23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a call today on my cell phone and when I answered it they man named XXXX XXXX told me that he was with the fraud department and and my County XXXX XXXX XXXX or suing me there was a warrant for my arrest and he said it twice he did not tell me what company he was with all he told me that he was with the fraud department and I was being sued by XXXX XXXX XXXX and I asked why then he told me it was a credit card that I 've never even heard of that was taken out in 2015 and I told him I do n't I do n't know anything about it and then he told me that then he told me that I was going to be summons and I was going to court then he asked where I worked and I told him I do not work and he told me that they 're going to garnish my wages take my property take everything I have and then he told me is it well then he asked me how do I make a living and when my next check was going to be which I do n't work I explain to him that I lost my house in the flood and I 'm doing everything I can right now to get everything back together and he told me that I need to check my credit report and then he gave me my social security number over the phone the whole number and then he told me that I need to pay something today to stop proceedings and you ca n't do nothing if I do n't give them all my banking information I asked him to send me something in the mail told me that he did and that is being ignored which I have not gotten anything in the mail and then he asked me for my family members and close friends I need to ask them for money I need to give him the information and I told him I ca n't that I really do n't have any family members left but my parents are dead and he told me that I have a few days to cough up that {$520.00} I believe he said it was or I 'm going to go to court go to jail and be sued and then to call him whenever I want to give him my banking information over the phone and I said okay and thank you well the reason I know the name of the company is because I accidentally called back and he answered that with the proper name which was the winberg meditation group and I have it was an accident he called me right back and asked why I told him it was an accident he said accident right well this name this number came up as such and such and you need to tell XXXX XXXX that information I gave you on the phone you understand me
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( XXXX ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting Services.
Product: Debt collection

Hi, upon checking my credit files I saw I have a collection account with Security Credit Services LL and it said the original creditor is XXXX XXXX ( both companies I do not know nor heard of ), I reached out to all 3 credit bureaus ( certified returned receipt ) and asked them for any documents they have on my file with this company, they sent me a letter saying that this account was verified as accurate by this collection company and to reached Security Credit Services LLC directly if I wanted more information. On XX/XX/2019 I sent them a certified letter asking them for any documents bearing my signature or any contract to see if someone stole my identity or what because I have not NEVER in my life opened any account whatsoever with any of them, they have not answered any letter and keep on reporting this negative account to the credit bureaus damaging my credit file. I want to buy a home in the coming months and when I went to check my file and this is what I found, now I have to litigate this knowing I have never opened any type of account with them. They never sent me any letter NEVER saying that I had a collection account with them nor to dispute this on 30 days, nothing at all. I want this deleted from all my credit files please.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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

I hope this message finds you well. I am writing in regards to the recent investigation conducted on my credit report, which indicated that the information in question was found to be accurate. I understand the importance of maintaining accurate credit reporting, and I appreciate XXXX 's efforts in ensuring the integrity of credit information. 

However, after a thorough review of my credit report, I have identified an item that I believe to be inaccurate. The [ specific item, such as a late payment, incorrect account status, or account that doesn't belong to me ] listed on my report is not reflective of my financial history. 
Account name XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX  Account XXXX Account name XXXX Account number XXXX In light of this discovery, I kindly request that you review the information once more and consider reevaluating its accuracy. It is essential for my financial well-being that my credit report accurately reflects my creditworthiness. 

If possible, I would appreciate the opportunity to provide any supporting documentation or details that can help clarify this matter. Please let me know the appropriate steps to take in order to rectify this situation. 

Thank you for your attention to this matter. I look forward to working together to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccuracies in My Credit Report Dear Consumer Financial Protection Bureau , I am writing to formally request your assistance in addressing inaccuracies in my credit reports from XXXX, XXXX, and Experian, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified errors and outdated information on my reports that I have previously disputed with the credit bureaus without resolution.

Specifically, I am requesting the following actions : 1. The removal of all inaccuracies from my credit report.

2. The removal of all closed accounts that are not accurately reflecting my credit history.

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. The following provisions of the FCRA provide the statutory basis for my request : 15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report.

15 U.S.C. 1681i : Consumers have the right to dispute inaccurate information, and credit bureaus are obligated to conduct a reasonable investigation of disputes within 30 days.

15 U.S.C. 1681c ( a ) : Certain negative information, such as closed accounts or outdated debts, should not appear on a consumers credit report after specific time limits.

15 U.S.C. 1681g : Consumers have the right to access their credit report and be informed of the sources and purposes of the information provided.

I believe these rights have been violated due to the continued presence of inaccurate information on my credit reports. This has caused harm to my financial standing and reputation. I have attached copies of my credit reports highlighting the inaccuracies in question for your review. 

Please investigate this matter and ensure the credit bureaus comply with the requirements of the FCRA. I request that all inaccuracies and closed accounts be removed immediately to reflect accurate and up-to-date information. 

If further information is required, I can be reached at [ Your Phone Number ] or [ Your Email Address ]. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Wrong Names Address Phone Numbers Employment information Closed accounts Inquiries
Product: Checking or savings account

Someone illegally deposited checks into my TD account and my account was flagged and then closed. Now I am unable to open an account with this bank or any other bank for that matter.
Product: Mortgage

I am legally entitled to a payoff statement. This company has violated my rights as a borrower by NOT providing a payoff statement to myself at my address NOT the property address. Fay has also ignored my consented request via my attorney to have the pay off statement faxed to him!

Fay has not provided any account information to me outside of disputes! Never! They are in violation of my specific rights as a borrower XXXXI dont even have an accurate address for Fay as addresses listed on credit reports ( only addresses I have ) have maile returned to me unopened
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. The payment was reported late in XX/XX/2022 and XXXX 2022 to XXXX, XXXX, and XXXX despite violating the aforementioned statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank closed account and will not return my money that was a direct deposit pay on XXXX account was open on XXXX
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 items : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXBalance : {$2000.00}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: Debt collection

Khol 's has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting  bureaus.
Product: Mortgage

on XX/XX/XXXX, I request for information called XXXX or a XXXX  and it is authroixed by a Federal Act called RESPA. So I XXXX under RESPA of all transactions and everything related to my mortage as they have coerced me to signing for modification agreement and partial XXXX on my house for {$110000.00}. I wanted the BREAK DOWN of the partial XXXX and everything related to my mortgage claim. I have filed a lawsuit complaint against Mr. Cooper/ Nationstar for XXXX XXXX for not providing me interpreter when they hired a notary person to come to my house on XX/XX/XXXX. So I have a lawsuit against them so anyway, I received a letter from them on XX/XX/XXXX that they received my inquiry on XX/XX/XXXX and in accordance to RESPA, a response will be provided within 30 days from receipt of my inquiry unless they notify me of 15 days extension prior to the expiration of that 30 days period. however responses are generally provided in less than 10 days. 

TO THIS DATE, I HAVE NOT RECEIVED ANYTHING. NOTHING IN EMAIL NOTHING IN POSTAL MAIL. NOTHING IN MY ACCOUNT WITH NEW LETTER OR DOCUMENT IONS! 

Damages for RESPA Violations If the servicer fails to comply with RESPA 's requirements, a borrower may recover any actual damages, additional damages not to exceed {$2000.00} ( if a pattern or practice of servicer noncompliance exists ), and attorneys ' fees and costs. ( 12 U.S.C. 2605 ( f ) ( 1 ), 2605 ( f ) ( 3 ). ) The statute of limitations for violations is three years. ( 12 U.S.C. 2614. ) So, Mr. Cooper violated that and will need to pay me damages and ALL lawyers fees!! PLUS give me the actual information that Ive requested!!!
Product: Mortgage

On XX/XX/XXXX the BOA erroneously added a {$900.00} escrow to my account. My taxes on the property are not late, not even due yet, and actually was paid early. 
The bank has said it was an employee error but still has not fixed it. This is preventing me from making any payments to my account as I am not paying the erroneous escrow. I have had this account since 2007 and have NOT had an escrow for many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a U.S Bank credit card ( 5+years ), and have NEVER missed or been late on a payment. I have always paid more than the required minimum payment every month. U.S. Bank reports to the credit Bureaus around the XXXX. of every month. I used my U.S. bank credit card on XX/XX/XXXX to buy a couple of items, and I exceeded my credit limit by about {$200.00}, which they authorized. But, on the next day, they reported the " over the credit limit '' to the credit bureaus, which in turn immediately dropped my credit score 21 points. U.S. bank DID NOT inform me of the over credit limit problem, if it was a problem, or if I was required to make an immediate payment, but, the next day I made an {$1100.00} payment to my U.S. bank credit card account, which lowered my useage to around 60 %. However, U.S. bank will not report the payment to the credit bureaus til the XXXX of the month, but, at the same time, on any day of the month, they immediately report going over the credit limit by any amount!! THIS PRACTICE SHOULD BE ILLEGAL, AND UNETHICAL. Damaging a hard working American Citizen credit worthiness is an easy process for those banks/companies. 



Thank you
Product: Credit card or prepaid card

Good morning, This complaint is regarding a store credit card supplied by Comenity Bank. I made a payment on XX/XX/2019 to pay my balance in full. Apparently, I had {$10.00} in interest charges that I was unaware of. I never received a phone call, a letter, an email, or anything notifying me that I had a payment past due of {$10.00}. I only found out when my credit report monitoring service alerted me that there were negative marks on my report. They didn't even report the balance past due at 30 days, they waited until past 60 days to report it, so now there are multiple negative marks. My credit score has gone down over XXXX points for 1 missed payment of {$10.00}. I contacted Comenity immediately and paid the balance and all late fees. I wrote them a letter asking for a goodwill adjustment to my report and they refused. 

If I had received any notice that I had a past due balance, I would've paid it. My credit score was almost XXXX before this. This is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a dispute with Transunion, LLC, regarding an inaccurate item on my credit report. The results of the dispute ( attached ) were that the item was verified as accurate by Transunion, LLC. However, I have attached evidence which shows that the original amount of the debt was not accurate, as stated by the original creditor XXXX XXXX XXXX XXXX XXXX XXXX The original creditor has acknowledged that the original amount was not accurate and provided a corrected amount via email as per the attached correspondence. The original creditor has attempted to resolve the item by contacting the XXXX XXXX, XXXX and the collections agency has placed the item " under review '' for several weeks ( over 30 days ), but they have failed to correct the item on my credit report. Based upon the email correspondence from the original creditor, the correct amount of the debt was different from the amount reported by the XXXX XXXX XXXX to the credit bureau, Transunion. However, since the debt was sold to XXXX, the original creditor was unable to resolve the issue within a reasonable time frame ( over 30 days ) and Transunion apparently did not investigate the inaccuracy with the original creditor following my dispute.
Product: Debt collection

XXXX was closed without documentation submitted by XXXX XXXX reviewed. Close review of documentation submitted by XXXX XXXX to CFPB shows information was submitted for someone with the last name XXXX, a submitted Lease containing multiple leasees ' which was voided by XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX in XX/XX/2017, two different apartment numbers ... one in the Lease and another on the Statement, no payment information showing dates and amounts of rental payments as well as the last date of payment. This is why court documentation and a court judgment confirming the accuracy of the reported debt has been requested. XXXX XXXX refuses to substantiate the debt with legal court documents. I am requesting again that XXXX XXXX provided court documentation and a court judgment to substantiate the reported debt. Submitted documentation by XXXX XXXX confirms the act of merging information from other accounts to confirm the reported debt. Legal court documentation and court judgments will confirm the debt and should be provided to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned my phone to XXXX  which required me to take a XXXX card and now they are charging me for a phone I returned to them, and put it in dispute resolution but XXXX put it in dispute resolution and still charging me for a fee for buying a phone I returned. 

Now, it is in my report and they refuse to take it off my credit report so I can not get credit so XXXX is asking me for something I no longer have as well as XXXX XXXX, as I tried to register my dispute resolution to take this off my credit report but they refused to let me register.