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

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX account # XXXX Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information.

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in Illinois, which has a seven-year status limitation for reporting bad debt. I asked XXXX and Experian to remove the expired debt, and they refused. I also asked them to verify the debt was mine before it expired ; they didn't do that either. However, now the bad debt has expired, and it needs to be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is misreporting a balance to all three bureaus on a balance that was forgiven. Please see the attached 1099. This balance was should be reporting to the three bureaus as {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the validity of three collections accounts listed on my credit report, which were reported by CITI ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts.

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion 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 consist of personal credit card account opened at XXXX XXXX opened on XX/XX/XXXX Another personal credit card account opened at XXXX XXXX opened on XX/XX/XXXX Another personal credit card account opened at XXXX  XXXX XXXX opened on XX/XX/XXXX And another personal credit card account opened at XXXXXXXX XXXX XXXX opened on XX/XX/XXXX An auto loan account opened at XXXX XXXX  opened on XX/XX/XXXX Another auto loan opened at XXXX XXXX XXXX opened on XX/XX/XXXX These accounts have resulted in several fraudulent Charge offs and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the Charged off accounts in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, Charge offs or collections 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 Charge Offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, and # 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: Student loan

My daughter has a Sallie Mae federal loan. She is two weeks late in making her payment for XXXX. I have talk to a rep at Sallie Mae explaining why XXXX is late and told them I would let her know that she has two more days until her loan goes into collections. I have communicated this information to my daughter. We are both still getting two to three robo calls per day since the conversation with the Sallie mae Rep. I 'm even getting them at my work number. This is bordering on harassment. When you have been in communication with them why do they need to continue to call excessively?
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there are unauthorized accounts being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 Account Enhanced Recovery Company XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a bankruptcy that i have disputed for almost 2yrs. I have asked for verification/validation of this and the bureau has yet to respond with the information. It is incorrect information and they are still reporting the inaccurate information with no proof of whom they spoke with and the phone number of said person as well as the Date and Time they spoke with them So that i can follow up with that person on this matter.
Product: Credit reporting 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. I paid the original creditor before the collection/charge-off status Account information is inaccurateAccount name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Collection Agencie/ original debtor XXXX XXXX XXXX Reported on XX/XX/year> Balance {$620.00} Account details XXXX XXXX Account status/number XXXX Date opened XX/XX/year> Contact info XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX Account details Experian Account type Collection Account status/number XXXX Date opened XX/XX/year> Date closed XX/XX/year>XXXX  Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) has violated my rights .

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

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 USC. 1681-2 ( 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: Debt collection

I have received thousands of calls from this company 7 days a week. I have asked them to take me off of their list as I do not owe any debt. They just called me at XXXXXXXX XXXX. They call me after XXXX at night all the time, Sundays, holidays. They have called my family and coworkers to tell them I owe debt. They scream at me or hang up when I tell them to stop calling. They have been harassing me for years and I am fed up. They call me from different numbers all the time. I use my phone for business and they constantly disrupt me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on COMENITYCAPITALXXXX XXXX XXXX Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. 
XXXX XXXX Opened Date XX/XX/2017 Balance {$0.00} // Charge Off
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry in my credit report from : Syncb/walmrt on multiples days as XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX. 

Also from XXXX XXXX on multiples days as XX/XX/XXXX * XX/XX/XXXX * XXXX XXXX, XXXX * XX/XX/XXXX. 

And last but not less important from XXXX XXXX XXXX, XXXX XXXX, multiples days as XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX * XX/XX/XXXX. 

I have not authorized any of these companies to run my credit with the intentions for approval of a credit card, marketing or any kind of this matter.
Product: Debt collection

In reviewing my credit report I found an account on collection held by XXXX XXXX PH : XXXX XXXX XXXX Amount : {$2700.00} Original XXXX XXXX XXXX XXXX XXXX XXXX Florida It is true that I was XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX but my bills were paid my XXXX and since I had never heard of such debt ( no one ever contacted me about it ). On XX/XX/2023 I contacted XXXX XXXX of XXXX Florida, Billing inquiries, PH : XXXX XXXX XXXX, and after searching using my name and date of birth they were not able to find anything on my name, they did tell me that since it was an older bill they would be better able to tell me something if I could provided an invoice number. 
So, the same day, XX/XX/2023 I called XXXX XXXX, the lady that took the call, after I identified my self and explained what I needed, told to call XXXX XXXX XXXX where they would be able to provide me with the invoice number, the number turned out to be for XXXX XXXX XXXX XXXX XXXX XXXX 
I called them again and them some other lady took the call and after a bunch of bla bla told that she would email me the information, which she didn't. 
I'm sure that when you talk to them they will denied all of this and will tell you that I'm an old man and didn't understand what they were saying, and that I gave them the wrong email. It is true that I'm XXXX years old, but I assure you that I'm not senile and that what I just wrote is the truth. 
I'm sure that you will be able to clarify this situation. 
I appreciate your help, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I never had an account with this company. They never sent me information with my signature within 30 days. 
XXXX XXXX {$460.00} I never had an account with this company. They never sent me information with my signature within 30 days. 
Commonwealth Finance {$160.00} I never had an account with this company. They never sent me information with my signature within 30 days.
Product: Student loan

Nelnet does it apply payments as directed. Ive been trying to make extra principal payments to some loans when I can. This happened more than once, when I called to fix it last time, they re-did the same wrong way. Their website is UDAAP and misleading. Most recent example : I have auto debit set up for payment amount XXXX of each month. I followed the websites instructions for extra payments which is On their special instructions page, I selected do not advance the due date, on the payment page, which is how it says you instruct extra payments to go to principal. Their site says use the pay by group page to target specific loans. It says in their website that the auto debit will still occur as scheduled and say so as you submit the payment. So on XX/XX/XXXX, I paid the payment due at the time, then expected ( based on their website ) the auto payment to still occur on XX/XX/XXXX and that the XX/XX/XXXX auto payment would to principal but the auto debit doesnt go thru, which is contrary to what their website says. If I try to make an extra payment now manually through their website, it will apply to the XX/XX/XXXX payment instead of principaltheir payment page doesnt allow you to apply extra toward principal unless you pay double or more of the payment amount. So for example, when I try to pay extra {$50.00}, there is no option to have that apply to principal, it holds it as a partial payment for the next due date. I even called to ask how this last time this happened ( waited 3 hrs on hold ), the representative said I have to select the due not advance due date button- but again that only appears if I submit at least double the payment. The representative said cant see the same screens that borrowers do so she didnt know how and wasnt able to instruct me how to make extra principal payments ( unless it was at least double ). She even called another department and had me on hold and didnt have info on how. Its very misleading.
Product: Student loan

My student loan accounts were suddenly reported to credit bureaus as being unpaid. My student loan provider, Nelnet, made absolutely no effort to contact me via any method ( phone, email, traditional mail ) to let me know that they were due, let alone delinquent. I have the same phone number and mailing address as when I signed up for the student loans. My credit score immediately dropped due to not making payment on them because I was not contacted in any way to let me know that payments were due. I would be more than happy to make the payments once I know that they are required to be paid, but as stated Nelnet did not make any effort at all to contact me and let me know that it was time to start making payments.
Product: Credit card or prepaid card

Purchased XXXX XXXX gift card from XXXX XXXX XXXX on XX/XX/2022 in the amount of {$100.00} paid XXXX. Opened the gift card tried to activate for use and was denied. Once the card is opened, XXXX can not take it back. Called the company XXXX XXXX XXXX XXXX ( on packaging of card ) XXXX they told me that since the last XXXX numbers on the card did not match they can not assist me. I've been calling repeatedly and was told to send a fax with a copy of the receipt, front and back of card, and government ID. I resent the fax 3 times, called 1 week after sending each fax XX/XX/2022, XX/XX/2022, XX/XX/2022, only to be told that the to send another fax. I can't imagine how many people this happens to and they don't fight for their money back. I want my {$100.00} back.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I repeatedly receive robocalls leaving a message from NCB Management Services, XXXX, attempting to collect a debt for XXXX XXXX XXXX ( sic ). I have no idea who this person is and have owned this phone number for over a decade. I have talked with several representatives of the company and each time they say they will remove my phone number but I receive a call the next day. Not only is this an erroneous number but I believe they are violating the Fair Debt Collections Act in several ways. They are leaving a voice message that says they are a debt collector attempting to collect. My understanding is that is illegal as others could hear the information. Further if you listen to the message hoping to get a person to remove you, it states that by continuing to listen you affirm that you are XXXX XXXX XXXX. I believe that is also a violation. I have made multiple attempts to the company to stop this continued harassment with no success.
Product: Mortgage

I want Ocwen to remove the balance I do not owe. 
I do not owe them for the money I already paid to other servicers. 
I want them to refund the money I just paid for the escrow on XXXX other properties in which they have no security interest and the XXXX payoff balance of the XXXX that was foreclosed in XXXX and the {$57000.00} down payment I made in XXXX. 

I have paid all of the principal interest taxes and insurance on a 30 year loan I want them to realease my lien and refund the money I did not owe. 

In addition they have nothing in writing for a new loan. 
I have paid all of the balance of the modified loan I have paid all of the escrow on XXXX properties ... twice. 

They can use the escrow they had no right to pay to another property to pay my insurance and the escrow shortage and refund the remainder
Product: Debt collection

AFNI ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$140.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Mortgage

I begin my refinancing applications with Chase bank in XXXX of XXXX. I am refinancing 4 homes including my primary residence. All of my current mortgages that I am refinancing are also currently with Chase bank. All loans are current. All four loans were offered slightly different interest rates between 3.5 % -4.5 %. Anticipating XXXX raising the interest rate I asked my Lending advisor- employee of the bank to lock the rate, end of XX/XX/2022. He confirmed the locks. However, ultimately he confessed that he did not lock when we discussed the matter and was apologetic for his mistake. He thought that interest rates would dip again and he would lock but they never did. By now each mortgage interest rates are about 2 % higher than initially quoted on total loan amount of about XXXX. Chase bank admitted the mistake as it is documented in the email correspondence but refused to accept any responsibility for mistake by their employee. I threatened legal action. After matter going up the chain they stated that they would offer me loans with interest rates initially agreed upon. Now nearly 2 months and several intermediaries ( Chase employees ) we are nowhere close to getting done. Chase has implemented process of unending document requirement in hopes of discouraging me to continue process with them or to find something that they can point to as a reason to not make the loans. I am seeking consumer protection against a major XXXXXXXX XXXX that does not want to own up to its employee 's mistake to make things right. I am writing this letter in hopes that some Federal oversight agency that is neutral, has authority to investigate my complaint and has ability to punish the lender for its wrong doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau is the only credit bureau that is incorrectly reporting my XXXX XXXX business credit card. XXXX has admitted they did not apply my payment on XX/XX/22 and thus caused my account to be XXXX XXXX late. Once I showed them proof, they corrected this error. Equifax however continues to report misinformation showing the XXXX account is still late. Equifax is clearly not reporting the proper payment history from XXXXXXXX XXXX. I have documents showing indeed I paid this account on time and have never been late.