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

I'm extremely distressed by the credit report I recently received! This situation is completely unacceptable. It's baffling that the government allows such blatant errors that have such a severe impact on people. I'm fully prepared to hold you accountable for your poor reporting practices if you don't promptly and accurately address this issue. To my knowledge, these accounts shouldn't even be on my file, and I have no idea where you obtained them from. 

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 XXXXYour dissemination of this inaccurate and incomplete inf
ormation constitutes a serious breach of credit reporting laws. I require that you expunge this misleading information and furnish corrected credit profiles to all creditors who have received a copy within the last 6 months, or within the last 2 years for employment purposes. Additionally, I request the disclosure of the name, address, and telephone number of each credit grantor or other subscriber.
Product: Credit reporting, credit repair services, or other personal consumer reports

AES XXXX is reporting 8 student loans that I do not recall making from them as the borrower or giving my permission to service. All of my federal student loans were made through XXXX XXXX. AES XXXX is reporting the loans as having been last for four months in 2017. I was a student during the periods that they are reporting late payments. My other student loans are reporting as in good standing during the same months reported by AES because my federal student loans were in in-school deferment. I consolidated all of my student loans. The AES account has been closed for several years. My complaint is that ( 1 ) AES is reporting a total of 36 late payment to the credit bureaus and, when I asked them to send me a copy of the contracts, promissory notes, or any other documentation that defines the actual loans made, for what school, and when, they sent me a short ledger page that had no discernable information on the loans themselves or how AES came to service them. Reporting 36 late payments on my account that I challenge requires AES to produce those documents upon my dispute. Moreover, since the loans were consolidated under a federal program, I am entitled to accounting so that I can check AES ' information against the individual loans in my consolidation account. Sending me a generic printout of something purported to be a balance sheet without supporting documentation is a clear violation of the FCRA and demonstrates a reckless disregard for the impact that their 36 late payment allegations have on my credit and potential debt obligation for loans that I did not take out from them.
Product: Credit card

I mailed payment in time as soon as I got the statement JPM Chase claims to have gotten it 5 days late now there charging XXXX dollars in fees for XXXX dollars and claiming frauadently they got it late.this not fair this is highway robbery.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

On the date I initially reached out to this agency via certified mail, I informed them of my identity theft victim status. However, as of todays date, this agency continues to include information in my credit report that stems from this identity theft incident. According to Section 605B, titled " Block of Information Resulting From Identity Theft, '' consumer reporting agencies are obligated to alert the sources of this information, such as financial institutions, about the potential origin of the information being identity theft, and to inform them that an identity theft report has been filed. I have provided this agency with FTC report numbers XXXX and XXXX along with a formally requested block. Following such notification, Section 623 ( a ) ( 6 ) requires the sources of information to cease reporting any data in a consumers file that the consumer has identified as resulting from identity theft. This cessation must occur no later than 4 business days after the agency receives : ( 1 ) adequate proof of the consumer 's identity ; ( 2 ) a copy of the identity theft report ; ( 3 ) the consumer 's identification of the disputed information; and ( 4 ) a declaration by the consumer that the information is unrelated to any transactions made by them.

I have satisfied all these stipulations, and evidence supporting this claim will accompany this complaint. Despite fulfilling these requirements, this agency has not adhered to the requirement set forth by the FCRA 15 U.S. Code 1681c2 to block the reporting of the information I identified as arising from identity theft within the specified 4 business days following your receipt of the necessary documentation. This failure constitutes a violation of the law and makes this agency civilly liable for willful non-compliance, including any actual damages I have suffered as a result of this failure, in accordance with 15 U.S. Code 1681n.
Product: Mortgage

Mr. Cooper has predatory re-financing practices. I had a discussion with them about re-financing our mortgage last week, and since then, I have been barraged with phone calls, emails, and texts. This morning alone I received 14 phone calls. Their most recent text message said, " We'd love to help you stop all of the phone calls and find you the best mortgage option. '' This seems like a threat. 

Please log my complaint against Mr. Cooper. 

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

This is my 11th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

XX/XX/XXXX marked the XXXX Anniversary of my wife 's death. I decided it was time to sell 60 acres for property we had acquired together in XXXX to expand our plant nursery. On XX/XX/XXXX the vacant land was listed with a realtor. Within a few days we had several offers and I accepted one on XX/XX/XXXX. The XXXX XXXX XXXX did their research and uncovered a Mortgage Lien filed by XXXX XXXX XXXX XXXX in XXXX with the XXXX ( MI ) XXXX XXXX XXXX XXXX. I was shocked. Any matters related to ownership would have been resolved within 2-3 years after my wife 's passing. I spoke with XXXX XXXX XXXX and was told it was not uncommon and the bank most likely failed to discharge the lien. My online research brought me to PNC with had acquired NationalCity Bank which had merged with XXXX XXXX XXXX. After phoning several departments of PNC and getting nowhere I XXXX them and received an immediate response. I was directed to contact XXXX XXXX ( XXXX  ) and was told if they were unresponsive to tweet back and they would escalate the matter. I reached out to XXXX and they opened an secure online portal to resolve the matter. My sense was they shifted the responsibility of proof to me while I complied wasn't it ultimately their responsibility to prove I owed them money? 

The sale was pending and in jeopardy of not going through so I took action to prove toe the title company that there was no outstanding debt and lien was invalid. They insured the title and the sale was completed XX/XX/XXXX. Unknown to me XXXX had mailed a discharge document to XXXX XXXX on XX/XX/XXXX. When I followed up with XXXX XXXX on XX/XX/XXXX I was told that the document sent by PNC did not fulfill the requirement to discharge the lien and the assignment of rents filed on the same day. I was also advised that even though the title was insured it was in by best interest to see the process through with PNC. I emailed XXXX today stating the current situation and await their reply. Given that I had done all I could and the matter was not resolved I am contacting the CFPB to bring additional weight to the matter. 

XXXX XXXX identified the Libre 741 Page 317 and Libre 741 Page 323
Product: Checking or savings account

Navy federal would charge me fees for money I thought was available because it posted but in the back end it wasnt there so thinking that I had money in my account I would spend it and I would be charged additional fees and over draft fees
Product: Mortgage

In XXXX of this year Chase withdrew money from my escrow account to pay my property taxes. However, they also withdrew money to pay for another property that I do not own or has any connection with me or my account. 

This left me in an escrow shortage and they have adjusted my monthly payment to reflect this as well. I called to explain their mistake, and they took two weeks but finally managed to remove the incorrect parcel from my account. 

However, they are not refunding the erroneous tax payment they made from my escrow account and are instead " waiting '' for the local municipality to refund the money. 

From my perspective, Chase, without my immediate knowledge or permission has misappropriated funds from my escrow account and now I am stuck footing the bill until they get the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account Sunrise Credit Services, which you claim theres a collection account that I have with you ). This is 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 and 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 you 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 {$2000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL 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 organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made my regular payment through XXXX to TJ Maxx Credit Card. I always pay balance in full. I accidentally put in two additional zeros  in payment. The balance was {$930.00} and entered {$93000.00}. I made the same mistake once before on another credit card and it was no problem. TJ Maxx accused me of not having intention to pay credit card. No one would even talk to me about it. They just kept saying your account is closed. If they would have looked at my records, i have always paid my balance in full. I have great credit rating and am afraid they might ruin it by their accusations. The XXXX  site reversed the transaction and then I paid the balance in full but TJ Maxx still closed account and said I am a high risk. I had purchased a lot of things in both TJ Maxx and XXXX during the holidays as I send gifts to nursing home residents, and women who I know are trying to go back to work and gifts for homeless. I am just outraged that they have accused me of this. My credit score is over 700. I have never had anyone accuse me of not paying bills, etc. and I am not a high risk. Anyone who had any sense would know that it was a mistake because of the amount of money. also, I paid balance in full on XX/XX/XXXX when I realized the problem. I feel I have been treated unfairly especially with the credit card record I have with them. No one will even discuss with me on phone. Last time I tried was XX/XX/XXXX. I do not want them to in any way hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed an assessment for a background check yesterday, XX/XX/XXXX, for a job I applied for at XXXX. I received an email from First Advantage this morning regarding the results of the background check. In the report, was a criminal record from NC in XXXX, which I never was there at that time. Also, the name is wrong. The first name is XXXX, which isnt my name. Also, it included my married name, but I wasnt married until XXXX, so the last name wouldnt have been that which is in the report from XXXX. I would like to have it removed from my report as it is not me and I dont want it affecting my future career endeavors. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my personal information on XXXX, Transunion, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft. My XXXX XXXX credit card account/card is lost/stolen : XXXX, this account is listed and showing on my Trans Union, XXXX and XXXX credit report as open. This account should be closed. The XXXX XXXX credit card account was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that are opened. I also saw several recent inquiries. Seems like the person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries are not mine. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$4900.00} XXXX XXXX {$1300.00} USDOE/XXXX  XXXX {$65000.00} US DEP ED XXXX {$25000.00} XXXX   XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX/XXXX  XXXX {$2700.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX XXXX XXXX XXXX {$22000.00}
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/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 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
Product: Debt collection

A debt collector keeps calling me, then immediately hanging up the phone and leaving a voicemail to call back before I ever answer the call. I have answered the phone and spoke with a woman who I do not remember her name, but I asked her what the debt was for, told her I was confused about the debt and she provided no further information for me and said she is only there to collect the money and can not provide any other information. I also have not received anything in the mail pertaining to this information. Lady was very rude to me on the phone when I kept asking her if she could give me any more details and also did not state to me that I could dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

A check of my credit report shows a {$70.00} collection from Credit Collection Services ( CCS ). On XXXX2017 I telephoned CCS to find out about it and it turns out that the original bill was XXXX XXXX on a policy that XXXX mistakenly auto-renewed after I had cancelled. This never should have billed in the first place.
Let me state clearly that I have never been notified of any debt owed or collection action by CCS. It was obvious that they did not have a telephone number nor an accurate address on file for me. This is clearly a case where I was not notified at any time prior to the negative item being placed on my credit.
I explained this to CCS and since the amount is so small, I suggested that even though I do not owe this money, I was willing to pay the {$70.00} if CCS provided me a letter stating that they would remove the negative item from my credit report upon full payment.
Even though I explicitly stated my willingness to pay a debt that I do not owe in order to get the negative item off my credit report, CCS was unwilling to discuss resolution. Even after requesting a supervisor, all they were interested in doing was obtaining my current address and phone number. I let them know that if they were unwilling to resolve the issue I would be filing complaints against them.
Due to their unwillingness to resolve an obviously clear mistake on their part, I now must go through the re-validation process ( this will take weeks or months ).
I explained that this negative item on my credit report is in error and requested that CCS validate the claim and remove the negative item from my credit report.
I request that they validate the debt is in error and immediately remove the negative item on my credit report. I was never notified of this collection issue. This is their account # XXXX on my credit in the amount of {$70.00}. It is my intention to file a complaint with the Attorney General of the State of Florida, the BBB as well as the actions afforded me under the FDCPA and FCRA.