23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint today to inform the Credit Reporting Agencies about the damaging data they are reporting on my Credit File. After researching how to remove fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to FCRA section 605b, the Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID Theft Report. Upon recently receiving a copy of my credit report, I was shocked to find several accounts and inquiries that I did not open and have no knowledge of. I have attached relevant documents to assist in the blocking of this erroneous information from being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I firmly believe that this is a case of fraudulent activity, and I am taking steps to report it to the authorities. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must block any information in the file of a consumer that the consumer identifies as information resulting from the fraud, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

HARD INQUIRES POSTED ON XXXX AND EQUIFAX AS STATED AND DATED 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 XXXX XXXX
Product: Student loan

As cosigner of three student loans I am unable to be released after submitting the proper paper work.  There have been no late payments on the loans and no credit issues that would prevent release.  Sallie Mae is simply denying release.  They will not even consider one of the three loans.
Product: Payday loan, title loan, or personal loan

I was pre-approved on XX/XX/2018 from for multiple loans on XXXX XXXX and XXXX  powered by Avant was one, who provided the best rate of 9 % based on soft inquiry.. I decided to apply and complete application with them on Monday XX/XX/2018. Since pre-approval on XX/XX/2018 my credit score went up by 5 points because I have paid down another account on my credit ( MY CREDIT IMPROVED ) I processed application and was asked to complete task. Provide my bank log in information, and my last month bank statement. A disclosure came up that states a decision will be made within 24 hours. Next morning on XX/XX/2018 I called to question why was I required to provide my bank account login information as I was uncomfortable afterwards. I didn't feel comfortable giving my credential for a loan company to access my bank info anytime. They did explain that this was to verify my income. The person I was talking too, mentioned that they want another paystub " showing my monthly bonus '' added. At this point I was very upset because they can clearly see my year to date income WHICH INCLUDED my bonuses on my recent pay stub. I provided the info and waited till Wed XX/XX/2018 morning and still no decision. At this point I am extremely hesitant and called XXXX at XXXX and asked to withdraw application a requested to speak to a manager. I was told by a male that a manager would have to call me back about my concern. Never heard back from a manager, I then received email on XX/XX/2018 at XXXX XXXX  that states " Right to request specific reasons for credit denial '' Your Credit Score : XXXX Date Credit Score Created : XX/XX/2018  Score range from a low of XXXX to a high of XXXX Key Factors that adversely affected your credit score : Length of time revolving accounts have been established Proportion of loan balances to loan amounts is too high Proportion of balances to credit limits is too high on bank revolving or other revolving accounts Time since most recent account opening is too short Inquiries impacted the credit score I then called XXXX and asked for manager again. They introduced me to XXXX who confirmed at the beginning of the call that I was talking to manager. I shared the reason why I wanted to withdraw and my hesitation on sharing multiple income information. She confirmed that they reason they didn't give a decision is because they were closed at XXXX and opened next day at XXXX. THE DISCLOSURE DOES NOT STATE THAT! it states a decision will be made in 24 hours. She confirmed later that she was a supervisor and when asked to speak to someone in management she said there would be no one available to talk to me.
Product: Debt collection

Information was placed on my credit file on or about X/XX/2017, related to an unknown account. The information is incomplete and fails to conform with the laws related FCRA. 
No notice was given prior to listing, a clear violation of the FDCPA. I have disputed this with the credit bureau and await the resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states consumer r furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card a open-end consumer credit plan as late for any purpose.
Product: Student loan

As part of my loan repayment plan, I entered into a contract with XXXX. XXXX was working on behalf of Ascendium Education to service the loan. The loan repayment plan was set to automatically debit from my checking account on a specific day each month. No payments were missed. During XXXX, the Covid-19 pandemic occurred. When the CARES Act was passed by the U.S. Government, XXXX sent out a brief notification that payments would be temporarily suspended. There was no request sent in by me for this suspension. In XXXX of XXXX, I received a notification from XXXX XXXX XXXX XXXX, a collection agency who claimed they were working to collect a debt for XXXX ( latest collection letter attached ). I called XXXX on XX/XX/XXXX and spoke with agent XXXX XXXX. He told me that XXXX had ceased their suspension of payments in XXXX when the original CARES act expired. After 60 days, the account was sent to XXXX for collection. He advised me to contact XXXX to get a full explanation. I called XXXX on XX/XX/XXXX and spoke with XXXX, operation # XXXX. XXXX was very combative and argumentative. At several points in the conversation, she actually denied working for XXXX, instead claiming to work directly for Ascendium. Her fallback phrase, " your account is no longer in good standing '' was uttered in response to most of my questions. I asked why XXXX had not resumed their contractually obligated payments when their observance of the original CARES act ended. She refused to answer. When I asked why the account was sent to collections, she uttered her fallback phrase. When I asked why XXXX did not reach out to resume payments they had voluntarily suspended, she refused to answer. Eventually, I gave up on the conversation. As of now, XXXX wants me to enter into another contract with them, using XXXX as a servicer for a Consolidation. I feel this would be a very bad decision but feel pressured to try and get my account back into good standing. What are my options? XXXX has already added {$5000.00} in fees and interest in 2 months and Mr. XXXX says the interest is accruing daily. This debt is growing out of control and right now I see no hope.
Product: Debt collection

Merchants & Professionals has placed XXXX collections on my credit reports as of XXXX/XXXX/2015 that does not belong to me. I called them today XXXX XXXX, 2015 and informed me that I have no debt with them. This debt is XXXX XXXX, he received these services. I 'm not liable for his medical debt. This is between XXXX XXXX, his insurance, and XXXX XXXX. I did n't sign any paperwork, documents and I did n't receive ANY medical services.
Product: Debt collection

TRANSWORLD SYSTEM , INC COLLECTION AGENCY has violated my rights as a consumer. 


Under the FCRA, all unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account number listed above from all of my credit reports. 

Be advised this not a refusal to pay, but a notice sent pursuant to the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g, stating your claim is disputed and validation is requested.

This a request for VALIDATON made pursuant to the above-named. I respectfully request 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 reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX XXXX this action may constitute fraud under both Federal and State laws. Due, to this fact =, if any negative marks is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must CEASE and DESIST under ( 15 USC 1692c ), Communication. Also, during the validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 


XXXX. EXHIBIT A. FDCPA ( 15 USC 1692b ). Infringement upon my consumers right to privacy. You had a right to purchased alleged debt, but you had no right to my information.

2. EXHIBIT B. {$1000.00}. FDCPA ( 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 3. EXHIBIT C. FDCPA ( 15 USC 1692b ( 2 ). not state that such consumer owes any debt ; 4. EXHIBIT D. FDCPA ( 15 USC 1692d ( 1 ). An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

5. EXHIBIT D. FDCPA ( 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and
Product: Debt collection

On XX/XX/XXXX when I contacted the debt agency EOS CCA in regards to a remark on my credit report they could not provide me with any information regarding the account they were trying to collect for. I had no information on what services were rendered or anything. I asked for this information in writing and have yet to receive any information. I am in the middle of purchasing a home and this is when this account was brought to my attention. I immediately contacted the creditor to resolve. On the recorded call with the agency it was told to me that if I payed and settlement with a certain amount that the account would be completely removed from my credit report due to them not sending me any information before reporting on my credit!. Today XX/XX/XXXX I attempted to contact the agency in regards to the closed status showing on by report instead of the removal and they told me pretty much too bad. This is false representation on their part and should be illegal! They can not give a costumer false information and Collect money from them under false pretenses.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

During COVID my husband and I went on a forbearance program for our mortgage with US Bank for 5 months ( XX/XX/XXXX through XX/XX/XXXX ) We were receiving paperwork in the mail stating by signing we accepted the forbearance period amount ( {$8900.00} ) would go to the end of our mortgage loan. We had issues submitting this paperwork first due to US Bank failing to change my last name which I had requested multiple times before. Because my name was incorrect the notary would not sign and send for us. We eventually were able to sign these documents providing proof of my marriage license to the notary and submitted them to US Bank. We then a couple of weeks later received a letter in the mail stating we were behind on payments and that US Bank would put us through a foreclosure. This is when my husband had called and a US Bank representative told us they had seen our signed papers and we had nothing to worry about. We were assured we would not lose our home due to this issue. During this phone call and a few others the representatives each time stated they had taken notes. These notes and phone calls state we were up to date on payments. Although when we would receive our mortgage statements it had always shown we were past due. This is why we had multiple phone calls with US Bank. US Bank states all calls may be recorded at the beginning of each call, so if necessary these phone calls should be able to be pulled. 

We are currently trying to refinance our home and had a conference call with the credit company to verify we were up to date on payments and all of a sudden US Bank had changed their story. Now this week we are receiving tons of mail stating they will be putting our home up for foreclosure if we do not become current on the " late payments ''. Also stating they reserve right to accept or deny our partial payments of the total amount due without waiving any of their rights including the right to proceed in foreclosure. I have also just now received a letter dated XXXX XXXX that US Bank has recently received my request to change my last name and asking for documents I have already sent them through email multiple times in the past year. 

We find it suspicious that all of a sudden when we are trying to refinance our home, now we are " late '' on payments and are receiving numerous letters Dating from XX/XX/XXXX through the XXXX of XXXX saying we could potentially lose our home through foreclosure. We have been making consistent payments since XXXX of XXXX when our forbearance was over. These payments have been processed and accepted by US Bank. All of which we have proof of. During our latest phone call with US Bank on Thursday XX/XX/XXXX with US Bank representative XXXX they had tried pushing us through a refinance program with US Bank. They had given us about three options and highly recommended we had made a decision over the phone immediately and would not send us these options via email. We had requested to have these refinance options sent to us through email so we could review closer if this was our only option, but were denied that request.
Product: Mortgage

I refinanced my home with a new lender on XX/XX/XXXX. There was a large balance left in my escrow account and a refund was due to me. I have called several times to inquire about my where my refund check is and they have told me conflicting information. One agent said it was mailed to my address on the XXXX. The next agent said the XXXX and a third agent said the XXXX. I asked for proof of mailing and tracking information and they declined. I have yet to receive the check in the mail. I have received many different pieces of mailed dated way after the date they supposedly sent the refund. They will not re issue a check as they said it was already mailed to me. I am at 46 days since I refinanced and have not received it in the mail. I would like them to send me what is rightfully mine and provide tracking and proof of mailing.
Product: Debt collection

The fake company representative has been calling me daily at XXXX. I responded and they had my address already from an attempt that they made before. The posed as southwest credit company and send me an email probable for phishing. However, the phone number that they called me from is not the company 's phone online. The number was XXXX. They mentioned that it was for collecting a toll in XXXX but I verified and I do not have any toll debts.
Product: Credit reporting or other personal consumer reports

I submitted disputes multiple times last year and they failed to remove the items from my credit report even when I listed the consumer violation codes. No proper investigation was conducted as well.
Product: Credit reporting or other personal consumer reports

I wrote all 3 credit companies & XXXX & Experian information services LLCS trying to clear my name and my credit information beacause is using my information without my permission after viewing my credit report I found out I have credit cards in my name. Can i have this person be behind bars for using my information without my permission?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX # XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had violated my rights. 

15 U.S.C 1681 Section 602 A. Section 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 instruction
Product: Vehicle loan or lease

I got a call out of the blue saying that we were late on a payment. Called my wife and found out we were. So we paid two payments that month. Then a couple months late the same thing happened but we hadnt missed any payments. But in trying to keep late payments off my credit we paid two payments that month. Now this is the 3rd time this has happened and shows we are two payments behind still. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is holding my report XXXX and will not let it be pulled. I have called 5-6 times and Everytime they tell me it's fixed and it's not. Today the gal told me that it's wasn't them it's my mortgage company and not Equifax. I avides that I tried pulling myself in Equifax and they blocked it. She said no it's not their fault and she wouldn't escalate anything. I've been trying for over 2 weeks to get the report to release and Equifax will not release it. I've very upset as I get charged Everytime my mort company attempts to pull. This is causing a big issue for me because I'm trying to get approved for a loan.
Product: Credit reporting or other personal consumer reports

Experian lied to me. They said if i provide a fraud affidavit, and a police report that they would block the fraudulent accounts. its been weeks and they havent blocked anything
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called Experian company because I could not view my credit report. I found out that I have not received a report since XXXX. The customer service rep. stated that they do not have a report on me and instructed me to call my lenders. I did just that with my credit cards and was told that they report every month to all three bureaus.
Product: Credit card or prepaid card

I ordered patio furniture from XXXX that never arrived, I initiated a dispute explaining to my Credit Card issuer what happened but they found the charge was valid. After working with XXXX they agreed to refund the purchase but could not do so because of the dispute. After a few weeks of back and forth with Chime they refuse to do any research or resolve the charge, even after I sent them many documents that support me getting my money back.
Product: Vehicle loan or lease

Only assign my case to the person in HIGHEST AUTHORITY!!! 

OR THE CEO IF you have too!! 
Do not assign my cases to XXXX as she is non compliant and rude and mean and doesnt listen nor has she read my complaints nor investigated them. I do not like her.
Product: Credit reporting

XXXX XXXX County which is the enforcing entity for XXXX where a child support order originates is also reporting on my credit for the same child support account. This is giving me XXXX negative account reporting on my credit report for the same account. I have contacted both the credit report agencies, and child support. XXXX continues to report duplicating XXXX reporting. And oh, there both reporting incorrect information despite my attempts to correct the accounts with the accounts. Please help!