23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

This company has made repeated calls to me on my cell phone and at work. They call me from cell phones without identifying who they are just saying " hey, call me ''. they call my contacts and relatives from unknown cell numbers saying " hey, call me '' so that they will get a returned call. They have called every one of my list of contacts in one day saying they were looking for me. They call me one time and if I do n't answer they call my daughter and tell her that they are looking for me. They 've called my daughter 's boyfriend, my former mother in law and both my daughters on their cell phones saying they were looking for me. They have also done an unauthorized credit bureau check in XX/XX/2016.
Product: Debt collection

The financial institution that is in charge of my auto loan has been repeatedly calling me. As of writing this statement, they have called me 8 times in 3 days. I have a call log and voicemails.
Product: Vehicle loan or lease

I tried to make a payment on my account via phone through a third party that the lease company told me to utilize. The company was not open and their automated system kept kicking me out. I then tried to make the payment on the internet with negative results. I tried to contact Infiniti to rectify the problem but there was no one at their office to receive my phone call. Their negligence caused my credit to have a 30 day marker which should be corrected.
I have phone records to show my attempts to pay prior to day 30.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my EXPERIAN Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$640000.00} ;
Product: Student loan

In trying to manage my student loan accounts, I have been trying for months to unenroll from automatic debit payments. When payments resume, I simply wish to submit my payments manually each month. 

Each time I ( or any borrower I assume ) clicks " Cancel Direct Debit '' it logs me out and says an unexpected error has occurred. I assumed this was a temporary issue, and have been trying for months with the same result. 

I have contacted FedLoan Servicing ( the servicer ) on XX/XX/2022 and XX/XX/2022. They will not respond, help me cancel direct debit, etc. 

With continued uncertainty surrounding student loan repayments, it is not unreasonable for consumers to wish to monitor their loans closely and submit payments themselves when payments resume. I simply wish to opt-out of direct debit, but FedLoan Servicing is making that impossible.
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 XXXX  : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 or other personal consumer reports

I am in need of help because I am being harassed by a debt collector who is repeatedly calling me after I told them that its a bad time to call me. I also have screenshots of them calling at the same time day after day making me feel uncomfortable. 

I looked up this law 15 USC 1692 which is the FDCPA and in section 1692c ( a ) ( 1 ) it says ( At any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX and before XXXX oclock XXXX XXXX, local time at the consumers location ; ) Which means that if I told them it is not a good time they should know that the time they called me was inconvenient They also violated me again under the FDCPA privacy and confidentiality under 15 USC 1681 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, Dept of Ed/XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX , XXXX : XXXX XXXX5 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more then 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

I sent a letter by certified mail to TRANSUNION on XX/XX/2018, challenging the accuracy, compliance, and reportability of a listing - XXXX XXXX XXXX XXXX, filed under my social security number per the FCRA section 611 ( a ) ( 1 ) ( A ).

In my letter, I asked that TRANSUNION validate the information and provide me with copies of any documentation associated with this account, bearing my signature. 

A representative from TRANSUNION signed for the letter on XX/XX/2018, at XXXXXXXX XXXX and on XX/XX/2018, I received correspondence from TRANSUNION stating that the account was UPDATED. However, TRANSUNION did not send me any information to validate the accuracy of the account. 

On XX/XX/2018, I sent another letter by certified mail to TRANSUNION which was signed for on XX/XX/2018, at XXXXXXXX XXXX This time I requested from a description of the procedure used to verify the accurateness and completeness of the information, as well as the name, address and phone number of each person contacted regarding this alleged account per the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) I asked for any documentation baring my signature, showing I had a legally binding contractual obligation to pay the amount which is claimed I owe to XXXX XXXX XXXX XXXX, in which they had 15 days to respond. 

I was then sent correspondence from TRANSUNION on XX/XX/2018, ( 10 days late ) stating the account in question was " verified as accurate '' with none of the supporting documentation I requested for. 

I also informed TRANSUNION dependent upon their response I would be filing formal complaints with the : Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint due to no communication regarding a status on a investigation from Equifax. I wrote Equifax on XX/XX/2021 about 4 inaccurate items on my credit report. I provided everything they needed for a investigation and again I am supplying it her in this complaint. In the beginning of XXXX I was told after going through the verification over the phone that my disputes have been received but could not tell me whats going on expect its in progress so I sent another letter on XX/XX/2021 to see if I can get a response in writing. It is now XX/XX/2021 almost 2 months since my first complaint and still nothing. It's been 2months since my first request and this company keeps reporting inaccurate information in my credit report. This is taking way to long and effecting me in more ways than one. please delete these inaccurate items from my report
Product: Debt collection

Dear Sir/Madam, I am writing to you regarding the money you are claiming payment for, on the above account. 

I am unable to repay the {$410.00} due to unforeseen circumstances. 

I can instead offer the total amount of {$100.00} which is 75 % or {$200.00} which is 50 % as a full and final settlement. 

If this is accepted, you agree that you or any associate company can take no further action against myself to enforce or collect this debt and that I will be released from all liability. 

Please also confirm that you will also mark my credit reference agency file to show that you have accepted the above amount as the full and final settlement and that the account is closed and paid. 

I am able to pay the amount I have offered within [ insert length of time within which you can pay ] once you have accepted my offer and I have received written agreement of this. 

Please confirm where to make payment to. 

Yours faithfully, XXXX XXXX XXXX
Product: Bank account or service

PNC changed their HSA account login and there are no links or directions to the new website. My money just vanished.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress 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.

1. Account Name : XXXX XXXX Account XXXX : XXXX 51 US.C. 1681 section 602 .A States I have the right to privacy.

51 US.C. 1681 Section 604 A Section 2. I t also states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held {$10000.00} per violation. 


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

Ive have submitted a ( 3 ) disputes on this matter to no avail, constantly reporting accounts of missed payments, and charge-offs As accurate when it is in included in bankruptcy XXXX  XXXX. Its affecting my life I was recently turned down for school for this the adverse letter specified that I have late accounts and charge offs
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below is not associated with my residence history and must be removed : XXXX XXXX XXXX, XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX, XXXX, DE, XXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Social Security Number : XXXX Date of XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Got a letter from AD ASTRA recovery services saying a owe a certain amount of debt from a loan I got out from speedy cash services
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my consumer report and noticed there was an inquiry from credit plus a company I never gave authorization to or known of.The date of the inquiry was on XX/XX/2021 I sent credit plus a demand letter stating that they were in violation of the fair credit reporting act and they sent me back a letter stating that they got my information from another company without my authorization which is Fraud Pursuant To the fair credit reporting act. I have attached files supporting my claim 15 USC 1681B-permissible purpose of consumer report 15 USC 1681M ( f ) -Requirements on users of consumer reports 15 USC 1681N ( 1 ) ( B ) -Civil liability for willful noncompliance 15 USC 1692B ( 5 ) -Acquisition of location information 15 USC 1692C ( 3 ) -Communication and connection with debt collection 15 USC 1692J-Furnishing certain deceptive forms
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve errors on my report since XX/XX/XXXX. It is now XXXX. There are inaccuracies with the following accounts that per the FCRA should be removed : XXXX is showing derogatory status. The CRA continues to state verified yet has not sent me viable proof of validation. They refuse to remove account even though I've sent proof that the CEO of XXXX can't find the account and that the CRA can't verify since I've frozen my reports with all 3rd parties. I've attached copy of FCRA, Copy of letter from CEO and proof that all 3rd party reports have been frozen. 
XXXX opened XXXX, is showing derogatory status. The CRA continues to state verified but has not sent me copy of original contract or anything else that would be considered proper debt validation. Furthermore, this account was sold and a write off, thereby making me not liable for this account. Also, I've frozen all third party reporting so for CRA to state verified is fraud. 
Get it Now Account opened XX/XX/XXXX shows late payment and status of closed instead of paid as agreed. Since late payments listed fall under Cares Act and this account has been paid in full, it is being reported inaccurately. The CRA refuses to fix errors or delete account despite them being unable to verify or property provide proof of validation. 
Get it Now Account is showing balance despite being paid off and paid in full since XX/XX/XXXX. 
Currently this CRA is in violation of section 623 ( a ) ( b ) regarding these accounts. I've attached copy of the FCRA, Copy of Cares Act, Proof that third party reporting is frozen and Copy of XXXX  CEO email. This CRA is in clear violation of my rights and FCRA.
Product: Credit reporting or other personal consumer reports

Lexington Law has been taking money sinceXX/XX/2021 Never getting my scores up nor informing of situation.
Product: Checking or savings account

My name is XXXX XXXX, XXXX : XXXX ; I am from XXXX XXXX and I was a XXXX in the XXXX in XXXX studying at XXXX XXXX XXXX 

I am reporting an unauthorized transactions from XXXX different ATM cards that I own from a Bank in my country XXXX  XXXX called : " XXXX XXXX ''. Those transactions were done without my knowledge or my permission ( I have been stolen ). I traveled with my family to Florida in XXXX, and most of the withdrawals were in Florida except XXXX or XXXX withdrawals were in Virginia, XXXX have attached a PDF file with details of each transactions from each card. The transactions were unauthorized withdrawals from each ATM card at the same day & time every day ( It was not me ). I contacted the XXXX Banks to provide me with any information, however, there was no response or answer. I also contacted the XXXXXXXX XXXX " XXXXXXXX XXXX  '', and they said they can't know. I, therefore, contacted XXXX, FL Police based on their official website to check the recorded videos, I attached my photo to match the Video with my photo, and I sent them all the details even pictures of the ATM cards along with PDF file with transactions ; however, there was a response from an email ending with XXXX NOT XXXX ( I attached a picture of their response with their email ) and there was no action or response or any investigations. Each withdrawal was {$1000.00} from each card every day at the same date & time. The one who withdrew the money has activated XXXX XXXX in his Phone because I recieved a text message from my Bank in XXXX XXXX stating that XXXX XXXX was activated, but not by me. 

All I need is only XXXX of the one who withdrew the money which was around {$13000.00} or more, then will decide what to do next. 
I am currently in my home country, please help me clarifying everything. 

My name : XXXX XXXX XXXX My Social Security Number : XXXX My Cell # : XXXX My Official email : XXXX My public email : XXXX XXXX ATM card : Name : XXXX XXXX ATM card # : XXXX Expiration date : XX/XX/XXXX Number at the back : XXXX XXXX ATM card : Name : XXXX XXXX ATM card # : XXXX Expiration date : XX/XX/XXXX Number at the back : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed dispute letters to all 3 credit bureaus XXXX ; XXXX ; and Transunion about items on my credit reports that I should be removed. I have not received any responses from any credit bureau regarding the disputes. I have sent month after of month of disputes and have never received a response, the letters in question have been attached as proof my correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whereas on or about XXXX, i entered into a contract with United Auto Acceptances regarding a vehicle. after obtaining this vehicle for about seven months, i then begin receiving phone calls from said party stating that i was behind on Two payments and, my response to them was that their records were incorrect, so i requested for them to provide me with the dates that they claim i've missed. After receiving the information, I then contacted my financial institution for print outs of these transactions that i knew i had made with said party 's with my check card. whereas i then contacted United Auto Acceptance and, advised them of the mistake on their behalf, they listen to me and i thought that was settled. But around 6 months later on or around XXXX i started receiving calls and, alerts from creditors and credit agencies concerning my credit score and, negative item 's on my report, in which this was causing me and my family to be denied of the luxury 's that i have worked so hard for, all because of the evil acts directed towards me. At this time my previous living property was being sold and the property was being remodeled, we were actually living within our vehicles until god answered our prayer. I contacted the credit bureaus submitting disputes to all three major bureaus, it only seemed as if the credit bureau was only concerned with the other party 's complaint and, i never heard anything else, United auto is now claiming that i'm 4 months behind in payments, why would someone be so malicious towards a person that they do not know. i later found out that i was actually being charged a late fee without even knowing, there was know under writing stating that a late fee would automatically charged to me. i agreedied to pay {$200.00} every two weeks ( bi-weekly ), but i found out that the actual fee is {$190.00}. i have all supporting documents that will prove that i owe nothing on this vehicle that show that i am behind on this contract. Even while this pandemic is happening world wide, these people ( united auto acceptance ), do not care.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered fraudulent hard inquiries, they are XXXX XXXX XXXXXX/XX/year> | XXXX XXXX XX/XX/year>.
Product: Mortgage

I submitted a loan modification package # XXXX for which I received a forbearance agreement in writing from Ocwen on XXXX/XXXX/XXXX - exhibits attached Ocwen cashed my first check on XXXX/XXXX/XXXX for {$240.00} and according to their letter they stated that " if we do not receive your payment on XXXX/XXXX/XXXX this offer will be considered revoked, what becomes of the written agreement since Ocwen returned all my other checks and stated that no alternative payment arrangements was agreed to? What becomes of my {$240.00} that was cashed and since it was cashed does this not mean that there was a binding agreement? And since Ocwen returned all my other checks do that mean that Ocwen breached the agreement and I became responsible for the full loan amount?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax refuse to delete the XXXX  XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX as the result of fraud. I contacted XXXX XXXX and they send letters directly to each credit bureau ; XXXX, Equifax and XXXX XXXX. XXXX deleted the entries. Attached is a supporting document from XXXX XXXX. 

Additionally, XXXX XXXX refuses to delete another inquiry XXXX XXXX dated XX/XX/XXXX. XXXX failed to delete AMOUNT SMALL BUSINESS dated XX/XX/XXXX. 

I have called and sent multiple letters complaining about this and these bureaus continue to violate consumer laws as per the Fair Credit Reporting Act : 15 USC 1681i ( 5 ), USC 1681b ( 1 ), 15 USC 1681 - Right to privacy. and 15 USC 1681s-2 - Furnishing consumer information after reasonable cause to believe that said information is inaccurate. Section ( B ) - Reporting information after notice and confirmation of errors. Subsection ( i ) and ( ii )- Being notified by the consumer and that the information is in fact, inaccurate.

These credit reporting agencies are a disgrace for constantly reporting inaccurate consumer information and manipulating the FICO score by both antiquated algorithms and unproving AI technology.
Product: Debt collection

According to my Credit Report the following : PORTFOLIO RECOVERY Last reported XX/XX/XXXX {$1800.00} Open balance XXXX XXXX XXXX XXXX Original creditor Debt not owed. Reported account to XXXX in XXXX as stolen
Product: Payday loan, title loan, or personal loan

Earlier this XXXX. We took out an Affirm.com ( Payday ) Installment loan. The problem was goods never received. So I called the merchant & Affirm.com. To Cancel & Refund the Loan. Reason : Items never received.! Now Affirm is try to tell me the merchant never repaid the entire balance. Therefore I am responsible.? Can you assist. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent XXXX, XXXX, And TransUnion Disputes and Neither of them responded to my request which forced me to send them a 30 day demand to comply and they have not still shown any acknowledgment of me contacting them I have attached the letters I recently sent to the companies for reporting inaccurate information in my credit report and not removing the inaccurate information.