23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter in the mail stating that BAS MANAGEMENT was collecting on a {$30.00} debt owed to XXXX XXXX XXXX XXXX XXXX. I don't know XXXX  XXXX XXXX XXXX XXXX and I have NO outstanding debts for {$30.00}. I called the BAS MGMT to report this fraudulent claim but they had no interest in talking or verifying the information. They responded by harassing me and asking questions in an attempt to acquire personal information and then hung up on me when I cautiously questioned them on objective. 

ADDRESS BAS MANAGMENT XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXX  account 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 602 A SECTION 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I was supposed to have a forbearance but it was n't applied to my loans properly and it was reported to the credit bureaus that I was late on payments
Product: Credit card

That time on month again. I need to file the monthly complaint against this group. 
( USAA XXXX XXXX XXXX XXXX XXXX, TX XXXX ) For the XXXX knows how many th time they have the log in screwed up. Support refuses to answer the phones. They continue to HARASSS me about this XXXX " paperless '' XXXX when they ca n't even run a web site. probably XXXX time complained about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been dealing with an issue involving Equifax and XXXX XXXXXXXX XXXX for a few months now. It was said that I was late several times so I disputed this as it was wrong. Then the matter was rectified and the account was updated to never late. A few days after that a late payment was added to my credit report. I really need this issue to be fixed and to report as on time, never late. This one issue is very painful and holding me back in life. I keep hearing different explanations for why this is allowed to go on but enough is enough. I also have not been able to login XXXX for a while now in order to submit proof that this issue has been fixed before already.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE XXXX XXXX XXXX BY SILENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries on my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information related to identity theft removed from my credit file. Please process this request as soon as possible to help safeguard my personal information and credit integrity. 
Accounts to be Blocked and Deleted : XXXX XXXX AUTO - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1500.00} XXXX XXXX  XXXX - XX/XX/XXXX XXXX {$89000.00} Inquiries to be Removed : XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit card

I am experiencing financial hardship and contacted Capital One to request a structured hardship payment plan to lower my monthly payments while keeping my account in good standing. Despite multiple requests, both the representative and the supervisor refused to provide any hardship payment plan options, only offering deferment, which does not address my financial situation. 

On XXXX of the calls, I escalated the issue, the supervisor made it clear that Capital One does not offer structured hardship plans and even implied that if I couldnt pay, it was fine for my account to go delinquent. This response was extremely unhelpful and dismissive, especially since I am actively trying to work out a solution. 

I saw other customers who were offered structured hardship plans, and I believe Capital One should provide reasonable hardship accommodations to help customers avoid default. Their refusal to even discuss a structured payment plan despite my financial hardship seems unfair and predatory.
Product: Debt collection

I didn't know I owed anything until I saw the collections notice on my credit report. This collections agency never called me. Sent an email, or mailed me any kind of notice that I received. The collections is from a XXXX XXXXXXXX credit card that they bought the debt from. I gathered this from what is written on my credit report. I had paid this debt through a credit card consolidation I had done many years back. I disputed this debt with the company and no one has reached out to me or removed it from my credit report. I won't pay this debt twice. It needs to be removed from my credit report.
Product: Credit card or prepaid card

My complaint may seem silly to some people but, to me, it's serious and I can't get any help with it or even any acknowledgment that anybody has read it, and certainly no acknowledgement that anybody cares. 

It involves Banks and Credit Cards and phones. 

I can not use a phone. 

Specifically my complaint is with : # XXXX XXXX XXXX XXXX and their XXXX credit card ; Background : I opened a credit card account, without using a phone, via internet, approximately a year ago. I was satisfied with the credit card rules, regulations, fees, charges and internet operation until about XXXX months ago. At that time, for no reason, I was denied access to my internet credit card account. 

Every since then whenever I attempt to log into my account I enter the exact same information I opened the account with, { the same information I used for several months before they started this new XXXX } and I get this : " we can not verify your information. call this number or log into your account and send a secure email '' I have wasted several hours trying to find a way to contact somebody connected with my internet account and the best I have found is : call this number or log into your account and send a secure email. 

Through no fault of mine, I can not use a phone. 
I opened the account with out using a phone. 
I can not get access to my account with out using a phone. 
I can no longer use the credit card but they continue taking money from my checking account monthly, and I can not stop it. 
I can not even close the credit card account without using a phone. 

I repeat : I can not use a phone.
Product: Student loan

I am submitting a complaint against Navient who gave my son student loans without my approval. Now it turns out that they put me as a co-signer of which I never had agreed to nor have signed for. I requested a copy of the original loan contracts and found that they have typed in my name even thought the contract clearly states that one should read the contract before signing it. I see no where that I have signed it and I will never agreed to it. I am requesting help on getting these loans off my credit report. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.s.c 1681 section 602 A. States I have a right to privacy..15 U.S.C 1681 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.15 U.S.C1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt
Product: Money transfer, virtual currency, or money service

I paid {$160.00} to an email address XXXX on XX/XX/XXXX via Zelle to another XXXX XXXX account. I called XXXX XXXX. I was promised a transfer of two tickets on XX/XX/XXXX. I never received them. XXXX XXXX said they wouldn't help me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reportin act, the list of accounts below has violated my federally protected cosumer rights to privacy and confidentiality under 15 usc 1681.

the accounts bellow have violated my rights.
15 U.S.C 1681 section 602A states I have the right privacy

15 U.S.C 1681 section 604 A section 2: it also states a consumer reporting agency cannot furnish a account  withount my written instrutions.

15 U.S.C 1681c. (a)(5) section States: no consumer reportingagency may make any consumer report containing any of the following items of information. any other adverse tem of information other than records of convictions of crimes which antedate the report by more than seven years.

15 U.S.C 1681s-2(A)(a)A person shall not funish 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.

delete the accounts bellow XXXX XXXX XXXX   transunion
XXXX XXXX XXXX  experian
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  experian
XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  experian
XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion
XXXX XXXX XXXX  experian XXXX XXXX XXXX  experian
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion
XXXX XXXX XXXX XXXX XXXX XXXX transunion
Product: Debt collection

FLAGSHIP CREDIT ACCEPTANCE is in direct violation of my consumer rights according to the FDCPA and FCRA. FLAGSHIP is reporting a debt that I legally do not owe. They are illegally furnishing data to the consumer reporting agencies which is a direct violation of 15 USC 1681s-2. Debt can not be reported if it's in fact income. FLAGSHIP CREDIT ACCEPTANCE is reporting the debt as being charged off and this is now considered to be a tax deduction for them filed by the SECRETARY of their company, and this makes this income for me according to the IRS. A consumer report does not contain income because it's a violation of privacy. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. FLAGSHIP CREDIT ACCEPTANCE has not issued my a 1099-C according to the IRS.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX ACCOUNT XXXX XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : XXXX. XXXX15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out. 
XXXX. XXXX*16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure. 
XXXX. XXXX15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Mortgage

On XX/XX/year> we lost our home to a huge house fire. We contacted our mortgage company shellpoint on XX/XX/XXXX and they sent a rep out on XX/XX/XXXX, they took pictures and said that this was a total loss. We also found out that they had placed a hazzard insurance policy on our home with them ( Shellpoint ) as the only one covered and the policy holder. We only owed XXXX dollars left on the home at the time of the loss. We reached out to XXXX XXXX XXXX XXXX because that was the insurance company listed on the policy to find out what was going on. They stated that they sent a check out on XX/XX/year> that would cover the pay-off of the loan, plus additonal funds. However it has yet to be applied to the balance of our loan for the complete pay-off. This home is a mobile home and can not be rebuilt nor do we wish to, so there is no reason at all for shellpoint to be holding on to this check, and for us to keep continuing to make mortgage payments on this completely burned home. We have made XXXX more payments on this home since its burned down, and the mortgage company is sitting on a XXXX dollar check. We believe they are doing what we call double dipping which is illegal. We can not buy another home with this open mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding to delete this inaccurate information left on my credit report. Me, as a consumer have rights under FCRA, FDCPA and plenty others. However, I have closed account with XXXX XXXX XXXX in which I closed it XXXX of 2023. Before, I closed the account there was a late payment on my credit report which is completely incomplete, inaccurate and incorrect which the laws states under FCRA it must be accurate and fair. In this case- you can not say I am late 30 XXXX, 60 in XXXX, XXXX ( blank ) then June 120 days. Thats reporting inaccurate information and violation fcra regulations as a consumer that I am. I have disputed this account numerous times and came back verified. this is last stretch getting this account deleted from All 3 ( XXXX, XXXX and Equifax ) before I take further steps on suing these folks for not doing their job under 15 us 1681s-2. 

XXXX XXXX XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my XXXX credit file. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX
Product: Mortgage

We have been told that the Government has now initiated a new program for extending mortgages due to the Coronavirus situation. Supposedly the banks will extend mortgages for up to a year. 

We have two mortgages for our rental properties : one is  with XXXX XXXX XXXX and one is with Chase Bank. We would like to extend these mortgages for at least 90 days because we don't want to be caught in a bind. It looks like more and more states are not allowing evictions for non-payment of rents. If this were to happen to us we would not be able to pay the mortgages on these rental properties. 

XXXX XXXX XXXX - We have called XXXX XXXX XXXX and Chase bank on XX/XX/20, XX/XX/20 and XX/XX/20. We have been on hold for over 2 hours then the call drops. This repeats no matter how many times we call Chase Bank - We went to Chase bank on XX/XX/20 to find out how to contact them and they gave us 3 websites to check and none of them were any help. See attached document : Chase websites for Loan Extensions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report  which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A 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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I never received any information from this company until they put the debt on my credit report. They did not have my correct address or phone number and they told me it was my fault. The amount of the debt is XXXX and I spoke to them on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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.
Product: Credit reporting or other personal consumer reports

The details of the fraudulent accounts are as follows : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX Department XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Follow-Up on Dispute of Incorrect Information On XX/XX/year>, I submitted a request via fax to dispute inaccurate information on my credit report. To date, I have not received a response, nor has the incorrect information been removed or updated. 

As required by the Fair Credit Reporting Act ( FCRA ), Experian is obligated to investigate and respond to disputes within 30 days of receipt. I request this information gets removed off my credit report. 
If any questions or concerns you can reach me at XXXX also my Email XXXX XXXX