23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hi, I wrote to Discover numerous times. I explained the situation since we were experiencing financial hardship. We had to move due to family health. Also, I lost my checking account. In the past 9 months, we have had 3 hospitalizations and numerous doctor 's visits. The medical condition now worsened to a severe status. XXXX and Social Security does not really cut it at this point. We may need to check into Affordable housing solutions since we barely paying rent and we receive numerous disconnection notices. 
I asked for forgiveness. 

I asked to cease contacting me a number of times. However, they keep calling about 3 times a day. Right now, with no assistance. Most calls are robocalls. They seem to repeat the same threats and the situation has not improved at all especially with this Covid-19 crisis. 

Can you help? This stress is not helping in the current crisis. They say they won't contact, but they continue to do so. 

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

FCRA Violation : name and address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violation : auto loan not mine XXXX XXXX {$200.00} FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other loan not mine XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXXXXXX {$850.00} XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collections not mine XXXX {$690.00} XXXX {$960.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX {$1300.00} XXXX XXXXXXXX XXXX {$430.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

I paid off this loan and Shellpoint is now charging me fee 's. Although I requested for 38 months for them to send me a statement on my account, so I could see where I was at, how much was owed, etc... they never sent me one. Therefore, I did not know about these charges that were added to my account. Such as late fees or short payments fees, property inspection. For several years they would not send me anything with an amount but now that we paid this loan in full, they want to charge us fees. There is no way we could have know about any of this, as Shellpoint NEVER responded and never sent me anything such as a statement. I have since learned that a class action lawsuit about the same issue was granted against Shellpoint for the same thing i am having a problem with ( extra fees added ). This should not be happening. Every time i get a letter, they say i owe something different. First it was fees, now it's a payment still owed.
Product: Credit reporting

disputed with Equifax twice about a debt that was previously deleted from my report but reinserted without notice. They will not remove and I disputed with the collection agency 4 times with certified recipets that they have gotten my request. XXXX XXXX XXXX Collection agency has not responded to any of my validation request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company about placing a security freeze on my report 2 times I have yet to receive a response, i have attached pdf files of me asking these companies for security freezes
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I initiated the process to purchase a car, expecting clear guidance on payment procedures. However, despite the passing of 30 days, I received no communication regarding payment instructions. On XX/XX/XXXX, I discovered through XXXX XXXX that XXXX XXXX was the designated recipient for payments. Yet, all attempts to contact them using the provided number ( XXXX ) proved futile as it was non-functional. 

Confusion arose when my credit report displayed VW Credit as the recipient, leading me to believe they were the rightful payee. It wasn't until XX/XX/year> that I learned I was actually supposed to make payments to XXXX XXXX XXXX. This discovery came after numerous attempts to clarify payment details with the dealership, where I was finally provided with the correct information for XXXX. 

Unfortunately, due to this misinformation and lack of clarity, I incurred late payments on my credit report for XXXX and XXXX, tarnishing my previously excellent credit standing. I was able to get an {$80000.00} car with XXXX money down and now This situation is a direct consequence of the XXXX negligence in providing clear and concise payment instructions. As a result, I am now burdened with a XXXX late reporting, which I firmly believe should be rectified considering the circumstances. It is imperative that these erroneous late payments be expunged from my credit history, given the company 's failure to furnish me with the necessary and accurate payment and account information in a timely manner. These late payments have taken my score from high XXXX when getting the car to low XXXX. I have no other derogatory marks on my credit. 

I am attaching where VW Credit is still reporting my loan. I am attaching proof that the phone number is inaccurate and that it is being reported by VW Credit and not XXXX XXXX in which I was suppose to pay. How is a consumer suppose to know who to pay if they don't get any information and cant reach the number to the account thats reported on VW Credit. 

To this day XX/XX/year>, I still do not have a break down of my payments from them or the updated amount when a payment is made. I don't know the original date my loan started. I make payments thru the portal it does not accurate reflect my loan information on when my loan payment started and when they are due. I just make sure I send in a payment now. 

In accordance with the Fair credit reporting act XXXX XXXX / VW Credit Account # XXXX has violated my rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b - Sec. 1666b - Length of billing period in credit statement for imposition of finance charge ; effect of failure of timely mailing or delivery of statement : No statements have been mailed to me to date. They have violated me by not mailing me timely statements.
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 168IC ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 168lc of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Credit card

I use XXXX XXXX on-line banking to pay my bills. XXXX of the payees is for a Citi XXXX ending in XXXX. In the last several weeks, I requested XXXX XXXX to obtain e-billing from Citi for this credit card. This request apparently allowed Citi access to my on-line banking account. When I checked my on-line banking account on XXXX, I discovered that the information regarding card ... XXXX was missing, and it had been replaced with another Citi XXXX ending in ... XXXX. In addition, all summary information ( monthly payment info ) for card ... XXXX was now missing. However, the summary info for card ... XXXX now contained the information that would have been correct for card ... XXXX. 
I should stress that I am receiving billing statements from Citi only for card ... XXXX. I have never applied for or authorized card ... XXXX. 
It is my belief that card ... XXXX is a ghost card account opened by Citi without my permission or knowledge, similar to that which XXXX XXXX was recently investigated for. I have contacted Citi requesting all applications or other paperwork regarding card ... XXXX. The request to Citi contained the complete card number for ... XXXX.
Product: Debt collection

I called the debt collector several times to have my case disputed and she has refused to do so. She told me that I need to contact to agency that I owe. She hangs up on me instead of giving me info on my case.
Product: Debt collection

I have been receiving non stop calls multiple times a day and non stop emails from ARSI I dont know them or how they got my email. I clicked on their link and requested a validation of debt a week ago before the holiday. They still have not sent me validation of debt instead they keep calling me and emailing me harassing me for money
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute in XX/XX/2020, with Equifax asking them to delele the Bankruptcy that appears on my credit report as inaccurate. I received the results back stated that they verified the information thru XXXX, however, my XXXX credit file has a freeze on it. Under the Fair Credit Reporting Act, Under the security freeze XXXX can not release any information in my credit file without express authorization. I want this bankruptcy deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I sent this request that credit Bureaus that needs to reinvestigate the disputed items from my credit report as well as correct this items from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Three accounts were charged off but they still appear on my credit report in a negative status. The companies did not issue a 1099C although they have already charged off the amounts an of course take a loss on their financial statements for these items. I have requested removal of these negative information from my credit reports and/or the issuance of 1099C without success.

I have also refuted some of these balances as most times the original lender sold the account to a collection agency for pennies on the dollars. This then result in a collection agency hounding us like a bulldog to collect moneys that have already been written off.

All these issues paint a negative picture on the credit reporting agencies which effectively effect creditability and affect my ability to get credit at a lower interest rate or no credit at all
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of the FCRA of accuracy in reporting by XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020 In the XX/XX/2020 bill from ATT Universe I was charged with something I did not buy or authorize to be purchased from a Best Buy store XXXXThe bill came online so I attempted to delete this charge but could not do so.I called the card company and told them I did not purchase the item or service.Whoever I talked to said a new card would be sent with a different account number but said nothing about removing the charge. I received the replacement cards and checked the account on line only to learn that in addition to the first there was a second charge in the same amount on the statement but had been placed on the replacement card account even though both charges were fraudulent. This process has continued in subsequent billings. I called phone number on the card talked with some without a name for over half an hour but nothing was resolved.At that time I told whoever I was talking to to cancel the account. I receive harassing emails and daily phone messages from-XXXX. I have done nothing wrong yet I am harassed and threatened. Please help.
Product: Debt collection

On XX/XX/XXXX I received an email from credit karma stating there was a collection hit on my credit report from Portfolio Recovery for {$820.00}. On XX/XX/XXXX I disputed the charge with XXXX through XXXX XXXX. I don't worry this charge is coming from. All my debt is paid off with the exception of student loans. Please look into this issue for me.
Product: Debt collection

The adjudication for removal of background check in terms of financial conditions is to seek help towards credit repair in the manner of financial issues. 

Also to protect any consumers from any collection agency that holding any employment credentials of such individuals. 

The fair credit agency has been communicated purposes to solely protect the consumers from human harassment and other financial quos or issues. 

Any procurement of any credit interest shall not apply towards any consumers that would toiled nor to harm any accruing interest of any such credits vice versa. 

Your utmost of help is necessary needed. 

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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

- Name : XXXX XXXX XXXX - Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX - Phone : ( XXXX ) XXXX - New ( XXXX ) XXXX - Email : XXXX Company Information : - Company Name : XXXX - Address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : I am submitting this complaint to request the immediate deletion of the XXXX account ( Reported : XXXX XXXX, XXXX  - {$1600.00} ) from my credit report. This account is inaccurate, and the derogatory marks are causing me significant harm. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq._ : This law prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct.

4. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations.

5. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate |
Product: Student loan

have loan with aes through XXXX. have been paying on this loan for 10 years and only {$300.00} has been applied to {$8000.00} loan. i am now XXXX and on fixed income. my sister co-signed for this loan in 2006 and now they are threatening to sue her. i have asked for history payment and never receive it. am at a loss now and need help. thank you..
Product: Debt collection

In the month of XXXX I received a piece of mail from a credit company requesting to pay a past due amount of {$410.00} to them from an account that was opened up and used on XX/XX/2020. In the mail it says that I have until the XXXX of XXXX to dispute it and I called the company and they directed me here to file a claim and dispute. I never lived at the address they provided and I am currently following the steps the company told me to take to dispute this matter. I also would want to find out who the person is that is using my information to open accounts up and commit fraud if possible. The address they used for the account was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I have never lived there once in my life.
Product: Student loan

They just told me that over XXXX dollars in interest is added each month I don't make payments using a forbearance method. The is the first time I have ever heard of this ASTRONOMICAL greed bearing statement.
Product: Mortgage

My loan has been transferred intermittently and mostly during default. My loan was transferred from Countrywide to XXXX, to XXXX, to Bank of America, back to XXXX then back to Bank of America again. At one point I was not even sure who to make my payments to because the transferring of my loan was so casual and occurred often. To make matters worse, I was never even notified of the transfer of my loan until I recently did some research. I had my attorney find out that the loan is now with Bank of America because there was no information provided to me from Bank of America nor XXXX informing me of this information. I recently submitted an application for a modification, I have supplied all documentation requested of me and I am being told there is no guarantee of the trustee sale being postponed, 2 days before my sale date! I did not ask for my loan to be transferred and I have been put in this situation by the lender. There is no reason why Bank of America should not be able to postpone the sale and continue the review of my application as this is a form of dual tracking. Additionally, per HBOR laws, I was never assigned a specific point of contact, I was never reached out to and offered assistance.