23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Served lawsuit papers where I was being sued by discover bank and their law firm. I was not contacted prior to this action nor was I provided a court date so that I could appear in person and defend myself. Judge granted default judgment because I was unaware of the court date to make an appearance. 

I contacted the law firm representing discover and requested a payment plan to settle this debt but they would only agree to a very large monthly payment that I can not afford. I emailed requesting to negotiate the terms but never received a response and they are now requesting discovery of my assets and employment information in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect balance for XXXX XXXX.
Product: Debt collection

This phone was retasked from XXXX XXXX XXXX After two years this company continues to call for the original owner - I have repeatedly told them that I am not the person and asked them to stop but they call all the time
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX*Balance : {$560.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXXXXXX XXXX XXXXXXXXBalance : {$180.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXXXXXBalance : {$2500.00}
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Acct # : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX 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 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

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX -- -- -- XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, 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. Account name : 1.XXXX XXXX  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 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: Student loan

i attended XXXX XXXX in texas for less than a month before they closed the school because they were taking students money. i never recived any money from XXXX but i have proof saying i paid it back but its still affecting my credit report. I also have XXXX apartments i lived at 3 years ago on my credit report and when i went to court for XXXX they told me they were not going to hold the money against me they just wanted me out the apartment i left but now it is also affecting my credit report. Then there is XXXX ER from XX/XX/XXXX and when i contacted XXXX from billing at the er she says their is no such bill due to the fact i have had medicade since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Please remove hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises my serious concerns.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax for what appears to be an arbitrary and unjustifiable reduction in my credit score, which constitute a violation of federal consumer protection laws. This complaint is filed pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., and other applicable federal statutes. 

On XX/XX/2023, my credit score, as reported by Equifax, stood at XXXX. Within an inexplicable and abrupt timeframe, it plummeted to XXXX by XX/XX/2023, a reduction of XXXX points without any corresponding change in my financial status or credit report activities. 

This unexplained modification in my credit score raises serious questions regarding the accuracy and integrity of Equifax 's credit reporting practices. 

Allegations Against Equifax : Violation of the Fair Credit Reporting Act : The FCRA obligates credit reporting agencies to ensure the maximum possible accuracy of their data. The sudden and unexplained fluctuation in my credit score suggests potential non-compliance with this statutory requirement. 

Failure to Notify : The FCRA mandates that any consumer subjected to adverse action based on a credit report should receive timely notification of the same. The lack of such notification in my case further underscores a breach of statutory duty. 

Request for Investigative Relief : Pursuant to the FCRA, I hereby request a comprehensive investigation into this matter. The inexplicable change in my credit score warrants a thorough examination of Equifax 's reporting methodologies and compliance with federal law. 

Concerns Under the Equal Credit Opportunity Act ( ECOA ) : This matter also raises potential concerns under the ECOA, which prohibits discriminatory practices in credit transactions. The arbitrary nature of the credit score alteration may result in unintended discriminatory impacts.

Constitutional Considerations : Although Equifax, as a private entity, is not directly subject to the Constitution 's provisions in the same manner as government entities, its operations and practices are nevertheless regulated by laws that embody constitutional principles, particularly those relating to fairness, equity, and due process. This complaint contends that Equifax 's actions, as described herein, may not only be in potential violation of specific statutes like the FCRA and ECOA but also contravene the broader legal principles of fairness and transparency that are foundational to our legal system. It is imperative that such institutions, which wield significant influence over individuals ' financial and personal lives, adhere strictly to both the letter and spirit of these laws to ensure that their practices do not unjustly impact citizens.

Enclosed is a screenshot substantiating the abrupt change in my credit score. I anticipate your prompt and judicious response to this matter and am prepared to provide any additional information as may be required. 

Thank you for your attention to this critical issue.
Product: Mortgage

Due to covid my husband lost his job, I put my mortgage in forbearance for 6 months. I only missed 2 payments in that time which now I owe XXXX. My lender is quicken loans. After I exited forbearance, the only option that I was given was to modify my loan. They wanted to modify my loan at 5 % interest rate for 30 years raising my payment from XXXX a month to XXXX a month. So being only XXXX behind on payments they want me to pay XXXX more over the course of 30 years. I refused to take the modification, I cant afford for my payments to go up that much and I dont think I should have to pay XXXX for being only XXXX behind. So after I refused the offer they refused to give me any other option, and now stated they will have to report my delinquency to my credit report, and do it every month until I can get caught up. I dont feel this is fair practice, and I know if they are doing this to me, whats happening to the millions out there in my position. Unfortunately if this is what they are doing millions are going to be homeless because just like my situation my husband did find a new job, but isn't making as much as he was before.
Product: Debt collection

I called back in XXXX to settle this account after they switched to a new collection agency for a XXXX  XXXX  account. We agreed to 3 payments of XXXX appx. They took the first payment in XXXX, all events are for year 2018,. After the first payment I called back within that same first week and asked to cancel the arrangement because I could not afford it any longer and I was moving soon. The representative was very rude and threatened to report the account back to the credit bureau under the previous full balance versus what I even just paid. She told me she would cancel the arrangement and when I asked to speak to her supervisory regarding her service she refused and told me no supervisors were available when I called back I was placed on a block list. I called back today XXXX to find out why they charged my account again I spoke with a very rude supervisory who began to raise her voice to me and yell. I asked to speak with her manager because I wanted the previous call reviewed in XXXX she told me she would not do that nor did she have available and begin to get really rude saying I could call back and speak to a supervisory who was her equivalent. Once again when I tried to call back to customer service my number was blocked and I did record it this time. They charged my account when I asked to cancel the arrangement and refused to resolve the bill error they caused and threatened to report the full amount less the one payment I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each of the consumer reporting bureaus to remove all inaccurate and invalid information from my credit reports. I have not given them my written consent to report any of these items. They stated on numerous occasions that they have verified the information, but have not provided me with any original documents or contracts. They only keep updating these inaccuracies which are causing adverse impact on my life. Each of these items is being reported with visible inaccuracies such even after my request for validation. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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

XXXX told all XXXX credit reporting agencies to zero out the balance yet all XXXX keeps coming back as verify by XXXX bank that the balance is correct here is XXXX letter from them stating they told them to zero the balance now its time to delete
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Transunion 's handling of a fraudulent account ( XXXX  XXXX, XXXX ) on my consumer report. Despite my compliance with all legal procedures, Transunion reinstated this account, citing, " Account previously in dispute - investigation complete, reported by data furnisher. '' Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. Additionally, I seek a detailed explanation as to why this account was not removed initially, despite my submission of the necessary documents, including my ID, Social Security, proof of address, and the original FTC Identity Theft report. I also request disclosure of the method of investigation used, as mandated by FCRA 611. Furthermore, I am aware of recent lawsuits against XXXX for failing to properly investigate disputes, highlighting a troubling pattern of non-compliance with federal law. I expect Transunion to complete its investigation and provide all requested documentation within the four-business-day timeframe required under FCRA 605B. Your prompt resolution of this matter is appreciated. Here is the CFPB complaint number associated with my original complaint ( XXXX ) of the fraudulent accounts. Attached, you will also find the original dispute with the deleted fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Please remove fraudulent accounts off my credit profile from XXXX Trans Union, XXXX. Immediately. 
XXXX XXXXXXXX XX/XX/XXXX {$11000.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

The collector from XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX keeps calling me using abusive language to collect this debt. I have mailed a cease and decist letter to them. They also keep calling me three to five times a day from different phone numbers to make it look like it is not the same company. I have asked them to stop calling me.
Product: Mortgage

Basically my taxes are in my escrow and Ditec my mortgage company again trying anything they can to make us miserable. Please help. They didn't fully pay my home taxes and we are getting delinquent letters. I don't understand how my taxes are in my escrow why is this happening! Please help us.
Product: Vehicle loan or lease

In XXXX of XXXX I financed a car loan through XXXX XXXX  - a division of Santander Consumer USA , Inc. The monthly payment was {$500.00} with the first payment due on XX/XX/XXXX, the term of the loan was 72 months in length and I would make my final payment on XX/XX/XXXX. Over the term of my financing I ran into multiple difficulties in making my monthly installment. I was offered a deferment of the payment ( s ) that I was behind. Over the term of my loan, I deferred a total of XXXX payments. Each time I spoke with a representative of Santander they would advise me that my maturity date would be extended and I would be charged a fee of {$25.00} to defer my payment ( s ) and it would bring my account back to good standing. I would be recorded accepting the payment deferment, it would be reviewed and within a week my account would reflect current. I would not sign any paperwork for the maturity date extension. After my final deferment, my new maturity date was now XX/XX/XXXX. As I approached by maturity date I noticed that I still had an unpaid balance of {$6000.00} and knew it would not payoff by XXXX. I called and spoke with several representative at which point they referred me to their Office of the President for resolution. I tried to understand that if my maturity date for each deferred payment was extended how could I still owe so much? I was told that after any payment deferment my loan would turn into a " Daily Simple Interest '' loan if I fell delinquent again. I was never told that or did I sign any paperwork with that understanding. Because I needed my car to go to work, their OOP offered me a loan modification for the remaining balance. The balance I owed was then a new term and maturity to payoff my loan. I continued to try and understand how it was possible for Santander to extend my maturity date and turn my loan into a XXXX loan without my knowledge. I am currently still paying a monthly payment to Santander to payoff this balance. On two occasions I have asked a representative to please provide me a copy of my original loan note so that I can review to see if there is verbiage stating that if I accepted a payment deferment, my loan would be subject to XXXX terms. On both occasions, I received only page 1 of my 3 page note. I would like someone to provide me with how and where I was told about the XXXX factor in their payment deferral process. I felt so much appreciation when Santander offered me help through some very difficult financial times during my loan, but never expected that the additional 8 months of loan payments I made through their deferment program would still have me owing {$6000.00}. I am looking for confirmation that Santander 's practice is ethical and within Fed Reg guidelines. I want to ensure that others in my same situation do not accept consumer assistance programs from Santander when the consumer is unaware of the consequences of these programs.
Product: Credit card or prepaid card

XXXX XXXX  ( XXXX XXXX XXXX ) recently lowered my limit without my knowledge. As a result of this change, my credit score dropped 5 points. When I contacted them for an explanation they told me that they re-evaluate credit every once in a while and they lowered it due to my score at the time they re-evaluated it. I am currently trying to fix my credit so that I can buy a home. I've only had 1 or 2 minor late payments which were on accident because I lost track of the date. Overall I have been a very good customer. I feel what they did is a catch 22. They lowered my limit because my credit score was low and that in turn just made it even lower. They worsened my situation for no good reason.
Product: Credit reporting or other personal consumer reports

Experian closes another complaint with another idiotic explanation that addressed ABSOLUTELY NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J