23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been unemployed from my job since XXXX XXXX, 2015 and I sent in Documentation to Navient indicating that I was let go from my job because they laid us off. NAVIENT gave me a two month deferment. SO recently I sent them a fax for an unployment request and they denied me. So unfair.
Product: Debt collection

Appx. XXXX months ago, I have requested a statement showing that I owe this debt. I advised XXXX ( XXXX ) representatives & Southwest Credit, that I would pay it in full, if there is in fact a balance. Both have advised me that there are no statements available.

This debt has been disputed XXXX  times with no resolve.
Product: Mortgage

a ) Unable to get Wells Fargo letter to support XXXX claim so falling into foreclosure b ) Need help from Wells Fargo to stop foreclosure as no letter re 'a ' above supplied. 
c ) Need help/modification from Wells Fargo to stop continuous rises in interest rates, with more due.
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINTXX/XX/XXXXL XXXX is in violation of multiple laws set forth by Congress in regards to the following account # 517805XXXXXX. 15 U.S. Code 1681 a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XX/XX/XXXXXXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XX/XX/XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agencies ( Transunion, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurateXX/XX/XXXXXXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screen shot from the IRS website. By definition, the IRS clearly says a cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XX/XX/XXXXXXXX for the cancelled debt of { { XXXX } } in order to file as ordinary income. Where is my 1099-C XX/XX/XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XX/XX/XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. TRANSUNION, XXXX, and XXXX is not affiliate of XX/XX/XXXXXXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in Federal Law. I have the right to privacy and per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization. I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have written, non written, verbal and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681 s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, in accurate. XX/XX/XXXXXXXX must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To may whom concern I have requested to all three credit bureaus my credit report, and I found inconsistencies in my reports so I asked to initiate investigations and disputes against this inconsistencies however, after the investigation state stated everything was accurate. I still went ahead and continue to investigate myself and I still see this inconsistencies on my credit report. Even after their terral research. 

In accordance with fair credit reporting act all of these inconsistencies, has violated my rights 15 U S C 1681 section 602 states that I have the right to privacy 15 15 U S C 1681 section 604 A Section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : 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

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protecrion Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my right as a consumer.
Product: Debt collection

I got a call from XXXX and XXXX I believe in XXXX from a very rude guy name XXXX regarding some alleged debt with a credit card from American Express. He wasnt able to prove to me that I owe this debt by proving an original contract or anything showing this debt was mine. He proceeds to tell me that he sent a wage garnishment to my employer which was an old employer and all this was sent without my knowledge. I wasnt concerned being that I didnt work with the company he said he sent he garnishment too and I didnt owe this debt. XXXX then says thats fine and he continues to push and tell me that I needed to pay {$350.00} on this debt or my wages would be garnished with my new employer. I state to him I dont owe anything why would I pay. He goes on and on saying what will happen so me I give in without knowing my rights and made this payment of {$350.00} to avoid my wages being garnished while I dispute the account with American Express being that this isnt my debt. Even though I made that payment in XXXX, XXXX and XXXX still sent a wage garnishment to my new employer and my wages are being garnished. I feel that this was very wrong of them and they have gotten over on me and no telling how many other people they are lying too in order to collect money. They need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES FRAUDULENTLY OBTAINED COPIES OF MY CREDIT FILE WITHOUT MY PERMISSION OR KNOWLEDGE. MY XXXX EX-HUSBAND USING MY IDENTITY TO OBTAIN LINES OF CREDIT AND THESE INQUIRIES NEED TO BE REMOVED IMMEDIATELY FROM ALL THREE CREDIT BUREAUS AND CONSUMER REPORTING AGENCIES.
Product: Checking or savings account

On XXXX XXXX the US Treasury Department issued a direct deposit to my Bank of America checking account, the bank processed the direct deposit ( s ) but the bank never posted this to my checking account. I've called multiple times Bank of America and Social Security XXXX XXXX XXXX in XXXX. SSA affirmed the deposit, affirmed on their system it was processed by the bank, thus, making it impossible to reverse the direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has a slew of inquiries on my credit report that don't belong to me and should be removed immediately ... ..I have had problems disputing these directly with the creditor and the credit reporting agency. I keep getting the run around ... .these need to be removed. 7 out of the 11 inquires should be gone! Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX/XXXX  ... ..
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed that there was fraudulent activity in my credit report
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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

On XX/XX/year> these Companies pulled my credit profile without my Authorization. This incident was reported as identity theft & should be removed from my credit profile. - XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX SERVICES XXXX XXXX XXXX XXXX XXXX XXXX SERVICES -XXXX XXXXXXXX SERVICES, XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX Theres inaccurate information on my credit Report by this account. The Dates are inaccurate with all 3 bureaus Last Verified Last Activity According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Delete this Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

Im not liable for this debt with SN Bernadino .I dont have a contract with SN Bernadino they did not provide me with original contract as I requested.

Correction to my credit report, I demand this account to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There was a data breach with the major credit reporting companies, and now I am getting all these notices of people using my account on different platforms. I need everything took an off of my credit report due to this issue.
Product: Mortgage

My name is XXXX XXXX. My property is currently in foreclosure, and we are attempting to short sale this property before then. My attorneys, XXXX XXXX, have been contacting my lender, Citizen 's Bank, since XX/XX/XXXX, yet Citizen 's Bank has not be helpful at all. Despite my representation sending in 5 total authorizations, the same authorization I signed back in early XXXX keep in mind, the bank refuses to acknowlegde my representation and will not even speak to them about the short sale. We are unable to open this account up for short sale due to this negligence. Either Citizens Bank lost the authorizations we sent in, or they simply won't recognize them. Either way, my agents have not been able to contact the lender and the foreclosure date is XXXX XXXX of this month! The longer they delay this, the more jepardy they put my property in- Not to mention that there is a lockbox on the property, locked by Citizens , that we can not open to show the property until we are given authorization. It has almost been a month of us waiting in this limbo for someone to respond and we have nothing.
Product: Checking or savings account

XX/XX/2016 an authorized check was put through my account and then my ability to make deposits was revoked. I shut down account
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft resulting from a data breach.

Unauthorized accounts have been fraudulently created in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$7700.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$2400.00}
Product: Checking or savings account

In XXXX of 2019, I took advantage of TD Bank 's promotion which offered customers that opened a savings account and deposit {$20000.00}, a {$300.00} bonus after six months. After the six month period expired, TD Bank refused to provide the {$300.00} bonus.
Product: Credit reporting or other personal consumer reports

I am writing this letter as a natural person to request the removal of a XXXX late payment from my consumer reports or the deletion of the account from XXXX XXXX XXXX XXXX accordance with my rights under 15 U.S. Code 1681a. 

On XX/XX/year>, I traded in a vehicle at a car dealership. However, unbeknownst to me, the dealership failed to pay off the trade-in at that time. As a result, there was a reported 30-day late payment on my credit report. I would like to emphasize that this late payment was not a result of my failure to make a payment on time, but rather a consequence of the dealership 's failure to fulfill their obligations.

I have diligently worked to maintain a good credit rating and have since paid off my account with XXXX XXXX in full. It is unfair and unjust for my credit rating to suffer due to circumstances beyond my control. I believe that it is the responsibility of data furnishers, such as XXXX XXXX, to accurately report information that reflects the consumer 's creditworthiness. 

I kindly request that the XXXX late payment be removed from my credit reports or that the account with XXXX XXXX be deleted to rectify this inaccurate reporting. I appreciate your attention to this matter and thank you for your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, POLICE AND FIRE FCU, XXXXXXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I am filing this complaint against Radius Global Solutions LLC regarding their attempts to collect a debt associated with XXXX XXXX ( account ending in XXXX ). Despite my request for debt validation, including but not limited to documentation of assignment or ownership of the debt, itemized account statements, and legal proof of their right to collect, Radius Global Solutions LLC has failed to comply. 
Additionally, I believe Radius Global Solutions LLC has violated the Gramm-Leach-Bliley Act ( GLBA ) under 15 USC 6801 and 15 USC 6802, which mandate the protection of my nonpublic personal information ( NPI ) and prohibit its misuse or disclosure without proper authorization. Given these obligations, I suspect my financial information may have been improperly handled or shared during this process, particularly in connection with a charged-off debt. 
Further, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. 2011 ), establishes the requirement for collectors to provide clear and complete documentation of their legal standing, which Radius Global Solutions LLC has not done. 
I respectfully request the CFPBs assistance in ensuring Radius Global Solutions LLC : 1. Produces proof of assignment or ownership of the debt, a signed original contract, itemized account statements, and an explanation of their legal right to collect this charged-off debt.

2. Demonstrates compliance with the privacy and safeguard provisions under GLBA, including ensuring that my financial information has been adequately protected and not improperly disclosed or mishandled. 
3. Ceases all collection activityincluding reporting to credit bureausuntil this matter is resolved. 
Please assist me in compelling Radius Global Solutions LLC to provide the necessary documentation or cease further collection efforts. 

Thank you...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.