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

The last week in XXXX Bank of America closed my account because of tax refund and they have not returned the remaining amount to IRS like they told me they were..It 's the holiday season and they took my hard earned money
Product: Debt collection

A XXXX XXXX XXXX called me to tell me I committed Check Fraud and threatened to take me to Jail. Says that XXXX is suing me because a {$200.00} loan that I took online went into collections and they had to pay for it. Says I would be taken to jail and I would have no bond and I wouldn't be able to speak with my family.She sounded professional enough, saying that I would have a police officer visit my home, and I better have two forms of Identification, along with other nonsense. FOR XXXX DOLLARS. Called my brother, whom he she said was my dad and called me by a name I don't even go by. Will be calling XXXX directly to get this solved. Spoke with my lawyer he says he will resolve this issue. 

Name of her " Firm '' : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Per the 1974 Privacy Act and 15 USC 6802,6803,6804 and 6805. I requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all accounts from reporting to third-party companies such as XXXX, XXXX, Transunion, XXXX XXXX and XXXX XXXX XXXX I am exercising my rights as a federally protected consumer under Fair Credit Reporting Act and related statues for consumer protection. I have yet to hear back from XXXX XXXX XXXX XXXX in regards to my request. I ask that they immediately remove all correspondence with any third-party agencies per my request and have all third-party agencies update their files per my request. I have never giving XXXX XXXX XXXX XXXX any permission to share my accounts with any third-party agencies. I uploaded the letter that was sent but never received a response to this demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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 Acct # XXXX Acct # XXXX Acct XXXX XXXX Acct # XXXX LENDING XXXX Acct XXXX XXXX XXXX BANK Acct # XXXX Acct # XXXX FINANCE Acct # All Accounts associated with this company/ XXXX XXXX XXXX XXXX  - All accounts listed with this company. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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-XXXX ( A ) ( XXXX ) 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

This debt was settled with the exact same debt collection agency yet they reinserted the debt back onto my credit report after it had been taken off. This is becoming insane.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report is showing a auto loan from Santander consumer usa for the about of {$37000.00} opened on XXXX XXXX XXXX. this account does not belong to me and I would like it removed from my account immediately
Product: Mortgage

XXXXMY LOAN CAREXXXX bought my mortgage loan from XXXX last year. Since XXXX I have been having problems with the new mortgage company. I have been making monthly payments and the mortgage company keeps saying they never received it. I called my personal bank and obtained proof that the money was in fact received by XXXX accordingly and they still stating they never did. Now they are charging me 4 months of payments and late fees. They have also reported me to credit bureau and has affected me tremendously. 

I have confirmation of each payment and proof from my bank. XXXX will not acknowledge my proofs. I don't know what else to do.
Product: Mortgage

Wells Fargo mortgage. Called 3 time no response to question on deed being transferred into a trust. 60 days without an answer. Holding up an estate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following late payments reported on the accounts..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first
Product: Credit reporting, credit repair services, or other personal consumer reports

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NOT BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT
Product: Credit reporting or other personal consumer reports

I contacted all 3 bureaus on XX/XX/2023 requesting that they remove the stated accounts but I got no response from them. 

RE : Compliance and Procedures To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file.
Product: Credit reporting or other personal consumer reports

I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act Because I am disputing this debt, you should not report it to the credit reporting agencies. I noticed some things are incomplete and not accurate .If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them them to reinvestigate these accounts because the opening date is not reporting correctly, date last active, date of correct., These accounts are not active. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. Please send updated credit report. Follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, XX/XX/2018 and XX/XX/2018, I sent written notice to XXXX   XXXX and Trans Union that they were reporting 2 Bankruptcy accounts that are not mine. I asked each repository to provide where that information came from and to delete accordingly. Only XXXX provided XXXX XXXX as being where they received the information I have subsequently reached out to XXXX XXXX and the US Bankruptcy Court and was told that neither verifies any 3rd party requests. There is no way that any repository was able to verify these accounts that are not mine as being mine since the US Bankruptcy Court does not verify this type of information to 3rd parties
Product: Student loan

i have multiple loans all combined down into two payments. Navient has misapplied funds, stated that they could n't find the bank account for autopsy, locked me out the internet site. With combined loans it 's hard for me to miss 9 payments on one loan and 2 payments on another loan. They are all paid at the same time I thought.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent and violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

this debt is listed as closed on my XXXX report but not XXXX and XXXX, further more the open date on this account is XX/XX/XXXX not XX/XX/XXXX. the original creditor violated the contract terms and took more more than was authorized on this account and then refused to credit it on the account as a double payment and then tried to show me as noncompliant and delinquent which is not only unethical but highly illegal, several attempts were made to resolve this matter but to no avail, and this is the third company in as little as 5 years to try to collect this debt. XXXX is violating federal law and the fair credit act in changing date and the amount is way off by XXXX dollars this debt is over 8 years old and is no longer valid
Product: Credit reporting or other personal consumer reports

I called the annual credit request for all three credit reporting agencies to send a report. And since all three failed to mail a copy I called each one directly to verbally request a copy of these credit reports that are causing the principal from being denied credit. All three Transunion, XXXX and XXXX have failed to disclose My Right to the file.
Product: Debt collection

COMPANY : KOHL 'S ( Capital One ). 
Date account was opened : XX/XX/XXXX Date account was closed : XX/XX/XXXX Account # : XXXX Original Debt : {$140.00} From XX/XX/XXXX to XX/XX/XXXX the debt increased to {$430.00}. The company did not waive late fees/ and during the whole pandemic i received multiple calls during the day. 
On XX/XX/XXXX i did contact the XXXX number located in the back of my Kohl 's card to speak with a representative and change the payment dates because at the time my dad was in the hospital and we had a major setback financially and emotionally. The agent told me " that the late fees can be paused for 2 months and i can pay the next month without additional fees ''. At the beginning of the pandemic XX/XX/XXXX i called Kohl 's again to let them know that at my workplace our schedules have been reduced to 2 days because the company didn't know the magnitude of the COVID-19 VIRUS/ CRISIS.

Again the representative told me that i shouldn't worry about as long as i make the payments, the excessive fees added to the account are not ONLY ridiculous but are violating my consumer rights. During XX/XX/XXXX the Governor XXXX XXXX paused late penalties to credit cards/ paused payments/ Kohl 's kept harassing me over the phone/and mail. Predators that did not give me any option to pay the original amount XXXX dollars. They persisted to collect three times more. This debt is in violation of 15 U.S CODE s 1681 N.

Not only my emotional health has been jeaopardized by this abusive company but my credit score as well. It has been reported as 'updated account on XX/XX/XXXX '. 
which falls in violation of the Consumer Credit Fairness Act XXXX. The debt is time-barred. 
i do request to remove this account from my credit report and/or be paid for damages occurred.
Product: Student loan

I am currently enrolled in an IBR plan. Navient has gradually decreased the amount of months from 12 to 9 in my plan. For example, my current payment plan began on XX/XX/XXXX and I needed to reapply for IBR by XX/XX/XXXX. I was recently contacted by Navient telling me that I need to reapply by XX/XX/XXXX and that my current payment plan is being " phased out '' and that it will end XX/XX/XXXX, almost a full three months ahead of schedule, and that if I ca n't complete my taxes in time for the IBR calculation my payment will nearly double, fines will assessed, and interest will be capitalized. I told the representative that I understood while I need to reapply for my IBR plan every year, each yearly calculated payment schedule was for a full 12 months and that Navient has been decreasing the payment window and making me reapply every year sooner and sooner. She told me that Navient is trying to " phase '' out the plans and that there was nothing she could do to restore the payment window or move the date for reapplying. When pressed for what I would be fined for, she told me that it was associated with " the cost of moving you ( me ) to a new repayment plan '' and for failing to properly provide required documentation for my current plan. I have no problem making payments for my student loans, but I 'm getting very frustrated that Navient is trying to both cheat the system and trick me out of IBR and collect higher payments. I am XXXX, and while both my accountant and I have started in XX/XX/XXXX on my taxes, they 're usually completed by the XX/XX/XXXX and they 're far from simple. The representative said that my income information must be verifiable, e.g. the IRS needs to have my tax information in their system by XX/XX/XXXX, otherwise I will be " kicked '' out of my IBR plan. It should n't be this hard for a borrower to follow the rules and be told incorrect information. If necessary, I would be very happy to forward to you the emails from Navient detailing the change in dates and payment schedules or to discuss my case with you.
Product: Student loan

I have paid this loan over 3 times. They even took a {$10000.00} income tax to go toward it. But the fees and penalties just racked back up to over {$10000.00}. 
The initial loan amount was {$10000.00}. 
This loan is from 1996.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a entry on my credit report from Vance & Hoffman. They claim I have a debt, but when I called, they are mean and will not provide me any documents pertaining to this loan. I am in the process of cleaning up my credit report and I seen there a many hard inquiries that are not mine. I have disputed this twice and they refuse to remove it but yet, they will not provide me any information. 

I have no details to report because I have no knowledge of this loan they are claiming I owe. Any help with resolution, would be appreciated. 

Thanks.
Product: Debt collection

Received a phone call from debt collector who proceeded to threaten me that she would put a debt on my XXXX report about a debt that I explained to her was inaccurate and that I had the proof. She knows that putting that on my report as I am a XXXX XXXX  would prevent me from being able to find a job and jeopardize employment with my current employer.
Product: Credit reporting

on XXXX/XXXX/2016 I made an agreement to settle my credit card account with XXXX XXXX bank ending with XXXX in the amount of {$4000.00} and have the account paid in full with XXXX balance. I made the payment on the XXXX/XXXX/2016 and waited to see the update on my trans union credit report. The update was made to my credit report showing a balance of {$5600.00} which is wrong. I am excepting to see acct is settled for less and XXXX balance. I disputed the issue with Trans Union, but it resulted in reporting even the entire original owed balance of {$9600.00}. It caused me a score plunged XXXX points. another dispute was not possible through the credit bureau.
Product: Debt collection

This company came up on my credit report as in open account and with a balance of XXXX}. As of today i have no open accounts with this company or do i have any info on this debt.
Product: Mortgage

In late XXXX i received written notice from XXXX XXXX  that XXXX would be the final month of them holding my loan as it was being sold to Shellpoint Mortgage. I received my XXXX mortgage coupon from XXXX in the mail and returned it. 

On XX/XX/XXXX I noticed that my mortgage check had not yet been cashed but thought nothing of it. On XX/XX/XXXX Shellpoint collections called asking for their payment. I provided the above information but the customer service rep was ineffective and unable to address the issue. Additionally, prior to the collections call, I had received zero written or digital communication from Shellpoint. In simplistic terms, their initial interaction was to punch me and threaten my credit. Nice to meet you too <skeptical side eye> I have also reached out to XXXX for clarity on this issue. 

Regarding the submission of a loan number and account number so that in forwarding this complaint to Shellpoint they can address my situation .... I have nothing. See comment about having received zero communication from Shellpoint, I have no idea what my account number is, or a loan number.
Product: Debt collection

XXXX XXXX XXXX XXXX / XXXX. I have disputed this with XXXX, XXXX and XXXX. This account has several factual errors and that is against the law. 

The company in question has continued to hurt my credit rating, and my mental well being.

15 USC 1681EB and 15 USC 1681 I5a, any thing, PERTAINING TO ACCURACY, that is fraud and willingly and harmfully trying to cause harm and harassment must be removed. Also states that if the consumer file is found to be inaccurate, incomplete or unverifiable it must be deleted or modified.

Factual errors are : but not limited to : * Account has been closed by the consumer.

*Cant say that its a balance is owed, when Company in question has charged it off as DEBT/income.

*Stating that an account is passed due, when sold to another lender ( 2 ) companies cant show same balance owed. 
*Sold my personal information to another lender without my knowledge or consent. 
* Has not show last payment, when sold and or 1099 has NOT been given to consumer.