23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$340.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 or other personal consumer reports

I contacted XXXX XXXX and they requested the account be inserted for a few months and the information hasn't been added to my report. Equifax is not reporting XXXX XXXX charge card that I'm an authorized user on. The account ends in XXXX. It was last report XX/XX/year> and will be reported again in XXXX however Equifax isn't reporting at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Has messed up my credit report they have my brothers name on my credit report also a decent amount of his items has ended up on the credit report 98 % of a high inquiry on my brothers I was on XXXX XXXX XXXX XXXX  waiting list for over four years I finally got approved with the XXXX XXXXXXXX well I could not find a house with in the time frame because of my credit so I lost my XXXX XXXXXXXX and now me and my kids have been XXXX the last six weeks
Product: Credit reporting or other personal consumer reports

Account name Mohela department of education XXXX XXXX XXXX XXXX indicates that this account does not belong to me. 


Account name Missouri department of education XXXX XXXX XXXX XXXX indicates that this account does not belong to me. 

My accounts are frozen, please investigate further no accounts should be opened under my name. 

Please remove these accounts immediately as I did not authorize these accounts. And they do not belong to me. 


Please investigate Thank you Best and kind regards Sincerely XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presumed that mo proof of the alleged debt. Nor therfore any such debt in fact therefore exists. ( Please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX balance {$930.00}, XXXX XXXX XXXX balance {$510.00}, onemain balance {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an inquiry on my credit report from XXXX bank for an account that was opened 1.5 years ago. But I have not opened any account with them. I called chase and they confirmed that they do not have an account in my name. Beyond that they say they can not help. they gave me a number for Experian ( XXXX ) to file a dispute, but that line is fully automated and does not have an option for dispute. I also looked online for a phone number to disputing the credit inquiry, but I see the same number. I am stuck in this circle. 
Why do these companies make it impossible to file a dispute, while claiming to be the source of information for us? This is very unfair. I feel they make it intentionally impossible to dispute so that they can then charge us for other services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681 : And they violated my rights numerous times. I demand the accounts listed below be removed because. According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.Accounts : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX bank
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX, Human Resources Department received an unsolicited fax from the collection firm purporting to be an Employee Wage Garnishment and demanding payment. The transmission also contained false electronically signed authorization to garnish. On a quick Internet search it appears that this firm is the subject of Alert Number : XXXX ( XX/XX/XXXX ) published by the State of Washington Department of Financial Institutions warning of unlicensed and unlawful debt collection practices from this firm. 

An online complaint has been filed with the CA Attorney General. We also tried to file an online complaint with the FTC but that site is not functioning as a result of the federal government shutdown.
Product: Mortgage

PHH Mortgage Corporation violates Dodd-Frank Act an other statutes. PHH Mortgage Corporation continues to practice unsafe and unsound practices relating to the foreclosure and sale of my residential home. MERS was the original servicer on my home. Then during the foreclosure process, XXXX   XXXX  sold my mortgage to PHH Mortgage Corporation. This bait and switch practice has left me confused as to who has foreclosed on my home. The bait and switch has also applied to the legal counsel. The first attorneys were XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now XXXX, XXXX XXXX XXXX, XXXX has sent a Notice To Quit Premises demanding that we vacate our home in 10 days. There is no note and MERS has mishandled the mortgage foreclosure process. The services have foreclosed on the home without a note and has no " standing '' to foreclose on my home. MERS is continuing to violate the Dodd-Frank Act. Please fight for us as I do not know what servicer or attorney to fight. My home has already been illegally stolen from me and now I am forced into XXXX. I am XXXX and I deserve justice and due process of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent three update letters to all three credit bureaus, which are XXXX XXXX  and Equifax. I've sent them many many different letters on different occasions asking them to remove old, outdated information in terms of addresses, phone numbers, and employment, and some of the information that is on my credit report are addresses that I never lived at, so now I'm filing a complaint against all three of the credit bureaus because they have failed to remove old, outdated information and these credit bureaus are also in violation of the privacy laws because they only supposed to keep my payment history but not my addresses and other personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX, I mailed a dispute with FTC documentation to TransUnion disputing the inquiries below as unauthorized. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX TransUnion regarding the above unauthorized inquires on my credit file to no avail. There was sadly a language barrier issue involving the representatives that I spoke with at TransUnion, and they did not resolve any of the issues on my credit report listed above resulting in me filing a complaint with the FTC regarding this matter. These inquiries have negatively impacted my credit, and adversely impacted my ability to obtain new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting Act XXXX  account number # XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX. 
Have violated my rights. 15 usc 1681 section 602.8 states I have the right to privacy. 15 usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish my account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding the handling and distribution of my personal information by XXXX, XXXX, and XXXX, in conjunction with XXXX XXXX and Capitol One. My complaint is grounded in the obligations set forth by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ) ( 4 ), which underscores the necessity for consumer reporting agencies to operate with fairness, impartiality, and a profound respect for consumer privacy.

It has come to my attention that my personal and financial data has been shared without my explicit consent, in direct violation of the principles outlined in 15 U.S.C. 6801. This section clearly states that financial institutions hold a continuous responsibility to uphold their customers privacy and the confidentiality of their nonpublic personal information. Given that XXXX XXXX and Capitol One operates as a financial institution within the interpretation of this statute, they, alongside the aforementioned consumer reporting agencies, are required to adhere to these guidelines. 

Further to this, 15 U.S.C. 1681b sets forth the permissible circumstances under which my consumer report may be furnished. It is explicitly stated that consumer reports can only be distributed in adherence to the written instructions of the consumer to whom it relates. I have not provided such permissionin written or any other formto XXXX, XXXX, XXXX, or XXXX XXXX and Capitol One. Furthermore, I am not the account holder on these accounts nor have I given any permission to report these accounts to any of my reports. Accordingly, I hereby revoke any presumed consent for the distribution of my information, irrespective of its form. 

In accordance with 12 CFR 1016.7, I am exercising my right to opt-out of your reporting services effectively immediately. I insist on a prompt review and rectification of these issues, aligning with the stipulations and the spirit of the Fair Credit Reporting Act and related statutes concerning consumer rights and privacy.

The Privacy Act of 1974 ( 5 US Code 552a ) states No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record permits neither XXXX XXXX or Capitol One have never received written or verbal consent from me to report to any consumer reporting agency as I am not the accountholder.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit
Product: Student loan

When I began repaying my student loans in   XXXX  , I was told I would need to m ake 120 paym ents on time to qualify for th e Public Service Loan Forgiveness  program. I chose to have my payments auto-deducted from my bank account to ensure I would not miss a payment deadline. In fall  XXXX , my payments suddenly increased. I called to speak with a representative regarding this increase & was informed I was on the  Graduated Repayment Plan,  which sounded fine to me. Before the phone call ended, I asked them to verify how many payments were left before I could apply for the loan forgiveness. I was informed by the representative that my payment plan did not qualify for the loan forgiveness & that the loan forgiveness was not retroactive. This was the first I had heard &  read  of this, as I also had been interested in the  XXXX   XXXX   XXXX   XXXX   XXXX . I immediately had the representative start processing the paperwork to swap my loans to a qualifying repayment program. It appears as though I will be working another 10 years as a  XXXX  to get my loans forgiven. I feel cheated & tricked by this program. I made my payments on time ... so why should I be punished for not being on a lower repayment plan?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, for several months/rounds I've been submitting complaints to the credit bureaus regarding the following information : unverified derogatory items. 

Per Sec. 401. Of The Credit Act of 2020 Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. DEROGATORY info is to be removed. 

Collection : XXXX No Contract / Agreement Account XXXX {$5000.00} There's also an unauthorized INQUIRIES SUCH AS XXXX XXXX XXXX XX/XX/2020 never authorized this inquiry, amongst others. 

Also The law also speaks to correcting/updating student loan data as this is also not to be held against me. Please ask bureaus to update these and also " late '' payments as I dont show receipt of late payments on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get an inaccurate bankruptcy off of my credit report with Experian for months. I 've requested verification to prove it belongs to me however ; they have refused to send me the copies of the documents they used to verify that it indeed belonged to me. This is required by FAIR 15 USC 16811 and secition 611 ( a ) ( 5 ) ( a ) ( i ). All letters sent were sent certified mail to confirm receipt.
Also under the new law effective XXXX XXXX, 2017, any public record data must include name and address, as well as social security number and date of birth in order fo it to appear on your credit file. The credit bureau has not updated the information and per the new law the inaccurate bankruptcy listed on my report does not include this information and should be deleted immediately from my credit report.
Product: Debt collection

COMPLAINT I received a letter from the company ( lXXXX XXXX actually ) on XX/XX/XXXX, dated XX/XX/XXXX, stating that I had not made my regular, and that I had 10 days to make the payment, even though I have just received the letter 11 days later on XX/XX/XXXX. First, the company was paid {$220.00}, the amount due, on XX/XX/XXXX at XXXX XXXX The amount is due by the XXXXXXXX of each monthXXXX The amount cleared my bank on XX/XX/XXXX. The reference number given to me from the company website for this transaction was # XXXX. The amount due has been paid on time for the past XXXX years and has never been late then and was not late in XX/XX/XXXX. 

I called the company on XX/XX/XXXX at XXXX XXXX. The call lasted XXXX minutes. I had the displeasure of speaking with a XXXX XXXX. I explained my situation to XXXX XXXX, provided all of the preceding information to track my transaction, and I stated verbally that as long as I am paying the debt on time every month, I did not want to receive nasty correspondence falsely stating that I was late with my monthly payment XXXX XXXX stated that the law firm was having computer glitches and that the computer didnt post my payment in a timely manner. The computer did not post my payment until XXXX days later on XX/XX/XXXX, even though the payment was made on XXXX. I informed XXXX XXXX that my agreement stated that my debt collection agreement stated that my payment is due on the XXXX of every month and does not have any language related to when the the transaction is posted to their internal records. Also, I told her that there was nothing in my agreement regarding computer glitches. 
I also informed her that if the company continued sending out XXXX  when I was making timely payments, I would take legal action against them. XXXX XXXXXXXX XXXX response was to ask for the name of my lawyer so that her for could contact them. I told her to cease and desist with any further letters and that I did not want any type of communication with the law firm. XXXX XXXX stated that they would honor my request. 

XXXX, on XX/XX/XXXX I received yet another nonsensical letter from this company omitting just about all of the preceding facts mentioned above, stating only that the company posted the transaction to my account on XX/XX/XXXX and that they hope this letter resolves my complaint. 

Before the company sends out another nonsensical or XXXX  letter, I want them to cease and desist with any further contact with me. As long as I am paying the debt on the I should not receive XXXX  letters or, for that matter, any correspondence stating that my payment is late when the payment was actually made early. I want no further harassment from them. 
* - Note : The original debt company, Cooling & Winter, has now merged with a law firm called XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reporting a serious issue with my XXXX XXXXXXXX. Ocwen has continued to report false information to the credit bureau and mishandling my private identifiable information. Each time I have to try to spend weeks collecting data to prove they made a mistake. They have " accidentally '' mailed me someones financial information mixed in with my information, as well as given my information via mail to unauthorized persons. As per, for the third time they recent reported to the credit bureau that I'm made a partial payment XXXX of XX/XX/XXXX. This significantly lowered my score ( evidence attach ). Each time Ocwen makes this mistake they state if will be corrected, but as soon as I know inquire about another lender, Ocwen again response false information to the credit bureau with 30 days of my inquiry. This time Ocwen also reported that I'm in a paying plan currently. This is absolutely false. I make full monthly payments and have not missed or been late on a payment in years. I'm not in a payment plan. I have attached proof that's Ocwen falsely reported to the credit bureau that I making partial payments. It is a federal crime to knowingly report false information. This is the third the Ocwen has done this to my account. Each time I've had to send written notifications to get it fixed. I'm now going to escalate this issue to determine if I can press charges again Ocwen for continuing to make false claims on my account to the credit bureau which effects my ability to change mortgage companies. Ocwen is on purpose violating my right with continually padding my account with negative and false information. I demand my account be fixed to reflect that I have made on-time payments and that I'm not in a partial payment plan. I also demand the Ocwen fix the false reporting they did to the credit bureau for XX/XX/XXXX - XX/XX/XXXX that I'm in a partial payment plan. The false information from Ocwen is negatively impacting my credit score. This is the second time in 8 months that Ocwen has made this mistake three times total. It must be correct immediately. I invoke my right to be notified in writing that the issues have been resolved. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Re : XXXX Venmo provides a toll free number but the call tree will not connect to any human. Emailing support generates a request to call the dead end toll free number or chat which can not work when the account is frozen. Attempts to contact support via XXXX and XXXX have been fruitless for over 24 hours. I need direct communication with Venmo support to address the issues with this account. Toll free and chat do not work at all. XXXX and XXXX support feeds for Venmo are likewise useless and unresponsive. Venmo has my phone number and I have request live phone support given they have crippled all other means of communication if information transfer.
Product: Checking or savings account

On XX/XX/XXXX i deposited a check for {$430.00} in my savings account. Now on XX/XX/XXXX it is being put on hold until XX/XX/XXXX. That is way to Long and bills need to be paid. They did n't allow ANY funds available, i have no way to get back and forth to work. This is my First time having a Bank account. so i wasnt aware of any hold or anything.
Product: Debt collection

I receive phone calls from Dynamic recovery solutions LLC daily on both my home phone and my cell phone. When I have answered the phone and interacted with them they have told me they are a debt collection agency attempting to collect a debt. I track my credit report closely and monitor it due to being in the military and having a clearance. Every time I have talked to them they have tried to tell me they are attempting to collect a debt for a credit card that I never had for an exuberant amount. Most recently they told me that I owed XXXX dollars on a XXXX XXXX XXXX credit card that was opened in XX/XX/XXXX. The earliest XXXX XXXX XXXX card I ever opened was in XX/XX/XXXX and I just closed the card last month paid on time and satisfactory. Dynamic Recovery Solutions refuses to remove me from their phone list and when I tell them they are violating Federal Collection laws, they hang up on me. The phone number I have recently been receiving the calls from is a California area code, even though their company address shows in North Carolina. XXXX