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

Data furnisher 's accounts and inquires listed below, have certified to the Consumer Reporting Agency. Information that is misleading, inaccurate, incomplete, unavailable or a result of fraud and or identity theft. Metro2 compliance violations. Delete these accounts now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Areas of these data furnishers reporting effected by this : Original Creditor Name, Creditor Classification, Term Duration, Portfolio Type, ECOA Code, Date of first Delinquency, Date Closed, Special Comments, Actual Monthly Payment, Payment Rating, Charger of Date, Date of last Payment, Payment History, Account Status, Account Type, Credit Limit, Highest Credit, Term Frequency, Segment Identifier, Account Number, Account Identification Number Change, Compliance Code, Consumer Information Indicator, Address, Name, Phone Number, Date of Birth, Social Security Number.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX accounts Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the company the following letter - and I got no response. They did not validate the debt under FDPCA and ignored 1692G of the FDPCA. Please be advised this 1692g letter is for all!!! Accounts you have listed under my name that are inaccurate and now you are in violation of 1692 ( E ) subsection 8. I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. Additionally, according to Metro 2 compliance, you are not listing the first date of delinquency on XXXX  or XXXX  as required under Metro 2 - another reason for deletion.
Product: Mortgage

Started in XXXX of 2012. Applied for a modification. Told must be 3 months behind. So in Late XXXX of 2012 we applied after meeting their instructed requirements.Several months later we were told we didn't qualify ( made to much money ). However we were encouraged to reapply. So we did. Several months later we then were told we now don't make enough money. However again were encouraged to re reapply. So we did. This time all seemed well. 2 days before the Mod was to be in affect they informed us they have sold the note an we must start fresh. This behavior as we have explained above has taken place 3 more times an continuing during this time period ( some 30 or so months ) each mortgage service co. wanted the full amount owed on the mortgage to be paid in full and would not except any monthly payments.The note service r currently ( Nation star Aka. Mr. Cooper ) Has weekly and intentionally harassed, Lied, played confused, delayed, any an all our efforts to resolve this major problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked all 3 credit bureaus to investigate an account that XXXX XXXX added to my credit reports. 

In accordance to the Fair Credit REporting Action, Section 609 ( a ) ( 1 ) ( A ), I requested by federal law the verification i.e. through the physical verification of the original signed consumer contract for the account. To date I have not seen or been provided evidence of such. I request to see some verifiable proof which would include an Original consumer contract with XXXX XXXX. The failure to properly verify this account has negatively affected my credit. I respectfully ask that this account be removed immediately. 

In addition, please provide me with verified documents where XXXX XXXX purchased an account which it states that I owe. I have no evidence or documents where XXXX  XXXX holds any debt that I may owe. 

Lastly, please remove all non account holding inquiries over 30 days old and add a promotional suppression state to my file as it concerns this XXXX XXXX account.
Product: Debt collection

They called my house at XXXX on a Saturday. That 's not ok.
Product: Credit card or prepaid card

I obtained a secured credit card fro m First Progress Card i n  XXXX  of  XXXX . I kept it until  XXXX  of  XXXX . I called to close the account and the rep stated all I needed to pay is {$40.00} and I would not owe any other money and the account would be closed in good standing with no additional monies due because my security deposit would take care of the rest of the balance on the account. Now they keep billing me fees that I do n't owe. and have even gone as far reporting a charge off on my credit report. It is very difficult to reach someone on the phone with this company.     I have complained to each of the  XXXX  bureaus on this matter.
Product: Student loan

I have loans with AES and last year they purchased another private loan of mine from XXXX. After purchasing the loan from XXXX they are consistently applying payments from my original loans with AES to the loan they purchased from XXXX. This seems illegal if I made an agreement with XXXX XXXX and a separate agreement with AES the handling of payments should be kept separate, but this is not the case.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I made a payment on XX/XX/XXXX before XXXX XXXX  XXXX XXXX and Guild mortgage reported my loan past due when I made my payment before the end of the month online.
Product: Student loan

There were three monthly automatic payments even after I paid off my loan in early XXXX 

However, they have not provided me with a refund for my overpayment ever since. In XX/XX/year>, they asked me to verify my address, which I have done. Still, even today, I am not getting a refund for my payment. 

I called today, after two to three hours of waiting, the customer service representative. She said the refund was too complex for her to track and that she would transfer me to the advanced specialist. The advanced specialist transfer has been on hold for two hours without anyone answering the phone. 

If you search on XXXX, you will see many students like myself having difficulty receiving a refund from Mohela or talking to the customer representative.
Product: Payday loan, title loan, or personal loan

I applied for a personal line of credit in the amount of {$5000.00} to make repairs to my home. I used USAA 's online application and was denied. The reasons cited were serious delinquencies on my account, which is incorrect. I do not have any outstanding balances on my account. There is a Bankruptcy from XX/XX/2014that was dismissed when I became unable to work, however, the small amount of debt that was placed in the Bankruptcy has since been paid when I began to receive my XXXX  payments. The bankruptcy was filed to save my home and all my accounts are in outstanding condition. Therefore, I believe that USAA is using incorrect information. I called and asked to speak with a senior representative and have gotten nowhere. I have banked with them for over 15 years and have not burned them on any payments or been delinquent on anything ( automobile insurance ) or checking account. I do not have a bankruptcy account listed with them and am just baffled about how they are getting this wrong information. My application was unfairly declined. I wand someone at the corporate level to relook at my application.
Product: Checking or savings account

Navy Federal charged XXXX  for a business that has tried to take money from account 3 times this month that I did not authorize and they did not pay. If they would have paid it I can understand the fee.
Product: Mortgage

A modification was requested from XXXX XXXX XXXX  in XXXX for my mortgage. During the request the mortgage was not late and no payments were missed prior to the request. The request was due to income being reduced by {$3000.00} yearly. The modification was subsequently reduced however a charge of {$1000.00} appeared on my mortgage statement as recoverable advance. As stated before I was never advised that a modification cost {$1000.00} nor had a I signed any papers or received any documentation for fees incurred. The loan has since been transferred to a mortgage servicing company that will not accept mortgage payments forcing me into delinquency unless I pay for a modification granted in XXXX that I never received any correspondence that HAMP modifications cost that much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in XX/XX/2020 for Equifax to investigate on US DEPT ED- XXXX & XXXX & another dispute on XX/XX/2020. US Dept Education is in violations of my rights by the following collection/charge off account, with an account number of XXXX on my credit report is claiming to have Balance amount higher than the actual High Balance amount. As you know this is inaccurate which is a violation of my rights..
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft.XXXX  XXXX  account number XXXX, XXXX  XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX and XXXX XXXX please delete these accounts immediately
Product: Credit card

On XX/XX/year>, I purchased a computer monitor as a XXXX present for my grandson. On XXXX morning he connected the monitor to his computer and the monitor didnt work. On Friday, XX/XX/XXXX, I sent the monitor back to Best Buy via XXXX. On Monday, XX/XX/XXXX the XXXX package was received and signed for in the Best Buy XXXX, Wyoming facility. The XXXX tracking number of the package is : XXXX. I have to date not received a credit for the returned merchandise. The purchase price with tax is {$110.00}. Best Buy is expecting me to pay for the monitor that I returned to them.
Product: Debt collection

Dear CFPB, I am writing to formally file a complaint regarding repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) by Collection Bureau of America ( CBA ), in relation to multiple calls and attempted contacts made to me. These calls were made despite my explicit request to cease contact, and the collection agent failed to properly identify themselves during a call. 
Here are the details of the situation : Persistent and Unwanted Calls : I began receiving repeated calls from an unrecognized, non-local number ( XXXX ) associated with Collection Bureau of America ( CBA ). These calls were made to my phone number XXXX, which I did not answer. The voicemail left consistently mentioned that I should contact XXXX XXXX from CBA at XXXX, but I have no outstanding debts with this company. 
Call on XX/XX/XXXX : On XX/XX/XXXX, at XXXX XXXX  Central time, I received a call from XXXX. I decided to call back immediately. Upon returning the call, the agent from CBA asked for XXXX XXXX and requested I verify my personal information. I refused and asked them to mail or email me information about any collection or debt. The agent could not provide any details and instead rattled off an address, asking if it was mine. When I confirmed it was not, I made it clear that if they could not provide specific information regarding the call, they should stop calling me. The agent acknowledged this request. 
Call on XX/XX/XXXX : On XX/XX/XXXX, at XXXX XXXX  Central time, I received another call from a related non-local number, XXXX. I answered the call, but after several attempts to understand the agent 's words, I realized the agent was not identifying herself. Upon realizing I was recording the call, the agent abruptly hung up without identifying the company or providing any information. 
Violations of the FDCPA : Violation # 1 - Cease and Desist Request Ignored : After explicitly requesting that CBA stop contacting me on XX/XX/XXXX, I received another call on XX/XX/XXXX, which is a clear violation of FDCPA Section 1692c ( c ), which mandates that a debt collector must cease communication after receiving a request to stop calling. 
Violation # 2 - Failure to Identify the Debt Collector : The agent who called me on XX/XX/XXXX, did not identify herself or the company she represented, in violation of FDCPA Section 1692d ( 6 ), which requires that debt collectors identify themselves clearly when they communicate with a consumer. 

Request for Investigation : Given these violations, I am requesting the CFPB investigate this matter, ensure CBA complies with the FDCPA, and that they cease all further communication with me unless they are able to provide valid documentation of any debt they claim I owe. 
Please let me know if further information or documentation is required from my side. I would greatly appreciate your prompt attention to this matter and a resolution that ensures my rights under the FDCPA are respected. 

Attached is a copy of this complaint with XXXX screenshots from my iphone.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I ask the debt collectors to validate the debt no response. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of inaccurate/ invalidated credit information. Provide proof of the investigation or delete the account from my credit report immediately.
Product: Credit reporting or other personal consumer reports

To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Creditor Name : XXXX XXXX XXXX  Account XXXX Date of Charge Off : XX/XX/year> Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Charge OffXXXX Creditor Name : CCB/IDD Account Number:XXXX Date of Charge Off:XXXX Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Creditor Name : XXXX Account NumberXXXX Date of Charge Off:XXXX XXXXreditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX XXXXXXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
XXXX. This late payment status is irrelevant XXXX Account XXXX : XXXX Please update or correct this account immediately XXXX. This late payment status is irrelevant XXXX XXXX Account XXXX : XXXX This account is fully satisfied and closed. Please delete from my credit report immediately XXXX. This late payment status is irrelevant XXXX Account XXXX : XXXX This account is fully satisfied and closed. Please delete from my credit report immediately XXXX. This late payment status is irrelevant XXXX XXXX XXXX Account Number : XXXX Please update or correct this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications from the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the accounts and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX XXXX
Product: Debt collection

On around XX/XX/2020 California Business Bureau tried to collect a debt from me that was already taken care of by my employer for Workers Compensation. I tried to dispute this on several occasions but all communication on the phone has stopped and collections letters continue and now show as a negative report on my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, sent a letter to TransUnion but TransUnion says that " it didnt appear '' that I sent the letter and that they wont process my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was disputed asking to verify debt was mine they were asked to provide a document that bears my signature and bears amount owed or agreed upon, the were aslo notified that an Itemize statement does not provide proof as per FTC opinion letter : and FDCPA section 807-8 and section 623-b XXXX also notified of dispute and was requested to respond with documentation that bears my signature as proof this is my account upon the investigation, that i dont consent to third party or XXXX verification, that the must contact the collection or original creditor, to provided documentation bearing signature and forward to me upon completion of there investigation, Per FTC XXXX   was notified the same as XXXX.

FCRA section 611 ( a ) ( 1 ) ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from XXXX on XX/XX/XXXX, in which they stated they were not able to complete an application that I submitted. Since I had not applied with XXXX, I looked up their number online and called them on XXXX ( wasn't able to get through over the weekend ) about the call I received. I confirmed with them that someone had completed an application in my name but had misspelled my first name and used an email address that is not mine. I notified them that it was fraudulent and they removed the application. This prompted me to check my credit report in which I noted other inquiries that I had not authorized. I immediately called the financial entities listed in the inquiries to cancel any applications in my name ( XXXX XXXX and XXXX  XXXX XXXX ). Then I called all three bureaus, locked my file, filed a fraud alert, and asked that the inquiries in question ( all occurred on XX/XX/XXXX ) to be removed from my reports. I also filed an identity theft report with the FTC. 
XXXX and XXXX immediately removed the inquiries, but TransUnion asked me to upload documentation proving that I filed with the FTC and documentation from XXXX XXXX. I explained that I have NO documentation. I filed electronically with IdentityTheft.gov and provided them with my reference number and I called XXXX and provided them with my reference number. 
On the XXXX, I called again to find out why this inquiry was still on my report. They informed me again that they needed documentation which I do not have and have already told them this. They offered to contact XXXX to request their documentation which I gladly accepted. 
Today ( XX/XX/XXXX ), having observed that this is STILL on my credit report, I call again. They give me their broken record speech again, telling my that I MUST provide them with documentation that I DO NOT HAVE in order to have a fraudulent inquiry removed from MY credit report. Please help me understand how people are supposed to provide them with documentation on fraudulent transactions that they did not conduct and how this is in any way a reasonable request of someone who is already having to spend an inordinate amount of time to try to recover their credit that they have worked their entire life to build? 
Please hold TransUnion accountable to do the right thing for people who are legitimately contesting fraud. This is absolutely ridiculous.
Product: Credit card

My credit line with Discover was lowered from XXXX to XXXX not too long ago, they claim a recent review of account/credit score is the reason for their decision. However, the account has been paid on time and never over limit since opening and if anything, the credit line should have increased. At the time of supposed review, the account was paid off with a XXXX balance. Please note, at time of account opening the agreement did not state I needed to maintain a certain credit score in order to keep the XXXX credit line. Please do not mark this as duplicate as there is additional information not previously disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX  XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$7900.00}. Please delete ASAP.