23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  : XXXX XXXX XXXX via XXXX Credit Bureau, has violated my rights. 
XXXX XXXX  : XXXX XXXX, has violated my rights. 
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 an account without any written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the reports 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: Debt collection

Delete this account immediately XXXX XXXX XXXX XXXX XXXX XXXX - I demand {$1000.00} for each vilolation listed and found on this report. delete and pay fcra penalties immediately. Additional damages will be added otherwise. Balance missing information ( FCRA violation {$1000.00} ) Balance updated - missing information - ( FCRA violation {$1000.00} ) Recent payment - missing information ( FCRA violation {$1000.00} ) Monthly payment - missing information ( FCRA violation {$1000.00} ) Original balance - missing information ( FCRA violation {$1000.00} ) Highest balance - missing information ( FCRA violation {$1000.00} ) This account has been disputed 6 times yet this account has never been marked has disputed Report # XXXX. ( FCRA violation {$1000.00} ) If this account was paid and closed why was is this reported as collections? Delete immediately XXXX account reported as a negative item. 
What is the closed date? Why is this information missing this is a violation ( FCRA violation {$1000.00} ) How much was paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In fact where is the entire payment history for the year XXXX XXXX. Im sure Experian has this information being that Experian follows the FCRA laws and ensures maximum accuracy and completeness. Please update this account or delete immediately.
Product: Debt collection

On XX/XX/2022 I received notice from my company that {$600.00} will be garnished from my wages and will continue to be taken until {$16000.00} is paid off. This was the first time i herd of such a debt, i had never received any previous contact or information regarding this debt priory to this date. The companies involved were Chase originally and now being handled by XXXX XXXX XXXX. I have purchased Cars previously and this has never come up on my credit report.
Product: Credit reporting or other personal consumer reports

I am a co-signer on a loan payable by my grandson, XXXX XXXX XXXX. In a letter dated XX/XX/year> that was received on or about XXXX, XXXX, XXXX  I was notified by NBT Bank, N.A. that that payments on the loan were pass due. In a call to the NBT Bank Consumer Collection Department on XX/XX/year>, XXXX informed me that XXXX did not make his XXXX and XXXX payments. This data conflicted with the information NBT file with XXXX which indicated that XXXX made the XXXX payment. 
On XX/XX/year>, I paid the loan off in full. Beginning XX/XX/year>, I start receiving notices that my credit rating has fallen by over XXXX points due to a loan payment 30 days past due. On XX/XX/year>, I contacted NBT Consumer Collection Department and talked to XXXX regarding the credit report. She stated that the bank would not correct the issue regardless of the timing issue. 
I request that NBT Bank, N.A., be required to correct their filling on a late payment with all the credit bureaus. 
XXXX. Insufficient notice and time to correct late payment : According to an XXXX credit check the XXXX payment was reported to be made. Furthermore, the XXXX late payment notice was sent in a letter date XX/XX/XXXX which led into a holiday. According to the notice I had until XX/XX/XXXX to act which I did. 
XXXX. To resolve the current payment problem, prevent future problems, and to protect my credit rating the loan was paid in full on XX/XX/year>. 
XXXX. The filing of the past due notice with the credit agencies was premature and caused unjustified harm to my credit rating. 
4. The timing of the drop in credit rating notices resulting from NBT 30 days past due notice sent to them is not only unjustified but appears to be intentionally hostile, retaliatory, and discriminatory.
Product: Debt collection

This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX and XXXX The collection Agency XXXX XXXX XXXX on which is located on XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly. They have also violated the following laws. 

- 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$20000.00} for violations of the FDCPA.
Product: Debt collection

Company sent out a letter which did not include the mini miranda or my right to dispute.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an e-mail from XXXX and a text message from the number XXXX saying that they received my application for the internship with XXXX XXXX XXXX, which I applied to on XXXX, which is owned by XXXX, and they sent me a link to one of their workers, XXXX XXXX on the app " Wire ''. I was suppose to make an account and message her then I'm an applicant for the internship. I added her by looking up the email they sent me, " XXXX ''. Then once she added me we began talking about the internship and the interview that is about to happen. She then sent me a list of questions regarding statistics, data and programming that seemed very specific, which added to the legitimacy. I answered all of them and moments later she told me I was accepted to the internship with XXXX XXXX XXXX. She then sent me a message that the contract will be emailed to me and that I am to send it back signed, the document they sent is attached below. After sending it back they started talking about training materials and how they're going to send the money to me and that I am to send it to a vendor that will purchase it. At this point I'm suspicious because it was all online and I didn't even talk to them through the phone yet, but I'm assured the internship is fine due to XXXX being a big and respectable company and the internship being found on it so they have to had checked and reviewed to see if the internship is legit. So they sent me a check for {$1800.00}, which is also attached below, and I mobile deposited it into my XXXX  XXXX XXXX account. Once I did it and it got returned, XXXX told me that the account they put the money in for that check was used to pay off other members. Then they asked me to use my Chase bank, once I got the new check for {$3800.00}, they told me to mobile deposited into my bank account, which I did. They then told me to wire transfer {$3400.00} to the vendor, which I did. Then later in the day, this was on XX/XX/2018. I got a message from Chase saying the check was fraudulent, the wire transfer was cancelled and that my account with Chase is in review. I messaged XXXX about it and she asked for my account number, I said that it isn't available due to my account being suspended. Two days later on XX/XX/XXXX, I called Chase and they told me to come to the branch, I was then told that my account would be closed and that I would be marked on my credit report for fraud in the next few weeks.
Product: Debt collection

I received a call from a supposedly litigation company called XXXX XXXX XXXX XXXX claiming to represent a company called Data Check XXXX. They said the were calling about supposed bounced check for XXXX to XXXX XXXX from XXXX. They said with late fees I owed over XXXX and I needed to pay today or they were going to take legal actions to garnish my wages. I said it was absurd and the said they could reduce the amount to a little over XXXX. I believe this is a scam. Statue for bounced check is XXXX years according to info that I researched. This is XXXX old. I don't even know if a check really bounced. I will take my chances!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a federal Perkins student loan go into default as I missed seven payments, when I was away for a military school that I thought I had organized all of my payments before I left in XXXX. The late payments are reported on the balance history as is the status of it going to collections. When talking to the lender ; even though it did go into default, it never went to collections. The collections coordinator ( XXXX XXXX ) of the university ( XXXX University ) had explained that even though it was reported as an accelerated account to her by the student billing service ( XXXX XXXX ), she did not place it into collections as she explained to me in an email that, " I do not immediately place accelerated accounts in collections ; I hold off for approximately 30 days in hopes that we can still settle the account. As was the case in your situation. '' It was reported under collections in XX/XX/XXXX, and back in XXXX/XX/XX/XXXX as well. When it was reported under collections this past late summer, that is when my credit score took a hit. After making disputes against this with XXXX and the loan billing servicer, the collection reporting under the balance history was only pushed right to XXXX/XX/XX/XXXX, still being reported in XX/XX/XXXX as well. It now shows " No-data '' from XX/XX/XXXX to XX/XX/XXXX. When I immediately found out about this loan, I had paid it all off in XX/XX/XXXX. I have paperwork from the university and billing service company that states I am good status and was paid off in XX/XX/XXXX. I disputed multiple times with XXXX both online and over the phone while also supplying the correct paperwork these past two months, and it shows it being " updated '' but no information has been changed in terms of the removing of it being reported as " collection ''. If there is more information that is needed or supporting documents, I would be more than happy to supply them, but I just do not understand why XXXX can not change the incorrect information that I explained to them with proof.
Product: Debt collection

I am writing to convey my deep annoyance and dissatisfaction with how your bureau has managed my identity theft disputes. Despite my repeated attempts to resolve this issue, I have encountered a frustrating lack of responsiveness and action from your side. 
As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. 

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. 

What adds to my frustration and disappointment is the bureau 's apparent failure to recognize the seriousness of my situation. Despite providing substantial evidence of identity theft, it seems that my case has been either overlooked or deemed unimportant. This has left me feeling disregarded and powerless in a matter that has profoundly impacted my life XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I implore your bureau to take immediate and comprehensive action concerning my identity theft disputes. I insist that you prioritize my case, conduct a thorough investigation, and expeditiously remove the fraudulent accounts and transactions from my credit report. I also request a clearly defined timeline for resolution and regular updates on the progress of my dispute. 

As a consumer, I believe it is my right to have my concerns addressed promptly and diligently. Should your bureau fail to provide a satisfactory response within a reasonable timeframe, I am fully prepared to seek legal counsel and escalate this matter to the appropriate regulatory authorities to ensure that justice is served.
Product: Debt collection

A collection from an apartment complex sent a bill to collections under my information. Which is not mines at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$9600.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following items on my credit report. These items are inaccurate, and I am requesting that they be investigated and corrected or removed as soon as possible. Additionally, I request the removal of all closed accounts that have been in the system for more than XXXX  years. 

Disputed Items : Account Name : XXXX XXXX Account Number : XXXX Balance : {$5300.00} Status : Past due account Reason for Dispute : I have made consistent payments and the past due status is incorrect. Please update this to reflect my timely payments. 
Account Name : XXXX XXXX Account Number : XXXX Balance : {$8300.00} Status : {$490.00} past due as of XX/XX/XXXX Reason for Dispute : The past due amount is inaccurate. I have made all required payments on time. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$220.00} Status : Past due account Reason for Dispute : The payment history does not reflect my timely payments. Please correct this error. 
Removal of Closed Accounts Over XXXX  Years Old : I request the removal of all closed accounts that are more than XXXX XXXX XXXX from my credit report. These accounts include but are not limited to any closed accounts prior to XXXX. 

Attached are copies of my credit report, along with documentation supporting my claims. Please conduct a thorough investigation and correct these errors promptly. 

Thank you for your attention to this matter. Please confirm receipt of this letter and inform me of the results of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Once again, Nationstar Mortgage DBA Mr. Cooper has misapplied my monthly mortgage payment. I pay extra every month so that I can get the mortgage paid quicker, however, Nationstar has a habit of applying the extra payment to my next month 's payment and advancing the due date instead of doing what is clearly stated in the payment instructions on their website, which is to just pay extra to the principal. I have had this corrected by Nationastar in the past, however, it seems as though it is policy on their part to continue to misapply payments in an effort get extra interest income instead of correctly applying the payment. Granted, they generally do fix the problem, but only if they are called out on their mistake. The CFPG should verify whether I am the only person they are doing this to or if there are others as well. I have attached a history of my loan showing the mistake they made on XX/XX/2020 and the previous mistake that they corrected from XX/XX/2020. The same error was made both times, the misapplication of my payment by advancing the due date, when I wanted the additional funds to go to principal only. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX DE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have a mortgage that is serviced by Ditech Financial LLC on a property I own in Connecticut. In the entire history of this loan, I have never missed a payment or even been late on one. I received a letter dated XX/XX/2018 from a collection agency alleging that Ditech had not received my mortgage payment that was due by XXXX. Subsequently, I logged into my account and saw that the payment for the exact amount ( {$1400.00} ) was submitted 2 days early - and received - on XX/XX/2018. 

The payment was submitted electronically. However, Ditech misallocated the payment, directing the entirety of the proceeds towards principal. This is not how I had arranged the payment, through their own system. 

To make matters worse, they opted to refer the matter directly to a collection agency and applied a late fee to my account. 

This is easily the 5th time I have had this issue arise with Ditech, and I am beyond tired of having to spend my time pointing out errors of their own creation that have a meaningful effect on me.
Product: Credit reporting or other personal consumer reports

I have a credit card with XXXX XXXX and had some unauthorized transactions made on his account. I contacted XXXX XXXX concerning these transactions and was told to submit a police report and they would investigate the issue. After they investigated the issue I was told that the transactions were made by me without any justification or evidence. Please refund the {$850.00} in fraud transactions based on the police report, witness statements, and recorded phone calls to XXXX XXXX reporting the fraud.