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

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts : 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, 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account with 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 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

Global Radius Solutions is continuing to try to collect on a debt that was never connected to my wife or me. This claim, I believe was dealt with years ago when we provided evidence that my wife was not living in the US when the loan was made or the first few payments were made. Apparently, there were a few payments made from a bank in a state neither of us ever lived in. We chalked the error up to a common name and thought that was the end of it. Now the harassment has started again. I don't think I have received a written letter from Global Radius Solutions.
Product: Debt collection

A year ago I was contacted by this company via a phone call. I answered and they started talking about a supposed debt from XXXX. I was confused because I had my information hacked by a data leak so I was consistently monitoring my credit report and this debt wasnt on my credit report. I proceeded to tell the person over the phone that I didnt have any debt as none was showing on my credit report and I have no information about this supposed debt. She proceeded to verbally harass me and say So what you are not going to pay a debt you owe? Youre just going to receive XXXX XXXX and not pay for it? I said No thats not what Im doing at all, I just dont any information about this debt and I would like to validate that its mine. I eventually hung up because she wasnt giving me information about the debt. I looked up my rights and realized I could ask for a debt validation letter. I called the number back and I got the same lady on the phone. I asked for a debt validation through the mail. She said they dont send information through the mail, so I asked for an email. She took my email and my address. I never received anything through the mail or through an email that was a debt validation letter. Fast forward to XXXX I received a phone call from this same company. I called them back and told him how I asked for a debt validation a year ago and never received anything. He stated they dont send anything through the mail and I said Ill check my email. I checked and I never received anything like a debt validation letter via email. He said he would send me an email. After I hung up I received an email, with just an amount and way to contact them through their website. I logged in and was able to contact them through their website. I sent an email asking them for a debt validation letter with and they replied saying it was passed the 30 days and they dont have to send a debt validation letter.
Product: Debt collection

I have attempted to contact Eastern Account Systems by mail, email, and phone to verify an item that appears on my credit. I have never received any written communication from this company that I owe them anything but, it was added to my credit file. There has been no response to written correspondence ( U.S. postal mail, email ), and I was instructed to leave a voice message when trying to reach them by phone. I have yet to receive a response from them.
Product: Mortgage

I am  XXXX   XXXX   XXXX  with  XXXX   XXXX . After a year or more performing loss mitigation, I got approved for a loan modification, I have been paying mortgage payments diligently and recently I received a check send back for  XXXX  Mortgage saying that the total amou.nt required to bring this account current is {$30000.00}. I dont agree with them that the  Modificaiton i s not compIeted because they already received Modification Agreement with  Notarized Signatures and Modificaiton Deed of Trust signature. Nationstar is u nfair and NON- compliant.. As requested on letter dated  XXXX   XXXX ,   XXXX   for  XXXX  Mortgage payment, I made the payment in the amount of {$1400.00} to Nationstar, in their request due to additional fund is needed. Why is it being send back when I am doing what they have asked? Not only that they are asking for {$30000.00} to bring the account current.  XXXX  is lying and tricky. At this point I am on   XXXX   XXXX   and  XXXX , where in the world do I get {$30000.00} to pay them? They already sent out apology letter and will honor the modification.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccurate in my credit report. Despite my submission. Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB, s recent administrative proceeding against them for similar violations. I request that CFPB take action to ensure Equifax complies with the necessary proof if investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the federal credit reporting act, this creditors XXXX XXXX and XXXX XXXX XXXX have violated my rights. Under 15 USC 1681 Section 602 states have the right tot privacy ''. 15 USC 1681 Section 604 A section 2, it also states the consumer reporting agency can not furnish an account without my writing instructions.

Under 15 US 1666B, a creditor may not treat a payment on a credit card account under an open and consumer balance credit as late for a purpose.
Product: Credit reporting or other personal consumer reports

I have digital secure on my XXXX. I have numerous reports that my social security number is compromised. I froze my credit reporting on XXXX and XXXX. But Transunion website is not working and Im unable to freeze my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Dispute of Debt Collection Notice, Account # XXXX Dear Sir/Madam, I am writing to contest the legitimacy of the debt that was mentioned in your most recent correspondence, which was dated XX/XX/year>. I am formally asking for validation of the purported debt by my rights under the Fair Debt Collection Practices Act, specifically 15 U.S. Code 1692c. 

Upon receipt of your initial communication, I immediately began reviewing the details provided. However, despite my diligent efforts, I have not been able to ascertain the accuracy or legitimacy of the debt in question. Therefore, I kindly request that you provide me with the following information : confirmation of the identity and contact details of the original creditor. 
evidence of the amount due and a thorough explanation of any fees or interest incurred. 
Proof of any written contract or approval proving my obligation to pay this debt. 
confirmation of the debt 's accrual date and any relevant account statements. 
In addition, I want to remind you that the FDCPA requires you to stop all collection efforts until the legitimacy of the debt has been established. If the required validation is not provided, any more correspondence or efforts to collect this debt would constitute a breach of my legal rights. 

Please be advised that I expect a prompt response to this dispute within the timeframe prescribed by law. Failure to provide the requested information or continuing collection activities without validation will leave me no choice but to take appropriate legal action to protect my rights. 

Thank you for your attention to this matter.
Product: Checking or savings account

On XX/XX/XXXX I deposited XXXX XXXX dollar bills into my banks ATM but it only showed I deposited XXXX dollars and the ATM was out of paper. I immediately drove around to the teller and informed her of the discrepancy. I was told that she would call me later to fill out a paper concerning the matter. I did not receive a phone call so I drove back to the teller on the next morning XX/XX/XXXX and I then filled out a paper that I was instructed to do and that the XXXX dollars that I did not get would be immediately deposited into my checking account. The money was never deposited so I called on XX/XX/XXXX spoke to the branch manager who then told me the the money in the ATM was all accounted for and that I had to wait 2 more weeks when it is counted again to see if it is XXXX over. I then asked about cameras and I was told that the camera can not see deposits made at the ATM. I then asked if two or more employees counted the ATM and did they make sure no bills were stuck together. I was told it was counted not once but twice. I use this ATM often to make cash deposits and I have never encountered this situation.
Product: Money transfer, virtual currency, or money service

PayPal has unlawfully closed my account without reason and held my funds for nearly 3 years which is well passed the 180 days that was promised in the user agreement.
Product: Credit reporting or other personal consumer reports

My account was charged off by XXXX XXXX after my vehicle was totaled ( XXXX did not cover my full car payments ). I made payments every month up until XX/XX/XXXX and I was told by XXXX XXXX that my account was charged off on XX/XX/XXXX. I was contacted by a XXXX XXXX representative at the end of XXXX to make a full payment by XX/XX/XXXX for the account to be fully closed. I was never notified of a charge off being put into my account for any reason during that conversation nor on did I receive any mail regarding a charge off on XX/XX/XXXX. The charge-off was actually reported to Experian, XXXX, and XXXX on XX/XX/XXXX. On XX/XX/XXXX, I made a full payment on the account. Now they are reporting it to my credit report as Paid Charge off. This is a violation of my consumer right as I was never notified of any charge off going into my credit report. I paid every month as instructed by the XXXX XXXX XXXX representative that was in charge of my account. Please remove this charge off off of my credit report it is a violation of my of the Fair Credit Reporting Act rights.
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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 a 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: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXXXXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Credit reporting or other personal consumer reports

These are Fraudulent accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX XX/XX/XXXX, at approximately XXXX XXXX eastern time, I called trust mark national bank based in Mississippi. I ask for mortgage forbearance due to financial hardship amidst COVID 19. I was immediately interrogated as to why I couldn't pay the loan. I explained that because of the Coronavirus, Aid, Relief and Economic Security Act ( CARES Act ) this allowed employers to defer the deposit and payment of the employer 's share of Social Security taxes. My pay had been significantly decreased. I also explained that my significant other had lost her job, leaving me to pay all the bills. The trust mark employee, XXXX XXXX, put me on hold. She returned and stated she would send me paperwork for loss mitigation. I asked if this loss mitigation was in regards to COVID financial hardship. She stated no and that it was something they did for individuals who had issues paying their mortgage. I stated I needed the help and could pay in about two months, but couldn't pay now. I asked if I filled out the paperwork and the results from the Trustmark on the loss mitigation paperwork didn't come back in time for payment would it be reported to the credit bureau? She stated it would most definitely be reported to the Credit bureau. I stated please send me the paperwork. I went home and did the necessary research to ensure that I qualified for the financial hardship mortgage relief act. It stated that VA backed loans qualified in reference to the CARES ACT. I called the Trustmark back and XXXX XXXX answered the phone again. I calmly explained that maybe I did not explain my situation properly. I gave her the details and the CARES act information. She stated I didn't qualify. I asked to speak with a supervisor, she stated he was on the phone. I told her I would wait until he got off. She hung up on me and sent me to his voicemail. During these troubling times I am taking care of two kids and my significant other. This is the last type of service that I thought I would receive after fighting for my country. I am absolutely appalled at how I was treated and would like to helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX  Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$1400.00} is wrong, and so is the past due amount of {$1400.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines.
Product: Credit reporting or other personal consumer reports

I previously had a {$25000.00} credit limit for a cash rewards credit card with XXXX XXXX XXXX XXXX. I unfortunately fell on hard times and XXXX XXXX  ended up closing the card and charging it off. 

I made a lump sum payment of {$500.00} and set up a payment plan in XXXX XXXX for $ XXXX to satisfy the charged off debt. 

I'm cleaning my credit up so in the midst of looking at my credit report from XXXX, Equifax and XXXX I noticed that XXXX XXXX reported the same exact account TWICE on my Equifax and XXXX report. 

One shows a balance of {$24000.00} last reported on XX/XX/XXXX and the other shows a balance of {$24000.00} last reported on XX/XX/XXXX. 

Both of these are technically inaccurate as I paid them a {$500.00} payment in XXXX XXXX, but the balance reported in XXXX XXXX is {$24000.00} instead of the accurate balance which is {$24000.00}. 

I did not have XXXX different accounts with the same credit limit. I only had XXXX cash rewards account with them so it should not appear on my Equifax and XXXX report twice. That is inaccurate information and it's having an adverse effect on my credit report by showing I owe more debt than I actually do. 

I've tried calling their collections department to see if they can fix it, I've messaged XXXX XXXX XXXX XXXX via their internal messaging system as well as disputing it through XXXX with no results. I'm not able to dispute it through Equifax yet or else I would. 

I'm asking that XXXX XXXX XXXX XXXX please remove the duplicate reported accounts on my credit report and fix the actual reporting inaccuracy.
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. 

Account Name : 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 violated my rights. Or list of inquiries 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 a 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: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Credit card payment was due on XX/XX/XXXX. Made payment on XX/XX/XXXX @ XXXX ( CST ) and acknowledgement was dated XX/XX/XXXX. Payment confirmation number : XXXX. The credit card company ( Capital One ) then charged me a {$27.00} late fee. Since payment was made on the date required, no fee should have been charged. Reached out to bank, but they stated that their deadline for payment is XXXX Eastern Standard Time ( XXXX CST ) .In other words, they do not give customers the full day to make the payment. ( Persons on the West coast would have to pay by XXXX or have extra fee charged )
Product: Mortgage

Select Portfolio Servicing adds an additional payment every XXXX to my account illegally. Now my past due is 3 payments which shows approximately {$2100.00} balance. I have made every payment and not missed a month. Yes, they do have me on the Covid relief program but I still make my payments. This additional add on is illegal.
Product: Debt collection

I am writing to formally dispute the charges associated with my student loan account, which was originally for {$11000.00} but is now showing a balance of {$16000.00}. Despite my efforts, no one has been able to locate this loan in their records, and I have been informed that the account is closed. 

Here are the details of my situation : Loan History : I took out this student loan through the XXXX XXXX XXXX  as an alternative loan to finance my education. The loan was serviced by XXXXFirstmark Services . 

Communication with Loan Servicers : On XX/XX/year>, I contacted XXXX XXXX, who informed me that they have no record of my loan and show a XXXXXXXX XXXX in their system. 
I then reached out to Firstmark Services, who indicated that the loan is supposedly in collections with XXXX XXXX XXXX ( XXXX ). However, when I contacted XXXX, they informed me that the account had been closed by Firstmark Services and is not currently active in their system. 
I have made several attempts to trace the location and status of this loan, but no one seems to have any record of it, and the account remains closed without any explanation. 
Discrepancy in Loan Balance : I am deeply concerned about the discrepancy in the loan balance, which has increased from the original {$11000.00} to {$16000.00}, despite the fact that no one can locate the loan or provide me with detailed records of how this balance was calculated. 
I request a thorough review of this account, including a full breakdown of all transactions, interest accruals, and any fees that have been applied. 
Request for Resolution : Please investigate this matter urgently and provide me with a clear explanation as to why this account is unlocatable in any records and why it remains closed. 
If the charges are found to be incorrect, I request that the balance be adjusted accordingly and that I be provided with a corrected statement and an explanation of any changes. 
If the loan can not be found or verified, I request that this erroneous balance be removed from my credit report and that you provide confirmation of the accounts status. 
I would appreciate a prompt response to this matter.