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

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 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: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 section 602 A. states I have the privacy!!!!!!

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. 

consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in XXXX XXXX software to the other agency to come back verified is not the proper way in law to do.
Product: Debt collection

I had to vacate an apartment due to living conditions and I had no choice but to let the payments default. ( XX/XX/XXXX ) The collection was first with XXXX XXXX XXXX XXXX XXXX. 
They moved the collection to IQ Data and they contacted me in XXXX, I told them I did not have the {$4000.00} to pay. 
They told me they will put it on my credit ; I wont be able to buy a house ; im not responsible and they were RUDE! 
Yelling at me. 
They called my job XX/XX/XXXX asking for me. I asked how they got the corporate number and asked the to Desist calling because we are a SECURE GOVERNMENT FACILITY. Those types of calls are screened by the government. 
The guy proceeded to get rude and I hung up. 
I called back to speak to his manager that questioned my job performance because I had not paid this collection. 
He also said, " So what you want me to do, call you boss and get it from her? '' IN NO WAY IS THIS ACCEPTABLE! 
They are rude ; they keep threatening me saying that I wont be able to attain anything because I dont pay my bills and these people do not know me! 
I am taking care of my parents home and mine! I work VERY HARD! 
Im tired of them calling me and threatening me!
Product: Credit card

I have an apple card account with Goldman Sachs and I called to try to find why I am not able to pay extra on my card balance. I was told that the system doesn't allow me to pay extra. I also asked what my balance was because it is not clear. I have to go into my account details which tells me my credit limit, I can then subtract the available credit to come up with my balance. No where on the card details ( I access this on my cell phone ) does it clearly show my actual balance. I was speaking to a young woman who clearly stated that the system doesn't allow me to pay extra on the card, since it it interest free, I can only pay the autopay amount. 
I then asked why I have a credit balance of {$410.00} and she attempted to explain. I asked if that credit amount could be used to pay on my balance and was told no I can't do that, the system will not allow that. I asked to speak to a superivisor and was transfered to someone named XXXX ( ID XXXX ) who reiterated the same thing. I said this doesn't make sense because they are holding my money XXXX. He then told me if I didn't make my monthly payment they would deduct it from the $ XXXX ( would this mean a late fee ) I asked him if on the next autopay I paid off my balance what would happen to the {$410.00} and he stated that he didn't know. I have never experienced anything like this and was dumbfounded. How can they not let me use my money ( the credit ) I asked if they would send me a check and he wasn't sure. I asked him the name and contatc information of his supervisor and he said he didn't have one, that he sends his complaints to a team. I asked who was the head of the team and he said he didn't know. This is clearly not a way to do business especially since goldman sachs had already been fined for the same lack of transparency and poor business practices. My case number is XXXX I repeated it back to him so there was no mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian is Reporting Late Payments to the consumer report the XXXX account number XXXX and XXXX XXXX XXXX XXXX XXXX are both reporting as late, but according to 1666b Timing of payments ( a ) Time to make payments. A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. According to the Fair Credit Reporting Act sec 603a ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report are to be excluded. Also section 602 ( a ) of the Fair Credit Reporting Act Requires fair & Accurate Report, no other Reporting Agency such as XXXX Or XXXX Are reporting those accounts besides Experian. And According to the Privacy act of 1974 as a federally protected consumer I have a absolute right to privacy, which is also backed up by the Gramm-Leach-Bliley Act. Experian is not respecting my right to privacy nor are they apply due diligence to the vital role they assume with respect to accurate reporting. These acting greatly affect the banking system of the nation, cripples the fiscal stability of the financial sector, and blatantly harms the consumer XXXX given right to contract and restricts my trade greatly. I am attaching a document from Experian 's website showing the late payment reporting and I'm expecting to see and timely update on the accounts
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 my federally protected consumer rights to privacy and confidentiality under USC 1681.

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 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 1681 s-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. 


XXXX ACCOUNT NUMBER- XXXX
Product: Debt collection

FOCUS RECEIVABLES MANAGEMENT HAS PLACED A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS ACCOUNT IS CURRENTLY REPORTING TO XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft a business loan was opened under my business information with XXXX XXXX account number XXXX, this fraud account is not reporting has chargedoff on my credit report. 

Two unauthorized hard enquiries from XXXX XXXX and XXXX was also reported to my credit file as a result of identity theft.
Product: Checking or savings account

Trying to use XXXX keeps saying has n't received any Direct Deposits from my bank SunTrust
Product: Mortgage

I am requesting the financial outline to submit a full modification package to PNC Bank, but I have had difficulty getting any positive response since my mortgage is current. Recently, I had to borrow from a third-party nearly {$50000.00} to bring both of my mortgages current, and without a modification I believe I will once again fall behind in payments. 
Therefore, I need a modification package emailed to me or mailed directly to my home address.
Product: Checking or savings account

This is related to checking and credit card accounts with USAA.
USAA will not allow me to make any changes to my accounts online. I can only view account information, but make no changes. USAA says this is because I owe them {$370.00} as a result of overdrafts. I can not modify my auto insurance. I am making payments on a credit card I had with USAA, I can not change or in any way adjust the amount I am paying because I do not have the ability to do so. The only department that can change this is Collections. Collections does not allow communications through any medium other than phone and wait times average over 30 minutes. They will not communicate through email, messaging or even paper correspondence. I have been unable to reach them due to the extended wait times on the phone ( this is the norm according to related internet forums ). In addition USAA began withdrawing from my checking account WITHOUT MY AUTHORIZATION when the debit card I was using to pay became compromised and had to be closed.     Until last year I had no electronic access to my  XXXX   XXXX   XXXX   XXXX  account as they refused access because I had declared bankruptcy. That is now fixed as a result of the CFPB 's action s (  Thank you ! ). I dispute the {$370.00} charge but can not get it resolved as I can not reach Collections. I need to change my credit card payment but can not as USAA will not allow me to modify my accounts online. I wish to modify my auto insurance but can not do so as USAA wi ll not allow me electronic access/changes to my accounts.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Credit Inquiries Dear XXXX XXXX XXXX, I hope this message finds you well. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request the removal of all negatives items, inquiries from my credit report. As a XXXX XXXX I am often faced with challenges related to my financial decisions, especially when applying for credit. Unfortunately, I did not initially understand how to effectively manage my credit, which resulted in multiple inquiries that have now negatively impacted my credit score. Having since educated myself on credit management, I have developed a better understanding of how to maintain and improve my credit standing. To move forward with renewed discipline and responsibility, I kindly ask for the removal of all inquiries from my credit report. This will allow me the opportunity to start fresh and make informed financial decisions. Thank you for considering my request. I appreciate your understanding and support as I work to improve my financial situation Collection : XXXX XXXX, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

This bill is fraudulent and I dont owe it. I was billed for a carpet that was flooded multiple times caused by a leak in a condo unit above. The enclosed pictures clearly show the leak coming down from above ruining my personal possessions. 
I have all the pictures and emails reporting it to the condo office and their responses saying they are trying to find it and fix it. The condo rules say that the condo above is responsible. 
They owe me money for my damaged personal property. 
I keep having to have this removed as they keep selling it to another collection agencies and put it back.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 statesI have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an a open and consumer credit plan as late for any purpose.

I kindly request the removal of unauthorized inquiries on my credit report 15 USC 1681b ( Permissible Purpose )
Product: Debt collection

Personal information was leaked by a data breach From XXXX in which made several things on my report where and not linked to me at all. Addresses and names even some debts. I have filed for them to be removed and never hear back.
Product: Debt collection

On XX/XX/2020 XXXX XXXX, XXXX, a successor to Perl Mortgage XXXX Inc ( Perl ) hired XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX to prepare an Assignment of my alleged Mortgage to XXXX XXXX XXXX, XXXX for " good and valuable consideration the sufficiency of which was purportedly acknowledged. 

Please state the full amount of " good and valuable consideration '' in $ $ XXXX and the name of the individual employee who acknowledged this consideration and the amount paid ; and his/her place of employment. 

Please provide me proof of payment of this valuable consideration, such as copy of wire transfer receipt, ACH or cancelled check. 

Please state when and where this valuable consideration was paid, the name of an individual officer who made this payment with his full place of employment ; and the name of an individual officer who received this good and valuable consideration. 

Please provide me a copy of the ledger for the account receivable where this valuable consideration was deposited and a release of lien signed by an individual employee evidencing that I do not owe any money to XXXX or Perl Mortgage
Product: Credit card

This is continuation of my Case number : XXXX on XX/XX/XXXX I specifically was told my citi bank customer service account manager XXXX that my account had been closed. She also added to reopen the account my credit needed to be pulled again. I refused, and said no, I do not think that should happen as I did everything as a customer to resolve the issue 's and I have another credit card active with you so you do n't need to do that. She then recommended I write to the president to request my account be opened without pulling my credit. 

Today XX/XX/XXXX I spoke to XXXX, and she let me know my account was reopened and the bank did pull my credit. I was surprised to hear this, as I specifically told the agent the day before since the bank decided to close my account without notifying me, I did n't want to reopen it if they were to pull my credit and I will handle on my own and write to the president. It did n't matter, Citi bank then opened my citi card account and did n't care and still pulled my credit. 

CFPB, Is that the right way to handle customers? I have banked with them 4 year 's and have XXXX credit cards with them and pay on time. The returned payment was the reason they closed my account but it was ( XXXX ) transactions only because the checking account was no longer active, and I accidentally selected it in error but called immediately to resolve this and offset the negative balance by processing payment 's over the phone. 

I now have XXXX $ in returned fee 's and I requested those to be waived also due to this whole mess or opening and closing my account 's when they feel like it. Please help me, I feel helpless, and I have built my credit responsibility, and my score is now XXXX, I would not deserve the score to be affecte due to citi bank 's error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 3 and 4 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the XXXX charge-off account partial account number -XXXX-XXXX in the amount of {$330.00} on two separate line items on my credit report. ( Please see pages 3 and 4 of the attached credit report. ) This double reporting for the same account is harming my credit score. One of the line items needs to be deleted.
Product: Student loan

These Creditors have been harassing me for almost two years. I have denied this debt. They sent additional attempts to collect debt. I filed for chapter XXXX XXXX Bankruptcy relief and included them. They started sending wage garnishment attempts to my employers. I contacted Consumer Finance Gov regarding this and the company states the account is closed as of XXXX XXXX. So a few months later I receive another attempt to garnish my wages, so I sent information letting them know once again 1 ) this is not my debt and 2 ) I do n't know what these student loans are for. They sent me some information from XXXX XXXX XXXX from when I was enrolled in XXXX ( unsure of exact enrollment time, this is an approximation ). Once I was informed of the school, I wrote them back letting them know the school staff were signing our applications ( evening students ) and receiving loans on behalf of us. I also informed them that is the reason the school was closed. They sent XXXX application packets where I needed to provide XXXX signatures from as close to the date as possible. I was given 60 days from XXXX to submit. However, the company sent another wage garnishment to my employers prior to my 60 day submittal deadline although I faxed all of the application including my supporting documents the day before my 60 day deadline. It took me almost two months to locate anything with my signature dating that far back. Now the company has began emailing me to rehab my loan and are ignoring my discharge due to unauthorized signature.
Product: Credit reporting or other personal consumer reports

I was told by a representative attempting to sell a XXXX XXXX XXXX timeshare that they were going to pull a soft credit on my credit profile and no inquiry would appear on my credit report. The representative lied in an attempt to sell their product I wish to have the inquiry removed from my profile.
Product: Student loan

Throughout the week of XX/XX/2018, I placed multiple calls to XXXX to try to determine what loan numbers linked accurately to the XXXX account numbers. I spoke with XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX, # XXXX and XXXX # XXXX. I received conflicting information on multiple calls as to which loans associated with which name and account number. This transfer has been extremely difficult from a consumers perspective when customer service can not accurately assist in locating payment or relay the correct information. 

After calling XXXX on XX/XX/2018 they informed me that they are no longer forwarding payments to XXXX and will not forward the XXXX and XXXX payments we made to XXXX. Additionally they can not provide information as to when they will refund our monies. In good faith we paid the past due payments to XXXX on XX/XX/2018 making duplicate payments for XXXX and XXXX. 

Furthermore, MEFA continues to not credit my account after I have paid. This is ridiculous. 

I'm in the process of trying to buy a house and this is killing my credit. I'm not sure if they are just completely incompetent or trying to steal my money. I should have to call them every month to help them find the money I paid them.
Product: Debt collection

Portfolio Recovery was sent debt of validation letter, in which they provided statements & the terms and conditions. I then sent a letter asking for the method of which they used to verify the debt w/no response back to that letter. Which I attached in the original complaint. Complaint ID XXXX. Also, I requested the purchase agreement as well as the chain of assignments be provided to me as well, and I have yet to receive that information.
Product: Debt collection

I continue to receive annoying/disturbing/harassing phone calls at my place of business from the Law Offices of Joe Pezzuto ( the number identified in my caller ID is XXXX ). When I answer the phone, they either hang up on me ( this happens repeatedly ) or they continue to ask for someone that I do not know. When I tell them that I have no idea who this person is and that they MUST discontinue calling me at work, they typically just hang up ( and call again ). This is my place of business, and I DO NOT know who this person is that they continue to ask for.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BANK AND XXXX ARE FALSELY REPORTING THIS AUTO LOAN AS OPEN, THIS ACCOUNT PAID IN FULL/SETTLEMENT, CLOSED AND TRANSFER TO XXXX. 

UPDATE OR DELETE FROM ALL REPORTS OR BE SUED SEE ATTACHED LAW SUIT.