23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several accounts that I do not recognize or recall ever opening. These accounts are as follows : XXXX. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX. XXXX ( Account Number : XXXX ) I believe these accounts may have been reported inaccurately, and their presence is negatively affecting my credit report. I contacted the credit reporting agency to dispute these accounts and provided all necessary documentation, including my identification, but the accounts remain on my report.
Product: Debt collection

Credit acceptance submitted past due/ late balance collections on XXXX credit XXXX. 15 USC 1692 c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Debt collection

I recently called and submitted a letter to Medical Data Systems Inc asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of  Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask Medical Data Systems Inc to remove the collection from my credit report until the debt is validated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Identifier : XXXX Account Number : XXXX Dear XXXX XXXX XXXX, This communication is in response to your recent inquiry regarding the XXXX XXXX account re

ferenced above . Please be advised that we have requested the credit reporting agencies listed below to delete all information reported under the account identifier number referenced above. It may take up to thirty days for the credit reporting agencies to comply with our request. Please use this communication as verification until the credit file is updated. Please note : The above Account Identifier Number and the Account Number represent the same account. The Account Identifier Number must be included in all correspondence regarding credit bureau reporting, as it is used for furnishing information to the credit reporting agencies. If we can be of further assistance, please have t he customer contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Trans Union 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 transunion.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  For OPEN XXXX XXXX XXXX accounts only XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Identifier : XXXX Account Number : XXXX Dear XXXX XXXX XXXX, This communication is in response to your recent inquiry regarding the XXXX XXXX account referenced above.

Please be advised that we have requested the credit reporting agencies listed below to delete all information reported under the account identifier number referenced above.

I

t may take up to thirty days for the credit reporting agencies to comply with our request. Please use this communication as verification until the credit file is updated. Please note : The above Account Identifier Number and the Account Number represent the same account. The Account Identifier Number must be included in all correspondence regarding credit bureau
reporting, as it is used for furnishing information to the credit reporting agencies.

If we can be of further assistance, please have the customer contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 transunion.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX For OPEN XXXX XXXX XXXX accounts only XXXX
Product: Checking or savings account

Navy Federal banking is holding transactions. At the time of purchase funds are shown to be available, however once they actually post the transaction it causes my account to overdraft. On XXXX XXXX there was a peer to peer payment made from my account in the amount of {$190.00}. Transactions that occurred after this payment posted before this payment causing my account to subsequently go into the negative. In addition I was charged 2 return-check fees from transactions that I am not aware of. These types of transactions in regard to how Navy Federal has posted transactions has been happening for about 60 days causing continuous overdraft fees.
Product: Debt collection

I have received calls from a company stating my daughter gave my number as a contact and they are asking questions about her. My daughter said she has not listed me as a contact for her. I am almost XXXX years old and have told these people to not call me. I do not owe them anything and have been registered on the do not call list for a long time. These people call from different numbers and call late into the night. This is very upsetting to me and my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX alerted me of a past due and I researched my report and did not recognize the company nor have an account with Elan. After calling 3 different numbers with capital credit was provided a number to Elan Credit. 

Spen 58 minutes and finally spoke to a male XXXX XXXX who advised my Acct had been converted/ conversion from a card Connexus. I explained that I received no phone calls, statement or emails. I then Asked what address and phone and was provided with my home address and a incorrect phone and email. I then asked about my ACH that had been taking from my bank Acct and he had no record. 
He could not provide me with full credit card number due to the conversion and only the last 4. 
He advised to pay the amount due {$82.00} and he would get with his mgr about correction to my credit report. I then elected to pay the balance in full, and afterwards in the call was advised I would have to call another number to discuss. I called the number and advised to write a letter and reference the account number Which they couldnt provide. Therefore I could not send a complaint without the completed card number. 
I filed a dispute with XXXX XXXX and XXXX they advised Elan would not be changing the credit report and no explanation provided. 
I have been erroneously reported as delinquent when Elan failed to advised of the company taking over and did not admit they had incorrectly reported derogatory information. They failed to provide contact information and limited me from trying to correct when they could not give me the full account number to file the complaint. Conversion or not, this company failed to inform and made a promise that they would correct, when I paid the account off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquiry on XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

XXXX XXXX XXXX  Of Inquiry on XX/XX/XXXX I dont recognize this company and this was done without my permission/consent. 

TD Bank N.A. 
Inquiry on XX/XX/XXXX I dont recognize this company and this was done without my permission/consent.
Product: Credit reporting or other personal consumer reports

I recently disputed this account in XXXX of XXXX  and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 


Account # XXXX Delete this erroneous account IMMEDIATELY!
Product: Credit card or prepaid card

When I applied for a Business credit card with PNC, I was denied. According to Equal opportunity credit act as well as 15 USC 1602 p. Unauthorized use of credit and no benefits was received.
Product: Debt collection

On XX/XX/21 XXXX XXXX called in regards to XXXX on behalf of HSBC XXXX XXXX. The number they called was XXXX and stated they were attempting to collect a debt on behalf of the HSBC XXXX XXXX. I told them I do not owe anything to HSBC this has been resolved years ago and this was over ten years old and this was fraudulent. The person hung up on me after I stated over and over on an allegedly recorded line this was a fraud. This is my third complaint regarding a company having some of my personal information and stating they are calling for HSBC XXXX XXXX.
Product: Debt collection

The debts associated to my social security number are not mine. I have never opened a credit card in my name before and have never been able to due to this debt. The debt is a result of identity theft. The original dates on the accounts opened were before I was of legal ago to open a card account in my name. These were all opened before I turned XXXX. I was born in XXXX and my age always matched the year. I was a minor on the dates the accounts were opened and did not open these myself. The only debts I owe are XXXX from XXXX XXXX and XXXX  which I have paid or am in the middle of paying.
Product: Mortgage

In XXXX of XXXX, I was granted a COVID hardship forbearance. Shortly after it was granted, we were informed that our payment would be doubled, from ( roughly ) {$1200.00} per month to {$2700.00} per month and that a lump sum payment would be due upon the completion of the forbearance period, which was 6 months. 

During the forbearance period, I continued to get billed at the new doubled rate. At the end of the 6 months, the indicated I needed to pay them close to {$17000.00} or face foreclosure. I balked. I requested a review and also that my payments be reduced to the amount I was paying pre-COVID. We exchanged several letters and they ultimately indicated they had, Granted me relief! Their idea of relief was to double the double and want me to pay them {$5500.00} per month ( more or less ). They indicated if I did this for one year, I, d be good and could keep my house. 

I am keenly aware of the Cares Act and its prohibition of lump sum payments if one has been granted a hardship during COVID. I am confused as to why they are doing this! I am now some {$37000.00} ( more or less ) in arrearsaccording to them. And, I have most recently received a letter indicating I must pay the loan off by XX/XX/XXXX or face foreclosure! 

The company I get billed by is Select Portfolio Serviicing, Inc. You should note this company touts themselves as a Mortgage Sevicing Company . The reality being, its a fancy title for a collection agency. They harass my wife and I relentlessly! They even send an individual to our house, monthly, to drop a flyer on our front doorAND THEY CHARGE ME TO DO THIS!!!!! 

Their address is SPS, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. 

They will avoid answering directly and be vague. They will further tell you they simply service the account. 

SPS will indicate the current owner of the mortgage is XXXX Mortgage XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  New York, NY XXXX. They DID NOT PROVIDE me with an account number. Nor did they provide me with any documentation indication when this company acquired the mortgage and they certainly didnt provide proof they were acting on behalf of this company! 

In addition, at the time of the COVID forbearance, and according to SPS, the mortgage was owned by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, DE XXXX. They provided the following numbers, CSMC XXXX. I do not know if this is an account number or not. Im not even sure when this bank acquired the mortgage. 

Please help. I feel as if I have tried to get help/relief from SPS numerous times and that they have ignored our requests or made it virtually impossible to solve the problems. Ultimately we believe they are simply trying to steal our property, a property we have lived on for over 23 years. You should also note, our loan HAS NEVER GONE DOWN..it has increased every single year!!! How does one defeat that?
Product: Mortgage

On XX/XX/XXXX I received my XXXX IRS Form 1098 from my mortgage servicer - PennyMac Loan Services , LLC . To my dismay the form stated I paid {$0.00} in real estate taxes in XXXX. I checked my online account and saw that XXXX property taxes were only on XX/XX/XXXX. Since PennyMac has been my loan servicer for several years they have always paid my property taxes on or prior to XX/XX/XXXX of that calendar year. 

I did receive a letter regarding this but it was buried in the tons of mail and emails I get from PennyMac. 

I will now owe several XXXX dollars in federal income taxes due to {$0.00} of real estate tax deductions for XXXX. PennyMac said they made the change to align with the tax due date of XX/XX/XXXX, but my sense if that they want to hold onto customer escrow fees for additional time so they can earn additional income/interest for that time. 

PennyMac failed to properly notify customers of a change in longstanding practice that will cost them thousands of dollars in federal and state income taxes. 

Kindly assist with resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received calls from this company once a month, and they leave voicemails stating that they are attempting to collect a debt. I have not received any mail from this company or about any debts in general. When I called the company back, I was told that they do not have any account or record of my name or phone number in their system, so they can not verify my debt, or provide any information about why I am receiving calls. I am not aware of any debts that could have gone to collections. After confirming that they do not have any record of my information, they continue to call me.
Product: Mortgage

XXXX XXXX is the assigned loss specialist assigned to do the short sale and since I filed a complaint with your agency, she has been non responsive with the short sale process. It has been months and still no progress.
Product: Debt collection

After I got approved for an unsecured personal loan of less than {$400.00} I lost my job. I notified the finance company and was told that it was be put as noted on my account. However a week later I start recieving numerous of calls with attempt to collect a debt. After about 3 calls I was told that my account was sent to the credit agency. Shortly after that the finance agent was knocking on my door. They come to my home several times a week and bang on my door even after I 've asked them to go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for incorrect personal information listed on my credit report. The below XXXX addresses are incorrect and I have and never lived at these addresses. Please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also remove the following phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX and the following employment XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. Lastly remove the Spouse/Co-applicant XXXX  from my credit file.
Product: Debt collection

About a year and a half ago I opened a credit account with paypal.com. I charged a debit for an XXXX with their account services from an online retailer named XXXX The XXXX never came. I was still charged the debt for the purchase. Can you please look into the purchases I've made at PayPal.com to end the debt suppression this company has imposed. If you need me to fill out every purchase that the imposed the debts about I will do so but the company is running a fraud scam. Everyone involved in this debting scam should be indicted. Thanks.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX 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 submitted a written request to Synchrony Bank on XX/XX/year>, requesting copies of my signed contract and applicable disclosures related to my account. To date, Synchrony Bank has not provided the requested documents. The corresponding USPS certified mail tracking numbers are on the attached documents as proof of delivery.

Additionally, Synchrony Bank unlawfully shared my nonpublic personal information with credit reporting agencies and nonaffiliated third parties without my consent, in violation of the Fair Credit Reporting Act ( 15 USC 1681b ). This practice appears deceptive and coercive, potentially aimed at forcing payments on a debt that may not be valid. 

The failure to provide the requested documents and unauthorized data sharing violate multiple federal consumer protection laws, including : - Fair Credit Reporting Act ( FCRA ) Failure to provide requested consumer credit information ( 15 USC 1681g ) and unauthorized sharing of nonpublic personal information ( 15 USC 1681b ).

- Fair Debt Collection Practices Act ( FDCPA ) Failure to validate the alleged debt upon request ( 15 USC 1692g ).

- Truth in Lending Act ( TILA ) Failure to disclose account terms and finance charges ( 15 USC 1631 ).

- Gramm-Leach-Bliley Act ( GLBA ) Failure to provide required privacy disclosures and opt-out options ( 15 USC 6802 ).

These unlawful acts have damaged my creditworthiness, financial stability, mental health and has resulted in a loss of wages and opportunity. I also request enforcement action to ensure Synchrony Bank complies with consumer protection laws.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Regarding Unrecognized Credit Inquiries Reported by TransUnion Dear Sir/Madam, I am writing to formally file a complaint regarding several credit inquiries that have been reported on my credit file by TransUnion, which I do not recognize or authorize. Upon reviewing my credit report, I noticed the following inquiries that I do not recall authorizing or granting permission forXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Finance/Per I believe these inquiries are either unauthorized or fraudulent, as I have no record or recollection of applying for credit or authorizing these companies to access my credit report. I am concerned that my personal information may have been compromised, or that there is a potential for identity theft.