23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX ; I cancelled my phone service with XXXX. I paid XXXX a total of {$340.00} to catch up on my bill so I wouldn't owe them any money and for them to close my account. I was told by a representative on the phone that the account was closed and my bill was all paid up. The only money I would owe to XXXX is for the cancellation fees of {$200.00} per line. Which would be a total of {$400.00}. I received a bill from XXXX in XX/XX/XXXX and called them because I didn't understand why I was still getting a bill from them for lines that were supposed to have been cut. I disputed this with XXXX and they said it would be taken care of and that they were sorry for the confusion. A while later, I noticed that the charge was showing up on my credit report for an outrageous amount of {$820.00}. I called the collection agency that reported this to the credit bureaus and I put in a dispute with the credit bureaus. The credit bureaus did their investigation ; the amount was known to be incorrect and it was removed from all 3 credit reporting agencies. Now in XX/XX/XXXX ; I  check my credit report often and noticed that there is a new collection agency trying to collect the same inaccurate debt that the other one was. I called XXXX on XX/XX/XXXX and talked to them and inquired about why they keep sending the debt with the incorrect amount to the credit bureaus and the representative told me she understands that the debt is wrong and they will be sending it to her Resolution Supervisor. I am tired of dealing with this same situation over and over again with XXXX reporting wrong information and my credit taking a massive hit for it. I told the representative that I have documents showing the last payment made to them and she went on to tell me that they don't see that payment in their system ; so she doesn't know what happen. She also went on to tell me that I should owe only the cancellation fees for the lines which would total {$480.00}. I told her that the amount is inaccurate and by law they aren't supposed to send the wrong information to collection agencies if it's inaccurate. I had this same issue before with XXXX giving wrong information and it was deleted from my credit but now this same scenario has resurfaced. I am in the process of buying a home and this is messing with my credit unnecessarily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified all 3 credit bureaus that they are reporting incorrect personal information about me and it is very confusing to creditors. The following information is to be reported and nothing else. I need all 3 credit bureaus to remove all other names and addresses immediately. The following information is the correct information to be listed.
1. XXXX XXXX XXXX. There are to be no other names nor spellings. No alias should be listed.
2. XXXX XXXX XXXX.
XXXX XXXX, CO XXXX No other addresses should be listed as i reside at this address and have for a number of years.
3. Year of birth. XX/XX/XXXX 4. Phone number is private. Remove all numbers listed.
5. Employer should be listed as XXXX XXXX as an XXXX XXXX.
All this information should be listed on all 3 credit bureau reports just as i have supplied. This shows creditors solid, cohesiveness on my credit reports.
I have asked for this to be reported correctly and the bureaus ignore my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to all three credit bureaus, XXXX, XXXX, and Experian, on XX/XX/2020 requesting information be provided to me authenticating 3 collection accounts listed on my credit report, including contracts or service agreements that I signed, in accordance with section 609 of the fair credit reporting act. None of the 3 bureaus provided me any information, merely stating that they validated the authenticity of the reports. I would like to see the signed contracts as I believe these accounts to have been made fraudulently. I opened a new dispute through XXXX XXXX on XX/XX/2020 with XXXX with the claim of fraudulent accounts on the reports and again got no resolution, they merely closed the dispute.
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 reporting consumer rights to privacy and confidentiality under 15usc 1681, I understand that consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. 

XXXXXXXX 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 XXXXXXXX Date of inquiry XX/XX/XXXX As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 15 u.s.c 1681 section 602 15 u.s.c 1681 section 604 Reporting agency can not furnish an account without my written authorization consent. Also any negative items report on EQUIFAX credit bureau must be '' Deleted '' and removed from my credit report. Sincerely; thanks I appreciate. 

The resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid-19 I was unemployed and called all of my creditors to go into a forbearance if possible. Most of the creditors agreed and I called every creditor ( see attached for proof XXXX every month to update on employment statues and extend forbearance. Citi Loan and XXXX Credit card were 2 of the creditors that I am having an issue with in regards to reporting delinquencies on my credit report. I was never notified, by phone, email or mail about my accounts being delinquent, even though I called both creditors every month during my forbearance. During a pandemic like we are currently in you would think there would be more communication and sympathy ... .I would have paid whatever needed to be paid to bring my account current. I specifically asked what I needed to pay if anything. I spoke to customer service for both creditors about this and they said there is nothing they can do once it's reported to the credit bureaus. This is very frustrating, as I am still unemployed had to bring all my accounts into a hardship agreement, which already disrupted my credit, and now these delinquencies are not making it easier for me.
Product: Debt collection

2022 My extra phone was lost by my XXXX XXXX XXXX daughter in the grocery store. The phone was unlocked and still connected to my XXXX account and access to bank, cash apps and every app on my phone. There were numerous accounts opened including bank account in my name. I contacted police but couldnt get a report because it wasnt stolen. Our mailboxes were also vandalized so much we had to contact the postmaster to get out mailbox fixed. And some of my neighbors still dont have mailboxes with locks or even doors. I contacted all of the creditors and all but two canceled the accounts. The original creditor had these accounts in dispute status and still sold these accounts to a collection agency after charging the debt off. Im sure this has to be illegal to sale debts in a dispute or bankruptcy status. I also never received a 30 day validation letter prior to the debt being applied to my credit reports. I have also requested validation of this debt from the original creditor as well as collection agency and all XXXX credit bureaus. This fraudulent account is causing financial harm to my family and I. I would like to persue legal remedies against XXXX, XXXX, XXXX, MIDLAND CREDIT MANAGEMENT. They clearly keep verifying debt through address or secondary information. Its not right for me to suffer as a victim of fraud and all my other credit cards are paid off and handled responsibly.
Product: Credit card

Chase credit card reported my business card to the reporting agencies because I was 60 days late. They were advised of hardship. I contacted an agency provided by them to assist with a payment arrangement. I was denied acceptance to the program because when they called Chase credit card, they were advised that Chase did not have a card attached to that social security number. Of course they don't because it is a business account however they found my social when it was time to report to the credit reporting agencies. I called Chase XXXXxecutive office who transferred me to credit card services and 4 representatives later no one could assist. Horrible customer service. Cold call transfers. XXXX called me back to get any other numbers they may have the card under. I gave them the EIN number for the business, confirmed my social security number and gave them the credit card number. I received a call the same day stating that they tried to contact Chase and were advised again that the account did not exist. They could not find it. XXXX was proposing a 3 % interest rate with approx {$140.00} a month payment. I believe this is why Chase is not able to find my account. They have a 24 % interest on the card. This is abuse of power and not fair to the consumer who is utilizing a company that was recommended by Chase credit card to assist. How are they suppose to assist if they are told that my account does not exist. And if my account does not exist, then it should not have been reported to the credit reporting agencies as it says " may '' be reported under the terms and conditions on the statement. No one is providing solutions but claim to provide the best customer service.
Product: Mortgage

I obtained a loan on XX/XX/XXXX on my home at XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX from XXXX XXXX. They then sold my loan to XXXX XXXX XXXX who then sold my loan to FlagStar Bank in XX/XX/XXXX or XX/XX/XXXX. 

After FlagStar obtained my loan ... they without my consent or authorization added 1. {$2000.00}. annual home insurance. - HOWEVER I already have insurance that I pay {$740.00} annual for from XXXX XXXX. 

2. Increased my property tax amount from {$1400.00} to {$2200.00} My county still shows that I only owe {$1400.00} for XXXX Taxes Due to the over charges they took my monthly payment of {$1000.00}. to {$1300.00} After countless times of trying to get it worked out with them since XX/XX/XXXX, I am constantly sent to collections and now they are threatening Foreclosures and adversely affecting my credit report.
Product: Checking or savings account

This account was opened online without my permission as a result it was also closed within 60 days of opening by Bank of America. They also reported this fraudulently on my consumers reporting act, and on my credit score I have now become a bankable with normal banks because of this. Theyve made no attempt to correct this once Ive contacted them. During this time, several checks were attempting to be cashed or deposited into this account by the individual or individuals that open this account at via online access. This was not an account opened in person at a branch. This was done strictly online, using my information which was obtained fraudulently. All transactions were also done via the ATM or through mobile banking. Bank of America has had a long history of causing issues for its customers and creating acts of fraud for their own interests. This may be a case of that here, or of an individual simply opening account in my name, and using it to their own means, and will either case I do not care. I simply want this corrected as I am a victim here and not the perpetrator.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, 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 XXXX XXXX XXXXXXXX Company Inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this item several times with no resolution. The company told me themselves that the account holders last XXXX digits of their social was XXXX. My last XXXX is XXXX. None of the identifying information matches my information but the name for this account XXXX and XXXX has deleted this account from my profile but Equifax will not! I also completed a XXXX  affidavit and sent it it several times which they also did not accept. I want this account that does not belong to me removed immediately its ruining my life!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the deletion of a closed XXXX  account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. It has come to my attention that this account is being reported without my explicit written consent, which is a violation of the FCRA.

Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a consumer report under certain circumstances, one of which is the written consent of the consumer. I have never provided written consent for the closed XXXX account to be included in your records or shared with third parties. 

The details of the account are as follows : - Account Number : XXXX I request that you : XXXX. Immediately delete this closed XXXX account from your records. 
XXXX. Refrain from including this account in any future consumer reports. 
XXXX. Confirm in writing that the account has been deleted and will not be shared in the future without my explicit written consent. 

Please consider this letter a formal complaint and act upon it promptly. I expect to receive a confirmation of the actions taken within 30 days of the date of this letter, as mandated by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your swift response confirming the deletion of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NOT received any confirmation or factual information on how you have verified the alleged account attached in Exhibit C. Therefore I request that you consider this a final notice to your offices. Beyond this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting **** ( copied from the affidavit attached ) ****
Product: Payday loan, title loan, or personal loan

I received a pre-selected offer from Santander Bank ( offer code XXXX ). On XXXX, I submitted my application and I was subsequently denied the loan. The letter of denial was from XXXX XXXX ; it stated the bank was unable to provide me with a loan under the terms that I had requested. 

I contacted Santander on the morning of XXXX to inform them that their computer had provided me with the loan amount and related terms. I was then told that my loan was not approved because I had received a loan from the bank in the last 90 days and they just used this formatted denial letter for a host of different reasons. 

I informed the bank representative that I only applied for the loan because the bank had sent me the pre-selected offer and I didn't appreciate a hard hit on my credit and denial as I most certainly wouldn't have applied for the loan had I known I needed to wait at least 90 days before applying for a new loan. 

I requested that my case be escalated to XXXX XXXX and I requested to reach out to her. I was told that XXXX XXXX just signs the letter and she was not available to actually speak with anyone. I was told that XXXX XXXX, who answers to XXXX XXXX, would reach out to me within 24 hours concerning this problem. 

48+ hours later, I had not received a call back from XXXX XXXX XXXX I called Santander again and asked to speak with XXXX. I was told that she was unavailable and I would just need to wait for her reply. I was also told that she had not even looked at my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following account removed immediately. 

XXXX XXXX XXXX XXXX Balance {$810.00} This account was removed from my credit report last year and it was added back to my credit report without providing me with the Consumer Contract with my Signature on it. 

Thank you for your prompt assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX I became involuntarily unemployed. I have XXXX credit cards that were issued by a Genesis FS Card Services that has been recently taken over by Concora Credit. I have credit protection on all three cards. I contacted the company and uploaded the information as requested to initiate credit protection on my accounts. Benefit payments were not being paid so I contacted the company again. The agent stated that the request was still being processed. It is now the end of XXXX and credit protection benefits are not being made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tonight XX/XX/19 I attempted to access my credit report online at XXXX. I have always been able to download and check my credit before. Now XXXX says I must contact them and they will mail it to me!! Shall I tell you how many times the Postal Service has lost or misplaced my mail?!? And they think I will mail sensitive information like my Social Security Number to them? Think again. It is our right to check our credit data. The internet has many complaints from people just like me. What are you doing about it?!?
Product: Credit card

I had a Macy 's Credit card account number : XXXX, which I had not used for months. In XXXX 2015, I was notified that I had a {$50.00} balance for a XXXX gift card charge. I reported the fraudulent transaction and required to close my card immediately. Later, I filled in form required by Macy and attached a copy of my driver 's license. I never heard anything back while my balance+late fees have grown to {$150.00} now, XXXX the original amount. When I tried to talk to Macy 's again, the representative told me that if I did not receive any call from them, it meant they received my doc. It will take 90 days for investigation while my late fee will continue to accumulate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting an Ally Financial - XXXX account and a recent 120+ day late on a charged off account for XX/XX/20 just showed up and the debt was paid already. This is erroneous