23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello this is regarding the MACYS In store card ending in XXXX Registered to XXXXThe last payment that went delinquentwas due XX/XX/XXXX as reported on my XXXXcreditreportlater on XX/XX/XXXX. At that time the Balance was XXXX and the last payment made was XXXX Two weeks prior. This account was paid in Full with XXXX of your in house collections specialists. My Phone number at the time was XXXX, the call may have also been joined with XXXX XXXX at XXXX requested a letter stating theaccount had been taken care of and wouldbe reported as PAID in full and Closed! This Debt was paid in full and It was not reported to any agency that I had satisfied this debt as it was met with payment. The XXXX email i have reflects a XXXX payment said to ne made XX/XX/XXXX I am requesting these Key Piecesof Information : # XXXX please provide the Call logs from the account belonging to XXXX XXXX ending in XXXX # XXXX Please provide the last payment information ( Date/time/Amount/ agent number ) as the last recorded call log and Narrations from the client interactions should Match from the last call to the sale of my Debt in XXXX # XXXX Please Provide The original Loan agreement date and contract as well as the Contract showing consent for the disclosure of my personal information to a third party, as I had opted out of this at application I am requesting that you provide me with this documentation as well with the original contract. This information was disputed and has been reported to the CFPB and the XXXX. # XXXX I Also request the Sale documents of my information to the debt collector it is currently assigned to, as I have the right to request this information under XXXX you are not able to provide the requested information a Consumercredit complaintswill be filed with. Under The FCRA as well XXXX, CCPA, and XXXX I am entitled to have this information. 
A Dispute and a complaint has been filed with each Monitoring agency if this issue is not resolved within a timely manner Future Negative action may occur as this PAID in full but remained as unpaid and reported as in debt in collections or darogatory status has caused serious financial harm as well as caused me to be denied for multiple lines of credit for purposes of credit building, Therefore rendering me with almost ineligble to any unsecured credit card.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$3000.00} XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}
Product: Debt collection

This is a debt collection from WayPoint Resource GR re : XXXX. This account does not have an account number, or address to mail disputes. My name is XXXX XXXX and I am writing regarding an invalid debt. I am requesting an itemize statement with what services and or items billed for this bill, when did these services began/end, I am requesting the original signed contract, a copy of the photo ID, a copy of the social security number required to open this account. I have attempted to call and locate an address to discuss my request. I have not received ANY letters, collections or statements from this company it just appears on my credit report. I am asking for these items because, it is a requirement to provide these items in order to open an account. This is not my debt. If this debt was true and honest this information will be available. However, I have not ever applied, signed or agreed to any services or product. This company is reporting false information and can not produce the documents to ensure that this is a valid and true debt. XX/XX/2020.
Product: Checking or savings account

someone opened this account with my information and also deposit checks into it I tried to get this dispute because I never opened and bank account with bank of America before
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNTS that end in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT| WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were discharged from our chapter XXXX bankruptcy in XX/XX/XXXX. We realized in XX/XX/XXXX that our mortgage was not showing on Transunion and XXXX credit reports when we tried to apply for a safe tub. It was showing only on the XXXX report. I called the bank. They sent me a letter dated XX/XX/XXXX, to forward to both credit bureaus. 

I called both credit bureaus several times and wrote letters. I spoke to the representatives and informed them I had sent them letters pertaining to our mortgage not showing on our credit reports on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I told the representatives they did not respond to my letters. They said they had no file for my husband from XXXX XXXX XXXX XXXX XXXX. I told them I sent them three letters with the date I previously sent it on the top and the letter dated XX/XX/XXXX, and XX/XX/XXXX, had the response from my bank. I told them it was showing on XXXX and they never responded. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been shopping around for mortgage rates with about 6 companies. All of them did " soft '' inquires on my account ( i.e. does not affect my credit score ), except XXXX XXXX via XXXX which did a " HARD '' inquiry on my credit ( which DOES affect my credit score ). I have not applied for a mortgage with XXXX XXXX and they did not have permission to start a mortgage ergo hit my account with a " HARD '' inquiry. I have attached the email that XXXX XXXX sent me after inquiring about a mortgage. Note that at the top of the email it says " Thank you for considering XXXX for your mortgage financing!, yet at the top there is a loan number ( " Subject : Welcome to XXXX, XXXX! ( XXXX ) ''. Not only did they hit my credit report with " HARD '' hits, they also hit my wife 's 3 credit reports, lowering her score too. 

I have called XXXX and they initiated an inquiry with XXXX XXXX, but that will take up to 60 days to complete. I am now ready to apply for a mortgage, and my credit score has been affected by XXXX XXXX XXXX " HARD '' hit on my account. 

I called XXXX XXXX and XXXX told me that is the way it is, and he would not address the issue at hand. Told me to go ahead and " call the FBI or whoever to handle my complaint ''. 

I called TRANSUNION ( XXXX ), and they also refused to do anything about my complaint about reversing the " HARD '' hit. I have attached their credit report showing the " HARD '' hit on my account. 

I have not talked to XXXX nor XXXX yet, but can not dispute online for what ever reason. It shouldn't take me 3 hours to get simple answers and get this hit removed. I have got nothing but the run-around whether it was online or on the phone ( except XXXX, they took my complaint quickly and were professional ) I have also attached XXXX and XXXX 's sections of my credit reports showing the " HARD '' hit on my credit report. 

I find hitting my credit reports with a " HARD '' hit when I was only inquiring about rates and fees.
Product: Checking or savings account

I as XXXX of XXXX XXXX XXXX a US company having a checking account with Citibank since XX/XX/XXXX) I billed my client in XXXX XXXX and they send me the payment of XXXX XXXXXXXXUSD on XX/XX/XXXX from XXXX  XXXX XXXX  XXXX in XXXX to Citibank . the XXXX XXXX put IBAN NUMBER instead of my account at Citibank and the name of my company he forgot the account Number. The XXXX XXXX   wrote several time to Citibank amending this issue and ask for payment .Citibank do not answer me, or answer the XXXX XXXX  and Keep this amount since 3 month at citibank . 
I visited my counsellor at Citibank he called and he verified that Citibank is holding the funds and he ask me to request from the XXXX XXXX  an Amendement with the account number to deposit my funds which the XXXX XXXX  did. 
In the meanwhile my checks were returned unpaid, I was charged next to XXXX dollars fees and still Citibank don't answer me neither answer the XXXX XXXX who send the funds neither depositing the money in my account or send it back to XXXX
Product: Debt collection

I was admitted to the Emergency Room at XXXX XXXX in Ohio while on XXXX XXXX orders. This was ordered by my XXXX. My human resource XXXX submitted the documentation to bill XXXX. The hospital said that they XXXX has denied claim. XXXX says it was never billed. I have hounded by collection agents, had my credit score negatively impacted, and ca n't get a higher security clearance which prevents me from getting a better job. I have spent literally dozens of hours on the phone and email over the past 20 months and emailed my congressman. All to no avail. I have all the documentation to support my claims. 

Collections have been placed though XXXX XXXX XXXX XXXX, law offices of XXXX, and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AMEX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I am filing this report due to these incorrect and fraudulent accounts that are on my credit report. I am having issues on my credit report with these accounts. Under the FCRA law these accounts needs to be removed from my account. I am including the identity theft report as well as proof. Please remove these accounts from my report. There are the hard inquiries. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, And the collections that needs to be removed are XXXX XXXX XXXXXXXX XXXX, {$4700.00} and XXXXXXXX XXXX XXXXXXXX {$4400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The list of accounts above has violated my federal protection, consumer rights to privacy and confidentiality on the 15 USC 1681 15 USC 1681 section 604A section 2 : a customer report agency can not furnishing account without my written instruction 15 USC 1681c . ( A ) ( 5 ) : no, consumer reporting agency may make my consumer report contain any of the following items of information any other advisor item of information, other than records of conviction of crimes which alternated to report by more than seven years 15 USC 1681s-2 ( a ) ( 1 ) a purse share, not furnish any information related to a customer to any custom report agency , if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I never applied for credit with this company and Experian is the only credit agency reporting this inaccurate information. I tried to call the company with no success in reaching anyone regarding these inquiries!
Product: Student loan

My student loan Borrow use to be Sallie Mae then a few years ago Navient took over for them so my student loan got switched I attended the XXXX XXXX XXXX at XXXX. After I got divorced I struggled 2 make my payment while raising XXXX  children. My monthly payment was XXXX and I called to discuss this matter with them multiple times. I told them I am single Mom of XXXX  children who doesnt make alot of money that I receive no child support from my ex husband. Asked if my monthly payment couldnt be lowered to like $ XXXX- {$25.00} a month. As usual I got told that wasnt an option that {$50.00} was the lowest they could go for me. So as always I would get behind on my payment a few months would go by of me not being able 2 pay it and Id call back the representative on the phone would tell me my best and only option would be 2 do a forbearance for a few months but of course the interest would still add up. They would tell me2 try 2 save up some money in the meantime during my forbearance so I could start paying my payment when it became due. I had no idea that there ever was an option of an income driven repayment option or refinancing options until one day recently I came across the lawsuit filed again Navient and I got looking into it. I feel Ive been a victim of this situation for years and they have charged me alot in interest. Alls they ever offerrd me was 2 do forbearance they claimed that was my only option. Thank youfor your time it means alot 2 me.

Sincerely Yours XXXX XXXX aka on student loan papers as ( XXXX XXXX ) that was my married name
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B YOU MUST REMOVE THESE FRAUDULENT INQUIRIES. INQUIRIES THAT ARE FRAUDULENT ARE : XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/2023. PLEASE REMOVE PURSUANT TO SECTION 605B.
Product: Credit reporting or other personal consumer reports

Equifax shared my information with mortgage lenders and other people without my consent, no I am being harassed and bombarded with calls, text, and emails from these people. I can't even receive a personal call on my phone because it is ringing back to back from unsolicited and un asked for calls and text.. They shared my name, phone number, social security number, birth date, and other personal information without my consent.
Product: Debt collection

This open collection XX/XX/2021 say i owe {$1200.00} and i never did business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir or Madam : I am a victim of identity theft. I learned that my personal information was used to open an account at your company. I did not open or authorize these accounts, and I therefore request that All accounts identified as identity theft in this report Ive supplied be removed immediately from my credit files
Product: Mortgage

When XXXX XXXX and XXXX XXXX issued their Covid-19 directives to Servicers when the Pandemic broke in the Us. Stating that Borrowers could miss up to 12 months of payments and it wouldn't impact their Credit Negatively nor would they incur late fees. I contacted my Servicer PHH and was told that they are only offering Three months of forebearance and at the end of the three months all of the back payments would be due in one lump sum. That's not what the letter from XXXX and XXXX states and this would be pushing homeowners into delinquency resulting in no help at all. When I told the rep. This he was confused and stated that's all that is being offered and that's how the program works. Consumers need clear and fair direction from the owners of the Mortgage Loans XXXX XXXX, XXXX XXXX, XXXX XXXX and VA stating that payments can be missed Borrowers will not be penalized and all missed payments are not due in three months in one Lump Sum. Borrowers should be allowed to miss the payments for the 6 month or 12 month window and have them added to the end of the loan with no penalties period.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was stolen and there have been unauthorized credit cards and loans opened in my name and reported to credit report.
Product: Debt collection

This collection agency is harassing me via email and never even verified the debt!! They are breaking the FDCPA!! Please deliver this CEASE and DESIST letter to them as they will just lie and deny receiving it if I mail it!! I am NOT paying them a XXXX and will sue them if they contact me again!!! Please enforce the laws!!!
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX Since then, this account has repeatedly been updated as charged off every month. This is an update in the payment history. A charge off should not include a payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly, and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXXXXXX
Product: Debt collection

: I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a  complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

Law 15 usc 6802 Law 15 usc 1692g Come its bank/ Charge off never received a 1099c Form and the account is over the statue limitation to report on my credit report. 

XXXX XXXX XXXX XXXX off never received a 1099c Form. 

XXXX XXXX XXXX off never received a 1099c Form-and the account is over the statue limitation to report on my credit report XXXX XXXX off never received a 1099c Form and the account is over the statue limitation to report on my credit report. 

I request that you investigate these discrepancies and take the necessary steps to correct my credit report. Given the nature of the ongoing legal issues involving Equifax, I expect that this matter will be handled with the utmost urgency and care. 
I request that you provide me with confirmation of receipt of this dispute and detailed responses regarding your investigation outcome with in 30 days time limit mandated by law. Please not that failure to correct theses inaccuracies may lead to further escalation of this issue, including reporting to the CFPB and compliance with credit reporting laws. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my EQUIFAX, XXXX and XXXX credit report ( s ). I have identified fraudulent accounts. Please block the accounts listed below : XXXX XXXX : XXXX - {$190.00} XXXX XXXX XXXX XXXX : XXXX - {$560.00} These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. These accounts are unverifiable and violate my consumer rights.
Product: Credit reporting

I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX, NC XXXX are the accounts that are fraudulent Account 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: Mortgage

Citizens is deducting taxes from my monthly payment and I am tax exempt as I am 100 % XXXX from XXXX. I have reached out to citizens more than 10 times since last XXXX faxed numerous documents from the tax accessor XXXX cty. No response from citizens. They should not be holding my money in escrow and reset my monthly payment. I can never get a straight answer when I call them.
Product: Credit card

I want to report fraud. Someone is trying to open credit cards in my name so there are fraudulent hard inquiries on my credit report. The credit cards have luckily been denied but I have several attempts made in my name to open accounts. I have reached out to XXXX, XXXX, and XXXX to report these as fraud. The following fraudulent hard inquiries were made : On XXXX : - CAP ONE NA XX/XX/XXXX - XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX On XXXX : - XXXX XXXX XXXX XXXX XX/XX/XXXX - CAPITAL ONE XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XX/XX/XXXX On XXXX : - CAPITAL ONE BANK XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX I plan to call each of these places to report fraud as well.