23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter on XX/XX/2018 stating that I must respond and begin making payments on my federal student loan or it would go into default status. I called within the first 30 days of the allowed 60 days and they told me that my loan was already in default and to " disregard the wording as it is their general welcome-letter ''. They then took some information from me and stated that I would need to pay a monthly amount of {$78.00} for 9 months for my loan to be taken out of default status. The entire loan amount equaled {$7300.00}. I agreed to the monthly amount and asked if I could make the first payment but they asked me to wait until I received another letter for them to begin making payments. 

While I was waiting for their letter they began calling my employer and my employer transferred the call to me. I immediately asked them never to contact my employer and only to contact me on my cell number. They agreed, but then stated my new total was {$9200.00} and I would now be required to make a monthly payment of {$750.00} per month. I told them this was not feasible for me and asked why my monthly amount jumped 10x that of their last quote. They said it was because I was married and my husband made the same amount of money that I did. I asked then why the payment wouldn't just double to {$150.00} and they couldn't tell me. At this point I asked them again to only contact me via my cell number and I called my attorney for advice. She advised me not to speak to them and to allow them to send a letter on my behalf. 

A week later I began receiving calls from them again directed to my employer. I spoke to them and reminded them that I expressly asked them never to contact my employer, that I had never given them the name or number of my employer and that they were jeopardizing my employment by doing so. They then pressured me to give them the name and phone number of my attorney and I said I didn't feel comfortable doing so and that all information would be clearly presented in the letter presented on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I XXXX XXXX XXXX never gave Trans union LLC any written consent to report anything on my consumer, report. No consent is identity theft. Tracking # XXXX I contacted them via certified mail
Product: Prepaid card

I purchased a {$500.00} load it pack for my paypower pre paid credit card on XXXX XXXX. With no prior notice to their customers they added a new level of security to their process called " safe ''. 
The program was not ready to be implemented with all of the issues they were having accessing the safe program. I purchased this card to pay XXXX bills that were due immediately so I closed my account with paypower and asked for a refund check for my {$500.00} reload it pack and still have not received my refund check as of XXXX XXXX, XXXX each time I call and speak with XXXX she assures me the check is on the way and the date comes and goes with no check. I feel I have been scammed by this company and just get lied to repeatedly. XXXX months is not acceptable time for a refund.
Product: Credit card or prepaid card

I was denied a credit card by Citibank as a credit-worthy applicant on. This is considered discrimination according to 15 USC 1691 and 12 CFR Part 1002 ( Regulation B ).
Product: Mortgage

This company, XXXX XXXX XXXX, shows on our account history they have been paying PMI monthly out of our escrow in the amount of {$170.00}. Our escrow balance has been reduced monthly by this amount, ( in addition to payments for homeowners insurance and property taxes ). In XX/XX/XXXX, XXXX  reduced our escrow account by an additional {$4300.00}, showing it was to pay  PMI. My wife called the company to inquire about this and the rep seemed unable to explain the issue, then finally stated the PMI payments they were making had been sent back to them so they had to pay two years of PMI all at once. We have not even been with this company for two years. My wife asked if all the payments they showed to escrow in the amount of {$170.00} were sent back to them why was the escrow account not credited in that amount. If they were collecting that money as part of our monthly payment and it was not received by the Private Mortgage Insurance Company,  where did the money go? The representatives she spoke with were very evasive and were not able to answer her questions. They advised they would get back with her and no one has yet to contact us to explain this. Today, we received notice that our monthly payment was going up {$200.00} due to an anticipated shortage in our escrow. This shortage is due to their withdrawal from our escrow for the {$4300.00} that no one from the company can explain to us and their own accounting does not support. I called XXXX  again to inquire about this issue and the customer service rep could not explain the discrepancy.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Debt paid for toll charge with XXXX directly to XXXX for rental agreement XXXX in the amount of {$100.00}. XXXX confirmed with attached statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT A AUTHROIZED USER FOR THIS ACCOUNT THIS IS NOT OK PLEASE REMOVE {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using 106 % of your credit limit. 

30 % ( Stay below ) 106 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms XXXX Remarks -- Creditor Name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Is everything looking correct? 
If not, you can report an inaccuracy. 

Learn how to r
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which Equifax wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have incorrect information reporting on Transuinion. I have called and submitted info to them to remove this account with XXXX. I will attatch the letter I have from XXXX proving this information is incorrect. I want this removed from my credit report ASAP.
Product: Credit card or prepaid card

I am a victim of identity theft, I had 39 applications in XXXX and XXXX from Synchrony Bank for store retail cards, credit cards, balance transfer credit card, gas credit card, I followed the list from FTC for victims of identity theft and I filled 2 police reports in XXXX for identity theft with the local police department, 1 report for stalking, 1 report for harassment by phone, 4 identity theft reports with FTC for every time the cards were used and a billing statement would appear in my mail box. 
It became worst when the identity theft escalated to mail theft, most cards applied for and issued by Synchrony Bank were either forwarded to a clandestine address and never received or stolen on the mail without a trace. When contacting the bank in XX/XX/XXXX I was assured that every account would be closed and removed from my credit without hurting my credit score. 
48 hours later I called to follow up on XX/XX/XXXX and the Synchrony Bank associate had no history of my phone call, I took 28 phone calls to every department store working with Synchrony Bank to receive a letter in the mail from their fraud department to fill it up the fraud forms and provide the police reports. My credit went from XXXX credit score to XXXX and still dropping, a year has passed and every month an account from Synchrony Bank shows up in my credit report and a letter from the bank stating that I am benefiting from an account that I don't even have the credit card. 
In XX/XX/XXXX I was robbed in my office/work at XXXX XXXX XXXX, at XXXX, MD, whereas my driver 's license, my paycheck, my cash, my house keys all were stolen from my desk but I took the necessary measurement at the time and filled a police report at the scene. 
I am a victim of a crime, I even involved the State Attorney of Illinois which she provided a letter stating that no reporting to the credit report should be allowed under Federal Law resulted from a crime investigated by its office.

Just to resume : 5 police reports, letter from FTC for Identity Theft, letter from the State Attorney of Illinois for Victim of Crime ; It is not only illegal to collect the theft but the points lost every month of XXXX points for an account pass due or maxed out that I have no ownership of the shopping spree.
Product: Credit reporting or other personal consumer reports

Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Credit Extension Uniformity Act ( XXXX ) under XXXX XXXXXXXX, I am writing to formally dispute the inaccurate information reported on my credit report regarding the account listed under XXXX XXXX XXXXXXXX XXXXt # XXXX. This account has been on my credit report for over XXXX years with several inconsistencies and errors that violate my rights under both state and federal law. I request that your agency conduct a thorough investigation into this matter, as required by law, and provide written confirmation of your findings. Issues with the Reporting Discrepancies in Dates of Activity and Verification : XXXX reports a " Date of Last Activity '' as XX/XX/XXXX, yet the " Last Verified '' date is XX/XX/XXXX. Similarly, Experian reports a " Date of Last Activity '' as XX/XX/XXXX but with a " Date Reported '' as XX/XX/XXXX. These conflicting timelines demonstrate a lack of consistency and reliability. Inconsistent Dispute Resolution Reporting : XXXX states that the account is " Not Disputed, '' while Experian reports " Subscriber reports dispute resolved - consumer disagrees. '' This discrepancy indicates failure to maintain accurate records as mandated under 15 U.S.C. 1681e ( b ). Unsubstantiated Balance Owed : The account reflects a " Balance Owed '' of {$2100.00} without sufficient evidence to support how this amount was calculated. The " Payment Amount '' is listed as {$0.00}, yet the account is reported as " Charged Off as Bad Debt. '' This is inconsistent and likely inaccurate, violating the FCRAs requirement for complete and accurate reporting. Derogatory Status Without Evidence : The " Derogatory '' status and " Collection/Chargeoff '' designation lack validation or supporting documentation from the original creditor. Additionally, no proper notice of this debt being charged off was provided, which may violate Pennsylvanias Unfair Trade Practices and Consumer Protection Law ( UTPCPL ). Failure to Verify Information : The creditors failure to adequately validate the accuracy of the information before furnishing it to the credit bureaus violates their responsibilities under 15 U.S.C. 1681s-2 ( b ).
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, TransUnion, and XXXX regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, it has become evident that these credit reporting agencies have failed to fulfill their obligations under the FCRA, thereby infringing upon my rights as a consumer. 

The FCRA explicitly defines a consumer report as excluding transactions and experiences. However, I have observed that these agencies have been including transactions and experiences, such as late payments and remarks, in my credit report. Not only are these items not supposed to be included, but I have not provided written authorization to the creditors to furnish this private and personal information, as mandated by the privacy notice regulations outlined in the Gramm-Leach-Bliley Act ( GLBA ). 

I believe that the inclusion of such information in my credit report is an infringement upon my privacy and is being utilized to exert control over my personal and private life. These unauthorized additions are resulting in negative items and remarks on my credit report, which should not have been present in the first place. 

Furthermore, I would like to bring to your attention that the name " XXXX XXXX XXXX '' is currently pending trademark registration. As the trademark owner, I hereby assert that XXXX, XXXX, and TransUnion are only authorized to furnish balances connected to my daily commerce activities and to contact me, the consumer and trademark owner, regarding the use of my Social Security Number ( SSN ) for information furnishing purposes. However, this authorization must be granted through written communication, not electronic, email, or phone correspondence. I expect these agencies to adhere strictly to these guidelines and await my approval response before furnishing any information without my explicit consent. 

In light of these violations, I am notifying you that I will be filing a Form 56 with the Internal Revenue Service ( IRS ) to establish our fiduciary relationship. This action is necessary as these credit agencies have taken it upon themselves to report financial data on my behalf without my authorization.

Any inaccuracies in reporting or unauthorized reporting by the creditors, past or future, or the credit reporting agencies, will be reported to the IRS, Federal Trade Commission ( FTC ), Better Business Bureau ( BBB ), and may even lead to litigation for breach of contract, if deemed necessary. 

I am eager to establish a competent fiduciary relationship with these creditors and agencies, provided that they operate in full compliance with the law and refrain from misusing or utilizing my private information, trademark, or credit report without my explicit handwritten authorization. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these grievances and ensure that consumer rights are upheld.
Product: Vehicle loan or lease

I PURCHASED A XXXX XXXX  XXXX AND WHEN I WENT TO GET INTO THE CAR TO GO HOME WITH THE CAR I NOTICE THE CHECK ENGINE LIGHT WAS ON AND THE DEALER SAID IT WAS PROBABLY DUE TO IT SITTING UP AND THEY HAD JUST PUT GAS INTO THE VEHICLE AND ADVISE ME TO DRIVE IT ABOUT 50-100 MILES AND IT SHOULD CLEAR, I DROVE THE CAR BACK TO XXXX TX FROM XXXX AND THE LIGHT WAS STILL ON SO I BROUGHT THE CAR BACK TO THE DEALER AND THEY KEPT THE CAR UNTIL I CAME BACK FROM OUT OF TOWN WELL WHEN I GOT BACK THE LIGHT WAS STILL ON AFTER THEY TOLD ME IT WAS FIX SO I AGAIN LEFT IT THERE AT THE DEALER TO FIX IT. I WENT BACK TO XXXX TX TO GET THE CAR BACK IN XXXX XXXX AND UPON GETTING IT BACK I ASK FOR THE REPORT OF WHAT WAS WRONG AND IT STATED THAT THE OIL WAS BACKING INTO THE MOTOR SO THEN THE LIGHT WAS OFF. LAST MONTH IN XXXX I WAS DRIVING THE CAR AFTER I GOT BACK FROM OUT OF TOWN AND I GET ON THE HIGHWAY, I CAME TO A RED LIGHT AND AS THE LIGHT CHANGE I GO TO MAKE A LEFT TURN AND THE CAR CUT OFF IN THE MIDDLE OF TRAFFIC SO I CALLED A TOW TRUCK FOR THEM TO COME TOW IT TO XXXX  HERE IN XXXX TX. IT WENT INTO THE SHOP XX/XX/XXXX AND IT STAYED THERE TIL LAST WEEK. COME TO FIND OUT THE MOTOR IS GONE ON THE VEHICLE AND ACCORDING TO THE DEALER/XXXX  THE PRIOR OWNER DIDNT KEEP UP THE UPKEEP ON THE CAR AN THEREFOR IT RESULTED INTO SLUDGE BUILDING UP INTO THE MOTOR. I HAVE CALLED THE DEALER AND TRIED TO SEE WHAT THEY CAN DO TO HELP ME WITH THE INCONVIENCE AND I WAS TOLD THAT ITS NOTHING THEY CAN DO, IVE CALLED THE FINANCE COMPANY THEY TOLD ME THAT I CAN HAVE THE DEALERSHIP UNWIND THE DEAL BEING THAT THEY SOLD ME A LEMON AND I CALLED AND SPOKE WITH THE GM MANAGER XXXX XXXX AND HE TOLD ME HE CANT UNWIND THE DEAL BECAUSE THEY WILL BE LOSING MONEY BUT I HAVE LOST MONEY, TIME, AND A CAR THAT I CANT DRIVE. IVE CALLED THE FINANCE COMPANY AGAIN AND I ASK THEM IF I CAN VOLUNTARY TURN IN THE VEHICLE AND THEY SAID YES BUT IT WILL STILL HIT MY CREDIT AS A REPO. I ASK BOTH THE DEALER AND THE FINANCE COMPANY TO HELP TO SEE WHAT EITHER CAN DO AND BOTH SAID NOTHING. I HAVE GAP, A WARRANTY, AND EXTENDED WARRANTY AND NEITHER WILL HELP OR PAY FOR ANOTHER MOTOR DUE TO THE PREVIOUS OWNER NOT KEEPING UP THE MAINTANCE ON THE VEHICLE. IVED FILED COMPLAINTS AFTER COMPLAINT AND STILL NOT GETTING ANYWHERE.
Product: Debt collection

XXXX I flied a complaint with your bureau for assistance against a collection agency ( National Recovery ) in whom is reporting a inaccurate debt of {$780.00} on my XXXX  , XXXX & XXXX  credit report in which they claim I owe directly to them on behalf of XXXX . 

XXXX After showing proof to your bureau that I settled this debt with XXXX directly ( please see attachment ). National Recovery responded to your bureau with the following statement : NRA Group LLC, has received this complaint. We mailed a notice to the consumer on XX/XX/XXXX and it came back as mail return. It is the same address the consumer provided on this complaint. Without a correct address we can not send anything- the consumer could have provided us with a updated address and billing would have been mailed. As of XX/XX/XXXX the account has been marked as paid - the client reported a payment to us and the account is closed. The credit bureaus will be updated as such. Once they are updated it could take them 30-90 days to fix the consumers credit. If they wish to expedite this process they will need to contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX XXXX to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Mortgage

Bank of America kept changing the pay-off amount for 3 months. Every time, they changed the amount, they hit me with more interests and more payments. I spoke to multiple Customer Service agents and they all promised to " take care '' of it but nothing ever happened.     Account -  XXXX
Product: Credit reporting or other personal consumer reports

XXXX & XXXX has agreed they made an error and to delete the referenced account. I know my federally protected consumer rights and will seek legal action if nothing is done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I want to know if this is even legal?! How can they disclose information without knowing its a correct email?!
Product: Debt collection

Notice of fraud violation of the consent agreement compliance and XXXX signed by the XXXX attorney general  and all other states AGs using forgery assignment robo-signed by XXXX XXXX which was exposed publicly and specifically in my XXXX wrongful foreclosure case no. 
XXXX that was included in XXXX  and for which I was awarded {$500.00} for foreclosure violations specifically this forgery robo-signed assignment, and the robo-signed notice of default by XXXX XXXX, also publicly exposed and also included in the XXXX and consent agreement, by : Attorney XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX and Attorney XXXX XXXX of XXXX XXXX XXXX of XXXX that physically and electronically submitted this fraudulent rob-signed forgery assignment accross state lines to the XXXX Supreme Court in their Appellee Brief to my case no. XXXX dated XX/XX/XXXX as the main item to support their authority to wrongfully foreclose for the 4th time since XXXX on my home of 17 years. 

And they also physically and electronically submitted this same forgery robo-signed false assignment across state lines to the XXXX Bankruptcy Court case no.XXXX on XX/XX/XXXX as their main support for their motion to lift stay so they can wrongfully foreclose for the 4th time on my home of 17 years.