23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from XXXX XXXX XXXXXXXX XXXX XXXX and contacted them. 
They have asked for my Bank Account Number and I will not give it to them. I told them I would get a Money Order to send them a payment, and they got abusive. I have hung up on them. I am only trying to contact them and this letter says they have a judgement. I have cancelled every credit card and opted out of new credit card offers. They overtalk you and will not listen. They call more than once a week. I have not sent them a letter yet to stop calling me. I do need advice on how to handle this situation. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$320.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 

Account name : XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX : # XXXX, account name XXXX XXXX XXXXXXXXXXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the case of all three credit reporting agencies ( XXXX, TransUnion, and XXXX ), the score that is reflected is not consistent with my credit profile, and they can not give me a creditable explanation of why. I have only one late payment within the last four years, and that was while I was in XXXX. I have no collections, no defaults, and no derogatory history. Yet in each instance, my credit score comes back as only Fair. I am requesting that your office look into this and provide me a reasonable explanation of why this is the case. 

Thank you.
Product: Debt collection

I found out that Midland Funding LLC add a collection account in my XXXX credit report. This account does n't appear in the other XXXX Credit The actual amount that appears as a collection is {$8000.00} dollars. In the report appears that the account was open in XX/XX/XXXX and on XX/XX/XXXX for {$5500.00} dollars. It shows " XXXX '' past due, Status : Collection. Also, appears on my credit report : Factoring Company, Original Creditor : XXXX. I called Midland funding and they told me that this account has a judgment against me issued in XX/XX/XXXX. They did n't want to provide me with the original account number or creditor, they told me to go to the court if I need any information. XXXX the person at Midland told me this account was originally delinquent in XX/XX/XXXX and then when I asked her who was the original creditor she said I can not give you any more information because you already have a judgment in this account. I never opened any account with XXXX. If the account was delinquent in XX/XX/XXXX how can i have a judgment against me in XX/XX/XXXX!!! I do n't know what to do. I was never served or had any information about this to dispute it and defend myself. I never got the judgment either. I do n't understand how a judge could judge a debt against me without documents that proved the debt or the identity of the person. 
I am complaining about not receiving a notice of right to dispute the false debt and for no receiving information about the account number, amount of the debt, or name of the original creditor.
Product: Credit reporting or other personal consumer reports

A 30, 60, 90, and 120 days late need to be removed from my credit report.
Product: Checking or savings account

XXXX. The bank never sent a PIN to allow me to activate my debit card. After incorrect information from the bank 's XXXX service center and continued failure to send a PIN so we could use the debit card, I 've call a third time and been assured that " it 's in the mail. '' XXXX. We received a paper statement today and a fee for {$3.00}, despite verified account options indicating that we had elected paperless statements. While the agent has processed a refund, she indicated that it was my fault for not opting into paperless statements -- despite my having proof from my phone app that paperless statements were enabled. She also stated that the default option for all customers is paper statements with a fee, unless a customer opts in to a paperless statement. I think this default should be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request to update he following items that are harming my credit. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of certain accounts on my credit report. These accounts were placed in a hardship forbearance agreement with the companies below, and it was explicitly stated by the institution that no negative information would be reported during the agreed period due to my financial hardship. However, my recent credit report reflects negative remarks associated with these accounts, which is both inaccurate and unjust. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure that all information reported is accurate and verifiable. I am providing you this notice to review and investigate these accounts, as it is being reported contrary to the terms agreed upon with the creditor. Specifically, they assured me in writing that during the forbearance period, no delinquent payments, late remarks, or derogatory statuses would be reported. 

It is crucial to note that continued inaccurate reporting constitutes a violation of the FCRA, and failure to address this issue will leave me no choice but to seek all legal remedies available under Sections 616 and 617 of the Act. Additionally, as required by Section 611 ( a ) ( 5 ) ( A ), all unverifiable or inaccurate information must be promptly corrected or removed from my credit report. 

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

To whom may this concern, I recent reviewed my credit report on XXXX and I seen that your company has reported some inaccuracies on my credit profile. Due to the inaccuracies it is affecting my lively hood. I am being charge more than I normally would be. I am receiving hire interest rates and also getting denied for a credit card that I would be approval. 

It my understanding that theres no law that states anything should be reported to the credit reporting agencies. And so your organization is liable. 
Per 15 U.S.C 1681 ( 4 ) : 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.

I never gave permission for your organization to furnish this report on my behalf and Im also aware your organization assumed a vital role. Since you furnished such report without my consent it is obvious that your organization is violating 15 U.S.C 1681 as your reports are unfair, partial and no does not respect my privacy.

And Per 15USC 1681 ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

As a result, here are my demands : - -Delete XXXX XXXX XXXX XXXX for XXXX
Product: Debt collection

Cell phone I don't know when this account was open this Account was open .they said I did not open this Account, this is fraud! I told them years ago, XXXX, XXXX and XXXX when I notice items on my credit report, everything came in the from a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be REMOVED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion Credit Bureau to validate this account ( A ). I hope this disputed account is deleted. 


XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Product: Debt collection

I am receiving automated robot phone calls from this company designed to harass to a voice mail that is not secure " anyone can hear my personal business. I called the company and instructed them to CEASE AND DESIST all phone calls, yet the harassment continues. At the beginning of the call a notice is given from Synchrony Bank that all calls are recorded so this constitutes a record of this specific notification from me to them. I have maintained a call log of each call after this notice which constitutes violations of the demand to cease and desist. I would be glad to provide it.   Calls are several times a day and are ALWAYS robotic.     As per FCRA I demand Synchrony Bank CEASE AND DESIST all telephone harassment of ANY KIND. This complaint to  the CFBP will serve as off icial intent to sue for mental anguish for each call following this notice.  <P/> Once  XXXX  treatment is completed " AS I STATED '' the debt will be settled. Synchrony Bank is a  XXXX  dollar company who can afford to wait for my recovery. Attempts to harass will be met with legal response.
Product: Payday loan, title loan, or personal loan

Approved for loan on XX/XX/23, and have correspondence that should be in my account XX/XX/23. As of writing this on XX/XX/23 I do not have the funds. 

After XXXX hours, Cash Central put a message on their customer service number that says you should expect to have your funds by the end of the business day. That has been up for XXXX days now. 

Upon reaching customer service individuals, there is no current way to cancel because the loan is " in progress '', even though clearly XXXX files have not been sent to the RDFIs. At this point on XX/XX/23, their reps are now leaving you in the queue for an hour and immediately hanging up when you reach the front of the queue. 

I have asked in writing and via phone multiple times for written correspondence of the issue to provide to my financial institution to attempt to mitigate fees, to no avail. I have no recourse to solve this issue at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America # XXXX is reporting a late in 2017 that I should not have. This was due to a technical error on their half and they said it would be removed. There should not be a late on this account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my dissatisfaction and formally dispute Experian 's failure to conduct a proper investigation regarding an error on my credit report. Despite submitting a dispute through your designated process, the error persists, and no evidence of a thorough review has been provided to me. 

The specific details of my dispute are as follows : Creditor/Account Name : First Premier Bank, Account XXXX Error : Improper account information reported. 

Original Dispute Submission XXXX It appears that Experian has violated the Fair Credit Reporting Act ( FCRA ) by failing to fulfill its obligation to conduct a fair, timely, and accurate investigation of disputed information. Furthermore, I am aware of recent legal actions by the Consumer Financial Protection Bureau ( CFPB ), which highlight systemic issues in Experians dispute resolution processes. 

I am requesting the following actions : A thorough reinvestigation of the above-mentioned dispute. 
A written explanation of the methods and procedures used during the reinvestigation, as required by law. 
The immediate correction or removal of inaccurate information, if your investigation confirms the error. 
I have attached the following documents to support my dispute : A copy of my credit report with the error highlighted. 

Please note that I expect a response within the XXXX timeframe stipulated by the FCRA. Failure to adequately address my concerns may result in further escalation, including filing a formal complaint with the CFPB or seeking legal action. 

I look forward to your prompt resolution of this matter. Should you require further information, please contact me at XXXX XXXX. 

Thank you for your attention to this serious issue.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, purchased a subject property located at XXXX XXXX XXXX, XXXX XXXX FL XXXX and Certificate of Title was issued on XXXX XXXX by the XXXX XXXX XXXX XXXX XXXX ( attached ). Since taking ownership XXXX XXXX has made every effort and attempt to resolve issues on titleXXXX XXXX XXXX  attorneys pulled an official title report in which the chain of title shows the following : Assignment of Mortgage - XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, from XXXX XXXX XXXXXXXX XXXX Assignor, to Bank of America XXXX N.A., Assignee, recorded XX/XX/XXXX ). 
Assignment of Mortgage - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, from Bank of America, N.A , Assignor, to The Secretary of Housing and Urban Development XXXX Assignee , recorded XX/XX/XXXX ). 
Assignment of Mortgage - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, from XXXXXXXX XXXX XXXXXXXX , Assignor, to Bank of America , N.A, recorded XX/XX/XXXX ). 
Assignment of Mortgage XXXX XXXX XXXXXXXX ( XX/XX/XXXX, from The Secretary of Housing and Urban Development, Assignor, to Bank of America, N.A., Assignee, recorded XX/XX/XXXX ) - attached. 
Mortgage Release, Satisfaction - XXXX XXXXXXXX ( Mortgage Release, Satisfaction, and Discharge, dated XX/XX/XXXX, filed by Bank of America, N.A., Mortgagee, recorded on XX/XX/XXXX ) - attached. 
Rescission of Satisfaction - XX/XX/XXXX, by Bank of America, N.A., to American Reverse Mortgage ( shut down, out of business ). 
There is a huge discrepancy in which Bank of America, N.A., has not properly, ethically and with transparency communicated to XXXXXXXX XXXX on the rescission of satisfaction. Given the facts that Bank of America has been clear that the reverse mortgage located at XXXX XXXX XXXX has been satisfied. In addition, there is email communication and recorded phone calls between Bank of America employee ( s ) and XXXXXXXX XXXX that the reverse mortgage was indeed satisfied and paid off. 

We need Bank of America to be investigated for unethical practices and violating compliances with Federal law. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing several of my credit monitoring services I was informed on XX/XX/XXXX that Skopos Financial has reported my auto loan as a " bad debt/uncollectable debt '' and proceeded to list the account as a " charge off '' on my credit report. With this my score has dropped significantly preventing me from being eligible for a home loan. The account with Skopos account # XXXX was paid in full by my auto insurance company XXXX also known as XXXX XXXX with claim number XXXX. I reached out to XXXX at Skopos on her direct line of XXXX a total of 11 times between XX/XX/XXXX and XX/XX/XXXX to confirm that the account was paid in full in which she did confirm that is was received by XXXX and showing no balance as of XX/XX/XXXX. Within those 11 calls she informed me several times that if the account was paid in full there would be no charge off. On today, XX/XX/XXXX I called Skopos a total of 5 times to try and resolve the issue. 3 out of the 5 calls I was cold transferred. 1 out of the 5 I was given a XXXX number that was not reachable and on the 5th call I was escalated to a manager who could not assist. All five years I have had this company my credit report shows all on time payments. Please resolve this matter immediately.
Product: Mortgage

We refinanced our loan and Mr Cooper Nationstar bought the loan shortly after. Our paperwork clearly states our first payment was due XX/XX/XXXX. When we were able to finally view our loan on their website ( around XX/XX/XXXX ), it had a loan origination date of XX/XX/XXXX. 
I called on XX/XX/XXXX at XXXX and first spoke with XXXX who transfered me to XXXX XXXX XXXX stated that the paperwork did reflect a XX/XX/XXXX start date, did not find our pmt mailed on XX/XX/XXXX, but said they got it passed on to the approprate group and to give it 3-5 business days. 
On XX/XX/XXXX XXXX XXXX  I called and spoke with XXXX. I told her about my previous conversation with XXXX and noticed that the pmt we sent on XX/XX/XXXX was posted as of XX/XX/XXXX, but the system still had the loan 1st due date of XX/XX/XXXX vs XX/XX/XXXX and that had not been fixed yet and our due date should be XX/XX/XXXX per that pmt received. She talked with the appropriate people and said we should be good in 3-5 business days. 
On XX/XX/XXXX the website still had the incorrect due date still stating XX/XX/XXXX with the 1st pmt due XX/XX/XXXX. I called and spoke with XXXX at XXXX XX/XX/XXXX. I referred her to her notes I was sure they had and reiterated the above. I also pointed out that we are now getting calls for this pmt due to their error and that the 60 day window XXXX talked about where things are not reported to credit is closing fast. I told her I needed this fixed today as more than enough time has passed to do so and said I would initiate a complaint if not. She put me on a long hold, came back and said she could get a hold of no one in that department, or any manager. I made sure she had my contact info and told her the complaint was going to be processed. I do not know if I will get a callback today or not from the department that allegedly is suppose to fix this.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate and according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This XXXX XXXX XXXX Account Number XXXX And one more thing according to 15 USC 1681s-2 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. 

Check the attachments below
Product: Credit reporting or other personal consumer reports

XXXX and Transunion, XXXX, and XXXX XXXX XXXX have been incorrectly reporting a XXXX Account for a vehicle in XXXX  for years. The open date, the closed date, and the payment history are all inaccurate. 

Under the FCRA XXXX XXXX XXXX and FTC report that I submitted over XXXX, the information is still being reported inaccurately. Due to its year of maturity, I also asked for a removal of my credit report as it has been reported inaccurately, and my credit is affected. 

This account has already been written off by the account merchant and they never gave me the tax form XXXX - the cancellation of debt, and non-compliance with XXXX. 

I've contacted the XXXX  in regard to this account.