23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

yes, I try calling numerous times, in XX/XX/XXXX. XX/XX/ and again XX/XX/ explained not my debt, they still call my job, people from my family, they get all information, I asked to validated the debt that they say o owed, they say. they just hung up on me. I already put a fraud alert in my credit report. this so call debt was showing on XXXX, it started to show on XXXX file as of today. this debt have to come off .I don't know what to do, it is fraud. I even call XXXX XXXX, way before it went to diaz and associates XXXX XXXX XXXX. # XXXX, XXXX, ca. XXXX tel # XXXX had it im dispute with XXXX, been over 30 days, have not been deleted and now reporting on XXXX  report. please help me. I appreciated you helping me with XXXX XXXX XXXX was deleted, they saw the error. I am desperate, this is ruining my credit. This company did nothing only theaten me, calling employer. I could have been fire for this. This is aggravating. The debt amount they say I owed is XXXX.
Product: Consumer Loan

A XXXX XXXX was repossessed by Regional Acceptance Corporation on XX/XX/2017 & I called Regional to see where the vehicle was towed to so I could recover my personal property & tag from the vehicle asap & they claimed they did n't know where it was & I know that 's a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a BK reporting on my credit report that does not belong to me, I am a victim of ID theft and have sent several letters to Transunion regarding this along with my police report and they refuse to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX Amount : {$29000.00} has violated my right. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XXXX XX/XX/19 refuses to credit the duplicate charge
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian or about XX/XX/XXXX regarding an incorrect entry on my credit report. I provided them a copy of a letter from the XXXX Department of Insurance and Financial services which reads in part : " XXXX 's response dated XX/XX/XXXX, apologized for the correspondence you received from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, regarding the collectron of a debt in the amount of {$200.00}, as your account was sent to the collection agency in error. XXXX stated they contacted the credit bureau to [ accurately ] update their reporting. '' Experian responded that this was not good enough. Now if a letter from a regulative agency is not good enough to correct their screw-up, what is?
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, I was given a XXXX dollar loan from green line loans owned by WAAwaatesi llc company ... This company charged XXXX every two weeks for a apr of XXXX percent a year..This is in violation of The Illinois pay day loan reform act which states a company may not charge no more than XXXX per XXXX of interest, therefore making this loan illegal in the state of Illinois..Per section 1 of the Illinois payday loan reform act to give out payday loans to customers the company must be licensed in the state of Illinois which WAAwaatesi llc is not..This loan is also is illegal in the state of Illinois per sec 03-03a of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be licensed with Illinois department of financial regulation which this company is not therefore making this loan illegal and unenforceable under Illinois state law..To this date I have paid XXXX dollars on this illegal loan in the state of Illinois and an unenforceable loan per Illinois state law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have and account with bank of America with last four numbers ending in XXXX on my credit file which was included in the process of debt consolidation with XXXX XXXX, the company got into a settlement amount with bank of America and I made payments for 48 months on this account until the negotiated amount was paid in full, however bank of America keeps reporting this account late and past due in the amount of XXXX dollars which is incorrect, balance should be XXXX and debt paid in full for negotiated amount, when calling bank of America they acknowledge receiving payments ( including one last payment in XX/XX/2018 for XXXX ) but they are neglecting their duty of reporting this to my credit reports causing my credit score to remain low and the adverse effects of having both an incorrect status and incorrect balance, please help me to correct this mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX, XXXX XXXX XXXX  XXXX, PA XXXX I contacted TransUnion and XXXX about a bankruptcy that has been showing on my credit report. They've stated several times that they have been verifying this information with XXXX. Appalled by that information, I went directly to XXXX XXXX and in response to my inquiry they claim to have never verified this item with these companies. This would mean this bankruptcy is by law considered UNVERIFIED. 
I've done several disputes and I've sent several letters to both TransUnion and XXXX to have this bankruptcy removed and still nothing is being done.
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.

Dept of EDXXXX : Account # XXXX Dept of EDXXXX : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX Source Receivables Managment : 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 an 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 XXXX 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: Student loan

I had {$30000.00} in loans with XXXX under my parent 's name while my parents were in bankruptcy. I contacted XXXX numerous times to find a way to get the loan out of their name once I graduated. They would not assist my parents or me with either ; deferring my payments or allowing me access to take over the loan. Once my parents finished bankruptcy we were able to consolidate with another company, however I accrued over {$11000.00} in interest. I do n't believe I should be liable for most of this, if not all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX had a XXXX XXXX a few years Back. My credit went from building up my score with a XXXX XXXX XXXX  account. To XXXX XXXX XXXX XXXX XXXX credit cards taken out in my name. I dispute the inaccurate information on my reports.everything was going good until XXXX got hacked and a bunch of us got hacke d and now my credit is back to XXXXXXXX XXXX 
XXXX needs to fix all of this instead of just giving me XXXX on a claim.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, TransUnion and XXXX. 

Please delete the following accounts : XXXX XXXX XXXXccount Number : XXXX Balance : {$330.00} XXXX XXXX  Account Number : XXXX Balance : {$820.00} XXXX  Account Number : XXXX Balance : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX OF XXXX XXXX XXXX Owed : {$3500.00} ; XXXX BANK XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.
Product: Credit reporting or other personal consumer reports

I have filed an updated, newly added facts, which in my original FTC report of identity theft and fraud led to none of the CRAs, as directed under CFRA, to block this XXXXXXXX XXXX XXXX account from my credit immediately under CFRA, FTC, and CFPB directives. XXXX XXXX failed to disclose to the CRAs that in XXXX of XXXX, I notified XXXX XXXX XXXX Internal Fraud Department of identity theft and fraudulent charges and activities occurring under my name as holder of the account by XXXX XXXX and XXXX at XXXX. I left my wallet at the front desk, and when I returned, it was gone. A few days later, they stated it had been found. However, three employees said they had copied all of my personal information along with three other credit accounts. Within a week, I had fraudulent charges and made three full reports with XXXX XXXX XXXX internal fraud department. My accounts listed under this FTC, CFPB identity theft and fraud reporting had grown dramatically, were constantly reported to XXXX XXXX investigators, and the hotel manager admitted to many of the fraudulent acts and transactions. This account should be deleted from my negative credit file, and by all CRAs immediately under FCRA.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the following : 15 U.S.C. 1681 602 ( A ) I have the right to privacy 15 USC 1681 and 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.

15 U.S.C 1681 604 ( A ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. I have no knowledge of these companies and they shouldn't be reporting as I never gave permission for the reporting per Section 1681 ( A ). In accordance with the Fair Credit Reporting Act, I hereby request the above listed accounts be removed from my credit report.

Any information that the creditor is unable to verify should be promptly eliminated. Kindly provide an updated copy of my credit report to the aforementioned address. According to the legislation, there should be no charge for this updated report. 

Delete these accounts immediately XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I've had a really rough time with CMRE Financial Services for nearly a year. During this time, they have violated all norms of decency : from calling repeatedly despite me asking them to stop calling, to trying to continue to collect after it was referred to my insurance, and then reporting an unpaid bill to XXXX   after the bill was paid in full by my insurance. 

This all began last year after I was admitted to the emergency room for a sudden XXXX event, after which I had to pay several thousands of dollars in medical bills ( which were paid on time and in full ). Several months after this visit, I received threatening calls from CMRE ( e.g., " If you do not call now we will pursue legal action '' ). Much to my surprise, they were trying to collect on a medical bill I had never received. Callers were aggressive, disrespectful, and gave wrong/misleading information in attempts to collect debt ( e.g., multiple notices had been mailed, legal action would be taken if not paid, insurance would not pay for services, etc. ). Worst, after checking with my insurance, it appeared to be linked to overbilling for medical services that were never received. After reporting this to my insurance company ( XXXX ), they began negotiating with CMRE to bring the original bill down and pay the remainder that was due. During this time, CMRE repeatedly called me, telling me to pay in full or else they would take legal action. 

Fortunately, my insurance was able to get them to remove excessive charges and paid the rest of the bill in full ( see attached ). Despite this, CMRE still sent this dispute to XXXX, which results in a derogatory remark and a 22 point drop in my credit score ( see attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Mortgage 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: Mortgage

The Dime savings bank denied a loan because they claim we were 13 months late with mortgage payments. We explained that we were in the HOPE program to refinance with the government through their affordable housing program and part of getting accepted was that we were no allowed to make payments while in the process of negotiating a new loan. this was not supposed to hurt our credit in anyway but it did!
Product: Credit reporting or other personal consumer reports

XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 

Account name : XXXX XXXX Account # XXXX {$490.00} XXXX XXXX XXXX Account # XXXX 

XXXX  Account # XXXX XXXX  ( XXXX  ) Account # XXXX {$1300.00} XXXX Account # XXXX {$6800.00} XXXX XXXX XXXX Account # XXXX Account has been closed at Grantors request all without my written consent. 
Account has been previously in dispute- Investigation complete, reported by data furnisher. 




IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!! 
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 


( needed To be Removed improper use of the credit report )
Product: Mortgage

Loan was serviced by XXXX I enrolled in the covid assistance program around XX/XX/XXXX and received an extensions XX/XX/XXXX and XX/XX/XXXX from XXXX to expire XX/XX/XXXX. 

As of XX/XX/XXXX the amounts past due was as {$5300.00} with {$1300.00} due XX/XX/XXXX for a total amount due of {$6700.00} none of the amount due was late fees. ( ref XXXX XXXX statement ) Immediately following this statement the servicing was transferred to Carrington mortgage. 
I received a Statement from Carrington dated XX/XX/XXXX showing a past due of {$5300.00} with {$1300.00} due XX/XX/XXXX and {$220.00} in late fees for a total of {$6800.00}. Along with the threat of foreclosure. Ref Carrington XXXX Statement. 
I immediately called XXXX and Carrington about the Covid protections : XXXX responded that the Covid protections follow the loan to the new servicer and that Carrington may not have received all of the info yet, and that no fees had been charged by XXXX. 

Carrington says that the fees where previously owed to XXXX and that they had no record of the covid forbearance. I immediately enrolled online for covid protection on their website, and was granted until XX/XX/XXXX. 
I have made all payments showing due to avoid any credit reporting or foreclosure issues prior to the expiration of the latest covid assistance period resulting in the amount of {$170.00} paid year to date in fees to Carrington. Ref XXXX Carrington Statement. 
I have tried to resolve this issue with Carrington and they say they where fees from XXXX when the loan was transferred. Both companies just point the finger at the other. 
In addition I asked Carrington to provide me the name of the FHA Mortgage owner and they said all they do not have that info, this is a FHA loan. I was seeking this info to seek help from the backer as well.
Product: Checking or savings account

i got a call from CRC XXXX and gave me a number and reference XXXX, DDA XXXX, file XXXX stating that i did not close a checking account so they kept charging me overdrafts instead of cloing the account. they are suing/civil me for a default on the account not being closed and they are going to arrest me and then garnish my wages. there should be no default, i never borrowed any money from the bank it was used to deposit child support and alimony checks only. i need help because this account is from XXXX/XXXX/2006 how can this account even be in collections and it does not show on my credit report either? sincerely XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX. I have a US Bank Reliacard that XXXX pays child support into. I was sent a new card at the beginning of XXXX but the card wouldn't activate. The system kept stating that the 3 digit security code was incorrect. After many calls they decided to send me a new card that I waited over 4 weeks for. The new card is stating the same issue, I'm not getting any help with it this time. The agents are very nice trying to help me but the supervisors are either telling me to do the same thing I've been doing or just leaving me on hold when an agent tries to escalate. I have spent over a 140 euro in phone calls trying to get this card activated ( I moved my kids to XXXX when I got divorced ). Can someone please help me, I'm falling behind in rent and am so frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with Experian regarding a fraudulent loan being reported on my credit report. It is a loan from XXXX for {$1600.00} opened on XX/XX/2023. I first submitted a dispute as soon as I saw the account, thinking it would be easily resolved, as these issues have been in the past. Experian denied my claim saying the lender verified the information was correct. I told them this was not the case and started another dispute and jumped through many hoops including filing multiple claims with the FTC, sending my Passport, Drivers License, Statements, and Utility bills. I have been mistreated by their customer service, having calls disconnected and receiving emails to the effect that I am intentionally misrepresenting information. To me this amounts to gross negligence on their part. And now, whoever took this loan is not paying it back to the detriment of my impeccable credit. Experian has been less than helpful throughout this process. This fraudulent account needs to be removed from my credit report immediatly.