23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

At XXXX XXXX XX/XX/2020 I received a call from XXXX XXXX who began threatening me that his client would pursue actions against me if i did not work with him on resolving an account his company had purchased. I advised I had done no business with his company Superlative RM nor XXXX XXXX XXXX  and did not feel comfortable going forward due to the fact a business whom ive not conducted business with had all my personal info and was willing to devolve it to someone who answers a phone and no verification. Then Mr. XXXX got upset because i asked questions about who the company was he stated and said that I had no business with them. He became more aggressive and stated he will notate the account refusal to pay and threatened more actions were to follow. I asked for his contact info he rudely replied look at your caller id. The supervisor XXXX XXXX snatched the phone from the previous rep Mr. XXXX and too was very rude over talking me and stating he will just notate the account refusal to pay and nothing else needed to be said and told the rep XXXX hang up on her, disconnect the line ( several times ). This company has called numerous times a day and when answered they would hang up and not say anything. I had to get a new phone to stop the harassment but got the call today and someone actually spoke leading to the unruly attack on my credit and livelihood at this time.
Product: Student loan

You did not have options for the help I actually need. My loan was through XXXX XXXX XXXX of XXXX, Pa. a for profit school that is now shut down because it was bought out. I have loans that are paid off though seizing my yearly tax refunds. Due to COVID 19 and the Cares Act, I was supposed to get my refund of {$10000.00}. They couldnt take it for the offset. I filed XX/XX/XXXX which is within the time for the Cares Act. Its been 6 weeks. The IRS site said my refund was taken to pay off that debt but it cant be taken due to the Cares Act! Im trying to get ahold of someone and I cant. I am a single mother of XXXX and need that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been improperly reporting an account from XXXX XXXX XXXX XXXX  on my credit report for the past two months. TU reports it as delinquent with a current balance ; XXXX and XXXX   report it correctly. The account was included in my bankruptcy and discharged ( see attached complaint and documentation ). I called TransUnion multiple times, sent them letters, used their online dispute process to no avail. Please help. 

All information is in the attached documentation. Please call me at XXXX or email me at XXXX to confirm receipt and update me. 

Thank you!
Product: Checking or savings account

No action taken by PayPal. I requested that my account be locked down and accounts removed and they did not resulting in {$7500.00} more dollars to be debited out of my account after I spoke with them and they promised to lock down my account. They have allowed $ XXXX to he debited out of my account in 4 days of which they have done nothing about. They also closed a ticket I opened telling me the transactions were not fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a dispute regarding inaccurate information on my credit report, which I have previously brought to the attention of TransUnion on XX/XX/XXXX. Despite my initial contact, I have not received any response from TransUnion. The details of the inaccuracies and the necessary corrections are as follows : The account listed as " XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$100.00} ) was never late. I kindly request that TransUnion correct/update this inaccurate information on my credit report. 


The account listed as " XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$580.00} ) is not mine. I request that TransUnion remove this account from my credit report.
Product: Mortgage

Poor communication, a lack of responsiveness and mixed answers. 

Loan Application : XX/XX/2022. 
Appraisal Paid : XX/XX/2022. 
Loan Commitment : XX/XX/2022. 
Contract Original Closing Date : XX/XX/2022. 

XX/XX/2022 : Loan has still not even been submitted to underwriting for initial review. 

It has been more than 30 days since I applied for a mortgage, I have provided all requested documents in a timely manner and have been looking for answers day after day. Unanswered emails and calls are a habit for this company, they are neglecting the fact that contracts have timelines and putting my escrow deposit at risk. 

They have failed to act in a timely manner, treat me fairly and to provide accurate answers that every consumer deserves. I am tired of having to chase down information from this company.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately. Please remove this late payment because it's Inaccurate and pulling down my credit score!
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each erroneously reported item on my credit file.
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 consumers right to privacy. '' XXXX XXXX, Equifax 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 XXXX XXXX XXXX XXXX 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. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, Equifax 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, Equifax, XXXX or XXXX XXXX XXXX XXXX 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. '' XXXX XXXX XXXX XXXX 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 1681s2 ( 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 XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Notice for Proof of Claim Account : NCB MANAGEMENT SERVICES # XXXX ToWhom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign abilitybecause it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment ofdebts ( 3 ) The assignment was manifested by a written agreement separate from and inaddition to any document intended for the purpose of listing the account, bill, or other evidences of indebtedness with the collection agency. The written agreement shall state theeffective date of the assignment and the consideration paid or given, if any, for theassignment and shall expressly authorize the collection agency to refer the assignedaccount, bill, or other evidence of indebtedness to an attorney admitted to the practice oflaw in this state for the commencement of litigation. The written agreement also shalldisclose that the collection agency may consolidate, for purposes of filing an action, theassigned account, bill, or other evidence of indebtedness with those of other creditorsagainst an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned orCollected. Since this is an error I demand that you send me the following proofs. As you areobligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 XXXX g ), you have 30 days to supply these proofs, if moretime is needed please contact me by certified mail and I will extend you 15 extra days. I alsorequest to see a certified copy of any contract or agreement between you and the originalcreditor that gave you the right to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up Complaint to the previous CFPB I submitted requesting the correction on the misleading information the Credit Bureaus have been reporting on my Credit File. I previously requested that the Credit Bureaus investigate the account : XXXX  XXXX XXXX with account number XXXX  and date opened : XX/XX/2021 as I believe the information reported by the Credit Bureaus is not accurate and is misleading. In accordance with the Fair Credit Reporting Act, I have the right to request an investigation, free of charge, and have any accounts and information reporting unverified and erroneous information corrected. I am submitting this CFPB Complaint to make sure that the Credit Bureaus are doing their responsibilities as per my requests. I have never missed a single payment on this account and it make me wonder as to where did the Credit Bureaus get the information that I missed some payments on this account? I need the Credit Bureaus to rectify this error as soon as possible.
Product: Debt collection

Repeated calls from unknown individuals claiming to represent Tate & Kirlin Associates , Inc. regarding a debt. 

Several factors of these calls are extremely suspicious : 1. The caller 's telephone numbers are always local, XXXX area code, although this business is in Pennsylvania. 
2. They refuse to discuss what the call is in reference to, unless I divulge personal and confidential information.

3. When questioned as to their identity ( i.e., spelling of their name ( s ), etc. ), they hang up in my face!

4. On Friday, XX/XX/XXXX at approx. XXXX PST, I called their corporate headquarters at XXXX. When asked why my phone number was being called, the representative stated TWICE that there was no record of my phone number in their files. However, after approximately 10 minutes on the phone, the representative claimed to have " found '' my telephone number in another database. 

This business has been reported to CFPB, HUNDREDS of times, yet they are still operating. I would like to know WHAT steps CFPB is ACTIVELY taking to monitor, police and punish Tate & Kirlin Associates , Inc. for their suspect collection practices!! Allowing these type of " businesses '' to operate is fostering the culture of FRAUD/SCAMMING that is running rampant, currently, in the U.S.!!!
Product: Credit reporting or other personal consumer reports

SYNBC has ran my consumer report without my authorization on XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the federal credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.. 15 USC 1681 section 604A section 2 also says a consumer reporting agency can not furnish an account without my written instructions there 15 USC 1666 section b a creditor may not treat a payment on a credit card account under an open and consumer as late for any purpose.. I sent a hand written letter with all the negative accounts that are not mine.
Product: Credit reporting or other personal consumer reports

Send certified mail to XXXX, equifax and XXXX on XX/XX/year> I havent received anything email or via mail. My reports dont even reflect that everything is in dispute, that Ive disputed.

Equifax committed unfair acts or practices in violation of the Consumer Financial Protection Act My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Product: Credit card or prepaid card

On XX/XX/2021, I logged into my Chase Credit Card account and when I was presented with my multi-factor auth screen, there was a phone number ending in digits that are not mine, and of a phone number that is not on my account. I called Chase at XXXX Eastern , and I was told that it was probably added by the Chase technical team who sometimes needs to do this for testing, and that it would be removed but to give it a few hours. This is deeply concerning to me, especially with how pervasive SIM swapping has become. 

I am reaching out to them again as it has not yet been resolved. 

In an industry with multiple regulatory standards such as banking, I am trying to understand how someone on the backend team as described by customer support could possibly have entitlements in their systems that allow multi-factor auth to be updated with phone numbers not added or requested by the customer. There is no way to know how pervasive it is, but it certainly raises questions about internal best practices and is deeply concerning to me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Inquiry Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by the XXXX representative that I couldn't dispute this account anymore. And I was told by the Mortgage Servicer representative that the only way that I could dispute this account was through email or fax.
Product: Mortgage

I have been trying for almost 4 weeks to get a Reverse Mortgage thru Security One and the process is being held up because there is a lien release that was never processed by Chase. Security One has asked Chase on XXXX separate occasions. Twice they have claimed to have never gotten the request and the third time they said they can not locate the loan or it 's existence and need another 15 days for research. They have been asked all three time to rush this request.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX Balance {$610.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX Balance {$1800.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXX Balance {$730.00} XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance {$180.00} XXXXXXXX XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX************** Balance {$810.00} XXXX XXXX************** Balance {$490.00} XXXX XXXX Balance {$10000.00} XXXX XXXX Balance XXXX XXXX XXXXXXXX Balance {$730.00} XXXX XXXX XXXX Balance {$490.00} XXXX  XXXX XXXX XXXX {$810.00} XXXX XXXX GEORGIA XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX formerly XXXX ). I am requesting to REMOVE my credit freeze from my file. I am looking to buy a house and they can't pull my file because of the freeze/block/Fraud alert on my file. Please remove it at once. My SS XXXX XXXX XXXX and my DOB isXX/XX/1991. I have attached a utility bill, SS Card, and DL for proof of ID.
Product: Credit reporting or other personal consumer reports

I sent a letter off on XX/XX/2023 asking the credit bureaus to remove personal information that I did not want on my report. Here are my tracking numbers XXXX, XXXX, XXXX according XXXX15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Also15 U.S. Code 6802 - Obligations with respect to disclosures of personal information states that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information.
Product: Credit reporting or other personal consumer reports

Dispute Department : EXPERIAN LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA. 
If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account. 
The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report.

Account Information : Creditor Name XXXX XXXX Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 4 TIMES TO ACCOMMODATE MY ACCOUNT Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance with the FCRA. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Credit card account was opened online from a pre approval letter in the mail. I had no knowledge of the account and all monies have been paid from family member bank account.