23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I started receiving calls and voicemails stating the call is regarding a notice to appear in court that will be processed. The voicemail states I am facing allegations regarding my social security number ( Party provided the last XXXX of my social on my voicemail ) in connection with a check, misrepresentation for income assistance. The party states this is the final attempt and is asking me to call for a phone deposition to file for dismal, because the accusing party and their representatives are moving forward to have me severed for legal action. Once I receive an order to appear, I will not be able to dispute the consequence rendered because they can prove I disregarded the matter. 
I currently work for a collection agency in XXXX, Texas. I temporarily retained my company 's general counsel, to contact the company leaving me voicemails. The representative with this company, XXXX XXXX, refused to confirm the name of their company. My voicemail states XXXX XXXX, the representatives provided the name XXXX XXXX and when I called back I was given XXXX XXXX XXXX as their name. After being hung up on multiple times, we spoke with XXXX XXXX 's " supervisor '' XXXX XXXX. XXXX XXXX refused to provide the companies address and eventually stated their company no longer wishes to do business with me and will not speak with me any further. 
Prior to involving my general counsel, I called the company on my own and was informed the debt is for XXXX and is now with United Debt Holdings. I asked the representative, XXXX XXXX, if they were a collection agency, as I was not provided the Mini Miranda and was told they were retained by United Debt Holdings. During the call, I asked if the representative if his company or United Debt Holdings purchased my debt and the party refused to answer my question. 
I attempted to contact United Debt Holdings to verify they in fact are now handling my alleged debt and outsourced my account to another company. I have not been able to reach anyone with this company phone and their recordings prompts me to leave a voicemail including my name and social security number, which I do not wish to do.
Product: Debt collection

This company is trying to collect on something I have no knowledge of. This was a result of an identity theft. I have already send in my FTC AND POLICE REPORT. THIS COMPANY KEEPS HARASSING ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to Experian disputing the information that they are reporting. Everytime they come back as valid. I recently located the response letter from XXXX XXXX which debunks all Experians claims as the information is valid. I have tried over and over again for them to understand the information is not correct and they refuse to accurately research and confirm, they just run it and come back days later that its accurate. I have sent them information over and over again with no truthful results from them.
Product: Debt collection

A cold call from XXXX ( XXXX XXXX XXXX. Claimed to be debt collector for att. Claimed I owed over XXXX. Read off my Name, address and phone number. Requested my social security number. I responded that I had no accounts with att. I refused to give any personal information. I googled the number. It has been reported as a scam by others.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear CFPB, I have recently been denied an application for credit on the basis of my Equifax credit file. According to federal law, I should be able to obtain a free credit report from Equifax. Yet for about the 10th time I have been in this situation, Equifax will not make my credit report available to me online. Each and every time I am directed to a page I am supposed to print out and mail to them together with a copy of my Social Security Number card and driver 's license for further verification. I have done this numerous times in the past. I have also called Equifax a countless number of times and spent hours upon hours on the phone with them trying to obtain my report and resolve this issue. Yet EACH AND EVERY time they deny me access to my rights under the pretense of identity verification. How many times do I need to send them my sensitive documents in the mail ( and risk identity theft in the process )? They do not have a problem verifying me. They are simply trying to make it as hard as possible to obtain free credit reports so as to goad you into signing up for their paid services. This is shameful and I have never been so disgusted with a financial institution in my life. Yet I am captive audience and can not leave to choose another provider. That 's just how credit reporting works. Please note I have absolutely NO PROBLEM obtaining my credit reports on first try with XXXX or XXXX. Please please please force about change at Equifax or shut down this racket!
Product: Mortgage

Have had a home loan from Flagstar for XXXX  years in good standing. Went through a divorce in XX/XX/XXXX. At the same time I was a frontline primary care physician during XXXX. My contract with my clinic was not renewed in XX/XX/XXXX. I had been a physical in good standing for XXXX  years. I was without employment for XXXX  months. I notified Flagstar about my predicament and was unable to make my mortgage payments since XX/XX/XXXX. I have been trying to workout a loan modification with Flagstar since. I began a new full time job as a physician in XX/XX/XXXX. Flagstar keeps denying my applications for consideration. I have been working closely with a HUD counselor since XX/XX/XXXX. Despite our mutual cooperation with Flagstar they continue to shut down my loss mitigation application. They have accelerated my foreclosure and have set a date of XXXX  XXXX. My reinstatement amount due is {$21000.00}. 
Do I not have a right to contest their decision for foreclosure? They are very adamant about records and applications that I have relentlessly supplied. Even my HUD Counselor has become frustrated.
Product: Checking or savings account

I've had issues with this bank before, but given that they're a reputable bank with a branch near my office, I decided to give them a second chance. Opening an account was relatively painless after submitting my government-issued identification and other information. It was only after I had opened the account and deposited my first paycheck that I randomly started experiencing issues. 

First, it started with being unable to log into my account, which I'd been able to do since opening the account. Then, it was an issue of not wanting to download the app on my phone so requesting their personal security device. Then it was an issue of my PIN change not being recognized despite the correct steps I'd taken to have it changed to a number I can actually remember. 

The last straw was when I deposited my first paycheck. I'd been XXXX  for a long time, and I finally found a job. When I went to deposit my first paycheck, it accepted my ATM deposit and then when I tried to log into my account to pay bills, I was locked out of my account. I'd gone to the bank branch and experienced horrible customer service despite being a Premier account holder. 

After no less than six times of visiting the bank branch and calling customer service to try to resolve the issue despite having no time due to starting a new job, I'm trying to force them into returning my money and closing my account at my request. Both requests have subsequently been met with numerous run-arounds claiming identity fraud alert holds on my account despite my very real and legitimate government issued identification submitted at account opening. I've not only had to miss time from work in order to try to resolve this by going to the branch and by calling customer service, but I now have to miss more time off from work in order to open a new bank account elsewhere. 

Sometimes institutions that abuse their power don't deserve a second chance, and this is one of them. I wonder how calmly they'd be willing to hold on the phone for 30+ minutes at a time if their own money was jeopardized by their own ridiculous policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account Number ) 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 accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter for XXXX on acct I assert that this collection account is inaccurate, incomplete, and unverifiable for the following reasons : 1. No Proof of Ownership : LVN Funding has failed to provide any valid documentation proving that I owe the alleged debt. 
2. Violation of Validation Requirements : The collector has not met the legal obligation to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). 
3. Potential Reporting Errors : XXXX is reporting this account without ensuring its accuracy or legitimacy, in violation of your obligations under FCRA Section 611. 
I demand that XXXX : 1. Conduct a thorough reinvestigation of this account. 
2. Provide me with all documentation and evidence supporting the reporting of this account. 
3. Delete this account from my credit report if it can not be verified to the highest standards of accuracy.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Company is in violation of 15 USC 1692, after numerous attempts of sending debt validation letter on XX/XX/2022, XX/XX/2022, and XX/XX/2022. Information was not properly validated. 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 .Company is in violation of 15 USC 1692 as well as 15 U.S.C 1681 section 602 A. 
1.The Truth in Lending Act is intended to inform consumers about the cost of credit. 
2.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

3.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection or any debt.

4.Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer shall not state that such consumer owes any debt.

5.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any.

6.The Truth in Lending Act is intended to inform consumers about the cost of credit.

7.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.

8.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

9.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer Shall not state that such consumer owes any debt.

10.Affiant is aware and has proof in attachment labeled as exhibit A that corporation name violation of 15 USC 1692 . ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates the debt.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am currently enrolled in the XXXX program with XXXX qualifying payments. Today, XX/XX/24, my XXXX credit report dropped XXXX points ( XXXX ). Upon investigation, Mohela, my loan servicer, reported a duplicate loan in the amount of {$54000.00}. My actual balance is {$54000.00} ; the duplication on my credit report has resulted in an increase in balance owed of over {$50000.00}, meaning my balance owed is incorrectly reported as over {$100000.00}, which has grossly negatively effected my credit score.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2020, I purchased a money order sent to my merchant. Was notified that the money was not valid. Contacted the company the automated system told me that the money wasn't accepted because of, an error with the numbers on the money order. When i spoke with a customer service agent I was told that it was good, my merchant told me that western union put a stop hold on it. This has caused me to get highly upset, I keep my bills paid up, on time or before. I don't deserve this from a company that is suppose to honor their product. I should not have to pay for a return because of a error on their end. Really poor business practice, will not never purchase another money order from this company. The company is Western Union.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Employer - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

I am having an issue with NCB XXXX XXXX. They say I owe {$3700.00} From a company called Rise XXXX of California. I don't know what this is, I have never had credit or a loan with this company. 
I have been disputing this with the 3 credit agencies for a couple of years now, I keep getting the answer " Verified as accurate ''. Who verifies this information? It is NOT accurate, I keep saying this but nothing is done. They believe the company over me? Really? I mailed them a letter of validation on XX/XX/2021. I have asked for proof, I get a letter that says " We are unable to substantiate the allegations of this dispute '' I called once, I spoke to a very RUDE lady, she wouldn't tell me anything, she asked me for a SSN, I told her I would not give it to her, she should have it on file. I asked her to give me a different option to verify myself, she wouldn't. I asked her to mail me proof, she said I would get court papers in the mail, I told her FINE. I have never seen anything. I dont know what to do now.
Product: Student loan

I previously reached out on XX/XX/XXXX with a minor inquiry on the payment process and ease of making payments with them as they stripped the app and made it more difficult to access your account right after acquiring Great Lakes. I never received a response to this email still 2 months later. I reached out to them again as I logged in to my account to set up my XXXX payment and found out that my XXXX payment was declined and my account was past due. I've never missed student loan payments until having to deal with Nelnet. I reached out and asked for information as to why my payment was declined as they provided no information as to what was wrong with the payment method. Nothing showed as a transaction with my financial institution indicating a payment was even attempted by Nelnet. I have yet to receive a response other than automated reply they are very busy and apologize for the delay. How far behind are you that my email from 2 months ago still hasn't been responded to? I'm hoping the next payment goes through because otherwise I don't know how else I'm going to pay this loan back. My account is already past due and Nelnet is unresponsive to offer any assistance in what is going on. I can't fix what I don't know is wrong with the payment method and haven't had issues with this in the past.
Product: Credit reporting or other personal consumer reports

This is my notice of dispute to the credit bureaus equifax, XXXX XXXX XXXX  Neither three Cras have given me notice of my dispute recorded in XXXX XXXX 15 USC 1681i : Procedure in case of disputed accuracy Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. 

Which was not done at all this illegal treatment by CRAs wont go unnoticed I am Disputing the following XXXX XXXX account which reporting as a open account when it has been charged off this account needs to be removed for illegally reporting and information disclosed is not public information as I have opted out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to me opting out of my information being disclosed Also XXXX XXXXXXXX XXXX Equifax deleted XXXX XXXX XXXX needs to provide proof of full debt validation no just statement if not proven then remove account I want all accounts deleted or I will be reporting CRAs with the Secretary of State for not giving me a notice of dispute
Product: Debt collection

XX/XX/XXXX enrolled at Indiana University XX/XX/XXXX left Indiana University for financial reasons and they forgave most of the semester tuition except {$4200.00} I paid it down to {$3600.00} in XXXX and had to stop for financial reasons. 

Was placed with a collection agency Recovery Management Services XXXX XX/XX/XXXX paid {$3600.00} toward the {$3600.00} outstanding obligation to IU but was told I owed another {$1500.00} in collection fees? 

XX/XX/XXXX inquired about the fees and requested a statement from IU and discovered they only paid IU {$2500.00} and not what was owed and have a seperate line item for collection fees of {$460.00}. I inquired with them why they only applied {$2500.00} and not what I had paid and they said it doesn't matter what the statement said, I owe the {$1500.00}. I offered to pay the {$460.00} and they said I would still owe the balance ... i refused help..these collection agencies are criminal
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I utilized Equifax for a credit report, as I do every few years from this company. In light of the recent cybersecurity breach, I chose to check if my data was compromised via the website www.equifaxsecurity2017.com. After supplying my information ( much to my hesitation ), I received the following message : Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in TrustedID Premier.
[ Enroll ] For more information visit the FAQ page.
In no way did I authorize for Equifax to distribute or make available my personal information. Historically, I have submitted my personal information, including but not limited to my name, DOB, SSN, addresses, and drivers license numbers to Equifax in secure sessions in order to obtain my credit report.
According to the FTC, this breach lasted from XXXX until XXXX. As a trusted credit reporting agency, Equifax should have notified impacted consumers as soon as the breach was known, so that they would be able to take decisive and proactive measures. Instead, consumers such as myself will have to act in fear and with the potential for significant losses.