23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I lived in XXXX XXXX XXXX, XXXX MA from XX/XX/XXXX until XX/XX/XXXX ( 4 years ) while working at XXXX XXXX XXXX in XXXX, MA. I never failed with my monthly rent payments. However, when I moved out from the place, the manager sent me an email with a bill attached to it. It seems that I owed some money which supposedly included the following charges : few extra days ( as I moved out ), a final water/sewer charge, a door jam charge, and a carpet stain charge. I honestly took well care of my apartment and passed final inspection at the time I left ( I was single, not kids, no pets ). I felt they were unfair with these charges and tried to negotiate as I was OK with paying extra days and water/sewer. I ended up in collections and I paid strictly what was owed ( only extra days and water/sewer ). Today is year XXXX and I have this unfair collection mark on my credit report. This has been the most expensive rug I have had to pay up to this day. The situation seems unfair, abusive, and financially distressed as I have never been able to qualify for decent financial products! I hope CFPB helps me to remove this mark on my credit report forever! 
I will appreciate your help in this important matter! 
Blessings and stay healthy outhere! 
Regards, -XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked several times for XXXX to remove the following hard inquiries and it has not been removed as of yet. 
XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX  XXXX Balance {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

( The information I disputed has been verified as accurate ) I am requesting that you and the furnishers do a full and thorough investigation of the following accounts that I am disputing. Please send a copy of this letter to each furnisher and I want you ( and each furnisher ) to do a proper investigation as required by the law. To be clear, I am not asking you to ignore my letter. Or send me a silly form letter back refusing to investigate. Instead, Im asking you to take this very seriously as I take the accuracy of my credit reports very seriously. It is vital that I have accurate and complete credit reports with all the information verified. 

On my reports, there is contradictory, incomplete, and incorrect information that can not be verified. I dont know if this is because the furnishers, who are unreliable sources of information, are giving you false information. Or whether you are doing a poor job of reporting the data. Either way, now is your chance to do the right thing and it is now the opportunity for the furnishers to do the right thing. 

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. The never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may, have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my right numerous times. 
The credit bureaus violated my given rights under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a a
ccount without my written instructions According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND I SEE HARD INQUIRIES THAT I HAVE NEVER AUTHORIZED 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: Checking or savings account

They had reversed some of my money without my permission now my account is ruined and it wasn't my fault they said I had disputed something on my card when I didn't
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have XXXX loans, they are reporting XXXX loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.
Product: Money transfer, virtual currency, or money service

Wells Fargo Bank continues to keep my life in financial ruin and my mom has been allowed to have total control over my credit report and my mom has been falsifying probate court documents for the obvious gain to keep opening fraudulent loans for which I have to be responsible for. Well over {$5.00} XXXX if you include the closed Treasury account and my us savings bonds and my federal direct student loan and unemployment insurance.
Product: Debt collection

I received a collection letter from a company named XXXX XXXX XXXX XXXX XXXX dated XX/XX/2018, collecting on debt from a XXXX XXXX XXXX in the amount of {$1400.00}. I submitted a debt validation letter to them within the 30 day period. I have no knowledge of this debt and want to know if this is a scam. I am a licensed attorney and will fight this unlawful collection attempt to fullest extent of the law. But, would appreciate your help on this manner, if you are familiar with this company attempting to collect this debt. If they have complaints on file. How do I go about getting access to those complaints or record of action taken against them. Thank You for your help.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting act XXXX Account # 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.
Product: Checking or savings account

investigate to see if i am owed any double overdraft fees my account no longer exists
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX  I XXXX Date Opened : XX/XX/2018 Balance : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ), XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$100.00} )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$280.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

n alignment with my rights under the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX CARD - XX/XX/XXXXXXXX XXXX CARD - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My XXXX was restricted, I spoke with customer support to make it available again, but nothing has happened.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing a high balance of {$8000.00} on my Trans Union credit report. This is impossible, because the account was paid off through a forgiveness program years ago. The account is also past the 7 year statute of limitations, and should have been removed from my credit reports years ago.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the inquiries 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 XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax
Product: Credit reporting or other personal consumer reports

My XXXX loan account is reporting inaccurate late payments on the account. According to my XXXX, XXXX, and XXXX The XXXX  loan company reported a one time 90 past due late payment on XX/XX/year>. How can the payment be 90 past due late on XX/XX/year> but in XXXX, XXXX, XXXX, XXXX, XX/XX/year> the 5 months before the so called late 90 day everything was reported as on time and Current/ terms met. It is not accurate and it should be removed from my credit file.
Product: Debt collection

This morning around XXXX on XX/XX/XXXX, I was called by a debt collector from 'Unifin Inc. ' attempting to collect over {$900.00} in medical debt from XXXX for a XXXX I received in XXXX. I have received several calls from this phone number over the last two months, but every time I would answer the caller would hang up. This is the first time there has been a person on the other end. 

The woman on the phone told me how much I owed, and sent an email with the website XXXX in the signature on my request. When I told her I was pretty sure I had already paid the debt, she gave an insufficient explanation of the source of the debt. I told her I had checked my credit report a year earlier and had zero items in collection, but she had no sufficient answer for that either. 

I asked for her to send official documents in the mail, and she said she had sent them. She then told me I could make a deal to settle today for {$650.00}. I informed her I would need to double check with a credit agency to make sure the collection item was legitimate, and I could call back another time. She preceded to adopt a harshly critical tone, informing me that the debt may not be with them any longer after today, and they would pursue any means available to collect the money, and promptly hung up on me. 

When I checked my XXXX  credit report this afternoon, there are still zero items in collection on my account. I am fairly certain this is a paid debt. Unifin 's tactics, obtuseness, and opaque process are all very concerning.
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  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : U.S DEPARTMENT OF EDUCATION Account Number : XXXX Account Name : U.S DEPARTMENT OF EDUCATION  Account Number : XXXX has violated my rights. Or list of inquiries 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 card

I have gotten a XXXX XXXX XXXX but comenity bank. When it was time to register my account. I had to call customer service because it helps stating my account was not found. I called customer service they were able to find my account with no issues. As I was on the phone I was able to register my account and make a payment. I, then signed up for paperless emails. They sent me an email to confirm and when i try to log into my account it states page not found. The website also removed my phone number from the account so I can only receive the code to login in with security through my email. When I call and speak with someone they are able to see my phone number perfectly fine. I try to make payment through automated system is does not work as well. I just tried to sign in to my account and the actual website does not allow me
Product: Credit reporting, credit repair services, or other personal consumer reports

Name XXXX XXXX I want a consumer report for myself it is a few things I want to dispute with banks early warnings services social security number XXXX my address is XXXX XXXX northcarolina mail address XXXX XXXX XXXX XXXX  northcarolina XXXX the zip code is XXXX with both address I have a newyork address to if need it reply back I want to dispute every thing you have on my consumer report it is checks I deposit and they say the checks was deposit once in the bank already that is not true only once one bank someone deposit a check in my account that one I do not no about that did finish complaint with you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I reach out to Equifax by mail and phone to dispute public records on my credit report. I provide a letter from the court saying they do not report information the Equifax.
Product: Credit card or prepaid card

1 ) I placed an order ( {XXXX} total ) on XXXX XXXX XXXX on XX/XX/XXXX in the night using my Bank of America credit card XXXX However, when I placed the order my browser was not showing things properly, when I double checked a few hours later I realized the items were final sales, so I contacted the customer service right away to cancel my order, on the same day, same night. 

2 ) The agent replied on XX/XX/XXXX, saying they will get back to me. But they never tried to cancel my order, instead they ignored everything. 

3 ) On XX/XX/XXXX, they shipped the order to my surprise. 

4 ) On XX/XX/XXXX I received the package but asked XXXX to return the package to sender, so the package was never opened and returned on the dame day. 

XXXX XXXX On XX/XX/XXXX, the order was delivered to the sender, signed by XXXX 6 ) I disputed the charge with Bank of America, however they didn't resolve the claim to my favor, instead they processed the payment to the seller.
Product: Debt collection

My name is XXXX XXXX. I have an account with XXXX XXXX. I received notification from them on XX/XX/2018 that there is a new collection account on my equifax report for which I have no knowledge. The Company is Cavalry Portfolio Services. I have not been contacted by any means and totally dispute the validity of this alleged unless and until I am provided with proof of the debit and the opportunity to verify or dispute I am requesting that this negative mark immediately be removed from my XXXX   Credit Report. I have not contacted Cavalry but have disputed with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company has been reporting late pays to the credit bureaus for several months now. I have tried contacting them directly to have the issue resolved with no help. I have disputed it with the credit bureaus only to have them put the late pay for the current month. I have submitted a Respa Notice of Error Request to address the issue of missing and incorrect payments being reported to the credit bureaus by the mortgage lender on XX/XX/2022. I have never received anything from my mortgage lender. It is screwing with my credit score and loans that I had to take out were priced significantly higher because of this error or denied completely.
Product: Mortgage

Please see attached complaint. Step 2 of 5 does not capture my complaint. I chose " Trouble during payment process '' but that is not the issue and the other choices do not apply either. Our situation involves an insurable loss to our residence. We can not get BSI to pay out insurance funds we were required to endorse over to BSI so they could control payments to contractors to repair our kitchen after a fire.

The Company is currently operating under a Consent Order with the CFPB for traditional mortgage servicing activies.
Product: Payday loan, title loan, or personal loan

I want a hard copy of my Loan documents. They are refusing to email or send. I am having problems signing in their system. However I should still be able to get a hard copy sent regardless. That is my issue.
Product: Credit reporting

I initiated a dispute with Experian, XXXX and XXXX on XXXX regarding inaccurate information reported on XXXX of my student loan accounts. As of XX/XX/XXXX the information had still not been updated despite the fact that the creditor had updated my accounts and sent out updates. On XX/XX/XXXX I requested cancellation of the disputes with all XXXX bureaus and sent documentation from the creditors directly to XXXX and XXXX in an attempt to have my file updated in order to be approved for a home loan. I was not able to do so for Experian. I spent over 90 minutes on hold, explaining the situation again and again, I was transferred 5 times and told my only options were to upload documents to the website or to mail the documents. The website was not working and no one would help to resolve the issue. I attempted to upload in pdf, with a file size of XXXX, which per the websites instructions was perfectly reasonable. I attempted XXXX different browsers on XXXX computers, I renamed the files, I tried to scan the pages individually. Nothing worked. Not a single representative with Experian provided me with a phone number, an email address, a name or anything else to assist me in sending these documents. The accounts in question should never have been reported as delinquent and are preventing my husband and I from making an offer on a home as we can not obtain a pre-approval. I am beyond furious that on top of being penalized and having my FICO driven down by erroneous late payments ( 3 years of late payments being recorded while these loans were included with a bankruptcy by the co-borrower on the account, not even me! ) and now I can not even update the credit file in order to obtain a home loan and not a single person with Experian lifted a finger to try to help me in resolving this quickly. It had already dragged on for more than 2 weeks. I am quite sure there are other secure methods for sending information, or someone within the company who could have assisted. Further, if their website is n't going to work then someone should be taking responsibility for ensuring there is either an alternative method that can be used besides mail ( seriously, you want me to wait ANOTHER 7-10 business days on top of the 10 I 've already waited because YOUR website is n't working?????!!!! ) to send information securely. As it is, we will likely lose the home we are trying to make an offer on due to mistakes that are not mine because no one was willing to help me.