23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a text message from Harris & Harris stating that I need to log in and pay a debt for a previous tenant of an apartment I lived in briefly. This tenant did not live at the apartment when I did. The name if " XXXX XXXX XXXX '' and they owe the Harris & Harris {$100.00} who is acting for the San Deigo Association of Government as a debt collector. 

At no time was I offered an ability to contact anybody or try to get this issue rectified. I called the telephone line provided and was on hold while XXXX with XXXX for several minutes and after being on hold for several minutes I was left with the option to leave a voice message that software would dictate. Since my body is in XXXX XXXX  right now and I am not able to speak, this is not an acceptable solution to reach out to the company to resolve the issue, as a brief phone call with a human would suffice. 

I am most disturbed by the fact that clicking the link provided logged me into XXXX 's account with options to pay her debt which to me seems like a privacy breech. I have never met XXXX but I remember this tenant 's mail would sometimes arrive at the residence that lived at while working as a XXXX XXXXXXXX during XXXX in XXXX XXXX XXXX CA. 

I would think at the very least the company should not allow any random person to log in and learn about someone else 's debt without a verification process. 

My other fear is that perhaps this is identity-theft related and someone gave them my number falsely because it was associated with the address at some point. 

If the company had an easy way to rectify the issue by phone I wouldn't have resorted to a formal complaint.
Product: Debt collection

Personal Credit information compromised by data breach at XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report incorrectly listed one of my prior loans ( One Main Financial ) as 30 days past due in XXXX of XXXX, whereas my XXXX  and XXXX credit reports correctly reported that the account was not 30 days past due in that month. In fact, a One Main Financial representative assured me in XXXX that no negative information would be on my credit report because the delay in payment was caused by a technical glitch. I requested in XX/XX/XXXX that One Main Financial correct the information on my XXXX report. Rather than fix the problem, One Main Financial took retributive action against me for disputing the XXXX credit report and changed my XXXX Credit Reportmore than 5 years after the factto incorrectly state that I was late on my payment in XX/XX/XXXX. A consumer should not be penalized for disputing inaccurate information on their credit report, but that is exactly what OneMain Financial has done.
Product: Student loan

I have a forbearance on my Navient account until XX/XX/XXXX. On XX/XX/XXXX, I applied for a IDR plan due to changing teaching positions. Navient did not approve this plan until XX/XX/XXXX. I continually called and uploaded documents to their website due to the documents disappearing after 7 days .for the entire month of XXXX Then they sent me a ebill also on XX/XX/XXXX to pay the first payment on XX/XX/XXXX. I called them on XX/XX/XXXX to discuss finishing the previous forbearance or using one month of the forbearance to start making payments on XX/XX/XXXX. I was informed by two representatives, " XXXX '' and " XXXX '' that I had used all of the forbearance and could not change the original due date. They both told me that I could not use the remaining 2 months of the previously approved forbearance, that I could set up my budget to repay this bill. At the same time that I submitted IDR paperwork to Navient, I submitted it to XXXX and was approved on XX/XX/XXXX and my first payment was set up for XX/XX/XXXX, which I already set up for automatic payments. I simply want to start my Navient payment on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/21 contacted the furnisher and TransUnion via telephone, email and certifiedd letter. Multiple attempts have been made regarding the correction, verification of information for XXXX XXXX, First issue, payment history disputed, trans union kept telling me that the information is correct and that XXXX, the furnisher verified as accurate. In an effort to get the correct information regarding the charge off amount, payment history 1st delinquent date and charge off dates, I contacted the furnisher directly via telephone, via cert mail and via CFPB complained already closed but attachments included will show the company response. I went ahed and responded to the furnisher directly because you closed out the previous complained as resolved. TransUnion deleted the information disputed instead of conducting a full re-investigation, attachment below of the results. Yesterday, I called TransUnion directly and asked them why do you keep reporting X in the payment history and the rep replied because the furnisher does not and we have to report X because the furnisher has no knowledge. I am filing this complaint seeking the enforcement of complete, accurate and verifiable information reported in my consumer report. The lack of cooperation from the furnisher only shows violation of policy, adjusting the delinquency and re-aging the status of the account. Furthermore, the balance due at the time of the first delinquency was around {$110.00} but we have a charge off amount of {$640.00} Furnisher is reporting false payment history and attempting to re-age account with the intent to continue to add unnow fees beyond the time allowed by law, the fees are in excess for example if a payment due is {$8.00} and consumer fails to make the payment, the late fee is 2-3x higher per violation vs the min payment due. Tranunion does not want to loose the business or the account and is not enforcing the furnisher agreement instead they are just omitting, deleting and not abiding by the laws of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern on XX/XX/2021 I provided XXXX TRANSUNION, XXXX with a letter that was sent certified asking them to correct my personal information to match my name and address listed on my goverment issued identification. There are still incorrect personal information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in contact with DISCOVER on multiple occasions in regards to this matter. 

They have violated my rights under the FCRA, FDCPA, The Privacy Act Of 1974. Discover has disclosed my private information including my phone number, address, name and social security number to credit reporting agencies and other third party vendors.

The Privacy Act Of 1974 The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions.

DISCOVER violated this act they had no permission by me the consumer to disclose any of my private information.

They also violated my rights under the following statutes.

15 USC 1692b Acquisition Of Location Information. - Shall not state a consumer owes any debt.

In which reported on my consumer report that I owe the a debt. In which the debt has already been paid in full.

15 USC 1681b Permissible Purpose Of Consumer Reports ( 2 ) In accordance with the written instructions of the consumer to who it relates.

I never gave DISCOVER any written consent to disclose any information on my consumer report.

15 USC 6802 Obligation With Respect To Disclosures Of Personal Information A financial institution my not directly or through any affiliate disclose to a nonaffiliated third party no public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

DISCOVER did not provide me with any notice about disclosure of my personal information to any non affiliated third party. That includes credit reporting agencies or any other data recording agencies.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.
Product: Credit reporting or other personal consumer reports

I have disputed the XXXX XXXX  account numerous times! As of XX/XX/year> its still on my credit report. XXXX wont share any information with me because I DONT KNOW WHAT ADDRESS OR PHONE NUMBER THE PERSON USED WHEN THEY STOLE MY IDENTITY. I can only verify my social security number when I call them. THE XXXX XXXX  ACCOUNT ON MY CREDIT FILE IS NOT MINE! I am requesting all documentation that XXXX XXXX  provided to Equifax when they reported this fraud account to them. Equifax refuses to supply me with anything. If its supposedly information about me, I should be able to have that. The account needs to be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report. I called equifax numerous times and they still have not removed the inquiries. I demand the inquiries be removed immediately as they are in violation of the FCRA.
Product: Mortgage

This letter is a complaint against Nation Star ( Mr. Copper ) they took upon them self to pay off our taxes with out our consent or any notification what so ever. We were not behind on our taxes and we were paying them as they were due so I was skocked when I went to pay my taxes on XXXX XXXX and the clerk said they were paid in full. 

Nation Star created an escrow account and now they want that money upfront for the taxes that they paid, for what ever reason they they paid them in the first place. Now when we pay our monthly mortgage it seems that our payment is not being recorded because they want this escrow account paid in full. We continue to pay our mortgage monthly. Our monthly payments have not been applied to our loan and we do not know what to do, please help us in anyway possible.
Product: Mortgage

Hello CFPB, I would like to bring to your attention an injustice matter that I have encountered concerning my home of 33 years with different mortgage companies. I 'd worked for XXXX in XXXX, XXXX for approximately 15 years. Due to an on the job injury, I began having problems with my legs and was placed on light duty for a number of years before I was forced to quit, in XXXX XXXX, due to unable to completely perform the job task, per new management. During the next couple of months I received unemployment, but really struggled to pay my bills and got extremely behind. Fortunately, I was approved for XXXX and Social Security and began to receive fixed monthly payments in the total of {$1000.00}. This has been my only source of income since XXXX XXXX. 
I was paying mortgage on my home with mortgage company, XXXX XXXX XXXX XXXX, loan # XXXX and my payments were {$250.00} per month. Then, a new mortgage company by the name of FCI Lenders Services Inc. took over my payments. They claimed that they could n't find any of my payments to the previous company and that I had n't made payments from XXXX to XXXX. I explained to them that were absurd and there 's no way I would still be in my home if that accusation was true. Finally, after several complaints from me and extensive research, they found my payments, but refused to give me credit for them and wanted me to now pay {$650.00} per month. I sent in a letter of request for them to lower my payments, but they denied the request. FCI Lenders Services Inc. gave me a forbearance agreement to pay {$650.00} per month from XXXX XXXX to XXXX XXXX. I was unable to keep the agreement due to being XXXX for XXXX, XXXX XXXX XXXX, and XXXX problems for about a week. I had to pay for my medication and see different specialist 3 times a week upon being discharged from the hospital. Since then, my loan has been turned over to a new company by the name XXXX XXXX XXXX, my file loan number is XXXX. On XXXX XXXX, XXXX, they are planning to foreclose on my home of 33 years. They told me in order to keep it I will have to pay {$120000.00} due to back pay. The home is only worth {$13000.00} and the homes in the area are valued from {$30000.00} to {$40000.00}. Please investigate this matter so I wo n't lose my home. Any help of this matter will be greatly appreciated. I 've listed the addresses and phone numbers of the mortgage companies listed above. Thanks! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fax
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and Equifax to investigate these accounts on XXXX separate dates : On XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - INQUIRY DATE - XX/XX/XXXX XXXX XXXX XXXX - INQUIRY DATE - XX/XX/XXXX XXXX XXXX XXXX XXXX - INQUIRY DATE - XX/XX/XXXX XXXX XXXX - INQUIRY DATE - XX/XX/XXXX However, they stated everything was complete and accurate after my first request dated on XX/XX/XXXX. But how is that possible if the open dates, dates of last activity and much more is incorrect. I haven't received any notice or letter of a update at all for my request dated on XX/XX/XXXX Enclosed with this compliant will be PDF 's of all letters sent for above accounts and dates. 


According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case, I am also sending a copy of the letters i sent to them.
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 Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681, also known as the Fair Credit Reporting Act ( FCRA ), governs the access to consumer credit report records and how Credit Reporting Agencies ( CRAs ) collect and sell personal information. The FCRA 's purpose is to ensure that CRAs collect and use information in a fair and equitable way that protects consumers ' privacy and promotes accuracy. The FCRA includes several findings and requirements, including : Congressional findings The FCRA states that the banking system relies on accurate and fair credit reporting, and that inaccurate or unfair reporting can harm the banking system and public confidence.

Subchapter requirements The FCRA requires CRAs to use information properly and ensure it's relevant. It also includes compliance procedures, such as requiring CRAs to follow reasonable procedures to ensure the accuracy of their reports, and to allow users of consumer reports to disclose the report 's contents to the consumer. 
I dispute and want this off my credit report.
Product: Checking or savings account

I opened this business account to buy a franchise. I was told my funds would be available XXXX and uninstructed the franchisor as such. Every day I hear a different answer from Chase bank and we are now three weeks beyond when they drafted funds from the source account XX/XX/XXXX. This is gravely affecting my professional reputation. 

XX/XX/XXXX Checks from XXXX XXXX deposited for {$120000.00} - rep said avail XXXX - next day funds show in account but on hold XXXX Funds show cleared ( hold icon gone ) XXXX XXXX Went into local Chase branch to send wire per rep account restricted ( but funds clear ) XXXX Called fraud line to clear up Rep said " maker '' of check didn't respond to calls. I contacted XXXX XXXX and instructed that Chase would call to verify. Rep called and confirmed and said it would be cleared in 2-4 hours and that he'd call back at XXXX - never called XXXX I called Chase no record of earlier call rep called XXXX XXXX again to verify validity of check - updated file and we got disconnected XXXX I called Chase back to confirm previous rep notated acct current rep told me everything is in place and it would take up to 2 business days to clear XX/XX/XXXX XXXX Second business day money not in. Called and spoke with a woman who suggested I physically visit a branch and open a new acct as this account appears closed and it would likely be faster to open another and get funds in though it will take 3-4 days for funds to clear XXXX Visited Chase in XXXX XXXX Business specialist [ XXXX XXXX ] spoke with someone who also suggested we open a new account and it would be corrected in 1-2 days. 
XX/XX/XXXX XXXX Emailed XXXX at Chase explaining funds were still not available XXXX XXXX called and said they reopened the old account ( now I have two business accts ) and it would be another 1-2 business days before the funds populate Three day holiday weekend pushes 4th business day to XX/XX/XXXX XX/XX/XXXX Emailed XXXX at Chase to take a look - his contacts now saying 3-5 business days, which pushes the timeline to XX/XX/XXXX, though the person he spoke with said there was a " high probability '' the funds would clear by XX/XX/XXXX. 
XX/XX/XXXX Still no funds but I received a check via USPS from Chase for XXXX cents, which is the amount I paid to link an external account. Spoke with XXXX again who said my timeline is now pushed to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several federal laws XXXX, Transunion, and XXXX  violate. Violation of Privacy and inaccurate and unfair reporting. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting this information.

According to law, 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 3 ) Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 

( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; Which main the transaction should not be report or include on my credit report.
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$28.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX Balance : {$9400.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$28.00} XXXX XXXX Balance XXXX {$100.00}