23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello CFPB, I am reporting and disputing the following item from my credit report that has nothing to do with me. I have also been threatened by this company of damaging my credit and repeated harassing calls. 
This item was disputed and removed legally and was not to return back under any other company on XX/XX/2018. The CFPB claim # is XXXX. 

HOWEVER, it has shown up back on my credit report recently by XXXX XXXX XXXX. And the credit bureaus have allowed this despite receiving the same communication letters they sent to you and, myself of deleting this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX
Product: Student loan

When I called Navient to lower my monthly payments or temporarily postpone my payments so I can start saving my money they would not work with me. It was their way or nothing. Very upsetting and frustrating as I have other school loans and obligatory bills.
Product: Debt collection

I have a XXXX and Have told this company HFS at XXXX to not call me till after XXXX if they have business with me or my wife they keep calling with or about some debt from several years ago i dont even remember XX/XX/XXXX my dad passed away and i not only have this XXXX but now XXXX and take meds, sleeping is hard and when i get sleep i dont need this company HFS waking me Please get them to stop Thank you
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report except for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX SSN : XXXX Date of birth : XX/XX/2003 Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information. 

Best Regards, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

My debt was transferred from XXXX to SST. I paid my bill, due on XX/XX/2023, on XX/XX/2023. I have XXXX and a XXXX  years of perfect, on time payments on this loan. 
- On my XXXX login to the SST billing site it showed my payment was applied but I still had a payment due by XX/XX/XXXX. 
- On XX/XX/XXXX I emailed SST customer support to point out the problem and ask for a correction. 
- On XX/XX/XXXX I received a phone call from SST detailing how the problem had been found, my payment had been applied to principle but not my due date and it would take them XXXX days to correct the problem. 
- On XX/XX/XXXX after seeing no change to the due date on my account I called SST to ask for an update and push them to correct the problem since the due date was now only XXXX days away. I was told the problem was due to how XXXX transferred the loan and they would do nothing to change the due date and I would be required to pay them another XXXX by XX/XX/XXXX. 
- This company lied to me by telling me they had no control over how they operate their business due to how another company transferred information to them. The representative I spoke to showed no embarrassment by what she was saying or how her company was responding to this issue and could not have cared less. 

I had no choice in doing business with SST, my loan was transferred to them from XXXX outside of my control. I did not choose to do business with this company. I have worked diligently for XXXX to earn and maintain a clean credit rating only to allow an incompetent, inept, unethical and corrupt company to extort money from an unwilling customers. 

This complaint will be made to every reporting agency, oversight group, regulatory agency, company and person that will listen to me. In the future, I will research and reject any loan, product or service if it is determined that SST has any connection to that product. 

At this point there is no acceptable solution that SST can provide, to keep my credit rating clean I will have to submit to their blackmail. They have made it clear what kind of company they are.
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 Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account 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 reporting, credit repair services, or other personal consumer reports

Ive disputed a bankruptcy multiple times with Experian and they continue to say that XXXX XXXX  reports the information as accurate, however Ive contacted XXXX myself and experian never contacted them. XXXX and XXXX investigations lead to the bankruptcy reporting being deleted from my credit report, but experian refuses to delete the information from my report.
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USAwas not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit card or prepaid card

I went online to view my statement and saw there is a charge for {$40.00} ( household? ), made on XX/XX/2021 at XXXX XXXX  that I don't recognize. I tried to call several times to speak to someone about it but I could not understand the reps ( not speaking English ), and they were rude, and indifferent to my made known request to them about the issue. As a consumer, I have the right to question a unrecognizable charge on my target store card. They also need to vet their employees and make sure he/she can speak American English, afterall this is " America '', English is the first language of this nation, and it helps so English speaking customers can understand the reps when enquiring about their account.
Product: Mortgage

1. A Foreclosure on my FHA mortgage for XX/XX/XXXX with No notice to you or posted on the Property. 2. Claims of an incomplete Loss Mitigation application despite providing all documents requested. 3. Having a Homeowner Assistance Application in process for my FHA mortgage this is all happening with loan care
Product: Debt collection

The is a collection account placed on my credit files from Radius Global Solutions on XX/XX/2021 for the amount of {$290.00}. The original creditor is XXXX XXXX XXXX XXXX. This is not my account and I am not responsible for this account.
Product: Debt collection

Contacted the company on XXXX electronically asking for return contact. By XXXX, no contact so called again. Stated I had to submit a request in writing- although website states can request online as I did- and that then they will request documentation to prove the collection. It is my right as a consumer to be presented this information and I should not have to jump through hoops to get it. I found out who the collection was for, XXXX XXXX, and I contacted them directly and paid this in full. I then contacted National Recovery again, and was told to mail the receipt, itll get processed, go through  verification and eventually be removed. As they could not produce the documents to begin with, they should not have this on my bureaus as a collection dated XX/XX/XXXX, for a service from XX/XX/XXXX. I asked to email or fax the receipt and was told to get the info off the website. I have been unable to find this information. This should be removed in an expedited manner due to not satisfying my consumer right to detailed information on what they are trying to collect money for. I could get no information except to keep mailing requests or to pay them.
Product: Mortgage

In trying to obtain a mortgage for a condo unit with Chase Bank, we initially shared ALL of our personal and financial information complete with all backup documentation which included the fact that we had an Equity Line on our current property. We were not told this Equity Line would be a problem and so we wasted a month and almost lost our purchase deal before we were informed finally after pushing our close date out that we had to greatly reduce this Equity Line or not receive a mortgage. We were also initially told there would be no 'points ' involved with this loan. As the close date neared with constant encouragement that we were satisfying all requirements, we received another mortgage confirmation letter which suddenly included 'discount points ' of 1.8 % and stated definitely that we would have to cap our Equity Line to a ridiculous amount. 
At that time, we went to XXXX and quickly and professionally were handled with no surprises and were able to close and purchase this condo unit.
Product: Debt collection

This letter is being sent to you in response to your recent fraudulent verification of an unknown XXXX account on my credit report. This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt. Please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the XXXX, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX XXXX XXXX XXXX XXXX as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns. I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & Federal authorities, the XXXX and XXXX XXXX associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as in violation of Florida medical privacy rules. 
I also hereby reserve my right to take private civil action against you to recover damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Mortgage

I requested a mortgage payoff from Chase bank for my FHA loan. I will pay of the mortgage this month and I am being charged PMI fees of {$240.00} for mortgage insurance for the month of XXXX and XXXX when the loan is being paid off in XXXX.
Product: Credit card

I reported an unusual charge on my card to Chase and on XXXX XXXXXXXX XXXX  received a letter in the mail stating that the {$260.00} charge from XXXX from XX/XX/year> was resolved in my favor and the charge would be forever removed from my account. Then, without notice, Chase re-charged for the unusual charge.
Product: Debt collection

I received a new credit report and found the following item to be in error : 1. The account is not mines this is fraud Stellar Finance INC
Product: Debt collection

I am tired of these collection agencies. Always placing things on my credit file. Without giving me my dispute rights. I never received a letter from them. All thought they will lie saying they did or say they can't locate it to keep reporting it to my credit files. I am paying fortiva directly. Which I just made a {$20.00} payment to them directly.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX my credit report was accessed fraudulently and a hard enquiry was made by XXXX XXXX XXXX. They accessed my Equifax report without my consent whatsoever. I disputed this enquiry on my report on same day as soon as I get the notification but Equifax competed the investigation within few hours without going into the details of my complaint and wasn't able to remove it from my report. Hence I would like to request you to kindly help me remove this fraudulent hard enquiry from my report which reduced my credit score as well. I hope you will help me. Thanks
Product: Credit reporting or other personal consumer reports

Sent this letter to bureau. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
l also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It s my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, lease update my_payment history to PAANL status ( Paid As Agreed, Never Late according to consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX Account 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed a fraudulent account from XXXX on my report, please remove this for its hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Checking or savings account

XX/XX/year> It has come to my attention that the contributions I have made towards my XXXX ( k ) plan have not been made available in my account. Specifically, it appears that the contributions have been withheld by the XXXX XXXX ( PRA ), but the funds have not yet been deposited into my XXXX ( k ) XXXX account. 

This issue is causing me concern as it directly impacts my retirement savings. As you know, timely contributions are essential to ensuring that my retirement funds grow appropriately and that I can take full advantage of any employer matching contributions and potential investment returns. 

Last notification that was provide to me with an update on the status of my XXXX ( k ) contributions was XX/XX/year>? I would appreciate it if you could confirm the following : The reason for the withholding of my XXXX ( k ) contributions by the PRA. 
The expected timeline for when these funds will be made available in my XXXX ( k ) XXXX - XXXX account. 
Any steps that I need to take or additional information you require from me to resolve this matter promptly.
Product: Mortgage

We contacted our loan company in XX/XX/XXXX to let them know that my guaranteed job had fallen through due to that company going bankrupt. I had been XXXX XXXX from the XXXX in XXXX. We knew wed be unable to pay our mortgage until I got a good paying job. They said theyd help and send paperwork to help and they never did. We went XXXX month unable to pay our mortgage while trying to apply for a loan modification. We did our part but they didnt do theirs. In XXXX I got a well paying job and we were able to make house payments. The loan company closed out our account to where we couldnt pay anything unless we had over {$8000.00}. If we had that, we wouldnt have been behind on our payments. We begged to pay what we could and pay our overdue amount over time. They said we needed to apply for the loan modification we tried getting the previous year. So we started that process in the beginning of XXXX. We turned in our documentation and they would take days/weeks to either approve or ask for more documentation. Then theyd find something wrong with our documents and pushed us even further in debt. They didnt start to review our modification request until XXXX. Their review took until mid XX/XX/XXXX. They declined any modification because they said we owed too much money and we have to sell our home or do a deed in lieu. They told us we could keep our home. They took an entire year and put us into the debt we owe. We had the means to pay our loan. We wouldnt be in this situation if they hadnt taken a year to go over our loan modification. We feel like it was intentional and they never truly wanted to help us. They wanted to rack up the late fees. Their customer service has been awful. We asked to speak to the highest person that works for them and they were always busy and they never called us back. Now they wont even answer their phone for us.
Product: Checking or savings account

On XX/XX/XXXX {$150.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} Were all unauthorized transactions out of my bank account I reported the transactions to XXXX for Fraud on XX/XX/XXXX and previously in XXXX to XXXX for Fraud. On XX/XX/XXXX XXXX initiated the dispute for the transactions and requested that i sign a WUSD. I never recieved a WUSD from XXXX for signature within 10 buisness days. The case was closed and my nothing was done for my fraud dispute, due to XXXX failing to provide me with a WUSD to sign. I attempted to contact XXXX multiple times to get a WUSD To sign. 

Transactions are not listed on my disputes.