23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX I received a call from a number that was labeled SCAM on my phone. I answered it and the person stated they were with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and that they would be pursuing a collection of a debt. I have good/excellent credit. I asked where the debt came from, which they replied bank of America. Back in XXXX, I paid a collection agency a settlement amount for an outstanding debt with a bank of America credit card debt. I have not heard anything about this debt since XXXX, nor do any of the XXXX credit reporting bureaus reflect anything negative regarding a debt. They asked me if I had a letter proving that I paid the settlement amount ; since XXXX, I have moved several times because I was in the military and I have lost documents and items with every move ; this is just something that happens with moving. I do not have the letter stating I paid the settlement amount, but if I had not paid a settlement, surely it would reflect in my credit report. I asked how is it possible after XXXX, nearly 16 years, since I paid a debt collection agency, that I am now being pursued about a debt I have not heard about. They said debt collection agencies can have you pay an amount, but that doesn't cover the complete debt amount, and the remaining amount can be sold to another debt collection agency. I asked if they are debt collection agency, to which they gave me a vague explanation that they were not necessarily a collection agency. If this is the case, if a person pays a settlement amount with a debt collection agency, and the amount does not cover the whole debt, and the amount can be picked up by another collection entity, this would never end and this could be exploited continuously. This seems nefarious and an unjust practice. The phone number to XXXX contact is XXXX. Is there not a statute of limitations to which they can pursue someone about a debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX account ending in XXXX the amount is XXXX they have violated my rights XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they have violated my rights. 

XXXXXXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

US SM Bus Admin ODA inquiry on XX/XX/XXXX and XX/XX/XXXX they have violated my rights. 

XXXX XXXX XXXX inquiry XX/XX/XXXX they have violated my rights. 

All in Credit Union inquiry on XX/XX/XXXX they have violated my rights. 

150 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit card or prepaid card

I have a loan with DISCOVER FIN SVCS LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVER FIN SVCS LLC with no successful resolution. XXXX, XXXX  and XXXX   were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Debt collection

I am disputing the following information that a collection agency ( listed below ) provided to XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX   The incorrect item should not be listed on my credit reports.

This item is inaccurate because it is an unauthorized charge that I do not recognize. The charge is not legitimate. Therefore, I am requesting that the collection agency remove this incorrect charge as soon as possible. The alleged debt is invalid and the creditor has violated my consumer rights as stated in the Fair Debt Collection Practices Act.

I am requesting this matter be resolved and removed, I appreciate your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called in several times to XXXX and they have NOT received this information I 'm exhausted and really want to get this matter settled. The collection agency sent this information tot them back in XXXX of 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the reporting 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 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 XXXXXXXX, For my student loans, The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand theseaccount ( s ) be deleted from my consumer report immediately. Please send a copy of my updated report once complete.

For the other accounts : 12 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. I did not give permission for these to be reported on my consumer reports.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. These have caused defamation of my character and extreme stress. 
Please send me an updated report upon completion of my request.
Product: Credit card

Dear American Express, I am writing to address a recent late payment on my account. 

The circumstances led to the late payment or negative item on your credit report. The major impact on my financial protection stems from my being out of work since XX/XX/year>2024 due to a major XX/XX/XXXXXXXX that did not heal completely and caused me to have anotherXX/XX/XXXXXXXX on XX/XX/year>2024. I do not have any financial resources right now. 

I take full responsibility for the late payment. Despite this incident, I have maintained a positive payment history with my credit card. My on-time payments and long-standing relationship I would like to continue because I am working with a company that is going to take my company to the next level. My credit history with you will continue to help me on my journey. 

I assure you that this late payment was an isolated incident. 

Thank you for taking the time to consider my request. I appreciate your understanding and cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent XXXX XXXX Account Reporting on My Credit Report Due to Equifax Data Breach Dear Equifax, I am writing to dispute a fraudulent XXXX XXXX account that is currently reporting on my credit report. I believe this account was opened as a result of the Equifax data breach, which compromised my personal information. This fraudulent account does not belong to me, and I request its immediate removal from my credit report. 

Details of the Disputed Account : Creditor Name : XXXX XXXX Date Reported : XX/XX/year> Reasons for Dispute : Fraudulent Account Due to Data Breach : The XXXX XXXX account listed on my credit report is fraudulent and was opened without my knowledge or consent. Given the timing and circumstances, I strongly believe this is a direct result of the Equifax data breach that compromised my personal information. 
Identity Theft : Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure the accuracy and verifiability of the information it reports. This account is a clear case of identity theft, and as such, it must be promptly removed. 
FCRA Section 605B Compliance : In accordance with Section 605B of the FCRA, I request the immediate blocking of this fraudulent account from my credit report. This provision allows for the removal of information resulting from identity theft when sufficient proof, such as a police report or an FTC Identity Theft Report, is provided. 

I request that Equifax take the following actions immediately : Investigate the Dispute : Conduct a thorough investigation of this dispute under the FCRA, and notify XXXX XXXX of the fraudulent account. 
Remove the Fraudulent Account : Permanently remove the fraudulent XXXX XXXX account from my credit report. 
Provide Confirmation : Provide me with written confirmation that this account has been removed and that any related negative entries have been deleted from my credit report. 
Given the severity of this issue, I expect a prompt resolution. Please contact me immediately if you require any additional information. 

Thank you for your attention to this matter. I look forward to your confirmation of the removal of this fraudulent account. 

Sincerely, XXXX XXXX
Product: Mortgage

My HAMP mortgage was taken over by Ditech Financial from XXXX XXXX XXXX a few years ago. My modified loan had a pay for performance clause where I was receiving $ XXXX off of my principle balance each year for up to five years if my payments were on time. I had a total of $ XXXX taken off of my loan balance. Ditech Financial recently sent me a letter saying that after a review they determined I was ineligible for the program as of XXXX of 2012 due to late payments or a refinance which takes you out of the program. They added $ XXXX back to my balance and offered no supporting documentation stating how they arrived at this conclusion. I checked my bank statement from XXXX of 2012 and sure enough my mortgage was paid on time. I never refinanced which was the other way to be removed from the HAMP program besides late payments. I have written and called Ditech to complain about this and everything falls on deaf ears. They basically stole {$5000.00} from me and I do n't know what to do???
Product: Mortgage

I have been attempting to modify my mortgage with AmeriHome Mortgage Company for over a month now. The denial reason the company provided was unclear title. When discussing this reason with AmeriHome customer service representatives ; including several in their Loss Mitigation Dept, I was informed that a {$1000.00} debt is owed to the City of XXXX from years prior to me purchasing or taking possession of the home. It was determined by AmeriHome representatives and by XXXX XXXX XXXX XXXX that the debt belongs to the previous home owner ; however, AmeriHome still will not modify my mortgage. I even sent AmeriHome information from the XXXX County Recorder of Deeds that shows there are no liens on the property. Ive called the company at least a dozen times to request the modification and even emailed them. All I am ever told is that someone will call me back ; which never happens.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have just been more interested in were exactly my credit is and what is on it. So, upon looking I noticed I have been a victim of identity fraud with accounts i did open and inquires I didn't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with Experian and XXXX XXXX XXXX XXXX on XX/XX/XXXX the company is inaccurately reporting information to my credit report and continues to report late payments on a repossessed auto loan, not only has this company taken $ XXXX from me but when hit in a time of hardship repossessed my vehicle and sold it. Somehow after paying them $ XXXX in the past two and a half years I still owe them $ XXXX and they have no sympathy for my situation and took and sold my vehicle. Now they are inaccurately reporting to the credit bureau and making my credit score decrease. The company has not returned my personal property even when I have requested information on how to retrieve it. When I asked them to send me a detailed description of the amount I owe because it does not add up and a record of sale of the vehicle they stated that it would cost {$10.00} for them to do that. This company has such terrible business practices and does not care for their loyal long term customers. You would think that when someone pays you {$500.00} plus fees a month over the course of two and a half years youd work with them. I always have made the high overpriced payments every two weeks and when I fell behind i always got the loan caught back up. This company harasses me everyday for their money, but Ill tell you like I told them, THEY WILL NEVER SEE ANOTHER DIME FROM ME AFTER THEY REPOSSESSED MY VEHICLE. So either they stop reporting fabricated information to the credit bureaus or I will sue them. They should be shut down for their unfair practices, I was XXXX years old when I signed a loan with them, not once was I under the impression I would be paying $ XXXX for a XXXX vehicle with XXXX miles on it. I was under the impression the loan was for $ XXXX all together and according to XXXX the salesman the loan would be paid off in two years, after reading my loan documents a couple months after purchasing the vehicle I noticed a page that XXXX did not put much attention to, it stated over the life of my loan Ill have paid $ XXXX for a car with XXXX miles on it that was XXXX years old. That is downright ridiculous, I could have bought a brand new car for that amount of money. I am so frustrated with this financial burden and I truly hope nobody else is ever put in my position by this company BUYER BEWARE on XX/XX/XXXX XXXX XXXX XXXX XXXX sent ME an email stating I was {$600.00} behind on my payments, but they reported to Experian that in XXXX I was only {$300.00} behind, then when I disputed that and the fact that the vehicle has been reposed they certified to Experian that the information is accurate when I have hard evidence that it is not. I have submitted my evidence to Experian and am waiting for their response. Liars and thieves thats all XXXX XXXX XXXX XXXX is, thats all they ever have been since I have had a loan with the company they just lie and lie and lie. Unfair business practices, unfair interest rates, and unfair pricing on vehicles.
Product: Credit card

We have a Bank of America CC account that has been closed and are making monthly, automatic payments. In XXXX of 2023 their system did not properly withdraw a payment of {$210.00} from our account on XXXX different occasions but we were never notified. Upon getting our statement we noticed this issue and made a double-payment in XXXX to become current but by that point their system had registered us as '30 days late ' and reported this to the credit bureaus. The error seems to be with their system but they refuse to admit this, correct the problem, or provide us with any information proving otherwise- they have effectively stonewalled us and told us that their company has a policy of 'not issuing credit corrections ' even when they have made a mistake. This has severely hurt our credit and needs to be adjusted. In the attachment you can see us attempting to make payments and additional payments made once were were notified of their bank error. To be clear we went multiple months without receiving a statement which made identifying this error early impossible. 

We had previously published a complaint containing this, BofA did send me an email with a contact but this person has not responded to many emails or calls and it is clear that they do not take credit reporting errors seriously.
Product: Student loan

I had a private student loan go to collections after attending college at XXXX University in Ohio. After school I was not able to keep up with the payments after finding an entry level job. Once in collections I made an agreement with the help of an attorney to settle the debt. I made all applicable payments as indicated by the attached documentation, however, the debt collection company then forwarded my file to another debt collection company who I now have to battle with to show that the debt was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report before I applied for a secured card and I seen addresses on my report that do not belong to me nor am I associated with. on Transunion 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXX. I never lived at any of these addresses.
Product: Student loan

I have been XXXX and unable to work since XX/XX/XXXX, as determined by SSA ( I am receiving XXXX benefits ). I have a private student loan from Earnest , Inc. from XX/XX/XXXX that allows for discharge due to XXXX, specifically Section H paragraph 5 ( b ) of the Loan Agreement ( attached here ) which reads : " You will discharge ( forgive ) my Loan if... I become XXXX and XXXX XXXXXXXX XXXX XXXX XXXX as defined below. In order to establish XXXX XXXX XXXX XXXX I must demonstrate to your satisfaction that I am unable to engage in any substantial gainful activity due to a physical or mental impairment that : ( i ) can be expected to result in death ; ( ii ) has lasted for a continuous period of not less than sixty ( 60 ) months ; or ( iii ) can be expected to last for a continuous period of not less than sixty ( 60 ) months. A doctor of medicine or osteopathy, authorized to practice in the United States, must describe and certify my XXXX status on your XXXX discharge application form. '' I requested the XXXX discharge application from Earnest and submitted it to them along with the requested information from my doctor and my SSA benefits letter in XX/XX/XXXX ( attached here ). Having been legally determined to be XXXX since XX/XX/XXXX, my understanding is that I should qualify for XXXX discharge according to clause ( ii ) in the Loan Agreement paragraph quoted here ( 60 months after XX/XX/XXXX would have been XX/XX/XXXX ). 

However, my application was rejected. The rejection letter ( attached here ) defines " XXXX XXXX XXXX XXXX XXXX' as " the inability to work in any occupation due to a condition that began or deteriorated after the date of the loan and the XXXX is expected to be permanent " However, this language does not appear anywhere in the Loan Agreement that I signed. It's unknown if my XXXX will be permanent or not, but that should not be relevant based on the language that Earnest put in their own Loan Agreement. Language in a customer service notice does not override language in a signed contract. Earnest should abide by the language in the Loan Agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oh I looked at my credit report and there are two hard inquiries from XXXX XXXXXXXX on my credit report that were recently put on there I did not apply for these. I do not know why they are there I do not have any credit cards with XXXX XXXXXXXX I have called XXXX several times I can not get a person on the phone over and over again I am trying everything I can do to have these removed but I can not get any help from them
Product: Checking or savings account

I was informed on XX/XX/20 that my mobile deposit of {$4200.00} will be placed on a hold. I called to see why and was eventually told that it may not be placed on hold. In addition I have an email stating check available balance before using funds to ensure money has been released. The next day my account showed {$0.00} hold and my full check was available to use. As of XX/XX/20 I get an alert that not only has my rent been returned, Im overdrawn by {$920.00}. I called and have spoken to reps and no one can explain why after XXXXyrs as a customer I have a check on hold for the first time ever, why it showed my money was ( is ) deposited and available but not really available, and why no one can fix this. Not one person who works for Suntrust can correct this error or tell me anything. I dont understand why a paycheck thats normally a direct deposit drawn on XXXX XXXX deposited into Suntrust should be put on hold. Its not a personal check, over {$5000.00}, or from a foreign company. Its the same company that directly deposits the same funds. But no one can help me. I need somebody to help me. Suntrust showed my money was available to use. The rep said if it says the money is available then the money is available to use and yet no one can tell me it isnt available and why they wont release what shows is available. Its confusing and makes no sense. I need an advocate. Suntrust is being fraudulently and untruthful with my money from my paycheck.
Product: Credit reporting or other personal consumer reports

I initially had a repossession account with XXXX XXXX, which was disputed and removed from my credit report by TransUnion, XXXX, and XXXX due to inaccuracies in reporting. However, TransUnion re-reported this same account after it was removed. This constitutes double reporting, as the account was closed and should not appear on my credit report. Despite the removal by XXXX and XXXX, TransUnion recently reintroduced the item without providing any proof or documentation to support its accuracy. Additionally, I have not received any communication from TransUnion or XXXX XXXX explaining the re-reporting. This lack of transparency violates the Fair Credit Reporting Act ( FCRA ) and fails to meet the requirements of XXXX XXXX compliance, which mandates accurate and complete reporting. The re-reporting of this repossession is negatively impacting my credit score and my ability to secure housing and other important necessities.