23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They called my mother looking for me. When she told them they had the wrong number the Collector told them they were calling in regards to a debt owed. My mother is not a cosigner and I am over the age of 18 and was when the debt they are referring to was incurred making this a privacy violation of the Fair Debt Collection Practices Act which clearly states a debt collector can call your boss, your friends and your family looking for you but the debt collector cant tell them that theyre calling to collect debts. I was told by a supervisor that they would speak to the person my mother spoke to and educate them but we both know places like this sweep this kind of stuff under the rug and rarely expect people to actually take the time to file a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue.
Product: Student loan

I am requesting my servicer, Mohela, explain why my next payment date was moved from XXXX to XXXX? What triggered this change? 

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

TransUnion account internal locked. Why is this I cant access My credit report through Trans Union I have to use a third-party company which information is not possibly up-to-date or accurate. I feel like the company is Missusing and miss handling my personal information.
Product: Mortgage

Unable to contact a live person to inquire about a new home equity line of credit fee when I don't have a home equity line of credit with this company. computer generated/recorded assistant will not allow me to speak to a live assistant. 
Tried their live chat assistant, and was informed that its live assistants were busy helping others and option to have someone call me back was not an option.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened : XXXX XXXX XXXX amount : {$1100.00}. 
I tried many times to call this company, they did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 usc 1681 Section 602 States i have the right to privacy.

15 usc 1681 Section 604 A Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Debt collection

XXXX XXXX XXXX representing Midland Credit Management pursued and obtained a judgment against me and my husband. This company has documentation showing my husband is currently serving on XXXX XXXX and they still pursued the judgment. This is in violation of the XXXX. I was not able to obtain employment after our last change of duty station and that is why the account fell behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED ALLY AUTO FINANCE TO DELETE THE WHOLE ACCOUNT FROM ALL THREE CREDIT REPORTING BUREAUS AND THEY REFUSE TO. I NEVER GAVE THEM PERMISSION TO PUT ANYTHING ON MY CREDIT REPORT THEY ALSO VIOLATED THE TRUTH IN LENDING ACT AS WELL.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX am XXXX XXXX XXXX and I have two dependents that I claim every year since they are born. I am a single mother and do this all on my own. I'm certain that you have received numerous of complaints as I am bring forth to you this evening. I'm aware and sure that this submission is has a big possibility of slipping through the cracks and I am never going to be provided the respect that everyone deserves. I'm coming to you today to let you know of the extreme mental decline status I have been put in by the number of times I have been ignoring, laughed at or made me feel as if this world would be better off without my presents. At this point I really do believe that my kids would much more financially stable if I were eliminated at this point. I have attempted so many times to request assistance from three credit bureaus to help my children and I. On XX/XX/2023 my mother passed away and she was the one who honestly believed that I was a true asset to this world and never gave up on helping me and my kids out. I have delt with XXXX XXXX XXXX  that have been evaluated by actual licensed medical professionals and have been diagnosed multiple times only to have my application for XXXX be rejected for reasons unknown. Now that my mother is gone from here, I'm here and feel so alone. I live a life that is going to be acceptable in any legal standards to provide for my XXXX children and have done everything possible to keep them at my side. My credit report paints a picture of someone that is not me. There are things on my credit report that I have contested over and over again. Only for them to continue to terrorize me and my life. I am one step away from being placed out in the street and I honestly to God do not have anyone that I would be able to turn for help. That's one of the most scariest things I have swollow and accept at this point of my life. How do you sleep at night? Because I have not had one good nights rest since I can remember. My past adolescent life is something that I had to foresee and I have learned very much so from. This does not mean that these companies take that and assume I am the same kid I was years and years ago.. something has got to give. Please help me.
Product: Debt collection

The company is Midland Funding XXXX, they are rude & obnoxious. Accusing me of check fraud, they have a lady who calls & says she is from a county office using a bogus XXXX area code cell phone, she doesn't identify the county or office she is with, I tried to call number back but no answer or any other info all she has is a case number & XXXX number for Midland. When I called the XXXX number I was threatened with legal action, accused of being a thief. The lady called a second time & left me a voice mail threatening to harass me at my employer. I am not sure what this loan is, but when I called they said well you only owe XXXX & if you don't pay it we will sue you for 5 times this amount. I told the man on the phone that I have had identity theft & I can prove that my information has been used illegally, he basically told me I was lying. I told him if he was legit he would be familiar with the protocol in this situation. He got really mad at me & told me they would hire an attorney & sue me.
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 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 XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Mailed in FTC report 4 times each of the last 4 months with tracking number and still haven't received none of my documents. 

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 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, credit repair services, or other personal consumer reports

Good Afternoon, I have made several attempt to contact experian credit bureau for an inquiry that is  XXXX   XXXX ,  XXXX   XXXX  and today  XXXX   XXXX   XXXX  reported for the incorrect date of removal  XXXX   XXXX   XXXX  Date :  XXXX  unspecified Reason : This inquiry is scheduled to continue on record in  XXXX   XXXX . That inaccurate it should be  XXXX . They refuse to remove.   Please Help Thank you
Product: Credit reporting or other personal consumer reports

I am writing this letter to dispute the following accounts : XXXX & XXXX, Reported : XXXX. XXXX, XXXX  {$620.00} This agencies are in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. Therefore, the following accounts must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. I have reached out to this company and they have agreed to remove the account they deleted it from my credit report experian and transunion but it is still showing on my equifax when I checked my XXXX score report but does not show on any other XXXX where I check my score at.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for their continued failure to investigate and remove fraudulent accounts and outdated personal information from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and submission of the required documentation, Equifax has failed to take appropriate action, claiming that they have not received the necessary evidencea blatant falsehood. 

The fraudulent accounts on my credit report are the result of identity theft stemming from the Equifax data breach, which exposed my personal information to criminals. I have already submitted updated identification and documentation to Equifax multiple times, yet these inaccuracies remain unresolved. The fraudulent accounts that Equifax continues to report include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In addition to the fraudulent accounts, Equifax has failed to remove outdated and fraudulent addresses tied to these accounts, including : XXXXXXXX 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 These addresses are not associated with me, and I have provided proof of identity theft and the data breach as well as updated identification. Equifaxs continued inaction perpetuates inaccuracies on my credit report, harming my creditworthiness and financial stability. 

Equifax has claimed on multiple occasions that they did not receive my documentation, despite my providing clear and verifiable evidence. This is not only a failure of compliance but also an attempt to obstruct the resolution of my disputes. Such behavior directly violates the FCRA, which mandates that credit reporting agencies : Conduct reasonable and thorough investigations of disputes within XXXX  days. 
Remove inaccurate, unverifiable, or fraudulent information promptly. 
Provide transparency and clear documentation of their investigative process. 
By failing to act, Equifax has demonstrated negligence and disregard for federal law. Their inaction has caused ongoing harm, including financial loss, emotional distress, and damage to my credit profile.
Product: Credit card

I have a Neiman Marcus store credit card, which I believe is provided by Capital One. I enrolled in on-line statements. I have a personal shopper who occasionally orders items for me to be shipped to my home, by my request. I requested my shopper to purchase a couple clothing items for me, but they were on back order. A month or so later, the order processed and the charge was posted to my credit card account. I had completely forgotten about the order and did not access my credit card account over this period as I had not shopped at the store and was n't expecting any charges. Over this period of time I did not receive any courtesy notices that a charge had gone unnoticed or unpaid on my account. On XXXX XXXX, I received my quarterly credit monitoring report and saw that Neiman Marcus credit card had posted derogatory information about me as a late payer. I immediately logged into my NM account and saw that there was a charge that was past due. I paid the balance immediately. I was shocked that derogatory information was posted to my account without them at least once trying to contact me to remind me of the balance. AFTER that information was posted, I received ( XXXX days later after my credit monitoring report ) a past due balance reminder. At this point the damage was done. My credit score went from high XXXX 's down XXXX points. I have no other derogatory information on my credit history - nothing. I wrote to the NM credit department ( as they do not take - or apparently make - calls ). I sent them a copy of my credit report to show them that they were dealing with a person of high credit standing. They sent me a proforma letter saying they would not reverse the derogatory information. I later called customer service and closed my credit card account and they did not even ask me why. They closed it in about XXXX seconds. I refuse to let this go without them removing the derogatory information and changing their collection practices to include a reminder before submitting derogatory information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to remove a security freeze temporarily, and submitted all the required data INCLUDING my correct pin. 
Then they required I submit a letter with extra information. 
There is no option to speak to representative to try resolve this. 
Their requirement for me to submit a letter and other documentation is excessively onerous and time consuming especially sine I have already had my credit freeze with the two other credit reporting agencies lifted AND I have furnished Experian with ALL the data they requested. 
The only reason I had to freeze my credit was because XXXX  negligently released all of my secure data. 
I feel that Experian is now negligently failing to lift my credit freeze temporarily and should be sanctioned by your office for this.
Product: Money transfer, virtual currency, or money service

I reportEd I never received items paid from this account XX/XX/year> they made me request the money back but then let the request expire and the person kept my money I never got refunded they never investigated spam or fraud accounts.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies.This account is hurting my ability to obtain credit. It is my understanding that Transunion will investigate my complaint and provide proof that what is being reported is accurate. Account : XXXX XXXX XXXX ACT # XXXX
Product: Mortgage

My husband XXXX XXXX entered into a Reverse Mortgage Agreement with XXXXLiberty XXXX in XXXX of XXXX. In order for him to obtain the Reverse Mortgage, my name had to be taken off the deed because of my age XXXX less than XXXX years of age at the time ). My husband XXXX passed away on XXXX XXXX, XXXX due to XXXX. XXXX/Liberty XXXX is attempting to foreclose on my childhood home that has been in my family for over 3 generations. 
I have attempted to keep my home by being told in the beginning that I could obtain a loan of 95 % of the appraised value of my home after my husband 's death. I also filed " probate '' of my husband 's Will ( even though he had no life insurance ) but I probated his Will incurring additional expenses in order to give me authority to sign a sales contract from his estate to myself -- this was done only to find out later ( after executing about 3-4 sales contracts ) that there is no way that I am able to obtain a mortgage on my home as it is must be a " short-sale '' and it is too " complicated '' of a transaction ( arms-length ) transaction. I did not pay real estate/county or borough taxes since my husband 's passing because I did not want to incur additional expenses only to find out that I would still be unable to live in my childhood home. Now my home is set up for a " sheriff 's sale '' on XXXX XXXX, XXXX for " unpaid real estate taxes. '' I spoke to XXXX/Liberty XXXX today ( XXXX XXXX, XXXX XXXX and was told that I need to pay all delinquent taxes in order to stay in the home but even if I pay the delinquent taxes that there is no guaranty or assurance that I can remain in the home and it is entirely up to HUD. I am not in a financial position to pay delinquent taxes and then to later find out that HUD still refuses to allow me to maintain residency in my home.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning accounts currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed items from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

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

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit .it is my understanding that you will investigate these items for me to ensure accuracy .here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They have a hard inquire on my credit report and I never applied for an account with their company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Account # : XXXX, is still reporting incorrectly. This account has been PAID IN FULL and CLOSED by " XXXX '' from XXXX XXXX. 

XXXX XXXX XXXX XXXX is still reporting my credit card balance as {$1000.00} on both Equifax and XXXX but has been paid down to a balance of {$36.00}. Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2023 I sent to XXXX, XXXX and Equifax the letters pretaining to the removal of personal information due to identity theft I sent in the forwarding documents and I received no response nor was the information removed. XXXX keeps reaging accounts that should have been removed and they fail to remove information that is incorrect.I feel that XXXX is retailiating against me because I am a consumer in the class action lawsuit against the company. 15USC 1681 I ( 5 ) States that everything has to be complete and accurate. 15 USC 6802 States " No financial institution is suppose to share my information to third party people. My federal consumer rights are contioniusly being violated. 15USC 1681 section 602 A, states " I have the right to privacy, also 15USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. In which these accounts are violating my rights. acct # XXXX XXXX XXXX/ ( XXXX XXXXXXXX XXXX, acct # XXXX XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) acct # XXXX XXXX XXXXXXXX, acct # XXXX XXXX XXXX. 
15USC 1692 section 805 A in which XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights as well.
Product: Credit card or prepaid card

On XX/XX/XXXX I attempted to change my telephone number with Chime via Chime app. I could not. I opened a live chat within the app for assistance. The representative requested documents that I sent within the app. After receiving the information the representative stop responding. I ended the chat then called Customer Service. While on hold I received an alert stating suspicious actions and my account was suspended. I've submitted 3x all requested information, As of this writing ( XX/XX/XXXX ) my account continued to be inaccessible even after submitting proof of ownership. They refuse to close the account and send my money. 

Your assistance in this matter would be greatly appreciated.