23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In late XXXX or early XX/XX/XXXX I went online to the Carrington Mortgage website and attempted to retrieve my 1098- Tax Statement for XXXX. It was no longer available as all of my documents other than one showing for XXXX were missing. So I called the customer service number and requested my 1098 Tax statement for XXXX so that I could file my XXXX tax return by the XX/XX/XXXX deadline. I advised them of my new address so that the confidential document would not be mailed to my former address. I was advised that it could take 5-7 business days. Due to COVID-19 I allowed several weeks for possible delays in mailing. 
In late XXXX or XXXX XXXX, I called again requesting the XXXX statement and confirmed with the agent my new address. The agent indicated that it was mailed out and that since I had yet to receive it she would again mail out the XXXX statement and that the time to receive it would be 5-7 business days. 
I have repeatedly attempted to call again and due to COVID, I am no longer able to speak with anyone via phone.
Product: Student loan

I received a call from someone in a call center claiming to be from the XXXX with the goal of finalizing my student loan forgiveness eligibility but they said it would require me to have my loans, currently in deferment, to be repaid beginning next month. I told them my loans aren't set to come out of deferment until XXXX so it doesn't make sense for me to agree to pay up to {$170.00} per month while I'm unemployed when I'm currently required to pay {$0.00} per month. They had my account information already, although I did confirm a few details. They were able to reset my password to XXXX @ XXXX. I changed it after the call but wanted to follow up on the official site just in case. Essentially, if they were trying to hack me they would have been able to without calling me but still I was concerned that I was misled. When I said I couldn't repay right now they just said ok and hung up. If I'm eligible for student loan forgiveness on the condition of repayment I would think I wouldn't be asked to pay anything while I'm currently on deferment. If it's a scam, it's already compromised the system. If they are scammers and not an authorized XXXX party then the data breach is severe. My mom said student loan forgiveness doesn't call out but it seemed very official, even the email for authentication. I just didn't understand the sudden call for eligibility. I also want to make sure I'm not losing my chance at student loan forgiveness just because I can't pay right now. My phone usually blocks spam so that is something I considered as well. They claimed they already had my SSN by reciting the last XXXX digits, and already had my address too. The phone call location was from XXXX, IL with phone number XXXX. My phone shows they ended the call after XXXX minutes and XXXX seconds. The call came in at XXXXXXXX XXXX XXXXXXXX. I blocked the number and changed the password they reset after following up on the direct website. I am XXXX XXXX XXXX XXXXo I am usually good at determining phishing. This may just be a massively sophisticated scam and data breach. I only answered the phone because the caller ID said " US Department of Education ''. None of my loan statuses have changed on the studentaid.gov website and I will confirm with my loan provider. If this truly is a scam and data breach then I expect to be part of a massive class action settlement. I don't remember the name of the person but it was a male, likely between the ages of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but could have been XXXX. The background noise was the sound of a standard call center and I was told that, after confirming my information, I was going to be transferred to get an estimate of the forgiveness amount I was eligible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen there was inquiries on my report that I did not authorize causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX from Pennsylvania from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and 8 inquiries I didn't authorize its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times.transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States I have a right to privacy.

15 U.S.C 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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 and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ) XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 
15 U.S.C. 1681 section 602a states that I have the right to privacy.

15 U.S.C. 1681 section 604A section 2 It also states that a consumer reporting agency can not furnish an account without my written instruction to do so.
Product: Credit reporting or other personal consumer reports

I have been with United Community Bank for a long time, and I have always appreciated the good value and service I have received from United Community Bank. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. I need this to be remove as it's affects my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen and used to open multiple fraudulent accounts. I did not authorize the opening of these accounts I have previously submitted and FTC affidavit and a Police report supporting my dispute with Experian. When I first submitted my claim back in XXXX of 2020 these fraudulent accounts were removed from my credit report. In XXXX of 2020 more than 30 days later these fraudulent accounts were put back on my report. I have disputed these accounts ( XXXX  XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX ) on several occasions. I was told on XX/XX/2020 by the specialized fraud department of Experian that my dispute will not done because the company has verified that they belong to me. I have contacted these companies and when asked for verifying information the information did not match what was within their systems. I was also told that when a company can respond after 30 day. According to the FTC According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. Experian is refusing to remove these fraudulent accounts past the 30 day time frame.
Product: Credit reporting or other personal consumer reports

I was applying for a refinance loan from Rategenius. I was told by the company that they would only pull my credit report once and there would only be one hit. I have two credit inquiries from two places that I did not approve of. One is XXXX XXXX XXXX XXXX and the other is XXXX XXXX XXXX XXXX. I did not approve these.
Product: Credit reporting

I received an alert of a collection bill I checked my credit report and seen that this account from XXXX has report that I owe them which isnt true this isnt my account which I disputed back in XX/XX/XXXX and the item was removed now we are here in XX/XX/XXXX and they have place this account back on my credit report with a different balance. This has dropped my score so very much and this just isnt fair and something need to be done about this. Again this is not my debt and it should not be on my report.
Product: Checking or savings account

Around XX/XX/2020 to XX/XX/2020 My bank of america account was closed No details given nothing now by not having the account is hindering me from funds for anything due to no proof of banking information I recieve deposit from jobs and other sources Investment in my business this account was closed for unknown reason to me I've inquiried several times but no answer or justified reason if any thing was funny I do not know who to even dispute against or defend my self and without at least 6months of Bank history I'm now being denied new bank account anywhere and no funding
Product: Credit reporting or other personal consumer reports

Per The Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' 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. '' ( Furnisher of information to credit agencies ) 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 : On XX/XX/XXXX Credit reporting companies, ( XXXX, TransUnion, XXXX ) were informed that I have opted out of from all credit reporting agencies, credit card companies, banks, all etc., per 12 CFR 1016.1, 1016.13, 1016.14, 1016.15 from reporting, selling or sharing any/all my information. Also accounts that were not, wrongfully reporting balances or payment history ( 15 USC code 1681 ) that needed to be updated as well as personal information on file/report. None to little change 30 and 45 days later. On XX/XX/XXXX after calling each agency over the phone to update personal information and make disputes, certified packages went to Transunion ref # XXXX, XXXX ref # XXXX, XXXX # XXXX disputing incorrect information and unlawful reporting. XXXX agents were combative and very resistant to make lawful updates/changes to personal information and credit card reporting 's and unauthorized inquiries. No updates made to file or report. In XXXX I spoke with representatives from all companies to follow up on credit reporting and corrections. Instead of TransUnion updating student loans to reflect XXXX balance, they completely removed all student loans from the credit report. Since all 3 credit companies have not updated reports, I sent each another request with reports marked appropriately with correct information. XXXX ref # XXXX, XXXX XXXX, Transunion re # XXXX. Reporting Transaction history is illegal -15 USC 1681a. Also credit agencies/companies need written consent to add anything to my consumer report. This is a violation of the Fair Credit Reporting Act. 15 US Code 1681 c -Compliance procedures, ( b ) Accuracy Report. Companies are liable for damages under 15 US Code 1681 n-Civil liability for willful noncompliance. Other violations 15 USC 1681, 15 USC 1681s-2, Privacy Act of 1974 ( US code 552a ) Also the credit accounts that are listed/sold or charged off to affiliates/3rd parties are in violation as well. I would also like to add charge offs are considered income and not to be on credit files/reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is with CRA TransUnion For a long time, they were not updating a credit card I use primarily ( XXXX XXXX card ). I complained that they should update, so instead they just wiped out the reporting of the card altogether. 

I got tired of them not reporting my use/payment history of this primarily used card, so I went to their dispute center to tell them to put the card back on my record and properly update it, and I never got past one part of the reporting process. It just provided no form to enter the request. I thought it might be browser-dependent, so I tried going through the form process using another browser and I got stuck at the same point : no page showing a form to advance to the next step. 

I don't think this is a technical problem. I think this is intentional. Perhaps it's because I used the process before and they believe I should not use it a 2nd time. 

There is a new regime in the government now, one not favorable to the consumer and entirely favorable to those entities that run a business or make obscene profits. I suppose I am writing to an entity that will even discard this complaint into the bit bucket.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a debt that is not mine with the collection company National Credit Systems for amount of  XXXX dollars. I have also disputed the debt to the credit bureaus and they claim the debt was valid. I have never lived nor have i ever done business with the creditor XXXX was collecting for. I have asked for proof the debt was mine and the company was unable to provide anything with my social security number, date of birth or address. Nothing was provided showing i signed any contract or provided any banking information to this company i have not heard of. This account was closed on my credit a couple times and re opened by XXXX illegally. XXXX never sent any letter giving me a chance to dispute prior to reporting negatively on my credit. I am asking this be removed from my credit and collections actions be stopped as this is not my debt. 

Thanks!
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX. In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. These creditors must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report { insert creditor } to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding { insert creditor } accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Checking or savings account

Account was suspended when I found out fraudulent checks were deposited and removed from the account after I had lost my wallet
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating my consumer rights. Equifax continues to report inaccurate, incomplete and unverified information of bankruptcy docket # XXXX on my file # XXXX. The court confirmed that they did not provide any information to credit reporting agencies, nor do they ever validate and/or verify public records. Equifax buying this inaccurate, incomplete, and unverified information from a third party does not absolve them from accountability. Equifax 's noncompliance of 15 USC 1681i ( 5 ) ( A ) ( i ) which states, " 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. '' Equifax continues to violate this law as they have not deleted the information which constitutes willful noncompliance and is subject to civil liability for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

ILLEGAL REPORTING OF INCOME ON MY CREDIT REPORT, no INCOME IS ALLOWED TO BE REPORTED ON A CREDIT REPORT! 

The IRS generally considers canceled debt of {$600.00} or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over {$600.00} which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. XXXX is not allowed to be reported to a credit report or suppose to be a factor within a credit report. 
IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME CANT BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSE TO BE! WHEN A CHARGE OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE OFFS OVER {$600.00} DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! 

I have also filed a 1099-c on XX/XX/2023 which was accepted by the Irs and then mailed to XXXX XXXX XXXX XXXX and was emailed directly to their XXXX & XXXX with a copy of the 1099-c, which I have submitted here.

Please immediately delete the following accounts immediately from my credit report! 


XXXX XXXX XXXX XXXX  FOR {$890.00}
Product: Credit reporting or other personal consumer reports

This is my 13th XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX, XXXX. XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Inquired on XX/XX/2023 2023