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

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 
XXXX and XXXX are not maintaining reasonable procedures. Also 12 CF {$1000.00} states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have violated my rights according to 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 : 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. Because Transunion and XXXX show totally different information and the dates, amounts and reporting information is inaccurate. The following shows the inaccuracies. This needs to be removed immediately. 

Date Opened XX/XX/XXXX XX/XX/XXXX Balance : {$43000.00} {$43000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$38000.00} {$38000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$6000.00} {$5300.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Variable rate Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX See above Complaint.  Please note that on XX/XX/XXXX, The Judge signed " Order to Foreclose '' on my legally homestead property. The Judge did not review any of my evidence that was submitted during that hearing. The XXXX Master Participating Trust, XXXX XXXX, XXXX. Trustee and Caliber Home Loans,  Inc. sent letters in XX/XX/XXXX through XX/XX/XXXX notifying that XXXX XXXX would no longer be the owner or servicers. 

The Instrument filed to record the transfer and assignment date XX/XX/XXXX is not recorded correctly on XX/XX/XXXX. 
I will upload the next complaint in which it shows they paid a fine and class action regarding the 2 class actions brought against them. They have modified payments and contracts without my signature and/or approval.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX. Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Student loan

I've had a federal student loan since XXXX, when I graduated. First with XXXX XXXX, who was bought out by XXXX in XXXX, which is when I began the income based repayment plan. In XXXX, I switched to Fed Loan Servicing. I was told that I would not loose the years I'd put into the income based plan since XXXX. I was given mis information ( I would say I was lied to, given the fact that I specifically asked whether I would be keeping the years I had on the payment plan. 

In addition, I never received a letter describing the plan that I'd agreed to at the time, which I was told today that I should have received. 

I am now being told by Fed Loan Servicing that the years I was on income based with XXXX XXXX XXXX were wiped out when I consolidated with Fed Loan Servicing in XXXX. 

I consolidated because I was told I'd get a better rate, and be able to stay on the federal income driven plan ... why would I have agreed to lose 6 years. 

I am beyond frustrated with the lack of ethics, and disregard for educators, who have served our children for decades!!! 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

To my disbelief, I found incorrect accounts on my credit report tonight, and I dont understand how they appeared. I review my credit report often, but this time, I saw errors out of nowhere. I tried refreshing my browser, hoping it was a technical issue, but nothing changed. Im requesting a full check of the documents I provided so I can stop stressing about this.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I'm feeling frustrated because my credit report has inaccuracies and incomplete information. Despite my efforts to correct these issues, they are consistently overlooked, resulting in an unfair impact on my credit score.
Product: Consumer Loan

I am currently 2 weeks behind on my loan with ( insta loan ) the day after i had missed my due date, they have continued to call me every single day, non stop sometimes 3 times a day. now it 's got to the point where they have came by my house and left a letter. this is getting out of hand. I told them i would pay them when i get some money up, and i had also spoke to the manager last time i went in about his employees being very rude on the phone.
Product: Debt collection

Credit Collector Name and Address AmSher Collection Services , Inc XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX On Thursday XXXX, 2024 at XXXX am  I made a phone call out to AmSher Collection Services, requesting a Debt Validation Letter to be sent out. I spoke to XXXX, who is a represent for the collection agency that holds my T-Mobile account. Without me giving XXXX any of my information she was able to verify my name, address, date of birth and the debt I was calling about and the amount owed. I found it odd! XXXX was speaking so fast that I had to ask her to repeat herself XXXX different times. XXXX proceed with how would you like to pay this debt ( by credit card, debit, or check ). I told XXXX, neither that I do plan to resolve the matter however I would like to get a Debt Validation Letter sent to me. That is when XXXX started being rude and unprofessional with speaking fast and raising her voice, telling me they have reach out several times and they sent me a letter out already. Just to remind you this was all on a recorded line that they disclose at the beginning of the call. I tried to explain I have not received a letter but I did receive a notification a week ago from XXXX that XXXX sent me to collection. XXXX was not trying to hear what I was saying. I repreat it myself again requesting a XXXX XXXX XXXX. XXXX then disconnected the call. I was shocked at her behavior. I then called back to AmSher Collection Services and spoke with the operator. I explained to her what happen with this representative and she extended her apologies for his behavior and offered to put me with another representative. I am now on the phone with the representative XXXX. She confirmed her spill that were on a recorded line to attempt to collect a debt. She also proceeded to ask how I would like to pay my balance of {$120.00}. I explained to her I would like to request a Debt Validation Letter. She proceeded to tell me that I just spoke with another representative. I told her yes I did however, if you listen to that recorded conversation you will hear unprofessional she was speaking to me and disconnected the call. All I am asking for is a Debt Validation Letter for my records. She told me to go to AmSher website to get a Debt Validation Letter. 

I am writing this letter as a complaint on how these XXXX representatives represent the AmSher company by being rude, unprofessional, and disrespectful behavior to the consumer. No one should ever be treated in such a manner as these individual did to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts reporting on my Equifax and XXXX   credit report that dont belong to me XXXX has the right information they are not reporting it i can show screen shots
Product: Credit reporting or other personal consumer reports

Its been frustrating dealing with the consequences of unauthorized inquiries from your company on my credit report. Theyre dragging down my credit score and affecting my financial opportunities.
Product: Student loan

I have been paying off my loan for over 4 years. The initial disbersement was at {$20000.00} with 10.64 interest rate in XXXX of XXXX, I occurred {$4000.00} of interest from the before making my first payment in XXXX, Ive been paying $ 325+ a  month which works out to more than {$15000.00}. The total amount I still owe on the loan is over {$17000.00}. I just spoke with a rep who said he would escalate the issue since the math doesnt work out. I have also been denied a co-signer release due to my credit score, but most of the money spent on my credit cards in collections was to pay off this exorbitant, overcharged loan.
Product: Mortgage

I started the process of filing for a Home Equity Loan with Bank of America on XX/XX/2022. At the time, their website and all information provided to me indicated that they would assign a processor to my application within 7-10 business days. Based on this, I signed the required disclosures, formally submitted my application and the process began. Bank of America made a hard inquiry on my credit report. Today, XX/XX/2022, I called Bank of America to follow-up on some forms that they sent me in the mail as I had questions on how to fill them out. It was at that time that it would actually take up to 8 weeks to assign someone to process my application. That is too long of a time frame for me. Had they been up front about this timeline, I would not have chosen them. However, since they have already made a hard inquiry on my credit report, I am kind of locked in with them. Other lenders actually made note of the hard inquiry on my credit report and they reached out to me asking if they could meet my home equity needs. However, since I already had a hard inquiry on my credit report from Bank of America, any further hard inquiries would diminish my ability to obtain a home equity loan, so I declined the other offers while I waited on Bank of America. 
Being told it will take 7-10 days in order to get someone to submit an application, locking them into the process, and then later telling them it will actually take 8 weeks is deceptive. It's bait and switch. I have a deadline I am working under for home improvements and 8 weeks is too long.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX all have incorrect SSNs, Names, addresses, phone numbers, accounts, public records, etc on my credit reports. This has affected my XXXX security clearance and jobs with the XXXX XXXX.
Product: Debt collection

I am writing to dispute the collection account listed on my credit report, which is under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I am requesting validation of the debt you are attempting to collect. 

Here are the specific details regarding the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting validation of this debt as per my rights under the FDCPA and FCRA. Please provide the following documentation : Verification of the debt, including the original creditor 's name and address.

Proof of your authorization to collect this debt.

Documentation showing the agreement between me and the original creditor regarding this debt. 
A complete payment history, detailing all transactions associated with this account. 
Any agreements or contracts pertinent to this debt. 
Please be aware that reporting unverified or inaccurate information to the credit bureaus violates the FCRA. If you can not provide substantial validation of this debt, I demand that you remove it from my credit report immediately. 

I expect a response within 30 days of the receipt of this letter, as required by the FCRA. Failure to provide adequate validation within this timeframe will result in further actions to protect my rights, including filing complaints with the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit card or prepaid card

I paid my XXXX XXXX  credit card by mail I sent the payment out on the XXXX of XXXX just like I have done for they past 15 years, never ever on this account I have had a late payment. This was my last payment to pay off card of XXXX, I received a bill for the first of XXXX and was accessed a late payment, I called the XXXX number and was told because of bankruptcy there was nothing they can do, now the XXXX of XXXX they have accessed me a second late fee, I called and now was told that they can only remove 1 late fee. This is a scam I was told can not waive on my first call, and now they will waive one, bottom line they just want XXXX dollar 's from me, there policy is to waive one late fee if you have never had any so they should have waived the first one when I called when they advised that they would not
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a billing error in the amount of {$130.00} on my account. The amount is inaccurate because I did not make this purchase. I am requesting that the error be corrected, that the late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be redacted from your reporting because I would not have been late on my payments if I was aware that a large transaction was made ( I did not budget for this fraudulent charge ) and I have contacted XXXX XXXX and requested reimbursement related to the disputed amount be credited as well, and that I receive an accurate statement. Enclosed are copies of my credit report, and credit card statements supporting my position. Please investigate this matter and correct the late payment reporting error as soon as possible. I have highlighted and numbered these disputed items on the attached copy.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX XXXX XXXX MY XXXX XXXX XXXX RECORDED CALL FROM XXXX AT XXXX WAS PROVIDED TO THE COLLECTION AGENCYXXXX PRINCE PARKER & ASSOC. IN DISPUTE OF A XXXX DOLLAR COLLECTION FROM XXXX. IN THE CALL, XXXX MAKES CLEAR THAT I AM NOT OBLIGATED TO PAY THIS. SHE SAYS : YOU WILL RECEIVE NOTICE CHARGE OF XXXX DOLLARS WILL BE AUTOMATICALLY CREDITED TO YOUR ACCOUNT, WE ARE GOING TO WAIVE IT FOR YOU, YOU DO NOT NEED TO WORRY ABOUT IT, TICKET NUMBER XXXX. PRINCE PARKER HAS THIS PROOF THAT I AM NOT OBLIGATED TO PAY THIS, BUT THEY REFUSE TO REMOVE THIS SLUR FROM MY CREDIT REPORT. TODAY, XX/XX/2022, I DISPUTED THE CHARGE AGAIN BY CALLING PRINCE PARKER WHO REFUSES TO DO ANYTHING MORE THAN KICK IT BACK TO XXXX. 

Recorded call XXXX  link ( video file ) available until XX/XX/XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reporting identity theft because I discovered unauthorized activity involving my personal information. specifically, Unauthorized charges a other issues. This activity came to my attention on XX/XX/year> when I discovered something on my credit report, contacted by a creditor, and received a bill. i have reason to believe this occurred due to data breach. I have noy authorized anyone to use my personal information, and I have taken immediate steps to secure my accounts and identity, such as contacting financial institutions and placing a fraud alert on my credit report. I requesting assistance in resolving this matter and preventing further misuse of my information.
Product: Checking or savings account

My debit card was stolen and transactions were made on my account without my knowledge for 90 days until I have noticed. I have reported my card as stolen the moment I became aware of it and disputed all the transactions involved totaling ~ {$3000.00}. During the process I found out PNC Bank gives their customers 60 days for disputes and a month worth of fraudulent transactions were not credited back. I have lost ~ {$800.00} because of that. Through my research I was able to find out 60 days is the minimum dispute time limit allowed by the government and while PNC chose to implement that, other banks in the area ( XXXX, XXXX XXXX, XXXX XXXX XXXX ) give their customers 90 days or more. The debit card is backed by XXXX and many of the transactions in question had gone through their payment platform. XXXX offers 120 days for disputes to their customers. XXXX representative told me over the phone they do not deal with this outside of reporting the card and issuing a new one and my financial institution is my only option. Escalating my problem within PNC allowed me to talk to some of the managers including my personal case manager and all of them follow their cold rules without exceptions. After telling my case manager about other banks offering 90 days I was told she doesn't care about what other banks do. Banks and XXXX make billions of dollars in net profit every year and refuse to do what is right for the hard working American citizen. They place the burden of what was essentially stolen from within their institution, without any wrongdoing on my part other than not being vigilant enough, onto me. The whole premise of a bank is to keep money safe.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

On around XX/XX/XXXX of 2020 I authorized unemployment to make a direct deposit to my PAYPAL Inc. Account in the amount of {$560.00}. PayPal accepted the deposit and then immediately froze my account and said they wished to longer do business with me. My account was " closed '' and they said that any balance on my account would be held for 180 days. I had used my account for various purchases from where I had deposited cash to my account. I've never had money deposited from anyone buying anything from me. So there would be no reason to hold my money for so long to allow a customer to dispute a purchase from me, since there never was one. The {$560.00} balance in my account is from my unemployment benifits, so obviously I need that money and have since XXXX. I have tried persistently to get in touch with PayPal and resolve this matter to no avail.