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

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$59000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

There is no Signed Legal contract between myself and the XXXX has falsely added this information to my credit reports. There are no Signed contract between myself and them. Therefore these false information should be removed from my credit reports immediately
Product: Debt or credit management

Constantly calling or email/texting about payments from Jefferson capital systems LLC. {$1000.00}. I never did any business with this company do not know who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my initial letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update inaccurate accounts. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

Please verify these accounts : XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX : {$760.00} XXXX XXXXXXXX Balance : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Bank account or service

Continued lying and deception by Chase Bank. This has been going on for 3 years. We asked them to stop flooding our business mail box with their junk mail, complained repeatedly to the BBB, The Texas Attorney General and the CFPB. Each of these has been ignored or they send out a form letter saying they will cease and desist. In XX/XX/XXXX they lied saying it takes 90 days. It is now XX/XX/XXXX and we are still receiving their junk.The mail is addressed as : XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit, loans. XXXXXXXX XXXX XXXX {$470.00} XXXX. XXXX XXXX XXXX {$900.00} XXXX. XXXX XXXX XXXX {$1900.00} XXXX. I XXXX XXXXXXXX XXXX {$620.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX {$7200.00} XXXX. XXXX {$5500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I, the consumer, have identified information in my consumer credit report that is a result of identity theft. This account is not related to any consumer credit transaction completed by me nor initiated by me. Please remove this account immediately. My written permission was not given to this company to report this information as true and accurate as I was not disclosed the true nature of such information is requested. As a consumer, I have the private right to privacy and as of now the privacy of my personal consumer financial information has been violated and disposed to everyone who has viewed a copy of my credit report. To date, XXXX XXXX XXXX contains false, misleading, and deceptive information that have been sold leaving the consumer denied credit among other injuries. 

acct : XXXX XXXX  XXXX account : XXXX address : XXXX XXXX XXXX XXXX, ct XXXX
Product: Debt collection

I am writing to follow up on a complaint I originally submitted to your office on XX/XX/XXXX, under complaint # XXXX. The response from the creditor in question was both inaccurate and misleading. 

I raised concerns that the creditor has incorrectly reported six accounts. These accounts were all opened over ten years ago, but they are now being reported as having been opened between XXXX and XXXX, coinciding with the date the creditor purchased them. This reporting is misleading and significantly affects my credit profile. 

In response to my complaint, the creditor stated, We have no record of a request or a dispute being received in relation to our initial notification letters. This is patently false, as I have included email communication confirming my previous disputes. 

Additionally, I have made multiple follow-up calls to the creditor, and each time they claim the accounts are still under investigation due to the dispute. This process has been ongoing for several months, with no substantive progress. 

I respectfully request that your office intervene to ensure that this creditor reports these accounts accurately and transparently. This issue has dragged on far too long, and the false reporting is materially impacting my credit profile. 

Thank you for your attention to this matter. Please see the attached correspondence for further evidence.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my reports. Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

- My name is XXXX XXXX, last four of my SS # IS XXXX.My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by COVID. Not only did I have the virus and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE! MY ACCOUNT IS NEGATIVE {$140.00}! I WAS NOT TOLD BY GOING INTO A FOREBARACE, THIS WOULD PUT MY ACCOUNT OVER THE CREDIT LIMIT! This should be illegal! My credit is ruined because of this! This is a UDAPP VIOLATION AND A CARES ACT VIOLATION!
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Product: Mortgage

I specifically spoke to a PennyMac complaint representative letting them know that I spoke to a VA XXXX XXXX XXXX. I provided that VA XXXX XXXX contact information to the PennyMac complaint rep named XXXX XXXX. The VA tech specifically told me that PennyMac is one of the worst companies that lies to customers telling them the VA no longer allows the deferred payment option, which is not true at all. The VA does in fact allow this and did not cancel anything on XX/XX/XXXX preventing PennyMac from offering this. Even if this was the case, PennyMac should have let me know that they would not offer this after a specific date especially when mine ended 4 days before that specific date. Instead it seems it was intentionally withheld from me to get this extra money out of someone hoping that we would not do anything about this! I cant shop for anything cheaper at the moment as I have had to max out just about everything that I have to continue paying this extra XXXX $ a month for this mortgage! PennyMac not at least willing to do something about this is completely unethical and if needed I will contact a lawyer. Yes, I had to agree to these terms because if not I would lose my house where I am raising my family! So I was left with no other choice as PennyMac only offered 2 choices. Pay back all missed payments in one lump sun or take their enormous interest rate increase, which at the time was an even higher interest rate than what the VA allows!
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX  XXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX XXXX I am writing this complaint because Transunion, LLC., is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX XXXX Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Transunion credit file of XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting

I signed up at XXXX XXXX for a credit card processing machine. The sales person told me I could try it out and see how it worked for me. I returned the machine to him 2 weeks later stating it was too bulky and the monthly fees were too high for the amount I processed. He took back the machine within the 30 days and I was under the impression this was closed and done. I went to check my credit and see a charge for $ XXXX from First Data and when I called to dispute they said he never closed the account or ended the contract.
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 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 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: Mortgage

This is concerning Wells Fargo and the foreclosure that I experienced in XXXX. I recently contacted ( XX/XX/XXXX Wells Fargo regarding payments made to consumers who experienced illegally mortgage foreclosures and/or loan modification issues. 

Wells Fargo communicated to me that there were no payouts related to mortgages, only for car loans. I gave them my relevant information ( name, mortgage address, etc ) from XXXX. I also told them that I relocated to another address out of state in XXXX, therefore if there had been a notification, I would not have received it. 

In XXXX during the foreclosure process I repeatedly asked for a loan modification and was denied. Also the foreclosure documents from Wells Fargo had a significant legal error. I filed a document in XXXX XXXX new Jersey but nothing happened.
Product: Debt collection

RGS financial contacted me regarding an alleged debt owed to XXXX XXXX. They stated they sent notice on XX/XX/XXXX. I told the rep I would like to dispute the debt. Rep informed me that I would need to contact the original creditor and/or wait for the notice to arrive. 
On XX/XX/XXXX I was contacted again. I told the rep that I had not received the required communication from them per the FDCPA and the response was that they can't control the mail .The rep also stated they can't send another and that I could go look on the website regarding the debt as they had no information.
Product: Credit card

I received a statement by mail back in XXXX for this account. I called to let them know that I never applied for this credit card and that the charge of {$24.00}. They told me theyd report the charge and close the account. I again received a statement but this time by email letting me know my payment was due. I called again four times on Monday XXXX to get this handled because the fraud charges have acquired interest. The new total is {$51.00}. I let them know this was not my charge and they confirmed that the account was closed. I then got transferred to fraud and security where I was hung up on repeatedly. I called back today XXXX to try again and they are being unhelpful. I was given a number for Fraud, I called and they said that the employee gave me the phone number for collection to collect my past due payment. I again let them know that I never opened this card and they said they are working on it, which is the same thing I was previously told in late XXXX. This is affecting my credit score and I refuse to pay them for a charge that is fraud. They refuse to help me with this. 

Company : Barclay
Product: Debt collection

IT'S TWO ACCOUNTS ON MY CREDIT REPORT THAT IS FRAUD FROM BERLIN WHEELER AND XXXX XXXX XXXX AND THEY ARE TRYIG TO COLECT MONEY ON A FRAUD ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 They are violating FCRA 15 1681 eb for reporting information that is not 100 % accurate. 

Did not receive a 1099-C form " Cancellation of Debt '' from none of these lenders below 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 XXXXXXXX
Product: Debt collection

I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me a service that I agreed to pay them for
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Product: Credit reporting or other personal consumer reports

After several efforts to prompt Experian to investigate the issue, they continue to end up with the same result, being no change to the incorrect payment history and account status on our account with XXXX XXXX. We have made numerous investigation requests and Experian remains unable to get XXXX XXXX  to provide the same information that we have been given by the company. The account was never delinquent. It has been on a forbearance and now we were in a period of beginning a loan modification. Despite all of this, the research team at XXXX XXXX  and now Experian are trying to make us out to be deadbeats.
Product: Debt collection

IN 2018 I WAS SENT TO FEDERAL PRISON WHILE THERE ALL MY CREDIT WAS USED AND LOANS WERE TAKEN NOT BY ME SPRING OAKS IS TRYING TO COLLECT AND PUT NEGATIVE INFO ON MY CREDIT WHICH I HAD REMOVED WITH PROOF NOW THEY DID IT AGAIN ON XXXX I FILED A POLICE REPORT AND PROVIDED DOCUMENTS THAT IT WAS NOT ME XXXX XXXX HONORED MY CLAIM AND SAID FRAUD WAS COMMITED ON MY ACCOUNT ALL COMPANIES RULED IN MY FAVOR EXCEPT SPRING OAK ON BEHALF OF XXXX XXXX NOW THEY ARE TRYING TO COLLECT FOR IT
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Credit Card and its Credit Bureau Disputes Dept. closed both of the credit card accounts listed below and sold them to XXXX XXXX XXXX XXXX. 

XXXX XXXXXXXX credit card closed by Comenity on XX/XX/XXXX. 

XXXX XXXX credit card closed by Comenity on XX/XX/XXXX. 

XXXX has removed both accounts from the credit report under the " Collections " section but Comenity still shows this account as delinquent under the " closed account " section of my credit report.

I called Comenity regarding the concern and I was told that they were unable to provide any information on these closed credit card accounts as it pertains to them being removed from my credit report, although they removed the XXXX XXXX XXXX account which was in dispute. 

I advised that all credit card accounts listed needs to be removed as they're still looking like outstanding items on my credit report.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit profile just recently there were accounts, addresses, employment information, and several different phone numbers I did not recognize. I first did a police report also a FTC report to report I was a victim of identity theft. Then, I sent the information to all 3 credit bureaus. I was told I had to dispute this account which I did and each time it comes back saying verified. Then I started asking how is this account being verified if this is not mine? With no response back just each time verified. Each time I'm sending in a debt validation letter with no response other then this document that I've enclosed.
Product: Money transfer, virtual currency, or money service

Dear Paypal I want to appeal the outcome of this Paypal case ID : XXXX because when appealing thru paypal resolution is not possible, it shows a paypal glitch and error on the website and do not allow me to appeal. I am attaching pictures from the USPS delivery and pictures of item sold here. Please reverse the outcome and please put my {$490.00} back into my paypal balance again, I complied with the Paypal policy and rules and seller protection policy such as uploading the USPS tracking number. Thank you PS : here is the USPS Tracking Number : XXXX for my Appeal and URL link : https : //tools.usps.com/go/TrackConfirmAction? XXXX
Product: Debt collection

First of all this is a medical debt from more than 7 years ago. In XX/XX/XXXX I suffered a serious work accident that made it impossible for me to work for more than 3 years. When this happened, I called the cards that I was paying to inform them that I would not be able to pay the debt, telling them about the situation and wanting to reach a payment arrangement. They did not want to understand the situation nor did they want to come to a payment arrangement with me. 
In XXXX I received a letter from a XXXX  that they put into my bank account withdrawing around {$500.00} in order to collect this debt. 
Now again on XX/XX/XXXX my bank account was seized and debited in the amount of {$490.00}. 
There was no previous notice for this nor the right or opportunity to defend myself. IS THIS LEGAL??? I ask sarcastically being sure not. 
On countless occasions I have tried to contact them and they do not respond, when they do they can not answer me because I do not speak XXXX and they do not have anyone available in XXXX  or translation for me. 
This is discrimination and also, they have made it impossible for me to reach an agreement which is too unfair and goes against my rights as a consumer. 
This is not in compliance with the equal opportunity law that these companies are supposed to abide by. I did not receive any news of any of this in my mail. This is super illegal. 
Currently, I am the head of the family, I have a wife and XXXX dependent children who depend on my work to survive. 
I have spent hours and hours on hold trying to contact them. They have damaged my credit and my rent payments.