23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : XXXX XXXX XXXX  Reference # : XXXX Court : XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Liability : {$0.00} XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX FXXXX XXXX XXXX  ) Account # : XXXX Balance : {$180.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$320.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

XXXX   XXXX ,  2017    . XXXX - XXXX  ( CST ). Representative at Navient is  XXXX   XXXX . He has repeatedly harassed me and has been rude to me on the phone regarding payment for my loans. He demands that i make payments over the phone via prepaid card, bank account number, credit card or debit card. I 've explained to him several times that I do not like making payments over the phone and prefer to do an online bill pay through my bank so I can have  a paper trail. He continues to tell me that I should make the payment over the phone and demands a date that I will send  in a payment. Navient has screwed up several payments I had made last year and took OVER A MONTH to refund me the excess amount they took out, which ended up caused my bank account to overdraft and result in bank overdraft fees.  XXXX  talks to me like i 'm stupid and is very unaccommodating.
Product: Consumer Loan

Ally Financial is reporting me as being late on XXXX, XXXX and XXXX 2016. I have made my payments on time. I know I had late payments in the past but I have done everything I could to ensure I pay on time. This has to be an error in the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MYSECOND REQUEST. The unverified account on my credit file below remain on my credit in violation of Federal Law.  FCRA requires you to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I got a letter saying verified that these items are being reported correctly? 
How was this done when the companies never even responded You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) + Section 611 ( a ) ( 1 ) ( A ) ( a contract with signature ) and under Section 611 ( 5 ) ( A )  of the FCRA Yall can delete the account below The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I paid a bill, and the amount was specifically entered as {$1100.00}. When it showed up on my credit card statement the amount was {$1100.00}. This bank makes so many errors it's unbelievable. I've had ongoing issues with fraud and overbilling and now this. I can't get them to do their job.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of an account listed on my credit report under XXXX XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information. After reviewing my report, I identified the following issues with this account : XXXX. Inconsistent Account Reporting Across Bureaus : The account is listed under Equifax, but there is no reporting in XXXX or XXXX. This inconsistency can misrepresent the consumers creditworthiness. 
XXXX. Improper Collection Account Reporting : The payment history under Equifax shows OK for all months, but the account is marked as Collection with a status of Late 120 Days and a balance of {$580.00}. This is contradictory and could indicate an error. 
XXXX. Failure to Update Dispute Status : The comments section states : Consumer disputes this account information, yet the account is still reported as Derogatory without clear resolution or updates. If the dispute was resolved, this status should be updated or removed. 
XXXX. Potential Obsolete Reporting : The Date of Last Payment is listed as XX/XX/year>, and the Date Last Active is also XX/XX/year>. Negative information such as collections must generally be removed after seven years from the date of the first delinquency, per FCRA guidelines ( 15 U.S.C. 1681c ).

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must maintain accurate and consistent reporting. The contradiction between OK payment history and the account being in Collection with 120 Days Late status violates this requirement.

2. 15 U.S.C. 1681i ( a ) : Failure to Conduct a Proper Investigation : If the account has been disputed and the information remains inaccurate, this indicates a failure to investigate and correct errors.

3. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : If the accounts delinquency began in 2018, it may now be obsolete. Such information must be removed after seven years.

4. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor ( Midland ) may be inaccurately reporting this collection account, particularly if it remains in dispute or contradicts the payment history.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation and removal of several fraudulent accounts that appear on my credit report. These accounts were opened without my knowledge or authorization, using my personal information fraudulently. I am protected under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which mandates that credit reporting agencies must promptly investigate and remove any accounts that are found to be fraudulent
Product: Credit card or prepaid card

CitiBank XXXX XXXX Thank You Rewards Redemption ( cash back program ) On XX/XX/2022 I requested from Citi that my Thank you points ( {$320.00} ) be sent to me by check. Four weeks went by and I haven't received the check so I called XXXX asking about the check. They claimed to have sent the check. So I asked for the outstanding check to be canceled and have another check issued. They agreed. Another 4 weeks went by and I hadn't received the check. I called and was told that the check was returned! LOL I asked for the points ( {$320.00} ) to be returned to my account. On XX/XX/202 I received an email indicating that my points were returned to my account. Several days later, I then tried to redeem those points ( {$320.00} ) by having Citi deposit them to my checking account that they have on file. As of XX/XX/2022, my {$320.00} have not been deposited to my checking account. The points were returned and then deleted from my account. WHY? Are they trying to wear me out? Are they hoping I forget? They have a contracted obligation to honor my my Thank You points. Four months have passed since requesting payment of my Rewards Points!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE-Citibank is reporting inaccurate information to all three major bureaus. They responded to a previous CFPB investigation stating that the information was correct. The past due history is showing for XXXX : past due ( XX/XX/19 and XX/XX/19 ). XXXX  : past due ( XXXX ) and XXXX  : ( XXXX ). Under the federal Fair Reporting Act ( 15 U.S.C section 1681 and following ) you are obligated to investigate this request within 30 days and promptly give credit reporting agencies correct information. These negative remarks are damaging my credit. Please promptly contact XXXX, XXXX  and XXXX  and any other credit reporting agency to which you have reported and remove all past due history from my file because it is misrepresentation.
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( 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 ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX, XXXX, TransUnion received a hard inquiry by XXXX hired by XXXX regarding an application for a reverse mortgage. I have shielded my credit to insure only authorized requests by me. I received an alert from XXXX to let me know there was an inquiry. I asked my loan officer if he knew the company and said yes. I spoke to XXXX and said that XXXX had requested it. Unfortunately, thereafter, I began getting texts, mail and voice mail from unauthorized loan companies. I also received in writing today with detailed information about my balances, original mortgage company ( it's on a servicing account, currently ). 
I have a blocked and private cell phone. I only give out personal information to companies I choose to do business with. 

I was told that credit reporting companies sell reports from credit bureaus. Then sell consumer information to mortgage companies. I've tried calling and there's no fax or email to the credit bureaus. Mailing would take months to resolve issue. I have a right to privacy and protection. 

My hard earned credit and private information should not be allowed, sold or shared to unauthorized companies, without written authorization by consumers. I've also gotten solicitations and have seen companies which did a " soft '' review without my consent.
Product: Vehicle loan or lease

I would like to first let you know which account I'm referring to GM Financial Account # XXXX. The issue is the reporting of late payments in XX/XX/2020 and XX/XX/2020. Due to covid-19 I was unable to get payments made either due to not being notified or being unwell. I did get this taken care of as soon as I was able.
Product: Debt collection

I am writing to bring to your attention a concerning issue that I have recently experienced with XXXX XXXX. 

I was offered a position with XXXX XXXX for which I was extremely excited and grateful. However, I was shocked and disheartened when they retracted the offer after discovering my disability in their medical records. I firmly believe that this action constitutes discrimination under the XXXX XXXX. 

To make matters worse, XXXX XXXX has since sent my medical bill to collections as further retaliatory measures. This has added unnecessary stress and financial burden to an already upsetting situation. 

I am reaching out to seek your advice and support on how to address this issue. I believe that it is important for organizations to uphold the rights of individuals with XXXX and to prevent discriminatory practices from occurring. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

Formal Demand to Validate Unauthorized Credit Inquiry I am writing to address a credit inquiry from your company dated XXXX XXXX XXXX on my credit report. I do not recognize this inquiry, nor have I authorized XXXX  to access my credit report. Under the Fair Credit Reporting Act ( FC

RA ) 15 U.S.C 1681b, you are required to have permissible purpose before obtaining my consumer credit report. Which I did NOT provide. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to provide proof that you had a permissible purpose to obtain my credit information. I demand that you provide the following documentation immediately : 1. Proof of my explicit authorization for this inquiry, including any signed agreements or consent forms bearing the XXXX  name. 2. A detailed explanation of the purpose of the inquiry and the basis on which it was made to XXXX. 3. The name and contact information of the individual or department within XXXX XXXX responsible for initiating this inquiry. If you can not provide the requested documentation proving that this inquiry was legally authorized, you must take immediate steps to : Remove the inquiry from my credit file. Notify all credit reporting agencies of the correction. Confirm in writing that these actions have been completed. Failing to respond to this request or refusing to provide proper validation will result in formal complaint being filed to the State Attorney Generals office and the Federal Trade Commission ( FTC ), and potentially pursue legal action for violations of my consumer rights. This unauthorized inquiry has damaged my creditworthiness and constitutes a serious breach of federal law. I expect your response within 15 calendar days of receipt of this letter. Ignoring this matter will only escalate the issue further. Consider this my final attempt to resolve this issue di
rectly with your company before taking legal and regulatory action.
Product: Credit reporting or other personal consumer reports

I am writing to urgently follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial request, these inquiries remain on my report.
Product: Debt collection

National Credit Systems is claiming I owe {$1000.00} to XXXX and reporting it to my to my credit history. I have never been told about this debt by either XXXX XXXX on the Debt Collector even though they have my phone number and address on file. I called the apartments and was told to contact the collection agency. I called the collection agency and was told the debt was sold to The Law office of XXXX XXXX XXXX XXXX XXXX, XXXX. I called the Law Office on XX/XX/XXXX at XXXX and asked to be sent written notice of debt with proof. It has been over ten days now and I am aware that under the Fair Debt Collection Act, I am entitled to this information 5 days from the date I was in contact with the collector. I would like the debt collector and Law Office to please correct the mistakes they have made. I have yet to receive any paperwork stating why I owe this debt, why it was opened 6 months after my lease ended with XXXX XXXX, and what my rights are.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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 an 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 reporting, credit repair services, or other personal consumer reports

I have attempted to contact the creditors as well as the credit bureaus directly with no resolve. Most recent attempt was today XX/XX/XXXX. Previous attempt was XX/XX/XXXX. I have frozen my accounts as well. 

Transunion : XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I have two XXXX  showing only one correct is XX/XX/XXXX ( not correct is following XX/XX/XXXX, XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX & XX/XX/XXXX
Product: Mortgage

I have been trying to resolve my mortgage issue with OcWEN for over two years now, and keep reading about the XXXX XXXX XXXX and the National Mortgage Settlement Administrator giving OCWEN glowing reports and upgrading them. Their are still a HUGE number of Lawsuits pending against them and I should be XXXX of them. They told me to go into arrears so that they could start the Loan Modificationa nd proceeded to delay delay dealy the results, lost paperwork that was FEDEXED to them. Stated that docs were out of date and more and more and more ineptness pushing the amount I now owe to over {$100000.00} and pushing my credit lower and lower ... This criminal organization should not be allowed to " buy '' their way out of trouble and somebody in the organization should go to jail!! I just read an article that they received a favorable rating from this bureau because they have not received as many complaints about them ... Did you ever think that normal people that they have taken advantage of are tired of complaiining when the deck is so clearly stacked against them. So I am telling everyone today if you are still having problems with OCWEN like I am keep the complaints coming. Dont let them Win they should be out of business and disallowed from paying penalties unless it is to their victims ... And no {$120.00} doesnt cover it.
Product: Debt collection

I have been trying to resolve this issue with money 4 u for a year. They hired a private XXXXnvestigator that threatened me with arrest among other things. I asked if they would meet at police station. She refused. I have been offered a settlement twice then told no. They drained my account twice in 50 dollar increments and.l in quick succession until empty including all my unemployment. I have been told I have a warrant. By them several times. I called XXXX XXXX and XXXX XXXX XXXX to resolve court case. There are no cases or warrant. When I call they are very rude to me and tell me I need to pay my bills. They have destroyed my families birthdays this weekend that Ill. Ever get back. Please help me. I have filed a police report with XXXX XXXX police department. The report was taken by officer XXXX. Police report number is XXXX. Thank you. I have saved all communication from them. And proof of everything stated
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX