23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Sec fin # XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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, credit repair services, or other personal consumer reports

My PayPal account has been closed without a clear reason that shows the violated policy After my friend sent a small amount of money to my wallet
Product: Debt collection

I do not know what this is about. It was a computer and now they say they are part of a law firm, Aldous and Associates,
Product: Debt collection

On XX/XX/2018, XXXX, someone called me on my cell phone whose name I couldn't catch. At first there was silence even though I said hello three times ; so I remained on the line without saying anything, then a female rapidly gave me her name and the name of her company, which I didn't catch, and asked me if I was -- -- -- -- --. At first, because there was so much chatter in the background as though it was a call center, I hesitated with my name confirmation and asked what the call was concerning. She said she couldn't tell me unless I confirmed that it was me. So I said " YOU called me and I am XXXX XXXX. So what is this about? '' She repeated she had to confirm that it was me, and in that moment I realized she was looking for personal information which I was not going to give over the phone ; so I told her that I wasn't going to give any more information so she could hang up. She said she couldn't do that, so I said " Well, I can. '' and hung up. 

About 5 minutes later, not knowing exactly WHO called me, I dialed XXXX to get more information regarding the identity and legitimacy of the company. A connection was made and immediately a recording informed me that the conversation would be recorded. Again, though the female which answered was different in voice, she was the same in manner and spoke rapidly asking if I was -- -- -- -- -- -. This time I sought a different approach and answered immediately that I was he and I informed her that someone called me 5 minutes ago and I inquired why. Again, she asked me if I was -- -- -- -- -- - and I said " I already said that I was. '' She said I can't tell you without confirmation ; yet she had also said that my number ( cell phone number ) had " come across her desk ''. So to me, my cell phone number is my identifying number and the number came up when I returned the call. Around in circles, so I told her that's okay and that I was hanging up but I will report her number to the proper authorities. She said fine and I hung up. When I got home a few hours later, I looked up the telephone number which led me to numerous complaints against XXXX XXXX XXXX. These are some examples : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

I am trying to use my VA Loan to get a mortgage and this company reported negative information on my credit report which is preventing me from qualifying.
Product: Credit card or prepaid card

I was once a fraud victim of identity theft and notified the credit bureaus about the fraud. The bureaus worked with me to solve all problems. I recently changed my phone number. My old number was XXXX an my new number is XXXX. I reached out to bloomingdales credit card company to change my number on file with them. They told me it needed to be changed with the credit buraus too. I sent the credit bureaus certified letters about 3 months ago letting them know I had a new updated phone number. Everytime I attempt to place a order or even add a authorized user to my account with bloomingdales they always say they will place a call to my old number ( that I don't have anymore ) to verify its me. I have tried NUMEROUS of times to get my phone number changed on file with them and they wont do it. I called the Credit Bureaus and the REASSURED me that the new number was reflecting. I would like to be able to use my Bloomingdales card however they wont allow me due to me having a new phone number. I would like to solve this issue as soon as possible. I have had this card about 5 years or longer. When I call they will place me on hold and sometimes even hang up on me. Bloomingdales should pull my credit record and it will show I have updated my number with the bureaus. Instead they tell me the bureaus need to contact them which makes no sense at all. I would like to keep my card and be able to actually use it in store and make purchases online. They also once had me to set up a telephone password and they still wont ' allow me to change my number .Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have reported to all three credit bureaus that fraudulent charges were made with my information. XXXX XXXX XXXX XXXX has not removed the account. I have contacted and disputed this account 4 times. The balance is {$24000.00}. I have never did business with this company. This account shows up as closed. I want to file a complaint on all four parties. Thank you.
Product: Mortgage

SLS is WITHHOLDING insurance funds for repair to my home due to a SEWAGE backup which caused XXXX XXXX XXXX XXXX due to their delays and his exposure to sewage ( for which I will be suing after this is done ). we BORROWED money to complete the repairs that the insurance company had actually paid for in XXXX. 

Instead of putting in wall to wall carpet which bred the XXXX that caused my XXXX XXXX - we ( at greater EXPENSE ) put in wood flooring to alleviate any future germs/illness. Their unprofessional and UNKNOWLEDGEABLE inspector indicated that the FULLY finished work was not done because " carpet was installed '' ... XXXX.He also asked me if we were going to " paint a pipe access panel '' ( which he referred to as a closet ) that was NEVER painted before and has a board that covers the access - since it is a XXXX ACCESS PANEL. They have caused me loss of income for these inspections as I have to take off work when they are done, health issues for my child, undue stress, out of pocket expenses and needless delays. They continually respond with nonsense answers and have not been taking into consideration the FULLY DOCUMENTED timelines, notes and issues ( all of which I CAN DOCUMENT )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} ; XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} ; XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} ; XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$440.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3300.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX.
Product: Student loan

My loan servicer : XXXX XXXX XXXX is denying my rights under the Servicememeber Civil Relief Act. They refuse to decrease the percentage of my loan to 6 %
Product: Credit reporting, credit repair services, or other personal consumer reports

A item on my credit report has been illegally negative re-aged. Here is the background. 
Someone opened a XXXX account in my name. 
Approximately 8-9 years ago it went into collections. Approximately 3 years ago I disputed it and it was removed from my credit report. A few months later it re appeared with a new date of XX/XX/2017. 
The item is as follows Debt description XXXX XXXX  Current creditor XXXX XXXX XXXX XXXX Amount of the debt {$1100.00}
Product: Vehicle loan or lease

Overly excessive interest rate and hidden fees. Bad warranty, reporting inaccuracies on credit report. This company has lawsuits in XXXX states for its fraudulent dealings.
Product: Student loan

I have sent upwards of 15+ emails to FirstMark Services and have received no correspondence back. I've asked about payment changes, incorrect payment amounts they mailed me and then proceeded to take more money out. Their phone-number doesn't allow to actually get through. It asks for soc, birth date, and zip code and after entering it just says " sorry your info wasn't found ''. 

I have tried every option except physically mailing FirstMark services. 

I have sent 15+ emails since XXXXXXXX XXXX XXXX and the only response I received was " we apologize for any confusion, customer feedback is critical to FirstMark services ''. I have had no actual communication from this company about anything I've asked and I don't know what else to do. 

XX/XX/XXXX - FirstMark communicates my payments are {$420.00} a month after my loan is sold to them ( I was previously paying {$520.00} a month ) XX/XX/XXXX - {$580.00} is withdrawn from my bank account XX/XX/XXXX - I reach out and ask what my payments are, why was incorrect info communicated, what my payment is, why it raised since loan transfer, etc. ( Total of 5 emails sent throughout the day ) XX/XX/XXXX - FirstMark responds that " XXXX is the payment needed to cover my loan in full '', XX/XX/XXXX I respond with the same questions I asked on XX/XX/XXXX since they are still unanswered XX/XX/XXXX - I follow up ; no response XX/XX/XXXX - I follow up later in the day ; no response XX/XX/XXXX - I follow up, no response XX/XX/XXXX - I follow up, no response XX/XX/XXXX - I follow up, no resopnse At this point, I called and couldn't get through and gave up on trying to get communication back. 

XX/XX/XXXX - I receive a message that my loan status was corrected and an error has been received XX/XX/XXXX - I followed up to no resposne XX/XX/XXXX - I receive a message that my " 12-month post-transer interim repayment plan is sending and it's no longer offered by my lender and that I'llg et a new monthly payment amount. 
XX/XX/XXXX - I follow up, no response XX/XX/XXXX - I follow up, no response
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Acct XXXX is reporting incorrect information to Experian. 
No late payments on account since this mortgage payments are being made by the State of Florida directly. XXXX  is reporting late payments and Experian is showing incomplete and inaccurate information which must be removed as per my rights under FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer on multiple instances I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have simply requested original hard copy documentation, fully and totally verifying that all negative items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the negative items to remain on my credit report after several letters damaging my credit worthiness. The items therefore should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian, XXXX as well as XXXX are all in violation of the FCRA ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account XXXX : XXXX XXXX # XXXX Account XXXX XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX XXXX INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Mortgage

I have a mortgage with Ditech Financial on my residence purchased in XX/XX/XXXX. I declared bankruptcy in XX/XX/XXXX however remained in the property and made my payments as agreed.

As a XXXX   I was called back to XXXX XXXX on XX/XX/XXXX for one year. I notified Ditech about my XXXX and this would effect my ability to make payments. I provided Ditech a copy of my XXXX XXXX which they acknowledged receiving.

Ditech proceeded to foreclose on the property and has handed the property over to XXXX XXXX ( XXXX  ) XXXX, and ( XXXX  ) XXXX to proceed with foreclosure. I am requesting they stop the foreclosure proceedings allowing me my protections under SCRA.
Product: Credit reporting or other personal consumer reports

Please remove the unauthorized inquiries listed on 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
Product: Student loan

On XX/XX/XXXX I requested information and clarification on my SAVE plan as I had received multiple messages with differing amounts. One said my new payment amount would be {$160.00}, one said {$110.00}, one said {$0.00} starting XX/XX/XXXX. The actual amount that was due according to my account was {$420.00}. I reached out again on XX/XX/XXXX after giving more than the two business days they stated they would respond in and they still have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACT and I agreed on a settlement offer on an account to pay 50 % of an account and for that to be accepted as full payment. I have attached the letter that ACT sent to me with the offer terms. I made that payment over the phone following receiving a written commitment from the ACT. On the phone, the person I spoke to confirmed that the payment would be accepted as a settlement. 
However, Account Control Technologies has been reporting incorrect information to the credit bureau for the last two months and as such has been violating my consumer rights. When made aware of this when I filed a dispute with the credit bureaus, account control technologies doubled down on this infringement of my rights and DECLINED to fix the information that they are reporting incorrectly, and falsely claimed that the information reported was accurate. I have attached the results from XXXX where ACT falsely states that the amount being owed is correct I am demanding the ACT swiftly correct all information being reporting to the credit bureaus including the following : Account type change from open to closed Balance change from {$3000.00} to XXXX Past Due change from {$3000.00} to XXXX This account is paid and full based on the terms in the letter attached bearing account control technology logo and address. As such this company needs to fix my credit report with all credit reporting agencies immediately.
Product: Credit reporting or other personal consumer reports

Under USC 1681 sec 7 affords me the right to know how this account XXXX XXXX was investigated and verified. How ever, it has been 5 weeks and such prove has not been made available to me by XXXX, XXXX and Equifax. With so much inaccuracies being reported on this account, this is costing me money in interest rate and the 3 credit bureau now owe me {$1000.00} each.
Product: Debt collection

Financial Asset Management Systems ( FAMS ) has continued to threaten to restart interest on my student loans which is currently at 0.01 %. FAMS has repeatedly threatened to restart interest at 8 % in order to continue to get payments from me which is an flagrant violation of the Fair Debt Collections Practices Act. FAMS has continued to threaten me that they could restart the interest to 8 % if they do n't get payment from me which is an abusive practice and violation of the Fair Debt Collection Practices Act. FAMS continues to make these threats as a coercion tactic to get money from me. These practices are flagrant violations of the Fair Debt Collections Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE FRAUD ACCOUNT WITH THE CREDITOR, THEY REMOVED THE ACCOUNT, BUT STILL SHOWING IN MY REPORT AGAIN. 

XXXX. XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX OPENED OPENED XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$120000.00} Type of Account A mortgage account is real estate loan. : Mortgage Credit Limit : Term Duration  : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$110000.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 29 Creditor Classification : Activity Designator : Paid and Closed Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : 02/2014 Type of Loan : Conventional RE Mortgage Date of First Delinquency : N/A Comments : Fixed rate
Product: Credit reporting, credit repair services, or other personal consumer reports

my bankruptcy has the wrong closing date/resolution date exsperian has XX/XX/2014 the correct date is XX/XX/2014
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX equifax shared that my personal info may have been impacted by their data breach. it offered credit monitor & lock services via trustedid premier wensite that has no working contact phone. i called and it hung up on me midway stating it wasnt able to process my request. its website continued with outages. it 's XX/XX/XXXX & i still dont have my credit file locked due to their site outages & repeated " 48hrs wait '' delays. i want equifax and trustedid premier to be proactive and take responsibility for what they have created
Product: Debt collection

Commonwealth finance posted debt on my credit report from a XXXX that in 2011. I did not receive a letter or documentation that i could make payments on this debt before in was placed on my credit. When I tried to dispute the debt through the credit bureau they posted another account on my credit report. 

The company is also not licensed to collect debt in the state of Florida
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incomplete data on my credit report. The account type is missing and should be coded as a medical bill.