23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was harassed multiple times during the day from multiple numbers of the same Reel Capital employees. They left messages with personal information and treated me with a warrant like I was some kind of criminal. They called a family member that I have no spoken in over a decade. They harassed my boyfriend. They also harassed and left messages on my mother 's voice-mail and scared her almost to death. Every message was the same and relayed personal information then threatened that they will send a warrant for my arrest. I had to change my personal phone number just to be left alone and so they called my mother even more. I am so upset and they need to be reprimanded. I talked to a supervisor once and asked what they were contacting me for and she put me on multiple holds and wouldn't tell me what the call was regarding. My mother called back and she would not tell my mother what the situation was regarding eirher. If you are harrassing someone the least you can do is tell them why you're harassing them! I am also 5 months pregnant and I had days I was so stressed out from them that I worried about the health of my child. This is what caused me to change my number. Then they harassed my family members who brought more stress for me and my unborn child. I have attached a picture of one days worth of calls all from the same debt collector. It totals to 9 calls in one day.
Product: Mortgage

XX/XX/XXXX contacted Gregory Funding regarding taxes not paid and return of my escrow monies. They had not paid my taxes when they took over the loan on XX/XX/XXXX per documentation attached. There was enough in escrow at that time as the escrow was also transferred. I contacted Attorney XXXX XXXX and she had a hard time communicating with them as they were telling her she could not speak on my behalf even with me in the room giving permission. She was told in Texas that is against the law. However I did send them by fax, mail and portal a third-party authorization letter. Even with the letter they refused to talk to her. Our main thing was to get the taxes paid, find out who is my mortgage lender since Gregory Funding states they only service the loan, and return my excess in escrow funds. GF finally paid the taxes a day before legally Texas could of placed my account in foreclosure as they knew it would take a day or XXXX to process. Gregory Funding is very hard to contact. At XXXX am I am the XXXX caller. XXXX XXXX from Gregory Funding said my escrow would be in review in XX/XX/XXXX, however, that is over a year from having my account transferred to them. These people are not professional, and told me " well the taxes are paid now, everything is okay '' as if I was just to accept when they paid and be quiet. Also Gregory funding stated that XXXX held my mortgage, but they would not respond to attorney 's inquiry. Copy of attorney 's email to them is also attached. I also make additional payments to principal, but they put all extra monies into escrow and what they call an undetermined account. If I ask for monies to go to a specific place i.e. principal, then that is where they should go.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # : 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My First letter was noterized and sent via certified mail on XX/XX/XXXX and Another letter sent notarized via certified mail XX/XX/XXXX and Please be advised this is my 2nd written request to the credit bureau and reporting agencies and the unverified items remain my credit report violation of federal law. It is understood that under the FCRA They are required to have a copy of the original creditors documentation on file to verify the information is correct and is mine as results to the 1st investigation they stated in writing that they verified these items being reported correctly When I inquired who verified these accounts or how they were verified I was met with extreme condensation and attempts at intimidation The investigation took longer than allowed they have not provided me with a copy any original documentation, signature, or contract nor any results of the second investigation supposedly conducted required under section 609A1A and section 611 5A of the FCRA which requires them to promptly delete all information which can not be verified. now the laws very clear on the civil liability and the remedy available to me for negligent noncompliance also in section 617 if they fail to comply With the statute therein. In attempts to verify some incomplete and inaccurate data on my files they have manipulated my information to match these accounts which I was a direct witness to in and in reply they said they were just doing their job which was quite disconcerting to me knowing that this data is inaccurate and has been proven thus forth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries have been showing up on my credit file that I have not authorized. I have contacted every single company listed and not one has removed them from my credit reports. I have been a victim of identity theft and want them removed so I contacted the credit bureaus directly and they have yet to remove them. Please help me. My credit is ruined do to this and I am in need of help with this situation.
1.   XXXX   XXXX   XX/XX/XXXX  2.   XXXX   XXXX    XX/XX/XXXX  3.   XXXX   XXXX     XX/XX/XXXX 4.   XXXX   XXXX   XX/XX/XXXX 5.   XXXX   XXXX   XXXX    XX/XX/XXXX  6.   XXXX   XXXX   XXXX    XX/XX/XXXX  7.  XXXX   XX/XX/XXXX ,  XX/XX/XXXX  8.   XXXX   XXXX     XX/XX/XXXX ,  XX/XX/XXXX 9.   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX 10.   XXXX   XXXX    XX/XX/XXXX 11.  XXXX   XX/XX/XXXX  12.  XXXX   XX/XX/XXXX 13.   XXXX   XXXX   XX/XX/XXXX  14.   XXXX   XX/XX/XXXX  15.  XXXX   XX/XX/XXXX 16.  XXXX  XX/XX/XXXX ,  XX/XX/XXXX  17.   XXXX   XXXX   XX/XX/XXXX 18.   XXXX   XX/XX/XXXX 19.   XXXX     XXXX   XXXX     XX/XX/XXXX ,  XX/XX/XXXX  20.   XXXX   XXXX    XX/XX/XXXX  21.   XXXX   XXXX   XXXX     XX/XX/XXXX 22.   XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX 23.  XXXX  XX/XX/XXXX ,  XX/XX/XXXX  XX/XX/XXXX ,  XX/XX/XXXX   XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX .
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the XXXX XXXX company Numerous of times and explained to them that I have been a victim of their " inquiry issue ''. I stated to them that i did not authorize anyone to use my information and did n't have any knowledge. I asked they remove them. 

1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer 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, XXXX, Equifax 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 Accounts : XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$10000.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$3100.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$2100.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$2100.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1900.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1100.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$690.00}, XXXX XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX Bal. {$570.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX Bal. {$490.00}, XXXX  XXXX  XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$310.00}, XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$280.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$280.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$220.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$110.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i have asked LEXISNEXIS RISK SOLUTIONS a copy of my report because they say that they were unable to verify me they did not ask for any other information beside my name, social security number, DOB, address and license number they did not ask me for any copies of anything. 

I need a copy of my consumer report to verified everything is accurate attached a copy of my ID and a utility bill
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to request the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and details should not be reported as they violate both the FDCPA and FCRA regulations. I insist on the immediate removal of these items to rectify this breach of multiple laws. Please take the necessary steps to remove these accounts and information from my consumer report without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} - The entire account status that is currently reporting on my own credit record is having a grave damage impact on my personal capability to obtain approval to obtain a new loan request, please be sure to have evidence that this has been recorded accurately in accordance with the Fair Credit Reporting Act procedures, it's really a very serious matter to miss-report. I desire to ask your verification of the above mentioned item also. If you can't examine this information as being 100 % exact I highly recommend you delete this straight away. 

XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} - The actual account position which is recently reporting on my credit document is having a drastically negative affect on my personal chance to get hold of affirmation for just a new loan application, you should produce proof that this has been reported perfectly in accordance with the Fair Credit Reporting Act recommendations, it is a crucial thing to miss-report. On top of that I'm not thoroughly aware about the particular date opened therefore I prefer to request your verification with the formerly discussed item also. If you fail to prove this information as being 100 % precise please make sure you delete it completely! Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  a tax lien was filed against me in  XXXX   County Superior Court.  This tax lien was released in  XXXX  and should have been removed from my file 7 years from the date of filing ( which would have been  XXXX   XXXX ,  XXXX  ). Both  XXXX  and   XXXX   are refusing to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


XXXX XXXX Finance Date Opened XX/XX/XXXX Balance {$46000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$870.00} ; XXXX XXXX XXXX  XXXX Balance : {$18000.00} ; XXXX XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, requires us to remove any inaccurate accounts from my credit report. Could you please verify the documents? Some of the listed accounts have inaccuracies in reporting, with incorrect amounts and dates.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 tried to send XXXX to XXXX XXXX  XXXX  and on XX/XX/2020 I tried to open an acron account. Recieved notice about 3rd party being blocked.
Product: Student loan

I have a student loan that was consolidated in 2007, I shopped the loan to different lenders.The best quoted interest rate was 2.2 percent so I told that person I would do that loan. I was supposed to get loan documents to sign and send back, I never received any. Instead I received a payment book. So I paid on this loan with electronic payment for 11 years till last year when I received an offer to lower my student loan from the better than 7 percent interest I was being charged. I talked to AES and they told me that was the percentage rate. I have informed them that I did not sign the promissory note and that they really needed to honor the quoted rate as they did not have legal documents to secure the loan. They then sent me an incomplete promissory note with an interest rate of 7.1 percent. Of course there is no signature, my social security number, my employer at that time, the company offering the loan, my drivers license, my email. So the loan documents they provided to me are pretty much legally useless from there perspective. I would have never ever even considered consolidating at an interest rate much higher than I was paying at that time. This loan was consolidated at 7.1 percent interest without my approval or signature and the loan documents provided by AES are not legally binding. They do however illegally report it to the credit bureau which requires that the loan is legally held, and knowing this they still report it thereby committing fraud.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account numbers XXXX and XXXX, have both violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

US Department of Education and Mohela both have the same student loans listed on my account # XXXX over 10 times. All for various amounts! I find this to be very deceptive and a violation of the FDCPA as reporting the same loan multiple times going back as over 16 years to keep this on my credit reports is not fair or ethical.
Product: Checking or savings account

My bank account was compromised and my XXXX XXXX money was sent to another user. Wells Fargo said denied my claim stating I authorized the transaction, and because XXXX XXXX is a third party they could not dispute it. I also submitted a claim with XXXX XXXX and they said there was nothing to be done on there said.
Product: Credit reporting or other personal consumer reports

The account below is reporting as Charged-Off Bad Debt. A charge-off according to Title 26 of United States Code subsection 61 ( 11 ) is considered gross income. Income is not a reported on consumer reports! 

Under FCRA there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. The credit reporting agencies have failed to exercise their responsibilities in respecting my consumer rights by reporting gross income on my credit report. Also the furnishers of that information have not upheld their required duty to ensure maximum accuracy of information they furnish in relation to my consumer report according to 15 U.S. Code 1681s2 ) a ) 1 ) A. Knowingly furnishing information that is considered gross income under United States codes is a violation of 15 USC 1681c in terms of the required of information contained in a consumer report, 15 USC 1681e ) b in terms of the accuracy of the report, and 15 U.S. Code 6802a in terms of privacy as gross income is protected as a non public personal piece of information which can not be shared with non affiliated third parties. The account in question is below Creditor XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Principal Amount : {$7000.00} Status : Account Charged Off The rights of a consumer in relation to fairness and accuracy of credit reporting are protected under FCRA and both the Credit reporting agencies ( XXXX, XXXX, and XXXX ) and the financial institution are in violation of depriving me of my rights under Title 18 USC 242 by reporting unfair and inaccurate information to my consumer report and not deleting the information once it has been previously disputed. The acts of deprivation have caused damage financially to my person and has limited my persons rights to liberty and the pursuit of happiness, in acquiring consumer goods, which is protected under the Constitution.

I am offering an opportunity to cure the damage caused by your person to my person by requesting the deletion of the accounts mentioned above from reporting on my consumer report. If there is willful noncompliance with the request made, as a result of exerting my consumer rights which have already been disrespected, civil action for the deprivation of my rights will be taken in addition to the civil penalties that are required under FCRA and FDCPA. 
Please take action in the time allotted by FCRA which is 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

i provided my info to someone via XXXX who said they do in house mortgages back in 2014 and they have opened accounts in my name the XXXX page is no longer available nor a contact namber
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking with the furnisher Chrysler Capital it appears there are several inaccuracies reporting on my credit reports between the bureaus. 

The inaccuracies are as follows : The date opened shows XX/XX/XXXX. However on 2 of the bureaus it is reporting XX/XX/XXXX ( I had not even inquired at this time ) The date last active do not match up as well The date of last payment shows XX/XX/XXXX on two bureaus and XX/XX/XXXX ( Which is correct? ) XXXX of XXXX XXXX bureaus are reporting 30 days late and one is reporting ok XX/XX/XXXX bureaus are reporting ok and one is reporting 30 days late XX/XX/XXXX XXXX bureaus report 30 days late one reports ok XXXX of XXXX 2 bureaus report 60 days late one reports 30 days late
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I went on the online portal of Optum Bank who administered my then XXXX with XXXX XXXX. Through the portal I made a payment of {$45000.00} to a medical provider. This transfer is showing on my XX/XX/2021 statement, but it never arrived at my providers office. They have been very patient, but my account is about to go into collections now, if I can not prove that I made the payment. 
I have called and emailed Optum Bank multiple times, and they always assured me that the payment had been made and that they would send me proof of the transaction via email. I never received a single email from them ; and yes, I checked my spam folders. 
In addition, they offered to send the documentation directly to the provider. Needless to say, nothing ever came through. 
If Optum Bank does not provide me with the necessary paperwork, I will have to pay the amount again, just to prevent it from going to collection.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>