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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Product: Credit card

Macys fraudulently without our knowledge or approval, changed our delivery/home account address on or before XX/XX/XXXX till XX/XX/XXXX, after which our account was sent to collections for a unpaid debt. ( {$12.00} charge plus {$190.00} in fees ). I was ONLY notified of this by a phone call from a debt collector on XX/XX/XXXX. Immediately contacted MACYS to correct their error of the address and subsequent charges, but received no response, only referred back to XXXX XXXX XXXX. On XX/XX/XXXX received copies of the bills in question stating WRONG ADDRESS. We mailed copies of XXXX utility, water, tax bills- ( XXXX pages of docs ) proving there was no change of address ( corresponding to the dates on bills that XXXX 's changed address ) back to XXXX XXXX and XXXX XXXX. 

TO DATE THERE HAS BEEN NO RESPONSE. Have attempted to pay {$12.00}. charge with MACYS and are unable to do so. XXXX were alerted when applying for a Mortgage, that MACY 'S is reporting a CHARGED OFF/CLOSED BY XXXX XXXX. XXXXThis is negatively affecting our credit ( over {$12.00} ) and MACYS and UNITED COLLECTIONS have not corrected the error. Letter dated to MACYS XXXX. XXXX, NO RESPONSE. PLEASE correct this on our CREDIT FILE.
Product: Debt collection

Today, XX/XX/22, I was notified about a debt sent to collections ( Convergent Outsourcing inc. ) for a bill incurred from XXXX XXXX which was reported XX/XX/22. I have never lived in Texas. I have never cosigned any loans/utilities. The amount owed is {$560.00}. My wife had a fraudulent claim from XXXX XXXX as well ( we both have never lived in Texas. ) I have pulled credit reports from all three Bureaus and am working with my identify theft service to get this addressed. This claim is to further address this.
Product: Credit reporting or other personal consumer reports

Identity theft fraud Refunds XXXX  account/ XXXX and others XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This letter is regarding account # XXXX which you claim I owe {$160.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MA XXXX Last 4 of SS XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  Account XXXX XXXXXXXX XXXX and XXXX XXXX Has violated My rights. acc dates XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy. 


15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a accountant without my written instructions
Product: Money transfer, virtual currency, or money service

I requested a virtual card for {$220.00} ... the card was then supposed to disappear. Affirm Loan Services added another charge of {$220.00} WITHOUT my consent.
Product: Debt collection

On XX/XX/year> I noticed on my paystubs that the amount I owed had already surpassed by almost {$200.00} so I called the firm who bought my debt out, which was Pressler, Felt, and Warsaw Attorneys, and tried to find out what was going on and it was almost impossible to get to speak to anyone who knew what they were doing. Eventually after being told there was nothing they could do, I finally got a supervisor on the line who told me that my debt owed was only {$700.00} and I INDEED have paid off my balance owed, he than told me to send over a photo of my pay stub so he can check it out and get it handled so that the lien was taken off my paychecks and that I got back the money I over paid but after sending the check copy silence. No response after reaching out multiple times to them. I got my paycheck this week and they are still taking money out.
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.

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. 
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.

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, credit repair services, or other personal consumer reports

Factual data again ran my credit for a company called XXXX  XXXX  XXXX. After they knew the company was fradulant but this time they used a different ss number.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request the immediate blocking and deletion of the following fraudulent accounts from my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have these accounts blocked and permanently deleted. 
Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XX/XX/XXXX {$140.00} XXXX XXXX XX/XX/XXXX {$0.00}
Product: Debt collection

AFFIRM ACCT : XXXX Amount : {$290.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

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

FTC XXXX Opt-Out Form Confirmation XXXX Please note that your information will remain in the following products and services : restricted public records products which are available to commercial and government entities that meet XXXX credentialing requirements and are used to detect and prevent fraud, enforce transactions, perform due diligence, and other critical business and government functions ; products regulated by the Fair Credit Reporting Act ; third party data available through real time gateways ; news ; and legal documents. 
Should you have any questions regarding this confirmation notice, please contact the XXXX Privacy Hotline at XXXX. 
XXXX XXXX {$540.00} XXXX {$9000.00} XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX inquiries XXXX {$540.00} XXXX  {$400.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Mortgage

I have attempted to refinance my original mortgage with Quicken Loans. Quicken is the original mortgage holder of our FHA mortgage. We turned in all of our documentation, which shows a combined income of over {$170000.00} a year, including a traditional profit and loss sheet from my wife 's XXXX XXXX. The refinance amount was {$450000.00} over a 17 year period at 2.8 %. Our credit is immaculate and our income is actually greater than when we originally bought the house. We received a denial letter dated XX/XX/2020, that says, Debt to Income : XXXX XXXX Income not supported. The problem was our Quicken Mortgage Banker, XXXX XXXX, has no idea how to read a profit and loss statement. Her misinterpretation of how a negative number represents income caused her to enter information incorrectly which caused this fiasco. I have been able to obtain approval with another mortgage company at a better rate and with a 15 year commitment in less than 24 hours with the same information I supplied to Quicken.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Accounts that are in disputes and I have a pending lawsuit against the credit bureaus for not removing accounts that are fraudulent and the phone call I had with Experian and XXXX was unsuccessful and the disputes were denied I didnt not open up a XXXX XXXXXXXX XXXX XXXX XXXX XXXX in my name and Im requesting a account to be removed off my credit report A account called XXXX XXXX  is reported on my XXXX report XXXX is not removed the rep refused to block this account I send in documents at my own expense and they are wasting my money
Product: Mortgage

My mortgage servicer is reporting to the 3 credit bureaus XXXX, XXXX, and XXXX my mortgage is up to 150 days delinquent. My mortgage payments are currents. I have tried to speak with my mortgage servicer to correct this but they will not speak with me. I have my canceled check reflecting all mortgage payments. Received mortgage statement that said my mortgage payment was increasing because I was being escrowed for city taxes, my home is in the county and I don't pay city taxes. My mortgage company has over charged me for my escrow account. Also my mortgage payment has increased because of the incorrect information
Product: Credit reporting or other personal consumer reports

The Family Educational Rights & Privacy Act is a federal law that protects the privacy of student records. FERPA applies to all levels of education and there should be NO reporting on my consumer report.

I tried to verify that I have an active account with this company and I found no account even when entering my social & date of birth. All basic information they should have if I had a valid account with them meaning this information has been released without consent.
Product: Debt collection

This is on my credit report with all three credit reporting agencies. This is not my collection or debt. How can they just say it is mine and ruin my credit. I can not deal with the hundreds of phone calls a month and I refuse to have anything to do with this since it is not mine. They can not prove it is mine
Product: Money transfer, virtual currency, or money service

on XX/XX/2022 I was charged XXXX to a XXXX XXXX on PayPal this person got into my account and my money was taken off my credit card I have tried to get PayPal to fix this and they will not and they will not tell me why this happened or how this happened Paypal is now letting people rip people off and not doing anything about it this is now the second time this has happened and Paypal does nothing about it except say I am sorry
Product: Debt collection

I was never notified in writing about the debt right to dispute, listed as a joint account with ex spouse. Disputed it on my own related it being placed on my credit report. I was diagnosed with XXXX XXXX XXXX XXXX XXXX. Went to location was informed it was never filed in court no eviction was listed as occupant not applicant. To divorce and XXXX needs. I was not the main applicant, ex spouse is responsible for any debts of housing per our divorce decree. Application of location. I have disputed the collection account and it comes back as verified no proof of debt or opportunity to submit divorce decree has been allowed in the past 90 days I have been attempting to rectify this matter which has left me homeless living in a hotel. As it has tarnished my credit. Im asking for assistance to have this account removed as the time alllotted has passed and due diligence has not been achieved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX To : Synchrony Bank XXXX XXXX  XXXX XXXX XXXX, UT XXXX Subject : Request for 1099-C Form for Charged-Off Account Dear Synchrony Bank, I am writing regarding my account with your institution, which was charged off as a loss on XX/XX/XXXX, and subsequently sold to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. My understanding is that when a debt is charged off and considered uncollectible, Synchrony Bank may issue a Form 1099-C, Cancellation of Debt, to the account holder and report it to the IRS if the amount forgiven meets reporting thresholds.

To date, I have not received a 1099-C form related to this account. If my account qualifies for cancellation of debt reporting, I kindly request that you send me the Form 1099-C at your earliest convenience. If this debt does not meet the criteria for issuance of a 1099-C, I would appreciate written confirmation for my records. 

To assist you in locating my account, here are the details : Name on Account : XXXX XXXX Date of Charge-Off : XX/XX/XXXX Sold to : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) If additional information is required to process my request, please contact me directly at XXXX I appreciate your prompt attention to this matter, as it is important for my financial and tax records. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX
Product: Mortgage

Our servicer, Seterus is the worst! For several years we have been going back and forth relative to impound issues. Finally, after an NOD we submitted to their tactics and did a loan modification ( while still disputing that there is any negative impounds. I've paid the taxes and insurance personally forever, even when we fell into financial difficulties and got behind on the mortgage we always paid the taxes and insurance - yet Seterus kept adding on and saying that they did not get notice from the county or carrier - they paid, we paid after so many years there is a large overage somewhere and Seterus just doesn't know how to research ). Needless to say we paid on the 3 month loan modification on time - XXXX, XXXX, XX/XX/2018. We passed this and signed loan mod for good. Well, no statements ever came - instead we started getting collection calls asking for XXXX per month - I disputed this in several calls with Seterus stating that amount was very high and that we paid only {$550.00} during trial - to no avail. I even sent a payment for XX/XX/2018 in the amount of {$550.00} yet it never got applied as I never got a statement. I'm XXXX years old, have owned this house for long time and the financial confusion relative to taxes and insurance has literally killed me. They have yet to reconcile with county on the taxes and keep piling the account on. Finally in XX/XX/2018 they send first statement and of course it's asking for funds to cover XXXX on - even though I sent them a check ( probably got credited to someone else 's account ). This company is unnerving and acts more like a loan shark than servicer. They keep telling me that even though I didn't get any statements for 3 months I still should have made payments - I said which amount? your collectors amount or the amount that finally got sent to us. I'm XXXX and this is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 A INQUIRY WAS MADE ON MY CREDIT REPORT FROM CAPITAL ONE I DID NOT AUTHORIZE THIS TRANSACTION AND IT NEEDS TO BE REMOVED
Product: Credit reporting or other personal consumer reports

I disputed this information and haven't received any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for a credit card in my name without my consent. This resulted in a decreased credit score. I reached out to my bank and Experian to attempt to resolve the issue, which I believe will be done appropriately.
Product: Debt collection

This is for a personal loan. Have constantly contacted XXXX of my references after being told to stop. Have harassed my wife at work. 
Constantly calling my house. All this because i am XXXX payments behind because i am on permanent XXXX now. i have not missed a payment in XXXX months and pay extra.
Product: Vehicle loan or lease

XXXX XXXX has violated the FCRA. On XX/XX/2023, the XXXX XXXX that was financed with the company was totaled by a rear end accident. I made payment for the XX/XX/2023 due date. The other car 's Insurance company, XXXX XXXXXXXX XXXX requested a Letter of Guarantee on XX/XX/2023. The amount on the letter was incorrect. The Insurance company requested for the updated letter on XX/XX/2023, where they were told a letter would be issued within 3-5 business days. Since this date, the insurance company has called 5 other times to receive the letter and was told 3-5 business days. I called the finance company around XX/XX/2023 as the payoff of the vehicle has still not taken place. When speaking with customer service, I had requested an extension/deferment of payment. I was informed one could not be applied due to the age of the loan ( I bought the car in late XXXX of XXXX  ). I was informed that as long as it was paid off within 15 day after the due date of payment, no penalty would be received. I understood and agreed. Come XX/XX/XXXX, I found out that the finance company has still not received the letter of guarantee with the correct amount. I called the finance company and spoke to a Manager Named XXXX XXXX who would not provide his last name ). I got the run around that it would be 3-5 days to get the letter of guarantee to pay off the car. Plus, I've now received a late payment fee and a negative hit against my credit score, when this should have all been resolved in XXXX. I received a letter in the main indicating the pay off due to the totaling of the car hasn't occurred yet ( well, I'm still missing the letter of guarantee for the insurance company ). The manager refused to escalate the issue, I waited 3-5 more business days and have still not received the letter of guarantee. The next payment due is XX/XX/2023. Anything better than agreed on my credit is unacceptable. This company has violated my rights as a consumer and should immediately rectify this issue. Due to their willful failure to comply with FCRA requirements, the company is liable for actual or statutory damages and punitive damages as they are destroying my credit.
Product: Payday loan, title loan, personal loan, or advance loan

I requested a loan with Xact Loans back in XXXX and was approved for {$1100.00}, I was contacted by a representative to make the agreement after filling out information on a loan application website that has various lenders contact you to make an offer. I had never done this before so I had no reason to think anything unethical would happen and was in severe financial distress. A representative reached out to me over the phone and then sent over contract information for me to browse and agree on so that I could have the money deposited and it did come quickly. I am now realizing that the loan has exorbitant interest fees and am being harrassed every other day to make payments. I am XXXX payments away from paying off my initial balance but my payment history is not showing up on my profile so I am very certain that this company is not adhering to ethical practices.