23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/18 - This company ( Direct Recovery Services ) has my email, personal address, work number, and home phone number yet contacted a friend I haven't seen in 6 years at a number I did not reference for this loan. The loan in question was a payday loan of which the number that was called was never referenced on the loan application. The representative ( a XXXX XXXX ) called the friend and left a message on his voicemail with regards to my name, his company and the fact I had money owed, the amount, and why the payment didn't go through. The rep never clarified he was contacting my number but left the message anyway, of which is a violation of federal law. I received a text message from my friend with the subsequent voicemail left by XXXX XXXX from Direct Recovery Services. His message stated " I am trying to reach XXXX XXXX ( this is not a clarification nor did he confirm who he was talking to ). This is XXXX XXXX from Direct Recovery Services. I am calling about the payment arrangement of $ XXXX which didn't go through. I need a phone call at XXXX as soon as you get this message '' I have no problem paying the debt ( payments have gone through fine, this one in question did not and is being rectified ). I called XXXX XXXX back at which time I was berated about paying debts and " this wouldn't happen in the first place '', which I took as his breaking the law and contacting a friend or relative to discuss a debt.
Product: Debt collection

A company called Credence Resource Management LLC reported a debt on my credit report. I disputed the debt and requested proof of debt. They sent a statement and a follow up email sending the same statement.I requested proof under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, IL XXXX 7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX
Product: Debt collection

I've just found out that 'USCB AMERICA ' has been reporting two accounts as collections on my credit report since 2016. I have never received a single call, nor any written communication from them.
Product: Debt collection

On XX/XX/XXXX an unsigned Writ of Execution ( dated XX/XX/XXXX ) was received by my employer and was sent to me via email on the XXXX  of XX/XX/XXXX regarding wage garnishments. I contacted the company listed on the Writ as the plaintiff XXXX Guardian Capital Management Hawaii LLC ) in which they advised they don't have the file and I have to contact the attorney listed on the Writ. I then made several attempts to contact the attorney XXXX XXXX XXXX XXXX XXXX and XXXX ) by phone on the number listed on the Writ of Execution which is XXXX, and spoke with XXXX XXXX who confirmed she received my voicemails and forwarded them to XXXX XXXX who is the attorney working on this case. However, after many attempts made to contact XXXX XXXX, I had not yet received any call back to discuss this case as of XXXX XX/XX/XXXX. I have never received a court summons for the hearing that created this judgement against me nor have I received the Validation Notice that they are required to send me prior to garnishment. The Validation Notice is to include a full accounting of debt principal, interest, original loan date, and current amount due as well as original creditor and account number. This debt has not been verified nor confirmed by me as being a legitimate debt. This debt does not reflect on any of my credit reports that I recently pulled as of XX/XX/XXXX. I had filed XXXX XXXX XXXX in Hawaii on XX/XX/XXXX so all existing debt at that time was discharged and furthermore, I paid off all open collections listed on my credit report as of XX/XX/XXXX. I then submitted a letter of dispute by dropping it off to the attorney 's office as well as mailed a certified signature receipt required copy via XXXX yesterday XX/XX/XXXX. I have been living in XXXX XXXX since XXXX and did not make any new loans. All companies involved ( whoever the original debtor is ), Guardian Capital Management Hawaii LLC and the XXXX XXXX XXXX XXXX and XXXX did not follow the CFPB regulations. Only after I left another voice message for the attorney stating that I was filing a complaint with the CFPB and Federal Trade Commission did I receive a phone call back which was at XXXX ( XXXX  ) on XX/XX/XXXX. I then met with him when I dropped off my attached letter of dispute in which he stated he will contact his client to remove the Writ of Execution of wage garnishments and advised he will hopefully hear back by the end of the week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Eqifax Credit Bureau XX/XX/2019, asking them to remove a bankruptcy from my credit report because it's against the law to report this information they obtained by a third party known as XXXX XXXX. They're response was they verified the information and refused to remove it.
Product: Credit reporting or other personal consumer reports

Status Received results Updated on XX/XX/year> Sent to XXXX Dispute reason Don't remember being late I don't remember ever being late with a payment on this account. 
Dispute result Your items currently remain on your most recent credit report. Unless you have received a direct mail from XXXX, there is still a chance that it will be removed in the coming days.
Product: Debt collection

On XX/XX/year>, I was checking my credit report when I noticed a negative entry from a company called True Accord. The company placed a negative entry on my report for a debt allegedly owed to XXXX. True Accord did not provide me the opportunity to dispute this debt before placing on my credit report causing my credit score to drop. Furthermore, the company is trying to collect a debt that is not valid. In addition, I did not receive written notification of this debt I had to review my credit report to learn of the action by this company in placing a negative entry on my report.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Therefore Mohela is in violation of my privacy as stated in the about act that includes any student loan or financial information. I have not given written consent to furnish my information to anyone. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I have filed multiple complaints and I understand that not a thing has been corrected or changed. This is considered at this point willful violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request the XXXX XXXX to order and approve my application for reconsideration. please see attachment for complaint submitted for references and score references. Thank you for your cooperation and understanding. Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing an account that I do not recognize and it is in Charge Off by XXXX XXXX XXXXXXXX opened on XXXX for a credit card for a total amount of XXXX dollars. I have called and sent more than 3 letters to the creditor during the last 2 months since I do not recognize this information. It does not belong to me. 
My social security was just provided about 12 months ago and I need this information removed from my credit report as it is affecting my credit
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the inaccurate reporting of my Michigan child support account on my Experian credit report. According to my records, this account has been fully paid and closed with no remaining balance. Despite this, Experian continues to report the account with a past-due balance and a seriously delinquent status, which is both inaccurate and harmful to my credit profile. This erroneous reporting is causing significant hardship, impacting my creditworthiness, and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. Per FCRA regulations, Experian is required to maintain accurate reporting, and if verification can not substantiate this debt as delinquent.
Product: Vehicle loan or lease

During the course of this loan I have not missed a payment and have paid more than {$1000.00} additional monies to principal plus monthly payments. I requested a deferment on my loan for three months and was denied. They gave me one month, WHICH WAS NOT ENOUGH to help me get ahead.

This was not considered and my only option was payment plan that is quite unfair as it does not help a consumer like me who has not missed payments and paid additional to principal.

Another way to rip off consumer.
Product: Checking or savings account

On New Years Eve I lost my wallet and phone in my XXXX I took to XXXX XXXX at XXXX pm. I left the car and noticed my wallet and phone was not on my person. I kept calling Chase bank which is where I had my debit card from in my wallet with. And could not get in contact with someone until someone used {$2800.00} through transactions at a bar and dispersing {$500.00} from ATM using my pin code which they gave out. I submitted a claim on the XXXX of XXXX and was told not to file a police report. Now Chase has informed me the Charges are authorized because the chip on debit cards prevents all fraudulent transactions. I finally reached Chase at XXXX to cancel my debit card but it was already to late, the culprit already made their purchases with my debit card.
Product: Mortgage

XXXX told me they would take no futher action as long as I did not fall more that 2 months behind on my mortgage. Six days before my monthly payment was due they informed me at my mortgage was given to SLS and they were demanding that I pay 3 payments in 6 days or they were going to put me in default. When I called SLS they told me that they could demand all 3 payments it they wanted to. A couple days later SLS called me again saying to send in one payment by certified check, which I did. A couple weeks later they sent the check back and told me they were going to forclose on my home.
Product: Credit reporting or other personal consumer reports

I requested the said consumer reporting agency REMOVE ALL ADDRESSES, PHONE NUMBERS, DATE OF BIRTH and NAMES that do not match my CURRENT DRIVERS LISCENCE I requested these items be DELETED/UPDATED well over 30 DAYS ago this is a direct VIOLATION OF THE F.C.R.A! DUE TO NO RESPONSE I have proof as well as receipts from the post office as well as the documents that were submitted
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX - XX/XX/year> XXXX - XX/XX/year> The following inquiries were not and should not be reporting.

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 6 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a An personal loan opened at XXXX XXXX  on XX/XX/year> under the account number ( XXXX ) these several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit and personal loan account opened at XXXX XXXX  opened on XX/XX/year> under the account number ( XXXX ) This account have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 myconsumer 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 andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Hello its XXXX XXXX again making another complain so its been couple months from XXXX until now this company have my money. I have emails saying this can take up to 90 days for me to get my money back and now its more than 90 days and they still close my account and using my money investing same way. I tried to reach out to a Lawyer as well! I need my money its been couple months now and they still have my XXXX investing in there app and I cant even log on my account I cant do nothing and its been couple months! So you guys gon na just let Groundfloor take my money and dont do anything about it? I need back my XXXX thats a lot of money and Groundfloor still have my money its been so long and they still have it I want back my XXXX they are over doing it now! They dont even reply to my last complain that I made because they know they are taking people money out there. I need back my money Groundfloor you guys are stealing my money and lock my account and still using my money investing in your company. I would need this complain to pass on to another government agency so I can get back my money its been too long now!! This past 90 days which they promise I need back my money!! This is stealing money and this is a registered company and nothing is getting done about this!! XXXX is a lot of money!!! And they just have my XXXX like that and wont give me back I need back my money!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed information on my credit report over 100 times over the last year and 2 months. I have provided a police on XX/XX/XXXX, XXXX ive provided several identity theft reports, and also have provided my credit report from other companies showing the inaccuracies present ob my credit report. 

XXXX XXXX XXXX Account # : Balance : {$43000.00} ( Identity theft ) This is a personal loan I never agreed to and have no knowledge of it was deposited into a fraudulent account that XXXX XXXX  closed down. Also the company sold the debt to XXXX XXXX XXXX XXXX, even though they provided no evidence the account was mine. Ive requested evidence for 8 months. 

XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$9200.00} This account was paid by my Gap insurance so amount of XXXX is incorrect. the true amount was XXXX. The incorrect amount has been showing on my credit report for 2 years now. even though the account was reported as income as XXXX XXXX XXXXXXXX via a 1099-C and paid through my personal taxes. its still being reported falsely on my credit report.
Product: Credit card or prepaid card

THE ACCT HAS CREDIT INSURANCE THEY PAID THE ACCT IN FULL BUT THE BANK ILLEGALLY CAHRGED OFF THE ACCT WHICH IS FRAUD
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT ; THOSE ACCOUNTS ARE NOT MINE. ( XXXX XXXX XXXX XXXX  FOR {$5300.00} OPENED XX/XX/XXXX ) ( XXXX XXXX  FOR {$130.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$710.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$810.00} OPENED XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter on XX/XX/2022 ; To remove personal information that I do not want on my credit report, see attachments. 

According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax lied to you concerning XXXX that reports on my credit file.. I received a letter from XXXX XXXX XXXX asking the credit bureau to remove the reporting from my credit report due to them finding out that the account was fraudulent and wasn't mines. They also sent me a letter stating they would not be holding me reasonable and they've asked the credit bureau to remove all reporting from their company! XXXX  has removed theirs and Equifax has a very nasty attitude when I called to speak with them, I spoke with a supervisor who told me they would remove it but didn't. I'm enclosing a copy of the letter that I received from XXXX XXXX XXXX.
Product: Checking or savings account

I just signed up for a Venmo account which is through the XXXX bank. I just received my first deposit today. Now my account is locked because of identity verification which I already did that setting up my account and I sent in my driver license today through email. They are saying it will be XXXX business days and I cant wait that long. I have XXXX kids Im taking care of and I worked hard for my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, to whom this may concern, I am submitting this complaint because I have noticed several inaccurate accounts and inquiries on my credit report without complete disclosure. I feel like I havent had a fair chance to obtain credit because of these inaccuracies and according to the Fair Credit Reporting Act ( 15 U.S.C 1681 ) I have A Right to a FAIR and 100 % COMPLETE Credit report. These violations of the Fair Credit Reporting act has caused me a great deal of XXXX and XXXX XXXX Please help me resolve this matter I have tried disputing but nothing works. I really appreciate you taking the time to hear my complaint.
Product: Debt collection

This was already complained upon about a debt trying to be collected on for Capital one, in the amount of XXXX, called the company XXXX XXXX XXXX, they in fact did tell me it was included in the bankruptcy and not sold to them, her name was XXXX just spoke to her!! My account was NOT sold, was included in bankruptcy!!