23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/ received lengthy voice mail message lying about documents that were to be sent out -- -they needed asset verification and address verification. Phone screen showed incoming call from ( XXXX ) XXXX. XXXX gave XXXX to call for questions. 
XX/XX/ XXXX  received incoming phone call regarding the above. When I asked questions, caller lied to me and refused to answer any further questions, and kept asking me repeat questioning while I was asking for clarification. When I refused to provide information, caller told me I was wasting her time. I asked that she remove my number from the list and get rid of it ; she replied that she certainly would! Phone screen showed incoming call from ( XXXX ) XXXX.
Product: Credit card or prepaid card

On XXXX XXXX I returned my remittance transfer coupon paid in full on my 2 capital one credit cards and I even made my payments before the due date of XXXX XXXX to find out today XXXX XXXX that the company closed both my accounts without notice I have never been late on a payment capital one is in violation of US code 16930-1 and public law 106-229 I am requesting swift adverse action and my cards paid in full and reopened and reported on time as they always are and were. Best regards XXXX XX/XX/22
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed in XXXX XXXX that a hard Inquiry was made for a XXXX bank credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit bureau ( XXXX Equifax, XXXX but nothing has change. That was XX/XX/XXXX. But already it had happened before on XX/XX/XXXX. II always tell XXXX to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me.
It never is taken off my credit report. I did NOT solicited a credit card with XXXX Bank.
Please help me out here.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I also have more inquiries that needs to come off my credit report that I did not make. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting

Since falling victim to the XXXX, XXXX, XXXX, and several other data breaches I have been unable to obtain my report and dispute anything on my report online. I only receive a message asking me to contact someone at the reporting agency. I would like to have my report unblocked as it has been more than 5 years since these breaches and I am in the process of repairing my credit. The inability to dispute online is hindering my progress tremendously.
Product: Credit reporting or other personal consumer reports

In XXXX, and XXXX, accounts were opened fraudulently in my name because I was in prison from XX/XX/XXXX to XX/XX/XXXX. I sent XXXX classification paperwork along with my prison ID stating the dates that I were incarcerated. After XXXX XXXX fraud department investigated my claims, it was determined that these accounts were determined to be fraud. I explained to XXXX  XXXX customer service XXXX XXXX XXXX XXXX, XXXX XXXX, And XXXX XXXX. I explained to all these representatives how I am a consumer with consumer rights utilizing Consumer Law. USC 1681n, and 607b FCRA. These fraudulent accounts were opened due to fraudulent applications, and was posting on my credit reports for years damaging my credit profile. This cause me to be denied funding, denied for installment loans. FCRA 607b states that Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy not minimum accuracy. USC 1681n FCRA addresses non compliance, but specifically willful non compliance. Any party with the knowledge that it violated the FCRA, or in reckless disregard for the FCRA and it's associated requirements, leads to serious consequences for the offending party. Specifically XXXX XXXX, but also includes Equifax, XXXX, and XXXX for reporting these inaccuracies for years from XXXX XXXX allowing fraudulent applications to be opened in my name reporting to all XXXX major credit bureaus damaging my credit profile. I am seeking compensation for stress, XXXX, anxiety, pain and suffering, and loss of wages. I am seeking {$250000.00} from XXXX  XXXX, and {$500000.00} from each credit bureau mentioned above for violating my consumer rights USC 1681n, and 607b FCRA.
Product: Mortgage

In XXXX of XXXX, we notified XXXX XXXX XXXX that we were abandoning our home due to job loss and relocation. We filed for Chpt XXXX bankruptcy. The bankruptcy was discharged in XXXX of XXXX. XXXX filed for exemption from the bankrupcy. We listed the property for sale after coming to agreement with XXXX for a short sale. We received a full cash offer for the home at the appraisal price. XXXX then sold the loan to Penny Mac. Since XXXX of this year we have provided paperwork to Penny Mac to again initiate and seek approval for the short sale to the same buyers. We are now receiving collection letters from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ - the letter asks for XXXX and says " Your creditor is XXXX XXXX XXXX. ''
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX 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

XX/XX/XXXX, XXXX Nelnet sold the debt to XXXX Loans. 

XX/XX/XXXX, XXXX Nelnet balance shows XXXX. 

Proof : XXXX ) I have a letter from Nelnet indicating there is no balance with them, yet they are still reporting a balance of over XXXX. 
XXXX is ignoring the hard documentation issued by the Nelnet. 

XXXX ) Student portal shows no balance as of XX/XX/2023. 

Disputes Resolved disputes You've previously resolved XXXX disputes with XXXX You've previously resolved 10 disputes with XXXX DEPT OF ED / NELNET Submitted on XX/XX/2023 Not Changed DEPT OF ED / NELNET Submitted on XX/XX/2023 Not Changed
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and experian, continue to report inaccurate and false information on my credit report. They are violating the COVID 19 CARES ACT as well as FCRA LAWS. The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The CARES ACT was in place to protect consumers against this. 
According to Section 609 of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score.

Furthermore, Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports.

I have disputed these late payments with XXXX, Experian, and XXXX but to date, no action has been taken to correct the inaccuracies on my credit report. XXXX and the CRA 's have illegally altered the information several times, even adding more late payments. I believe that XXXX, Experian, and XXXX have failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that XXXX, Experian, and XXXX take immediate action to remove the inaccurate late payments from my credit report and to comply with their obligations under the FCRA. If XXXX, Experian, and XXXX fail to comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations.

This unauthorized reporting has caused great pain in my life. 

Thank you for your time and attention to this matter. I look forward to your response and resolution to this issue.
Product: Mortgage

My mortgage loan was being serviced by XXXX Bank up until XXXX XXXX, when XXXX XXXX and I, XXXX XXXX, received a letter from XXXX advising that the mortgage loan was going to be serviced by Rushmore Loan Management Servicees effective XXXX XXXX. We had caught up with mortgage that was behind but we still owed late fees in the amount of {$900.00} ( which surprising enough is the same amount that we pay for our regular mortgage payments ). On or about the middle of XXXX XXXX, I called XXXX on the phone and spoke with a customer service representative regarding my interest in paying the late fees so that we can have a fresh start with Rushmore in XXXX. I specifically said to that XXXX customer service rep. that the {$900.00} that I was paying over the phone needed to be applied to late fees because the XXXX XXXX mortgage rent was already paid. Well, XXXX came and I called Rushmore and paid the XXXX rent. When I received the XXXX statement from Rushmore it said that we still owed the {$900.00} in late fees ( please keep in mind I already paid the late fees with XXXX - or so I thought ). I called XXXX back and spoke with customer service who informed me that instead of applying the monies towards late fees as I had asked, they applied it to the XXXX XXXX mortgage rent. I was furious! I had paid my mortgage twice!! I immediately contacted Rushmore and asked them to apply my XXXX overpayment towards my XXXX rent and they refused. They said that they needed a letter from XXXX indicating that they received the XXXX payment. After a couple of weeks and several visits to a XXXX branch, I was able to obtain a letter from XXXX advising that they indeed applied my XXXX payment to the XXXX rent. I faxed the letter to Rushmore on XXXX XXXX, XXXX, and as of today, my rent remains behind on month. I keep getting harassing letters from Rushmore asking for money to pay the XXXX XXXX mortgage - I have been paying the mortgage every month despite my efforts to get credited for the overpayment. I have complained to the Florida Office of XXXX XXXX XXXX XXXX XXXX and they sent a letter to them over a month ago and have still ignored the agency 's request for an explanation of why they have failed to credit my account accordingly. The letters Rushmore send to us, is very upsetting because we do not owe any mortgage rent. We have paid in time. The account is in my husband 's name but I am an authorized user on the account.
Product: Debt collection

Reps from Capital Accounts , LLC repeatedly call my telephone number regarding some unknown debt. They call telephone # ( XXXX ) XXXX several times per day. I have no idea the Debtor they represent because all of my debts were included in a Bankruptcy in 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Closed. {$260.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
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 : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX - XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

As a result of the 2017 Equifax Data Breach, Equifx notified me that my personal information may be compromised.
Product: Credit reporting or other personal consumer reports

Why until now I have not received any response from the bureaus. How many times have I sent a letter to them. why is it still not solved? Please remove these accounts and inquiries from my credit report. This is the list of negative accounts I want deleted XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$7600.00} XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I made a payment to a rent company totaling {$1700.00}. On XX/XX/XXXX of XXXX it was taken out my checking account. I called the company and an agent said it was probably a glitch but because they were third party the best thing to do was to contact the bank and dispute it and show my receipt and they should be able to rectify it. On XX/XX/2023, I called Wells Fargo and disputed the charge. A provisional credit was given and I was told it could be up to 90 days to investigate. I received a letter one month later asking for documentation to be provided. I emailed XXXX a picture of the receipt. On XX/XX/2023 I received a letter that the claim was being closed because I didnt send the email. I called and agent walked me through sending the email again in pdf form and on XX/XX/XXXX they still reversed the credit and closed the claim without any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Mortgage

Hello hello to whom it may concern I reached out to Mr. Cooper requesting a modification. The modification application was horrible. It took forever to get in. I was getting a horizon. Phone calls digest approved the modification but the numbers does not make sense. They approve for me to pay starting in XXXX {$2200.00} But they calculated my net income that I bring home only to be {$2100.00} a month im not sure how they was able to calculate a payment thats over than what I bring home a month I can not afford that Ive explained this to them time and time again. I can not afford to pay my mortgage payment. The modification does not help me at all, I have requested for them to go back and re-look at the numbers Ive sent them in my last two paycheck stubs that shows how much I bring home a month and I only bring home XXXX a month I can not afford to pay My mortgage and this is not including my expenses
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX, XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX
Product: Debt collection

Hello there, Please be so kind to review the documents submitted. We have attempted multiple times between my husband and I to resolve this billing error and pay the rightful amount, but we have been met with hostility and refusal to review actual binding documents. We have included the Final Account Statement provided by National Credit Systems, the Apartment Lease Contract and our bank statement showing the {$1000.00} had been paid. The Apartment Lease Contract stated {$1000.00}, due on or before the date this lease contract is signed is a concrete proof showing that we have paid {$1000.00} deposit due before move-in. We discussed this point with the National Credit SystemsXXXX XXXX XXXX XXXX representatives multiple times, but they refused to take this binding document seriously which is ironic for a law firm. They have hung up on us multiple times and yelled at us Pay your bill when were trying to make a point that theres an accounting error that must be corrected first before we pay. The last document is our bank statement which shows {$1000.00} used to pay for the deposit as outlined by the contract before move-in. {$1000.00} should have been credited to the bill rather than {$500.00} showing on the bill. The difference is the amount we will pay, {$170.00}. We have told them that were willing to pay but it has to be the correct amount and they showed no interest in resolving this so we are hoping that you all will be able help us rectify this situation. Thank you for your time.
Product: Debt collection

AFNI has reported to XXXX that we owe {$250.00} to XXXX XXXX XXXX but we do not have any past due amount on our XXXX XXXX XXXX bill, our bill is current. I initially noticed that AFNI was reporting this debt to all 3 credit bureaus but I disputed it a few years ago and XXXX   and XXXX both removed it from my credit because it is not a valid debt. I have disputed it with XXXX but AFNI claims that that the debt is mine despite sending them our current XXXX XXXX XXXX bill with my phone number clearly shown. 

AFNI has a terrible reputation for trying to collect on debts that are not valid and I believe they are trying to scam me into paying them {$250.00} for a bill that I do not owe. 

I am happy to submit our current XXXX XXXX XXXX bill to prove that we do not owe them {$250.00}. Not only that, I am quite certain that XXXX XXXX XXXX would have cancelled or suspended our phone service if we truly owed them this money. We have had our phone service with XXXX XXXX XXXX since 2007 with the same phone numbers and XXXX XXXX XXXX can verify this. There is no way we could owe them this money.