummet by XXXX  XXXX  and damaging my apparent creditworthiness to lenders. 

As a result of the improper removal of these accounts, the length of my credit history appears to be shorter than it actually is. Currently, my Experian score is XXXX XXXX  below XXXX and XXXX XXXX XXXX XXXX. One of the accounts Experian removed is still open ; the other two should be on my credit report until XX/XX/XXXX and XX/XX/XXXX. The other credit bureaus ( XXXX, XXXX ) are still listing them. 

Further, when I tried over a dozen times to reach Experian by phone and email, I got the runaround multiple times and was finally given a phone number that will not connect to a live agent ( and their email support refuses to help altogether ). 

The accounts in question are : - XXXX  XXXX XXXX XXXX XXXX with XXXX - ending in XXXX ( closed, last updated XX/XX/XXXX ; listed by XXXX ) XXXX XXXX  XXXX acct starting XXXX - ending XXXX ( closed, last updated XX/XX/XXXX ; listed by XXXX ) XXXX XXXX acct XXXX XXXX - ending XXXX ( still open ; listed by XXXX, XXXX )
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ARS is reporting a debt of {$1500.00} on my credit report however I do not owe this debt. I have reached out to the XXXX XXXX XXXX, which was the hospital I was seen at in XX/XX/XXXX and they stated that I do not owe {$1500.00}. Also someone from the hospitals billing department called the insurance company XX/XX/XXXX at XXXX letting them know that I dont owe {$1500.00}. I have also called my insurance company that I had at the time which is XXXX and they told me nothing in their systems states that I owe that amount. I reached out to the collection agencies about three times now and they still refusing to remove this debt or provide any validation or proof of this debt. Also they have hung up in my face several times.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal dispute regarding the inaccurate reporting of my credit history by TransUnion, XXXX, and XXXX, which is in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. 

Despite providing ample evidence to support my claim, all three credit bureaus continue to report differing late payment records for XXXX XXXX XXXX XXXXXXXX credit card, which was paid off in full. 

I have meticulously maintained my credit obligations and have never missed a payment on my XXXX XXXX XXXX credit card. Any discrepancies in payment history reported by the aforementioned credit bureaus are not only erroneous but also damaging to my creditworthiness. 

To rectify this issue, I visited my XXXX XXXX XXXX branch and obtained confirmation from the business XXXX associate, providing concrete evidence that all payments were made on time and in full. Despite presenting this evidence, the credit bureaus have failed to correct the inaccuracies in my payment history. 

Under the FCRA Section 611, I am entitled to a fair and accurate credit report. The discrepancies in my credit history are in direct violation of this provision. Additionally, the reporting agencies are obligated to adhere to XXXX XXXX compliance standards, which govern the reporting of credit information. 

I respectfully request that the Consumer Financial Protection Bureau intervenes in this matter and ensures that TransUnion, XXXX, and XXXX accurately reflect my credit history in compliance with the FCRA and XXXX XXXX standards. Additionally, I urge for a thorough investigation into the discrepancies and prompt resolution of this issue. 

Enclosed with this letter is the evidence provided by XXXX XXXX XXXX confirming my timely payments. I withdrew money to then pay my credit card at the same time since I was already at the bank. It really doesnt get anymore clear. I want this fixed. I kindly request that you review this documentation and take appropriate action to rectify the inaccuracies in my credit reports. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my accurate credit history.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an inquiry on my credit report I can transunion to verify my identity I told the. The only thing I should have on my file the XXXX for trans Union told me to file a report to have it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WAS REINSTATED WITH XXXX IN XX/XX/XXXX ( SEE EXHIBIT " A ) THIS AMOUNT OF {$39000.00} INCLUDED ALL AREARS, COSTS & FEES IN THE UNIVERSE ) AND XXXX PAYMENT. SINCE THEN, I HAVE MADE TEN 10 ) PAYMENTS REFLECTING XXXX, XXXX - XX/XX/XXXX ( SEE ATTACHED ITEMS 1-10 ). ACCORDINGLY, I AM NOT REPEAT NOT BEHING IN ANY PAYMENTS. 
I BELIEVE XXXX IS CHARGGING ME FOR FEES THAT FROM THE PRE FORECLOUSURE THAT WERE ALREADY INCLUDED IN THE REINSTSTEMENT AMOUNT LISTED AT ( EX. ( " A '' ). HOWEVER, THESE FFES ARE NOT MORTGAGE PAYMENTS AND CAN NOT BE REPORTED AS PAST DUE. 

FINALLY, THIS INCORRECT REPORT IS CAUSING ME LACK OF ACCESS TO CREDIT, CAUSING DUE HARM, MISSING FINANCIAL OPPORTUNITIES, EMOTIONAL DISTRESS.BE PUT ON NOTICE ACCORDINGLY.