23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted this morning by an unknown firm that refused to identify itself and did not verify my identity before relaying private information. I was initially contacted by a number from a XXXX, CA number at XXXX. They told me that " police officers '' would be " arriving today to serve papers '' on me. I asked them what this was about and they told me to call XXXX with case # XXXX. I called that number and asked what was going on. The XXXX man who answered was belligerent and bullying when I asked him what this was about. Before I had even identified myself, he alleged that I " owed '' some unnamed phantom debt to XXXX that I had allegedly " used '' for " 5 '' years. He tried to imply that I wouldn't be able to get legal representation to assist in this matter. I tried several times to tell him that I had been a victim of identity theft but he aggressively overrode me and tried to continue threatening me. Fed up with not being able to get a word in XXXX, I informed him that his tactics were illegal and hung up.
Product: Credit reporting or other personal consumer reports

This is my third dispute concerning the inaccurate reporting of my XXXX XXXX XXXX ( Account No. XXXX ) account on my TransUnion credit report. Despite my previous attempts to resolve this issue, no proper resolution has been provided, and this ongoing error continues to misrepresent my creditworthiness. I have consistently paid this account on time, and this error significantly misrepresents my creditworthiness. TransUnion inaccurately marked it as LATE, whereas XXXX correctly shows no late payments. This ongoing discrepancy is unacceptable and constitutes clear violations of several federal laws, including 15 USC 1666b ( a ), which prohibits treating payments made within the agreed timeframe as late ; 15 USC 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy ; and 15 USC 1681s-2 ( b ), which mandates that furnishers of information investigate and correct inaccuracies after receiving a dispute notice. Moreover, this error breaches 15 USC 1681i ( a ), which obligates credit reporting agencies to conduct a timely and thorough reinvestigation of disputed information. The continued failure to resolve this issue, despite my previous disputes, shows a pattern of willful negligence as defined in 15 USC 1681n, which allows for damages of up to {$1000.00} per violation for willful noncompliance. Additionally, negligent noncompliance, as outlined in 15 USC 1681o, holds furnishers liable for actual damages sustained due to such inaccuracies. Furthermore, this issue violates 12 U.S.C. 5531, which mandates that consumer financial services must adhere to clear, fair, and transparent practices. This includes the accurate handling of disputes and reporting of credit information, which XXXX has failed to do. Additionally, 15 U.S.C. 1681g ( e ) applies, as it requires that credit reporting agencies provide proper documentation when fraudulent accounts are reported. XXXX failure to provide such documentation and correct the fraudulent account is a violation of this law. Furthermore, 15 U.S.C. 1681a ( q ) ( 3 ) underscores that the reporting of fraudulent accounts, as in my case, amounts to identity theft and must be properly addressed. The fact that this issue remains unresolved after multiple attempts is causing undue stress and harm to my credit score. As TransUnion has failed to accurately reflect my payment history, I demand an immediate correction to align with the accurate data reported by XXXX. Should this matter not be addressed promptly, as required by law, I will pursue further legal action to ensure my rights are upheld.
Product: Debt collection

Re : Notice of Intent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Act Violation Validation Letter sent to : XXXX XXXX To Whom It May Concern, Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above { XXXX XXXX }. I have received a response that clearly violates my rights according to HIPAA. { XXXX XXXX } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { XXXX XXXX XXXX XXXX and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations. You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry. I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

No knowledge of these hard inquiries, hard inquiries is a result of identity theft and must be removed within 4 business days 15 U.S code 1681 c-2
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX First National Bank XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXXXXXX, PA XXXX Dear First National Bank, Hello, my name is XXXX XXXX, and Im writing about a recent solicitation letter I received from your bank. Although my name is correctly listed as XXXX XXXX, the letter incorrectly lists my middle name as XXXX XXXX XXXX. Im requesting that you update your records with the accurate middle of XXXX XXXX XXXX. Additionally, I would like to opt out of receiving any future unsolicited correspondence and promotional materials at my residential address. Please add my name to your do-not-mail list. I would appreciate it if you could confirm my opt-out request in writing. I have no account with your bank, and I have attached a copy of the invalid solicitation letter for your reference. 


Thanks again,
Product: Debt collection

Portfolio Recovery contacted my mother on XX/XX/22 at XXXX pm. They told her they were a debt collector looking to obtain information regarding a debt and said they were looking for me. They also contacted my previous employer 3 times, 2 times after they had been asked not to.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXXL XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX,, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX,, a credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This company calls family members repeatedly threatens to call employment and has not sent written notice of any debt
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning incorrect employers and unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Credit reporting

I have inquiries on my credit report from identity theft. I 've had them removed from the companies but they reappeared. I 'm attaching documentation to show them being DELETED. I EXPECT them to be DELETED here as well.
Product: Credit reporting or other personal consumer reports

I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove it immediately
Product: Checking or savings account

I opened a checking account as soon as I got my first deposit, they held my funds and stated my account was under review. No other explanation or documentation as to why. In order to receive funds through an ATM, I had to call to get an approval each time but would only allow me to withdraw {$400.00} each time I informed them I would drive to a branch out of town to get my remaining balance. I arrived to the bank only to be informed that they close my account without giving me information as to why and mailed me a check even though in their notes, it says I would be going to a branch to get my funds
Product: Credit reporting or other personal consumer reports

I have tried multiple times to get a copy of credit report from all three bureaus by letter and over then phone. Bureaus continue to say that report will arrive within 7-10 business days and nothing comes in. I continue getting stall letters in the mail stating that bureaus are needing verification of identity. I have submitted copy of consular card, ITIN number and energy bill to verify address and identity. I have verified identity with these documents and they are not providing credit report. I have the right to a free copy of credit report by law.
Product: Credit reporting or other personal consumer reports

There are XXXX collection accounts on my Equifax Report that should have already come off. 

XXXX XXXX ending in XXXX had a date of first delinquency of XX/XX/XXXX ( removal on XXXX ) and Equifax will remove an account 30 days prior to retention date, which would have been XX/XX/XXXX. 
They are showing that the date of first delinquency was XX/XX/XXXX. That is inaccurate. That would mean that this is due to come off XX/XX/XXXX and with Equifax 's policy mentioned above, it will be removed XX/XX/XXXX. You may think this is not a big deal because that is in 26 days, but this should have already been off of my report. 

XXXX XXXX ending in XXXX had a date of first delinquency of XX/XX/XXXX ( removal on XX/XX/XXXX ) and Equifax will remove an account 30 days prior to retention date, which would have been XX/XX/XXXX. 
They are showing that the date of first delinquency was XX/XX/XXXX. That is inaccurate. That would mean that this is due to come off XX/XX/XXXX and with Equifax 's policy mentioned above, it will be removed XX/XX/XXXX. You may think this is not a big deal because that is in XXXX days, but this should have already been off of my report. 

I have called Equifax incessantly, spoken to multiple Supervisors, filed many disputes about these XXXX accounts & reached out to XXXX XXXX ... .to no avail. These XXXX accounts have already been removed off of my other credit reports. Equifax needs to remove these accounts from my credit report. Unfortunately 7 years ago, someone ruined my credit. I did my time... waited the 7 years and this company is playing games. 

In addition, I purchased this product called Equifax Complete, so I can see up-to-date information daily on my credit report and it provides credit scores for Equifax, XXXX & XXXX. Much to my surprise, my XXXX credit score is being reported on their website as XXXX, when in actuality it is XXXX, which I took a snapshot of XXXX minutes prior on XXXX 's website. Equifax is reporting inaccurate scores. I don't know my XXXX score yet, but Equifax is reporting it as XXXX, which can not be right because it has nothing bad on it and has same accounts as my XXXX account has. This needs to be rectified ASAP. These people can not just mess with people 's credit like this. 

* I'm not sure why my husband 's name is on this account. His email is XXXX. I will call you on Monday to rectify this. 

Thanks, XXXX XXXX
Product: Student loan

I was on social security XXXX since XXXX. In XXXX XXXX, I contacted Nelnet to have my student loan with XXXX discharged based on XXXX. It was approved. In the written terms, it states that my loan discharge depended on me not earning more than {$16000.00}. per year, which is the poverty limit in New York. In XXXX, I earned a little over {$17000.00}. I was employed and unemployed, as has been the pattern with my XXXX. I was also homeless, so I did not receive their notices to show my income. When i called them in XXXX, after they sent me an email, they told me that it was too late to show my income, and that the loan would be reinstated by XXXX. In XXXX, they told me it would not be XXXX, but Nelnet I repay. I am no longer on XXXX and I am unemployed. 

When I received the balance of my loan, the amount jumped from around {$30000.00}. when I applied for discharge to now over {$34000.00}. I was told today by Nelnet that it is because interest accrued since XXXX XXXX. I asked them how on earth can they validate charging me {$95.00}. per month interest during the time my loan was discharged? they said it is in the terms they sent me. I want to know if this is legal. I want to know if any of this is fair under loan laws and fair practice.
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. 
Account name : XXXX XXXX - XXXX XXXX # XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
Account name : XXXX - XXXX # XXXX XXXX XXXX XXXX. 
Account name : # XXXX XXXX # XXXX XXXX XXXX XXXX. 
Account name : # XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please REMOVE the accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX XX/XX/2018 Asset Amount : {$0.00}
Product: Credit reporting or other personal consumer reports

Hey, so there's this thing called FCRA XXXX, and it says if your credit stuff is wrong, it needs fixing. I'm not really sure what's happening, but can you check these papers? They're saying stuff on my credit report that's not right. It's making me feel super upset and kinda sick, so can you help make it all better?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts month after month and the 3 major bureaus investigation concluded that accounts has been verified. Verified by who, when, where. And where is the physical documentation of these findings. I'm requesting the Method Of Verification as my right via FCRA. The following accounts are ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, {$760.00}, ( 3 ) XXXX XXXX, {$150.00}, ( 4 ) XXXX XXXX, {$56.00}, ( 5 ) XXXX XXXX XXXX, {$510.00}, ( 6 ) XXXX  XXXX XXXX, {$32.00}, ( 7 ) XXXX XXXX XXXX, {$53.00}, ( 8 ) XXXX XXXX XXXX, {$29.00}
Product: Credit card

Dear Sir or Madam : In Re : Acct. # XXXXI would like to file a complaint with your agency against Syncb/Chevron for none-compliance with the Fair Credit Reporting Act ( FCRA ). I filed a dispute with XXXX for erroneous information being reported on my credit report by Syncb/Chevron. 

On XXXX XXXX, 2015, I sent a certified letter to Syncb/Chevron requesting an XXXX investigation in regard to an account that is pass the statue of limitations and that they needed to submit copies of statements upon request. They fail to comply with that request. 

On XXXX XXXX, 2015, I sent another certified demand letter requesting that they respond to my request ; and again they fail comply with that request. It is illegal for Syncb/Chevron to verified account information as accurate without doing an XXXX investigation for which I am entitle to by law. 

Thank you for what I hope will be your prompt attention to this matter. 

Very truly yours, XXXX XXXX
Product: Mortgage

Previously applied for loan modification thru XXXX XXXX XXXX due to co owner Mothers sudden transition. 
Followed all XXXX XXXX XXXX instructions XXXX XXXX XXXX suddenly started foreclosure during modification and would not permit borrower to submit payments Borrower contacted Consumer complaint which forced XXXX XXXX XXXX to launch exhaustive investigation. Recordings found because borrower had dates and times names. 
In the interim XXXX XXXX XXXX pursued foreclosures replete with foreclosure notices on door. 
Result was an apology letter from XXXX XXXX XXXX removing missed payments from credit reporting agencys and one mortgage payment made by them.

Next at inception of Covid cares act borrower contacted XXXX for three month deferral Cares act request on back end of loan It was approved via phone. 

However at this time borrower noticed maturity date was changed to a longer date. 
Borrower contacted XXXX XXXX XXXX executive offices. Borrower was told by representative maturity date was changed due to modification. Borrower explained to representative that a modification was never processed & agreed XXXX XXXX XXXX had no proof of signature about changed maturity date. 
Borrower explained to representative that an apology letter was granted. He cited he would follow up and did not. 

Next action that occurred was XXXX XXXX XXXX sold mortgage to SPS without informing borrower. 

Borrower found out when confirming payment and cares act deferral Borrower contacted SPS Told SPS about the maturity date error and the approval for cares act for deferral on back end of loan for three months Sps cited it would take months to discover and denied requests for Cares act approved by XXXX XXXX XXXX Borrower was impacted by Covid thus seeked assistance from other organisations. 
XXXX XXXX assisted with mortgage payments. 

Next incident was XX/XX/XXXX Borrower was told via call payment of over XXXX XXXX dollars was made and no mortgage was due until XX/XX/XXXX In the interim SPS sent borrower statements In XXXX & XXXX reflecting no payment due to XX/XX/XXXX. 

On XXXX XXXX borrower received letters from SPS citing SPS had made several attempts to contact borrower. The lettters were dated XX/XX/XXXX & XX/XX/XXXX. 
These letters were not true. 
These were first attempts The letters stated payments were past due and borrower had to XXXX XXXX to pay or foreclosure would start When borrower contacted SPS via phone was told by representative that SPS made errors and placed money on wrong account and borrower had to XXXX XXXX to pay all mortgages or foreclosure would occur This is not borrowers fault Please help
Product: Payday loan, title loan, or personal loan

I originally took out XXXX. I paid this down after the excessive rate. I was offered to refinance and take out more money. Upon taking out this loan I was told that the loan was short term. It appears that no matter how much I pay the loan amount continues to increase. I took out a loan around {$6900.00} around XXXX. I have paid maybe {$5000.00}. One main is stating that I still owe XXXX.