23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

i was living in a mobile home and my mortgage was with Greentree. I had fallen very ill and was unable to pay and fell behind in my payments. I lived there for many years and asked them to work with me on it, but they would not. Everyday they would call, with nasty phone calls in a threatening manner. First a man called, then he would hang up, then this was followed by a lady. It was constant around the clock. They said that I was to pack my belongings because they could come out and change the locks. I got really very scared and upset so I felt that I had to leave.They were very verbally abusive on the phone I had a lawyer write them a letter, and all correspondence was to go to him. His name is XXXX XXXX phone no.XXXX. Greentree made my life miserable with their harrassment. I got so sick and nervous over this, and felt that I had no choice but to leave. because of fear of them coming to the house and locking me out and they would let my dog loose. I left in such a hurry to go to my daughters that I left alot of personal items at the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX 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've been calling contacting transunion about the error they made for my address that's reporting to my Transunion Credit report. Please remove XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX And change it to XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. As shown in pictures below from my XXXX and Transunion Credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute Regarding Collection/ closed/ charged off Account Reported by To Whom It May Concern, I am writing to dispute the collection account listed on my XXXX credit report, attributed to XXXXXXXX XXXX XXXXXXXX XXXX Upon reviewing my credit report, I discovered errors in the reporting of this account, including incomplete account numbers and discrepancies in the information provided also it is past the status of limitation of Pennsylvania which is 4 years. 

Additionally, I wish to emphasize the legal requirement for accurate and consistent information reporting by credit reporting agencies, as outlined in the Fair Credit Reporting Act ( FCRA ). All reported information must be complete, accurate, and verifiable, including ensuring that the entire account number is readable and that each reporting agency has consistent information regarding the reported account.

FCRA Section 1681e : This section requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumers ' credit reports. Also, the collection agency has not provided validation information under 12 CFR1006.34 ( b ) ( 5 ) yet they placed a collection on my consumer report. I have not been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ). The collection agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. 

Additionally, the agency has no authority to furnish any account to a consumer reporting agencies without providing any disclosures without providing any disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-5 2 ( 7 ) ( A ) I request that XXXX conduct a thorough investigation into these discrepancies and validate the accuracy of the reported collection account. Please ensure that all necessary steps are taken to verify the information before any further actions are taken regarding this account. 

If additional information or documentation is needed from my end to facilitate this investigation, please feel free to contact me at XXXX or XXXX. 

Thank you for your attention to this matter, and I trust that you will address this dispute promptly and effectively. 

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

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX BALANCED {$470.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXXXXXX BALANCED {$670.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2200.00} XXXX XXXXXXXX XXXX BALANCED - XXXX XXXX XXXX BALANCED - XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX OF XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX OF XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX CO Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX 2023
Product: Credit reporting

XXXX for XXXX dollars account is closed and confirmed by a company representative. Paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a notarized dispute letter to Experian via certified mail notifying them of inaccurate information and accounts on my credit report. Experian received my letter on XX/XX/XXXX. I requested that they investigate and VALIDATE the accounts as well as provide me proof that this information is accurate. I also requested that they remove these inaccurate accounts from my credit file. 

XXXX {$1500.00} XXXX {$2800.00} XXXX XXXX {$1600.00} I received an update on XX/XX/XXXX report # XXXX that the investigation was complete and the accounts have been updated. The accounts were NEVER investigated nor removed. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to investigate and validate - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.

Experian failed to follow the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

I switched to XXXX bundled services on XX/XX/XXXX. I began using all of XXXX services ( phone, TV, internet ) that day. 
On XX/XX/XXXX I called & cancelled XXXX ( XXXX ) since I had switched to XXXX. I had recently received a statement ( attached ) for services XXXX. I paid this invoice in full, it was {$260.00}. I informed the representative to cancel my account, effective immediately. I also double checked about returning any equipment-which was not necessary. I received a few emails from XXXX but I disregarded them since I didnt receive any paper invoices in the mail. For the entire duration of my service this is how I received my statements. I was not informed that my account was being sent to collections. I recently received an email from XXXX XXXX, which is how I found out that Radius Global was a collections company and was trying to collect {$230.00} from me. I have never received anything in the mail. Looking back in my emails, I saw that I had received three emails from Radius on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I had completely disregarded these emails previously as I thought they were spam. 
Today I disputed the negative report from Radius on my XXXX and XXXX reports.
Product: Student loan

I have dealt with Navient Since 2015 when I got current with my student loans I started paying them. I got a different payment play every month I refused to put my account on auto draft. They put me on a placed me on a income based plan paying {$56.00} the next month my acct was autodrafted over {$100.00} when I called back the agent told me they took me off my income based plan because I did not qualify then they had me pay {$72.00} then it went up again to {$150.00} I went up to a supervisor who told me I made too much last year even though I got married and supported my spouse who was unemployed. I went then on deferment for 6 months and now I am in school. I do not want to deal with Navient and their trickery because they do not have my best interest as a borrower in mind they just want money.
Product: Credit reporting or other personal consumer reports

I sent Transunion a dated and time-stamped dispute letter ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. I confirm that the following inquiries are unauthorized and are to be removed from my credit report : XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Product: Debt collection

On XX/XX/XXXX two of my family members were contacted by XXXX XXXX to inform me that I should be home to sign for a package on XX/XX/XXXX The packeage was to arrive in between XXXX XXXX  and XXXX. ( No package arrived ) I got the number that they left with my brother, so I called. I talked to a XXXX XXXX. He said that my outstanding debt from HSBC bank is going to be taken to court and I was being sued in a few days if I don't settle. This debt, which I do not recall ; is supposedly from XXXX. The total is {$2800.00} with late fees and other charges. The original debt supposedly was XXXX. They said I could file for hardship and pay less then what the original amount due. I did not pay or agree to pay anything. I told him I wanted to investigate this matter further. Mr. XXXX said I had to the end of Thursday XX/XX/XXXX to get back in touch with him or the suit will be filed. I feel this is a scam and had a similar call from a company in the beginning of XXXX for the same HSBC bank in wich I paid over {$700.00} to clear. I also feel this was a scam by a different scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit ran today XX/XX/2020 because I am in the process of refinancing my car, however, I was told that I would be unable to refinance right now because there is an account from XXXX XXXX XXXX in negative standing appearing on my credit report. I did not open this account nor did I allow anyone to open this account in my name using my personal information. I did not benefit anything from this account such as money, goods, services or any other benefit and I never made any payment towards this account. I have done everything I can to get this incorrect information off of my credit report such as notifying the company that's reporting this account as well as filing a police report.
Product: Debt collection

Frontline Asset Strategies is attempting to collect a debt from me by XXXX. In early XXXX, I returned a newly purchased phone ( phone purchased within one week ) to XXXX due to issues with the new phone plan. I contacted XXXX, who stated I was able to return the device. I was then sent a return label by XXXX XXXXo have the phone shipped through XXXX. I delivered the phone to XXXX, who then accepted the package and shipped it to the XXXX headquarters in Texas. After several months, I was contacted by a debt collection agency stating that XXXX never received the device, and I now owe them {$790.00}. I was never contacted by XXXX  stating the device was not received. I then contacted XXXX  and received an email confirmation from XXXX stating the device was dropped off & received at the XXXX Texas location XXXX I was then continued to be contacted by the initial debt collector XXXX XXXX regarding the debt, even though I provided them with written confirmation that XXXX had received the device. I finally disputed the debt through the credit companies, and it was determined that the debt was invalid due to fraudulent charges. I am now being contacted by another debt company, Frontline Asset Strategies, that is stating XXXX states debt is still valid. I am now being told that it was not only the device but additional charges on my account ( my account was cleared before I stopped service with XXXX XXXX I was not sent a billing breakdown of the {$790.00}, only a statement showing I owed that amount ( no information or itemization of what constitutes the debt amounts ). When I have tried to speak with Frontline asset management, I am told various reasons as to why the debt is valid, including I was with XXXX  since XXXX and I was not allowed to return devices, that it was from a past bill, that XXXX did receive the phone, but they can not find it in their warehouse so it is my responsibility, etc. I continue to be harassed by XXXX  regarding this debt, although I returned the device and have confirmation from the shipping company it was returned. XXXX and the debt companies refuse to give me a breakdown of why I owe this debt, and I continue to get random reasons as to why the debt is valid every time I speak with a representative.
Product: Bank account or service

I signed up for a CitiGold checking account with CitiBank under their XXXX XXXX XXXX promotion where I would get XXXX XXXX miles deposited into my account after completing a short list of requirements. I completed those requirements within the allotted time frame and called customer service several times to confirm that I qualified to receive the promotion. Each time they told me they 'd look into the issue and update me with an email. That has not happened despite multiple calls. I 've read up on this online and apparently other people have been having the same issues with CitiBank not honoring their promotion.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found numerous fraudulent inquires & accounts, which I have NO knowledge of. These are the fraudulent inquires I have found : Inquires : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting not verified or accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a collections account on my report that was paid off in XXXX of 2022 but is showing as still unpaid on my credit report. I have filed multiple online disputes with them after which they responded and said the account is reporting accurately. I finally called and spoke with someone at the company and he said it was their fault and they would need to remove it, so he opened another despite for this issue and yet as of XX/XX/XXXX there is still no resolution as this account is still showing as unpaid on my credit report. I need this account removed immediately because it is negatively affecting my ability to get necessary credit at this time.
Product: Credit reporting

I filed an online dispute with Equifax after reviewing my credit report, for unauthorized inquiries and an incorrect balance. I previously disputed the inquiries as incorrect, approximately 4-6 months ago, when I noticed there were " hard pulls '' from companies I do not conduct business with. I wrote a letter disputing the inaccuracies, and at that time asked to opt-out of pre-screened marketing. Equifax did take me off of the pre-screened marketing, but they put a fraud alert on my account, which prevented me from accessing my credit report or applying for credit. The inquiries were never taken off, and I was told by an Equifax representative to file a police report, before they could further assist with the inquires. Furthermore, my account balance is incorrectly being reported by XXXX. I filed a dispute with a representative, and was told to send in supporting documentation to assist in the dispute process. The initial case was re-investigated by another Equifax representative, because when XXXX updated the balance, it was still incorrect. As of yesterday, yet another Equifax representative said she was going to cancel my re-investigation ( without my consent ) because it was already updated by XXXX. I advised her that the information was to be re-investigated. She said it was Equifax 's policy to not have more than one open dispute for the same dispute, meaning they are not allowing me to file a re-investigation. Lastly, I accessed my consumer report today with Equifax and I noticed there is a " Consumer Statement '' on my report that was not provided by me. The consumer statement was placed by an Equifax representative and reads ( copied from my credit report ) : XX/XX/XXXX CONSUMER SENT IN DOCS TO VERIFY THAT SSHE DOES CURRENTLY HAVE A XXXX BALANCE WITH XXXX FOR THE ACCOUNT THOSE DOCS WERE SENT IN ON XX/XX/XXXX THE CONFIRMATION FOR THOSE DOCUMENTS XXXX XXXX XX/XX/XXXX. It is my understanding that the consumer statement is a statement from me and not from Equifax. I never requested a consumer statement, and their comment shows that Equifax had proof as of XX/XX/XXXX that my balance was truly at a XXXX balance, yet they did not update the balance, they simply closed the re-investigation. Numerous occasions I have called and received conflicting information from Equifax representatives, and supervisors. When calling in to their customer service number, when I am transferred to their " foreign '' or outsourced phone queue, I have been given such incorrect information, that now I ask to be transferred to a representative in the United States. Please assist.
Product: Credit reporting or other personal consumer reports

I have contacted this company multiple times and multiple times they say my inquiries are factual!! Multiple times Ive contacted the merchants and they have stated they have removed it from my credit report over a year ago yet even with all the proof they state it factual. They do not do their investigation and Im filing a formal complaint everywhere I can because theres no way this company does thorough investigations otherwise my inquiries would've been taken off.
Product: Checking or savings account

XXXX XXXX offered a promotion of {$300.00} to open account and make TOTAL qualifying direct deposits of {$300.00} or more per month. The XXXX was to paid 45 days after the qualifying period ended on XX/XX/31. I deposited {$170.00} from my paycheck every pay period which totaled {$350.00} per month. They did not credit my account for the bonus amount. Statement attached along with promo terms emailed to me from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

To start my dispute, I would like to make certain you have and only report up-to-date, accurate, verifiable, legitimate, true, and authorized information per Fair Credit Reporting Act regulations. I do not authorize Experian to misreport any inaccurate or unverifiable information so please review my credit report and confirm your sufficient and full cooperation to the federal laws upon which oversees your business of reporting consumer credit reports. I have provided a copy of my identification documents for you to verify my full name, current address, social security number, and date of birth. I do not have any other names, addresses, social security numbers, or date of births and I do not want any other personal information to be reported to prevent a credit merge or mistaken identity. If there is any other personal information being reported other than what I have provided, I am requesting you to delete it immediately. This dispute is to start an investigation regarding unauthorized and/or possibly fraudulent information which is certainly unproven to be compliant with proper reporting guidelines of credit inquiry ( ies ) and/or credit account ( s ) reported by furnishers on my Experian credit report. In the process of looking through my Experian credit report, I found what clearly appears to be likely some unauthorized and or fraudulent credit inquiries and negative accounts which undoubtedly are ones deficient of the compliant proven permissible purpose supposedly made by the following companies : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Inquires : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I demand you to provide the required verifiable proof of permissible purpose confirming the legal authority to report such information or else complete a full deletion of the entire inaccurate & unverifiable information that is being reported on my Experian credit report due to non-compliance of the Fair Credit Reporting Act. As of today, there is no physical proof that I knowingly and agreed to authorize anyone working at the companies that I have mentioned above to report such information on my Experian credit report on these specific dates. I am asking that you make these corrections now to relieve yourself from non-compliance of reporting standards to report the accurate status of certified XXXX XXXX compliant reporting moreover 100 % provable true, correct, complete, and timely reporting. I am also requesting that the companies above mail me a copy of my signed authorization that gave them the right to view and report information to my credit report within five business days so that I can validate what is being reported. If they can not do so, then they will clearly be violating the Fair Credit Reporting Act which is why I am contacting you to help me with this.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX XXXX from my XXXX XXXX wallet to Binance at the instructions of the scammers.