23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I owe {$15000.00} to XXXX XXXX XXXX and I had been making very regular monthly payment until I lost my job in XX/XX/XXXX. The same year I decided to move out of my home in XXXX XXXX, XXXX   to XXXX, XXXX  XXXX  to reside with my wife 's family and I left XXXX XXXX, XXXX   in late XXXX, XXXX. I wanted to get back to my job search but the Covid-19 pandemic situation forced me to dedicate myself for the care of my elderly parent in laws, one of them is a XXXX XXXX patient surviving on XXXX. 

I received an email from the debt collector Rausch and Sturm on XX/XX/XXXX that I attached for your review. Upon receipt of their email I contacted XXXX XXXX XXXX who referred me to the debt collector Rausch and Sturm and I have set up a payment plan with them. I have also emailed their representative XXXX XXXX twice in a row but I did not receive any response at all. 

After living for more than a year in the XXXX XXXX, XXXX XXXX I returned XXXX XXXX, XXXX  on XX/XX/XXXX. I was truly surprised to learn from my tenant that the debt collector Rausch and Sturm had tried to force them to receive letters dispatched from their office. I was astonished to see a letter that came from XXXX County Court where the debt collector Rausch and Sturm has acted on behalf of XXXX XXXX XXXX as the plaintiff and considering myself as the defendant and the letter was to notify me that they have been granted a default judgment against me to collect the debt I owe to XXXX XXXX XXXX and that they are going to initiate a bank Levy and a wage Garnishment. This whole lawsuit process in the XXXX XXXX XXXX has gone quietly without sending me any notification and while I have been making payments as a scheduled
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I called XXXX to discuss paying off my account after several calls before this day 's call. XXXX XXXX XXXX  their rep ( XXXX ) began a text conversation only to acknowledge the debt was approaching past due status. I proceeded to state I was aware and that unless I could get an amount of payoff the contract should cease. I ended the discussion because she could not provide a payoff amount. Later that day ( XX/XX/XXXX ) another rep ( XXXX XXXX began texting that Belmont is only the finance company for XXXX. Preceded to redirect me to contact XXXX about any issues. Noted that at this point I had made autopayments for the past 6 months. Long story short, XXXX presented an offer by asking me to pay {$3000.00} ( original debt ) which I turned down but agreed to the final payment of {$2500.00} as payment in full. An email confirmation was to follow with a letter from Belmont stating paid in full. He agreed but once payment was processed. XXXX was immediately processed but no email confirmation. Called and texted but no response from XXXX. Called Belmont and supposedly got his XXXX XXXX who refused to acknowledge the payment in full but emailed the payment confirmation. Next, the credit reporting repeatedly stated nonpayment, delinquent and past due balance, and hard credit inquiries dropping my credit XXXX XXXX. I did a review and they made a correction but then returned to reporting past due balance closed account and derogatory payment history 3 times in a day on XX/XX/XXXX and continued as recently as XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$12000.00} XXXX  XXXX Balance : {$12000.00} XXXX  XXXX Balance : {$12000.00}
Product: Checking or savings account

( NOTE that the account and routing number belong to UMB BANK, NA -- see attached files, CFPB1 & CFPB2 -- first shows the unreasonable hold representing all but {$2.00} of the balance of the account, and second, the ledger from other bank, showing that UMB/XXXX  received the funds on XX/XX/XXXX in-full and without question ) On XX/XX/XXXX, I initiated an ACH transfer through my XXXXXXXX XXXX XXXX  account ( underlying bank is UMB, NA ) from another bank to UMB/XXXX  This was done through UMB/XXXX portal ( an ACH " pull '' so it seems to be called ). The funds were debited from the other bank and UMB/XXXX  was in full receipt of those transferred funds by the next day, XX/XX/XXXX, according to records provided by the other bank. Despite full settlement within 24 hours, and my clean record and excellent credit, UMB/XXXX chose to silently place a THREE WEEK hold on the entirety of my funds, not allowing me access to even a XXXX of it until next month! How am I supposed to make informed decisions, live and pay bills with such egregious conduct occurring? Not only am I unable to pay my bills and buy food to eat as a result of these actions, the bank is USING MY FUNDS TO THEIR BENEFIT AND WITHOUT MY CONSENT for the better part of a month! 

Not only must this unjustified, extremely unreasonable conduct cease at-once, but I call on the CFPB to investigate and also involve members of congress ( banking committees ) , as well as the Federal Reserve , to place limitations. Historically, the longest hold was for checks at ( up to ) seven days. UMBXXXX are placing holds that are TRIPLE or more that length of time!! A telephone agent complained about fraud, but I have never been a fraud concern. I'm in the highest-tier of possible credit, my address and information remain the same, I am about as predictable and reliable as a customer gets. It appears that UMB/XXXX are engaging in such egregious and harmful behavior only because they aren't being subjected to checks and oversight. Apparently there are no rules and they are taking advantage of that situation to the bank 's benefit!
Product: Credit reporting or other personal consumer reports

This loan was paid off in 2022. The information on my credit report is incorrectly marked as a negative charge off. The company has already written it off in taxes. Please remove this remark and account under the Fair Credit Reporting Act 15 U.S.C. 1681m.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below and if the ftc. XXXX XXXX, XXXX no account number is was added it was a secured card, XXXX XXXX XXXX XXXX .... XXXX XXXX who has not removed this account after multiple times of contacting them directly and also requesting validation.
Product: Credit reporting

Hello, The FTC has a website recommending XXXX credit report companies who are responsible for providing 1 free credit report each year. This government website ( https : //www.consumer.ftc.gov/articles/0155-free-credit-reports ) links you to this website to get the free credit report : annualcreditreport.com. 

When you go to annualcreditreport.com, you can not access your credit report from any of the XXXX agencies due to various " errors. '' So the only way to get one is to pay {$1.00} by navigating directly to the website of one of the XXXX large credit monitoring companies. I recently had to do this. After receiving a PAID credit report from Experian ( for {$1.00} ), Experian without my permission began billing my credit card ( {$21.00} ) for a recurring subscription to a service that I never asked for. 

On behalf of all the consumers who rely on these XXXX big credit companies for fair and free credit reports, especially for those who are n't savvy enough or lucky enough to check their credit card history for fraudulent charges, please prevent Experian and the other large credit agencies from this type of blatant fraud. 

Thank you.
Product: Debt collection

Franklin Collection Service has failed to provide proof that I indeed owe this debt. They still report it to the credit bureaus without proof that I asked for. They are violating my Fair Debt Collection rights. Please remove this debt because Im never going to pay it. I do not owe it. Plus I was affected by natural disaster Covid 19.
Product: Debt collection

The company calls and when you answer no one is there. When you call back they have stated they are looking for a XXXX or XXXX something. I have told them on multiple occasions that I have no idea who this person is. They continue to call from random numbers and when I answer no one is there. When I call and ask them to remove my number they state this is the first time they have spoken with me. 

They have state that the company they represent is IC System. icsystem.com is the company website.
Product: Credit reporting or other personal consumer reports

Its my understanding that credit reporting agency would investigate and re-investigate this account for me to ensure 100 % accuracy. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. The Date closed as seen in attached documents listed as XXXX XXXX XXXX I am demanding a deletion of the following account : Account : XXXX XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX, TransUnion and XXXX do not have my consent to furnish this information and they most definitely do not have my written consent. Any and all consent to XXXX, TransUnion, XXXX, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX ) Never informed me either written or otherwise of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, TransUnion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
Also, according to the IRS charge-offs are considered certificates of indebtedness and thus considered income and it is illegal to report income to consumer reporting agencies.
Product: Credit card or prepaid card

Reward certificate dating from XX/XX/XXXX to XX/XX/XXXX expired totaling more than XXXX dollars not clearly mark as stated under California law in a font size of 10 in all capital letters
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX - {$280.00} - Balance Updated XX/XX/2023 - This is a fraudulent and unauthorized charge on my credit report, I never authorized XXXX to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like XXXX XXXX and even with XXXX  and this is still a standing issue that needs to be resolved. 

National Credit Adjust - {$780.00} - Balance Updated XX/XX/2023 Department Of Education - {$10000.00} - Balance Updated XX/XX/2023XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXlease keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft in XX/XX/2018. I placed 90 day fraud alerts at all three credit reporting agencies. I then attempted to place credit freezes at all three credit reporting agencies. With XXXX and XXXX  there was no problem and they allowed me to set the freeze and obtain a pin. With Experian after multiple attempts to do online freeze I have been unsuccessful. So I complied with request to send ALL of my personal data through the mail to them. That was 7 weeks ago and I have heard nothing from them. I have attempted to call them at all listed numbers but after going through their phone tree and giving my name, address, SS #, age, etc I am told they can not help me on the phone. I am not sure what to do or who to contact. I need this credit freeze placed but seem to be blocked from doing so by Experian. Their refusal to allow any contact with consumers seems quite abusive given that they have all of our information and huge control over our lives without our express consent. I am asking you to help me find a way to obtain the freeze with Experian. 
Thank you.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX  out of XXXX XXXX my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Debt collection

Took out pay day loan from XXXX .... at ( as I found out later ) outrageous interest rate over 200 % APR ( at least ) Attempted to resolve the matter ( to reduce APR ) the refused to. 
They tried to get money out of me- I blocked them. 
Over 15 months later I get threatening calls from Trademark Management Solutions XXXX, stating that if I dont cooperate with them, they have server in the area to file criminal charges against me. They started to call everyone with the same last name and threatening them too. 
When I called back they said they were mediators and coned me to agree to pay them {$300.00} per month till I payoff ( {$5000.00} ). 
I paid them XXXX {$300.00} each time by my debit card so far, called to change due date and requested a slightly lower amount ( {$220.00} ) - they refused and XXXX thing this morning I received a phone call from someone called XXXX XXXX stating she is local locator and she will be visiting me @ the place of my employment or residence with some court papers. 
At which I emailed them Cease and Desist letter ( to the same email address they were communicating with Me from ) and emails starting to come back as not able to communicate over the email demanding to call only. And then it changed to can not accept emails also. 
I did research on the firm and found a lot of complaints and there is even law firm investigating for threatening people with the same type of messages that I have been receiving from them. 
They Need to Be stopped and outlawed!!!!
Product: Credit reporting or other personal consumer reports

Transunion has been contacted in XXXX of XXXX, and by phone multiple times after that date to remove all adverse and inaccurate items. Fair Credit Reporting Act violations identical to the other reports section 623 ( 15 U.S.C. 1681 s-2 ) mandates that furnishers provide complete and accurate information. The information has been investigated by the consumer and found to be incomplete and inaccurate. Denials to obtain credit have impacted my financial affairs and cause business loss daily.
Product: Debt collection

I keep getting calls from this company ( " Highpoint Assets '' ) for XXXX XXXX ( not me ). I 've asked to be removed from their list several times to no avail.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report with XXXX and found the servicer of my VA mortgage loan " XXXX XXXX. XXXX '' has extended my mortgage by 24 months from a 30 year mortgage to 32 year mortgage. In the comment section of credit report XXXX XXXX reports Loan Modified essentially extending the loan an additional 2 years From XX/XX/XXXX to XX/XX/XXXX. I DO NOT have a mortgage loan modification with them and my account is in good standing. If this is on my XXXX credit report it's more than likely on all the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX XX/XX/2021
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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all FTC violations see attached reasons