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

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that TranUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX  ( account number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 
I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account.
Product: Debt collection

Transworld reported a debt not belonging to them. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Providing a copy of my last statement is not enough evidence. 
The monies owed was paid to XXXX, the original creditor. Therefore, you should not be reporting this as a collection on my credit report. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Student loan

Dear Student Privacy Policy Office, I am writing to formally file a complaint regarding a potential violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). I have recently become aware that XXXX XXXX has had access to Department of Education ( DOE ) records, despite not being an official member of the government and without my authorization. This raises serious concerns about the unauthorized access and potential misuse of my private educational records. 

As a student at XXXX XXXX, I expect my educational records to be maintained in strict compliance with FERPA regulations. I am requesting a formal investigation into this matter and would appreciate clarification on whether my records have been accessed inappropriately. Additionally, given the severity of this breach, I am seeking relief for both my past and future student loans while this issue is being addressed. 

Please confirm receipt of this complaint and advise me on the next steps in the investigation process. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$14000.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XXXXXX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX Re : Account Number : XXXX Debt Amount : XXXX Dear Midland Credit Management I am writing in response to your communication dated XX/XX/year> regarding a debt you claim I owe. I am requesting that you provide full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. Verification of the debt, including the amount owed and the original creditors name.

2. A copy of any contract or agreement showing that I am legally obligated to pay this debt.

3. Proof that you are legally entitled to collect this debt.

4. Documentation of the complete payment history, including how you calculated what you say I owe.

5. The name and address of the original creditor, along with any account number associated with this debt.

According to the FDCPA, you must stop all collection activity until you provide sufficient evidence that validates this debt. Any further attempts to collect without such validation will be considered a violation of the FDCPA.

Please note that this letter is not a refusal to pay but a request for information. Once you provide the requested documents, I will review them and respond accordingly.

I also request that you refrain from contacting me via telephone. All future communications should be in writing to the address listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SCA COLLECTIONS XXXX Account number XXXX I was unaware of this debt prior to it being reported on my consumer credit report. 
15 U S Code 1681 section 602 A States I have a right to privacy.

15 U S Code 1681 Section 504 A Section 2 it also states consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debtOn or around XX/XX/XXXX - XXXX 2022 I received numerous calls at my place of employment. 

15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 
I have disputed this upon numerous occasions it has affected me receiving credit negatively because of the fraud alert placed on my XXXX Credit Report without my knowledge causing multiple denials and unintended inquires. ( See Attachment )
Product: Bank account or service

I am a XXXX who was looking for a job on my university 's job net and I came across a job that seemed legit. Therefore I applied for the job by sending my resume to the email on the page and I heard back from him two days later. He had my information from my resume and mailed me a check and told me to deposit it into my checking account and to let him know when the funds cleared. As a college student seeking a job to support myself, I went ahead and did so. However, something told me to go into TD location and speak with someone to see why the fund was taking so long to clear. They told me the check was fraudulent. That is when I reached out to the person and they began ignoring my calls. TD bank made {$100.00} available and I withdrew that. I was a new customer as of XX/XX/2017 so I was unaware that TD bank even did that. Due to this bounced check that this person sent to me I now owe TD Bank {$150.00} for an overdraft. However, when I opened this account I told the lady that worked with me that I wanted to be protected from overdrafts and she obviously was not listening and did otherwise. I filed a police report and spoke with district attorney and they both told me there is no reason why TD bank can not waive these fee 's and found it more inconsiderate that I am a student who is not working and can not afford to pay this fee. I went into a TD location on XX/XX/2017 and the teller told me I am still responsible so I went in again on XX/XX/2017 and the manager told me the same thing.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I called Capital One about my Capital One Spark business account to make a payment arrangement the manager approved my payment arrangement so after the manager approved it I had to call back because the company I work for was sending my check late so the representative that I spoke with in XXXX after talking to the manager I explained to him the manager had approved the payment arrangement but I was calling back because my check wouldn't be in by the date the payment arrangement was made so I asked him if it was okay to send it in the next week he said let me take a look and see he came back to the phone and said yes it's okay to pay the next week. Remind you the payment was submitted in the same month and was not 30 days past due and Capital One is making false late payment to my credit report and I have never been late since I have had a credit card with the company but to make a false report to the credit bureaus is wrong because it's making it seems like I can't pay my bill on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with 2 account and inquiries I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

CitiMortgage has committed egregious violation in servicing our former account. CitiMortgage ref uses to take responsibility for  3 f ailed attempts at modification. It is THEIR failure, we cooperated and met our obligations under agreements fully.      CitiMortgage  refuses to report this modification period as required in regulation to all major credit bureaus/ reporting agen cies. CitiMortgage offe rs a lawyered and morally deficient explanation for not responding.  CitiMortgage re fuses to respond any further than attached documents reflect . CitiMortgage  has done great harm to former clients. Clients have continually corresponded t o CitiMortgage f or redress. These practices must cease.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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
Product: Credit card

Date of disputed transaction : XX/XX/XXXX Amount {$99.00} XXXX XXXX Never heard from the merchant after signing up for a appointment for a prescription Filed dispute with synchrony bank on XX/XX/XXXX via fax Never got credit for this dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 



Remove the Inaccurate Accounts immediately the accounts doesnt belong to me : XXXXXXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX XXXX Account number XXXX, has violated my rights . 

Ive sent proof for 2 Years straight and XXXX and equifax is still reporting inaccurate accounts this is my final attempt to have accounts removed without hiring my attorney and filing lawsuits for damages and losses for the inaccurate accounts being reported on my credit profile.
Product: Credit reporting

I have a credit freeze with the bureaus due to extensive identity theft. I have no difficulty lifting my freeze with XXXX or XXXX, but no one is able to pull a lifted report from Equifax. I will receive written documentation and verbal confirmation from Equifax indicating the lift is in place, however anyone who attempts to pull credit receives the following message : " bureau error, no data to display '' with a numerical value of " XXXX ''. The companies attempting to pull credit have indicated the message regarding frozen credit should appear when frozen, and the numerical score should appear when the freeze has been lifted. None have confirmed receiving this message when an individual has a freeze in place. This message was received from Equifax, both when the credit was frozen, and the lift was in place. When I questioned this, Equifax indicated this is a normal message due to the freeze and should not appear when the lift is in place. When they are questioned why the message continues to appear when the lift is in place, each Equifax representative provides the same answer, " they ( company attempting to pull credit ) do n't know how to pull credit ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act XXXX account XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 

15 usc 1681 section 602 a states I have the right to privacy.

15 usc 1681 section 604 a also states a consumer reporting agency can not furnish your account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

History : * I traded my leased a XXXX XXXX XXXX  vehicle ( VIN XXXX, Leased from XXXX XXXX ) at XXXX XXXX of XXXX dealership on XX/XX/2023 XXXX 
* XXXX XXXX of XXXX cut a check to XXXX XXXX on XX/XX/2023 which was cleared on XX/XX/2023 * XXXXXXXX XXXX refused the payment to pay-off this lease XXXX XXXX and they cut a new check on XX/XX/2023 back to XXXX XXXX. 
* XXXXXXXX XXXX reported to credit bureaus as nonpayment on my part. 

Issue : * To resolve I paid off the vehicle out of my pocket Dated XX/XX/2023. 
* Now my account with XXXX XXXX is settled/fully paid but they are not reporting it back to created bureaus to restore my score. 
* Talked to XXXXXXXX XXXX customer support at XXXX. They do not report the settlement to credit bureaus. 
* Attaching letters from Payment history and Fully paid letter from XXXX XXXX
Product: Debt collection

I was alerted by XXXX that I had a received a negative mark due to a debt collector named Phoenix financial services, assigning a debt to me. I spoke to a phone rep from experience who let me know some general information. Representative let me know I would need to contact Phoenix Financial Services as they would decide if debt was valid. I asked what kind of debt it was and they told me it was a medical procedure. 
I then spoke to a phone representative from Phoenix financial services, and she seemed very sympathetic to my cause. She noted that there mustve been an error as the address of the debtor was different than mine his name is XXXX XXXX mine is XXXX XXXX and we share the same birthday I later found out. I was told to wait 30 days to see what final decision would be rendered. I received a letter from XXXX that Phoenix financial services had verified that the debt was mine, even though what they said over the phone to me was the exact opposite. I can provide verification from my employer that the date of the service rendered I was at work in a different city. It seems they are lazy and not doing due diligence in collecting debt from actual debtors.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX. I have been a victim of identity of since XXXX. Theyre stating that this account was open XX/XX/year> and that is impossible for me to endorse any signature or physically. Be there for this transaction as my family and I were XXXX overseas around this time on XXXX  orders.. 
Per the last statement, this company states that there were payments made to that account that may be true, but that did not come from me and that is not a form of validation because there was a payment made on account that its mine. Once again, Ive been going through this issue since XXXX. When we came back to the states we filed a police report because as we where purchasing a home thats how I found out this company had my information from the credit report pulled from our lender at the time.. 
At this time I will be forwarding this over to my attorney and also the detective that was assigned to the case at the time if he is still with XXXX XXXX sheriffs office. 
This issue needs to be resolved, and it needs to be properly investigated!!!
Product: Mortgage

I have lived in my home for 30 years and am in danger of losing it at auction due to the actions of my lender Caliber Loans. I have endured extraordinary hardship and have slowly rebuilt my life and situation. However, Caliber has refused to open a review of my current financial situation, has not assigned a case manager or dedicated contact and has told me the only options is to short sale or reinstate the loan in full, which is not possible. I do n't understand how they can refuse to even CONSIDER working with me or helping me or looking at my current financial situation, which has changed considerably since my last review. They received millions in bailout dollars, I thought they were supposed to look at my information and give me a chance. 

I refinanced into this loan in 2007. A little over a year later when my wife turned XXXX she decided to take off and go on the road as a XXXX, abandoning me and the kids. XXXX. There were long periods of unexplained absences and several months later I had divorce papers drafted. XXXX At that time I had been taking care of the kids and making the mortgage payment since she had deserted us six months earlier. However the police came and we went to court. I could not afford an Attorney and my wife was granted XXXX as well as control of the house. I was forced to leave the house and my kids and had to move into an apartment. My employer found out about the XXXX and I lost my job as well. I eventually found a job XXXX and had to XXXX in my spare time to sell it in order to keep myself fed. I obviously was not in a position to make the mortgage payment. 

During that time my wife never made the mortgage payment, and let the house, the lawn and the pool go. I started my own company doing right sizing -- I am brought in to save them money and have slowly built this up into a good income source. I fought the XXXX and was eventually able to get back into the house and was able to get wife out and divorce finalized. I tried to put my life back in order XXXX step at a time. I contacted XXXX to see what could be done and at XXXX point I was apparently offered an interest only modification. I found out about this after the fact, I did not see the paperwork until the offer had expired and I suspect that my ex wife who was still lurking around at that time had something to do with that. 

I have tried since then to re-engage with Caliber and have not made any progress. My business and income have continually increased and now my son who lives in the house is working as well and contributing his share. If Caliber were to actually take the time to review me for all retention options, something they are REQUIRED to do due to their acceptance of government bailout funds they would see that I fit into guidelines for assistance. Their continued refusal to even give me a seat at the negotiating table is outrageous.
Product: Debt collection

My husband has a debt with Conn 's Inc. ( Furniture and Appliance ). Due to financial hardship, he stopped making payments many months ago. However, and unfortunately, my husband died this XX/XX/2017. Since I told them that, the calls have not only been more recurring, but they are harassing me with charging off the account, whatever that means. They gave me a one day ultimatum to pay a settlement or they would do that, and right now, I have other things to worry about, like securing a financial stability for my kids. I already told them to not to call me until I speak to my lawyer, but it seems they have an urgency for me to pay the settlement they offered. My husband left no estate behind, as we owe the mortgage and our XXXX cars. What is troubling me is the harassment during this very difficult time of my life, when an unforeseen accident left me a widow at the age of XXXX.
Product: Credit reporting

In my most recent Transunion Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Transunion to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.