23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX  XXXX XXXX  : {$2500.00} ; XXXX XXXX  XXXX XXXX  : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2500.00} ; XXXX XXXX XXXX XXXX  XXXX {$950.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX  : {$410.00} ; XXXX  XXXX XXXX : {$100.00} ; XXXX  XXXX XXXX  : {$64.00}.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is emphasized that consumer reporting agencies have a duty to operate with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent. This right is further supported by 15 USC 6801, which asserts that financial institutions have an ongoing obligation to respect their customers ' privacy and protect the confidentiality of nonpublic personal information. The furnisher of information to credit agencies, being a financial institution as defined by this law, must adhere to this obligation.

Furthermore, 15 USC 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency may only furnish a consumer report with the consumer 's written instructions. nor the furnisher of information to credit agencies has my written consent to furnish my information. I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, and the furnisher of information to credit agencies. 

According to 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given a clear explanation of how to exercise the nondisclosure option. The furnisher of information to credit agencies has never informed me of my right to exercise this option. Additionally, 15 USC 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include adverse information in a consumer report if it is more than seven years old, except for records of criminal convictions. The account in question is an adverse item being reported without my permission, in violation of this law.

Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) states that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Under 15 USC 1681e, every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to authorized purposes. It is evident that XXXX and XXXX are failing to maintain these procedures. Finally, under 12 CFR 1016.7, a consumer has the right to opt out at any time, and I am exercising that right by opting out of your reporting services.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Product: Credit reporting 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.

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 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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

On XX/XX/2019, I sent a letter via facsimile to Sunrise Credit Services , Inc. in order to obtain written validation of the debt they are attempting to collect based upon a phone call I received from one of their employees and the derogatory information noted on my credit report. 

On XX/XX/2019, XXXX XXXX, an employee of Sunrise Credit Services , Inc. contacted me via telephone regarding this disputed debt, and I explained to XXXX XXXX that I sent a written request and I am waiting for her company to validate the debt. XXXX XXXX acknowledged that Sunrise Credit Services , Inc. had received my written request, and then stated that the company does not provide written validations only validations over the phone. XXXX XXXX then quickly placed me on hold and then stated that she would need to transfer me to her team leader. 

I was transferred to a XXXX XXXX who stated she was a team leader. I said to XXXX XXXX that I had sent a written validation request of the debt. She also acknowledged that my written request had been received, reviewed their files, and then stated that the company they are collecting the debt for has said that it is a valid debt. I asked XXXX XXXX when I could expect to receive the written validation to which she stated that her company does not provide written validation of debts. What she said over the phone is the validation of the debt. I then stated to XXXX XXXX, that I don't handle this type of business over the phone because I deal with paper, meaning I like to have written requests for my files. Because I refused to discuss the debt without having written validation of the debt, XXXX XXXX then stated that she will mark my file as refusing to pay the debt and ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just completed a chapter XXXX bankruptcy and it was discharged XXXX2017. The case was completed and is closed. XXXX are now reporting we have now filed a petition for a chapter XXXX and we have not. Our case is closed and no petition has been filed but they are reporting this incorrect information to Experian and wont updated it.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2008, I bought a time share with XXXX XXXX XXXX in XXXX, Fl. I paid off the time share. They invited me down and sold me an " ungrade, '' saying I had several days to cancel the deal. I sent a certified letter to cancel the deal. They refused the letter. They turned me over to collections. I agreed to return their deed in lieu of foreclosure. They were supposed to clear my credit report. To this day, seven years later, their negative report is still on my credit report. I feel they defrauded me, taking my paid off time share and refusing to cancel an up-grade deal. I want this off my credit report.
Product: Debt collection

A company called The Outsourcing Group continuously calls me and leaves threatening messages saying they are going to take legal action if I dont comply about a debt complaint put against me. This most recently happened today ( XX/XX/2019 ). I have no debts to my name and my credit is near perfect. They are lying and threatening me over something that does not exist and I want them to stop. Their number is XXXX. I have no account number with them because I dont have an actual debt.
Product: Debt collection

Subject : Cease and Desist Communication, Notice of Identity Theft, and Request for Debt Validation Dear Sir/Madam, My name is XXXX  XXXX XXXX a federally protected consumer. I'm filing this complaint to bring to your attention a matter of utmost concern regarding the alleged debt you claim I owe. This communication serves as a formal complaint, notice of identity theft, and a request for debt validation. 

First and foremost, I want to make it explicitly clear that I have never given Amsher Collection Services any permission to use or disclose any of my identifying information. It has come to my attention that you have been using my personal information, without my consent, to contact me about an alleged debt. This unauthorized use of my identifying information constitutes a severe violation of my privacy rights and is a clear case of identity theft. 

As a consumer protected by federal law, I am aware that the assignment of a defaulted note is illegal, as stated in Article 9. This implies that any purported assignment of the alleged debt to your agency is invalid and void. Consequently, both the assignee ( Amsher Collection Services ) and the assigned ( original creditor ) are liable for violations under 15 U.S. Code 1692e ( 12 ). 

In light of the above, I demand that you immediately cease and desist all communications with me regarding this alleged debt. Furthermore, I request that you provide me with the following information : 1. Proof of your authorization to contact me regarding this alleged debt.

2. Documentation verifying the existence and validity of the alleged debt.

3. Documentation showing that the original creditor lawfully assigned the debt to Amsher Collection Services. 

If you are unable to provide sufficient proof that I owe this alleged debt, I demand that you remove all references to this debt from your records and cease any further attempts to collect it. Failure to comply with this request will leave me no choice but to pursue legal action seeking {$1000.00} per violation, as provided by the Fair Debt Collection Practices Act ( FDCPA ). 

I expect a prompt response to this letter within 4 business days from your receipt. Your cooperation in resolving this matter amicably and without further delay will be greatly appreciated. Please send all correspondences regarding this issue to the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX  XXXX
Product: Credit card or prepaid card

Today, i checked my recent statement and found my APR has not been changed since XX/XX/XXXX. I was acknowledged that recently prime rate has been moved down several times. I was surprised, because i thought i was quite good card user so far. So, I Opened chat customer service and asked the reason why my apr still remains same. The first agent, i talked with was XXXX. She said my current apr was evaluated by the factors of creditworthiness, payment activities, time of opening. After reading her words, I was confused, because i have been using this card since XXXX, im sure my credit is not bad, and i was a very good card user. But her words were like criticizing all mine of listed above. So, i wanted exact explanation for it. She kept replied me back she understood points of my inquiry and she would explain, but she just informed my current apr and that was all. even i couldnt see any apologize for her words before i asked her for it. I was bit upset, and requested her to escalate this matter to leadership and join her supervisor to existing chat. I need specific explanation for the next time. Some factors that i missing can affect my credit card activities, and i dont want affect my credit card activities. Her supervisor, XXXX joined the chat. Chatting with him was worse. He mentioned that my current apr is the one that lowered prime rate already applied. So i asked back, the reason why my apr moved to opposite side of prime rate. As prime rate goes down, then whole apr from lowest to highest move down as my knowledge, but in case of my apr remaining same, my apr went up for some reason. Then, he mentioned my onetime 30days late payment, and my current revolving balance lead higher apr. i didnt know even i paid late, but i knew that late payment fee can lead higher apr. however, i couldnt accept my current revolving balance ( 25 % from total credit limit ) can lead to higher apr. This was very new to me, paying in full does not accrue any financial charge, but not paying in full has been leading my credit card to higher apr so far. After pointing out this point, XXXX suddenly changed his words, and nothing affected my apr..and he said like i was asking lowering my Apr. I swear i didnt. Few days ago, i contacted amex for financial relief for the customers impacted by Covid19, for this time, i was just inquiring. He might told me like that as he read previous my request, and take care of my inquiries like asking lowering offer. I didnt request and i dont want it. If i have to pay apr, i will pay, he was out of point. As a result, i couldnt get anything from this chat. I apologized to hold the customer service team too long. However, id like to escalate this to leadership for lack of professionalism. I want to receive regarding this matter as letter. Thank you.
Product: Money transfer, virtual currency, or money service

The reps from this company are not answering questions or honoring their rewards offers. 

They never paid me my {$25.00} reload bonus for funding my debit card account. Nor did they ever mail my debit card. They kept making promises that were lies. 

I also want to know if I can checkout with Paypal to pay for car insurance with the paypal XXXX and if I can use the debit card to pay off bills to hit the {$100.00} minimum for the {$25.00} tax deposit bonus. 

I already contacted them about this back in XXXX of 2024. Nothing! They just lie!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Account Name : XXXX Account Number XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX  XX/XX/XXXX : XXXX  # XXXX XX/XX/XXXX : XXXX XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XXXX XXXX XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX   contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA and XXXX XXXX  guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
Product: Mortgage

Complaint is regarding Idaho Housing, XXXX XXXX relating to incident occurring in XX/XX/XXXX and remains ongoing with no updates to a resolution. 

Preliminary : XXXX XXXX XXXX was moving its business out of state and I needed to find new home owner 's insurance by XX/XX/XXXX. 

I found two homeowner 's insurance companies, XXXX ( XXXX XXXX XXXX ) and XXXX. I opted for XXXX insurance which was finalized through intermediary, XXXX XXXX XXXX company and it was billed to my escrow account with Idaho Housing. Billing amount with XXXX was for {$630.00} in XX/XX/XXXX. 

For another reason XXXX was also processed and billed to escrow for {$1000.00} in XX/XX/XXXX. Another duplicate billing for an amount of {$1000.00} was done in XX/XX/XXXX. I am assuming this is for the same homeowner 's insurance amount for XXXX. 

It is understandable that I should have only {$630.00} and {$1000.00} billed to escrow. The {$1000.00} was reimbursed by XXXX via check, which was deposited into my checking account. I have yet to trasfer the {$1000.00} to my escrow. However, the main inquiring of concern is regarding the other duplicate amount of {$1000.00} dated XX/XX/XXXX, which needs to be reviewed further for additional clarification. 

Additionally, back in XX/XX/XXXX I was terminated from my employer and I attempted to reach out to Idaho Housing for additional assistance for my mortgage. Idaho Housing representatives stated to me that due to my loan being less than one year Idaho Housing could not be of assistance. I also want to make sure that at the time of contact, Idaho Housing was following FHA Servicing Guidelines and Regulations regarding my attempt to explore workout options. 

I was in contact with Idaho Housing call center representatives with no timely success to my problem that has arisen with the company regarding my homeowner 's insurance. 

XXXX and XXXX are not the focus of attention- resolutions were made with both companies. No documentation needs to be shared with XXXX, XXXX XXXX, or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's simply a scam as they pretend to comply with Federal Law
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I was enrolled in XXXX College in XXXX La. I completed my book work but had to do extern inorder to complete the course for XXXX  XXXX. Due to me being around 7 to 8 months XXXX  the school pushed back my extern to 6 weeks after I had my baby  which was XX/XX/XXXX but before I could come off XXXX  XXXX  to complete the course the school unknowingly shut down for fraud.. They stole the students money and didnt pay the teachers it should be in public record.. I had been deferring and trying to fight having to pay for the loan because the school said that I was approved for free services but unknowingly took out loans and most definitely since the school closed with fraud, I shouldnt have to repay the loan that I didnt know about.. I feel all the late payments are inaccurate because I wasnt paying due to legal reasons trying to fight having to pay the loan.. the negative remark is the only negative on my report thats affecting my credit score. My taxes did end up getting took to cover the student loan which has XXXX balance now, but still with the late payments I feel thats not fair, and should be removed especially due to circumstances that are not my fault at all..
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed fraudulent accounts. this issue is stopping me from obtaining credit.
Product: Checking or savings account

I have tried customer service, and bank location # s. Every time i've gotten the message " call back when we're open at XXXX XXXX '' even though I call past XXXX. There is no way to contact their customer service #! 

This company ( First Interstate Bank ) did a buyout of my bank ( XXXX XXXX XXXX  ) and for WEEKS i've been unable to reach a representative to give me access to my accounts. 

The previous login information for XXXX XXXX Bank doesn't work, and neither does their XXXX  application. 

On XXXX reviews they CLAIM that this is a " transition period '' but that merger happened weeks ago, and why would that affect the parent company 's customer service lines improperly telling customers that they're closed, HOURS after they open?! 

Go ahead and dial their customer service number ( XXXX ) and TRY to get through to an actual representative. It is impossible. 

They took my accounts from XXXX XXXX XXXX  and have STONEWALLED not just me, but many other customers from accessing their accounts FOR WEEKS. This is criminal. Please look into this, I beg you.