23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Caine and wiener collecting a debt for company I am requesting they remove any negative items from all credit reports immediately firstly I did my find their license to collect debt in New Jersey and they have failed to validate themselves with bond, contract, license info to validate this debt. Also I. Violation of FCRA in sharing or obtaining my personal information without contract. Also on report it said paid closed and also balance thats incorrect reporting on top of identity fraud. Im not looking to sue just want everything respectfully removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts ; XXXX XXXX Dept of Education XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX AUTO # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX Account # XXXX ( Reporting Late Payments/transactions to credit bureaus without consumer consent ) XXXX XXXX XXXX Account # XXXX ( Reporting Late Payments/transactions to credit bureaus without consumer consent ) XXXX XXXX  XXXX XXXX XXXX Reporting Late Payments/transactions to credit bureaus without consumer consent ) THE HOME DEPOT/CITIBANK Account # that XXXX XXXX XXXX XXXX Reporting charge XXXX  account as well as payments and transacrion history ) 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 Section 2. It Also states that 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 the following items of information. Any other adverse item of information, other than records of conviction 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 or other personal consumer reports

I am the Beneficiary and Surety with equitable interest in the XXXX XXXX XXXX consumer report that is being furnished by XXXX, TRANSUNION and XXXX ( CRAs. The CRAs are furnishing this consumer report, divulging private information without the express written authorization of the Surety. This unauthorized activity by the CRAs has caused serious harm. This is our NOTICE OF INTENT TO SUE to seek equitable remedy for our injury if CRAs fail to CEASE & DESIST reporting without the consent of Surety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bankruptcy appears on record with credit reports, old debts included in bankruptcy still not removed, statue of limitations for past resolved debts are part of report which was part of refinance in XXXX for vehicle. Derogatory report that violates my hiring process.
Product: Debt collection

Net credit has a predatory loan business model plain and simple. On XX/XX/XXXX My ex husband needed an emergency medical loan for {$3000.00}. The fastest option was net credit at a % 150.32 XXXX rate. Sadly he took it under my name. This company was paid {$8000.00} from my account Between XXXX. 
On XX/XX/XXXX I made a {$1200.00} Payment under the assumption that this would take care of my balance. It didnt and they just piled on interest for another year & 3 months. Realizing this company has taken advantage of someone in financial trouble. I stopped all payments on the date of of XX/XX/XXXX. They then collected interest on the total for 15 extra months from the last payment date made to them. sold it to a collection agency in the amount of {$4600.00} to land on my credit report XX/XX/XXXX. Net credit solutions now shows another derogatory mark for this loan that claims to have been sold to them on XX/XX/XXXX. This company has haunted me and cost me so much XXXX anguish, sorrow & frustration. Now this loan has been sent to attorneys office of Arkansas as of XXXX years ago which I had NO idea about!! I had to call them! No response from net credit or XXXX XXXX. So I may have to go to court in Arkansas over this?!! Please help. This is absolutely disgusting as a consumer and this company needs to be questioned and investigated. They are supposed to collect from the date of the last payment made. They have lied and said I made a payment in XXXX. Not true. That has given them the opportunity to hold this over my head even longer. They should not be in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer, enforcing my God given rights which were violated by the company Credit Management LP. 

Please refer to the attachment to see my complaints.
Product: Credit card or prepaid card

I have sent multiple requests through the secure message center to receive a paper statement and bill They continue to tell me that if I don't have a balance there will BE NO STATEMENT. The website says its available online but it is not. I NEED MY PAPER STATMENT FOR BANKING PURPOSES. I have requested the same by phone and I'm told they can send it it. NOTHING
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX MAIN XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Product: Debt collection

I am charged for the amout of {$420.00}. On the charge card statement there is no explanation for this fee. On XXXX XXXX Capital One has me credited for {$400.00} but the credit card number is different. The description is XXXXt XXXXPA. On this same statement his bank has me owing XXXX  {$400.00}. The account number is different. This XXXX charge remains on the new credit card account number. I do not know nothing about this charge.
Product: Credit reporting or other personal consumer reports

TransUnion has incorrect and inaccurate information on my consumer report. For instance, they have third part collection companies as verifying information on my report. I've never done any business with XXXX XXXX, XXXX Resolutions investments, and XXXX XXXX XXXX ) as verifying information on my account. I have NEVER done business with any of those companies, neither did I authorized the original creditors to sell my information to these third party companies. I requested validation of debt from those companies over XXXX now, and I am yet to receive the requested information.
Product: Credit card

Someone tried to open a chase amazon visa in my name, I called chase after I got an inquiry alert from my credit monitoring service, notified them that it was fraud because I never applied for the card. I do n't have enough information to file a police report which I need to place a freeze on my credit reports. They will provide any information to me
Product: Credit reporting

My Experian " XXXX XXXX XXXX '' shows that on XXXX/XXXX/15 XXXX XXXX reported a new account under my name, the balance being {$38000.00}. ( Please see attached screen shot ). I never opened an account with XXXX nor did I take out any financing that might be underwritten by XXXX. 
I assume this to be a case of identity theft / identity mismatch. I took it up with XXXX XXXX who could not find an account held by me, XXXX XXXX XXXX referred me to Experian. 
I further discussed the case with Experian, as the account does not appear on my credit report, but only in the " XXXX XXXX XXXX '', I can not file a formal dispute.
Product: Mortgage

I have received many calls from Flagstar Bank from a number not listed on their website. 

They ask me for personal information to verify who I am. This is a huge compliance issue. 

When I called them back at the number listed on their site they told me that I had missed a payment months ago. When they looked further into it my bank had reversed the payment for unknown reasons. 

However, I had made the payment through their portal each month, I received a text stating they payment had been made and every month after that I was only prompted to make my normal payment. 

I have now taken a huge hit on my credit score, I have hundreds of dollars in late fees and I have spent hours on the phone trying to unravel this. 

Flagstar is not willing to work with me unless I jump through many more hoops, regardless of their failing to notify me or provide clear details about what I owe and when. 

They are also in gross violation of privacy requirements.
Product: Debt collection

XX/XX/XXXX in the afternoon. Contacted corporate with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last Four of Social : XXXX Account Number : XXXX Dates of Delinquency : XX/XX/2019 The consumer is violating my rights under the FCRA to conduct a reasonable reinvestigation and told me via email that they do not have to response to be inquiries regarding the delinquency on my credit profile. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. ( Thomas v. Hyundai Capital Am. ) My inquiries about the delinquencies on my credit profile are not frivolous. 
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating : Account Number : XXXX Dates of Delinquency : XX/XX/2019 Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please tell me how you verified these items. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Please delete let late payments on the account immediately.Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 

Best Regards,
Product: Debt collection

the year of XXXX? I was buying a car from XXXX XXXX XXXX. The cost was {$15.00}. The car was repro. Sold at auction for {$3000.00}. Portland Credit, INC and XXXX XXXX, is garnishing my paycheck. They have taken over {$20.00} from me. I am a father of XXXX children, this is a hardship on my family. If they have taken, over {$20.00}, they should give me a car worth the amount they taken from me. I do not have the car! They keep resubmitting the same paperwork threw the court, and they never show, how much they have taken from me.
Product: Debt collection

Identity was stollen twice while XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX XX/XX/2023 both accounts opened in XXXX  . Disputed both on credit report, filed police report, and am fighting other collections count in court in XXXXXXXX XXXX. One was for a dirt bike place financed through XXXX and the other was a delinquent electric bill that they refused to give me information on
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used on XXXX XXXX. 
I have filed a police report and FTC complaint and they refuse to remove these fraudulent items from my credit report. 

ACCOUNTS REPORTING TO EXPERIAN : XXXX XXXX XXXX XXXX THEY MUST BE REMOVED AND VOIDED IMMEDIATELY.
Product: Debt collection

XXXX XXXX XXXX called me on XX/XX/XXXX and XX/XX/XXXX *I asked them to stop calling me and to only communicate with me in writing *I sent a certified letter asking them to discontinue calling me and all further communications should be done in writing. 
*The certified letter was received on XX/XX/XXXX ( tracking # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX continues to call and I have two voicemail messages from them on XX/XX/XXXX lasting 20 seconds and on XX/XX/XXXX lasting 31 seconds.
Product: Student loan

I have over {$130000.00} in school debt. I worked with the XXXX and XXXX from XX/XX/XXXX-XX/XX/XXXX. All were with XXXX and XXXX children. I applied for loan forgiveness and I was denied several times over. I 'm not in the business of making a lot of money. I 'm XXXX. I should have a significant amount of my loans forgiven- at least XXXX. I 'm still in XXXX and still helping children. What I have in my XXXX is LESS than what I owe. I will be paying until I die, and I wo n't be able to leave my children without debt. Is that not why we are encouraged to pursue higher education? I was sold false hope, but I did not give up. I 'm still striving for children, and I have debt to show for it. It is n't right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX does not report to the credit bureaus each month. I complained to them and they said they do, but each credit bureau is telling me that they have not reported, one since XXXX, XXXX since XXXX and the other since XXXX. I have paid over {$10000.00} on that account since then and would like the information to be accurate since this is affecting my credit score negatively.
Product: Debt collection

I received an alert today that my account balance with Midland Funding LLC went from {$1500.00} to {$1500.00}. This debt account was opened on XXXX XXXX, XX/XX/XXXX according to my credit report. Upon further research, this company has pulled my credit information several times but continued to send all mail to an older address since XX/XX/XXXX All of sudden they have my correct address in XXXX XX/XX/XXXX, and they obviously did not get it from me because I never heard of them until XXXX XX/XX/XXXX when I was summoned with a XXXX XXXX from the XXXX 's office. I called the XXXX XXXX a few days later to see when the mediation order was set up by Midland. The clerk told me that Midland had yet to set up a mediation at the time, and that I would be contacted soon they did. In XXXX XX/XX/XXXX, I received a Plaintiff 's XXXX Request for Production of Documents and sent the documents back to XXXX XXXX who was the person contacting me from XXXX XXXX XXXX. As I stated earlier, I have not heard from this company since then and got an alert today on my credit report that Midland Funding LLC has added additional fees when I have not heard from them in over a year. My affidavit shows a lower amount than what they are trying to collect from me. This was a charged off account, and I have not heard from this company since XXXX XX/XX/XXXX
Product: Credit card

I had an XXXX business and it fell through because I had a client XXXX at my property. so my lease was terminated. after that situation my financial situation went down the drain. and a month after that I got into a XXXX XXXX and their insurance company took 3 months to get my truck fixed. after those situation I became homeless. I had to move back home with my mother to get my life situated. mind you I'm a single father of XXXX boys.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THIS ACCOUNT XXXX XXXX XXXX XXXX XX/XX/2021 Date Opened I DONT RECOGNIZE THESE INQUIRIES 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

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. 

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

Dear Sir or Maam : Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( XXXX ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Product: Debt collection

American Express billed me fora debt that is not mine. I filed a complaint with ConsumerProtection Agency and AMex closed all my Credit Cards which I have kept a XXXX balance for years and also reported it to the credit bureau. This was not my debt and now my credit score which wS over XXXX has dropped to XXXX because they were upset about me filing the complaint and now they have turned it over to an outside collection agency without notifying me. I did not make this debt yet they are holding me responsible.
Product: Credit reporting

Their are XXXX inquiries that I did n't authorize XXXX 's XXXX XXXX to put on my credit report.
Product: Debt collection

XX/XX/ 2017 from receivables performance.

amount {$640.00} Original creditor name is XXXX XXXX XXXX XXXX. 

I contacted to the collet company already. They didnt see any debts on my name or my credit history. I dont even know that either. 
Id like to know how it shows on the credit score checking website.
Product: Mortgage

We have an ARM that adjusts each year in XXXX. The terms of the loan say it adjusts once a year. The new rate is determined in XXXX and the new payment amount starts every XXXX. We have never been late or missed a payment. We received a letter dated XX/XX/XXXX letting us know the rate would go from 6.5 % to to 7.5 %. From the letter : " Under the terms of your Adjustable Rate Mortgage ( ARM ), you had a 12 month period which your interest rate stayed the same. That rate ends on XX/XX/XXXX, so on that date your interest rate changes. After that, your interest rate and payment change every 12 months for the life of your loan. Your interest rate is scheduled to change again on XX/XX/XXXX, which will be reflected on the account information on your monthly billing statement. '' Our new payment amount reflected this higher interest rate. Our interest rate increased to 8 % starting with the XX/XX/XXXX payment. They said they made a mistake when they calculated the rate in XXXX and it should have been 8 %. The contract says the rate changes once a year on XX/XX/XXXX by a rate determined in XXXX. 

I have called and tried to talk to a person, but I can get past the automated system. I was able to chat with XXXX person, they basically said they changed it to XXXX, nothing else they can do and they appreciate my feedback. I submitted an email message on their website, but expect the same type of response.
Product: Debt collection

The recorded caller does n't identify who they are with. The recording gives a name that I do n't understand but does n't sound like our name. A XXXX of the # reveals XXXX XXXX XXXX XXXX. This happens XXXX a day, every day. It rings XXXX times and stops. I 'm tired of it.