23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I previously had an account for internent service with XXXX but I closed the account in XXXX and paid the balance in full. However, in XXXX I received a bill from XXXX stating that I have an out standing balance I ca n't remember the exactly amount but I think it was about {$38.00} I called them we argued but they told me that I was billed for the month on XXXX even though I had cancelled my account. because I did n't want to have any problem with my credit, I paid the amount in full the requested. but in XXXX I reveived another bill from XXXX again so I called them right away on wednesday XXXX XXXX 2015.After they transferred me XXXX different places, I finally talked to XXXX of their agent called XXXX. she told me the account was set up in XXXX so I asked her how the account was set up under my name with my address and all my information without my concern? but she did n't give me any definite answer, she just said maybe it was an error. however, she to me everything was taken care of and there is nothing to worry about. she give me this confirmation number ( XXXX ) that the account was closed and everything was clear. At the end of XXXX, I received another bill from XXXX but I thought maybe it was sent before I talk to them in XXXX so I ignored it, however early this month, i received another bill from XXXX again and this time I also received a litter from collection again attempting to collect a debit ( here IC system, account # XXXX ) I also called them but she demanded me to pay the balance of {$120.00} which I told I do not own, so I told her I will called XXXX I hanged up and called XXXX right away an agent name XXXX XXXX answered the phone, I explained everything to her she told me it look like it is system error becauses the account showed it was cancelled in XXXX, so I asked her to please transfered me to the manager, so she transferred to another agent name XXXX, I spoke with XXXX for about five minutes before i realized she was not the manager, I asked to transferred to the manager but she said the manager was in the meeting and asked for my contact number to call me back whenever the meeting is over, I gave her my number and asked for the manager number in case they do n't call me so I can call them because they have done it to me before and they never call me back.But she refused to give me the manager or any direct call back number, I to her please give me the manager number so that I can call back whenever he/she finishes the meeting, she said there is no direct number and hanged up on me. 
So please I really need help for someone to question these people why are they doing this, and secondly clear my name and all my information in their system, I do n't trust them any more and I do n't want them to have any of my information in their system. thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing this letter to formally dispute the information contained in my consumer report, as provided by your agency. After a thorough review of my report, I have discovered that undisclosed personal information about me has been shared with a non-affiliated third party without my explicit written consent. This discovery raises serious concerns as it appears to be a violation of the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. In accordance with the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to be informed about and control the disclosure of my personal information. The disclosure to a non-affiliated third party without affording me the opportunity to opt-out, as mandated by law, is a direct infringement on my privacy rights. Upon meticulous examination of the report, I observed that specific accounts are being reported without my explicit written consent. It is essential to clarify that my dispute is not with the creditor but with your reporting agency for disseminating and reporting information without proper authorization. I specifically refer to 15 USC 1681b - Permissible Purpose, which mandates a consumer 's written consent for the reporting of personal information. As of now, I have not provided such written consent, and I request documentation to substantiate my consent, thereby ensuring compliance with this legal requirement. Failure to provide evidence of my consent could be interpreted as a violation of my rights under the FCRA. I am under the belief that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially constituting identity theft. In accordance with 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within five ( 5 ) business days from the date of this letter. I emphasize my right to a fair and accurate credit reporting process, and the swift removal of this account from each credit bureau is crucial to rectifying the reported inaccuracies. Furthermore, I request documentation regarding your method of verification for the disputed accounts and records showing proof of my option to opt out of the information being reported in my consumer report. This will ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. I anticipate your prompt attention to this matter and the resolution of my dispute within the specified timeframe of five ( 5 ) business days. Non-compliance with the provisions of the FCRA may result in further legal action. Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

reporting a charge off on my credit report as a balanced owed
Product: Vehicle loan or lease

In XX/XX/2023 basically I had contacted truest and reference to I had a financial hardship and I needed to get some of my payments pushed to the end of the loan they agreed to do it but I could pay XXXX so I told the associate at the time because I had to file a complaint to you guys then I told them that I could pay XXXX but XXXX XXXX and XXXX I couldn't pay so she agreed to give it to me that you know I paid them fine so moving forward in XXXX like I agreed when the payments resumed I end up paying them two payments for XXXX and XXXX I paid like the XXXX of XXXX and like the XXXX of XXXX what they did was and they refuse to fix this and I'll give him fix my account or calling me I have spoke to several different people you can see this a lot of red like evidence on my account with basically they have credited my account several different times but yet they still saying that I owe them for XXXX and XXXX to payments and like I told them y'all basically took all two payments XXXX  XXXX payment and then just took the other whole almost {$900.00} it was {$840.00} something dollars they took it for just interest and it wasn't right people do not have money that's like that and you shouldn't be taking people 's money like that and then refuse to fix it and then have all these people including supervisors see what's going on and say they will fix it but they refuse to fix it people do not have money like that that's why I was in the hardship I don't have money to just give somebody and now they're trying to say that we owe two payments
Product: Credit reporting or other personal consumer reports

There are hard inquiries from several companies I do not recognize. Such as, XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been a with DISCOVER FINANCIAL SERVICES customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account on date XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last 4 years, I would like you to consider removing the negative payments from my credit reports per XXXX, XXXX and XXXXXXXX. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, National Credit Adjust # XXXX, XXXX XXXX XXXX # XXXX, XXXX. # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  # XXXXXXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX 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 which I have not furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1993 SS # : XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to request your intervention in a matter concerning violations of consumer protection laws and the improper reporting of unverified accounts on my credit report. I believe my case exemplifies the urgent need for enforcement of these laws to safeguard consumers like myself. 

XXXX XXXX Account Number : XXXX Violations : Violation of FCRA Section 611 ( Procedures for Reinvestigation of Disputed Information ) and FCRA Section 623 ( Responsibilities of Furnishers of Information to Consumer Reporting Agencies ) The account name and number associated with the above account have raised concerns about the accuracy of the reporting. Despite my diligent efforts to seek clarification from the creditor, no resolution has been reached. This has resulted in a significant negative impact on my creditworthiness, affecting my ability to secure loans and housing. 

XXXX XXXX Account Number : XXXX Violations : Violation of FCRA Section 605 ( Requirements relating to information contained in consumer reports ) and FDCPA Section 807 ( False or Misleading Representations ) The account in question, belonging to " XXXX XXXX, '' has proven unrecognizable to me. I have undertaken thorough investigations to determine its legitimacy but to no avail. This lack of verification has cast doubt on the accuracy of my credit report and has hindered my financial prospects. 

These violations not only infringe upon my rights as a consumer but also have tangible repercussions on my life. Allow me to share a deeply personal story that underscores the emotional toll of these inaccuracies : [ Share your personal story here, detailing how the inaccuracies on your credit report have affected your ability to secure housing, obtain loans, or pursue other life goals. Emphasize any emotional stress, frustration, or challenges you've faced. ] In light of the above, I earnestly request your intervention to enforce the legal rights afforded to consumers under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ). Specifically, I request that you compel the creditors to promptly investigate and rectify these violations by removing the unverified accounts from my credit report. 

I appreciate your attention to this matter and the invaluable role you play in safeguarding consumer rights. I kindly request that you keep me informed of any actions taken to address this situation. Please feel free to reach out to me at [ Your Phone Number ] or [ Your Email Address ] for any further information. 

Thank you for your time and consideration. 

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

On XX/XX/2018 I submitted an initial dispute to all three credit bureaus, specifically requesting the validation of debt that I was disputing on my credit report and the removal of such accounts is the proof was not produced. Part of their investigation involves them forwarding the dispute to the company. On XX/XX/2018, I sent a second dispute letter to all bureaus reminding them of the fair credit reporting act and their obligations as companies that furnish such information. I have yet to receive any proof of this debt/ account I am disputing. The 30 days for each letter has passed and the dispute has not been handled properly under the consumer laws of the FCRA. This specific account I am disputing has been deleted by the original creditor after investigating a dispute, and has made it to the collections section of my credit report which is heavily damaging my credit score. This company has failed me as a consumer by not complying with my consumer rights by continuously reporting unidentified and unverified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the consumer reporting agencies regarding fraudulent inquiries reporting on my consumer report, and I filled an identity theft report that is attached below, and I also filed a police report with the XXXX Police department, still waiting for that report to become available. The fraudulent unauthorized inquiries are listed in the identity theft report attached below with dates the fraud was committed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, SS : XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. The fraudulent, inaccurate, and false information consists of the following accounts : ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, Account Name : XXXXXXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX, Account Name : XXXX XXXXXXXX XXXX, Account number : XXXX Date opened XXXX, Account Name : XXXX Account number : XXXX, Date opened : XX/XX/XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX, Account Name : XXXX XXXX XXXX Account number : XXXX Date XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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. To support my claim 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: Debt collection

Called on XX/XX/XXXX and doing the year tried and asked for information to settle the debt. to get removed {$450.00} XXXX XXXX account XXXX
Product: Mortgage

I completed a loan modification following a covid hardship on my Truist mortgage for my primary residence roughly three months ago. On XX/XX/XXXX a letter was received stating a form had not been notarised properly and that i would be required to redo the loan modification documents by XX/XX/XXXX ( now XX/XX/XXXX after several phone calls ) or I risked losing my home. I am currently on assignment for the State Department in XXXX where mail takes 4-6 weeks to arrive and another 4-6 weeks to arrive back stateside once signed/notarised. This would make it impossible for me to meet this deadline and Truist has provided me no recourse otherwise. Without sufficient time to even receive the document its impossible for me to meet their deadlines.
Product: Credit card

Chase Bank is inaccurately and incompletely furnishing information regardingthe one and only Chase Bank Credit Card listed on my report to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which Chase is responsible. 

I dispute their information in its entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting.
Product: Debt collection

Collection letter was mailed to me for attempted debt collection of XXXX medical accounts already paid in full. The payments were to the same collection agency. I called the original creditors and confirmed payment was received. The collection agency, Revenue Recovery Corporation,XXXX.tn.,XXXX.XXXX was attempting by fraud and misrepresentation to collect the debts XXXX.
Product: Mortgage

I have been trying to initiate this short sale with Seterus since XXXX XXXXI have submitted all docs to XXXX as well and XXXX and myselfhave been trying to get ahold of Seterus to get an update and we have had no luckI re-submitted all docs on XXXX XXXX and I keep calling for an updates and they keeptelling me they have received my third party but it has not been uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 & XX/XX/2020 XXXX XXXX XXXX has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. They are violating my rights and harming me
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a dispute on XXXXXXXX XXXX they have two different creditors, pending against my credit and it unlawfully for them to do that
Product: Mortgage

After a month long ordeal of begging Ditech to pay our property taxes from our escrow account and having to prove our property was indeed the size the signed mortgage and deed says it is, Ditech told us on XXXX XXXX, 2016 when we called in the morning that our already past due taxes would be paid to our township. We received a tracking number from XXXX for an envelope that was never shipped and was made on XXXX XXXX. We called Monday, Thursday, Friday and Saturday during the week on XXXX XXXX asking when our tax payment would be sent and notified them that the taxes are past due and will be turned over to our county on XXXX XXXX with additional late fees and a lien will be placed on our home. The lien could cause a ding on our perfect credit. The taxes are still not paid and funds were removed from our escrow account to cut the checks for the payments that were never sented. We have a previous complaint for this issue with the CFPB and Ditech was sent an official notice of error. 

Ditech has been provided with tax bills and contact information for our township.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suffered from identity theft after the XXXX  credit breach. My capital one credit card was used for fraud. I told the bank this and received no response for 18 months after 3 attempts to contact them. I then contacted a different department and agreed to pay off the debt, despite not being mine, if they would show the card as closed but Paid in full '' to which they agreed. They've not updated the information on any of my credit reports.
Product: Credit card or prepaid card

AMEX with limit of {$1000.00} was hacked and charges ramped up well past the limit. Fraudulent attempts at payments pulled from my XXXX XXXX account. AMEX allowed over {$7000.00} in charges. XXXX reversed all payments to them. The XXXX account has since been closed. AMEX will not explain how they allowed these charges to exceed {$1000.00} or how they could allow 10-12 attempts to get payment of the AMEX account in a single day. 

AMEX calls every day including Sundays for collections. At this point, I am still attempting to fix this and other issues with XXXX and preparing filing a complaint against AMEX for fraud and negligence. The AMEX account has been closed.
Product: Debt collection

TRANSWORLD SYSTEMS INC is reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV from the company and I do not have knowledge of this debt. I work very hard at keeping good credit and this collection has significant effects on my credit file
Product: Mortgage

My original was with XXXX XXXX, ever since Shellpoint took over its been a mess. In XXXX I fell off a ladder working on the property, I was told by XXXX XXXX at Shellpoint that they would be able to modify the loan to take those 2 months and put it at the end of my loan to keep me current because of the XXXX XXXX XXXX I sustained. They never did brought my account current as promised. I have an email correspondence between Shellpoint and myself in that email I stated that once I make this payment I will be current and Shellpoint responded yes, again that never happened and they continued to compound late fees and other fee 's to try and keep me from refinancing my home. They are trying to put me in such a bad financial situation so they can foreclose on my house. If you XXXX Shellpoint Mortgage Serving reviews you will see the numerous compliants, most are the same as me.

I have showed my proof to Shellpoint and they never respond.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, my car was broken into and my docments was stolen I have attached a police report made by the following companies XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX