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

TransUnion and XXXX  are fraudulent on my accounts DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # XXXX
Product: Debt collection

Southern Financial came up on my credit report. I made contact with the company seeking full proof as to why they had this listed. I sent this letter certified mail which was signed by a XXXX on XXXX XXXX,2017. After not receiving the validation I sent Southern Financial another certified mail letter stating that false reporting is illegal and not responding to the request was also prohibited. On Thursday XXXX XXXX, 2017 Southern Financial sent a stack of papers. I received documentation that included the detailed list of medicines, codes, tests, and etc. I am aware that this collection agency is in COMPLETE HIPAA VIOLATION. This company intentionally violated my rights under the FCRA law as well as HIPAA. I previously had asked for total validation and they did not comply.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC XXXX Is reporting on my credit report. Im am demanding debt validation and legit investigation into this account. 

Never have I done business with this llc.. please provide original signed documents pertaining to debt. They are in violation of consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I was taken advantage of, due to malpractice, while several laws under the XXXX were being broken by your company. This is causing me financial injury, this is causing me defamation of character. I can't get a job, I can't apply for credit. I can't even be approved for pandemic based programs and this is hurting me deeply. Please look into it. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXXXXXX30 days late in XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Payday loan

I was double charged at an establishment and was told i could not get my money back. after, speaking with a higher up rep of the company i finally received XXXX of my payments back. Today, I went to pay my loan off and re barrow and now i am being told that i can not because i missed a payment. i have receipts for XXXX and XXXX payment. i contacted the district manager again. And this time i was told to leave the store and that was that. I explained to this person that i have receipts and he still would not honor what i had to say. at this point my contract is void because they did not hold up the end of the agreement on their end. the district manager also hung up in my face.
Product: Credit reporting or other personal consumer reports

I routinely check my credit report and I recently found a negative account on it. 

It shows a debt of {$250.00} owed to XXXX XXXX, but the credit report entry was placed by Transworld Systems. 

I contacted Transworld Systems and spoke to a representative who stated it was a debt owed to XXXX back in XXXX, 2022. He stated they sent letters and emails, but reported an incorrect postal address and email address. 

He also stated that even if the {$250.00} was paid, Transworld Systems would not remove the negative account from my credit report. 

I have never been contacted by XXXX XXXX nor Transworld Systems as to a debt owed. 

This entry has had a negative impact on my credit score and has caused me financial injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report since my identity been compromised due to the lost/ theft of my id, I noticed a series of unknown inquires on my credit report, and I would like these inquiries removed immediately on the pure basis they are unknown and unauthorized by me. I understand the credit reporting agencies go to explanation that inquiries stay on your credit report for 2 yrs, I understand that, however that is not my argument. My argument is that I did not authorize these inquires by any means and again please remove the following inquiries. 

1 ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX credit  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
Product: Credit reporting or other personal consumer reports

I Recently Checked My Consumer Reports and found an Improper Usage of my credit from XXXX XXXX XXXX XXXX XXXX XXXX which then Sold my information to National Credit Adjusters LLC . Which is in violation of the FCRA in pursuant to 15 usc 1681b you never had permission to furnish any of my information to any credit reporting agency or collection company. I am demanding a deletion of this alleged debt at once. Below I attached a cease and desist and validation of debt letter.
Product: Student loan

I first called FedLoan Servicing on XX/XX/XXXX to inquire about the process of loan default resolution and after speaking to several reps and supervisors, I was informed to send my XXXX taxes to start the process of getting out of default status by starting the 3 payment process on my student loan. I was asked to fax or mail in the required documents and I did both on XX/XX/XXXX and XX/XX/XXXX costing {$100.00} to do so. After two weeks now on XX/XX/XXXX and numerous calls to the default resolution department at fedloan serving, they aren't able to locate my faxes or mailed documents to start the payment process to get my loan out of default. they provided many excuses along the way, first that their fax machine was not working, then that their backroom department managing the faxes was behind, then that the process to receive said fax or mail documents takes 10 days and lastly to send the fax during XXXX XXXX XXXX because their fax machines get inundated, which I had already done. None of the representatives or supervisors apologized or offered solutions and all had different answers and didn't seem to care. This process is very important to me as I would like to get back on track paying my student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 3. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 4. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 5. Unverifiable no data information XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation 6. Unverifiable no data information XXXX, XXXX Account XXXX : XXXX Delete account for failure to perform an investigation 7. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation 8. Unverifiable no data information XXXX, XXXX Account Number : XXXX Delete account for failure to perform an investigation
Product: Credit reporting 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 Account XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

TRIDENT ASSET MANAGEMENT is Debt Parking Unvalidated Debt : TRIDENT ASSET MANAGEMENT is posting information on credit profiles that they have not validated nor had communications with my person before posting such updates on my credit report. The XXXX XXXX  and TRIDENT ASSET MANAGEMENT has in prior posted on my account and has failed to validate debt listed as XXXX XXXX XXXXXXXX XXXX XXXX and was forced to remove the record : On XX/XX/XXXX TRIDENT ASSET MANAGEMENT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX TRIDENT ASSET MANAGEMENT, Did post on my credit profile a unvalidated on my credit reports Collections without validation Dear, CFPB. I received information from my credit alerts that a company listed as TRIDENT ASSET MANAGEMENT, has placed negative information on my credit profile and is attempting to collect the listed alleged debt. 

Please advised TRIDENT ASSET MANAGEMENT, that I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. The original creditor is listed as Original creditor : XXXX XXXX XXXX  XXXX for which I have no knowledge of any account. I affirm that TRIDENT ASSET MANAGEMENT, is illegally attempting to collect an alleged debt and money that I do not owe. TRIDENT ASSET MANAGEMENT, has not allowed the consumer to validate the debt by providing a debt validate letter by law, and giving the consumer up to 30 days to review the claim and respond. As per the law, TRIDENT ASSET MANAGEMENT, shall cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter is being provided to the Consumer Financial Protection Bureau ( CFPB ) for full review of this illegal act of posting to my credit profile. The CFPB is authorized to investigate this matter and receive related information. If TRIDENT ASSET MANAGEMENT, fails to remove the entries does not comply with this letter, CFBP See complaint : XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE I may turn the matter over to an attorney. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX with MAC. 

Told me I had a returned check from XXXX and if I didnt take care of it they would turn it over to the prosecuting attorney for felony charges. Said I had been evading them and the prosecutor was tired of it. Contacted my local prosecuting attorney and found out it was all false. Also I never had a checking account until XXXX. There is XXXX chance they have an actual debt. Contacted a lawyer to start filing a lawsuit against them.
Product: Money transfer, virtual currency, or money service

I purchased resume services from a career coach through the PayPal platform, which I have done before. I paid {$100.00}, which is payment number one of three ; however, the coach, XXXX XXXX did not get the money I transferred. The PayPal call center in the XXXX proved to be no help. I learned that PayPal had taken my money and put it toward some dispute involving XXXX XXXX ; of which, I have nothing to do with. Essentially, PayPal stole {$100.00} from me. I am dumbfounded a financial entity an act would be so brazen and take my money for something other than what it was meant for. XXXX XXXX suggested PayPal has done this with his other clients as well. When did PayPal become a superpower? How does legislation give leniency and allow PayPal to make its own rules compared to a brick-and-mortar bank? If XXXX  XXXX XXXX did this, there would be at least one {$5000.00} fine at the door. I paid for coaching with XXXX XXXX. PayPal should have nothing to do with my purchases other than the platform in providing the transfer; for which, they are paid.
Product: Debt collection

I started receiving phone calls and letters regarding a debt from XX/XX/2016 just a couple of months ago. I wrote to them asking for confirmation of the debt and they sent me information from another collection agency that I had never received anything from rather than from the medical facility they were supposedly collecting on behalf of. I pay my medical bills and they just want me to take their word that I owe {$38.00}. I know it is a small amount but why did it take four years before I was contacted regarding this supposed overdue amount. They sent me letters and made repeated phone calls to me asking for my credit card number. I told them that I would not pay a debt that I did not believe I owed that took four years to contact me about. They even reported it on my credit report. It just appeared about two months ago.
Product: Mortgage

I actually just need some help understanding terms related to my mortgage 's " Funds for Escrow Items '' on a mortgage that is in existence. The property is in the state of Illinois. Illinois law states : " Sec. 5. ( a ) When the mortgage is reduced to 65 % of its original amount by payments of the borrower, timely made according to the provisions of the loan agreement secured by the mortgage, and the borrower is otherwise not in default on the loan agreement, the mortgage lender must notify the borrower that he may terminate such escrow account or that he may elect to continue it until he requests a termination thereof, or until the mortgage is paid in full, whichever occurs first. '' The mortgage actually is the form titled " Illinois - Single Family- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX '' and makes no reference to Illinois laws. It states " Borrower shall pay to Lender on the day Periodic Payments are due under the Note, until the Note is paid in full.. '' At the origination of the Mortgage in XXXX, the down payment positioned me at 60 % loan to value. As of XX/XX/XXXX, I'm very close to 66 % loan to value ( value = purchase price ). So my question is this : Does Illinois Law Supersede the terms of the XXXX XXXX I signed? And am I now entitled to arrange to pay insurance directly to the insurer and taxes directly to county treasurer?
Product: Credit reporting or other personal consumer reports

invalid inquiries on my report. I did not authorize my credit to be ranned. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

AD ASTRA RECOVERY I SENT THEM A DEBT VALIDATION LETTER AND THEY NEVER RESPONDED WITH DOCUMENTATION OF ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! 

This is unacceptable! Please remove this account right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 55 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to request the immediate removal of credit accounts associated with XXXX  account # XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ).

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX is reporting a public record ( XXXX  ). 

I am including my FTC identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017  at    XXXX   XXXX   XXXX   XXXX  , I  spoke to a Discover representative  XXXX  to see if Discover would reduce my APR interest rate. He said they could if I voluntarily suspended my account, and it would not affect my  credit score. I explained the reason I opened an account with Discover was to improve my credit score,  that my interest charges were making it impossible for me to reduce my balance. I told him I made over the required payments due monthly and have never been delinquent with my payments. and have not used my card for several months. I did not want to file bankruptcy. He thanked me and stated my  credit score  would not be effected. I received my    XXXX  2 017    statement and my  credit score  was affected, it read  XXXX  it was previously  XXXX . I called Discover toda y    XXXX   XXXX  ,  2017  at  XXXX    XXXX    spoke to   XXXX    XXXX  ;  XXXX   XXXX  told her of my previous conversation she transferred me to a representative named  XXXX   XXXX  ;  XXXX   XXXX  I told her of the previous conversation that I had with  XXXX , and the reason I voluntarily suspended my account was to better my  credit score she was very rude and dismissive she stated we dont do that, go online and check your credit score  I then asked if she would give me the name and address of the  C.E.O.  of Discover bank. She replied What? I repeated th e Chief Executive Officer of Discover. She replied What whos that? I said it would sound a lot nicer to say ex cuse me. She said Ho ld ON!  I held on f or fifteen  minutes, called back  XXXX   XXXX   XXXX  answered again, I asked to speak to her supervisor or Manager She said hold on I then spoke to Supervisor  XXXX  Id #  XXXX   XXXX    XXXX    told of the conversation with  XXXX  and asked if he would give me the name and address to the corporate department of  Discover  he said I can not, gave me  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Utah  XXXX . I asked if he had a physical address to the C.E.O he said no, I asked if there was a  manager  that I could speak to he said there are several managers I asked can you give me a name he said  XXXX   I asked    may I speak to  him he said they dont take calls you can write to the address I just gave you and they will look into it. I then called  F.D.I.C  who referred me to your department.
Product: Credit reporting or other personal consumer reports

Equifax, Please see attached - I was a victim of identity theft and have included a letter, the Federal Trade Commission Identity Theft Report, as well as my ID. 

I expect these 3 unauthorized hard credit inquiries removed immediately. 

This is proper documentation to do so.
Product: Credit card or prepaid card

I previously filed a complaint against American Express with the Consumer Finance Protection Bureau for this matter and that complaint number is XXXX. The original issue remains in that I was promised a referral bonus if the person I referred was approved for a new credit card, in this case the XXXX XXXX XXXX XXXX XXXX. The original details of the issue are documented in complain XXXX and a copy of that complaint is attached to this complaint for reference. 

The reason for this second complaint is that American Express responded to the original complaint and stated that they deposited the XXXX XXXX points for the referral bonus. They did not. I verified with XXXX that American Express did not deposit the XXXX points at or around the date they said they did, and also confirmed with XXXX that at no time during 2018 did American Express deposit any XXXX points into my account. 

Therefore, American Express negligently claimed it had resolved the problem when in fact it did not. 

I am requesting again that American Express deposit the XXXX XXXX points that it owes me for the successful referral I made to their benefit and now I am asking for an additional XXXX XXXX points because of the several hours of time it has taken to document this issue and communicate with American Express, XXXX, and the Consumer Finance Protection Bureau regarding this issue.
Product: Mortgage

PHH Mortgage Services XXXX. XXXX XXXX XXXX, NJ XXXX has been lying to me about them paying my property taxes since XXXX. They claimed they paid the property taxes on XX/XX/2020 with check number XXXX for the amount of XXXX. The tax office Main Office Phone : XXXX XXXX  XXXX Tax Department Phone : ( XXXX ) XXXX has been telling me since XX/XX/2020 no taxes has been paid. Phh Mortgage has increased my mortgage loan from {$530.00} mortgage loan and insurance to {$1900.00} to cover taxes they claim they have paid. I have continued to pay my regular loan payment but they will not post the payment to my account they keep lying to me and insisting I pay the XXXX for 18 months they have paid the property taxes. They have set up the website Phhmortgage.com where I can only pay the XXXX with no option to pay a different amount. I have to use my Bank bill paying service I get confirmation from my Bank but payments are not being posted to my mortgage. When I call Phh mortgage they received the payment but want XXXX is their I should pay for a mistake they have made this has been going on since XXXX with no response from PHH mortgage. Phh Mortgage don't sent out monthly statement email nor regular mail I complain about this all the time.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX  XXXX Account Number : XXXX XXXX : {$41.00} XXXX  XXXX Account Number : XXXX Balance : {$40.00} XXXX Account Number : XXXX Balance : {$0.00}