23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I called to report my credit card lost / stolen, and asked for a replacement card to be sent OVERNIGHT to my WORK ADDRESS. XX/XX/XXXX came and went, and I never received a card. I called the same night and asked where the card was. I was told it would arrive by Monday, XX/XX/XXXX ( even though I had requested it to be sent overnight ). Monday, XX/XX/XXXX came and went. I put in a third call to Chase to inquire about the replacement card. The representative assured me it was on the way. Finally, on Thursday, XX/XX/XXXX, I received the replacement cards via regular mail ( instead of overnight ) sent to my home address ( instead of work address ). I asked if Chase can compensate via Ultimate Rewards Points for the trouble and lack of follow through, and I've gotten no response.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review.
Product: Debt collection

Spoke to this company over 3 months ago concerning this debt. I told them I have XXXX  so this should have been paid and they said it wasn't. I contacted hospital and they said they didn't have information to submit it. I call XXXX  they gave me information how it should be submitted and I called hospital back and gave them this information. They said they would do a recall from collection agency and bill XXXX. The bill was paid, but the Plus Four Debt Collection agency has only removed from my XXXX  credit report. I've left messages for someone to contact me or get them removed from my other reports, but they are ignoring me.
Product: Debt collection

Debt was in dispute with original creditor earlyXX/XX/2018. 

Collection company called XXXX XXXX XXXX attempted to collect in XX/XX/2018. XXXX XXXX XXXX failed to verify the debt and they were also notified it was in dispute. They were unable to validate or verify. Transfer or reassignment consent was not given and they were demanded to validate and verify. 

The Debt was reassigned to Merchants Adjustment Service. We have since requested and demanded validation and verification or the alleged bill. 

Complaint is about the transfer or reassignment of the collection attempt with another company. My understanding is that this is illegal under the FDCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 
XXXX XXXX XXXX XXXX XXXX 

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX PA XXXX. 

Subject : Request for Name Change, Profile Merge, and Updated Credit Report Dear Sir/Madam , I am writing to request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : 1. Update My Name : Please update my credit profile to reflect my new legal name.

2. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history.

3. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made.

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document.

A copy of my government-issued ID.

A copy of my government-issue Social Security Card .

Proof of address ( Most recent utility bill ).

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Credit card

Just signed up for a new credit card for a second optional card for both myself and husband. It was Bank of America, XXXX XXXX Visa. Used it less than 2 months and I sent in one payment in full that was done by bill pay from my bank. The bank says they sent it, Bank of America says theydo n't have it and I am out the money but being charged a late fee and a {$75.00} user fee per card even though I cancelled the XXXX cards, plus they want the {$150.00} again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. I have reached out to the police in my city and the FTC. Im also doing this on my own behalf. XXXX.XXXX XXXX  XXXX  XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are o.lso some inquiries that are not mine XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account WAYRESGRP Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that WAYRESGRP was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

For 3 years I've made payments to XXXXXX/XX/XXXX for a rent debt. This XX/XX/XXXX, I was finally able to settle the debt in full with them. Unbeknownst to me, another collection agency- National Credit Systems- was trying to collect the debt ( at the same time ) and reported the debt on my credit in XX/XX/XXXX. The paid debt was reported to the credit bureau and I sent a copy of the receipt to National Credit Systems on XX/XX/XXXX for them to completely remove this from my report as I had been paying Impact on an arrangement and had paid it off completely. XX/XX/XXXX update my credit file to the bureau within a week, but now, almost 2 months later, National Credit Systems is still showing a bad debt on my report. I've called over and over and they say they are updating it and never does, nor are they following up with me. Two creditors collecting the same debt is illegal, to my knowledge. And to report this as a bad debt 2 months after I paid it to the ACTUAL AGENCY HANDLING MY ACCOUNT is bad practice and affecting my ability to move and gain financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. Also, the addresses listed are not mine, nor did I authorize these companies to pull my credit.
Product: Mortgage

I suffered a loss to my home on XX/XX/XXXX. XXXX. It burned down and left us without a place to live. 

I can not afford to rebuild due to not having enough insurance so I have to sell the property as is. 

US Bank received a check for {$150000.00} from XXXX XXXX on or about XX/XX/XXXX to apply to the loan as I was not able to rebuild. They have repeatedly failed to apply theses monies and continue to call and harass me about the past due balance. They are continuing to move forward with the foreclosure process even though they have this money. 

I have been trying unsuccessfully to sell this property since XXXX and US Bank will not send me the correct payoff documents. In fact, they have repeatedly sent the incorrect payoff documents which has held up this sale for nearly 4 months while I incur late charges and additional past due loan amounts. 

I am unable to work due to disability right now and don't have stable housing. I can not deal with this additional stress. 

I am making no money off of this sale and have to pay nearly {$21000.00} myself which I don't have. I can not afford an attorney to help me. I just need someone to assist me with this process. Thank you
Product: Credit reporting or other personal consumer reports

I have been dealing with Equifax for several months trying to correct wrong information on my credit report. Most of the information has been corrected except my information about employment. It was wrong, outdated, and they kept providing and disseminating it as valid information. They have excuse it by staying it was not considered for credit decision. It listed me as working for XXXX as a XXXX XXXX. XXXX went out of business and went into a receivership. Disputed this several times to no avail. Finally try to do it myself online but they require that CURRENT INFORMATION MUST BE PROVIDED. I feel I am not under any obligation to volunteer or give, or validate them any information, except my name, social security and birthday to access my file. At the point I apply for credit, I will provide that information to my creditor, not to them. If Equifax does not have any current or valid, verifiable information of my employment that field or piece of information should be in blank. Right now, it lists me as working for : XXXX, and in the position of XXXX. This does not exist.
Product: Debt collection

On my XXXX and XXXX XXXX credit report I have XXXX XXXX XXXX  stating that I still XXXX from a voluntary car repo where they eventually sold car and the statutes of limitation has now been over 7 years. It has cause me great stress with having this improperly remaining on my credit report.
Product: Credit card or prepaid card

On  XXXX / XXXX /   2017  I received m y Citi car ds statement which included a late payment penalty.   I am very careful about paying my cards and pay them early and in full every month. I remembered paying this account and I have had this account for many years.  I called Citi cards  and told them they have a problem as I paid that account. They gave me a hard time, so I cancelled the card. I then paid the account in full and called to redeem my cash rewards. On  XXXX / XXXX / 2017  I received a statement fro m Citi  cards for a recurring charge made on  XXXX / XXXX / 2017 . I called  Citi  and told them I had cancelled the card on  XXXX / XXXX / 2017  and they issued a conditional credit. On  XXXX / XXXX / 2017  I received an email fro m Citi sta ting that I had a new message in the message center. I checked the message center and found no new message. I continued to check the message center for several days and found no new messages. I then received a letter fro m Citi sta ting that they had reversed the credit. I checked the message center again and now found the message had been posted. That tells me that they ha ve an IT problem. I called Citi and asked why I was responsible for a charge made on a card I had cancelled. They told me if I did not pay, it would ruin my credit. On top of all that, I had returned the product. USPS  tracking  XXXX
Product: Mortgage

I have a XXXX year 4.75 % fixed FHA loan originally with GMAC mortgage and now currently with Ocwen Loan Servicing , LLC . My monthly payment including escrow and insurance was {$2700.00}. An escrow analysis was carried out in XXXX XXXX, 2015 and the escrow shortage in the amount of {$440.00} was generated. I paid {$2800.00} in XXXX and was posted on the account on XXXX, 2015. In XXXX, I paid {$2800.00} and it was posted to the account on XXXX XXXX, 2015 and in XXXX, I paid again {$2800.00} on XXXX XXXX, 2015, on XXXX XXXX, 2015 ; I paid the Escrow shortage in the amount of {$440.00} as requested. My monthly payment was not adjusted to reflect my fixed monthly payment in XXXX. I wrote a letter dated XXXX XXXX, 2015 requesting another escrow analysis to reflect an adjustment to a monthly payment of {$2700.00} which was the original payment. I got a letter from the research department that the monthly payment due on XXXX XXXX, 2015 will be {$2700.00}. Hence, the complaint that the action taken by Ocwen Loan servicing is unfair. How can the terms of the loan be changed to affect my monthly payment from {$2700.00} fixed payment to {$2700.00} especially when I have made up for the escrow shortfall as the last analysis reflected.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

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.

1. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 2. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX Account Number : XXXX please update all late payments, all payments was made on time 3. 15 USC ( 1666b ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX XXXX  Account Number : XXXX please update all late payments, all payments was made on time 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. The following account is not mine XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

6. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

7. 15 USC ( 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 XXXX XXXX XXXX Account Number : XXXX please update all late payments, all payments were made on time I SENT OUT DISPUTE LETTER TO REMOVE LATE PAYMENTS BECAUSE Under 15 USC 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. 

Also, I DISPUTED ACCOUNTS THAT WERE NOT MINE, AND CREDIT BUREAUS STILL LEFT ON MY REPORT AND DIDN'T COMPLY WITH THE FEDERAL TRADE COMMISSION
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX and XXXX, 2021 I received a {$50.00} advance from Brigit / Bridge IT , Inc. ( www.hellobrigit.com ), an app I found on the XXXX XXXX  store for XXXX. I paid the first advance back, but lost my job subsequent to the second one. I informed the company via email, their only provided method of contacting them, that I lost my job and was revoking my consent to debit my bank account via any means, pursuant to the US federal Electronic Funds Transfer Act. I didn't receive any response, and despite my message, the company relentlessly tried to debit my XXXX XXXX account, causing me numerous returned/denied transaction fees. 

Now, for the past 6-8 months, the company has been sending me email messages every XXXX days, non stop, from various fake employees of theirs, asking me to repay the advance. I have sent numerous emails to them telling them to stop harassing me, and I receive no response whatsoever and the emails continue being sent to me. 

The company has no phone number, and no contact information at all other than an email address that they apparently do not monitor ( XXXX ). 

I consider the {$50.00} advance paid in full based on the bank fees and harassment that this company has caused me. 

Here is the company 's information : Bridge IT , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX
Product: Credit reporting or other personal consumer reports

equifax 's website has been broken for years. I've been trying to freeze my credit with them after this latest data breach and even after trying multiple different web browsers multiple times over the course of multiple days I only get a generic error message every time I try to log in. this same thing happened years ago after another data breach and I just gave up back then and it's insane that this has not been fixed yet. their automated phone system also rejects me, saying that my information can't be verified. I've also wasted a significant portion of my day on hold, with no estimated wait time, trying to get in touch with a live agent with no success. They are straight up not allowing me to freeze my credit with no explanation as to why. There should be legal penalties for this. I just want to prevent my identity from being stolen.
Product: Credit reporting or other personal consumer reports

I am writing to report a severe identity theft incident stemming from a data security breach involving XXXX XXXX XXXX, impacting me as a subscriber to XXXX XXXX of California since XX/XX/XXXX. This breach has led to a global compromise of personal information, severely jeopardizing my safety. 

The breach exposed sensitive data, including my social security number, account number, banking details, credit and debit card information, date of birth, health insurance, provider name, prescription details, and other personal information. Subsequently, this breach has affected my social media accounts, credit accounts, and billing accounts. Furthermore, I have discovered unauthorized debt collections on my account that I had no prior knowledge of. 

This incident has not only compromised my financial security but has also caused distress and uncertainty about the misuse of my personal information. I am taking immediate steps to mitigate the impact of this identity theft, including working with law enforcement, financial institutions, and credit bureaus. Additionally I've reported this incident with the FTC Identity Theft service and have attached documentation that supports my claim. 

Upon learning of this data breach I found the following inaccurate damages to my credit report that should not exist under the law 15 U.S.C 1681. 

THE ACCOUNT BELOW ARE NOT ACCURATE AND ARE THE RESULT OF MY INFORMATION AND DATA BEING BREACHED XXXX  XXXX Balance {$350.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Balance {$620.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$370.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$420.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX Balance {$120.00} Balance updated XX/XX/XXXX XXXX XXXX  Balance {$630.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX LATE PAYMENT XXXX XXXX XXXX Original creditor XXXX XXXX  Balance {$3200.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$2200.00} Balance updated XX/XX/XXXX I request prompt intervention and investigation by the Consumer Financial Protection Bureau ( CFPB ) to address the implications of this breach and to ensure that appropriate actions are taken to prevent further misuse of my personal information. I appreciate your attention to this matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX {$0.00}