23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Tuesday,  XXXX   XXXX  at  XXXX  I received a phone call from  Portfolio Recovery Associates regarding a credit card  balance of {$7000.00}. This was the first time I received a phone call from this company regarding this account and I respectfully asked that if there was any validity to this account that they provide it in writing and NOT to call my number (  XXXX  )  XXXX . She became belligerent and began to argue with me that they could and would not accept any verbal request and that my request would have to be in writing. I told her the written requirement is no longer necessary based on new changes in the law. She said she has been working at  Portfolio Recovery for o ver 12 years and she knows that is not true. Her tone was and attitude was very condescending and negative. I told her that I will be filing a formal complaint with the CFPB
Product: Credit reporting

I disputed my inaccurate XXXX item with TransUnion. It was inaccurate because the high credit amount was different from the balance. Both have to be the same amount if the past due amount is XXXX, which it was. Anyone could look at the item and see it was inaccurate, without information from the furnisher. TransUnion made no effort to investigate. Please delete this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Reporting Agency, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b. 

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties. 

Please note that due to my current physical situation, which is the result of a prolonged XXXX sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XX/XX/XXXX and shortly before, I experienced significant financial hardship and reached out to XXXX to see what my options were. I was told I was placed on deferment and all would be okay. I did n't even realize until now that I have 2 " 90 day lates '' from XX/XX/XXXX. I did not know of IBR, and I thought that I was okay ( according to the XXXX Customer Representatives ). I now have negative information on 2 of my accounts ( will attach ).  I believe, that if I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit report. I would like to note that I did have 2 late payments removed recently as a result of XXXX 's exceptional customer service that I received recently. I 'm hoping that XXXX understands that I was n't informed of all of my options, and removed the " 90 day lates '' from XX/XX/XXXX. I also hope that moving forward, they strive to be transparent when it comes to the many available options borrowers experiencing financial difficulty may have when it comes to their student loans.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX ( Original Creditor : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has listed my last name as XXXX for over 5 years and refuse to fix it. It is listing the wrong last name with my social security number and date of birth. My correct last name is XXXX. I disputed this at least 3 years ago on the phone and they stated they would take off the wrong last name but they never did. I disputed it again recently and they stated they would contact the third party who supplied the wrong name and get it fixed. I also uploaded my driver 's license and social security card so they could see what my correct last name was. They still haven't fixed my last name yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream - They are not easy to work with. I did what I could through their website and phone calls to them proves to be fruitless! I Only submitted through CFPB because I Do Not have a printer or fax. I can upload through CFPB. I will submit an ID and Utility Bill for you Again because clearly you do Not have record of what I have Already Sent.
Product: Student loan

Aidvantage has my loan previously services by XXXX. It had two other servicers before that, as I graduated and started repayments in XXXX. Aidvantage only shows history going back to XXXX. I'm afraid the years that I was steered into forbearance or deferment will not be accounted for in determining my loan adjustments.
Product: Debt collection

A male individual uses a number of different phone numbers, including : 1. ( XXXX XXXX XXXX ; 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX ; to contact me back to back to back about alleged debt. He threatens to show up at my doorstep, demands my social security number and date of birth. He says I owe money and that he will email me. He sends no email but continues to use different phone numbers to harass me, even after I told him to stop calling me.
Product: Checking or savings account

XX/XX/XXXX XXXX my account was hacked and all but XXXX cents was takin from my account Bank of America has denied my claim twice and are being very unprofessional with my claim and or calls it is now XXXX and they still have yet to return my funds to me or send me a new card there have been transactions goin thru my bank I am not making and the Bank will not assist me nor help in anyway because they believe Im authorizing these things
Product: Checking or savings account

I set up automatic payments for the minimum payment to my credit card. My credit card company is also with chase. I made the payment early on XX/XX/XXXX for the amount of XXXX the payment was not due until XX/XX/XXXX. On XX/XX/XXXX the bank made another payment for the amount of XXXX although I did not have that amount of money in my checking account. I called on XX/XX/XXXX when I got a notice my account was overdrawn I called and did a stop payment which they stated would be credited back to my account the next day on XX/XX/XXXX. On XX/XX/XXXX I did not receive a refund I called the bank and they stated the payment already posted and I would have to submit a claim which I did with both the credit card company and the claims department both said it would take 5-7 business days to receive my refund. I called the bank again on XX/XX/XXXX they claim they stated they had no claim submitted on XX/XX/XXXX although I sat on the phone in XXXX for 30 minutes paying international fees to get my money back because I have XXXX dollars in my account. I had resubmit another claim that I would have to wait 24 hours to submit a dispute form to which they ultimately denied without reasoning. I never authorized the back to make this payment I never had the money in my account to make that payment in the first place. Now I dont have any money to pay any of my bills.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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

I am submitting this complaint on my own behalf. I am submitting this complaint based on new information, regarding a past complaint against Equifax dated XX/XX/2021. Equifax stated in the previous complaint that they would send me investigation results within 60 days. ( see attachments ) The FCRA states that consumer reporting agencies have 30-45 to complete an investigation, verify or the account must be deleted. It has now been 105 days since my complaint and I still have not received anything regarding the investigation from Equifax. I called Equifax and spoke with a rep who told me to file a fraudulent identity theft report with the FTC and local law enforcement in order to have the account deleted. Equifax has broke XXXX XXXX by continuing to report inaccurate information. Trying to resolve this has caused me stress, mental anguish and headaches. I want this account removed from all consumer reports and credit files immediately and permanently or I WILL SEEK AN FCRA ATTORNEY AND FILE A LAWSUIT
Product: Debt collection

I recieved a bill from Glass Mountain Capital on XX/XX/XXXX. This bill stated I owed {$1100.00}. I called on XX/XX/XXXX. The person I spoke to said the company owed the money was XXXX XXXX XXXX. And they might sue me. 

I explained that I had my identity stolen in XXXX of XXXX due to a security breach with a local hospital. I offered to send the police report and FTC complaint file in XXXX and another FTC report filed last year. 

The person I spoke with stated they would inform the company that it was a fraud case and hung up. 

Today I recieved more correspondence from them to harrease me.
Product: Credit reporting or other personal consumer reports

Recently, I researched my credit report, which resulted in tremendous despair. I'm XXXX XXXX XXXX. This is harmful to my health and a defamation of my character. I discovered unverifiable, incorrect, erroneous, and doubtful data that your agency did not confirm to be 100 percent accurate. In accordance with 15 U.S.C. 1681e ( b ) ( b ) Accuracy of report, When preparing a consumer report, a consumer reporting agency must take reasonable measures to ensure the utmost possible accuracy of the information about the individual to whom the report pertains.

I am aware that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ), in general, inaccurate or unreliable information must be treated as such.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall ( i ) immediately 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 ) immediately notify the furnisher of that information that the data has been deleted or modified If you can not supply me with a copy of verifiable evidence within 15 days after the conclusion of your inquiry, you must remove the accounts and/or information specified below. Thank you for your assistance in this case. 
1. 15 U.S code 1692 ( g ) validation of debt XXXX Account Number : XXXX Please remove it from my credit report. 
2. Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
4. You are in VIOLATION of the HIPAA Act for sharing my security and privacy of health information. I NEVER given you any consent to report this. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all 3 Bureaus Experian XXXX and XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Thank you for your cooperation
Product: Checking or savings account

I went to the Huntington Bank branch on XXXX XXXX on XX/XX/ and they did not allow me to withdraw my money. 

Claim Number : XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Disputed Credit Accounts on my Credit Reports to the Credit Bureaus. Seemed funny that the Credit Bureaus completed the dispute process in less than 30 days.

I ask for these credit accounts to be deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX  XXXX XXXX credit card with a 30-day late payment and seven years of good payment reporting on my credit reports Experian keeps on verifying it but not validating it I have spent a minimum of 4 hours on the phone with XXXX XXXXXXXX themselves and they have no record whatsoever of my ever having such an account. It shows closed in good standing with XXXX  balance but the one 30-day late payment they are reporting is damaging my credit report and Reporting negatively being the fact that there is no such proof or record of this account whatsoever at XXXX XXXX I don't understand how they are possibly validating that this is accurate account. 
I have tried disputing it numerous times and I have had numerous XXXX XXXX employees also try to dispute it. 
If Experian or XXXX or XXXX  can not simply go on there and adjust the one negative payment that the tradeline is reporting then because of the fact that there is no proof of this account or account numbers existence whatsoever I request them that the entire tradeline be deleted from my report. 
Yes they have done nothing but assure me that it is accurate on my reports and every time I call XXXX XXXX and XXXX XXXX assures me the account never existed. I do not know where to go from here but I am very frustrated at this negative payment being reported monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

( IVE SENT OUT LETTERS TO ALL 3 CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Money transfer, virtual currency, or money service

My account has been locked for over XXXX months. Ive contacted support XXXX times and they keep giving me the runaround. 


They can not tell me why my account is restricted. Nor can the support rep ever do anything aside from escalate my case to the XXXX XXXX. Every time Im escalated, they say wait for an email. If you dont receive XXXX in XXXX days, reach back out. 

I have never received an email. I verified my ID, bank account, and every other security measure. 

XXXX XXXX XXXX is # XXXX Older Case Numbers over the past XXXX months : XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. My information was involved in the XXXX XXXX XXXX and I have a number of fraudulent inquiries on my report that I need removed immediately. This is my written consent to remove the fraudulent inquiries/accounts. The accounts are unauthorized and I received no benefit from the accounts.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; 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
Product: Payday loan, title loan, or personal loan

We have a motorhome loan with bank of the west. We have been trying for months to set up online banking. Because I work during the day I cant always call and work with them. Today I had the day off so I was able to call. I called and have been hung up on three times by their online support telephone number. So I called the executive relations number and was hung up on when they transferred me. I called executive relations back and left a voicemail. They keep telling us they can not find our account number and it is the account number that is on our statement. This is horrible service and hanging up on me because I can not find my account number is uncalled for. I am beginning to think I do not owe them this {$82000.00} if they can not locate my account number and get me set up an online patient so I can pay my bills easier.
Product: Credit reporting or other personal consumer reports

I am completely frustrated and disappointed with the continued errors on my report. These mistakes are lowering my score and preventing me from securing important financial opportunities. I should not have to deal with this over and over againit is completely unfair.