23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that my personal information and my credit file have been leaked. I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. Accounts US DEPT ED XXXX Balance {$730.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$6000.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$8100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$4900.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$2300.00} Date Opened : XXXX US DEPT ED XXXX Balance {$5200.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$3900.00} Date Opened : XX/XX/XXXX Inquiries XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote and disputed the same item by " SG & associates '' on my credit several times. I have requested the method of validation, written and verbal. I have written that the item is unverified and remains on my credit against XXXX XXXX. I requested the original creditor documentation on file and that the information be verified. They REFUSE to provide me a copy of ANY original documentation required under section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( a ) and ( 5 ) ( A ). In addition, when researching the company, SG & associates, they are not even a real debt collector. Their address provided XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX provides no suite number, to send formal written correspondence. I contacted them at ( XXXX ) XXXX. 
When I contacted them, a male representative, XXXX, threatened me and said that they are a law firm and have filed suit against me and that my wages would be garnished for {$3100.00} and my license suspended. I advised him that I never had an account with XXXX and that I would be filing a complaint against him and he hung up on me. XXXX  refuses to comply with the law and has only replied that the debt collector has only provided that " the company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This response is insufficient and does not provide any information that I requested by written request on XX/XX/XXXX & XX/XX/XXXX. I am respectfully requesting either they adhere to my written requests or remove the items outright from my credit report.
Product: Checking or savings account

On Sunday XX/XX/year> an order was made to vendor XXXX for gym clothes. The checkout I chose afterpay however once order was placed it had the wrong name for billing and shipping and still it used my debit card for the purchase. The name and address of shipping and billing is wrong. It is not the name on my card nor is it my shipping address. vendor has not responded to request to correct and afterpay just keeps sending receipt of complaint however no resolution. I have reached out to the vendor and still have not had any response. As of today, the order has not been placed, and afterpay is still trying to charge me. one payment has already been taken from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # # # # # # 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

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 Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Debt collection

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a derogatory mark on my TransUnion credit report. Upon further research, this account was paid in full and I am no longer responsible for it. I do not have this account on my other credit reports. So I am requesting TransUnion to remove this inaccuracy from my credit report.
Product: Debt collection

LRS continues to call me, insult me, and harass me multiple times a day. Not only did I pay the debt on XXXX/XXXX/2016, but XXXX XXXX rescinded the debt after they realized my account was not handled properly. Both XXXX XXXX and myself have repeatedly sent them information sufficient to close the account, yet they are still trying to collect and continue to reinstate the collection on my credit reports every time each bureau removes it due to my filing a complaint with sufficient evidence to remove same.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 604 A states I have a 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Login into my credit report, with the intentions of reviewing. I need to finance a place to live. Noticed that the accounts are reporting in a suspicious and confusing way. 

1 ) XXXX XX/XX/XXXX Oddly reporting {$0.00} balance then Paid. Sent letter-No response. 

2 ) XXXX- XXXX amount questionable. Never received a response to discuss. 

3 ) XXXX- seems to be a duplicate account. reporting the same questionable amount as XXXX. No recollection of ever doing business with them. 
4 ) XXXX XXXX had look them up to find out information. Amounts they claim i own don't make any sense. Credit limit is both XXXX and claim XXXX owed also. 

5 ) XXXX XXXX has never been a consumer friendly bank. XXXX has run out and they were paid in full, still they report to destroy my credit. I need this removed quickly. Note : XXXX XXXX is reporting a duplicate account they claim was opened XXXX. Still XXXX is in play. need both removed. 

6 ) XXXX- another account never opened, amounts are XXXX because there was never an amount. this is reporting In Active Account/Closed due to inactivity just as i stated never open by me.
Product: Credit reporting or other personal consumer reports

The names on the account are not the same names what's on my Driver 's license is not the same as the name on this credit reports agency information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had an unrecognized Hard Inquiry Done by " Bank of America '' according to " XXXX '' credit reports. I discovered this on XX/XX/XXXX as my XXXX  credit score went down by XXXX points which was reported to me from my current bank " XXXX XXXX '' I have not applied for any loans, Credit cards, or any other service from " bank of America '' or any other institution, business, etc. that requires a credit check sense the date of XX/XX/XXXX, as that was the date of my last credit card application.I believe this Hard inquiry to be fraudulent. I have already informed " XXXX XXXX XXXX Fraud department, which in addition has discovered other inaccurate information that has been corrected. As well as posted a Fraud alert. It was recommended to file a complaint with the CFPB by " XXXX ''. I have not been able to contact a live person/ Fraud department representing " Bank of America XXXX at the time of this writing to ask/inform them of the situation.
Product: Credit reporting or other personal consumer reports

I am writing to address the three charged-off accounts under my name with XXXX XXXX XXXX XXXX XXXX These accounts represent a challenging chapter in my financial journey, XXXX that has been marked by significant hardship, including the global XXXX pandemic and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The financial strain I endured during this period was immense. The pandemic severely impacted my income, leaving me unable to meet my financial obligations. The unexpected XXXX XXXX XXXX XXXX XXXX following my car accident compounded this hardship. These events were entirely out of my control, and I am now striving to rebuild my life and my financial stability. 

Currently, these charged-off accounts are weighing heavily on my credit report and hindering my ability to move forward. In good faith, I am asking for their complete removal from my credit report with all three major credit bureaus ( Experian, XXXX, and XXXX ) .I kindly request a written response within 15 days of the date of this letter. Please send your agreement on your company letterhead so I may proceed with payment immediately. 

This is not just about resolving a financial matter ; it is about rebuilding my life after extraordinary setbacks. I trust XXXX XXXX XXXX XXXX to recognize my genuine intent to resolve these accounts and my effort to move forward responsibly.
Product: Checking or savings account

around XX/XX/XXXX. I had a XXXX dollar overdraft. I admit to that. I sold an item, and the lady sent me a check. The lady said Monday the funds will be in, and the check was good. We made a payment, and this was around XX/XX/XXXX. The check was not good, and I had no idea, and Simmons said it was fraud. Then Simmons questioned me like I was a criminal and never asked me for the envelope with the tracking information so they could look into it. So, back to XXXX negative in my account, I could not access online banking, and when I logged in, it said DORMANT. I got an email saying I got an overdraft. Then, a few days later, I got an email stating I got another overdraft. I used the phone number to check my account. Simmons accepted 2 to 4 charges and put them on my account to cause an overdraft, and a day or so later, they rejected them. Simmons Policy states that if you overdraft {$500.00}, Simmons can not add anything else to an account. My account was suspended and it was past 30 days, Simmons added more overdraft fees Simmons committing Fraud. I was about to pay the {$540.00} dollars until they pulled this. Doing this to a customer is illegal, and there are laws to protect people. Customer Financial Protection Bureau will be notified. Simmons added items from paypal that were on auto pay I forgot about and added it in my account to form another overdraft several times and then remove them. They broke the company 's policy. If you have an overdraft at max and something tried to charge that account, it was denied and can't charge. It seems like the fraud Simmons Bank committed against me was to line their pockets. If I did something like this I would be arrested for breaking the law, so maybe someone from Simmons should be held accountable. My resolution is, Simmons pays me {$1000.00} dollars and then deduct the overdraft from the amount and mail the rest to me. That is for committing fraud against me. XXXX XXXX Old account : XXXX Simmons wrote back to the XXXX and never sent me a image of my deposits. After 30 days from an overdraft, nothing can be charged to an account. They knew on my transactions page it shows they accepted these withdrawal and got the overdraft charge, then denied them. Simmons did nothing or have any evidence to prove me wrong.
Product: Debt collection

In XXXX, I had a car loan on a XXXX through Nicholas Financial. They increased my payments by at least a {$100.00} more a month. I had many discussions with the company and was told that if I let them take the vehicle back, all further debt would be erased considering they could sell the vehicle for more than what was owed. The entire time I had that vehicle, there was nothing but issues with it. I had to replace brakes, tires, the fuel pump, rust spots, and much more than I can hardly remember. Now, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, is claiming that I never made a court hearing in XXXX XXXX XXXX XXXX back in XXXX ( I was living in PA and had never received any mail, emails, phone calls, etc. about a court hearing. This money that they claim I owe, isn't even on my credit report. And now XXXX XXXX XXXX is coming after me for it again with 17.950 % interest tacked on. I do not owe this money and I am appalled that this is something I'm dealing with nearly a decade later!
Product: Mortgage

My name is XXXX XXXX, I reside at XXXX XXXX XXXX in XXXX, RI XXXX my loan number is XXXX back in XXXX I start an assumption with Nationstar. and then Mr. Cooper took over my loan. I have been divorced and have resided in the home since my divorce in XXXX. My x moved out in XXXX My X XXXX has not paid one cent into the home. In the last several years I have paid off all our debit including a HELOC loan that we both took out. I took XXXX back to court and he signed a quit claim deed and it is court ordered that I remove his name from the mortgage by XX/XX/XXXX. I was told by Mr. Cooper in XX/XX/XXXX that I would have to start an assumption process again. In XXXX I was sent to the wrong department and then realized it wasn't the Assumption Department. I have paid all my and XXXX debt to assume the home, even paying a HELOC loan off so that I can assume the home. I've been working with several staff members and have spoken to at least 20 people ( have every name at home ) and after months of supplying Mr. Cooper will all documentation I was denied the assumption due to debt to ratio. I was told I cant afford the payment on the home the very Home Ive been paying it for 10 yearsI last spoke with a XXXX XXXX an employee of Mr. Cooper I wanted to know the following. I am receiving money from my retirement on a montly basis for the rest of my life starting in XXXX of this year which will increase my pay and trade in my car for a loan of {$200.00} instead of {$450.00} lease which is now, can I get the assumption. These two things will take me way under the debt to ratio. the answer to me was they could not make a decision until I apply again. This is detrimental to me, if I do not get this assumption I will have to sell my home, the very home that I have been paying the mortgage on for the last 10 years. I also, don't want to change my vehicle only to be told that I still cant get the assumption. How can they tell me I cant afford it when Ive been affording it for 10 years. I will have to move. As this is going on interst rates are rising. Can you understand how life changing this is. I am asking that you review my file. My phone number is XXXX email XXXX. 

Thanking you in advance XXXX XXXX, XXXX Account Manager XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, RI XXXX XXXX : XXXX XXXX Fax : XXXX The best compliment anyone can give me is a Referral.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX. All my remaining derogatory accounts referencing my bankruptcy were purged. XXXX XXXX was the last one. All had exceeded the 7 year DOFD rule. about a month latter ( XXXX XXXX XXXX ) I noticed that this creditor had changed the information on an account previously listed in good standing to discharged in bankruptcy. This account had been listed as closed as of the day of my bankruptcy. In reality it was closed 5 years prior. Why did they suddenly start reporting this account back in XXXX. I now know. It seems that they were aware that that my accounts included in the bankruptcy were over 2 years old when I filed limiting their reporting to 5years. They hedged their reporting by letting this account sit idol until it was the only thing left. They then started reporting the bankruptcy on that account. Upon contact they admitted it was wrong and after more than 6 weeks latter issued a letter of correction but they have not stopped reporting this account as included in bankruptcy. It corrects then a week latter its back again. The problem is that every time it re reports. My credit score drops 50 points, as the bureau thinks its a new bankruptcy. They appear to be correcting it but its still going on 3 months later. I have sent the bureaus a copy of their correction letter but they fail to investigate and it keeps re reporting. Trans union says verified on XXXX XXXXXXXX XXXX. XXXX says verified on XXXX XXXXXXXX XXXX.