23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 at XXXX XXXX XXXX XXXX, i called the number provided to speak with XXXX XXXX, at extension XXXX, about a credit deletion we were discussing previously. I had my mother on the phone as well because she had planned to help me with a payment, on this call we learned I had been given misinformation by XXXX the day before so now I needed to discuss with my mother privately because we didnt have the funds for what they were asking. XXXX then harassed us for several minutes about a settlement instead before we disconnected with a plan to speak again at XXXX XXXX XXXX. I called XXXX twice at this agreed time and was met with no answer, but I was told if I missed incoming calls from them, I would have further action taken against me. I left a voicemail with the thought that maybe he was tied up in something for a minute ; I received no calls for another hour and 15 minutes so I called again at XXXX XXXX XXXX. XXXX did answer this call and I informed him that I would no longer be pursuing any settlement or deletion, I no longer give my permission to administer the payment set up, and the only thing I would like to discuss was getting a validation letter of this debt, in writing sent to my current address. XXXX then began to berate me as to why I changed my mind, what my mother and I talked about, insisting I shouldnt do this, trying to give me more settlement offers, and going as far as waving down another representative to help berate me ; all while I was repeatedly asking him to stop, told I didnt want to discuss further details of my private conversations or why I was making any decision and repeated what I asked for. The other representative was XXXX XXXX, once he came on the line he began the same speech that XXXX had and then insisted I was letting my mother make my decisions for me, that I was unaware of the decisions I was making and unaware of what the correct decisions were, that I was ruining my credit, that I needed financial counseling, insisting I needed to listen to him and his advice, as well as talking over me constantly, telling me they had to request a letter of validation and wait for that to be approved so I should just mail them a request for specific information ( which I can do, but legally they have to provide me with a validation letter of the debt ), also called me childish and unprofessional for not listening to him and asking him to stop, and then hung up on me. I also have a recording of this conversation due to the first interaction this morning and I see no issue since they informed me they were recording as well.
Product: Student loan

I recently pulled my credit report and my loans were current paying as agreed with no notification that I had come out of in-school deferment. I was contacted in XXXX of XXXX stating that I was in fact 120 days past due. I explained to the rep that I in fact was not 120 days past due. I immediately started to calculate from the ending semester of XXXX XXXX and I would have been reaching to my 30 day mark. I was told that until I can obtain a letter from the second school I was attending with verification of attendance I could apply for their indigency program ( unemployment deferment ) as long as I met the criteria, which I did and they would backdate and remove any missed payments and bring my account current. She also stated when I started school I can then have the school to request an inschool deferment. Well I have spoken with 5 reps since then. I was originally told I was 120 days past due and have been told 5 different things as to the time frame I am past due, I did not submit the correct documentation and was told 5 different things. Each time being patient to fix whats now effecting me in a horrible way. After submitting the documents they did push my due date out but did not correct the past due amount on my credit and to me that 's an issue. After submitting filling out what 's required that misinformation has been given is n't my faulat and in no way should be reflected on me, yet it is. I 'm still being told that the information I submitted was n't good enough and to resend information. After speaking to the manager who then tried to use my statement as if I stated that I did n't want to go to school and probably because the school was right. My reasoning was because I no longer had transportation and had to pay someone that I could n't afford to do to take me to the school who would have to drive XXXX hours to pick me up and an additional XXXX minutes to take me to the school, pay parking, etc. Even after explaining my situation and although I was given several stories including submitting the indigency application and they will backdate it to correct the issue. I explained that I only called back because I now have received 5 now 6 stories and was being told that a rep put in notes that I stated something that was in fact false. The manager asked me if I was done. I have never had to ask for the program before and I have never requested anything from them. The one time that I submit what was told I needed to submit to rectify the situation I am being told by the manager I do this often. When in fact I have never had to deal with them personally but once 5 years ago and it still shows on my credit as past due after being told then they would fix the issue other wise the school I have attended has always notified them I was in school. They were rude, liars, and falsifying information without 1 notice from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove this item from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.
Product: Credit reporting

I have asked experian to delete wrong information from my report and they have fail to do so. the only results that I have got are updated, but still shows wrong personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

TransUnion, XXXX, & XXXX were not given my consent to report any of my personal information.
Product: Mortgage

My current loan servicer obtained my loan while it was in default from    XXXX   XXXX   XXXX   .   I have sent numerous RESPA letters to try to obtain my entire loan history. However,  XXXX  can only provide their servicing documents and escrow account documents. The monthly loan records from    XXXX   XXXX   XXXX    and the original servicer   XXXX   have not been produced.  XXXX  offered me a Trial Modification and the letter states that " Funds  may  be held in a non-interest bearing account until they total an amount that is enough to pay the oldest delinquent monthly payment.   XXXX   can not provide a schedule showing the monthly amounts due to effectively apply the Trial Modification Payments.  <P/> In addition, their foreclosing law firm,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . did not send a Notice of  Default  and 30 Day Right to Cure letter. Copies of the attached letters have been sent to the foeclosing law firm requesting a loan history and they as the debt collector can not provide such information either. Why is the loan history since inception of the loan missing?
Product: Credit reporting or other personal consumer reports

Why am I still getting emails from the bureaus saying Im helping credit repair companies? This is wrongI send out the letters. Act now or I will sue. Heres the list of negative accounts and inquiries I wantto remove. 

XXXX : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Experian : XXXX XXXX XXXXccount Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX TransUnion : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/year>XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus have severely dropped my credit scores and are reporting this comment or something similar : " Open real estate account balances are too high compared to their loan amounts. '' I live in the XXXX a retirement community. We have two types of homes - original and updated. If your home is in original 70 's 80 's condition it is of significant value less that if there has been a current remodel. This was my house in the beginning. It was in original condition and I have a completed a total restoration. I am NOT underwater with my mortgage of {$250000.00}, as this would be the low end value of my house even with a real estate value bubble burst! 

This is totally unfair to those of us who have invested in retirement homes in a retirement community. I have a 2 bedroom 2 bath 2 car garage on the 18th hole and don't plan to sell, however reducing my credit score to XXXX is criminal! This affects future car purchases, other loans, and insurance rates. Hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date XXXX inquiry : XX/XX/XXXX XXXXI Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX & XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of XXXX : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX AMERICAN EXP Date of inquiry : XX/XX/XXXX XXXXF Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three ( 3 ) credit bureaus numerous times in regards to my social security number being compromised. I have let them know each time that I am a victim of identity theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report # XXXX via the XXXX XXXX police department. I have been advised they may contact them at ( XXXX ) XXXX to verify the report and have informed them of this in each request. I have asked each time for them to remove and block all information from my credit report that I included in each request, and to send me a copy of my credit report proving they have done so. The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX - Opened XX/XX/XXXX XXXX XXXX Credit Card - Opened XX/XX/XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX  XXXX C - XX/XX/XXXX XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX/XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX 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 I asked them to remove and block all information resulting from identity theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within four ( 4 ) business days of receipt.

Again, I also asked them to please send an updated copy of my credit report at no charge as the act says there should be no charge for this updated report. I also requested that they please send notices of corrections to anyone who received my credit report in the last six months.

The only responses I have received are generic responses saying these items have been validated. I have requested numerous times for them to provide proof of how they obtained validation and have received no response.

According to the Fair Credit Reporting Act, Section 609 ( 1 ) ( 1 ) ( A ) they are required by federal law to verify, through the physical verification of the original signed consumers contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

Please see the True bill attached for the ( XXXX ) violation of accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and delete from my credit report. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the attached dispute letter, which is dated, and time stamped, and invoice attached.
Product: Mortgage

I received a bill today for an escrow shortage and a notice to foreclose on my residence. I have made all payments for real estate taxes and insurance for several years. This is a fraudulent charge.
Product: Mortgage

I found out yesterday that my name and credit rating was attached to this loan. 

I DID NOT SIGN OFF ON THIS LOAN!!! 

I DID NOT sign this document and it was notarized by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I WAS NOT there, and not sign it, I was in XXXX XXXX on business and have plane tickets, hotel bill and witness ( s ) that will gladly give deposition to this fact. 

I wish to pursue this matter in everyway possible and convict all parties involve in this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My  XXXX  credit bureau was pulled by  Prestige Financial  on  X/XX/2014.  I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax credit bureau/Equifax Information Services LLC added remarks to accounts I demanded to be deleted/removed from my report after I filed a CFPB complaint again demanding the removal/deletion of such accounts because Equifax/Equifax credit bureau/Equifax Information Services LLC being pass the 30 days of investigation and did not provide me the status. Equifax/Equifax credit bureau/Equifax Information Services LLC stated the accounts came back verified but failed to provide me the status and investigation method XXXX XXXX xxxxx XXXX XXXX - XXXX & XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am a Costco Executive member. They offer a credit card thru XXXX. I had XXXX but Costco Switched mid year to CitiBank visa XXXX/XXXX/16. On XXXX/XXXX/16 I checked my account and it was locked, and it told me to contact Citi regarding fraudulent charges. There was a fraud charge in XXXX, AZ at a XXXX. I told them to close the account. Citibank refuses to pay me my cash rewards from XXXX/Citi that I accrued, their reason is because I closed my account. THIS IS THEFT!!!! MY REWARDS WERE MOSTLY FROM XXXX PURCHASES ( PRIOR TO XXXX/XXXX/16 ). CITI IS NOT ENTITLED TO MY REWARDS CASH. THEY ARE STEALING FROM EVERY PERSON THAT CLOSES THEIR ACCOUNT.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The account was CLOSED XX/XX/XXXX and is actively reporting " last activity '' of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as XXXX with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any XXXX. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( XXXX, XXXX, Equifax ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( XXXX, XXXX, Equifax ) negligence and failure to adhere to the FCRA. I demand the immediate deletion of the aforementioned charged-off account from my credit report. 

Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. Thank you for your prompt attention to this matter. 

Best Regards, XXXX XXXX XXXX XXXX ALL RIGHTS RESERVED
Product: Debt collection

NATIONAL CREDIT MANAGEMENT has placed an additional report on my credit when it was previously made clear we would be working with the XXXX University XXXX XXXX XXXX on resolving this matter directly. 

Please check reference to Consumer Complaint No. XXXX Details with Missouri Attorney General Sent email to XXXX XXXX to advise of concern about account and attempts to find resolution again, given the circumstances, as of XX/XX/2019 Will not be paying two separate debt collection efforts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have put in bold the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
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 BMO 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 XXXX XXXX XXXX XXXX XXXX XXXX BMO 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 BMO 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My rights under the Gramm-Leach-Bliley Act, specifically 15 USC 6802 ( b ) and ( c ), have been violated by the improper handling of my personal financial information. 

According to 15 USC 6802 ( b ), financial institutions must provide clear and conspicuous notice about their privacy policies and practices, including the categories of information collected and disclosed, and the third parties with whom the information is shared. 

Additionally, 15 USC 6802 ( c ) requires that customers be given the opportunity to opt-out of the disclosure of their nonpublic personal information to nonaffiliated third parties. 

The specific ways my rights have been violated are as follows : Lack of Proper Notice : I have not received any clear and conspicuous notice from the financial institution ( XXXX ) responsible for the information reported to your bureau about their privacy policies and practices. There was no explanation of the categories of information collected and disclosed, nor a list of the categories of third parties with whom my information might be shared. 

Failure to Provide Opt-Out Opportunity : I should have been given the option to opt-out of any sharing of my nonpublic personal information with nonaffiliated third parties. To date, I have not been provided with any means to exercise this right. 

Unauthorized Disclosure : Without the proper notice and the opportunity to opt-out, my personal financial information has been shared with nonaffiliated third parties. This unauthorized disclosure has led to the inclusion of inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

PENTAGON FCU - XXXX XX/XX/2022 I talked to a representative at PENTAGON FCU XXXX XXXX about this issue that I saw posted on my credit report and they told me they understand this error and would have this hard inquiry remove from my credit report due to invalid authorization.