23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been repeatedly contacted by a woman named XXXX since XX/XX/XXXX. This is a {$600.00} bill that I have already sent a check for inXX/XX/XXXX directly TO the company it was owed to. Im not sure why they never cashed it, I should have followed up, but was 6 months pregnant, working overnight, and taking care of my XXXX  year old during the day in between my XXXX XXXX shifts at the time. I received a call from XXXX, and played dumb about it. Never responded to another call again. She finally called this morning and I had just gotten my XXXX  month old back to sleep. I had been up since XXXX XXXX when I got home from work with both kids, and reached my breaking point. I called, told her my name, and said my account has already been sent to collections, there is no need for you to contact me further. XXXX went and left my father a SECOND voicemail. She called him TWO TIMES in a ROW from 2 different verified AMS numbers. This is harassment. I am XXXX years old, and do not rely on anyone for financial support other than myself. I am a single mother of XXXX children, and for her to call my father really makes me crazy. Its hostile, its harrassing, and its wasting his time while he is at work having to listen to a voicemail about nothing of his concern. 

The company this bill came from originally is called XXXX XXXX and XXXX in XXXX XXXX, CA, USA.
Product: Debt collection

Company is AD ASTRA RECOVERY the payday loan was PAID IN FULL. The initial loan, according to my credit report, was XX/XX/XXXX. It was a payday loan from XXXX  XXXX XXXX # XXXX in XXXX XXXX. 
Because it was paid. I never received a letter or phone call, EVER. I recently got a home phone number. That's when the calls started. They called my house, told first my XXXX yo daughter that I needed to call them ASAP because they had a warrant for my arrest, and tried to get her to give them my home address. Which of course she didn't. My daughter was so upset. They called right back, my husband answered this time. He asked them, not so nicely.. Who they were and why they were calling. A woman stated that there was someone on their way to my house to arrest me, and she needed to verify my address. He laughed ever so rudely and replied, " My wife works for a XXXX XXXX '' which is true and not to call again. 6 more calls came in bk to bk in a matter of 10 minutes. I work nights so I was asleep, but woke up with the commotion. I called the number that called and was yelled at to give my address. That a process server was on their way with a warrant. I laughed, cause see, I with common sense, know a process server doesn't arrest people for one. For two, I work for a police department as my husband had stated earlier, and one of my XXXX XXXX is to XXXX XXXX into the XXXX XXXX. So I told her that, concluded with, I'll wait for the process server to come arrest me, and disconnected. They placed another hit on my credit report XX/XX/XXXX. This can not be OKAY RIGHT?!
Product: Credit reporting or other personal consumer reports

The Inquiry transaction - XXXX XXXX XXXX : XXXX XXXX 2023, was not made by XXXX XXXX. It was a violation of 15 U.S. Code 1681c2 in the very least. XXXX XXXX never gave EQUIFAX written consent as according to U.S.A. law, to furnish the inquiry information on the consumer report. No evidence of such written consent is in existence.
Product: Debt collection

Filed complaint XXXX. The Company in question responded. Response was not factual yet the notice from CFPB was that the complaint was closed. Really? The company just has to file any response with CFPB and you close the case regardless of violations of the law?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.XXXX   XXXX {$2000.00} XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX {$2400.00} XXXX XXXX {$360.00} XXXX XXXX XXXX {$140.00} XXXX   XXXX {$860.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and to request that you block and delete any accounts that may have been compromised, pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ). As part of my request, I ask that all accounts associated with the inquiry listed below be removed from my credit report, as they are the result of fraudulent activity stemming from this breach. 
Inquiry Details : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies and inconsistencies in the negative items being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure that all reported information is accurate, complete, and verifiable. The items listed on the letter fail to meet these standards and are causing significant harm to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want an immediate credit freeze from XXXX, ( and the other two companion credit bureas ) due to XXXX 's data breach, but they want to charge me for it unless I can PROVE I am a victim. XXXX is currently failing to notify ANY victims, and the breach has been known for over 1 MONTH! XXXX SHOULD NOT BE ALLOWED to charge for a credit freeze of any of their customers when their own carelessness is responsible for the data loss. Offering me credit monitoring IS NOT A PROPER SOLUTION.
" Atlanta-based XXXX, one of three major U.S. credit bureaus, said Thursday that " criminals '' exploited a U.S. website application to access files between mid-XX/XX/XXXXand XX/XX/XXXXof this year. XXXX discovered the hack XX/XX/XXXX, but waited until Thursday to warn consumers. 'XXXX XXXX XXXX XXXX
Product: Debt collection

I have already disputed this and won but they didn't remove it from all 3 credit bureaus.
Product: Debt collection

In XX/XX/XXXX I discovered a issue with my credit report. I noticed there were some accounts reflecting on my report that did not belong to me. I disputed the inaccurate information and notified the credit bureau and the collectors that I was a victim of identity theft. I filed a identity theft report with the consumer financial protection bureau ( XXXX ) as well filed a police report with my local XXXX department on XX/XX/2018 ( police report # XXXX ). I sent out a letter to the credit bureau providing them with the necessary information. The reason for my compliant is to report XXXX. They are continuing to report inaccurate information on an account that does not belong to me. Other bureau 's ( XXXX, XXXX   ) has deleted this information yet XXXX is non compliant. I have requested this information to be removed from my report immediately. It has been well over a month with no response from XXXX. 
The accounts are as follows : Creditor ( since the last time I filed the report they have since removed their name from the report. 
Account # XXXX This account was filed in the identity theft report and is still reporting inaccurate. This account does not belong to me. I am victim of identity theft.Please remove immediately Also account XXXX XXXX is also being inaccurately report on my XXXX report XXXX XXXX Account # XXXX This account was filed in the identity theft report and is still reporting inaccurate. This account does not belong to me. 
Please remove immediately
Product: Credit reporting or other personal consumer reports

There seems to be an identity theft going on with my Transunion credit report as someone tried to apply for a credit card with a banking institution named XXXX XXXX XXXX using my name, SSN and other details
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C. 1681. Sec. 602 states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( a ) sec. 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a XXXX XXXX XXXXXXXX under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
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 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 15 USC 1681 states I have the rights 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.

15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC. 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 incorrect.

Below I have attached the documents from my credit report circling inaccurate and incomplete information on my credit report for a long period of time. Moving forward I would like this Information to be deleted or removed from my credit report.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was shocked to see accounts I dont recognize. I cant understand why this is happening since Ive always kept track of my report. I tried refreshing the page multiple times, hoping it was an error, but the accounts stayed there. Im pleading with you to carefully examine the documents Ive provided so I can stop feeling this constant XXXX
Product: Student loan

On XX/XX/22 - I called Mohela at XXXX and was on the phone for 1 hour and 19 minutes. During that time, I spoke to one person who told me my XXXX employer certification was not qualified because the signatures were not legible. How is a signature legible? It is a signature. The form is attached and signed by the HR representative of the XXXX XXXX I have worked in for the past 7 years.These forms were already approved by my previous lender XXXX. I asked to speak to a supervisor and was put on hold for over an hour. Nobody answered and when I called back the call center was closed.
Product: Student loan

I've never been able to make a single student loan payment. Their records show this. I've tried on multiple occasions to apply for income based repayment plans or loan forgiveness and have always been told I " make too much '' to qualify. However, they always extend the option of forbearance which is counter productive and adds more money to loans I already can't afford to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month I pulled my credit report and noticed many accounts that on are inaccurate or do not belong to me. 
I sent Experian letters on XX/XX/XXXX2022 asking them to not only verify these accounts but to produce proof of the method of their investigation. 

Below I attached letters sent to this company on XX/XX/XXXX ( estimated time of arrival XX/XX/XXXX, mailing receipts showing when they received the letters, the 2nd set of letters stamped and signed by a notirized official and a mailing receipt for that as well.

Experian did not verify these accounts- 1st violation. 
Experian did not update the status of these accounts to under dispute by consumer- 2nd violation.

Experian did not provide their method of investigation- 3rd violation The only update I see to my account is that Experian added the same collection to my account TWICE! This is illegal. I asked them to verify XXXX Retail XXXX account and they ignored that request but on XX/XX/XXXX they added the same collections account to my report under XXXX XXXX XXXX XXXX It is illegal to have the same account posted twice but under two different names!
Product: Credit card

After receiving my statement on my PayPal credit account in XX/XX/2023, there was {$5400.00} worth of charges in the amount of {$100.00} OVER AND OVER again. All from XXXX. I contacted XXXX and they told me to dispute directly with my PayPal account because I have fraud protection through them. I did that. However, after disputing all these charges they keep sending me a message of you participated or benefited from the purchases! I have had it re-looked at about 4-5 times now With the same resolution. These ARE NOT my charges! XXXX agrees they are fraud. Synchrony bank is who takes care of PayPal credit, so thats who is refusing to remove the fraud. Its VERY OBVIOUS fraud! They refuse to remove it. 

Also, when I noticed this statement fraud from PayPal Credit, I noticed 3 of my other cards were hacked and my bank account! All the same charge amounts of {$100.00}. My bank and these 3 other cards took the fraud off! Synchrony Bank is refusing to!

Im angry. Ive been just sick about it and feel helpless because they wont remove it! Ive made COUNTLESS phone calls and spoke to a ton of people to no avail. Ive asked for proof that shows them these charges are mine. Nothing. They keep telling me XXXX is confirming my email address on the charges. Well of course they have my email..my account was hacked!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes with experian to remove XXXX from my credit report the balance was paid in full, why is it still being reported as a charge off account and is showing potential negative impact on my credit report. I have spoken with XXXX and the manager stated nope from experian has requested and information from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$93.00}.
Product: Mortgage

My mortgage was taken over by Flagstar Bank in XX/XX/2019. They sent a letter that they needed my insurance information or they would purchase homeowner 's insurance on my behalf. I uploaded a copy of my insurance information numerous times and yet they kept saying they didn't have it despite paying my premium on XX/XX/19 in the amount of {$300.00}. I continued to call and was told they didn't have the insurance information even though they'd paid the premium and I sent more copies of my insurance. I was then told in XX/XX/2019 that they did have my homeowner 's insurance but they needed my XXXX   insurance, which I provided numerous times on their website as instructed. Still I'd call weekly and they said they didn't have it, I gave them the name of my XXXX  and the insurance carrier on 2 different episodes, was put on hold while they called them, told me they did speak to someone at the XXXX and insurance carrier and that proof was being faxed and my account would be reimbursed the {$290.00} they'd charged for insurance I did NOT need. I continue to call and am told they don't have it and they'll call me when they get it, but they do not. Today, I spoke to a " supervisor '' XXXX and was told they received it on XX/XX/19 and it " usually '' takes 3-6 business days to " process '' it and refund my account. Today is the 6th business day and still I have not had my account reimbursed for the {$290.00}.
Product: Checking or savings account

I deposited a state check into my checking on Monday XXXX XXXX. The bank put a hold on it until Monday XXXX XXXX. They put my account into the negative for the amount of the check and I have a deposit coming in directly that will be tied up with this check on hold plus my own money. I tried to get them to remove the negative balance and they would not. I dont see how they are allowed to make my account negative for a check hold money that I have not got, plus take my direct deposit to cover the negative amount. This is how Huntington Bank is treating there customers..
Product: Credit reporting, credit repair services, or other personal consumer reports

im a victim of identity theft there are several accounts on my credit report that ive disputed but the credit bureaus have not removed these accounts ive filed a report with the ftc and a police report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an item on my credit report. An account by XXXX XXXX is incorrectly on my credit report. I sent a cease and desist letter by certified mail to XXXX XXXX on XX/XX/2021 to have them stop harassing me with phone calls and unwanted communications and they keep calling. I never gave them permission to place any of my personal information to the credit reporting agencies. I have asked them to provide proof of me ever giving permission to have them sell my information and they have failed at that. I have contacted XXXX, XXXX and Transunion about a fraudulent account on my credit report and they have all failed to do their jobs which they are required to do under the FCRA. I submitted an FTC report and 2 forms of identification and they have failed to block this illegal account. I am filing this complaint against XXXX XXXX XXXX XXXX for Account XXXX. I am filing this complaint against XXXX, XXXX and Transunion for not blocking this information from my credit report. I submitted this information to them over 30 days ago. It was sent on XX/XX/2021 and no action has been taken. Very illegal!
Product: Debt or credit management

XX/XX/XXXX Hunter Warfield XXXX XXXX XXXX XXXX XXXX XXXXXXXX VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Re : XXXX XXXX Address : XXXX XXXX Corporate XXXXXXXX XXXX XXXXXXXX Account # XXXX Dear Hunter Warfield, I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the {$2000.00} debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. None of the above were provided to me. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and XXXX XXXX XXXX ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. 

Thank you for your immediate cooperation. 

XXXX XXXX XXXX
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, the Bureau 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 : Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Inquiries : XXXX XXXX XXXXXX/XX/year> : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.