23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company, EOS CCA, has been calling my XXXX adult daughters and myself, all times of day and night, even before XXXX XXXX., harassing me about a bill that was 'charged off '' in XXXX. The amount was {$3600.00} at the time. It is for a financial aid overpayment in which the account should have been placed with my consolidated account with XXXX. EOS CCA is trying to collect {$6600.00} from me now. I made a couple payments on this account, but I was still in graduate school and was not working for a salary, which means I was interning. The State of California took my state refund that year toward this debt. When I began working, I contacted XXXX XXXX XXXX to begin making payments but was informed this account was charged off. I have been paying on my other student loans, through XXXX, for the past 2 1/2 years with no missed payments. I began getting calls from this collection agency about 2 months ago. They use threatening tactics, but they are calling my children and telling them my business about this matter. I want this stopped immediately and I want them to stop calling to threaten me about an account that has been closed and I no longer owe any money on. This is fraudulent collection practices, harassment, and elder abuse. I am not working because I am preparing for XXXX-XXXX XXXX and haven't worked since XX/XX/XXXX. I probably will return to work XX/XX/XXXX, but I fear they may try to attach my wages. I need to file my taxes but am afraid they will attempt to take my refunds for a debt that has been resolved. Although I receive XXXX, I am afraid they may try to attach this as well. I need your help with this matter immediately, thank you.
Product: Debt collection

I was called 3 times in a row ( with no break in between calls ) from the same number XXXX today, and my husband, brother in law, and sister were also called. Today was the first time I had been called by this company and they left a message for me, my husband, and my brother that I was being served legal papers. I called them back to find out what it was for and they said it was for Balance Credit. The collection company was called XXXX and had a call back number of XXXX. They immediately accused me of defrauding a company that I had previously repaid loans to and I explained that was not what happened. I had lost my job at the time and was unable to pay any of my debts. I have proof of my claims. I also advised the representative XXXX that I do not have any available funds to make a payment today. She only offered me to pay off the balance in full or with a settlement today ... I was offered no other repayment plans and was told that this will be taken to court since I can not immediately settle the debt. I believe this to be an unfair practice as I was not given any reasonable options to pay or time after being notified of the attempt to collect the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX I am writing to formally dispute the unauthorized access and furnishing of my credit information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, a consumer reporting agency may only furnish a consumer report under specific circumstances and with the consumer 's written consent or under other lawful conditions. I have recently reviewed my credit report and noticed that my credit information has been accessed or furnished without my written consent. As per 15 USC 1681b, consumer reports may only be obtained for purposes authorized by the FCRA, which include credit transactions, employment purposes, insurance underwriting, and other permissible purposes. Furthermore, under 15 USC 1681c, the report must be accurate and include information based on authorized requests only. To rectify this situation, I am requesting the following : 1. Immediate Investigation : An investigation into the circumstances of the unauthorized access and furnishing of my credit information. 2. Correction and Removal : Removal of any and all records of the unauthorized access or furnishing of my credit information from my credit report. 3. Written Confirmation : Written confirmation that my dispute has been investigated and that any unauthorized entries have been removed from my credit report. Please conduct this investigation promptly and notify me of the outcome within the timeframe required by law. I have enclosed copies of my credit report. If this matter is not resolved satisfactorily, I will consider taking further action to protect my rights under the FCRA.
Product: Debt collection

I am attempting to apply for another parent plus loan for my son in XXXX. My fear is now because of this situation he will fall behind a semester or two if we don't find any other type of assistance quickly. I realized my credit was being denied because of a delinquent account showing on my credit. I seen it showing XXXX XXXX. I reached out to them to get information. After second time calling I was told it was from Paypal. I tried disputing but was denied. I called Paypal to gather information and they don't have any information that is correct to any type of transactions I have ever done. paypal couldn't further give me complete details. I told them the transactions they are stating I did is incorrect. I tried disputing but never recieve any more information about any of it.
Product: Mortgage

I have XXXX home equity lines of credit with BMO Harris Bank. I am current with the primary ( XXXX ) line of credit. 

I am behind payments on the second line of credit since XX/XX/XXXX. I am currently working with Loss Mitigation at BMO Harris and the Illinois Housing Development Authority. I would like to file a complaint of XXXX XXXX with BMO Harris. 

I started my Loss Mitigation application on XX/XX/XXXX and my application with Illinois Homeownership Assistance Program on XX/XX/XXXX. 

I have received a Notice of Entry of Default and Judgement of Foreclosure on XX/XX/XXXX. Case Number XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, 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 USC 1681.

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 1681 s-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. 

XXXX XXXX XXXX- ACCOUNT NUMBER- XXXX
Product: Credit card or prepaid card

ON XX/XX/XXXX I had a chat with Capital One regarding late fees. They have been added to my account despite me making on time payments I placed myself on auto pay at the beginning of the year so that I wont miss payments. I set it to {$40.00} which was around the minimum payment for a balance of {$800.00} which is my credit limit where it has lingered for quite some time. Despite making my timely monthly payment, Capital One still chooses to tack on late fees of {$39.00}. It is crazy and outrageous and feels like unfair business practices. They have been doing this each month causing me to get further behind in my payments increasing the amount owed to them. Doing this not only prevents me from getting on top of my payments but allows Capital One to enrich themselves in the process. I am an XXXX XXXXXXXX at a XXXX XXXX  making below the federal poverty line. We are currently in a pandemic. They had placed me on a payment plan but I fell off some way some how where there were promises made to hold off on late payments. I asked ( please see the chat session ) if they could please waive the late fees that have been accruing on my account so that I can catch up and not pay these extraordinary fees which should be considered a crime. It is already bad enough that my interest rate is near 30 %. Capital One is not being reasonable nor fair in their dealings. I am putting this complaint through in hopes that this can be resolved.
Product: Credit reporting 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 AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

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. PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX account was opened with Capital One that I did not apply for. I got a call on XX/XX/2024 from Capital One 's XXXX department. The company shut down the account and opened an investigation. Said they will send me more info to protect my information. I opened an account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CH XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAP XXXX NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CLUB XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I noticed the inclusion of several accounts that are currently subject to ongoing litigation. Given that these legal matters are still unresolved, their presence on my report is unduly impacting my credit score
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I called the collector on XXXX XXXX, XXXX regarding a collection with XXXX XXXX. My court date was set for XXXX XXXX, XXXX. I spoke with XXXX XXXX and explained that I had been pursuing a loan to settle this matter and would like to do this out of court. XXXX said that he would call and cancel the court date and that I would not have to go to court. I specifically asked him if I would be in any trouble, like " contempt of court '' or anything legal like that. He said no, I would not be in contempt of court and no further action would be taken if I settled the matter. I telephone Messerli & Kramer on XXXX XXXX, XXXX and was informed that the judgement had been placed because I did n't show up for court, and now my credit has taken a huge negative hit. I asked to speak to a supervisor and explained the situation. The supervisor said he would listen to the transcript of the call, which he did and said that he understood where the " misunderstanding '' was made but that the judgement had already been filed and there was nothing he could do about it. 
Desired Resolution : Correction to a credit report Desired Outcome I am willing to settle this debt for the amount I owed XXXX Funding for purchases, less additional charges and fees.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed incorrect and inaccurate account information relating to identity theft.
Product: Credit reporting or other personal consumer reports

feel that my information was exposed on a data bridge Inquiries ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been currently disputing accounts on all three of my credit reports since. Experian ... XXXX and XXXX since XXXX of 2019. I have been unsuccessful with them deleting medical accounts in collections that are in violation of HIPPA. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I signed to have these medical services done. Due to these collections being on all three credit bureau reports it is interfering with my quality of life. I tried to get a XXXX XXXX loan so I can have an XXXX  done for a tooth I was denied. I was just recently denied for a personal loan to take care of some medical expenses for my mother and I was denied. After this I am going to submit a complaint to HHS.gov for a violation of HIPPA. Then my next step is litigation. I have consulted a credit lawyer who has advised me to submit a complaint via CFPB first then HHS.gov, if the issue isn't resolved for them to delete those collection accounts of my credit reports after this we will move forward with litigation with all three credit bureaus XXXX, Experian, and XXXX.
Product: Payday loan, title loan, or personal loan

I borrowed {$1200.00} from them on XX/XX/2019. The way I understood it, they would take 3 payments of {$410.00} and then I could call in and pay it off, so that I wouldn't have to pay anymore interest. I called them XX/XX/2019 and asked if they could pay the remainder of the loan at the end of the month, here I find out the remaining balance is right around {$1900.00}!!! I was flabbergasted! I was thinking I probably owed them $ XXXX- {$400.00}, holy XXXX! Was I wrong! I also understood that they were going to take the payment at the end of each month, but they took it twice a month. Which I can't afford, so I've had to pay NSF fees too on top of all of this!! I will never, ever do such a stupid thing in my life again, ever! Wish there was some way to get around paying all this interest! It is crazy and highway robbery!!
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 that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Student loan

I will skip over all of the nefarious practices that Navient has been engaged in since ( at least ) the life of my Joint Spousal Consolidation Loan plan. My main goal now is to have a copy of my Master Promissory Note. I received a letter on XX/XX/XXXX stating the XXXX would be sent out within 10 days. I have yet to receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and found information that did not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. Due to Equifax being a Consumer Reporting Agency and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

15 USC 1681c-2 states that a Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, no later than 4 business days after the receipt of the following : 1. Appropriate proof of identity of the consumer ; 2. A copy of an Identity theft report ; 3. The identification of such information by the consumer ; and 4. A Statement by the consumer that the information is not information relating to any transaction by the consumer.

Equifax received everything required under the FCRA needed to place a block on the information that resulted from identity theft as proof through CFPB Complaint number XXXX submitted on XX/XX/2021. It is now XX/XX/2021 and Equifax has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. If Equifax allows its business partnerships with these organizations to continue to violate my FEDERALLY PROTECTED consumer rights, they will be liable to me for the stress, anxiety, sleeplessness, and any other actual damages caused as a result of the failure.
Product: Debt collection

Dear XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2018. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written this company trying to fix these issues several times XX/XX/2022, XX/XX/2022, XX/XX/2022, and again on XX/XX/2022 to wish my last letter has gone unanswered.There are several items that need to be removed from my report along with the reason clearly stated next to each individual item. They also did not remove all non account holding inquiries, and they did not remove all accounts that are not metro 2 compliant. This company even sends me correspondence with my name misspelled to which I have complained and nothing has been done about this issue either. My credit reports mailed from them state my name as XXXX XXXX XXXX and my name is XXXX XXXX XXXX. I last pulled my credit report on XX/XX/2022 via annual credit report since I had not heard from them and immediately sent them another letter detailing the issues.