23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received numerous calls from portfolio recovery pretending to be a XXXX XXXX employee. They also threatens to send someone to my location of work after an answer has been sent to the courts. I do not agree with the among the of debt and have been sent a validation with charges, signatures or original creditor. I could dispute these actions if so. I have voicemails of the person pretending to be a courier and threatening to come to my job. also sent my answer in to the court. Theyre is also an individual that calls from a number very similar stating the court needs a statement. 

Dates sent in court answer was XX/XX/2022. 
Debt validation has not been received. 
Receiver more calls in XXXX with proof after the court date has been set. 

In XXXX received three calls back to back and they denied to tell me who they were and she stated she doubts I have a lawyer when I told her she was harassing me and calling so much after she wouldnt give any information. I have proof of all the calls and voicemails. They also have called a family member. And prior have my information without my consent because I received mail from Lawyers that wanted to represent me. I didnt give anyone the consent to sell my information to a third-party. 
Thank you for your time. 

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

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account : XXXX XXXXXXXXXXXX  Account : XXXX XXXX Account 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 XXXXXXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously complained and the bureaus fixed all the accounts, but now two accounts are showing disputed again as of X/XX/2017 on all three bureaus. -Previous complaint XXXX about XXXX . -Previous complaint XXXX about XXXX . -Previous complaint XXXX about EQUIFAX , INC . They are now showing XXXX XXXX XXXX as disputed when I have repeatedly, and even the CFPB has now, advised them these two accounts are not disputed. This keeps holding up my mortgage reviews because I ca n't have disputes shows. The accounts were updated correctly before, but now these two show disputed AGAIN when I have advised numerous times I am not disputing any accounts. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed two seperate complaints to Equifax, XXXX, and XXXX about WV Department XXXXf Health from XXXX  that is outdated and still being reported without my express written consent from me to place in my consumer report. I have pointed out the date and incomplete data and asked them to remove it. Equifax, XXXX, and XXXX keep telling me that it has to stay on my report because the company says so.
Product: Credit card or prepaid card

I used my card at a bar where they have charged me {$130.00} instead of {$30.00}. I tried to dispute the charge with the bank and the bank keeps declining it. 

I have not saved a copy of the receipt. I asked the bank that they ask for the copy from the merchant as I am quite certain that the merchant would not have it as it doesn't exist and they wouldn't do so. 

The bank denial letter clearly says that I can request the documentation that the merchant provided and they used to resolve the dispute, so I called the bank and asked for it and what they sent me in response was a credit card statement I have never had this issue with a bank where they would side with merchant in resolving a dispute without proper documentation. 

I tried to contact the establishment many times as well with no luck. So I really need help. 

Thank you very much.
Product: Credit reporting or other personal consumer reports

Experian has a speedy internet loan on my account that I did not recieve or apply for and it hasn't been taken off in the amount of {$1500.00}. I would like to do a complete sweep of my experience account and challenge the company on these laws., 15 USC 1681i ( a ).

15 USC 168i ( a ) 6 ( B ) 3. And 15 USC 1681i ( a ) ( 5 ) B
Product: Credit reporting or other personal consumer reports

Dear XXXX, Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. 
Please be advised that this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

You have NOT provided me a copy of ANY original documentation required under : Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- You are reporting this late during to COVID19 Pandemic. Please update to never late. 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please update to never late! 
XXXX - XXXX - Under 15 US Code 1681b permissible purposes of consumer reports- Please delete immediately! 
Incorrect Name - XXXX XXXX - This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX- This is wrong and needs to be removed immediately! 
P.S - Please remove all non-account holding inquiries over 30 days old. 
P.S - Please add a Promotional Suppression to my credit file. 
P.S - Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
With Regards, XXXX XXXX
Product: Credit card

I made a request to Discover to increase my credit limit and also applied for a balance transfer card. In response, on XXXX XXXX, I received the following email from Discover ( their email is contained within the quotation marks below ) : " XXXX, Discover Financial Services requires your consent to obtain income information from the Internal Revenue Service ( IRS ) to verify information on your account. 

Within 5 days, please click the 'Review and sign ' link above to provide consent via IRS Form 4506-C. Until this verification is complete, a temporary hold has been placed on your Discover Card account. If you do not provide the requested consent by the indicated response date, your account will be closed. 

This verification process will consider your tax information from the last two years. If you have not filed taxes during this timeframe, please provide consent as described and then contact Discover immediately to discuss additional required steps. 

We appreciate your prompt attention and cooperation. 

Sincerely, Discover Financial Services '' I have a new career where my pay has increased substantially, as such, I have also relocated from Texas to Colorado. This is not going to be reflected on my taxes for the previous year, as this change occurred only 2 months ago.
Product: Credit reporting or other personal consumer reports

I SENT IN DOCUMENTS THAT PROVE THAT THIS ACCOUNT IS NOT MINES AND TRANSUNION IS THE ONLY CREDIT BUERAU THAT IS REPORTING DIFFERENTLY THAN THE OTHERS. 

THIS ACCOUNT SHOWS THAT IT WAS CLOSED IN XXXX BUT IS REPORTING LATE THE FOLLOWING MONTH HOW CAN THAT BE WHEN THE ACCOUNT HAD CLOSED 45 DAYS PRIOR. 

FURTHER MORE I REQUEST THAT 15 U.S. CODE 1666B - Timing of payments be followed since this is the law and transunion along with this company is breaking the law.

In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish accounts without my written instructions. which they do not have because this account is not mines.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Several laws have been broken by both companies and Transunion 's response ( which I have attached along with my original FTC Identity Theft report ) proves they are deliberately breaking the law by using the E-Oscar system to verify my debt when i gave directions that i do not want the debt verified by E-Oscar system but instead a physical human and 2nd by not removing the alleged identity theft in 4 days when i sent in the information that legally proves that an identity theft occurred and then by adding information in my credit report that contradicts the same account.
Product: Debt collection

Exchange Collections Department claims that Transworld Systems Inc has a debt in which it was stated that I owed over {$9000.00}. That is totally impossible. Today I received a statement and the company was unable to pull up an account in my name or by the account number I provided. Something is going on that is not legal. I pay $ XXXXmonth as agreed when I found out about this, but this statement also states, If your debt is submitted to the TOP by either XXXX or the US Treasury ... then you may not receive another notice after this one before funds due you from the federal government are offset under TOP. I called these agencies today to inquire about this since I am making payments as I agreed that I would. I do not have anything to offset from the government, plus the balance changed by over {$6000.00} since I spoke to Transworld. Yet they are unable to find an account in my name. XXXX is the last person I spoke to. I dont know who this company is or what kind of scam they are pulling, but this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give written consent to report this on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX loan and have several inquiries where they tried to get others to approve me-with out my knowledge or concent. I 'm having trouble getting them removed. Personal Loans Cos. XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX Inquiry : XX/XX/XXXX + Miscellaneous Reptg. AgencieXXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies Mail Order Firms XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Mail Order Firms XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks Collections
Product: Mortgage

Freedom Mortgage Corporation is denying receiving monthly payments that were withdrawn electronically from checking account by their bank, XXXX XXXX XXXX. Freedom Mortgage has taken no action to track done these payments through XXXX XXXX even though they were given the Trace ID numbers. The only response to date on my requests to resolve these payments issues are letters saying they need 30 days to research, but it 's now nearing 60 days old and no response. I need assistance to resolve this issue as Freedom Mortgage only cares to charge me interest on payments their Bank withdrew and has no incentive to cooperate with me as they would prefer to foreclose and take my home. All request to talk to a senior supervisor while on the phone have been denied. Freedom telephone response is either their Cash Department or Research department will look into it. 

The problem began when I changed my checking account and bank routing information using Freedom Mortgage online system. Freedom says I closed my reoccurring payments, but their bank, XXXX XXXX XXXX, continues the unauthorized withdraws from my checking account without anything being posted to my loan. It appears Freedom Mortgage system did not properly transmit the correct data to XXXX XXXX XXXX. XXXX XXXX continued the withdrawals in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and this money is either going to someone else 's loan or being deliberately stolen my employee theft. Freedom Mortgage has charged me interest on my account for the mistakes made by them and XXXX XXXX, which is illegal and fraudulent. My bank has been on the calls, agrees with this assessment, and has never seen such bizarre behavior.
Product: Debt collection

I was contacted on XX/XX/2020 XXXX by Real-time Resolutions XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX The agent said they were calling about an unpaid debt to XXXX  XXXX XXXX in the amount of {$5000.00}. I advised the agent that I am unsure about the information being given and requested a debt validation letter. I have my mailing address and waited to receive the information in the mail. It is my understanding that collectors have 5 days by law to send this information. Two months later I began receiving harassing phone calls to make payments on a debt that has never been validated. On XX/XX/XXXX at XXXX XXXX  I spoke with an agent by the name of XXXX and advised her of my rights and that the debt validation letter hasnt been received. She places me on hold several times and began to become very forceful in her tactics to collect said debt. I advised her that she is in danger of being reported by violating my rights and the line became disconnected. This is my formal complaint against Real-time Resolutions for violating my rights under The Fair Debt Collection Practices Act and refusing to send a debt validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to FCRA converging account XXXX has violated my rights. 

15 USC 1681 Section 602 A ; states I have a right to privacy. 

15 USC 1681 604 a Section 2 also states that a consumer reporting agency can not furnish an account without my written permission. 

On XX/XX/2022 the bureau in question stated that the account was updated, however it is not 100 percent accurate as requested. Bureau shows over 43+ late payments without further verification. Also the bureau further contradicts themselves on the consumer report as PAY STATUS is stated by bureau as current ; paid, or paying as agreed, with a payment showing posted as recently as XX/XX/2022. The consumer report is filled with inaccurate and inconsistent information and must be resolved.
Product: Debt collection

I had a late payment in my Credit Report due to an error to my bill pay, I called the lender to explained them and they requested proof. 

TD Bank had told me that if I could get a letter from the bill payment company detailing their error, TD would remove the delay from the credit report. I have sent letters to the bill payment company explaining their error but have not received a response. 

The accounts involved are the following : Account number : XXXX XXXX XXXX XXXX Open date : XX/XX/2009 Balance {$0.00} Account number : XXXX XXXX XXXX XXXX. 
Open date : XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Removal of Unauthorized Inquiries from My Credit Report To Whom It May Concern, I am writing to dispute several unauthorized inquiries listed on my credit report formally. These inquiries are damaging my credit profile and negatively impacting my ability to purchase a new home. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and remove any inquiries that were not authorized by me.

According to the FCRA, specifically : 15 U.S.C. 1681b ( c ) : A credit report inquiry must be permissible under the law and authorized by the consumer. 
15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the information in a consumer report is found to be inaccurate or unverifiable, it must be promptly deleted. 
The following inquiries on my credit report were not authorized by me and should be removed immediately : 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 XXXXXX/XX/XXXX I did not initiate these inquiries, nor did I provide explicit consent for these entities to access my credit profile. As such, they are unauthorized and should not appear on my credit report. 

Could you please immediately investigate and remove these inquiries from my credit report? Please provide a written confirmation of the results of your investigation within 30 days, as required by law. 

For your convenience, I have enclosed a copy of my identification and proof of address to facilitate the verification process. 

Thank you for your prompt attention to this matter. Should you require any additional information, please contact me directly at the phone number or email address listed above.
Product: Consumer Loan

Chrysler Capital Acct reporting two invalid 30day lates + $ XXXX injustice fee charges, causing me constant financial worries & stress as im still paying bill on-time. 

Problem : This account is reporting two invalid 30day lates + $ XXXX fee charges : Chrysler Capital XXXX , Account Number : XXXX The Chrysler Capital XXXX XXXX account is being incorrectly reported. The reporting states that I was late 30 days twice ( XXXX XXXX & XXXX XXXX XXXX although I have never been late. Since XXXX XXXX, to present XXXX XXXX I have made 24 on-time payments ; I always pay this account on time. I 've been giving them $ XXXXmonth for 2 years straight, yet I am feeling mistreated. I have not been getting monthly statements through both email & mail every month, as I should be. I have been charged with an enormous amount of fee 's on my account at a apr rate so high, with injustice reasoning. Payments online have not always been reliable, so I 'd be forced to call and pay with agents, which adds an additional {$8.00} fee, schemes i have not been one to favor as their " valued '' customer. I 've given the company at least {$11000.00} and my balance only has reduced about {$3000.00} ... I want to believe they are a good business as I 've always recommended their financing but something 's need to be adjusted, I feel that it 's rightfully so my request is granted. I believe the company mistakenly credited my payments to another account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ftc violations XXXX : These lawsuits allege XXXXXXXX XXXX violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent. 
XXXX XXXX XXXX is being accused of pressuring customers into buying extended warranties that did not live up to the promises of sales staff. 

XXXX : CFPB Sues Nation 's Largest Student Loan Company XXXX for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception XXXX XXXX XXXX XXXX XXXX XXXX was sued by the XXXX   XXXX XXXX today for ... after controversy erupted earlier this year over wireless carriers ' data ... The suit also named two other companies, XXXX XXXX XXXX, XXXX, XXXX and XXXX get sued for reportedly selling your ... All four major cellphone companies have just been hit with a ... wireless carriers allowed third parties to track Americans ' cellphones without consent. 
XXXX XXXX News of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} million to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XX/XX/2017 data breach, ... 
XXXX XXXX XXXX XXXX XX/XX/XXXX he Rule would prohibit anyone from engaging in fraud or deceit in wholesale petroleum markets or misleading any person by omitting important information from statements that might distort petroleum markets because of the omission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXX Balance : {$990.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$990.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$990.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$970.00} XXXX XXXX Balance : {$640.00} XXXX  XXXX Balance : {$530.00} XXXXXXXX  Inquired on XX/XX/XXXX XXXX