23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account XXXX XXXXXXXX I am writing to bring to your attention a concerning experience I recently had with XXXX of procollect employees, XXXX XXXX XXXX regarding an outstanding debt reported by Procollect. 
Firstly, I must express my frustration regarding the reporting of a debt as open and late payments to all three credit bureaus. This account has been closed, and I have diligently attempted to settle the outstanding balance since XXXX However, my efforts have been thwarted by XXXX XXXX, whose conduct has made resolution impossible. 
Specifically, I requested documentation from XXXX XXXX validating the original debt purchased from XXXX XXXX. Regrettably, XXXX XXXX outright refused to provide any documentation and dismissively stated that he was not obligated to engage in such discussion with me. His demeanor throughout our interaction was unnecessarily rude and unprofessional, and he continuously interrupted and spoke over me, denying me the opportunity to address my concerns. 
Furthermore, despite assurances from another agent I spoke with on XX/XX/XXXX that I could visit the office located on XXXX XXXX in XXXXXXXX XXXX  to discuss and settle the debt with XXXX XXXX, he contradicted this information and insisted that payment must be made over the phone or online, still without providing validation of the debt as I requested in XXXX. His insistence on this method of payment, coupled with his dismissive and aggressive attitude, only served to escalate the situation and hinder any progress towards resolution. 
XXXX XXXX 's behavior is not only unprofessional but also counterproductive to the objectives of debt collection. His lack of courtesy and unwillingness to cooperate effectively obstructs consumers ' efforts to address their financial obligations. It is my firm belief that such conduct is in direct violation of ethical standards expected in your industry. 
Given the circumstances, I respectfully request that the debt in question be removed from all three credit bureaus. I am prepared to pursue this request under relevant legal provisions, including but not limited to 15 U.S. Code 1681- Congressional findings and statement of purpose. 
I trust that you will address this matter promptly and take appropriate action to ensure that future interactions with Procollect representatives are conducted with professionalism and respect. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

In XXXX, we were impacted by Hurricane Irma and as a result, deferred our mortgage payments under law for 6 months. At the close of the relief period, we opted to extend our loan 6 months and spread escrow over a 60 month period. 

Shellpoint Mortgage Servicing assumed our mortgage from XXXX in XXXX XXXX. In XXXX XXXX, they performed an escrow analysis and attempted to raise our mortgage by more than {$600.00} per month. The reason being, they did not honor my agreement for deferred escrow. I have called and written them month after month. They will not resolve the issue, they are charging me monthly late fees, reporting me to all credit bureaus, sending demand letters, calling daily and speaking to me as if I were a criminal. I want to sue them but Id prefer to have regulating agencies handle this. Please help me, this is impacting my mental well being amd adversely impacting our credit scores.
Product: Consumer Loan

I contacted Exeter Finance Corp to let them know I would be making my XXXX XXXX payment on XXXX XXXX. I called on the XXXX and had them debit my checking account for XXXX payment. On XXXX XXXX I received a call from the finance company stating I did not make the XXXX payment. I explained my conversation that I had on the XXXX and explained I made the payment. The customer service person told me it was not on their computer system and took the bank account information again. On the XXXX Exeter took out XXXX car payments which bounced my account. After numerous phone calls to customer service I spoke with approximatley XXXX different supervisors and after approximatley two weeks or so I received the unauthorized payment and the overdraft fees back into my account from Exeter. Since then I have been recieving phone calls harassing me that I have not made my XXXX payment and some of the customer service people are very nasty Apparantly they do not read any of the notes shown on my account. I have emaild and faxed over bank statements as recently as yesterday with no resolution to the harassing phone calls. I have called the corporate office twice and left voicemails with no return phone calls. I am looking for a resolution to this matter. It seems noone can take care of the issue at hand, the XXXX payment has been made and I am receiving harassing phone calls.
Product: Checking or savings account

On or about XXXX XXXX I purchased an airline ticket from a merchant called XXXX XXXX. The merchant issued my ticket for {$2500.00} but under incorrect last name. I made So many attempt and wrote so many emails to the merchant asking them to either correct my name so I can use the ticket or refund my money. On numerous examples they kept telling me they are correcting it on 48 hours and one email from them even clearly indicated I can Cancel and get my refund but when I attempted To do that, they refused to issue me the refund! I spoke With Frost Bank and it quickly escalated to management, a lady name XXXX XXXX who is a manager over customer service and dispute department. She issued me a credit so I can use that to purchase another ticket which I did From XXXX. 
XXXX even tried to contact the merchant two -three times but she didnt get any where with them either! 
Three months later they reversed the credit drawing my account to {$2600.00} NEGATIVE to the point I cant Even pay my rent now! I have Provided all the evidence to dispute department but they havent even bothered to investigate this correctly and throughly saying the transaction was VALID! 
This is breach of their fiduciary duty to me as their customer causing severe financial distress. I need Then investigated and resolve by providing favorable outcome in the interest of justice!
Product: Credit reporting, credit repair services, or other personal consumer reports

Outdated information is furnishing on my Experian consumer report. See attachments for more details.
Product: Checking or savings account

So I owed my previous Pnc bank {$150.00} and some changes. I paid them already thru the phone and my bank account was closed on XX/XX/2022. But I still got a warning report that I still owe them money. If I already sorted out everything with my bank account then why am I still unable to open a bank account in other banks? I called my bank and they told me to tell you guys to update the report. I'm so frustrated bout it. Please reply me as soon as possible.
Product: Checking or savings account

on XX/XX/2018, an XXXX number called posing as the Chase bank. I became a victim of identity theft. Chase bank is saying the charges were actual charges and will not refund the money that was stolen. However, they refunded partial monies, {$30.00}, but not the {$4900.00}. Chase is saying the card was present at the time of transaction. Which was false because I brought my card to the bank shortly after I found out. Chase call center 3 times said this was definitely fraud. But, the Chase fraud department denied the claim 2 times ... even after the call center said this was definite fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my XXXX XXXX XXXX, has violated my rights. 
15 U.S.C. 1681 Section 602A, states that I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2, states a consumer reporting agency can not furnish an account without my written instructions and permissions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to register with some credit report agencies to check my credit score
Product: Credit reporting or other personal consumer reports

My information was leaked in the data breach in identity theft. I contacted companies and asked for verification letters and I asked for them to remove the reports. Under section 605b they should have removed them. Can you please help me get these reports removed
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to transunion on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. 
There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that descrotion. 
But they did not do that as well either. 


According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix this please
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX/XXXX XXXX I add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. 
On XX/XX/2020, ACCURATE FINANCIAL SER add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry on my report I didnt authorize fromXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX of 2021. I contacted the dealership multiple times informing them of the inquiry and they would not explain or provide anything to verify it was done by me. They then contacted me asking if I wanted to buy a vehicle when I sent the demand letter and were very ignorant laughing at me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/XXXX XXXX XXXX letting them know I am a victim of identity theft and that multiple accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XXXX XXXX XXXX  letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/XXXX XXXX XXXX notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$8.00}.
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. XXXX : # XXXX, XXXX  : # XXXX, XXXX  : # 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 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 Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I had a late payment on an account that I was never late and the late payment is also shown on different dates through the different reporting agencies, demonstrating the inconsistency of the information. 

For Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX - XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( XXXX, Experian, XXXX ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. IAMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TOTHELETTER OF THE LAW '' XXXX, XXXX, Equifax XXXX XXXX XXXX are failing to comply with FCRA laws. I have filed a police report, an identity theft report & reporting I was a victim of identity theft to all parties. The following accounts were opened without my knowledge, authority or consent & I need them blocked from my credit file & internally with XXXX XXXX. I'm again attaching a police report, identity theft report, my photo ID and local address document. Please see the following information is removed from my report. XXXX XXXX Accounts # XXXX, XXXX & XXXX. Also the following address is not mine XXXX XXXX XXXX XXXX XXXX & there is some social security which is not mine either - XXXX. Please see that all this information is blocked from my records...
Product: Credit card or prepaid card

Can a bank ask me to send them a copy of my social security to verify my identity in the application process for a credit card? 
After applying for a Wells Fargo Bank credit card, I received a letter in the mail asking me to send them a copy of my Social Security to verify my identity or my application would be denied. Due to the sensitivity of this information I see myself in the need to ask if this is legal because in many opportunities the community has been warned not to deliver this information to any agency and I have many credit cards and this has never happened or is it such I am facing a XXXX activity due my name.
Product: Credit reporting or other personal consumer reports

Requested removal of personal statement from credit report. Can not obtain assistance or a way to remove on my own
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has numerous inaccuracies on my report with credit card amounts related to totally unfamiliar with account numbers 2 with XXXX XXXX!! 
They have as well addresses never I resided at.only my adult son..What triggered my look at this was it is outrageous to see a score drop nearly XXXX points in a 2 month time for no good reason. How does a score go from XXXX to XXXX with ZERO late payments all paid in full NO new cards opened NO inquiries recently NO out of ratio spending based on debt to allowable spending?? 

I am not clear on what caused this but monthly payments that are not accurate must contribute .NEVER have I been late on any bill and typically pay them early ALWAYS in full If the credit agencies are treating me like this what are they doing to less fortunate who really may have 1 late payment? Is real their mission to ruin people 's credit to jack up any loan rates for lenders? I wish the CFPB would hold them all ( XXXX  too who had duplicate files on my son and it took Months to get sorted if in fact it is ) accountable!. I have no exceeded what the allotted spending to available spending ratio is yet Transunion dropped me XXXX points in1 day for a large transaction FULLY paid off before due date!! They seem to operate with no consequences ever for inaccuracies. 

Phone number goes to XXXX where a guy tries to sell me {$9.00} credit report file so I can see how Transunion messed me up He also tells me paying off my credit account in FULL may droop score FURTHER because they usea goofty algorithim from XXXX Score XXXX! This is totally nuts ...!! Never mind that I don't want outsourced labor LOOKING into my PHI info! MOST fraud comes form overseas no way to enforce anything