23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

There seems to be a mistake. I submitted a Qualified Written RESPA Request and Select Portfolio Servicing told me to go fly a kite. 12 USC 2605 clearly states that within 30 days the financial institution owes me a substantive response. 
Select Portfolio Servicing has NOT provided me with any response other than the tell me to XXXX. there is a missing security which will be reported to the FBI. 
The Qualified Written RESPA Request was sent Certified Mail XXXX on XXXX/XXXX/2016. 

The default provisions are now in effect.
Product: Debt collection

Caller called at  XXXX   XXXX   XXXX   2017  and refused to identify self despite repeated requests. Caller was informed that she was calling a business phone and told to make no further telephone calls. Caller called agai n at XXXX  on   XXXX   XXXX ,    2017  and would not properly identify self and was reminded that this call was in violation of the  Fair Debt Collections Practices Act. I finally requested to speak with a superviso r and informed supervisor of facts previously stated. Supervisor still insisted in trying to discuss this matter on the phone despite being informed that all communication must be in writing due to the number called being a business phone. Supervisor then threatened legal action without providing information on alleged debt in writing as I had stated must be received. I was then forced to once again remind the caller/supervisor that she was violating several subsections of th e Fair Debt Collections Practices Act .
Product: Credit reporting or other personal consumer reports

My credit reports across all three bureaus are different ( XXXX, XXXX, Equifax ). Can I please get a updated copy of my credit report from all three bureaus with all up to date and accurate information.
Product: Debt collection

Creditor : Nationwide Recovery Service Original Creditor : XXXX XXXX XXXX Debts : {$250.00} {$180.00} {$150.00} Nationwide Recovery Service contacted me via telephone on XX/XX/2021 to inform me of an outstanding bill from XXXX XXXX XXXX in the amount of {$150.00}. I requested that the send me information in writing so that I could verify the debt. The company emailed me a correspondence on XX/XX/2021 with how I could access information and get the debt verified ( see attachment ). The email said that I had 30 days to request that the debt be verified. 
On XX/XX/2021, I received an alert that Nationwide Recovery Service had reported three collections on my credit file with XXXX and XXXX. The representative never said I had three accounts and the correspondence they emailed me was for one account ; however, Nationwide Recovery Service reported three separate accounts to XXXX and XXXX. 

I was not given the lawful time to get this debt verified before they reported it on my credit file. The company did not stop collection activity until it provided the required verification nor did they allow me the opportunity to even request a verification prior to them reporting it. 

I reported to the company that they had a previous address incorrect and that the name on the account was also incorrect.
Product: Credit reporting or other personal consumer reports

Please delete your info from my credit file Experian XXXX. Please stop reporting late payments.
Product: Payday loan, title loan, or personal loan

This is in regards to XXXX loan number XXXX for XXXX XXXX as I am an authorized 3rd party on the account. 

When the loan was originated, I was never provided the required California Electronic Consent forms. This was further verified as these disclosures, and forms are not included within my loan file. The loan was taken out online, and it is my understanding that this form is required in California in order to continue to fund a loan online. If you want the option of sending and receiving loan documents by e-mail or on a website, federal law requires safeguards to ensure that consumers like myself have the capability to receive such disclosures and are fully aware of the consequences of receiving documents electronically. Federal law also requires that your consent to use e-mail and electronic versions of information, disclosures, contracts, and other documents and records ( " electronic documents '' ) that would otherwise be legally effective only if provided to you in a printed/written paper document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this debt for months and they have not verified the debt properly, this debt is not mine and I asked for verification of the debt making sure that the debt is mine, I was contacted by a company by mail. XXXX XXXX, the debt was originated at XXXX XXXX XXXX XXXX XXXX in the year XXXX. That company sold the debt to a collection company, which is malicious and unethical business tactic. The company submitted documents that does not prove that the debt belongs to me.
Product: Debt collection

A man keeps calling from phone number XXXX, claims he is a lawyer and says that if I dont pay back a payday loan from nearly 3 years ago, that I 'm going to jail. Says I should have received a court summons recently, and even went as far as saying when I 'm being arrested. Also someone called on my personal cell phone with the phone number from the local police dept on my caller ID, the person calling me then was female, she gave FAKE name and FAKE badge number, then claimed that she was on her way with local sheriff to arrest me for non-payment of old payday loan. No one ever showed up. Later confirmed with local police department that the officer name and badge number was fake.
Product: Credit card

I had a Macy 's credit card. The XXXX XXXX statement showed a balance of {$72.00} and payment due date was XXXX XXXX, XXXX. On XXXX XXXX, I paid the full amount of {$72.00} and I afterward, I closed the account. Assuming everything was clear and I closed the account with zero balance and was in good order. However, in XXXX XXXX, I started getting phone call from an unrecognized number and the caller did not leave any message. I started looking into ( XXXX ) it and found out it was from a debt collector, working for Macy 's ( Citibank ). I logged in to Macy 's account and was surprise with a XXXX statement showed a {$62.00} balance. Apparently, without my knowledge, they charged me a {$2.00} interest in the XXXX statement, even though I paid the account in full ( and closed the account ) before the due date. Then they continued charging me with a few dollars every month that added up to a {$62.00} balance. I called them and asked for the explanation of the charge and the lady took my called said it ( the first {$2.00} ) was the residual interest because I carried a balance in the previous month. The rest was fees because I did not pay for it on time. Against my better judgment, I went ahead and paid the balance ( {$62.00} ) on XXXX XXXX, XXXX because I did not want to hassle and wanted the problem to go away. The problem did not go away, they charged me with another {$2.00} on XXXX XXXX. In addition, they reported to the credit report bureau that I was late in my payment ( on a closed account? ). I am going to pay the {$2.00}. However, I would like to submit a complain about Macy 's credit card ( Citibank ) 's unfair business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I believe that my mortgage representative,  XXXX   XXXX , loan processor,  XXXX   XXXX , and underwriter misrepresented the guidelines that were required for final approval of my mortgage application and/or denied my application in part because of my  XXXX . After receiving notification that I was approved via Citi 's online application status portal on approximately  XXXX / XXXX / XXXX , I received a phone call from my mortgage representative a few days later claiming that I was denied at on  XXXX / XXXX / XXXX . The reasoning for the denial provided by the mortgage representative was that my income, as reported on my  XXXX  tax return, was insufficient. Despite having records of my income via my  XXXX , tax returns, and pay stubs for several weeks prior, Citi 's team failed to communicate this to me until  XXXX / XXXX / XXXX ,  XXXX  week prior to closing and shortly after I disclosed my  XXXX .     I disclosed my  XXXX  orientation to my loan processor,  XXXX   XXXX .  XXXX   XXXX  learned that I was a  XXXX  male through our conversations about gift funds from my significant other who is male.     As such, I believe that  XXXX  's team is disingenuous at best or bigoted at worst. I am extremely disappointed in the team 's handling of the situation and strongly believe that I was not denied my loan because of insufficient income but instead because I am a  XXXX  man.
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. 

Account Name : XXXX XXXX Account Number:XXXX  and list of Inquiries 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: Checking or savings account

XXXX was sent to a bank account that didnt match the tax payers name and the bank will Not reject the funds back because its someone elses account and we need that money back. But I have contacted the irs and the 3rd party they said it was nothing they could do
Product: Checking or savings account

This is now my second time filing a complaint on chase and the account was opened on XX/XX/2021 and was locked the next day for suspicious activity ; I went to the branch and showed a copy of my drivers license and social security card. I was in the branch for over a hour and my account access was restored. On XX/XX/2021 after leaving the branch around XXXX XXXX my account was locked again and after calling chase four times I finally was able to get a representative that could fix it. Now here it is XX/XX/2021 and after I opened a business checking account earlier in the morning my account was once again locked for suspicious activity and I have no access to use my money. I'm tired of this and it's ridiculous at this point and I'm getting a lawyer involved unless my account is restored because there is no reason for this at all. All funds have been verified and there are items I actually paid for by other means that needed to be disputed that I now can't because of this.
Product: Debt collection

Calls Multiple times per day from different phone numbers each time. 

Calls my family members multiple times per day.
Product: Credit card

I submitted a complaint on XX/XX/2024 about a late fee assesses with a Victoria Secret credit card. You resolved the issue by state g they would drop the late fee. Today I received a bill from them with the late fee plus an additional {$7.00} charge. My complaint number was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your recent claim that XXXX XXXX, has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been locked out of my Grain Technology account for months due to verification of email address which is accurate, always has been. It keeps saying itll send a link to my email address and never does. I have not been able to get into my account after several attempts of emailing this company. Due to me not being able to access anything on my account unfortunately I havent been able to make any payments resulting in a 60 day delinquency which I feel is totally unfair! I continue to email resulting in no response. The customer service number online doesnt work! My score has dropped over XXXX points because of this.
Product: Credit reporting or other personal consumer reports

Good day, I am the victim of identity theft. This information appears on my Clarity Services Report and is not related to any transactions I've completed. 

Please remove the identity theft information from my Clarity Services report in accordance with Section 605B of the Fair Credit Reporting Act and notify all those who provided it. 

Please find attached a copy of my Clarity Services, got from them. Fraudulent items are outlined. Please find attached a copy of my identity theft report and proof of identification. I appreciate your prompt response to this issue and look forward to hearing from you.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> LCI Consumer Center reported inaccurate Information about a Bankruptcy pertaining to me, they also have inaccurate and unverifiable information about a bankruptcy in my consumer report file. In which they have been giving and reporting to other companies This is Inaccurate, invalid and unverifiable information. 
I have attached a letter from the UNITED STATES BANKRUPTCY COURT DISTRICT OF NEVADA verifying and stating that they do not furnish or report information over to the credit bureau or any Credit monitoring service nor do they verify or validate any information concerning bankruptcy, LCI Consumer Center is the reason this information is on my credit report and has yet to be remove. this unvalid and UNVERIFIED information violates fair credit reporting act
Product: Payday loan, title loan, or personal loan

I took out an online pay day loan of {$500.00} on XX/XX/2019 from Mypaydayloan.com due on XX/XX/2019. I couldn't pay the loan back on that date and called the company on XX/XX/XXXX XXXX to discuss the late payment. I was told that the interest would be {$370.00} ( 75 % ) and would increase substantially after that. I paid it on XX/XX/2019. This appears to be usury.
Product: Payday loan, title loan, personal loan, or advance loan

At the time of attempting to collect payment, the creditor contacted an in-law and disclosed information regarding the reason for the call, reason being that a debt was owed to the creditor. Employees of creditors also used alternate phone numbers to call or harass several times a day, regarding loan.
Product: Debt collection

I purchased XXXX XXXX and received a one year supposedly free XXXX XXXX. The year will be up in XX/XX/2020. My complaint involves my payments being made by my Debit Card Account which includes savings and checking. In XXXX and XXXX payments were taken and instead of using Checking they used Savings which did not have sufficient funds. My SD or Checking Account had over {$8000.00} Their using the wrong account has caused me overdraft charges and will probably result in a lowering of my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

notice to sue. i tried to fix this problem of my consumer report not being 100 % accurate under 15 U.S. Code 1681i my report must be 100 % accurate. i gave you time to fix this problem. you will see me in court and don't send me a email asking how can we settle this outside of court. i will get remedy for all the violation. your company isn't bigger than federal law. have. a good day. i have all the exhibits. the furnisher isnt the one that going to be in paying remedy its your company.
Product: Credit card or prepaid card

I made a purchase using my Bank of American Credit Card back in XXXX of 2022. It was a purchase with XXXX XXXX. I immediately canceled the purchase, document the person name, the reference number, etc. My Bank gave me a credit of {$190.00} on my account ending in XXXX, Case number XXXX. The merchandise was returned to XXXX XXXX in XXXX, Florida, XXXX, on XX/XX/2022, at XXXX. 
Now the bank want me to continue to respond to the company, this is over a month later. I received the letter on XX/XX/2022 and have to respond by XX/XX/2022, which is not enough time.
Product: Debt or credit management

XX/XX/XXXX XXXX XXXX XXXX started taking XXXX out of my account for payment on my credit cards. They told me when I signed up with rhwm they would take care and pay off my debt. They also told me not to pay those credit cards and I would not get emails or calls about them if I did I was to tell them XXXX XXXX XXXX was taking care of it. It would be paid off in 3 years. My credit would also take a hot but after a few months would start to improve. In XX/XX/XXXX I called to ask what they have done and how much was in escrow. They told me they have written letters to the creditors for XXXX XXXX XXXX a letter. Aand I had XXXX in escrow. That day I sent an email to th terminatingtheor services and I wanted my money back. On XX/XX/XXXX I called them as I had not heard from them and they told me they don't do things like that my email so I told them to terminate and send my money. She told me it had to go to a review board and would take XXXX to 5 day. So on XX/XX/XXXX I called again as I heard nothing f from them and was told my request was denied for breach of contract. I would like my money that they took and did nothing back
Product: Credit card or prepaid card

Re : Comenity Bank for HSN credit card On XX/XX/XXXX I made a payment for {$40.00}. early and for more than the minimum due On XX/XX/XXXX I reveiced an email I was late, I logged into my account to find a returned payment fee and returned charge and it said my payment was returned XX/XX/XXXX. 
I immediately called Comenity, after numerous calls with different answers, I was told to send in my bank account statement. 
On XX/XX/XXXX I faxed my statement for XX/XX/XXXX-XX/XX/XXXX to show there was nothing returned. After waiting weeks for a response, I was then told this was not sufficient enough and they needed a letter on letterhead from my bank stating that nothing was returned. 
On XX/XX/XXXX I went to the bank, got that letter on letterhead signed by the braanch manager and faxed it to them. It states nothing was returned by them from XX/XX/XXXX-XX/XX/XXXX. 
This is still not sufficient for them and are continuing to ask for more information and not making corrections to their mistakes. 
I have done everything starting with making my payment in good faith earlier than required and sending all proof twice that nothing was returned as they claim it was. 
Whatever mistake was made on my account was not by me and I am getting charged for it and with 30 days late on my credit, for the 1st time in 2 years. I was in good standing until this. 
Not only did they wait to inform me of a problem with my account until it was into a 30 days late status then charge me and put a bad mark on my credit. 
They are also sending bills 1-2 weeks later than payment due date.
Product: Student loan

I was behind on my student loan and I was on XXXX XXXX XXXX I noticed money was taken out of my account without any notice. And they said because I did not pay my student loan back they garnish my Social Security check.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : ________________________________________ Incorrect Information to Be Removed : Incorrect Names : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This account with JPMCB CARD with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Product: Credit reporting or other personal consumer reports

I REQUEST, pursuant to FCRA 605B ( 15 U.S, C & 1681C-2 THAT EXPERIAN & EXUIFAX CREDIT REPORTING AGENCY BLOCK THIS CLOSED ACCOUNT XXXX XXXX XXXX CREDIT CARD BALANCE XXXX AND ALL HARD INQUIRES FROM EQUIFAX IN THIS CFPB COMPLAINT FROM CONSUMER CREDIT FILE WITHIN 4 DAYS.