23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/20 a voice message was left by a XXXX XXXX XXXX. This writer called the number back at XXXX, wherein XXXX XXXX failed to identify himself, or as a debt collector, and refused to give the name of his company and address until I asked multiple times. In addition, it was found that a hard inquiry was placed on my credit report by EASTPOINT RECOVERY GROUP on XX/XX/20, which was NOT authorized by me in any way, shape or form. You will be receiving a letter and I will expect that this UNAUTHORIZED hard inquiry is removed from my credit report. XXXX XXXX continued to be verbally abusive, yelling at me, not letting me ask any questions, interrupting me when I was trying to say anything, and giving away sensitive information about an alleged debt without verifying who he was actually talking to. This violates the FDCPA in multiple ways. The conversation was recorded and voicemail saved. He claims to have " just received my account '' which was the excuse for why no written communication was ever received by me for this alleged debt. Further, he claims that " you paid on this account for 4 years, and now you are going to act like you've never heard of it ''. Again, he never verified or confirmed who he was actually talking to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX Transunion XXXX XXXX RE : NOTICE XXXX XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to Transunion that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX statutes Reference number XXXX Record type Bankruptcy XXXX XXXXXXXX filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference number XXXX Record type Bankruptcy XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does Transunion allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that Transunion PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Transunion is in violation of the GLBA GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses
Product: Debt collection

I have in collections a debt that is not mine, i have been having identity theft issues since 2018. 

Resurgent receivables LLC is the debt colector for XXXX XXXX  bank. Who i supposably owe {$860.00} reference id is XXXX. I am not responsible for this account, Neither did i approve ant transaction under my identity. 


Please remove.
Product: Checking or savings account

I booked a room on XX/XX/XXXX with my webster checking debit card. On that same day I canceled and it was explained to me by the vendor that I would not incur any fees for canceling since it was same day. I did incur a {$12.00} cancelation fee which I disputed with Webster Bank. I was instructed on XX/XX/XXXX by XXXX at Webster customer service to send an email to XXXX requesting to dispute this charge as I did not consent to it. On XX/XX/XXXX I sent another email for a follow up and just recently on last week. I did not consent to this charge and my banking institution is follow up with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through all of this, it has been a struggle, so I am making this CFPB complaint to ask the credit reporting agencies to totally remove the disputed fraudulent accounts and information from my credit file. How often must I inform the credit bureaus that I was a victim of identity theft and that the accounts I am disputing were the outcome of this crime? I have been requesting from the credit bureaus the removal of the disputed items in order to repair my credit file and the sending of copies of the verification documents in the event that the credit bureaus assert that the disputed items are mine. The Credit Bureaus, however, have let me down and have not sent me copies of the information I have requested from them. Additionally, I have been sending letters of disagreement to the credit bureaus, along with entire identification proof documents and an Identity Theft Report I obtained from the FTC. This CFPB complaint is a follow-up to the one I previously filed with the bureau, and I'm asking the credit reporting companies to take down the disputed entries before I have to resort to legal action. Please fully delete the following entries from my credit file : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Product: Student loan

Dept. of Ed/Navient is reporting unverified student loan accounts on my credit report. I initially contacted them, in writing ( see Attachments ), and requested proof ( documents bearing my signature ), that the accounts belonged to me because I have not personally not conducted any business with any of the parties involved in this debt, and know this debt does not belong to me. 
Navient responded to my request for a signature bearing document with a letter ( See attachments ) stating they no longer service the loan and that it was being serviced by another company called Default Services Group. When I contacted the Default Resources group to try and resolve the issue they referred me to a debt collection company called XXXX XXXX XXXX. I have attempted to contact XXXX XXXX XXXX but as of yet have not received a response. 
Information reported by the 3 major Credit Bureaus in regards to the accounts on my credit file vary greatly from one agency to the next and makes it very difficult to trust the validity and accuracy of the information provided by the Dept. of Ed/Navient, and the three credit reporting agencies. ( XXXX, XXXX, and XXXX ) Case in point my credit reports from XXXX, XXXX, and XXXX shows the payment history of the Dept. of Ed/Navient accounts going from being OK to being 90 days late from XXXX. This is also the period of time where the account was being handled by a Default Services Group ( since XXXX ), and/or XXXX XXXX XXXX, and was no longer being serviced by Dept. of Ed/Navient ( see Attachments ). Also the dates and amounts reported to the 3 Credit Bureaus vary depending on which agency is reporting. 
This serves as proof the information being reported on my credit report is not accurate nor is being properly verified and the law is very clear on this matter and states that information reported on a credit report MUST be ACCURATE. In this case the information is not. Yet these unverified accounts remain on my credit report in violation of both the FCRA ( Fair Credit Reporting Act ). 
All of these discrepancies serve as proof the information being reported on my credit report is not accurate, nor is it being properly verified by in accordance with the law and needs to be removed. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. The practices of the aforementioned companies are highly predatory and violate the FCRA ( Fair Credit Reporting Act ).
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





UNAUTHORIZED INQUIRIES : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I had four accounts with them as of XXXX, XXXX ; two checking and two credit cards.

In regards to my credit cards, I never missed a payment. My payments were all on time, always. I had one card for over four years, and the other was just short of a year. 

In XX/XX/XXXX, I sign onto their app to pay my bills and see that they have disabled BOTH credit card accounts.

I made large payments on both accounts, while I waited to speak with representatives.

I talked to 3 different representatives. I was on the phone almost two hours trying to get an answer as to why the disabled my accounts. 

Finally, I was informed that it was due to a payment return. 

I was never notified or given an opportunity to make this right. 

The payments I made that were returned was a simple accident, as I confused accounts I paid my bills from. Once I realized my mistake- I corrected it ASAP ( within days ). 

I was told I violated their terms. I was a very loyal customer for years and they shut off both of my lines of credit ( without my knowledge ) over a minor mistake. It is unfair for my credit to reflect this step that they took, as I had managed my accounts perfectly prior. I never missed a payment. 

I am not happy about the way that they treated me, and how much damage they did to my credit. 

During this time, I had been working so hard to improve my credit with hopes of finally buying a home in XXXX. 

All they told me is, so sorry miss but theres nothing I can do - BYE *click* I sent so many friends and family members their way - as I loved their 360 banking model. In XXXX, I took 5 of those people from their services, once they heard about how I was treated. 

They lack in customer service. They lack in communication. They lack in empathy. 

5 thumbs DOWN.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Consumer Loan

I applied for XXXX auto loan with your firm and have my credit FROZEN per State and Federal Law. I was informed by GM Financial credit department that on XX/XX/2016 they were unable to pull my report and that I needed to unlock my credit again .... This LIE repeated on XX/XX/2016 and XX/XX/2016. I was deceived by GM Financial into unlocking my report when they clearly ran my credit multiple times when ONLY one time was warranted and authorized. 
GM Financial credit department made a false and deceptive statement to me creating financial damage, stress and harm. 
I have seen with my own eyes that your company in fact lied and deceived me on : GM FINANCIAL Inquiry Date XX/XX/2016 GM FINANCIAL Inquiry Date XX/XX/2016 GM FINANCIAL Inquiry Date XX/XX/2016 ran unauthorized credit report on me. At no time did I ever authorize them to run my credit more than once in FACT I HAD IT FROZEN. 
They have made it impossible for me to refinance my home mortgage that I need to do NOW! Your blatant false statements and actions against my credit are unconscionable and need to be corrected at ONCE!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was bumped XXXX or so points from an inquiry that I did not commit and also never filled out. From a company called prosper I do believe because I received an email from them yesterday XX/XX/2022 saying I didn't meet the requirements for a loan that I never filed for or have ever been to their website. My score was at XXXX and is now XXXX from the error or fraud.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked and requested this information removed off my credit report several times. I want this information removed within 72 hours. I attached the things I want removed and I will also list them here.

I want my customer statement removed as its incorrect and I never provided a customer statement - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX want removed my name should only be on my report 1 time- Transunion I want XX/XX/XXXX and remove XXXX XXXX I want XX/XX/XXXX removed from my report- XXXX I want XXXX XXXX XXXX XXXX XXXX XXXXXXXX removed its non mailable- XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting XXXX XXXX account that is pass XXXX years and should be removed.
Product: Credit card

I tender a payment to Discover in the amount of {$2000.00} on XX/XX/year> via XXXX XXXX MAIL with tracking. That payment was received on XX/XX/year>. Discover has not updated the principal account to reflect that payment and continues to furnish inaccurate information on principals consumer report to third party agencies without do process. I sent Discover a second notice via XXXX XXXX MAIL on XX/XX/year> which was received on XX/XX/year>. Discover has failed to acknowledge payments made to principal 's account nor did Discover send those payments back which means DISCHARGE in accordance with UCC 3-603 Tender Of Payment. This is my last attempt to have discover do what's fair and equitable. If Discover do not update the principal 's account within 10 days I will have no choice but to file a federal claim for securities fraud and report the CFO to the proper bureaus to investigate the principal accounts held with Discover.
Product: Mortgage

I have a mortgage loan with the company " Sierra Lending '' since 2021, and have covered my house with the XXXX XXXX yearly. 

During XXXX and XXXX, Ive informed the Sierra Lending Group Company which is represented by XXXX XXXX, that its my decision to continue with the Insurance Policy generated by the XXXX XXXX XXXX XXXX. 
I previously sent multiple mails informing them ( In addition to the multiple messages exchanged by XXXX, and phone calls with the different collaborators of Sierra Lending, including the owner XXXX XXXX ), my desire to continue with XXXX XXXX XXXX. 

Through all these different ways of communication with Sierra Lending I let them know I want to renew my insurance policy with XXXX. 
I received refusals from them, trying to force me to act against my will, and intervening in a threatening manner telling me who I can and with whom can not to renew my policy. 
The lender cant force me to change insurance ( but is trying to do that ), however they can force me to have coverage and the loan amount to cover the debt. 

The reason why I don't change to another Insurer is due to none respects the same conditions in Fee and the deductible percentage, the cheapest Insurance company costs me twice of the amount XXXX gives me. 
Ive been proactive and had also proposed other types of solutions and were as well rejected by Sierra, example : cancellation of the Escrow Account. 
All these events had directly affect me not only my economic interests, but beyond multiple discussions, my health is currently being affected since I am unfortunately suffering from migraines and stomach ailments.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about an unauthorized credit inquiry conducted by XXXX XXXX XXXX on XX/XX/year>, during my recent interaction with XXXX. 

Despite not providing explicit consent for a credit inquiry beyond the terms of my agreement or prequalification offer, XXXX XXXX XXXX proceeded with an inquiry. 

To address this issue, I request the following actions : Verification of Authorization : Please conduct an investigation and provide documentation demonstrating my authorization for the credit inquiry conducted on my behalf. This should include any signed agreements or consent forms related to the inquiry. 

Removal of Unauthorized Inquiry : If it is confirmed that the inquiry was unauthorized, I request the immediate removal of this inquiry from all major credit reporting agencies ( XXXX, XXXX, TransUnion ). 

Enforcement of Consumer Protections : Ensure that XXXX XXXX XXXX complies with consumer protection laws regarding credit inquiries. Require them to implement robust procedures and training to prevent unauthorized credit inquiries in the future. 

Restitution : As compensation for the inconvenience caused by this unauthorized inquiry, I request consideration for restitution, such as reimbursement for any associated fees or a suitable resolution that addresses the impact on my credit profile. 

I appreciate your prompt attention to this matter and request regular updates on the progress of your investigation and resolution of this complaint. Please contact me at the above-mentioned phone number or email address if you require any further information. 

Thank you for your assistance in addressing this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equafax is saying I have 0 months since last missed a payment. XXXX and XXXX have the information correct as last missed a payment 3 years 4 months ago. No idea why equafax would list this since nothing has changed and none of my accounts have had a missed payment. Its hurting my equafax score and my ability to gain a mortgage. Its a violation of my the fair credit reporting act as well and I will be following up with a complaint to the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 my company had bought a new XXXX  and XXXX  for me through the service provider " XXXX ''. My job shortly after relocated me to south Texas and my service wasnt great at all so I called and called and finally got XXXX  to accept me to return my XXXX and XXXX so I could go get another provider that worked better in the area. I did that and then a year later they hire XXXX XXXX XXXX! They have done nothing but harass me and called me names and lied about the balance which went from {$750.00} dollars to {$1500.00} somehow. I have tried many times and was patient but we have an attorney who asked us to file this and we will be in touch.
Product: Mortgage

My mortgage payment of {$2000.00} was wired to Nationstar Mortgage on XXXX XXXX, 2015. My bank has confirmed the payment was made and received by Nationstar. Due to an incorrect account number keyed in Nationstar was n't sure where to apply the payment so they have said they returned the {$2000.00} to XXXX Bank. I have made numerous calls to XXXX Bank and as of XXXX XXXX, 2015 they have been unable to locate the money so have requested I ask Nationstar that they provide me the routing and account number of where the refund was sent. Nationstar does not seem to be able to or does not want to provide that information. After over XXXX in coming and out going calls and XXXX months later there is still no resolution. However, in the mean time myself and husband have been sent to collections over a payment that was made and received by Nationstar. I have always prided myself on making timely payments and keeping my credit in good standing. At this point I am frusterated and am not sure what else to do. I suggest you go to Nationstar victims or Nationstar bandits take a look at their XXXX reviews its very apparent I 'm not the first victim here. 

If needed I can provide very specific information of the people I 've spoken with at Nationstar, email correspondence records as well as in 5 days I will have from XXXX Bank copies of the XXXX way calls between Nationstar, XXXX Bank and myself. XXXX Bank has told me they have never delt with a mortgage company that is as difficult to deal with as Nationstar. 

Lastly in the " attachments section '' I have attached a time line letter I have sent to someone else who I 've reached our for help as well.
Product: Payday loan, title loan, personal loan, or advance loan

Ive been paying on this loan for over two years. And its not budged but maybe {$200.00}. By this time it should have been payed off or close. I wasnt told about the high interest or paying a little more to get it down. Till after a year and I asked why is my loan not dropping. Then they finally told me and I was already in contract with them.