23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX - {$500.00} ( portion of COVID-19 Fed. Govt. relief package ) was sent to XXXX XXXX XXXX ( a collection agency for XXXX ) advising that no additional funds were available. 

XX/XX/XXXX - Received collection letter from collection agency, XXXX XXXX XXXX, that I am on Social Security XXXX, and I am " judgement proof '' and no sources of government assistance ( which is my only income ) can be garnished. Advise XXXX & XXXX that I do not want to be contacted in the future using any communication whatsoever and that further contact would be considered harassment in violation of the Federal Fair Debt Collection Practices Act 15 USCA Sec. 1692c. 

XX/XX/XXXX - a new collection agency, XXXX XXXX, acting to collect this same original XXXX debt, sent another collection letter to which I responded with almost an identical text as the XX/XX/XXXX letter. 

XX/XX/XXXX another collection agency, Scott and Associates, PC, has attempted to collect this same, outstanding debt. 

I can only assume that XXXX ( account ending in XXXX ) is attempting to use various collection agencies to disguise harassment attempts over time. 

I am, therefore, reporting this latest harassment attempt to you, the Consumer Financial Protection Bureau. 

I have included copies of the relevant correspondence as attachments. 

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

My name is XXXX XXXX XXXX, I have reported this as my only name to the credit bureau and it is still not being reflected on my report. I demand that this be the only name reported and all others be deleted. I have attached an utility bill. 

In accordance with the Fair Credit Reporting act the following companies have have violated my rights. 

XXXX XXXXXXXX XXXX - Account number : XXXX XXXX XXXXXXXX - Account number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX - Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX  : Account number : 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 an account without my written instructions. I have not provided permission.

15 USC 1681 ( a ) ( 4 ) Violation of Privacy- Your company did not ensure that this information is accurate, as it is reported differently or not at all on my other reports, and you do not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this the violation of my rights to privacy.

15 USC 1681 ( d ) ( A ) ( i ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate is whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2021 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I am seeking a correction regarding an event occurring XX/XX/XXXX I was notified of a late payment regarding my account. My account was scheduled for auto-pay and I have enclosed an ACH transaction receipt number with this letter showing that XXXX withdrew XXXX from my account. After speaking with XXXX customer representatives to rectify the situation I was instructed to fax proof to the XXXX XXXX  department, the enclosed ACH transaction number was sent in the fax. After sending the fax there was no follow-up or communication from XXXX regarding the issue or notifying me that the investigation was closed. 
This error caused my account to become delinquent and according to XXXX customer service representatives, this caused my auto-pay scheduled for XX/XX/XXXX to not draft since XXXX had not credited the XX/XX/XXXX payment. At no time has my account settings changed to deactivate auto-pay. As I have not been delinquent prior with auto-pay scheduled and functioning properly, I was unaware that the payment was not drafted until receiving correspondence from XXXX. Most recently I spoke with a customer service representative that notified me that the last written request sent in XXXX, XXXX to address this issue was closed without my notification and XXXX investigated the wrong date and event. From this conversation occurring on XX/XX/XXXX I was notified that a ticket with roughly the following information was executed by XXXX in XXXX of XXXX. 
TICKET NUMBER : XXXX CONFIRMED WITH CLIENT TICKET. 
TO REVERSE PAYMENT ON XX/XX/XXXX AND APPLY ENTIRE {$3700.00} AS A PRINCIPAL CURTAILMENT. 
A series a XXXX Reversals on the account payment history to occurred on XXXX XXXX along with a Principal Curtailment of {$3700.00}. On XX/XX/XXXX the funds appear to be inappropriately reapplied as mortgage payments. This caused me to have to pay an additional mortgage payment on XX/XX/XXXX to bring my account to good standing as XXXX had not credited any prior payment spanning from XXXX to XXXX as current. XXXX has reported a negative credit report that should not have occurred, which has severely affected my personal XXXX XXXX.
Product: Mortgage

Nationstar Mortgage Company purchase my home loan approximately six months ago. My monthly payment is supposed to be {$1700.00} per month by contract. However, Nationstar constantly charges a late fee of {$10.00} when the payment is not in fact late. This is almost a monthly occurrence. The latest incident is for my XXXX 2017 payment in which Nationstar charged this {$10.00} late fee, but no details " why '' any payment was allegedly late. The XXXX 2017 mortgage payment was received by Nationstar on XXXX XXXX. I can only imagine how much money Nationstar has collected from other customers who did not question their alleged " late charge '' that was not in fact late.
Product: Credit reporting or other personal consumer reports

My personal information was compromised in the past and someone used my social security number without my consent to open up unauthorized accounts. My life was seriously impacted because my credit report suffered severely because someone stole my identity. These accounts and inquiries are unauthorized and opened without my consent. I need them removed immediately and you have 4 days to block and remove these accounts upon receipt of this complaint based on the fair credit reporting act.
Product: Credit reporting

I was married and we had a joint mortgage through XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I was divorced in 2013 and the mortgage was refinanced this year in my ex husband 's NAME ONLY. I have tried for 3 months to get the remaining balance of {$140000.00} off my credit report and Equifax still says it is my responsibility even though the credit union does not show my name anywhere on the mortgage now.
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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Product: Student loan

XXXX XXXX XXXX across the United States defrauded the students and the system. XXXX XXXX XXXX filed for bankruptcy due to these and many more fraudulent acts. 

I too recently have filed to bankruptcy and the lawyer stated this should be dismissed by the current President. This should automatically be discharged as they have for more than XXXX other defrauded and deceived students. 

It did not help that 4 days after my lawyer officially file my bankruptcy papers that someone representing Great Lakes called and harassed me about making payments starting the month of XX/XX/2021. 

Best regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I did my bank statements balance of XXXX found a money transfer of XXXX dollars without my permission from may bank. i contact the complain department of XXXX XXXX banks, XXXX XXXX, and they said i was too late to get my money back from them. They just sent me a letter XX/XX/year> to claim no : XXXX to contact the merchant XXXX XXXX  XXXX XXXX, at phone number XXXX. 
I called to resolve the issue, and talked with a lawyer who gave me the email address XXXX to send him the statement of the bank and the claim pictures. they try to say it is late now XXXX  month old, The mail bound back. 
I went to Chase Bank XXXX Boardwalk XXXX XXXX XXXX XXXX XXXX  XXXX phone ( XXXX ) XXXX and asked to talk with XXXX representative about the issue. but they refused to help.
Product: Debt collection

Received a letter and a phone call from this company and they never advised whom they were collecting for.
Product: Debt collection

R.M.S. keeps trying to collect a debt from XXXX an insurance company my mother with alzaihmers never had. I ask their professional license number to verify company was legitimate as the CFPB fraud prevention article suggested and R.M.S. company refused to give their professional license number. I post a complaint as the CFPB article suggest. Please check into this hope my mother is not been scammed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX, XXXX  XXXX INQUIRIES XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid {$100.00} for an ongoing credit reporting service from Esusu Financial , Inc . They claimed that they would provide the credit bureaus with monthly rent payment information. This purchase included a historical rent payment report for the past 24 months. 

On XX/XX/XXXX, I paid {$80.00} for the same service for my spouse ( historical rent payment report for previous 24 months and ongoing monthly rent payments ). 

As of XX/XX/XXXX this has not been completed as promised. Monthly rent payments have not been reported for several months and there is a complete and total absence of any information - including the historical 24 months of rent payment- on any of my spouse 's credit reports.
Product: Credit reporting or other personal consumer reports

The account is showing " closed '', a " loss write off '' but I never received a 1099-C to report that taxable income. the FDCPA prohibits ant false, misleading, deceptive or means in connection with the collection of a debt, 15 USC 1692
Product: Credit reporting or other personal consumer reports

i recently pulled my credit report because I keep getting an email for the past 9-10 months saying my information was involved in a data breech and seen 22 inquiries that i didn't authorize here 's a list of them all and the date they issued resident verify-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  Account NumberXXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok so for the past year I have been working on my credit score. A week or two ago my score on equifax dropped 10 points because a loan was added to the report. Out of all the credit places equifax is the only one where my score is extremely low. I have 31 inquiries on my credit file on equifax. There is no way that all of those inquiries are less then 2 years old. Equifax gives you a hard time when trying to reach customer service. Every time you finally reach customer service they said that you didnt answer the security questions correctly and you can never get access to your equifax account online at all. The other reporting agencies I have no trouble at all. I would like for those inquiries to be looked at correctly and any that shouldnt be on there i would like for them to be took off. I feel like their ripping me off on my credit score as well. I am in the process of trying to buy a home and if anything hurts my situation it would be equifax.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed
Product: Credit card or prepaid card

Hello, I have an issue with Comenity Bank/Bread Financial who is the issuer of my XXXX Credit Card . I had forgotten that I pre-authorized a payment to my account last week, so I did not have the funds available in my account to cover it. 
Over the last 6 days they have called me XXXX times. I have also received XXXX other calls within that time period labeled with No Called ID. Obviously I can not prove that those calls were from them, but they did start on the same day and I had XXXX calls labeled No Called ID in the XXXX weeks prior to this. 
It is my understanding that the are not allowed to call me more then 7 times with a 7 day period. This is clearly way beyond that. 
I do also understand that my bill is due and that I owe them money. I am on a fixed income with payments at the beginning of each month. It was my fault that I didnt have the funds available as promised, but I think that this level of harassment is unnecessary and cruel for a company to do to a customer over {$35.00}.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

Hello, I am devastated by the way how citi bank treats me. My account was opened on XX/XX/year>, since that they've requested signed documents from me to verify my credit card. I sent everything to them, meanwhile they charged annual fee, for the account that is under review. Whenever I called or tried to login there was an issue to access my account, so I wasn't able to check my account even to make payments, was told that it's ok while my account is under review I don't have to make a payment. Eventually somehow I was able to make a payment by phone, but it was returned, and I suspect they got wrong account number by phone and I wasn't able to check it online, because of I wasn't able properly see my account and fix it. Last time I spoke representative told me that they have all documents and just processing it and I just need to wait. Now I login to my account it is showing closed account 32 days past due. I am so disappointed and frustrated with the way they handled my account. They ruined my credit, I never had any closed account or late payment, but they created situation when you can't get proper information about what's going on, when they misinform about account status and payment status. Please help me to reopen my account, I sent documents they requested, I did my best to do payments despite no getting any information regarding my account due to hold on it. I don't know what to do, I feel like they did everything to eventually close my account.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. I MADE MORE THAN ONE ATTEMPT TO CONTACT THE COMPANIES BUT NO REPLIES.

NOTE : MY PERSONAL INFORMATION WAS RECENTLY COMPROMISED, THROUGH XXXX, XXXX, XXXXXXXX XXXX XXXX  WHICH I WAS NOTIFIED.
Product: Checking or savings account

I deposited a check for my XXXXXXXX uncle ( XXXX XXXX XXXX into my account because he was not able to get the check cashed. The check was deposited on XXXX. The check cleared on XXXX. Even though it cleared on XXXX, Chase still put a hold on the cleared funds until XXXX. Chase then decided to send me an email on XXXX stating they had freeze my account due to suspected fraud on my account for the check that had already cleared. XXXX and I reached out to them to get the matter resolved. Chase stated that they use a 3rd party system to verify the account. Chase stated that the phone number listed on the 3rd party system has to match the phone number that XXXX XXXX has so that they can call him on the number that Chase 3rd party system shows. The current phone number that XXXX XXXX have doesnt match the number that they have on their 3rd party system per Chase. Therefore they will not release the hold on the account. We asked Chase if we both went into the branch, which we had already done twice, would that work for the verification process. They said no he has to know the phone number they have in their 3rd party system. This settlement is to cover XXXX XXXX  that has already incurred. XXXX XXXX XXXX have the right to refuse XXXX XXXX if his bills are not paid. Thats what they are doing now because the money is being held by Chase that was issued to cover XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018, disputes letters were sent to XXXX, XXXX, and Equifax requesting they correct and validate the information on my credit report in accordance with Section 609 of the Fair Credit Reporting Act. If the information could not be validated by producing an original signed contract in accordance with the law, I requested the account be deleted. Each response, they failed to produce a signed contract. XXXX failed to date a response within 30 days of receiving the request. 

XXXX Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX  XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Will Not Reinvestigate Equifax Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XX/XX/XXXX XXXX   Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Verified XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX  Letter Sent Date Co Rec 'd Date Response Sent Response XXXX XX/XX/XXXX XXXX  No response -- -- -- -- -- - XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated XXXX XX/XX/XXXX XX/XX/XXXX XXXX Updated