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

I recent disputed inquries on my credit report to Equifax due to some fraudulent activities. Companies such as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Equifax XXXX.
Product: Consumer Loan

Armed Forces Loans of Nevada I contacted them told them I am retired unable to pay. They ignored the situation. Also they keep doing hard inquiries into my credit when I did not give them permission to look on my credit report they do not have authorization. They also failed to abide by the soldier sailor relief act. They are scam artists charge high interest rates and should not be allowed to lend to XXXX ARMED FORCES retired or otherwise. Please force them to remove the hard inquiries and remove all bad reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  i have submitted my correct paperwork for incorrect reporting with police report and all required documentation
Product: Debt collection

On  XXXX / XXXX / 17  I got a call from  XXXX  and  XXXX  left a voicemail stating to call  XXXX  about a debt owe. I was asked to call  XXXX  ext  XXXX . After advising  XXXX  I currently have no money to give but do feel I owe the debt, not sure of the amount  XXXX  proceed to say " I have people who or on fixed incomes making payments, its either you pay it or you do n't and those that do n't its an excuse, so I 'll mark your reply as an excuse ''. I advised  XXXX  if I do n't have it would does he want me to do. He began to over talk me and ended the call by saying " you know what you need to do, you need to man up, that 's right man up ''. After doing more research on the phone numbers and the company I ca n't seem to find any valid information, so before I try to pay anything I need valid proof, which I asked for several months ago when I advised them I was unemployed, but they continue to have an excuse as to why they ca n't send me anything in writing.
Product: Credit card or prepaid card

The bank closed my account without any cause of notice. I called the banks customer service on XX/XX/2018 and I was told my credit card has been closed. The representative told me that the bank tried to contact me in XXXX to verify my information, but there was no response. I didnt receive any mail, email, call, text message or any form of communication from the bank. In fact, I have been trying to contact the bank for the past few months but I havent been able to get in contact with any representative, due to bad customer service and long wait time. I was lucky to enough to speak to a customer service representative about my credit card in XXXX, but the representative couldnt help.
Product: Debt collection

ACCOUNTS : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, Milestone Credit Card ( XXXX  XXXX  ) Subject : Request for Account Ledger and Dispute and Rescind of Billing Statements I am writing to request a detailed ledger of credit and debit transactions for the accounts listed above. As the account holder, I have credit that secures all payments to balance the debt. It is important to note that derivatives are contracts that provide the holder with the right, but not the obligation, to buy or sell underlying assets at a specified price- ( unsecured securities ), which violates the Security and Privacy Policies. 
I disagree with the current billing statements and do not accept their terms. All corporations operating within the state are bound by its laws and must comply with regulatory requirements to serve the public. Honest business practices are crucial for regulating service agreements. 
As a consumer, I have the right to understand how and why my personal endorsement has affected me and benefited these corporations. Given the circumstances, I am revoking their authority over my accounts. 

I am now going through a severe hardship and I am currently unable to manage my enforced debit. I request that the collateralized debt obligations be adjusted to reflect credits rather than risk. It is the responsibility of the enforcing parties to address this and process the necessary adjustments, through the right department. 
According to the 14th Amendment, private property can not be pledged for public use without just compensation or due process of law. 

Thank you for your prompt attention to this matter. Please confirm receipt of this request and inform me of the next steps.
Product: Debt collection

I was alerted to a medical collection on my credit report under the name of XXXX XXXX on XXXX XXXX while attempting to secure a mortgage. The account number listed is XXXX. On the afternoon of XXXX XXXX, I contacted I.C Systems via phone ( at XXXX ). When I got someone on the phone ( a woman who refused to repeat her name after it was given once, quickly, or collector identification ) I asked for information for who the original debt was issued by ; my credit report references a medical provider in Pennsylvania, but the name of the doctor / practice is not showing on the reports. I advised the woman I had an account number - she stated that they were unable to provide any information to me on the original debt at that time. She did not take down the account number, but read back my phone number to me from caller ID and advised my number was not appearing in their system. I again asked for validation of debt and I was told it was n't available. To date, I have not received any written communication from I.C. Systems or any medical services provider concerning a debt in the amount of {$89.00}.
Product: Debt collection

I called the creditor today to ask what this was concerning and was told by a rep that this was for a medical bill at XXXX XXXX XXXX. I have never been to this facility and I am almost definite that I did not go to the ER on this day. Also, the entire time I lived in GA I had XXXX so I 'm not sure why I would owe a medical bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting Act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am fully aware of the data breach that happened with Equifax back on 2019. This breach has caused my information to be compromised and therefore an account has appeared on my consumer report without my written consent. 

Per 15 usc 1681 no information should be on my consumer report without my written permission. Equifax nor XXXX provided me with an opportunity to opt out of my information being shared without my consent.
Product: Debt collection

On XX/XX/XXXX I contacted LDR Group at XXXX, as a result of LDR contacting my brother and leaving a message on my voicemail. XXXX XXXX left a number to contact him with my file number. XXXX XXXX was very aggressive when speaking to me. He asked me to confirm my last four SSN, I refused. He then asked me to confirm my DOB I also refused. I asked XXXX XXXX what was this in reference to, he told me a credit card account XXXX XXXX XXXX XXXXXXXX. I then told XXXX XXXX that this debt was an old debt. XXXX XXXX then told me that I had just paid XXXX on this account. I told him that was not true. XXXX XXXX then told me that I would be sued for the debt. I told XXXX XXXX that I could not be sued for a debt that was over 6 yrs old. I told XXXX XXXX that I did not want to be contacted about this debt and to not verbally contact me. I asked XXXX XXXX for a mailing address that I would use to address this matter. XXXX XXXX refused. I asked multiple times and XXXX XXXX still refused. I then disconnected the call. 

XXXX XXXX XXXX acct XXXX XX/XX/XXXX, first date of delinquency was XX/XX/XXXX. The High balance was {$460.00} The Account was charged off XX/XX/XXXX After several unsuccessful attempts to get a mailing address, I was finally given the address : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. After checking the address I realize that I was given the address of the XXXX XXXX After my own research I found the company address as XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate Reporting of information violations of 15 U.S. Code 16815-2. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors ( a ) Reporting information with actual knowledge of errors A person shall not furnish 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. 

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Duty : a moral or legal obligation ; a responsibility Accurate ; correct in all details ; exact Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled or Charge off is Income. The reporting of this account as a debt is inaccurate. 

15 USC 1681 5-2 Says you, PNC Bank , is a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX,2018/ XXXX XXXX2018,  XXXX XXXX 2018 and XX/XX/ 2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Due to the mortgage crisis I became unemployed/underemployed and subsequently filed for a loan modification with my loan Servicer ( previously XXXX, currently SETERUS ). I filed for a modification repeatedly since XXXX, yet each submission was ignored, or denied for arbitrary and baseless reasons. Example, in late XXXX the Servicer denied an application submitted earlier that year stating that I had not identified my hardship as having ended - although I expressly said that it ended and included an end date on page 2 of the Uniform Borrower Assistance Form. I subsequently filed a complaint with CFPB and resubmitted my application. In XXXX XXXX SETERUS offered a Loan Modification Agreement ( LMA ) which inflated the loan amount by over 50 % ( outstanding loan should be ~ {$90000.00} LMA calculated as ~ {$150000.00} ). The inflated loan amount failed to account for loan payments made to the prior Servicer in XXXX and correlated interest due on the loan and, included insurance and tax payments covered by separate payment arrangements. In XXXX XXXX, via certified mail, I sent notice of general LMA acceptance with a requested revision to address their miscalculations. In response SETERUS sent notice of LMA denial for failure to accept terms, but failed to address the loan balance miscalculations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am filing another complaint on XXXX XXXX XXXXXXXX. This is following a complaint I made back in XX/XX/XXXX. XXXX XXXX  XXXX has since removed the negative reporting on my credit reports for those months they falsely reported me late in the year XXXX. However, somehow my credit report is now showing a 120 day late for XX/XX/XXXX, which did not show during my first complaint. In my previous complaint, I have attached my payment history for your review. And that will show that I paid off the loan in XX/XX/XXXX... so there is no way that I have a late payment in XX/XX/XXXX. XXXX  XXXX XXXX has so many errors and is causing a long hold up on a refi loan I'm trying to get since last XXXX. 

My payment history was uploaded to you from the previous complaint so I won't upload it this time. But if you need it again, please let me know. 
Please let me know if you need any information from me and help me get this resolved asap. 

Thank you
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts are inaccurate in their reporting, with incorrect amounts and dates.
Product: Payday loan, title loan, or personal loan

I noticed a couple of inquiries that I did not apply for and have no idea how they got there. On XX/XX/XXXX I noticed somebody tried to take personal loan out for one main financial, XXXX XXXX and XXXX XXXXXXXX XXXX credit card on the XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> JPMBC pulled a copy of my credit report without my express permission or knowledge. 

I notified XXXX and disputed. The event is still showing on my consumer report and is injurious to my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer XXXX XXXX, have 6 unauthorized inquires present in my consumer report that originated from identity theft. 15 USC 1681 c ( 2 ) states that consumer reporting agencies must block any information in the consumers report derived from identity theft. The unauthorized inquires include : XXXX XXXX, XXXX XXXX ( listed twice ), XXXX, XXXX XXXX XXXX, and XXXX. In pursuant to 15 USC 1681 b ( 2 ), I never gave any of these companies written instructions or authorization to pull my credit file. I request that all 6 of these inquiries be removed immediately from all 3 credit reporting agencies ( Transunion, XXXX, and XXXX ) Thank you.
Product: Checking or savings account

I have been in dispute with Citi Bank over an account takeover that took place on XX/XX/XXXX. I contacted Citi immediately on XX/XX/XXXX and XX/XX/XXXX. 

Since the account takeover, I have filed a police report and provided this to Citi Bank multiple times via phone calls on these dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and I have communicated with Citi Bank tirelessly via phone calls and fax that over {$15000.00} in unauthorized charges were taken out of my Deposit account on XX/XX/XXXX. As a result of Citi Bank allowing the Fraudster to act on my behalf as the consumer and allow the account takeover on XX/XX/XXXX additional unauthorized accounts were opened in my name, they applied for a personal loan, along with additional unauthorized funds transferred out of my account. I was notified of this by Citi once I was able to talk to a validated Citi employee and as of today, XX/XX/XXXX, I have not received any provisional credits based on Regulation E and Regulation Z. 

I have appealed all of the open cases with evidence of this account takeover and Citi Bank has not provided evidence as to why these cases have not been resolved and provisional credits not provided. 

As a consumer who has been banking with Citi Bank for several years, I find these actions from Citi Bank to be very dismissive, irresponsible and lacking accountability as a top XXXX financial institution. 

As of today, XX/XX/XXXX, I have contacted Citi Bank for the 7th time and I'm getting the same responses over and over again, 'they have opened an appeal '. Ultimately, I want this resolved and the funds returned to my account. 

I am also notifying the Attorney General 's office.
Product: Checking or savings account

Hello- I was drugged and robbed in XXXX on XXXX. Robbers saw me using my ATM right before I was drugged and took my wallet, phone, XXXX XXXX. Right before it all happened I made a XXXX ATM withdrawal. They saw me doing it and must had memorized my code. They took total of {$1900.00} in several ATM withdrawals. CHASE wont consider my claim and I believe that there should be some protection for these cases as a credit card would. The robbers also made charges to my credit card but those were credited by XXXX right away. I reported the case to CHASE hours from when it all happened. I hope that with this claim I CHASE can consider my dispute and accept police report as confirmation that this happened. They claim that they are not able to confirm criminal charges but also not willing to receive a police report. 
Thank you for your consideration and review of my request, XXXX XXXX XXXX
Product: Checking or savings account

I HAD a checking account for approx 8 yrs with Wells Fargo which I closed 4 yrs ago because they habitually were slow to apply deposits and held until debits were low and THEY racked up on charging me overdraft fees. I was constantly fighting with them and finally closed my account and the straw was when my ex-husband moved out of state, made his change of address on a Wells Fargo acct he held and WF CHANGED my account -- totally unrelated, to his address. It was constant poor banking
Product: Debt collection

The company JPL Recovery solutions has repeatedly called me at work after I instructed them not to, and they have discussed my debt with our office assistants threatening to garnish my wages, they said they did not know it was a work number even though they have called multiple times with these threats
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance ( aka Acura Financial Services ) inadvertently and without notification to its Leasing/Financing customers reduced the Limit of the loan on the consumers credit report. For example if your initial loan or lease was XXXX it is now XXXX. This negatively affects consumers credit because it reduces the amount of credit limits given to customers on the algorithms the bureaus use to calculate the credit scoring for the Credit Reporting Bureaus and reduced the amount of available credit negatively affecting the credit scoring. As per Acura, they did this to correct industry standards, yet they did not update the amount owed to remove taxes that are included in leasing financing, which in all fairness should have been done since this would have cancelled out the negative effect of what they did. Instead, only, the available limit was negatively affected which in turn negatively affected ALL of Acuras customers negatively. This is a violation of the Fair Credit Reporting Act and Acura/Honda should be held accountable for negatively affecting consumers credit by implementing a Corporate Decision across the board.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX bal. {$910.00},, XXXX XXXX XXXX XXXX  # : XXXX date opened XX/XX/XXXX bal. {$270.00}, XXXX XXXX XXXX XXXX XXXX  # : XXXX date opened XX/XX/XXXX bal. {$180.00}. 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Boeing Employees Credit Union Account # XXXX balance of {$6100.00}. My husband filled a XXXX  XXXX bankruptcy XXXX XXXX. : XXXX File Date : XX/XX/2018, and BECU was part of the bankruptcy. It is still showing on my credit report that there is a balance and past due.It also says it was " written off ''. Non of this is correct.
Product: Debt collection

On XX/XX/2020, at approximately XXXX XXXX, a gentleman named XXXX XXXX from Midland Credit Management called my employer, XXXX XXXX XXXX  XXXX XXXX, asking to speak with me but refused to state where he was calling from. He called from XXXX XXXX XXXX XXXX. A reverse phone lookup reflected it is from Midland Credit Management. I returned the call from my cell and a recording answered saying that this line is being investigated for fraudulent practices. 
On XX/XX/2020, at approximately XXXX XXXX, a woman called my employer AGAIN ( from phone number XXXX ) and refused to leave her name but stated she was calling from " Midland ''. 
I am not allowed to receive personal calls at work. They need to stop harassing my employer.