23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We had leased phones from XXXX/CIT Finance LLC located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX on XX/XX/XXXX. 
We were always in good payment standing. In XX/XX/XXXX, we downsized from our storefront XXXX XXXX to a 5th-floor space. We also downsized our employee force to meet ends. When we interrogated the new leasing agents for the phone installation, they informed us that their building did not have wired phones but only digital phone connections. I went back and told the company to take the phones back and cancel my account. They keep insisting that I have to pay for 60 months. It clearly says, the XXXX, CIT Finance LLC are authorized to purchase the equipment but they told me they can not. I see it clearly mentioned in the contract. I went to their legal department to cancel this account and take the phones back, they informed me that the only time they will do that when you business structure has changed. I told them, my business structure did change. I downsized and the new building and ALSO does not support wired phones from CIT. All of a sudden, they said that is not enough reason to cancel the account. 
I have already paid {$2900.00} for 34 months until XX/XX/XXXX. The original lease was 60 months at {$86.00}. They invoiced me for another $ XXXX-Total buyout with equipment keep. 

This is not fair. They need to take the equipment back. 
Kindly resolve this matter as we do not need the phones and we paid them enough already. This contract and terms are very ambiguous. 
Best, XXXX XXXX XXXX XXXX XXXX Tax ID # XXXX New Address-XXXX XXXX XXXX XXXX, NY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$670.00} XXXX  XXXX  XXXX {$530.00} XXXX  XXXX  XXXX {$3300.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$210.00} XXXX  XXXX  XXXX {$940.00} XXXX  XXXX {$10000.00} XXXX  XXXX XXXX {$530.00} XXXX.XXXX  XXXX {$12000.00} XXXX XXXX {$98.00} XXXX XXXX   XXXX  XXXX {$40000.00}
Product: Mortgage

On XX/XX/XXXX I Fax Seterus a letter requesting an explanation of the PMI. My loan was with XXXX before it got transfer to Seterus on XX/XX/XXXX. When I was with XXXX I never paid for a PMI everything was included in my escrow. Few months after my loan was transfer to Seterus they started to charge me a PMI sinceXX/XX/XXXX. I have not received any explanation yet from Seterus. How is this possible that after my loan got transfer Seterus decided to place a PMI. When I enquirer the loan with XXXX my investor XXXX XXXX did not request a PMI. Because I would of had it in writing and is not. This is also one of the main reasons I have not being able to take any trial offer, because of the PMI my payment increases more then what I was paying before I started to fall behind on my mortgage. Please help me to get a detail explanation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank failed to disclose that by applying for a line of credit with them they can pull other credit reporting agencies without disclosing a list of possible credit reporting agencies they will use. The CFPB has over 100 or more documented credit reporting agencies for 2017. As a consumer I was only aware of Comenity Bank pulling one of the three major credit reporting agencies to obtain a line of credit with them. However, they failed to disclose that they can access any of the 100s of Credit Reporting agencies available to them without disclosing this information to me as a consumer. I requested that they use my XXXX hard pull or remove it but they instead sent me a letter stating they tried to also pull my XXXX report which I have frozen with a security pin due to identity theft that recently happened to me. I requested they could access my XXXX with my security pin or remove the XXXX Hard pull due to failing to provide that they can pull any of the 100 available credit reporting agencies that are listed from the CFPB. Which to me is dishonest and doing business in bad faith. Why? Because a consumer is not aware of the fact that multiple inquires from up to 100 credit reporting agencies is accessible to Comenity bank to make a decision simply for a store card seems to be illegal in my opinion. How can Comenity Bank do this? Run multiple inquires, fail to list the credit reporting agencies they use since there are 100s of Credit reporting agencies based upon the CFPB lastest updates? How is this legal!
Product: Credit reporting or other personal consumer reports

I have been disputing the inaccurate information about my student loans, since XXXX and XX/XX/year>. 
I have filed two CFPB complaints XXXX and XXXX. I have also filed a complaint with the Illinois State Attorney XXXX. 

I have asked TransUnion to verify the information they are reporting is inaccurate and they refuse. I have given TransUnion an original copy of the document of what needs to change. TransUnion has blocked me from getting an annual report online. I have reached out to the following companies, 1. I have provided copies of all my student loan documents showing they have been forgiven under the PSLF, They have not verified the information with the Department of Education 2. I reached out to the Furshier ( XXXX XXXX ) they returned the letter no response from TransUnion 3. I reached out to the courts asking if TransUnion verified the accounts, and they stated no one reached out and they do not report information to the credit agency.

4. TransUnion reports information without verifying the information the other two agencies have changed the student loans after three letters to them and a letter from the State Attorney 's office.
Product: Debt collection

I received a letter from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX, dated XXXX and received XXXX ; saying I owed XXXXXXXX XXXX XXXX XXXXXXXX {$930.00}. XXXX, which they would reduce to {$460.00}. It looks like an energy bill? I don't know this company, I have never lived in Texas. I did not respond, wondering if this was a scam.
Product: Debt collection

I am not aware of this account being opened. There were no attempts of communication prior to me seeing this collection pop up on my credit report which is how I became aware of the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has vi olated 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: Mortgage

I have requested that escrow not be held on my loan. I filed the request on XX/XX/XXXX and have yet to receive an answer. I have called at least 4 times without success. I have been told today that my request was denied on XX/XX/XXXX, but I haven't been notified. 

I was also told today that I must meet the following requirements for escrow to be waived : - LTV of 80 % ( I originally put 30 % down ) - no delinquencies on my account ( the customer service rep I spoke with confirmed that there were none ) - no loan modifications ( there have been none ) - no previous defaults of escrow accounts ( there have been none ) In spite of trying to clarify these points, my customer service rep was told by her supervisor to stop helping me as this request was denied. As I have no notification of that, I have requested the denial in writing. I was told that I need to file a complaint that I hadn't received an answer to receive an answer. This seems very unethical to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX  Date of Inquiry : XX/XX/XXXX XXXX/XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to remove : XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, this is ridiculous!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment within Grace Period : The reported 30-day late payment is inaccurate because my records show that the payment was made on time, well within the creditors 15-day grace period. Therefore, reporting a 30-day late payment is incorrect.

Clerical Error : Upon review of my account, I identified a clerical error where a payment was incorrectly applied to a different due date, causing the late payment report. Documentation from my financial institution shows the payment was processed on time.

Evidence Provided : I have attached bank statements and transaction records confirming the timely payments, which prove that no late payment occurred. Additionally, the creditor failed to notify me of any delinquency, which is a required step before reporting a late payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX XXXX : XX/XX/1982 To Whom This May Concern, Hope your day is well. Please remove my extended fraud alert from my Experian credit report. I was a mistake and I wish to have it removed. 

Thank You, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I initiated a formal request for documentation to both verify and validate the alleged debt for account # XXXX. Despite the considerable time elapsed since my initial request, I have not received any documentation containing the comprehensive information I stipulated. Specifically, I require documentation bearing all the requested information, including my wet ink signature alongside the purchasing agreement. Additionally, the certified mail receipt bearing my signature must be provided promptly. 

I must emphasize that as per the legal precedent set forth by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), it is unequivocally mandated that debt collectors furnish verification of the debt upon the consumer 's request. Regrettably, XXXX XXXX XXXX XXXX has failed to adhere to this obligation. This egregious oversight constitutes a flagrant violation of the Fair Debt Collection Practices Act ( FDCPA ), as outlined in 12 CFR 1006.18. 

Furthermore, despite inaccurately reporting to Equifax that this information has been disputed, XXXX XXXX XXXX XXXX has failed to furnish any accompanying documentation, thus perpetuating falsehoods, deception, and misleading information. This egregious conduct not only violates statutory regulations but also undermines the integrity of credit reporting systems. 

I demand immediate rectification of this matter. Failure to provide the requisite documentation within a reasonable timeframe will compel me to pursue legal recourse, which may include seeking damages up to {$2000.00}, as stipulated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX aoount number 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 customer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, 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: Debt collection

I received a call today from a male trying to verify my information. When I asked where he was calling from, he refused to tell me unless I confirmed my address. I asked him again where he was calling from but wouldnt tell me claiming he was trying to tell me if I confirmed my address. He refused to tell me so I demanded that he cease and desist immediately. However, he kept pressing for my information and I hung up on him. I called the number back and another gentleman answered the phone and didnt disclose any recording like the first guy did and he did not announce the name of the company. So I asked him what the name of the company is and he told me this company. Then the guy stated someone already removed your number, I dont know why you called back. Seriously?! I then advised him that the reason I called Back was because the last guy refused to give me the name of the company. I was hoping to get someone who actually liked their job but by the way my interaction went with the two males, its evident that they both hate their job or they are being trained to refuse any information being trained to violate their consumers rights. Which leads me to believe that this company is a scam. 

I dont know why this company is calling me. All the scams out and I would think that any legitimate company would have to advise where they are calling from, especially if youre calling someone and asking for them to confirm their personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a missed payment before on my XXXX XXXX   Card but I faced some financial hardship due to a sick child and fell a payment behind. I called to ask about hardship assistance and was enrolled in a hardship program that closed my account but would help me pay off the card. 

I asked numerous times if I would be reported as delinquent by XXXX XXXX  after enrolling in this program. I was told that I would not be reported as delinquent and that my balance would now only have a rate of 0 % and a 60-month payment plan. The only thing that would be reported to the credit bureaus as long as I made my monthly payments on time while in the program is that the account was closed. 

A month later I get a report that XXXX XXXX  has been reporting me every month since the program began as deliquent due to a past due payment when I enrolled. I was told this would be rolled into the balance due and the program, instead it remained as separate delinquency and each of my payments to the program went towards it making every payment late. 

I filed a complaint and the call was reviewed and I was told that the representative did provide inaccurate information to me but there was nothing the woman I spoke to could do to remove the late reports I needed to submit a dispute to another department and was given an address despite XXXX XXXX  confirming they were in the wrong. 

I have yet to hear any response from XXXX XXXX in regard to my letter or dispute and they have not updated my status with the credit bureaus. 

The reference number for the call with the department who reviewed it is # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am a consumer as defined under 15 usc 1602 ( i ) and " On XX/XX/2023, I applied online for a line of credit. XXXX which is issued by Wells Fargo , N.A., pursuant to a license from XXXX XXXX immediately denied an extension of my credit. This is XXXX violation of ECOA/Regulation B, by denying me and further discouraging me from applying for an extension of my credit. '' In good faith Without Prejudice By : XXXX XXXX XXXX
Product: Student loan

My loan was serviced by XXXX. I applied for, and qualified for, the law enforcement cancelation for my Perkins loan. I am an attorney working for the XXXX XXXX  Staff of the California Supreme Court. My sole responsibilities are to review, conduct research for, and assist the judges in criminal death penalty appeals. My loan was transferred to XXXX XXXX I applied again for the cancelation and was notified on XX/XX/XXXX, that my claim was denied because they state I did not qualify. The terms as posted on their website at XXXX XXXX XXXX state : " To establish the eligibility of a borrower for the law enforcement or corrections officer cancellation provision, the school must determine that ( 1 ) the borrowers employing agency is eligible and that ( 2 ) the borrowers position is essential to the agencys primary mission.

1. A local, state, or federal agency is an eligible employing agency if it is publicly funded and its activities pertain to crime prevention, control, or reduction or to the enforcement of the criminal law. Such activities include, but are not limited to, police efforts to prevent, control, or reduce crime or to apprehend criminals ; activities of courts and related agencies having criminal jurisdiction ; activities of corrections, probation, or parole authorities ; and problems relating to the prevention, control, or reduction of juvenile delinquency or narcotic addiction.

Agencies that are primarily responsible for enforcement of civil, regulatory, or administrative laws are ineligible. However, in recognition of the fact that the activities of many divisions and bureaus within local, state, and federal agencies pertain to crime prevention, control, or reduction, or to the enforcement of criminal law, the Department has determined that a sub-unit within a larger, non-law enforcement agency may qualify as a law enforcement agency for purposes of a law enforcement cancellation.

2. For the borrowers position to be considered essential to the agencys primary mission, he or she must be a full-time employee of an eligible agency and a sworn law enforcement or corrections officer or person whose principal responsibilities are unique to the criminal justice system and are essential in the performance of the agencys primary '' Specifically : " activities of courts and related agencies having criminal jurisdiction. '' I contacted Heartland several times the week of XX/XX/XXXX. I was told by the representatives that I did not qualify. I requested to speak with a supervisor and was told on Wednesday XX/XX/XXXX I would receive a call in 48-72 hours. On XX/XX/XXXX I had still not received a call and contacted Heartland again, I was told I would receive a call by XXXX  est. At XXXX  est I had not received a call and again contacted Heartland. I was told that an attempt to make a call was made at XXXX  and the caller received a busy signal. I was not on the phone at that time. Furthermore, the number was a cell phone which has call waiting, so they should not have received a busy signal, at worst a voicemail. I was then told that I would have to wait another 24-48 hours. I am still waiting for that call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft for quite some time now. I have Unauthorized inquiries that need to be removed. Please help me with this matter. I've been fighting for some time now. I haven't had an auto loan in years, maybe 9-10 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX  account for {$4000.00}. Someone used my name and I paid for it 10 plus years ago. Its needs to fall off my credit report
Product: Debt collection

I cancelled my account due to relocation and just received a bill from collection agency that I owed XXXX XXXX {$290.00} when I have not been using their services for 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a copy of my state 's driver 's license and social security card to the agency to verify my identity and to remove incorrect addresses. I am submitting this complaint due to the lack of investigation of my original dispute of incorrect identifying information. I didn't sign for anything this is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. 
According to section 609 of the Fair Credit Reporting Act ALL information this is reported to credit reporting agencies should bee 100 % ACCURATE. Please deleted any old address that on my credit report. 
You also have XXXX XXXX account on my credit report. I dispute that this account is mine. I have sign no contract with this company. What are you using to verity that account is mine. I am requesting that you deleted account of my credit report.