23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Unauthorized transactions from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.. I had my account being opened and going to the teller to deposit and withdrawal money from only the bank teller I notice that my card was lost in the last min but as soon as I checked and review my Santander account there was money missing from the time frame of 2 in a half month.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AK XXXX ; XXXX XXXX XXXX XXXX XXXX WV XXXX ; XXXX XXXX Balance : {$98.00} ; XXXX XXXXR XXXX Balance : {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6100.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Two addresses appeared on my background check that are not addresses that I lived at ever or was associated financially. These addresses are associated with my ex-husband, XXXX XXXX, after our separation/divorce. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Neither of these addresses should be associated with me. I never lived there or had financial connection to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY INFORMATION : PORTFOLIO RECOVERY ASSOCIATES INC INVOLVEMENT : Debt Collector ACCOUNT NUMBER : XXXX COMPANY INFORMATION : XXXX XXXX XXXX XXXX : Original creditor ACCOUNT NUMBER : XXXX My latest credit report shows two companies on my credit report PORTFOLIO RECOVERY ASSOCIATES INC the debt collector and XXXX XXXX the original creditor. 

I ask that the follow debt reporting be removed immediately from my credit file for false statement/ representation ( trying to collect wrong amount, attempts to collect debt not owed ( debt was, discharged in bankruptcy ) on my XXXX XXXX credit report XXXX 

o Original creditor XXXX XXXX XXXX XXXX Balance : {$1100.00} Sold to creditor : PORTFOLIO RECOVERY Balance : {$1600.00}. 
Charged {$480.00} more than the previous balance from original creditor XXXX XXXX o Invalid date of delinquency statements sent by PORTFOLIO RECOVERY only shown late payments/interests accruing not first delinquency. 

o XXXX XXXX XXXX account sold to PORTFOLIO RECOVERY account opened XXXX XXXX XXXX XXXX XXXX XXXX. During the first quarter of XXXX, The XXXX announced it would be closing 42 stores in 14 states, in addition to five stores previously announced. [ 15 ] However, it was not enough to save the company from its large debt. [ XXXX ] On XXXX XXXX XXXX XXXX XXXX revealed it had failed to pay {$14.00} XXXX in interest that had been due XX/XX/XXXX. The company entered into a grace period with its lenders. Analysis from XXXX XXXX XXXX 's downgraded the company into selective default, and predicted a bankruptcy or out-of-court restructuring at the conclusion of the grace period. [ XXXX ] [ XXXX ] In XX/XX/XXXX, The XXXX XXXX XXXX XXXX for XXXX XXXXXXXX bankruptcy protection. The company had not made an annual profit since XXXX. [ XXXX ] On XX/XX/XXXX, it was announced that Washington XXXX XXXX and XXXX XXXX XXXX would bid to save XXXX from bankruptcy. On XX/XX/XXXX, however, the plans fell through because the court ruled the company would not be able to pay a {$500000.00} " work fee ''. [ XXXX ] On XX/XX/XXXX, The XXXX announced it would liquidate all 267 stores after The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX for the retailer and after converting its XXXX  XXXX bankruptcy to XXXX  XXXX. They acquired the inventory and other assets of the company and sold it all off. [ XXXX ] On XX/XX/XXXX, XXXX XXXX XXXX said all Pennsylvania locations were officially closed, and buildings would be vacated by the next day. [ XXXX ] XXXX. I shouldn't owe a debt to a company that has closed all physical locations, filed bankruptcy, and liquidated all assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to this agency asking for their method of verification for bankruptcies on my credit file. The company continues to respond that they are investigating my dispute. This is not a dispute! Im asking for the method used in verifying the information and the name of the furnisher of the information that they are reporting. They have previously stated that the information was provided by the bankruptcy court or XXXX XXXX. I have yet to get a direct answer from this bureau as to how they are verifying the information. I have documentation from the bankruptcy court that they do not supply bankruptcy information to the credit bureaus. Therefore, to say that they verified any information with the bankruptcy court is not true. I also followed up with XXXX XXXX and the information they have is also not matching up with the credit bureau report. I have attached these documents for the credit bureau to review each time. Yet they continue to state they are investigating my dispute. This is NOT a dispute and should not be treated as one. I want the direct method they are using for verification and the name of the direct furnisher of the information because its not the bankruptcy court or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

The Privacy Rule protects a consumer 's " nonpublic personal information '' ( NPI ). NPI is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available. '' The Gramm-Leach-Bliley Act ( GLBA ) of 1999 protects consumers ' financial privacy by limiting when financial institutions can share nonpublic personal information ( NPI ) with nonaffiliated third parties. NPI includes : Personally identifiable financial information provided by a consumer Information from a transaction or service performed for the consumer Other information obtained by the financial institution The Gramm-Leach-Bliley Act ( GLBA ) has several penalties for noncompliance, including fines, imprisonment, and license revocation : Financial institutions : Can be fined up to {$100000.00} per violation Directors and officers : Can be fined up to {$10000.00} per violation and held personally liable Individuals : Can be fined up to {$10000.00} per violation and sentenced to up to XXXX years in prison Licenses : Can be revoked
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( XXXX ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - SELF EMPLOYED Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, XXXX Employer - XXXX XXXXY Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Mortgage

I filed a complaint about Truist refusal to use the information provided to them from my tax and insurance statements mailed to them instead of continuously underestimating the escrow for taxes and insurance in order to increase the amount of my mortgage payment. They readjusted the payment amount after the complaint but have now restarted underestimating the escrow again. My payment per month has increased {$200.00} a month. 
This month when I sent the payment in, I included an extra payment of {$200.00} on the escrow. Even though I have used the online payment for years and only have 1 account for them to draft from, they are now saying that I used a closed account and are charging me {$35.00} insufficient funds for the mortgage and the escrow payments. This payment source is the same one I have used for years. I contacted the XXXX XXXX XXXX XXXX and they informed me that Truist did not draft the account.
Product: Credit reporting or other personal consumer reports

Im reaching out for help regarding an issue Ive been dealing with for a while now. My XXXX card ( account number : XXXX XXXX XXXX ) was opened in my name back on XX/XX/XXXX, but in XX/XX/XXXX, I found out that it was involved in identity theft. 

Since then, Ive been trying to get the account closed and removed from my credit reports, but nothing has worked. Ive contacted both XXXX and Equifax, and they keep telling me the account is verified, even though its fraudulent. Ive also called XXXX and explained the situation, but I havent had any luck getting it resolved. 

I really need help with this. I just want the account closed and removed from my reports, but no matter what Ive tried, its not happening. Could you please assist me in getting this taken care of? I have filed another identity theft report as well. 

Thank you so much for your time and help. I really appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent via mail, fax, site upload the required documents to block a fraudulent account on all my credit reports and neither bureau will follow rules and remove the information. This is a serious matter that needs attention immediately.
Product: Debt collection

Hello my name is XXXX XXXX and I received a letter in the mail approximately a week ago saying that I owed a debt of {$510.00} to the MONTGOMERY WARDS-DMS. Never in my life have I shopped or heard of this store, let me registered for anything that would ensure me a debt to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One ran my credit without asking for identification verification, and will not look into this inquiry unless I send hard copy documents into them via mail. They're in the wrong and make it difficult to fix
Product: Payday loan, title loan, personal loan, or advance loan

I made a loan to Wells Fargo Bank on XX/XX/year> for XXXX XXXX dollars and I did not understand the interest well because my XXXX is not very fluent and I came to realize that the interest is 17.74 % Monthly with APR In other words, everything is being paid with interest and not with capital. I spoke with the bank and told them if I could refinance now and they told me no.
Product: Debt collection

I called to speak with them, I told them I wasnt able to pay what they were asking at the time and they said it would negatively effect my credit if I didnt pay. I ended up paying in full.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have contacted the credit reporting agencies and them know the inquires that are listed on my report in the document i have included below are not suppose to be listed on my consumer report. I am highly concerned and frustrated that it is listed. I have not gave anyone permission or consent to report them.
Product: Mortgage

Both of our mortgages were sold to Green Tree Servicing , LLC by XXXX XXXX XXXX. XXXX were the original mortgage lenders. Both mortgages # XXXX and XXXX, are in foreclosures status. We are trying to work out an amicable and achievable modifications for both. On XX/XX/XXXX, I received a call from Green Tree, rep, XXXX regarding account # XXXX. He proceeded to inform me that I was missing some documents and missing info on XXXX form. He was very rude, derogatory and belittling. His tone was offensive. I finally requested that he does not call me anymore. My husband and I already feel bad about being in this position. We are not criminals, which was how XXXX was conducting our conversation. When I told him that he lacks customer service skills, he proceeded to inform me that he 's a debt collector, he implied that he operates under a different set of rules. Are debt collectors allowed to demean and 'bully ' their clients??? 
I would like both of our mortgages to be sold to another mortgage lender before re-modifying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently sent 3 certified letters since XX/XX/XXXX-XX/XX/XXXX to all 3 credit agencys to delete accounts ( listed below ). They continue to say they verified the accounts, but never told me who they verified the accounts with, no contracts showing the accounts are mine, nor signatures. Also usually is over 30 days for a response, which is against the law of the FCRA. Please delete Accounts listed below XXXX- ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) XXXX- ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX ) Equifax- ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX  # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

I filed a complaint previously XXXX. This is a new complaint. I was told that my loan modification was being reconsidered and the application was showing as active on my account but then on the same day my Mr. Cooper online account showed " Your Loan Modification Has Been Rejected ''. I also sent a screenshot to the email address Mr. Cooper provided. I was told by XXXX, XXXX, and XXXX that my loan modification was approved. But my account for the last few days shows the loan modification as rejected. XXXX took a payment over the phone for {$500.00} as part of my last trial phase payment but my account is showing that I still owe {$96.00}. If I don't pay this I will be marked as late. If I do pay it and if my account actually still is in the Trial Phase, my loan modification will be rejected because I paid more than the {$500.00}. I also tried calling the manager XXXX XXXX several times. I left messages. On Monday XX/XX/ I will be having major XXXX so I won't be home to answer any calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled with four credit card companies, Im was told that all payments needed to be in there office on or before XXXX XXXX. I was also told that after receiving payment in certified funds that they would request to have the account removed from my credit report. 
I purchased money orders for the said amounts and sent them out well before XX/XX/XXXX, on XX/XX/XXXX I received a credit alert. So I retrieved my report and noticed that the amount that I had paid ( not all of them ) was reported to the bureau but still showed a balance. I contacted the creditors and asked them why. I was told that they could do what ever they want. Plus it would take 60 days before anything would reflect on my report an they dont have to give me any indication when the process will finish.
Product: Debt collection

I know I owe a debt but one company calls me 20 times in a day I have put a call blocker on my phone but they call from different numbers. I counted they called me 19 times yesterday XXXX/XXXX/16 from XXXX to XXXX. I do n't sleep well and it always vibrates once and wakes me up.
Product: Debt collection

I am turning to your company for help because I have done everything I feel I possibly can in reference to an account from XXXX XXXX that continuously reports on my credit file. I have disputed with the bureaus directly and also requested information from Midland. The account number listed on that item is XXXX and I have asked for validation on several occasions and they only send me a form letter indicating that the account is showing in dispute. I have attached a copy of the correspondences they have sent numinous times and nothing more. I want to see the pay history it may be past the statue of limitations, the amount is n't familiar and none of this makes sense. Please if you could help me I would greatly appreciate it.
Product: Debt collection

This company was added to my credit report I don't know why they call and I tell them it's not my account and don't have any past debt with them and don't know who they are never did paper work with them
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. I must also demand certified/notarized copies of the original documentation and any contracts or documents that I may have signed. I am requesting validation, i.e., competent evidence that I had some contractual obligation with this unknown company. Please delete this account NOW! 

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

Due to me being a victim of identity theft I spoke with XXXX XXXX XXXX on XX/XX/2020, I spoke with XXXX at XXXX on XX/XX/2020, and i also spoke with XXXX at Equifax on XX/XX/2020 about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my XXXX credit report : Doing the trouble sometime, when acquiring funds to sustain everyday life is crucial, These unauthorized accounts has severely hindered me.
Product: Debt collection

They put a collection report on my account!! They are trying to collect money not owed, and they are circumventing state laws on interest and lending safety. They are using tribal immunity
Product: Mortgage

on XX/XX/2020, I was advised by XXXX of XXXX XXXX XXXX loan that my loan was declined due to my mortality rate. Spoke to his supervisor XXXX, about this issue and was told by her that they were allowed too. To Me, this is age discrimination