23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Compass bank aggressively offered a line of credit/ loan. I did make close to four payments maybe more. Late XXXX into early XXXX. Did seek a debt reduction program, which compass has not worked with. I feel the finance charges of XXXX are not in line with the payment of XXXX which is fifty percent less then the interest! I. Have suffered a XXXX and not able to work at this time.
Product: Credit reporting or other personal consumer reports

I was completely shocked to see inaccurate accounts suddenly appear on my credit report this morning. I have no idea how this could have happened. I regularly check my report, and everything had been fine until today, but now there are strange discrepancies. I even refreshed my browser thinking it might be a glitch, but the errors persisted. These accounts just wont go away, and Im really concerned. Im requesting a thorough review of the documents Ive submitted, so I dont have to deal with this stress ever again.
Product: Debt collection

I never knew I owed this debt. I never was notified of it and was 1 of 3 tenants who lived at this residence. I never knew about any past due amounts or anything about this bill. I letter was sent to my mother 's address stating there was a judgement and garnishment being sent to my employer. I don't even know how much they are claiming I owe on this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is based upon not receiving a response from Allstate Credit Bureau after sending a letter requesting information from them. On XX/XX/XXXX, I mailed a letter asking for validation of the debt in which they are advising that I owe an amount of {$200.00} on account number XXXX. As of today XX/XX/XXXX, Allstate Credit Bureau has failed to respond to my request of this information. I am providing a copy of the letter that was mailed to them, in addition to the certified mail receipt and proof of delivery. At this time, I am requesting immediate removal of this account from the credit bureaus of which this information is being reported. I look forward to your time and attention to this important matter.
Product: Checking or savings account

i want to synchronize my account XXXX with Robinhood App.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of accounts and inquiries on my credit report that were fraudulently created due to a recent data breach. As a victim of identity theft, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these unauthorized items permanently removed from my report. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX  Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$110.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$37.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$61.00} XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Inquiry to Be Blocked and Deleted XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I sent short sale packages many times, the last time on XX/XX/2024 with a higher offer of {$480000.00}, now the property is schedule for Foreclosure Sale auction and the servicer did not responded on the amount that the lender wants in order to have an offer that meet the requirement. They do not want to say the appraisal results of the property, and they do not want to say how much they want in order to approve the short sale
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Debt collection

1st letter sent to GC SERVICES FOR XXXX, XXXX in XX/XX/2020 regarding identity theft and account not being mine. No word from them until XX/XX/2020, resent FTC Identity theft report. Received several calls regarding debt, even after my FTC statement requested to only contact me via mail regarding the false account under a person with similar name as mine. I am sending another letter dated XX/XX/2020 for all matters to collect this debt to cease. I do not own this debt.
Product: Debt collection

On several occasions I have advised they can not call my place of business I work in a XXXX XXXX They continue to call over and over every day my place of employment. 

I verbally spoke to someone who called me 8 times in a row on XXXX, they would call I would disconnect, they would call back and did this for 8 times in a row at my place of employment. 

On XXXX I received a message from them AGAIN on my work voice mail. 

I have asked several times for them to mail me my statement showing me all the payments I have made so far and they refuse and just keep calling my work. It needs to STOP immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of my report and charged late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage has reported 30 days late payment for XX/XX/2020, when this payment was received within the grace period of the loan. The problem was corrected in the company 's records but not updated at the credit bureaus ' reporting.
Product: Credit reporting or other personal consumer reports

These 8 inquiries on my TransUnion report are fraudulent and I would like them immediately removed. There is now way in heck I applied for this many accounts! 
Please remove these accounts off my transunion report asap! 

XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As well as these XXXX illegal accounts that has been opened in my name for over 3 years. I keep stating these accounts below are illegal and was obtained in my name. Please remove these accounts! 

XXXX XXXX XXXX XXXX {$150.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX {$57.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX XXXX {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ABOVE ILLEGAL CHARGE OFF ACCOUNTS THAT WERE OPENED AT THE SAME TIME AND IM LOCKING ALL MY REPORTS TO STOP THIS FROM HAPPENING AGAIN. IM TRYING TO FIX MY CREDIT SCORE PLEASE REMOVE THESE ACCOUNTS OFF MY REPORT!!!!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a grave and ongoing issue concerning the inaccuracies and mishandling of my credit information by XXXX, TransUnion, and XXXX. Despite my repeated attempts to rectify these errors through all available channels, the situation remains unresolved, and my credit profile continues to suffer as a result. 

For the past [ duration ], I have been diligently working to correct the inaccuracies on my credit reports. These errors include but are not limited to incorrect personal information, fraudulent derogatory remarks on accounts marked as " Paid, '' and unauthorized accounts listed, notably one from XXXX which I have not authorized or consented to. 

I have followed all required procedures to dispute these inaccuracies, providing comprehensive documentation to support my claims. Despite this, XXXX, TransUnion, and XXXX have failed to take appropriate action within the mandated timeframe, and the erroneous information persists on my credit reports. 

Furthermore, I have encountered significant obstacles in my attempts to communicate with XXXX, TransUnion, and XXXX. Despite multiple phone calls, letters, and even notarized identification documents sent to confirm my identity, they continue to request further verification, unnecessarily prolonging the resolution process. 

These failures on the part of XXXX, TransUnion, and XXXX are not only frustrating but also have severe repercussions on my financial well-being. The presence of inaccurate and unauthorized information on my credit reports affects my ability to access credit, obtain favorable interest rates, and conduct essential financial transactions. 

I urge you to investigate this matter promptly and take appropriate action to ensure that XXXX, TransUnion, and XXXX fulfill their obligations under the Fair Credit Reporting Act. Specifically, I request that they promptly correct the inaccuracies on my credit reports and cease any further delays or requests for unnecessary documentation. 

Additionally, I wish to emphasize that the inclusion of " Chargeoffs '' on my credit reports is illegal, as consumer reports are not supposed to reflect income. Moreover, the presence of the XXXX account, which was sold to a third party without my permission, is a clear violation of my rights. 

I appreciate your attention to this matter and trust that you will take the necessary steps to resolve these issues swiftly. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if further information is required. 

Thank you for your assistance in this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

BQ & Associates, P.C., LLO called me repeatedly regarding debt owed to them. Throughout the process there were several reps who would be disrespectful, aggressive and use bullying antics as a means to collect on debt. For example, being told if I did not come up with a lump some payment and refusing to take my payment arrangements. A rep from the company, XXXX ext. XXXX, during a call was cutting me off as I spoke and threatening me that I could not ask questions regarding the settlement that was agreed upon or get the agreement in writing. I was told that I was not in a position to ask questions or negotiate anything. If I asked about payments he would cut me off and sigh. As I continued to ask questions he used condescending tone and made statements that caused me to have a break down on the call which included me sobbing, yelling and asking him to stop. I was treated like trash. My concerns were reported to his supervisor, XXXX, who indicated he would look into the call. However, XXXX continues to contact me after I indicated that I did not want him contacting me. Because my aim was to resolve the debt, but through another rep I asked to speak with a manager or an attorney and was not allowed to do so. I called repeatedly and then an operator finally patched me in to XXXX who took my concern, but never reached back out to me. Instead, XXXX called me again. This is not the first time that I have had concerns with the reps who contacted me. I have saved voice mails from them as well as dates when I have asked them to discontinue contacting me and to use mail as correspondence.
Product: Debt collection

In XX/XX/2023 at XXXX XXXX, I received a call from the XXXX XXXX XXXX store in XXXX XXXX XXXX. I was in XXXX XXXX in a business meeting and did not pickup the phone. The caller left a message asking me to call back and authorize someone as a user on the XXXX XXXX XXXX account # XXXX so they could add a phone to this account. I did not call back and I did not authorize a phone to be added to this account. Subsequently, back in XXXX XXXX, I went to an XXXX XXXX XXXX store and paid a final bill and closed the account. I had several problems closing the account and had to return to the store twice. Now I have Sunrise Credit Services trying to collect the balance. Since I never requested, authorized or received a phone I am at a loss to see how I can be charged for it. I can only conjecture that someone impersonated me with a stolen identity or that a store representative illegally authorized a phone sale to someone they were working with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I ordered a copy of my report in Experian.com and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XX/XX/XXXX Experian has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX I believe it was reporting in error. 
XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy : Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXXXXXX 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

I lived in my home for almost 11 yrs. My husband got sick and passed away from XXXX. My home was financed with XXXX   XXXX, when they went bankrupt and my loan was sold to Ocwen loan servicing. I had no choice my loan was just transferred. I had multiples debts with my spouse being XXXX  over XXXX XXXX years and tried to work with Ocwen to stay in my home. They would not work with me at all.They were absolutely terrible to work with. I was basically forced out of my home with my children after they had just lost their father they now needed to move from the home they knew. They  wanted XXXX dollars from me with all of the services fees and phony charges they added. I lived there 11 years and they wanted more then the purchase price of the home which was XXXX. Then then sold the property at auction for XXXX and since has been sold again. I have not resided in this home, nor this town for over 5 years. Now I am attempting to start fresh and purchase a new small house and Ocwen puts recently on my credit report that I am delinquent on a loan for a partial payment plan. There is nothing owed on this loan. I have never had any partial repayment plan of any kind with Ocwen that is a breach of FACRA. It is falsely reporting. This original loan ended in foreclosure, and I have all papers showing that I owe nothing on the loan.
Product: Credit card or prepaid card

I made a purchase for XXXX in XX/XX/2022 they refunded me in XXXX due to a cancellation. The old navy card was taken over by Barclays and I called them in XXXX to be sure it wouldnt be a problem. They said it wouldnt but would take up XXXX weeks to resolve. They funded me the money back in XXXX but then took back out on XXXX. Ive called multiple times.and sent in paper work from the merchant saying it was refund in XXXX. Letters sent out XX/XX/XXXX. Still not resolved
Product: Credit card or prepaid card

I have   a Amazon visa rewards card through Chase. I have my automatic payment feature setup through their customer portal. It is currently set to full amount, but I have had a minimum amount applied every time the autopay date rolls around. I will be attaching some screenshots showing my autopayment hold from my bank account, the auto-payment settings, and my current account balance after having autopay apply payment.
I have seen this several times and I believe this is a scheme to defraud people 's payments in order to increase interest rate payments at Chase. This is un  acceptable behavior.
Product: Credit card or prepaid card

In XX/XX/XXXX, I received multiple calls from Comenity Bank. When I answered one, they told me I owed a payment from XXXX on my XXXX XXXX XXXX and said the payment was about to be late and charged a late fee. I declined paying it and told them that I had not made any purchases on that card since XX/XX/XXXX. 

I immediately contacted XXXX and they had nothing in their system indicating a charge and showed I had a XXXX balance with them. I asked them how to report a fraudulent charge and they said to contact Comenity Bank to dispute it. 

I contacted XXXX to review my credit report. It showed the amount of {$180.00} due in XX/XX/XXXX, which was from a charge of {$100.00} in XXXX, that I did not make, plus late fees. I filed a dispute with XXXX. The dispute was not cleared on my credit report. 

After repeated calls to Comenity Bank, I was unable to get through to talk to a representative. The line would drop my call. The website indicated disputes of charges needed to be done in writing and mailed to : XXXX XXXX Credit Bureau XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

I filled out their Credit Report Dispute and Investigation Form. I printed details from my credit report showing the balance due of {$180.00}. I printed my XXXX statement showing no balance and no purchases since XX/XX/XXXX. On XX/XX/XXXX, I mailed this documentation to the XXXX XXXX XXXX. I have not gotten a response as of today, XX/XX/XXXX, XXXX business days later.
Product: Money transfer, virtual currency, or money service

I have contacted Cash App /Block Inc. several times since XX/XX/2022 about lifting the UCC-1 debt holds on my Cash App account as these debts have been satisfied and the the debt holders have filed a XXXX balance letter and UCC-3 forms stating that the debt was satisfied and the holds are to be released. I contacted Cash App through the app, which is the only way to contact them but to no avail. I constantly get the same response providing information about the debt holders and that I needed to contact them so that they could send the releases to Cash App. There were 2 debt holders that filed UCC-1s that Cash App informed me of and the debt holders sent the release forms several times and I offered to send the emails in which the debt holders sent me a copy of the fund releases as well. I have been trying to resolve this issue for over a year. I would like the release of my funds.
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.
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. 


FRAUDULENT ACCOUNTS : Account Name : BRIDGCREST # XXXX Account Name : LVNVFUNDG # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : TBOM # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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: Debt collection

I received a phone call from XXXX Solutions who was trying to collect a credit card debt from XXXX XXXX Bank XXXX {$1400.00} that they claim the principle balance is {$490.00} from XX/XX/2001, and the last payment was in XXXX XX/XX/2001. I told them this is over XXXX years ago and I am not familiar with this debt, and have no memory of the debt. In addition the name on the account was not accurate. The collector acknowledged the statute of limitations had expired, and that they do not report to the credit bureau, or file legal action, however, the debt is owed. I explained I have no recollection of the debt and do not contact me any further. They also were trying to initially collect on a duplicate bill, yet, admitted it was a duplicate bill.