23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints State attorney general only I Recently Seen a False Collection from a company I never heard of. Also I do not have a contract with this company and they do not have a license to collect in my state I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The item I am disputing do not relate to any transactions that I have made or authorized. 

I am not liable for the debt with
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2020, XXXX  removed the 2 bankruptcies that were reporting on my credit file due to not being to able to verify it. A letter was sent to the court asking to please provide the procedure they use to verify records with the credit bureaus, the clerk of the court replied that they do not report or verify any information to any thirds party or credit bureaus. This letter was sent to all 3 credit bureaus, XXXX removed the 2 public records but transunion and XXXX  did not, it is very clear the court does not report to them or any credit bureaus, so their original response stating that the item was verified was either an error or a lie. Either way their reporting requirements do not comply with the FCRa law. If XXXX  removed it because they could not verify the information, how did transunion and XXXX do it? Please provide the documents or information with the person you spoke to or used to verify
Product: Credit reporting or other personal consumer reports

I'm reaching out to address an issue with my credit report that has been seriously affecting my credit score. There is unauthorized and unverified information being reported, which is not accurate and has been dragging down my score. This has made it difficult for me to access credit and other financial opportunities.
Product: Credit reporting or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT PURSUANT TO FCRA SECTION 605B ALL FRAUDULENT INFORMATION MUST BE REMOVED
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX XXXX, identified by the Account Number : XXXX
Product: Credit reporting or other personal consumer reports

These accounts were terminated since XXXX and XXXX and should have been deleted from reporting on credit bureaus but were not and was inaccurate use of credit bureaus reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is double reporting an account on my credit report. XXXX # XXXX and XXXX XXXX XXXX # XXXX are the same account with a different account number. Equifax is the only bureau that is double reporting this debt illegally. I need this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Chase credit card services contacted my place of work, thus jeopardizing my employment. I did not give my employers number nor the written consent to contact me at my workplace. I asked them to stop immediately as this is a form of harassment. They have also contacted me repeatedly at my mobile and work mobile phone during my working hours, at inconvenient times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Unfortunately, TransUnion has not responded to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act. 

Upon reviewing my credit report, I have identified two instances of inaccurate information that require immediate correction. The following are the details of the inaccurate information and the required corrections : Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$10000.00} Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$100.00} I assert that the above accounts do not belong to me. Therefore, I kindly request that TransUnion promptly removes the accounts listed under numbers 1 and 2 from my credit report.
Product: Debt collection

Received a text message from collection agency Hunter Warfield on XX/XX/XXXX that stated regarding XXXX XXXX. Was sent a number to call XXXX. Called the number and was asked was I ...... I stated " no '' " I don't have a middle initial of J ''. Was then asked was the last 4 of my SSN .... and was my DOB ... ... .., I verified yes. Then the representative stated that I owed a debt of XXXX for XXXX XXXX. I then stated that I was a victim of identity theft since XXXX and asked that the information be sent to my email. I received an email today XX/XX/XXXX with the information needed to send back to them due to reporting fraudent activity for this account. I immediately reported it to my U.S. State attorney that i'm registered with under the Department of Justice and to the FBI.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX Has violated my rights 15 USC 1681 section 602 A -states I have the right to privacy 15 USC 1681 section 604 A- section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX and TransUnion 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX BANK XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$95000.00} and XXXX XXXX BANK XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00}.
Product: Checking or savings account

USAA froze my pay check for a week causing automatic bill payments to bounce and caused me harm of unnecessary fees. In addition, I was unable to afford basic necessities like food and gas. I had to turn to begging for money just so could feeds my kids and drive to work. The company was unsympathetic and unwilling to help me. Previously of several occasions, they would charge me overdraft fees for no reason.
Product: Debt collection

I received my first letter from this company just a few weeks ago. Since then they have called me and made sure to flag my credit report on a weekly basis as a collection account. I have several issues with this collection account. 

1. ) It appears that they are not licensed to collect in Iowa. Please see attached.

2. ) Their aggressive tactics.

3. ) I have never signed anything or agreed to do business with this company.

4. ) They show an incorrect/incomplete account number so there is no way to verify that it is mine.

5. ) They show it as a collection account with a balance. My understanding is that collection accounts are not supposed to show a balance. 

To my knowledge, all of the above issues are violations of the FCRA and I would like them to immediately stop trying to collect from me and to remove their collection account from my credit reports.
Product: Debt collection

DEPTEDXXXX They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). 
Dates : XX/XX/XXXX- current. 28 accounts that they have transferred to collections. 
Amounts are as follows : {$2000.00}, {$1200.00}, {$1100.00}, {$3500.00}, {$2700.00}, {$4000.00}, {$7900.00}, {$2300.00}, {$3300.00}, {$2700.00}, {$3500.00}, {$4500.00}, {$6000.00}, {$3500.00}, XXXX They are invading my rights to privacy. I do not owe a debt to a collection agency. They have sent my account to collections. ( Transferred my account without my permission or rights ). {$790.00}
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of {$1300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

In XX/XX/XXXX, I was told by XXXX XXXX told my that my financial aid refund would be in my account ( stipend ). I was in need of my money because I was using a loaner computer, and I needed a new computer. She told me it would be in my account by XX/XX/XXXX. It was not there. Ms. XXXX told me that my federal loans paid on XX/XX/XXXX, but I still had a balance owed on the tuition. After that I was left with {$88.00}. She said they were waiting on my Pell grant to refund me for the computer and living expenses, which she promised me that it would be there any day. My Pell did not come until XX/XX/XXXX. In between that time they had told me they could expedite my funds. I am not sure what I am paying for, since they do not supply me with any award letters showing the balance I was awarded in loans for the any school year. I talked to her last week, and she told me that I get my check mailed on XX/XX/XXXX. Now I am being told that my check will have too wait another 14 days, it is a process, which they can not explain, nor do they have any administrative policy on how refund ( stipends ) are allocated to students. I have a XXXX GPA, I have been in this program for 1 and 1/2 years, I took a break, but I am a good student, so I do not understand why I am being placed on hold and I need my funds. The financial aid workers seems like they are making promises and will tell you anything to get you off the phone. There are no clear policies on how this financial aid refund process works. Most school have defined polices on how refunds ( stipends ) are reimbursed to students, they seem to have a willy nilly policy. Although they have a campus in XXXX, the financial part must be in XXXX, and they allow XXXX students to pick up their refunds ( stipends ) but will not allow me to drive down from XXXX to pick my stipend up. There is no policy on why I as a student am not allowed the same benefits as XXXX students, in regards to picking up my refund. I was also given the phone number for the financial aid director, who supposedly will release my funds, but she is conveniently on vacation until next week ( XXXX ), meaning that my check may not be released until XX/XX/XXXX. I graduate in XX/XX/XXXX. I would like to see award letters for each financial aid calendar year, I feel that they have kept some of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS REPORTING A COLLECTIONS ACCT FOR THE 3RD TIME ALREADY. THEY ALLEGE THIS ACCT WAS VERIFIED AS ACCURATE. I SENT A LETTER XX/XX/2020 REQUESTING PROOF OF VERIFICATION METHOD WITHIN 15 DAYS PROVIDING PROOF OF WHO AND WHAT FORMS WERE UTILIZED TO VERIFY THE ACCT AND THEY HAVE EXCEEDED THE ALLOTTED TIMEFRAME AND STILL HAVE NOT FURNISHED PROOF OF HOW THIS ACCT WAS VERIFIED. XXXX XXXX XXXX  HAS ALREADY BEEN REMOVED FROM XXXX AND XXXX
Product: Mortgage

On Monday, XX/XX/XXXX, I officially started the refinance process with XXXX XXXX of NewRez LLC. XXXX XXXX wanted me to make " quick '' decisions as interest rates are always changing. Long story short, I paid NEW REZ LLC for an appraiser to come out to do an appraisal ( the amount of the " original '' appraisal was misquoted by XXXX XXXX and an additional {$50.00} was charged - separately. ) I promptly provided ALL documents requested AND submitted UPDATED documents ( pay stubs, W-2 's ) as the time went on, and on, and on - apparently each month a new pay stub was needed since this process was not " wrapping '' up. On XX/XX/XXXX, I received an email from XXXX XXXX informing me my loan had been " conditionally approved. '' On Janary XXXX, XXXX, I received an email from XXXX XXXX informing me she was my mortgage processor and would taking care of my loan. Fast forward to XX/XX/XXXX, XXXX XXXX stated she would like to get the loan closed by XX/XX/XXXX and that I needed to sign a new lock rate extension as the first was expiring. On XX/XX/XXXX, I received an email from XXXX XXXX who was STILL working on my loan and that she was hoping to have it closed by XX/XX/XXXX. Well, here I am today, XX/XX/XXXX and still NOONE has returned my numerous emails and countless daily phone calls. 
It seems that I am not the only person this is happening to - if you look at the reviews on their website ( which show a XXXX average ) there are COUNTLESS reveiws that read the same as mine. As a Math teacher, I can not figure out how the COUNTLESS one stars add up and average to XXXX - NEW MATH? 
I have since moved on to another mortgage company today - as the most recent email from XXXX XXXX stated she was hoping to have it close by XX/XX/XXXX which has come and gone AND I have not heard from anyone from this company. 
I WANT my appraisal fee returned as this is BAD BUSINESS, actually NO BUSINESS!
Product: Credit reporting or other personal consumer reports

XXXX XXXX SS : XXXX DOB : XX/XX/XXXXXXXX  I am filing this CFPB complaint requesting pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, the XXXX/ XXXX/ Equifax credit reporting agencies to block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts, inaccurate and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account # XXXX. The other account is XXXX on XX/XX/XXXX under the account # XXXX. These accounts have resulted in several fraudulent hard inquiries as well as a copy of consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize these accounts, collections and hard inquiries that are reported. This has resulted in mental anguish and pain. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint case # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have previously made payment arrangements with Discover. Discover continues to make multiple harassing telephone calls to me at my telephone number as dated in detail below : XX/XX/19 XXXX XXXX 
XX/XX/19 XXXX XXXX 
XX/XX/19 XXXX XXXX 
XX/XX/19 XXXX XXXX 
XX/XX/19 XXXX XXXX 
XX/XX/19 XXXX XXXX 

As you can see, this far exceeds the once daily telephone calls & is considered to be harassing at this point.
Product: Debt collection

I have told this company repeatedly that I had filed bankruptcy in 2020 and it was XXXX in 2020 as well as XXXX XXXX, and they keep trying to collect on debt that is not valid. I sent them letters to a New York address and they still keep calling and sending me letters saying that I owed this debt.
Product: Debt collection

Credence has been reporting an alleged debt on my consumer reports illegally. I have never done business with them, so I don't know how they ever received consent to my personal information. This is identity fraud. I have never legally given written consent/permissible purpose to furnish this alleged debt on my reports. Credence is a 3rd party debt collector attempting to collect an alleged debt. Credence has not provided any validation or verification legally required showing ownership of this debt. This includes the original contract with my wet signature. Their negative and illegal reporting is tarnishing my credit worthiness and hindering me from acquiring affordable living and transportation to provide for my family. This is causing undue hardship to all of us!
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 
We XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report Thanks Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report Thanks
Product: Credit reporting or other personal consumer reports

I did not give written consent for EXPERIAN, XXXX, or XXXX to furnish my information out to these companies.
Product: Mortgage

We have Penny Mac as our Mortgage lender. For about a year, we were making half of the mortgage payment twice a month. Our Mortgage payment was just over {$2800.00} a month and every two weeks, we were paying half. Once the month was compleyed, our mortgae total was paid. However, Penny mac said that we were only paying half of the mortgage and the other half was going directly to principal. We talked to Penny Mac on many occasions trying to get this sorted out and for them to correct the " delinquent '' payments status. We were told this was company policy and there was nothing that can be done. After many attempts, we reached out to another creditor for assistance. While this process was going on, they informed us not to make a payment. This went on for 5 months. We contacted the credetor multiple times to see if any progress was made and we were told that the lawyers were still working on a solution. We believed that this creditor was not going to help us and canceled the service with no resolution. We worked diligently to get caught up and to ensure we were not late on another payment. For over a year now, we have not been late on the house payment. We are currently selling the current house and and looking for another. This unjustified reporting from Penny Mac is preventing us to get approved for another payment. I hope there is somthing that your company can do to either help or at least point us in the right direcrion.