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

On today, XX/XX/XXXX, I received the notification from XXXX credit report stating that XXXX reported My Account status XXXX within XXXX days. 

I called Capitol One customer service department and spoke to representative XXXX on XX/XX/year> at XXXX XXXX and confirmed the The last reporting status was on XX/XX/XXXX showing the balance of {$15.00} and that they did not send XXXX an additional notification for XXXX. The representative confirmed that they ONLY report to Credit REPORTS once a month based on the customer bill cycle. 
I confirmed that my billing cycle is the XXXX of each month. Therefore another credit reporting should not report until XX/XX/XXXX!! The representative stated that this appears to be an error with XXXX however XXXX receives information from the creditor. 

There seems to be an error on both sides and it needs to be corrected immediately. My credit card balance should not be getting reported twice within a XXXX day timeframe. I checked my other credit reports and it is showing correctly. 

My XXXX credit report should reflect my billing statement! 

Please view attached documents.
Product: Checking or savings account

My husband recently died and I was listed as POD on this account. I had previously signed a signature card at a local branch for this account and I thought I could just draw from the account. The account was frozen by the bank and when I received the Death Certificate I took the copy to a local branch expecting to receive the funds. I have been informed that the Estate Department has to release the funds and it has now been over five weeks and I seem to be no closer to receiving the money. I was told by a manager from the branch bank last week that the situation could be expedited so I called the Estate Department and was told that I should receive a XXXX tracking number in 2 to 3 days. That timeframe has passed and the Case Manager assigned to the case states that it may still be another 4 to 5 days to receive a tracking number and another 2 to 3 to receive the funds. I have tried to call the local branch a few times and no one answers the phone. I seem to keep getting different answers depending on the person I talk to and am getting nowhere or closer to a resolution for this. My husband was a hard working man and I just want the money I am due that he worked so hard for. This bank absolutely does not care about its customers and this should not be allowed to happen.
Product: Mortgage

On XX/XX/XXXX, via US Postal Service, we received a Payoff Statement from Select Portfolio Servicing , Inc. ( SPS , Inc. ) dated XX/XX/XXXX with an incorrect payoff balance. SPS, Inc. indicated on this Payoff Statement that the unpaid principal balance was {$180000.00} and the payoff balance was {$200000.00} with an expiry date of XX/XX/XXXX. 

SPS Inc. 's reported unpaid principal balance of {$180000.00} on their Payoff Statement was incorrect which made the reported payoff balance grossly inaccurate. This meant that SPS , Inc. 's Payoff Statement was in violation of section 12 C.F.R 1026.36 ( c ) ( 3 ), and their reported unpaid principal balance was a covered error under section 12 C.F.R 1024.35 ( b ) ( 6 ). 

According to the agreements between us, and to which the company has a fiduciary obligation, the correct unpaid principal balance on XX/XX/XXXX was {$91000.00}. 

This correct unpaid principal balance of {$91000.00} was determined from and and is supported by the following evidence, which is overwhelming : Loan Agreement and Deed of Trust between us and the company and by the loan servicer transfer from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
Loan Amortization Table from SPS, Inc. dated XX/XX/XXXX, Loan origination and maturity data from all SPS, Inc. 's published monthly statements, and SPS , Inc. 's published on-line customer dashboard and payment history reports Furthermore, SPS, Inc. 's incorrectly reported unpaid principal balance of {$180000.00} on their payoff statement corresponded to the balance recorded on the Loan Amortization Table for XX/XX/XXXX, and not the balance corresponding to XX/XX/XXXX, which was the date that SPS, Inc. generated their incorrect payoff statement. 

In other words, SPS, Inc. 's incorrectly reported unpaid principal balance of {$180000.00} on their payoff statement corresponds to the loans unpaid principal balance when the XX/XX/XXXX installment was applied, which was 24 months ago, and not the correct unpaid principal balance of {$91000.00} on XX/XX/XXXX when they generated the payoff statement. 

Therefore, SPS, Inc. 's payoff statement is in error under section 12 C.F.R 1024.35 ( b ) ( 6 ) and is in violation of section 12 C.F.R 1026.36 ( c ) ( 3 ).
Product: Debt collection

I paid a debt with XXXX XXXX water utilities in 2018 in the amount of {$220.00}. XXXX XXXX XXXX XXXX verified and sent verification of payment to all 3 bureau 's. XXXX and XXXX honored my dispute. When I went to Transunion to dispute the report, Transunion denied my request on more then 4 different disputes. In fact they replied that the report was in fact my debt. They did not verify or investigate my payment which is paid in full. I also was denied other credit opportunities because of a wrongful accusation. Please reach out to XXXX XXXX XXXX or contact me for any more details I would really appreciate your help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken. I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX, there are multiple unauthorized inquiries and derogatory/collection accounts reported to my credit. Here are the following ; as of XXXX there is a collection that is derogatory of {$0.00} reporting to my credit from XXXX XXXX XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX there is an unauthorized inquiry for a loan reporting to my credit XXXX XXXX original creditor XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan to my credit from XXXX XXXX XXXX original creditor is XXXX XXXXXXXX. Multiple attempts have been made for removal. As XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX original creditor is XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX, there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXXXXXX original creditor is XXXX XXXX XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX an unauthorized inquiry was made for an auto loan from XXXX XXXX XXXX original creditor is XXXX XXXX XXXX. Multiple attempts have been made for removal. As of XX/XX/XXXX there is an unauthorized inquiry made for an auto loan from XXXX. Multiple attempts for removal have been made. As of XX/XX/XXXX there is an unauthorized inquiry for an auto loan from XXXX XXXX XXXX. Multiple attempts have been made for removal.
Product: Credit card

On XX/XX/ I ordered fruits from a farmer using an announcement or advertising in XXXX. A few days passed ( XXXX ) and no delivery of fruits then I go to my bank application ( Axos Bank ) and blocked my Debit card and check my statement, still processing it, and send a fraudulent transaction to the bank account. Then reading the transaction shows a company named " XXXX XXXX' dealing in households merchandise as the payee of my purchase of fruits. Immediately I claimed as fraudulent transaction and still processing the transaction. I wrote an email to XXXX requesting more information about the transaction resulting in blocking my email as today denying me the access and information requested. No products or fruit delivered at all. XXXX charge {$20.00} for nothings. My bank Axos keeps demanding to resolve the issue with the vendor but I am keep telling I couldn't find a way to contact the vendor. 
I am a.client of the bank for 13 years
Product: Credit reporting or other personal consumer reports

I reviewed my credit profile on XX/XX/2024 and I noticed inquiries I do not recognize. I also noticed personal information that doesnt belong to me.
Product: Debt collection

The account for the debt in question was closed on XX/XX/XXXX and has been closed since then. I went to the address of the original creditor and I received a customer receipt for the rightful return of the original creditor 's equipment on XX/XX/XXXX. For some reason, even though the debt was settled with the original creditor, and account was closed, my account was sent to collections ( MRS BPO ) on XX/XX/XXXX and appeared so on my credit report on XX/XX/XXXX. I was forced to dispute this false information on the same day. I provided proof of my receipt, closed account and, settled debt ( via picture ) to XXXX. On XX/XX/XXXX, I won my dispute, and XXXX  confirmed that the account was indeed closed, and settled. The collection was removed from my report that same day, and of course my score went up significantly. On XX/XX/XXXX they reappeared on my XXXX credit report and my score shot down significantly. Once again, I was forced to dispute FALSE INFORMATION, coming from MRS . This time, it was NOT as simple for me to dispute as XXXX  was previously. XXXX, for some odd reason does not allow consumers to send in pictures or information regarding proof of closed account, settlement or paid debt. There is no option for it. I must mention that I truly believe MRS knows this, which is why they WAITED 2 whole weeks to double back and re-file the collection with XXXX. So it was a bit harder to prove to XXXX  that this debt was settled and closed because I wasn't able to send in additional documents. I provided the same infomation to XXXX, that I provided to XXXX, minus the documented receipt. I am being constantly messaged by MRS about this debt, it is very annoying. I actually received a message from MRS right before typing this up. I spoke with XXXX  yesterday, XX/XX/XXXX to follow up on the status of my dispute, expecting good news. Instead I was told that the collection account was valid and that MRS provided adequate information. When I asked if I was able to submit any further information about the dispute ( ie. proof, documents ) I was told that I lost the dispute and that they could receive no further information on this dispute. I dont want to have to live with this FALSE {$90.00} collection on my report for 7 years ... I was told that I would have to contact MRS , and hope that out of the " kindness of their hearts '' that they'd ask for the collection to be deleted by the bureaus since the collection was re-filed somehow. I have been greatly inconvenienced by everything involving MRS and this situation.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed 1 Account that I am unaware of, and believe to be fraudulently made by the following companies : Account : 1. XXXX XXXX XXXX XXXX XXXX XXXX ) /XXXX  XXXX When looking at XXXX, this company is not reporting to them any longer. Why is this being reported in Equifax? And it was fairly recently that this was reported. This is fraudulent, inaccurate, and a violation of my rights. There has been no contact from XXXX or XXXX XXXX XXXX to collect on this loan. I've contacted XXXX multiple times and they do not have this account. I've contacted XXXX XXXX XXXX and they do not answer either. So I can not verify this account or resolve this. 

I've asked before if XXXX XXXX XXXX XXXX XXXX that they own this loan since I gave no permission for my personal information to be given to any company. And I've received nothing. 

I have reached out to the US Department of Education and they do not have records of this account, nor do they keep records of private student loans. 

I request that Equifax and XXXX show how they verified this account. 
Are they verifying this from the guarantor? 
In XXXX they are not reporting, so how are they reporting here? 
Who is the guarantor of this loan and can they provide proof? 
Why does the report date show XXXX of XXXX  and not the XXXX  date of XXXX? 

There are several inaccuracies compared to the account under XXXX. If this account is not being accurately or fairly reported, I request this account be removed as this is a violation of my rights. 

I have attached what is being shown in my credit report. And have sent a letter to Equifax. Page 3 of the attached document shows the inaccuracies of the last report date and that the account is still reporting whereas with XXXX it is not.
Product: Credit reporting or other personal consumer reports

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. 

Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. 

These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. 

Neither XXXX, XXXX, XXXX, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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. 

Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX on XXXX XXXX as this was an account that was included in my bankruptcy. XXXX sold this to the collection agency after I had already had a XXXX collection agency removed in XX/XX/2020. This is not owed. I have disputed with XXXX and both collection agencies and they still reported it.
Product: Debt collection

They contacted my mother stating they needed to locate me to serve legal documents. They left a phone number with her that I called back. XX/XX/year> When I called the number they stated they were a law firm specializing in debt collection? " XXXX, XXXX and XXXX '' spoke with a XXXX who began telling me that a civil litagation was being brought up against me from US Bank for malicious intent to defraud and stated that I will have to pay them upwards of {$3000.00} plus extra for taking so long to respond to them. They stated it was from XXXX, XXXX  which I moved away from there over XXXX AGO. I asked for clarification and she began to threaten to garnish my wages and add additional fines and fees to this process. she then stated that she was just a mediator and told me to respond to the court documents that i would be served with in the next few days. She didnt have my current address to serve such papers. I called her back to get more information and she couldnt tell me anything. No dates or names or even who they were specifically. When asked again for clarification she hung up on me. I called right back only to be put on hold for XXXX then my call was somehow merged with another clients phone call who was also being scammed by these people. The other client was raging mad and yelling at me as if I was the one who called them. I explained to them that I was also being contacted by these people for some shady business and then i ended the call. They refuse to answer my calls now and have threatened to sue me, threatened to take money from me and threatened me with jail time and more fines if I dont respond to their " case action '' against me.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking, and the information listed below on my credit report is a result of that XXXX : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.
Product: Credit reporting or other personal consumer reports

Consumer name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report, Ive attached a list of hard inquires in question as well as a copay 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 results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Debt collection

Cease and desist. I demand that you immediately cease and desist from texting, calling, emailing and harassing my family members. Your actions are unlawful and have caused, and continue to cause, harm to [ me/my business ]. 

I have a voice message left on my relative phone where someone disclose inaccurate information concerning me. 
Your actions constitute a violation of If this unlawful behavior does not stop immediately, I will be forced to take legal action to protect my rights, including but not limited to seeking monetary damages, injunctive relief, and attorney 's fees.

I hereby demand. No Waiver of Rights This letter does not constitute a waiver of any rights, remedies, or defenses that I may have in this matter, all of which are expressly reserved.

Failure to comply with this demand may result in legal action being initiated against you without further notice. 

Please be advised that this letter is not intended to be a complete or exhaustive statement of the facts or applicable law and is provided without prejudice to my rights and remedies, all of which are expressly reserved.
Product: Student loan

This complaint is being made against FedLoan Servicing/U.S. Department of Education/Pennsylvania Higher Education Assistance Agency ( hereinafter collectively referred to as " FedLoan '' ). 

I submitted a check to FedLoan in the amount of {$9300.00}, which was cashed on XX/XX/19. Said  check was sent in an envelope with an accompanying note that explicitly stated how the payment was to be allocated between my nine outstanding loans. Specifically, the payment in question was to pay off the balance of three of my nine outstanding loans. These three loans were chosen because they have a substantially higher interest rates than the other six loans. Additionally, I wrote instructions on the physical check stating that payment was to be allocated between " Loans 1, 3 & 5 '' ( please see attached PDF file ).

FedLoan disregarded both the instructions on the physical check as well as the instructions on the physical check and proceeded to allocate my {$9300.00} payment in a random fashion to all nine of my outstanding loans. If this mistake is not remedied, FedLoan has effectively stolen hundreds of dollars from me by negligently applying this payment to my other six loans with far lower interest  rates. 

I contacted FedLoan by email on XX/XX/19 requesting that this issue be remedied but, to date, FedLoan has not responded.