23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a call from XXXX ext XXXX XXXX XXXX  I received calls from several family members regarding this phone number who is calling to collect a debt. Information on these family members was never provided to this specific company when initially was approved for credit, as this is an in-store credit card company. 

Somehow they have obtained phone numbers to 2 of my family members disclosing my financial issues. These family members do not reside with me nor in close proximity and this is an invasion of my privacy as I have not discussed my financial struggles with anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

six XXXX XXXX accounts were opened under my name with out my knowledge, these accounts were inaccurate and fraud account opened, i have disputed these with equifax because they are the only one who are reporting this inaccuracy please have this inaccuracies removed from equifax credit agency i will be attaching my police report and the FTC report which i have been providing equifax for the longest times thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account inaccordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
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

I have disputed fraud on my credit report with equifax inquiries and i have disputed them and they will not remove them and i have stated to them i never authorized them and the creditor did not have my permissible purpose. According to the fair credit reporting act, section 604, a creditor should n't have access to a consumer 's credit information, unless the individual himself gives written permission. I have not given any of the below creditors written permission to pull me credit, and equifax does n't not have my written permission from the creditor on flie either so i would like the below inquiries remove.
CUSTOMER NAME CUSTOMER NUMBER DATE   XXXX   XXXX   XXXX    XXXX   XX/XX/XXXX  STATE EMPOLYEES   XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX     XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX     XXXX     XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and informed them that they were improperly reporting student loans that do not belong to me from Nelnet/DEPTED on my credit report on XX/XX/XXXX, via U.S. Certified mail. I was notified from the U.S. postal service that XXXX  received my letter requesting to remove the incorrect accounts from Nelnet/DEPTED on XX/XX/XXXX. I requested to have these accounts deleted from my credit history as well as having XXXX send me an updated version of my credit report reflecting correct deletion of any accounts associated with Nelnet. XXXX  never responded to my request to have the accounts removed from my credit report. 
I contacted XXXX via telephone on XX/XX/XXXX, and attained a recorded phone conversation with a representative of XXXX, XXXX XXXX, who confirmed that XXXX does not have documentation from Nelnet/USDEPTED with my signature for any student loans and that XXXX is still refusing to comply with F.C.R.A. regulations by reporting false information on my credit report and refusing to remove it from my file.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this accounts. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months.

I am also requesting the description of the procedure used to del the accuracy and completeness of the information. I have read tha IS must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 dave *o complete your investigation. 
XXXX It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be complete within 30 day receipt of this letter, or you must remove the incorrect information Please send an updated copy of my credit report to the above address. 
Thank you for your time and help in this matter.
Product: Debt collection

I called the company were I was making payments to on XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Trying to make payments arrangements to catch on the Past Due of {$1400.00} I was behind Several payments. 
They refuse the {$1400.00} and said that they wrote the car off and wanted the full amount of the vehicle {$11000.00} the amount we Financed the vehicle for 3 years ago. The car payments were {$290.00} a month. I called my chapter XXXX bankruptcy attorney to see if the car could be added back into the plan, he said no because when we had the car in the plan my wife who is also in the bankruptcy plan, took the car out of the plan and try to make the payments on her own until she was laid off of her job in XXXX of XXXX.due to the Pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all XXXX of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report. 

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code.

PLEASE BLOCK ALL THE ACCOUNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTS ARE NOT MINE. THEY ARE A RESULT OF IDENTITY THEFT. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THIS FTC REPORT HAVE TO VALIDATE THE DEBT AS MINE AND VALID. PLEASE REMOVE THE FOLLOWING NAMES, PHONE NUMBERS, ADDRESSES, EMPLOYERS AND ANY OTHER VARIATIONS THAT MAY NOT BE LISTED ON THE DOCUMENT. REFER TO ATTACHMENT 1. 

MY LEGAL NAME IS XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX, XXXX XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX MI XXXX PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR ME XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX MY PHONE NUMBER IS- ( XXXX ) XXXX PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHER PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT MY SOCIAL SECURITY NUMBER IS- XXXX PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE PLEASE REMOVE THE FOLLWING EMPLOYERS AND ANY OTHER EMPLOYERS YOU HAVE ON MY CREDIT REPORT THAT XXXX NOT BE LISTED ON THIS DOCUMENT : XXXX OF XXXX, XXXX, HAPPY XXXX
Product: Checking or savings account

During the first week of XX/XX/2020, when I logged into my Bank of America Business Checking account, I noticed a charge for {$880000.00} ( When I called the bank I was alerted that this meant my account was frozen and scheduled to be closed. I was told the process could take a week and the funds would be returned. Every couple days I called Bank of America to discuss the status. I was told on at least 3 different days my account is scheduled to close the following day, and check would be sent out. Well that never happened. Then on XXXX XXXX I called Bank of America to ask for a status of my funds and was told a note on the account said my money will not be returned to me but no reason was listed. I spoke with a supervisor and they sent a note to the back office and told me to call in 24-48 hours of an update. On XXXX XX/XX/2020, I call and speak to a supervisor again, and I'm told there is no update and my funds are still pending held and no reason is given. It's coming up on nearly a month and I need the remaining XXXX in my account to continue operating my company. I was told the bank closed my account as a business decision, that's fine, I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

i need to remove the fraud alert in my credit report in XXXX imediatly
Product: Credit card

As I understand it, credit card companies are required by law to list the interest rates and balances subject to these interest rates on monthly credit card statements. I 've notified Bank of America on many occasions that my credit card statements, more often than not, DO NOT include this important information. As of my last complaint about it, BOA reached out to me and said it was a result of a system upgrade and my statements would now include that information. As of XXXX 2015 my monthly statement included the information I was expecting. It seems they corrected the problem for 2 months as XXXX 's statement to current no longer provides this information.
Product: Consumer Loan

I submitted loan application data online for a debt consolidation loan, a " XXXX '', then received a call over the telephone from First National Bank Omaha, ( " FNNII '' ), XXXX. 

Subsequently, FNNI requested proof of identity, my active XXXX Drivers License and proof of address, a current year Utility Bill or a current year Bank Statement. 

All of my Utility Bills and my Bank Statements are set up to go to my PO Box listed on my XXXX Drivers License. 

I submitted my active XXXX Drivers License and my active XXXX Voter Registration Card which shows my name and my current physical home address. 

FNNI says they do not usually accept XXXX XXXX XXXX to comply with the " US Patriot Act '' rules. 

FNNI says that they can not process the loan without a Utility Bill or a Bank Statement! 

FNNI says that they are declining the loan because they can not confirm my identity or my physical home address.
Product: Credit reporting

My bill was paid by my insurance company after my Medicare paid it 's part. The company saying I owe them money is now out of business because of similar fraud practices. Although I contacted them several times in the past, they do not seem to understand. At this point it is hurting my credit score and I would like to get it cleared off my record.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX **** Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

They said 24 % interest o. Loan but after review of contract after signing the interest showed over 200 % becoming a vulture loan
Product: Credit card

Automatically charged the Auto Rental insurance with the new AMEX credit card. 
I did not explicitly asked for auto rental insurance for the new card and already got insurance via the rental agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have exceeded my rights as a consumer numerous times under 15 US code 1681b permissible purpose and I have yet to have a resolution
Product: Credit reporting or other personal consumer reports

Equifax has reported that, The account XXXX XXXX ( XXXX ) in the amount of {$830.00} is in Closed Status which is not. The true status of this account is in Collection I receive calls from XXXX XXXX asking to make payments or pay on a payment plan for this account.
Product: Debt collection

Good Morning CFPB Research Team, I keep getting several phone calls per day from IC System Inc. regarding a debt I asked them to Verified the debt with proof of my sigutaure are something in writing I asked them several time to Validate the debt no respond but yet they keep calling me at work on my cell leaving very abuse message treating me with Arrest warrant I advise them that the law is clear they need to validate this debt with proof of signature I 'm still waiting but yet they still calling me Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to XXXXXXXX XXXX XXXX XXXXXXXX. In my credit report from XX/XX/, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Linebarger Goggan Blair & Sampson, LLP is the law firm that is trying to collect an alleged debt from the city of XXXX. I have responded 5 times to the law firm asking them how and what will the city of XXXX or the law firm will take to pay this alleged debt. I am not an attorney so I can not make a legal determination so unless the law firm tells me I don't know how or what to pay the alleged debt. Linebarger Goggan Blair & Sampson, LLP should be liable to tell me how and what can be used to pay the alleged debt. Please see Title 31 section 3124 and Title 18 section 8. The law firm states they got the judge to sign a warrant because I won't pay. Not being an attorney I have several questions that the attorney firm should know, yet they refuse to answer. 

Thanks XXXX XXXX
Product: Checking or savings account

I had over {$400.00} used from my debit card through chase. I filed a claim right away and filed a police report, the claim was denied twice. I dont feel like they genuinely care or did an investigation and thats a lot of money for me to lose, not chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

CCB/XXXX  is reporting erroneous late 's on my credit file. I applied for a credit card and was approved for a line of credit. I used my ID to make purchases until I got my card in the mail. I never received this card or instruction on how to make my payments. I never received any information about my account and inquired about getting a new card multiple times but it never came. I would get notifications on my phone but ONLY when I was past due. I would called immediately after and make these payments. Its not until I went into the store and complained that they ordered me a new card and I actually received it. Ever since then I have been making my payments on time. I recently checked my credit file and noticed these lates, this is ridiculous! How was I supposed to make payments with NO account information? I am not responsible for these lates as i was never even notified about my due date, just when i was past due. Please remove these lates, they are not my fault.
Product: Debt collection

I was sent a debt collection letter for a medical bill ( for a XXXX procedure ) of {$300.00} plus interest of {$170.00}. ( This is more than 50 % interest ). I want to know if it is legal for the debt collector to add over 50 % interest to the medical bill. They also mention in the letter that there is a judgment involved. I am not aware of any judgment proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that does not belong to me and i want it to be remove from the three credit reporting agencies. See the list bellow : XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Mortgage

I am a widow who has owned her home since XXXX and made mortgage payments faithfully for over 20 years. Due to a job layoff after 38 years in my field and the death of my husband I went through a tremendous hardship. As things were falling apart financially for me I reached out to my mortgage lender Wells Fargo in hopes that they would help me get back on my feet with a modification or restructuring of my loan. However, I was shocked when they told me they would work with me but I needed to give them an ADVANCE FEE OF {$7000.00} in order to get Wells Fargo to review for assistance. I have since found out that this is very unusual and not the normal protocol. I could not come up with these funds and fell further behind and at that time Wells Fargo finally allowed me to be reviewed for assistance programs. However, this was not very productive, the communication was terrible, there was no assigned manager to my account and I had to send the same papers over and over to Wells Fargo yet they still seemed to misplace them. Now I am facing a foreclosure sale date later this month. I ca n't believe this is happening to me. 
These issues began in XXXX when my husband passed away from a XXXX XXXX. About a year later I was laid off from my position as an XXXX after 38 years in that field. Everything happened all at once and I was overwhelmed and I could not keep up with my mortgage payment. I reached out to the agents at Wells Fargo in an attempt to get some relief. However, instead of offering an option that would actually help me save my home ( especially considering that there was only 5 years left on the term ) I was told I MUST provide a large lump sum upfront fee ( {$7000.00} ) in order to even be CONSIDERED for a modification. I have been told that this is typically not a condition of a modification review so I am not sure what program the agents at Wells Fargo were looking at and what options were considered. I continued to follow up with Wells Fargo and as mentioned before, now that I was further behind I was told that I could apply for a loan modification. I prepared the documents and submitted them to Wells Fargo, but the communication was bad and it was hard to move the process forward. I did not have a single dedicated contact assigned to help and it seemed that no matter how many times I provided the paperwork it was never enough Now I have a sale date coming up this month and I am besides myself over this situation. It is not right to foreclose on a widow who has paid on her mortgage for over 20 years. I am back to work and making a decent living and I feel It is not right to deny access to government programs that could have fixed this issue two years ago because Wells Fargo wanted to ignore guidelines and demand a {$7000.00} down payment out of me. It is not right to take {$30.00} billion dollars from the taxpayers as part of a bailout and then refuse to work with the homeowners who need this help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly investigate my XXXX account. It still shows as me having a late payment and I was never late. 

Equifax did not properly investigate my XXXX XXXX Account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX XXXX Account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my report. 

Equifax did not properly investigate my Us Dept of Education account. It is closed and still showing on my report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my report and have Duplicate accounts. 

Equifax did not properly investigate my XXXX account. I never a had a XXXX account.