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

The Equifax credit breach is well known. Equifax is located in XXXX, GA, and I have confirmed that our personal ( extensive ) information was involved in the hack that stole this information. I refused to participate in their protection program after the fact, since it required us to give up court action as a remedy. 

As a result, I have signed up for a mid-level XXXX monitoring program, at a cost of {$43.00} per month. My wife and I are both XXXX, and her family has a history of living into their late XX/XX/XXXX. Therefore, 20 years of this credit monitoring will cost {$10000.00} -- without providing for any price increases over the period. This is a substantial, unbudgeted expense for our fixed incomes. It was necessary to protect the modest assets we own. 

I want {$10000.00} from Equifax to cover this expense. I do not want to participate in a class action suit in which the attorneys walk away with millions and I get a check for {$5.00}. I want {$10000.00}.
Product: Debt collection

Received a from a blocked number on XX/XX/2019 at XXXX XXXX caller left a message on my voicemail. Transcription of the message : Good morning this message is intended to reach out to XXXX XXXX XXXX my name is XXXX contact you on behalf of FM capital reaching out to you today in regards to a pending complaint in your name and Social Security number before any decisions or recommendations are rendered we do proceed forward we're looking to get in touch with either you directly or your legal counsel a statement can be provided by contacting XXXX we will be notifying the appropriate parties as to whether not he's contacted and cooperating on a voluntary basis this call has been documented and recorded thank you and have a good day My mother XXXX XXXX received a call immediately after this message was left on my voicemail. The person identified herself as XXXX with FM Capital My mother asked what this was pertaining to and XXXX responded " Bad Checks across state lines '' This is a clear violation of the FDCPA Section XXXX. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 )  identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; and 805 ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the  express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Product: Credit reporting or other personal consumer reports

According to the FRCA laws I did not receive a 1099C from this creditor the account says charge off, written off and late payments, they have written this account off as a profit loss., I wanted a copy to my 1099C and they have not presented it to me this is considered as fraud, and I want this account removed off my credit report immediately. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My entire life is tied to my social security number which was handled with improper care by Equifax. I consider thier negligence which lead to this breech to be pretty serious. Equifax has no business handling confidential information and I had no choice in giving them my most crucial personal information in order to be part of society to begin with.
Product: Debt collection

on XX/XX/2014 a sales rep by the name of XXXX from XXXX XXXX came to my address at XXXX XXXX XXXX XXXX XXXX AZ offering cheaper cost of electricity if we went XXXX.I agreed, but i was never told that I would be purchasing this solar panels the rep said it would be a lease. turns out the the Solar Panels where installed on my roof but the have never worked not even one day. the company ( Sun Trust Bank/ XXXX XXXX XXXX ) i even paid them a total of 14 months a pyment of {$110.00} every month till i felt this was really wrong.they still been harassing me sending me dept collection letters, they did big damage to my credit, Ii had called the sales rep XXXX on XX/XX/2014 to complain, he had told me that the Solar panels where going to be removed and I would be cleared its been 4 years and the issue continues. I even tried to refinance my home but I couldn't due to the collections I have with burro. I really need help to get this dept of my back im getting charge for something I never had. 
ps : the last four of my social sec # XXXX computer keeps changing it
Product: Student loan

Since I finished my XXXX XXXX XXXX I have tried to repay the loan.. ( ( XXXX ) ..then due to different personal situations ( from XXXX thru XXXX ) I asked for a lower monthly payment ... after that last date ( XXXX my civil state changed ( widowed ) and the financial or economic situation got worst and I wanted to establish the most lower payment plan..every time I was directed to forbearances ..up to date my original loan has doubled the original amount ... what is going on is the company calls me on difficult hours and days and whenever I call to establish the arrangement they direct me to call again or in another time because they are busy or cant provide me with the XXXX translators. I have already since 3 years made arrangements with all my debts from other agencies and I have successfully got the arrangements ... but Navient is difficult to get the help I need. Thanks for your help.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely XXXX and Transunion. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution. 

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

TransUnion XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to XXXX  XXXX Account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written communication from a consumer or natural person pursuant to 15 U.S.C. 1692a ( 3 ).

I have discovered that Experian has been furnishing a consumer report which contains factual information and information alleging I owe debts that have not been verified.

Pursuant to 15 U.S.C. 1681a ( e ) it is a violation for any consumer report which is an investigative report, to contain any factual information.

Pursuant to 15 U.S.C. 1692g ( b ) the alleged debts in the consumer report furnished by Experian must be verified by a judgement from a court of competent jurisdiction stating that I owe a debt. Experian and or any other debt collector has not provided verification stating that I owe a debt.

I have not given any debt collector prior consent to communicate with me about any information that is in connection with the collection of any debt. Any person communicating with me about any debt is in violation of 15 U.S.C. 1692c.

Thank You.
Product: Credit reporting or other personal consumer reports

I had called Mohela dep of ed and asked if they could help me with a personal loan taken out under my name. I had told them that I did not take out that loan someone else did using my name. They told me to call the student aid services. I did not ask for any info regarding the receiver of the personal loan from Mohela. The personal loan was taken out for {$15000.00} and I would like to dispute The following charges that were made fraudulently to Mohela dep of ed : {$4100.00} {$3600.00} {$2000.00} {$3200.00} {$1400.00} {$810.00}
Product: Debt collection

XXXX XXXX and its employees are a bunch of XXXX XXXX. I 100 % caught XXXX XXXX, XXXX XXXX, XXXX SHERIFFS DEPARTMENT AND XXXX XXXX in MULTIPLE 18 USC 242 VIOLATIONS. MULTIPLE 15 USC VIOLATIONS. RICO ACT VIOLATIONS. RAKETEERING. IDENTITY THEFT ..... I have no XXXX contracts with these theiving XXXX. I have 0 respect for men and woman I don't know ADMINISTRATING PROPERTY WITHOUT RIGHT, CONSENT OR CONTRACT. 

This MORTGAGE is FACTUALLY BIFURCATED 5x = NULL AND VOID. 
I 100 % discovered Grammatical DECEPTION all over the XXXX XXXX contracts = FRAUD= NULL AND VOID. 

This company sent a Serivce Corporation Employees to my house to throw papers on my car and told me TROTT LAW/XXXX XXXXXXXX is selling my house without my consent. XXXX YOU BOTH, XXXX, XXXX XXXX. If I walk down to an ILLEGAL/UNLAWFUL Auction/Foreclosure .... I will 100 % be placing these men and woman/ any man or woman involved under Private Citizen Arrest. I don't owe any man or woman anything!!!!!!!!!!! If so WHO! XXXX?!?! WHO!?!?!?!? 
This mortgage is DISCHARGED. I also 1099a and 1099c the DEBT via IRS and they accepted. 

TROTT LAW Employees are being sued no matter what for their CRIMES ... ... CFPB ... .. Do you XXXX jobs and get these XXXX XXXX XXXX out of my life. 

XXXX XXXX and TROTT LAW refused many Negotioable Instruments = Legal Tender = UCC 3-603 ( b ) = DISCHARGE for refusing Payment. 

I have 5 CORPORATION ganing up on my PERSON ( CORPOARTION ) = RICO LAW VIOS/RAKETEERING. They got caught! ALL OF YOU!!!! 
You XXXX who use Legalese ( FRAUD ) need to be eradicated. You XXXX are destroying lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are inquiries that were not authorized showing on my report XXXX - XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are hard inquiries on my credit report that are fraudulent
Product: Credit reporting or other personal consumer reports

I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below.
Product: Debt collection

This is a continued attempt to collect a debt on an old credit card that I do not believe to be mine. I have requested verification of this amount, and am either ignored or sent extensive paperwork to complete. At no time has either third-party agency provided me with proof of debt. If I received anything from them that showed this was valid, I am happy to provide payment, but as my records show my last payment on the card ( which I paid in full ) was in XX/XX/XXXX, I am concerned at the paperwork stating that it was paid last in XX/XX/XXXX, years after I had moved from XXXX and last used the card. Again, I had paid this card in full and then relocated to XXXX three months later. After researching both XXXX XXXX and Portfolio Recovery Associates and learning of their less than ethical practices, I felt it necessary to report their activity.
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. 

XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Debt collection

I will try and be brief as possible as there are a lot to this complaint. I have been fallen victim to zombie debt and banks selling bad credit card debt and robo-signing court documents. I have been forced to pay on debt when I have made it clear I had NOT seen, heard, had any correspondences or seen any statements or burden of proof I owe debt. I have fallen into the system by default due to the tactical advantage of debt collecting lawyers. I was intentionally mislead to obtain a default judgement. I have not seen anything or any statements of said credit card and I have not heard from them on any debt I owe for over XXXX years. Last I knew I paid the debt and I cut up my card back in XXXX or XXXX. I never paid on this debt after that since I had not known I owed anything at all. Once I was able to obtain any statements that are specious in of itself especially since there were XXXX different account numbers from same original banking institution of record. Only XXXX account number was referenced to from debt collectors as breach of contract and the other account number is what the bank of record has as my account with them. Even the banking institution shows nothing on file only that I had held an account there in the past and account number if the bank wanted to know more info they even had to call card services to obtain any information. Please reference my attached documents and my response to the court once I obtain statements.
Product: Student loan

I hear the pause on Student loans has ended. Ive soent hours applying for the Save program. I was on an IDR. My service probider keeps changing. My loan forgiveness keeps changing. The % rates appear to be variable. Its very confusing. Feels like Im in a PayDay lending scam.

What do I need to do to not be in default?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and Experian, XXXX to remove these inquiries and all attempts failed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I visited a TD Bank branch on XXXX and XXXX, XXXX, to convert money for an upcoming trip. I was informed that the rate was {$1.00} USD to {$1.00} EUR. I informed the representative in the bank that it seemed wrong but she insisted and stated that in addition I would be charged a fee of {$7.00}. I have no problem with the fee, I have a problem with the extra {$83.00} that I was charged. When I arrived at home I went on several bank and financial sites and saw that the rate on this day was {$1.00} US to XXXX EUR. So for {$400.00} EUR I paid {$490.00}. 

I immediately contacted the number on the back of my TD Card and was informed that they could not tell me the exchange rate nor could they do anything about it and that I had to call the number on my receipt. I contacted the number on the receipt given to me by TD Bank and while on hold it said TD Bank foreign exchange but when the representative answered and I informed her of the matter she stated that I had contacted the wrong number and needed to call the number on the back of my card. I explained that I had done that and was referred to her number for assistance I asked what the exchange rate was she stated that it depended on where I reside so she is unable to provide me with that information. Complete dishonesty and a runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems is reporting inaccurate information on my credit report. 

1. Different Date Open on credit reports 2. Balance is incorrect. Balance shows {$430.00}, but High credit limit is {$340.00}. 

3. IC systems wont provide accurate information on contract to validate account. 

4. XXXX  wont disclose info to validate investigation results. Say meets FCRA standards but has shown no information to validate. 

5. XXXX  wont disclosure info to validate investigation results Say meets FCRA standards but has shown no information to validate. 

6. IC Systems reporting incorrect date of last activity, IC systems is Re-Aging account eah month. 

7. Every month IC systems change the Date of Last Activity. 

8. XXXX  reporting incorrect information. 

9. XXXX is reporting incorrect information. 

10. Copy of last 3 credit reports are attached to show re-aging and incorrect information.
Product: Credit reporting or other personal consumer reports

XXXX with a balance of XXXX charge off XX/XX/year> sold to a collection agency called : XXXX XXXX. XXXX XXXX sends me numerous emails on this account which is proof that it was sold. XXXX is not reporting this account sold it just says closed. I have the communication from XXXX XXXX attached and also a copy of my credit report showing that they are not correctly reporting this ghost collection agency. 

Equifax # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to the law XXXX a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to suchdebt,. Not only have they not reported that they sold the debt to XXXX, they are constant communication with me.
Product: Debt collection

N accordance with the Fair Credit reporting Act 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally address your agency 's failure to remove certain items from my credit report, despite my dispute letter sent over 1 year ago ( XX/XX/year> ). In that letter, which is both dated and time-stamped, I provided clear evidence and requested the removal of specific items. However, these items remain on my report, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, as outlined in 15 U.S. Code 1681b, Permissible Purposes of Consumer Reports, I have never provided written consent for your agency to report any information on my consumer report. Lack of consent constitutes Identity Theft, and therefore, these accounts must be deleted immediately. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX