23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is a balance of {$16000.00} owed to XXXX of XXXX, SC. This account was opened in XX/XX/XXXX original balance was {$570.00}. In XX/XX/XXXX paid {$30.00}. Contacted by Ms. XXXX XXXX XXXX XXXX in XX/XX/XXXX she said that a notice was sent to me I never received a notice, at that time i had a debit of {$30.00} debited from my checking account and ask that the remaining balance be debited the same way, however, there was not enough to cover the draft since this is how I pay all my bills. Around XX/XX/XXXX I received a call from a Ms. XXXX XXXX stating that I owe a balance that has not been paid. Contact Ms. XXXX on or about XX/XX/XXXX stating that I missed the deadline for getting back to her to correct this issue it by XXXX that morning for she said that is the only way to stop the information from going to the county and if I did not it would cost me {$1600.00} for court fees, plus amount owed, filing fees ect. I was going to send the money to her XXXX XXXX at XXXX XXXX XXXX, VA XXXX. XXXX XXXX in XXXX, Va XXXX I called her back and told her I could not sent the money because my rent had to be paid the same time she said she would have to process the paper work to XXXX , County for complete processing and some one will either come to my residence or my place of employment to serve me information. There after I started receiving phone call from family members and people in the community saying that the FBI was looking for me concerning a Bad Check this was happening all over town and I was felt violated because I had spoken to her and let her know the reason why i could send the money at that point. Spoke to the XXXX XXXX  XXXX several times they can verify about trying to obtain a nother number to locate this collection company but they said this is all they had. The files were being sold to diffrent companies always wanted to clear this up. Spoke to Ms. XXXX and she denied the it however she did give me some names that spoke to me. Ask copy notice sent to my address she said they do send copy of notices.
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 : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX according to TXXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$160.00}, CBXXXX {$0.00}, XXXX XXXX {$10000.00}, and XXXX {$0.00}
Product: Debt collection

I recently pulled my credit report and saw that the COLLECTION BUREAU of HUDSON VALLEY INC, is reporting a collection account on my report. I have never done business with this company and never gotten a written documentation proving this debt. Please send all documentation proving my debt on this account.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My husband who is now ill, co signed a loan thru Wells Fargo Bank and apparently, loan companies have gotten a hold of this information and are calling us non stop. Our son, the former student has been late paying some payments but has always paid plus hefty interest bank charges. He is now making timely payments.
Product: Mortgage

I have an FHA mortgage loan and had my forbearance with Mr. Cooper ( Nationstar Mortgage LLC ) starting in XXXX, XXXX when the COVID-19 pandemic began until the forbearance ended on XX/XX/XXXX. Before my forbearance ended, I had applied for a loan modification on XX/XX/XXXX. My partner and I have submitted every document that Mr. Cooper had requested, such as our 5-Page Hardship Affidavit for FHA Loans , Proof of occupancy/Luxury Bill, Current unemployment award letter for unemployment income that shows the amount, start date, frequency, and duration of the benefit income, 30 Days consecutive paystubs with employer name including year to date deductions and earnings, RMA ( Request for Modification and Affidavit Form ) Or UBAF ( Uniform Borrower Assistance Form ), Most recent SIGNED copy of tax return 1040s including all schedules, and 4506-C Request for Transcript of Tax Return. Mr. Coopers underwriting had received and accepted all of these submitted documents. However, underwriting would continuously accept then reject, and request for the same documents time after time, such as our most recent signed copy of tax return 1040s, including all schedules even after we had already submitted our 4506-C forms for them to request our tax return transcripts directly from the IRS. It is now XX/XX/XXXX and instead of underwriting using the 4506-C forms that they requested for our tax return transcripts, they are still insisting on us submitting the same most recent signed copy of tax return 1040s including all schedules, even though those documents had already been submitted and accepted numerous times. I truly believe that Mr. Cooper is engaging in " dual tracking '' whereby they request documents amid processing a submission for a loan modification while at the same time attempting to push my partner and I through the foreclosure process. Before the COVID-19 pandemic and forbearance, I had always paid my mortgage loan on time and had never defaulted. Your assistance would be greatly appreciated. Thank you.
Product: Debt collection

I received a settlement offer from Transworld Systems Inc for {$0.00}. I called them to take the offer and was told they wanted me to fax the offer to them for review. I faxed the letter on XXXX/XXXX/2016 at XXXX. I called to confirm they received the fax. I was told they did and to give them 14 days to review the letter. I called back on XXXX/XXXX/2016 to check the status and spoke with XXXX XXXX. I was informed they never received the fax and to resend it. I resent the fax on XXXX/XXXX/2016 at XXXX. I was told that Transworld Systems Inc will not be honoring that offer.
Product: Credit reporting or other personal consumer reports

All of the collections listed below is fraudulent and needs to be removed from my credit file immediately. i have submitted disputes with the credit bureau that was never resolved. I am a victim of identity theft and have no knowledge of these accounts. remove from my report immediately. 


XXXX XXXX XXXX Account Number XXXX Balance {$4000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$1000.00} XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$910.00} XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$1000.00} XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Recent Payment {$1700.00} as of XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Recent Payment {$3400.00} as of XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$3400.00} XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$2400.00} XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$670.00} XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$100.00} XXXX XXXX  XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Credit Limit {$300.00} XXXX  Account Number XXXX Date Opened XX/XX/XXXX Recent Payment {$24.00} as of XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$270.00} XXXX  XXXX XXXX XXXX XXXX Date Opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted my loan company to get a loan and they informed me that there was potential fraud activity on my credit account and they could not pull any information and to call experian so I did and they informed me that there was not a freeze on my account but since the loan company was unable to pull my account I needed to send in a cover letter with name, address, DOB, SSN, as well as a copy of my SSC and driver 's license either by mail or fax.
Product: Debt collection

I am not liable for this debt with XXXX XXXX II I and I do not have a contract with FIRST FEDERAL CREDIT C plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verified and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I first called Sallie Mae at the end of XXXX this year and I would say Ive called them XXXX or XXXX times since then to try and get my monthly loan cost lowered. I am XXXX and I dont have steady employment, but still Im expected to pay $ XXXX? I have no freedom anymore. I would love to get some support because this really has been the worst year of my life paying these loans. Sallie Mae has not even picked up a call from me. There is no service on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit card

~ {$7000.00} in debt has been reported on a credit card that I never had.
Product: Checking or savings account

On XX/XX/2022 I deposited a check thru my banks automated system. My bank accepted the check and sent me an e-mail on XX/XX/2022 letting me know that the check was successfully deposited, so I could go ahead and destroy the check and then gave me the details of my deposit. [ I did not destroy the check ] This check was for {$600.00}. I made XXXX small purchases on the XXXX and then on the XXXX of XX/XX/2022 I went to make a with draw and seen that the bank had frozen my account because they that I had made a fraudulant transaction. I contacted them and they said they were doing an investigation that would take up to XXXX days and then they would contact me at that time. I was contacted by a gentelman on XXXX I believe he told me that the investagation was complete and they deemed that I was not quilty of fraud and that my funds would be made availiable with in XXXX hours and the conversation was over. I waited for XXXX hours and my account was still frozen. it would take me at least another hour to tell you everthing and all the phone calls that I have made since then including XXXX I just made once again. I have a folder full of just some of the things I have been ask to do to get my money I have done everything they have ask of me and know they won't even talk to me or return a call. thank you
Product: Debt collection

I received a fraudulent mail requesting money for outstanding balance. I don't have unpaid outstanding debt with anything listed in this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victims of identity theft, I have had a lot of accounts open up under my SSN. Such XXXX XXXX XXXX XXXX XXXX XXXX OF THE ATTY GENER I have addresses open up under my SSN. This has set me back tremendously dealing with these accounts and addresses Its bring my credit score down i cant get car or house.
Product: Debt collection

XXXX XXXX XXXX and ProCollect have reported negative and false information to the the credit bureaus. I am a victim of identity theft and the reporting debt and documents do no belong to me. I notified the property manager XXXX at XXXX XXXX XXXX and notified the debt collector ProCollect of all police reports and identity theft reports. I was told that since they can not find the person that stole my identity they will continue to collect the false debt from me.
Product: Debt collection

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Product: Credit reporting or other personal consumer reports

Ive looked over my credit report and was shocked to find a mistake about an account. This account is either wrong or doesnt belong to me, and its seriously hurting my credit score.
Product: Vehicle loan or lease

the amount of the car on my credit report is XXXX, this not account,
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I successfully placed a security freeze on my XXXX and XXXX  accounts. After 3 attempts I froze my Experian account ( XXXX XXXX, XXXX ) using self-service IVR. Freezing my accounts was in response to XXXX announcing a security breach effecting millions of accounts. I find it unconscionable that I would be charged {$5.00} for freezing my accounts, then {$5.00} to each company when I want to unfreeze accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that are currently appearing on my credit report. After reviewing my credit report, I have found several accounts that I have no recollection of ever belonging to me. I am requesting that these accounts be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, I have the right to dispute any inaccurate or incomplete information on my credit report, and the credit reporting agency is required to investigate and correct any errors or remove any information that can not be verified. 

XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX XXXX  Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

XXXX Account XXXX : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. Therefore, I am requesting that this account be removed from my credit report immediately in accordance with my rights under the FCRA. 

I appreciate your prompt attention to this matter. Please provide me with written confirmation that these accounts have been removed from my credit report, in accordance with the FCRA. 

Sincerely, XXXX XXXX