23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have asked PDQ Services Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Key Bank is reporting that I have {$21000.00} in unpaid student loans on my credit report, and this information is not accurate. I have asked Key Bank to correct this for months, and gone through multiple disputes with the credit bureaus, still to no avail. Key Bank simply remains negligent by continuing to allow these accounts to report balances, which is a complete falsehood. The problem started back in 2018. My loans were in good standing, and I was making regular on-time payments every month. Then, out of the blue, Key Bank contacted me and said that I no longer had any balances due, and they would no longer would accept payments from me. Shortly thereafter, these loans started reporting as collection accounts with unpaid balances. Since this time, I've been trying to get Key Bank to correct their reporting error, but they continue to neglect their obligation. To help with your investigation, I am including correspondence from Key Bank, where they openly admit that I no longer have any balances owed to them for these student loans. However, they still haven't properly updated the accounts.
Product: Debt collection

I called on XX/XX/2018 to request the phone calls from this number to stop because I DO NOT HAVE DEBT. I have never had anything go to collections and I have an excellent credit history. I do not use credit cards to spend above my means. I do not have any loans that would warrant a debt collector to call.

My call was answered by a recorded message that directed me to visit www.PortfolioRecovery.com THIS IS A SCAM WEBSITE that asks for personal information including SSN.

Information warning others that the site is a scam can be found online.
Product: Credit card

Ive noticed that my Capital One credit card interest charges are nearly the same as my minimum payment, making it impossible to pay down my balanceeven when Im not using the card. Since most of my payment goes toward interest instead of the principal, my debt isnt decreasing. This cycle is keeping me stuck, and Id like to discuss options to lower my interest rate, waive fees, or explore a hardship program to help me pay off my balance more effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I sent a total payment of {$830.00} in full settlement of the amount reported to the credit bureaus. I noticed few weeks later that the collection agency reported receipt of {$750.00} contrary to the money order sent. I sent evidence of the payment to XXXX and Equifax credit reporting bureaus however, their conclusion did not change the negative report on my credit report. 

The collection agency reported to XXXX and Equifax that I still owe XXXX XXXX XXXX ( Original owner of the account ) {$87.00}. This is an abuse of customer right to fair report as full payment was made as full settlement. An amount of {$87.00} as still owed was reported by the collection agency to the credit bureaus. I have disputed this claim multiple times with XXXX and Equifax and nothing has changed despite compelling evidence submitted to the credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company sent me a letter in the mail stating that they would remove the inquiry in 30 days or so, 3 months later there has been to update. They agreed to code the inquiry as a soft inquiry yet it is still reporting as a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inquires that were not inquired by me. I have already called and disputed but yet I'm told called to police or file a FTC report. Why would I wasted tax dollars on unauthorized Inquires. I don't need to call the police for a dispute. As consumer I know my rights and Experian needs to follow the FCRA law when it comes to consumer credit. I've made FTC reports and yet they refuse to remove them from my credit report. This my third FTC and I also made my complaints with the XXXX as well. XXXX the following needs to be removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXby law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. These false verifications stating their information is accurate but yet I have not received nothing in the mail nor explain for the authorization for these inquires. This XXXX is getting on my last nerves. I will seek legal matters to sue. I'm tired of their false placement on my credit report
Product: Mortgage

Due to an illness ( XXXX XXXX XXXX ) and major sewer plumbing problems in the home in XX/XX/XXXX I got behind on payments. I notified the company and let them know I was having financial problems and I asked for a modification. The company denied my request. I put in for a second request for a modification through XXXX XXXX XXXX XXXX XXXX, XXXX who help me with financial payments. Now PennyMac Loan Service sold my loan to XXXX XXXX XXXX XXXX XXXX XXXX ( Creditor ) on XX/XX/XXXX. After PennyMac sold my loan it places my loan on hold with a dummy number through the new loan company XXXX. XXXX XXXX XXXX. ( XXXX ) while still paying PennyMac. Do n't want to lose my home from one company to the other due to not paying the new loan holder ( XXXX. XXXX XXXX XXXX. ). They sold my loan while I was in a 3-month trial with PennyMac modification and I was n't getting the total credit for payments. They said I had modifications trial base but did not take off anything, that is why I could n't clear the charges. I paid a total of {$9000.00} in late charges and payments while still paying mortgage. Bill was caught up to {$1300.00} remaining but due to interest charge, lawyers fees, and late charges. PennyMac would not and did not adjust my taxes on my home as I requested for base credit. ( My City and county taxes adds up to : {$1100.00} ) PennyMac is over charging me for my home taxes.
Product: Mortgage

I am desperate need of a loan modification and I was denied by Greentree XX/XX/2013. I am a XXXX year old widow and according to Greentree I was not offered a loan modification because my income was outside of the range by XXXX cents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit card

In XX/XX/XXXX Discover Card called my number several times claiming to alert me to identity theft. I also received a letter dated XX/XX/2016 stating that Federal Law requires them to verify and record all information that identifies each person who applies for credit. I did not apply for credit from Discover Card. Their letter required me to call their Fraud Department and suggested I notify the XXXX credit agencies. 

I called and asked for a copy of the application and I was told I had to " prove '' who I was by sending certain documents, including a police report of identity theft. All these I did. I also sent a letter dated XX/XX/2016. Still I did not receive the copy. I began calling asking for the report. I was told that it was " in archives ''. I asked why it would be in archives if we were currently working on it. I was told it would only take anywhere from 24 hours to two weeks to bring the document out of archives and send it to me. I called in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and talked to various individuals, all of whom told me the document was in archives and they would bring it out and send me a copy. 

On XX/XX/2016 I spoke with a supervisor, XXXX XXXX who once again told me the application was " in archives ''. I asked how that could be since I had been calling for two months. He said he would take care of it. But no. I called on XX/XX/XXXX, and was told one day. I call on XX/XX/XXXX, XX/XX/XXXX and talked to XXXX in Utah, XX/XX/XXXX talked to XXXX and finally was transferred to the " security department '' where I talked to XXXX, and was told that they " never received the documents. '' This makes me very concerned. Discover Card initiated the call and the letter and the fraud alert. Yet, its representatives have consistently given me the proverbial " run around. '' I believe that someone within the organization is perpetrating this scam, but I doubt that I will ever get to the bottom of this. 
I do not believe that in the entire nation I am the only person who has encountered this.
Product: Credit card or prepaid card

I have struggled getting copies of all signed transactions by me. They refuse to send me this evidence. I have not received any bills from Capital One for a very long time. I made them aware of a fraud situation and a XXXX XXXX case I have pending in the legal process. They ignore me, refuse to return calls, we also have many Language barriers. They seem to just want to continue damaging my credit every month. I work hard to be a good citizen, they refuse to communicate. This is fraud. I did not make these charges.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023 information on my account with XXXX XXXXXXXX is reporting late payments and it never was I would like it updated and removed from ever being late
Product: Checking or savings account

I WASN'T A CUSTOMER OF THE FINANCIAL INSTITUTION BUT SOME HOW ANOTHER BANK INSTITUTION TOOK OVER AND I STARTED GETTING INTO PROBLEMS THAT WASN'T ONLY MINE PROBLEMS. I AM A SENIOR CITIZEN AND ALSO A XXXX PERSON DUE THAT I AM XXXX XXXX XXXX XXXX XXXX  AND I MY ONLY WAYS OF CONTACTING IS THROUGH EMAILS, TEXTING AND WRITTEN MESSAGES, DUES TO THAT FACT, THE THIRD FINANCIAL INSTITUTION THAT SUPPOSEDLY TOOK OVER HAVE BEEN SERVICING THE CUSTOMERS ACCOUNTS AS JUST A FRONT OF THE REALLY AND REAL FINANCIAL INSTITUTION, THAT HAVE CREATED A HUGE PROBLEMS IN SIGNING DIRECT TO BANK, HAVE CREATED A DISCRIMINATION AGAINST THE TARGETED SENIORS CITIZENS AND PEOPLES WITH XXXX. MY ACCOUNT HAVE BEEN CONTINUES BLOCKED MONTHS BY MONTH AND IT HAVE BEEN VERY MUCH A PROBLEMS TO PAY {$24.00} DOLLARS AND MORES THAN THREE TIMES IN THE SAME WEEK TO GO IN PERSON TO THE BANK. THERE ARE AT LOTS OF CONSTITUTIONAL HUMANS RIGHTS VIOLATION AGAINST THE SENIORS CITIZENS AND THE DISABLES AMERICANS PEOPLES. 
THANK YOU
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 TransUnion I recently received a copy of my credit report and dont recall authorizing these below listed inquiries. Please remove these inquiries from my credit report immediately. If you find the inquiries referenced above to be valid, please send me a documentation showing that I indeed did authorize these inquiries or please delete. 



If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 



The FCRA states that the only permissible purpose for pulling someones credit is for : 1. Firm Offer of Credit 2. Insurance 3. Employment 4. Court Order The following credit inquiries are related to none of the aforementioned permissible and I am requesting them to be deleted : Inquiries, dispute_instruction XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The First mortgage on my home is held by ClearSpring Loan # XXXX in the amount of {$210000.00} Contact number XXXX The Second mortgage - Select Portfolio Servicing Loan # XXXX This is a Equity Line of Credit Refuse to work with me they are not the first mortgage. <P/>They say that I owe {$520000.00} I say I do not according to the documents that I have. Select Portfolio Servicing would not allow me to give a loan modification package of any kind for review for the Equity Line of Credit and the payments go up every month. <P/>They sent me a repayment plan for {$6700.00} never requested any financials or documents from me. When I did not accept the payment plan with a balloon payment at the end of {$470000.00} they put me into foreclosure with a pending sale date of XXXX XXXX, 2017 at XXXX XXXX. <P/>The foreclosure document Notice of sale states : Supreme Court County of XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee, on behalf of the Certificationholders of XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX, Plaintiff against XXXX XXXX XXXX, Defendant ( s )
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of credit accounts associated with XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the account status, date last active, and date opened, all of which are in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX XXXXXXXX to report my information, as required by 15 USC Code 602 ( a ). 
I kindly request your prompt intervention to rectify these issues by ensuring the swift removal of these erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.
Product: Payday loan, title loan, personal loan, or advance loan

someone used my info without my authorization to get a loan through Affirm, i have never done business with Affirm and i have fraud alerts on my credit report currently. 

I have filed a XXXX  report as well as an identity theft report. I have been the victim of fraud and i dont want an installment loan i never signed up for to affect my credit. i have literally perfect credit and im scared of what else someone could do using my info. 

this loan needs to be cancelled ASAP as its fraudulent
Product: Debt collection

I am hounded by Persolve legal debt collector agency XXXX. It's driving me up the XXXX wall. I do NOT have any outstanding debts and need these robocalls to STOP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, Fraudulent accounts are being listed and I believe these to be violating my personal report and I want them removed. i don't know who XXXX XXXX XXXX is but they don't even have a license to collect in my state so I'm confused as to why the are being listed on my stuff
Product: Credit reporting or other personal consumer reports

i have an account from XXXX ending in # XXXX that is not shown up on my consumer report ive sent in all theto the said credit reporting agency. 


THE FAIR CREDIT REPORTING ACT 623.

responsibilities of furnisher of information to consumer reporting agencies 68 Duty of furnishers of information to provide accurate information ( 2 ) duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate
Product: Mortgage

In XXXX I asked Wells Fargo to increase the time of my loan so they could lower my monthly payments I asked for an extra 15 years they added 40 years I did not agree to that so I have been paying a lot on interest instead of the principal I should have my house paid off in XXXX but now they said XXXX and then they sold my mortgage to XXXX XXXX with the same terms
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of trying to get a loan and I am getting denied. My account with federal student loans is showing I have missed over 120 days of payments from the months of XX/XX/2016-XX/XX/2016. At the time I had so much going on and did not pay close attention that even though I was a recent graduate that I had loans to repay. 


I am asking that you guys see that Ive always been in deferment. I am not finically stable to start paying right now. These loans have been so long ago and Im asking for forgiveness to remove some of these charges on my credit report.
Product: Credit card or prepaid card

On XX/XX/2021 I tried to redeem my membership rewards points to book a flight but that wasn't successful. I chatted with the customer service who informed me that my rewards account was put under review that same day and this process takes 4-6 weeks to be completed. It's been 6 weeks so, I chatted again with 2 different customer service representatives who both confirmed that there has been points acceleration done recently to my account and that I should be able to redeem my points now. I went ahead and tried to redeem my points for a flight reservation but still was unsuccessful and they charged my credit card even though I didn't authorize this ; I chose to pay with points in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with EQUIFAX to remove incorrect addresses from my credit report. The results of the dispute, dated XX/XX/2020 ( confirmation # XXXX ) were the addresses would be deleted. However, after viewing my report online ( XX/XX/2020 ) the  addresses are still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These XXXX accounts below I asked Equifax to verify these accounts on XX/XX/2022 and they still remains on my credit report. I am not understanding how these were verified when there were no information to contact the company that furnished the information. 
XXXX XXXX XXXX XXXX
Product: Debt collection

This account was open XX/XX/2020 This account was reported as collection orig creditor : Medical {$52.00} I have no contact information I would like to know what services I had to accrue {$52.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. CODE 6801. PROTECTION OF NONPUBLIC PERSONAL INFORMATION.I have NEVER GAVE XXXX XXXX XXXX EXPRESSED WRITEN PERMISSION TO COLLECT AND SHARE MY DATA, AND UNDER FALSE PRETENSES. DUE TO THE INFRINGEMENT AND BREACH OF MY RIGHT XXXX PRIVACY AND TO BE SAFE WITHIN MY PAPERS ACCORINDING TOTHE FOURTH AMENDMENT. THERE IS NO PERMISSIBLE PURPOSE PURSUANT TO 15 USC 1681, MY NON PUBLIC PERSONAL INFORMATION IS NOT TO BE SHARED BY EXPERIAN ALSO AS A THRID PARTY AFFILIATE. ANY INFORMATION OBTAINED AND WITHOUT MY AUTHORIZATION MUST BE DELETED OR BLOCKED. THE OBLIGATION HAS BE RELIEVED. CEASE AND DESIST ALL MEANS OF COLLECTIONS OF A DEBT. THE SELLING OF MY DATA FROM XXXX MANAGEMENT TO EXPERIAN IS AGGREGATED ID THEFT OVERALL. ANY INFO REPORTING FROM XXXX IS TO BLOCKED AND REMOVED PURSUANT TO FCRA, FDCPA AND FEDERAL LAW STATES HEREIN.15 U.S. Code 1681c2 - Block of information resulting from identity theft.