23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Apparently, a XXXX debt for my daughter XXXX XXXX adult for which I have court appointed legal guardianship ) has been turned over to this collection company. I have been paying on this debt for over two years at the agreed amount of {$50.00} per month. The collector XXXX took my statement verbally as legal guardian. When told that I have a payment agreement with the debtor and had made payments perfectly, her attitude and statement was " come on sir, we are XXXX too old for these games ''. During the call, which was on my cell phone, the sound dropped for approximately 10 seconds, after which she became extremely beligerant and stated again " we 're too old for this ''. Basically, nothing was accomplished except her implying that I am not telling the truth. I told her when I got back home I could send her the payment records. After this call, I called her supervisor and he was less than agreeable to help. After hearing that I wanted to register a complaint, he said he could not discuss my daughter 's account without proof of legal guardianship. I have the letters from the court that I could forward to him. He all but hung up on me with again no resolution. Based on his actions, I now have another complaint against the company regarding discussing the information on my daughter 's account without proof of my court appointed guardianship. The first collector freely discussed the account based on my verbal statement. The second person said they could n't do that. So someone broke the law. I guess it is their choice as to who they want to determine violated the law ... the first person or the second person.
Product: Debt collection

XXXX XXXX XXXX : XXXX ACCT # XXXX [ PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX VA XXXX ] According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. Thanks,
Product: Credit card

I had agreed to a promotional offer on a purchase of no interest charged for a period. I selected autopay to pay the minimum amount to avoid interest. After the promotion expired, the balance was not automatically paid in full. Instead only the minimum continued to be applied. Synchrony bank also added all interest accrued during the promotional period because the amount was not paid in full. This feature was not made clear in the promotion advertising. Due to this error, my account has accrued XXXX XXXX XXXX in interest and synchrony bank refuses to waive any of the interest charges.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I prepared and mailed off letters to the XXXX major consumer reporting agencies Equifax, XXXX and XXXX below is a copy of the letter : I am writing to formally request the deletion of a bankruptcy entry from my consumer report. This request is made pursuant to the provisions of the United States Code ( USC ), specifically those relating to permissible purposes of consumer reports and the handling of information resulting from identity theft.

Details of the Request According to 15 USC 1681b ( 2 ), consumer reporting agencies are only allowed to furnish a consumer report under specific circumstances, including receiving written instructions from the consumer to whom the report relates. Additionally, 15 USC 1681q stipulates penalties for obtaining consumer information under false pretenses.

Legal References 15 USC 1681b ( 2 ) : This section outlines the permissible purposes for obtaining a consumer report, one of which includes obtaining written instructions from the consumer.

15 USC 1681q : This section details the penalties for obtaining consumer information under false pretenses, which can include fines and imprisonment.

18 USC 1028A : Defines aggravated identity theft, stating that using someone else 's identification without lawful authority is punishable by additional penalties.

15 USC 1681c-2 : Requires consumer reporting agencies to block information resulting from identity theft within four business days after receiving notification from the consumer.

Request for Action Given the provisions outlined above, I request that the bankruptcy entry on my consumer report be deleted. The entry was not authorized by me, and therefore, the information was obtained and used without my lawful consent. 
Please confirm receipt of this request and provide a timeline for when the bankruptcy entry will be deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Product: Mortgage

I have a mortgage with 1firstbankflorida for 10 years. XXXX each year I receive a review of my account In Febrary This year I received a notice dated XXXX/XXXX/2016 my escr escrow account was short {$570.00}. days later I received a notice that my escrow account was short {$430.00}. I phoned, spoke w/XXXX XXXX, and was told she would check into it but to pay the shortage ( created by a change in insurance company ) of of {$420.00} which I did. 
My next letter after check was received showed a shortage of {$280.00}. ( XXXX less {$420.00} balance should be {$12.00} ) ... and still another letter saying escrow was short {$290.00} which, if not paid by XXXX/XXXX/2016 would result in monthly mortgage payments of {$1200.00} rather than the XXXX projected. 
I was ( verbally ) told not to pay the {$290.00} by XXXX XXXX and now my records shows me owing that {$1200.00} rather than the {$1100.00}. My taxes were raised XXXX this year and insurance lower by {$100.00}. 
How can I owe this????? 
also one statement shows them paying {$810.00} for homeowners ( which was what my direct bill showed ) and their statement showed {$810.00} then {$89000.00} and the government XXXX shows they paid {$1000.00}, How can a bank have so many variations in their accounting? I do not trust their figures at this point and would like a government check on their records.
Product: Debt collection

In XX/XX/XXXX and XX/XX/XXXX XXXX collection accounts XXXX for {$3500.00} and XXXX for {$5200.00} respectively were placed on my credit reports by Portfolio Recovery Associates. I had never received any notice in regards to these two accounts and know nothing of their existence until they appeared on my credit reports. I requested numerous time over the past three years for the collections to be investigated with the credit reporting agencies and never got any resolution. On XX/XX/XXXX, I certified mailed this company Debt Validation request letters with return receipts. To my knowledge they received the requests but never bothered to send the return receipts back. I know they received my requests because on XX/XX/XXXX I received responses to my debt validation requests with information from the company showing credit card statements and a letter stating that they will not do an investigation for lack of information. This does not satisfy as being debt validation. To this day Portfolio Recovery Associates has yet to properly validate these two collection accounts. I have uploaded the validation requests that were sent certified mail on XX/XX/XXXX along with correspondences from Portfolio Recover Associates with an Address I have never lived at. For the record I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear BRIDGECREST, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that BRIDGECREST has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for BRIDGECREST to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that BRIDGECREST immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that BRIDGECREST will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Mortgage

Shellpoint Mortgage Servicing refused to provide the contact information for the Bureau of Consumer Financial Protection. During a call in which they requested documents to be sent again for a loan modification, I was speaking to a representative named XXXX on the date of XX/XX/2017 and had had enough of their incompetence and requested the contact information of the Government entity that regulates them. XXXX refused to provide the name of the CFPB ( which I had to XXXX ) and the contact phone number. She said the information was on the statement and when I demanded she provide the information she terminated the phone call. Reviewing the mortgage statement from Shellpoint Mortgage did not provide any contact information for the CFPB to launch a complaint as indicated by the representative.
Product: Credit reporting or other personal consumer reports

Why do the negative accounts still remain on my credit report until now, even though I have long wanted to have them removed? I have filed numerous complaints about this, yet they have taken no action. I now want the negative accounts to be removed and the responsible parties to be fined appropriately because their inaction has greatly affected me
Product: Credit card or prepaid card

Hello My Name is XXXX XXXX. I recently just looked online at my report. I see a charge with capital one credit card line of credit thats been use that I know nothing about. This is not my charge I never open this line of credit of {$4000.00}. The only capital one credit card that I know of is the one for {$300.00} dollars that I personally open to start of to build my credit. Someone have used my identity an this is fraud. I also see on my account a XXXX line of credit as well that I never applied for as well. I called XXXX they noticed there isnt a open account but I can see someone tried to apply for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TOO MANY OPENED ACCOUNTS PLUS NEGATIVE ITEMS THATS SHOWN ON MY CREDIT REPORT FOR ALL 3 CREDIT BUREAU AND THATS DECREASING MY SCORE EVERY SINGLE MONTH
Product: Checking or savings account

Took out an XXXX XXXX loan in XXXX during the pandemic. The funds were released from the XXXX to capital one spark business account. The account was then closed and suspected fraud was the reason given. Capital one then said they returned the funds to the XXXX and the XXXX says they have no record of it. I have tried numerous times to get a transaction history or some sort of tracking from capital one with the same 'nothing we can do ' response. I have tried having sba trace it but of course they only see the deposit to the business account. I have been having to pay on this sba loan to keep it from affecting my credit but at a dead end with both companies on finding where the money went.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has my rights. 

15 USC 1681 Section 602 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 an account with my written instructions.

15 USC 1666B : A creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Product: Debt collection

XXXX University signed me up for classes without my knowledge. I was under the impression that I was waiting on a student loan to be approved. I had told them this. When the loan finally went through, I emailed them to register for classes. They never responded. 

They sent me to collections for tuition never paid for the classes they registered me for without my knowledge. I told the collections company that I had never registered and provided them with my correspondence that was never addressed. They acknowledged the error and told me they 'd tell the original creditor. I thought it was resolved. 

Today, three months after talking to them and providing proof the debt was not legitimate, I found out they have been reporting this to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax a certified letter dated XX/XX/21 in reponse to their methods of verifing these 5 accounts listed as Dept of Ed/ XXXX XXXX These accounts are seriously being reporting inaccurately. Because of the nature of circumstances and how these accounts are negatively affected my credit I am asking for a non automated investigation. I need Equifax to provide me with a copy any viable evidence bearing my signature showing these accounts being reported accurately. Once i can get this information i can deal with XXXX directly. Equifax as of today has failed to provide any of my mentioned requests. Once again this is a federal law that Equifax is violating
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I am writing to dispute the following information in my file : This item XXXX, which is classified as an Individual Chapter XXXX Bankruptcy with an owed amount of {$0.00}, and listed in Dismissed/Closed status per Equifax, This item XXXX, U.S. Bankruptcy Court, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed per XXXX, and This item XXXX, U.S. Bankruptcy Court, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX, which is classified as an Individual Bankruptcy with an owed amount of {$0.00}, and Dismissed, is inaccurate because I would not file for bankruptcy if I had absolutely no debts included in this bankruptcy. This means that I am liable for nothing. In addition, the dates that this item was supposedly filed are inaccurate. This item is listed on my XXXX report as being filed on XX/XX/XXXX, on my Equifax report as being filed on XX/XX/XXXX and on my XXXX  report as being filed onXX/XX/XXXX. I am requesting that the item be removed because it is negatively impacting my credit score and giving false information to potential lenders. After sending a letter to all three bureaus, I was not given an answer to the investigation, instead I was sent a letter to verify my current address, which Ive already done, and a letter stating that the item has previously been disputed and they dont want to investigate it again.
Product: Mortgage

Wells Fargo is sharing stolen money from my Mortgage with members of the XXXX Tax Collector 's Office in Arkansas. Since XX/XX/XXXX Wells Fargo has sent enormous checks for property taxes totaling {$130000.00} supposedly for my Property Taxes. The property taxes on my small home in XXXX Arkansas are typically {$470.00} or less. The payments made by Wells Fargo to the XXXX County Collector 's Office is a {$120000.00} flagrant overpayment. I believe Wells Fargo is sharing the money they have stolen from my Mortgage Account # XXXX with Arkansas State Officials. I have provided evidence these payments have been made and received by the State. 
Please go to this link to see live data on the Arkansas Collectors website http : XXXX Credit Amt Total XXXX Current XXXX XX/XX/XXXX {$0.00} {$11000.00} {$0.00} {$11000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$10000.00} {$0.00} {$10000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$14000.00} {$0.00} {$14000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$16000.00} {$0.00} {$16000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$17000.00} {$0.00} {$17000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$16000.00} {$0.00} {$16000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$25000.00} {$0.00} {$25000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$16000.00} {$0.00} {$16000.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$420.00} {$0.00} {$420.00} XXXX Current XXXX XX/XX/XXXX {$0.00} {$470.00} {$0.00} {$470.00} Total {$130000.00} I am the victim of Elderly Abuse. I am XXXX years old and I have a XXXX. I am currently in a XXXX and use a XXXX. This week I am having my daughter drive me XXXX Miles from my home to XXXX Arkansas to send a Bank Check to Wells Fargo because they have falsely claimed I owe them money when they have stolen my mortgage payments for years. Wells Fargo Bank Officials and Arkansas State Officials are stealing money and homes of Elderly people like me all over the state. Please investigate and put these people in jail. I may die before there is an end to this investigation but please do not stop punishing people that steal from the defenseless.
Product: Credit card

On Friday, XX/XX/year>, I was shopping at XXXX when I tried to pay for my item, I was surprised to find that my Bank of America credit card ( BOACC ) was declined. I tried the second time with no success. So, I paid for the items that I purchased with a different card. The next day, I received a prompt from my Apple Pay saying that I needed to remove the BOACC from its platform. I thought a mistake had occurred. I called BOACC customer service on Saturday XX/XX/year>. They did not give me any reason for the issue except that I needed to call the collection department on Monday. On Monday XX/XX/year>, I called BOACC and was transferred to the collection department and asked why my account in the collection is even though I had never missed a payment and my balance of BOACC was {$100.00} out of a credit limit of {$3000.00} by which I paid it right away thinking that was the issue even though no payment was due. The customer service employee did not know what the issue was and told me that my account was and is in good standing she did not know why my account was closed except that I needed to talk to the Risk department and then she said if anybody told you about the closure of the account, I replied that no one from BOACC reached out to me. She apologized and told me that she would file a complaint on my behalf. The following day, I received an email thanking me for the payment of {$100.00}. As of this filing, no one called me about the closure of my account. 
FYI : CC account # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION : THE FOLLOWING CREDIT REPORTING COMPANIES ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ; APPLE CARD / GS BANK, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

XXXX XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

THE FAIR CREDIT REPORTING ACT 623. Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate Unfortunately this is not the first instance of negligence I have experienced as creditors and credit reporting agencies are often negligent and fail to report or update my credit file on time!
Product: Debt collection

I never open an account with these companies and I believe the accounts are fraudulent : XXXX. XXXX XXXX- an account was open on XX/XX/2019 for amount {$1100.00}