23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received phone call, the caller first would not explain why they were calling and asked for personal information and family information. Caller became very aggressive and made threats of legal action. Caller made personal remarks about my family. Caller was degrading. Call was very one sided and accusatory. Calls have been made even since company was informed the debt was settled. Caller made comments as to my parenting and teaching my children to steal. Hung up when I requested to speak with a supervisor, refused to transfer me, or give supervisors name. This company is very unprofessional, the tactics that they use are threatening, abusive, rude, in violation of the fair debt collection act.
Product: Credit reporting or other personal consumer reports

Last month i submitted my fraud affidavit to the cfpb and it wasnt processed for whatever reason. Why are you doing this to me? I have been a victim of fraud and your just ignoring me.
Product: Checking or savings account

As I said, before I open my checking account in XX/XX/XXXX and may be eight months later Wellsfargo close my account saying that I had some type of fraudulent disposition in my account I appealed it and you all will send him back asking me about the check nobody never said nothing to me about no check me disclose my account and in XXXX they open my account sent me a letter to open my account {$500.00} I was XXXX XXXX XXXX then Im XXXX XXXX XXXX now Ive been with you all for nine years. You all just denied my claim asking me about the check! It was never A Check! Wellsfargo! Just Closed! you are never said nothing about no check! you know why you are close my account in XXXX like I said you are sent me a measley! ( {$500.00} )! 
That was not enough conversation and over the years since Ive been with you all this overdraft this overdraft is really terribly in the last year so I should be paid. I just had a situation where a somebody I didnt give permission and they told me! They were giving me {$190.00}! But I Only Received! ( {$130.00} ) Im A XXXX Citizen! XXXX Yrs XXXX Social Security! XXXX total ( {$930.00} ) Youve just denied me because you say something about a chick you are never said nothing about a check to say fraudulent activity close the account a year later gave me a measly {$500.00} and the last two years you are probably from overdraft.! Owes Me! XXXX knows how much.! 
I want to be compensated for the year that you all close my account saying something about some fraudulent. No I dont have no check to show you because you didnt ask me for now. Check you just close my account and for my overdraft so I should be compensated.At Least! ( {$2500.00} )! 
I should have been hearing back from you all on XX/XX/XXXX, but two weeks though you are denied it say, asked in about a check it wasnt about a check up you close my account for fraudulent activity youve been overdraft me! Lots If ( {$35.00} )! and messing up my money for! Last ( 18 ) Months! 
Overdraft Fees! I should be compensated for you all close in my checking account dont ask me but no check because all you all day it will see it fraudulent activity and the overdraft so I will continue to complain until I am compensated. Thank you.
Product: Vehicle loan or lease

One Main approved my title loan without inspecting the vehicle. Throughout the life of loan I couldn't pay it back, eventually my car got towed twice finally I gave up and now I still have an open balance and no car
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ) XXXX is hurting my credit. It's reporting 2 inquires on XX/XX/XXXX and XXXX, XXXX with XXXX XXXX for the same credit card application. I only applied once. 
XXXX XXXX XXXX XXXX XXXXXXXX is wrongfully reporting on XX/XX/XXXX an inquiry I didn't requested. 
XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX and XXXX XXXX XXXX XXXX account # XXXX are reporting that I was 30 days late in XX/XX/XXXX. That is incorrect. 
4 ) I tried multiple times to fix the problems that are hurting my credit with these companies without any luck. I'm asking you to please request them to delete the inquires and wrong information to clean up my credit report.
Product: Credit card or prepaid card

Discover demanded me to authorize them to obtain by tax returns from IRS, I have never heard that credit card institution or obtained consumers records from IRS.

I feel Discover had discriminated against me for being perfect customer and NEVER BEING LATE : I feel that credit card company had chosen this route accurately predicting that I would refuse.

I strongly feel that real reason for Discover discrimination against me is that 1. they owed me rewards money, 2. they were never able to charge me late fees or any other fees 3. they did not wanted pay rewards I earned 4. Discover breached their terms and Conditions and had chosen convoluted way to close my account and refuse me from their service also vindictively ruining my credit report.

I request Discover to confirm clearly 1. why they had chosen to discriminatively " update and maintain my records via IRS 2. remove adverse notes from my credit report as it adversely affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent and responded to XXXX XXXX XXXX XX/XX/23 to verify debt. They refuse to verify debt, this is not mine. I am a victim of identity theft and they have 3 accounts on my credit report they can not validate.
Product: Mortgage

l. Loan originated predatory based on the ethnicity. XXXX XXXX targeted for variable interest rate loans. 
2. Loan is over 30 years old with no delinquency on payment history yet the balance of the loan has not reduced as payments were made. 
3. Loan was sold to various servicing companies and several times it was requested to have the loan converted into a fixed rate mortgage. However due to appraisal value based on a predominately XXXX neighborhood was told the home did not have enough equity, We didn't want any equity back just a fixed rate. 
4. Now retired with less income and still never showed any delinquency in the payment history, Never was provided any options to adequately convert loan into a fixed rate to pay down the unpaid balance. We asked about the possibility of a short sale for the home. We considered just signing the deed back over to them and walk away but our credit would be affected. 
5. Original VA loan was serviced by XXXX XXXX. Other companies servicing the loan was XXXX XXXX, XXXX XXXX, Nationstar and now Mr. Cooper. We are not sure of the order of the companies, Last week after doing just a little investigation, we found out about a foreclosure that was found a then reversed but it was still in the court records. At no time were we ever delinquent on this loan. 
6. We need a breakout of how monies were applied toward outstanding balance and escrow balance. The lender 's name is Mr , Cooper Loan # XXXX XXXX The property address is XXXX XXXX XXXX XXXX NC XXXX Parcel # XXXX XXXX XXXX Please leave a message. XXXX cell XXXX
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Fraudulent Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I contacted my mortgage company, ocwen/phh and informed them I was having hard times and was going to miss payment. They said that I couldn't apply for a modification until 3 missed payments. I tried to pay after missing 3 payments ( to keep it from becoming more than 3 ) they wouldn't accept 1 payment, they needed all past due amounts, they then denied my modification for being more than 90 days behind.
Product: Checking or savings account

On XX/XX/23 around XXXXXXXX XXXX  someone went on Bank of Americas website and applied for an XXXX  account. Two emails were sent to me, one to verify my email address and the other to state that the account was declined. At first I thought it was spam, but then there was my credit score on the second email that alarmed me. I called the customer service number at BofA and spoke with four people. Two of them only found an old loan I had with the seven years ago. Then I was transferred to the fraud department and they found there was activity going on that morning. The person had my name, SSN, email address, and mailing address. They didnt have my phone number, but they gave a number. XXXX. I was instructed to call the credit bureaus to put a fraud alert on my account and to contact XXXX. I was told by a friend if BofA had approved that account, the person wouldve cashed it out, closed the account, and I wouldve been responsible for paying it back. Thats terrible. They did this online. Im so glad I caught it, and theres got to be a breach with someone I had business with in the past.
Product: Credit reporting or other personal consumer reports

The credit reporting agency funished debts that are paid and have not been validated or verified specifically account number XXXX by XXXX XXXX. And none of the hard inquiries have permissable purpose on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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.

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.
Product: Debt collection

I was left a message that said if i didn't answer the call from this unknown number after three attempts they would be contacting my payroll and HR department. I then called the number and they stated that I owed us bank approximately 1,700 dollars. I told them i knew nothing about this so they emailed me a affidavit for identity theft requesting all kinds of privy information from me and said I had 2 days to complete it. At this point I called them back to find out the companys name and address and proof that they owned this debt and they would not give me any more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw these companies have hard inquiries on my report that I did not apply for my identity was used to apply for credit the name of the companies are : one main financial. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, 2022 + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OR XXXX
Product: Debt collection

My wife and I got calls from I.Q. Data International on XX/XX/2018. We were called in regards to a fee we have with our former apartment complex ( XXXX XXXX  ) for the amount of {$1300.00} for breaking our lease earlier than expected. After the introduction and disclosure to attempt to record the call, the callers from I.Q. Data International went about collecting the entire sum. When I told them I don't have the entire sum, they said that this would negatively impact our credit scores, and that there was nothing we could about it, if we didn't pay the entire sum now. I told them, that if they needed to impact our scores, then fine. We didn't have the {$1300.00} at that very moment, but we could work out a payment plan and eventually even out that credit impact. They said no, and said that they took my unwillingness to pay the entire sum now as a rejection of my obligations and that they will move forward with legal action to obtain their funds. On top of that, their callers harassed my wife and berated her on the phone, while she was at work. She is XXXX XXXX and had a patient waiting for her, and they refused to let her go. Then I was called, and explained that I could work out an agreement, and that was the best we could do. The caller went on to say he didn't believe my wife and I don't have {$1300.00} dollars laying around to pay, since we make enough to pay. I told him I have other bills, plus the holiday season to worry about, and he got mouthy with me, stating " Do you think I don't pay my bill because of Black Friday? ". To which I replied, " I don't know you, how would I not what you do? ". This seemed to irate the clerk more and he said I needed to be more focused on meeting my adult obligations. The clerks that called were rude, spoke over us, didn't let us explain our side of the situation, refused to work with us on creating a payment plan, and even disrupted my wife 's work with sick patients so they can yell at her. This was unprofessional, rude, insulting, and demeaning. Finally, after the clerk hung up with me, he called my wife to threaten her with credit damaging and freezing assets until she paid. She gave over a credit card number under the force of threat. We want this fixed. We looked up this company online and they have hundreds and thousands of negative reviews, due to their customer service harassment techniques. Why are they still allowed to practice business? I will have that credit card payment blocked, as I refuse to be bullied and threatened into action. That is not how to work with me. They can contact us, when they are willing to work out a payment agreement, which I am more than willing to do. Or they can sell off our debt to another company with better service. I'm willing to pay my fees, I am not willing to be treated like a criminal for it. If you need further proof of my statement, please ask for the recording from our phone calls. The ones made to me were on XX/XX/2018 @ XXXX and then again at XXXX. My phone number is XXXX, my wife 's number is XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I took a look at my credit report and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. the collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$130.00}. The original creditor is XXXX XXXX XXXX, are not complete and accurate. This is not my account. 

They sent me investigation back and said everything is complete and accurate. I checked myaccount again and it's still not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I no knowledge of the information being reported on these accounts. Therefore, I hereby dispute the balance, high balance, past due amount, and the date opened as inaccurate. This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included these items that do not belongs to me Apparently, procedures have not been properly maintained to ensure maximum accuracy that is required by the FCRA. I was never served with any notice or disclosure before or after these accounts were reported negatively as required by FCRA & FACTA Sections 609 & 611. This alone requires deletion of the negative disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was transferred to XXXX XXXX in XX/XX/XXXX from XXXX. on XX/XX/XXXX, XXXX XXXX reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be returned!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XXXX XXXX, Acct Number XXXX, XXXX. {$5700.00} XXXX XXXX, Acct Number XXXX, XXXX. {$3000.00} XXXX XXXX, Acct Number XXXX, XXXX. {$2700.00} XXXX, Acct Number XXXX, XXXX. {$200.00} XXXX XXXX, Acct Number XXXX, XXXX. {$0.00} XXXX, Acct Number XXXX, XXXX. {$0.00} XXXX XXXX, Acct Number XXXX, XXXX. {$10000.00} XXXX, Acct Number XXXX, XXXX. {$910.00} XXXX, Acct Number XXXX, XXXX. {$0.00} XXXX, Acct Number XXXX, XXXX. {$0.00} XXXX XXXX, Acct Number XXXX, XXXX. {$5300.00} XXXX XXXX, Acct Number XXXX, XXXX. {$3000.00} XXXX XXXX, Acct Number XXXX, XXXX. {$480.00}
Product: Credit reporting or other personal consumer reports

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally. 
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).

A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act and XXXX XXXX, has violated my rights. 

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 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.