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

On XX/XX/XXXX, once I pulled my credit report from credit engine XXXX, I discovered an unknown account on my credit report. 
Going over I found out that the auto loan with XXXX XXXX   reporting on it was not mine. On XX/XX/XXXX, I filed an Identity Theft Police Report, On XX/XX/XXXX, I started my journey of disputing inaccurate information on my credit report. The time went by and I got removed the account on XXXX and XXXX. Unfortunately, I am still dealing with Equifax, they have been refuse to remove the same account that has been already removed with the other two credit bureaus. I recently, on XX/XX/XXXX filed an amendment to the previous Police Report with the specific auto loan on it. By the way, there is actually a law firm name XXXX XXXX XXXX XXXX bringing a judgment on me regarding the above mentioned account. On XX/XX/XXXX, I filed a complaint thru FTC website that I mailed on XX/XX/XXXX and delivered to Equifax on XX/XX/XXXX. 
I am now using my very last source to contact the CFPB for help, that account is affecting me very bad.
Product: Student loan

Hello my name is XXXX XXXX I am contacting you about University Accounting Service ( UAS XXXX ). my school was shut down due to fraud which was XXXX College and now the private loan still wants their money even though the Federal Loan was dismissed and I was reimbursed {$1500.00} I feel that this might be fraud because they still want me to pay {$2000.00} towards the private loan I would appreciate if you can investigate this thank you
Product: Credit reporting

I have been a cardholder with XXXX XXXX for over 10 years. I have never missed a payment. 
I was in the hospital during the month of XXXX in 2015 and had someone send in my payment. 
Due to an electronic error the payment was never made. I received no email notice, no phone call or no US Mail notice that I was late in making my payment. Previously, if I had been a few days late ( never 30 days ) I was always called by XXXX XXXX as the payment date was misleading. I assumed that if you were not 30 days late you were safe. In fact, XXXX XXXX went so far as to reversing late fee 's that were charged to me due to the fact I paid a couple of days after the due date ( Again, no 30 days ). I called XXXX XXXX and they were insistent that they were right and I was wrong. Again, computer error. I stand by my record as never having had a late payment in 10 years. I am asking them to remove this late payment from my credit report. 

In addition, I was denied a credit limit increase due to this one late payment. In addition I am receiving credit offers from XXXX XXXX regarding approval for a car loan of up to {$35000.00}. Does not make sense ... ... ... ....
Product: Credit reporting

I have been requesting verification of the following public records that TransUnion continues to report on my credit file : XXXX tax liens : Docket # : XXXX and Docket # : XXXX. TransUnion continues to fail to provide me with the documents and the name and contact information for the " vendor, '' " source, '' or " company '' that was used to " verify '' the information as I requested. 
TransUnion 's investigation results include the following statement and I quote : " the information was collected from public records sources by TransUnion or a " company '' we hired. '' Exactly what company did they hire and what source did they use? They fail to even include the " company 's '' information such as name, address, and contact number on the dispute results that I received. I did not authorize TransUnion to receive any information about me from the " unknown '' company that they claim to have hired for verification. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting on my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
XXXX XXXX XXXX, XXXX, XX/XX/2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' I request and demand that these XXXX tax liens : Docket # : XXXX and Docket # : XXXX are permanently deleted from my TransUnion credit file due to being unverified accounts IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 instruction
s.
Product: Mortgage

THIS LOAN IS CURRENTLY WITH SPS SERVICING LOAN # XXXX WE HAVE SUBMITTED A SHORT SALE APPLICATION MONTHS AGO WITH XXXX RESPONSE FROM SPS SERVICING. EVERY DAY I CALL FOR A STATUS UPDATE I AM TOLD THAT THEY ARE ESCALING THE FILE. 

THE REAL REASON THE FILE IS SITTING AT A STANDSTILL AND NOT BEING WORKED ON IS BECAUSE THE FILE IS DUE FOR A SERVICE TRANSFER ON XX/XX/ TO XXXX XXXX. FOR THIS REASON SPS HAS REFUSED TO CONTINUE TO SERVICE THE LOAN WHICH THEY ARE REQUIRED TO DO UP UNTIL THE SERVICE TRANSFER DATE. IF THE CUSTOMER OWED SPS MONIES THEY WOULD NOT JUST IGNORE THAT POINT THEY WOULD HOUND THE CUSTOMER FOR THE PAYMENT UP UNTIL THE SERVICE TRANSFER DATE. PLEASE INVESTIGATE THIS COMPANY FOR FAILURE TO PERFORM THEIR REQUIRED DUTIES UNDER THE SERVICING CONTRACT AGREEMENT WITH THE INVESTOR AND THE HOMEOWNERS A RESOLUTION TO THIS MATTER WOULD BE FOR THE CURRENT SERVICER SPS TO APPROVE THE SHORT SALE OR ASK FOR A HIGHER OFFER
Product: Debt collection

During the month of XX/XX/2020 I was notified via an attorney letterhead implying they were representing Portfolio Recovery Associates and attempting to collect a debt. There were no legal filings prior to this written notification. This places Portfolio Recovery Associates in violation of U.S. Code 1692 of the FDCPA, and renders them ineligible to be now considered as a " debt collector ''.
Product: Bank account or service

My ATM card was stolen or lost. Someone was able to deposit stolen, fraudulent money orders into my account, then withdraw cash and take out money orders. When I called the bank after noticing this activity, Bank of America assured me that this would not be my problem ( or my parents ', our accounts are linked ), but that they would investigate and cover the fraudulent activity. A few days later, the overdrafted amount in my account was taken out of my parents ' account. Bank of America first said that I was sent fraud alert / transaction approval requests via phone call and text to my cellphone. I have the XXXX logs for my account and there are no calls from the number provided by Bank of America. There are also no texts ; in fact, XXXX told me that I have a block on incoming texts of this nature. Bank of America also said that I returned their call/text approving the transaction ( s ). There is no record of any outgoing call to the number they provided in my XXXX logs. When I informed Bank of America of this, the story changed to the call approving the transaction ( s ) having been made from a third party. I asked for that number, and was told that Bank of America would not provide it without a subpoena. I had the XXXX County, Georgia police department issue a subpoena. After waiting for a month for a reply, the police received a reply to the effect that Bank of America had no record of any persons or accounts related to the subpoena. Bank of America has also changed the times they provided for various phone calls and texts when I have spoken with them. I feel that they are lying or covering up for their error. They say that the person making the third party phone call provided either the last XXXX digits of my SSN or my zip code to authorize these transactions. First, there were XXXX different fraudulent withdrawals from my account, XXXX from an ATM, and XXXX money orders taken out at XXXX. Only XXXX authorization call/text was purportedly made. I am a XXXX with very little money. Bank of America should have been highly suspicious when large amounts of money were going into and out of my account in a short amount of time. I have filed a police report. I have looked at the photos from the ATM transactions. I do not know this person. I do n't know how this fraud was perpetrated. I did not provide my PIN to anyone. Bank of America is assuming me as guilty and expecting my parents to pay for this. I feel like Bank of America is this huge organization that can say and do anything they like. They can change their story every time I talk with them. What can I do? I do n't have money to hire an attorney and go after them. I work hard for my money, XXXX and XXXX, and XXXX. I am trying to save for college so that I do n't have to be a burden on my parents. This is a real blow to my financial situation and my faith in humanity.
Product: Debt collection

I have a collection on my credit report from The Bureaus , Inc. i have Made several attempts to call and pay a reasonable amount as this is not the amount of debt actually owed. 

When I call, there is no agent. I enter My social security number and Im sent to a completely different company, Indebted. No one answers the phone and you are forced to leave a message. No one ever calls you back. I am not able to pay debt because they refuse to call back. I have called for 2 months. No call back. 

So, I disputed the collection because they dont let you pay it, in turn the debt increased.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX Date opened XX/XX/XXXX - Account number XXXX XXXX XXXX Account number Date opened - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number XXXX XXXX XXXX  Account number - XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX - Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account number XXXX XXXX XXXX INQURY : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.

Idid not recognize this hard inquiry I contacted the XXXX XXXX XXXX XXXX XXXX That delete this and, they told me to contact TransUnion to remove this
Product: Debt collection

This company calls for a person with same last name as mine, but different name. I do not know the person they call fo. It is not me. 

I have repeatedly asked them to stop calling. They will not stop.
Product: Mortgage

XXXX XXXX, Regulatory Case Number : XXXX you sent 138 pages 128 that i already rec 'd can you identify which pages do you consider the response for which questions you see you combine several Notice of Errors and QWR in one response im glad you admit, " we understand that it may be difficult to reconcile these documents '' then why dont you make it easier for the mortgages you SERVICE?
Product: Debt collection

SELF XXXX XXXX XXXX XXXX  XXXX, MO XXXX Dear SELF, I am writing to dispute the accuracy of certain disclosures in the credit agreement associated with the SELF Account number XXXX, which I believe to be in violation of TILA Section 1026.6. It has come to my attention that the following disclosures are inaccurate and misleading : the date of last reported delinquencies of two late payments.

These inaccuracies are not only misleading but also a violation of my rights as a consumer under TILA Section 1026.6, which mandates that disclosures must be clear, accurate, and in compliance with federal regulations. Furthermore, under 15 USC 1681 Section 602, I have the right to privacy, and 15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. I never gave you or the above-listed creditors any written instruction to furnish any information on my consumer report, which is a violation of 15 USC 1681b . Additionally, pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title, is mailed or delivered to the consumer not later than 21 days before the payment due date.

The Credit Reporting Agency has caused severe stress and anxiety due to these abusive and unfair practices. I request that you promptly correct these inaccuracies or remove this account from my credit file in accordance with TILA regulations and provide me with updated documentation reflecting the accurate terms of the credit agreement. Failure to address this matter within the legally prescribed timeframe may result in further legal action to protect my rights.

Please provide the following information : 1. Revised and accurate disclosure statements.

2. An explanation of how the inaccuracies occurred and were identified.

3. Proof of compliance with TILA Section 1026.6 requirements.

I anticipate your timely response and a satisfactory resolution to this 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 protected consumer rights to privacy and confidentiality under 15 U.S.C 1618. 

Account Account # Dept of Ed/XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX Bankruptcy XXXX Bankruptcy XXXX Has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S. C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructi
ons.

15 U.S. C. 1681 c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.

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

I am forwarding to Chex Systems the police report. I am disputing three items on my credit report with them. I have submitted a FTC affidavit and they refused to take because of no signature by an officer but I was able to get it notarized and the items I am disputing and should be removed due to Identity theft is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I applied for a loan recently with a mortgage company. The LO communicated that I had a collection from XXXX XXXX, a Collection Co. representing XXXX XXXX. It seems the default/loan was made at a time when I was XXXX and I am sure I have never used their services nor have I ever contracted with them. I have made 3 calls to them, each time giving them the account number listed on my credit report and they keep asking me for my SSN, because for some reason they " can't find me '' in their system, giving them my name and the account number THEY are reporting to XXXX XXXX. This debt is simply not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting

Upon receiving my credit report from equifax, I noticed that I have inquiries that I know I did not authorize. Please have them removed from my credit report.
Product: Debt collection

I moved out of my apartment building, the XXXX XXXX XXXX, on XX/XX/21. I was told I could have some extra time to return some plastic pool bands ( worth absolutely nothing ) that they were charging me {$150.00} for. I was out of town for a couple of weeks at the time, but when I got back, a friend returned them for me. The XXXX XXXX XXXX XXXX said they would reissue the bill, but they never did. The total bill amount was {$510.00} - but should have have been {$360.00} less the pool bands. When I was hounded for the full {$510.00}, I admit I felt frustrated and taken advantage of. I've emailed them to ask how I can pay the bill less the pool bands. I apologize for not following up on this sooner. I really do pay all of my bills on time and feel that this debt / collections mark is unfair and unjustified. I really do not want a mark on my credit and will do anything to get it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. 
1 ) XXXX is reporting inaccurate information across all 3 BURAUS XXXX Equifax and XXXX starting with late payment XX/XX/XXXX late and XX/XX/XXXX late on 2 but 3rd bureau ok never reported under investigation gap on XX/XX/XXXX and XX/XX/XXXX nothing in box date last active all different please remove whole account or show proof of late payment if not update account to ok /good standing asap correct or delete any inaccurate, incomplete, or unverifiable information within 30 or 45 days of receiving notice of your dispute XX/XX/XXXX
Product: Debt collection

I paid off my XXXX XXXXXXXX XXXX XXXX in full on XX/XX/21 in the amount of {$1700.00} and never made any more purchases after that. Now theres something in collections for $ XXXX regarding this credit card. This is NOT a valid debt and the collection company and credit card company refuses to drop it. I filed disputes with all the credit reporting agencies and they contest its a valid debt. I did NOT make anymore purchases after I paid it off. Please provide PROOF in the form of security video that I was the person that made these purchases. I did not make any more purchases after I made that payment!
Product: Debt collection

As of XX/XX/2018 a legal hold was placed on my XXXX bank account for {$4600.00} by the company LVNV Funding LLC. When inquiring about the origin of the hold, this company told me they do not have the information about the original debt but have the amount owed and the dates these purchases were made. The dates of the purchases are from when I was a teenager and the name on the account is not my correct name therefore is related to fraud/identity theft. When I contacted them about this they forwarded my call around what seemed like their entire company phone system and no one was able to help me file a claim for fraud. The hold has been on my account for almost a year and no resolution is in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX, NY XXXX. The following addresses are not mine please remove them : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX
Product: Credit card

Capital One restricted my credit card account. In order to reinstate the account, they requested a utility bill and my ID. I uploaded both documents to the portal. I received a call from an unknown number, which turned out to be capital one and left a voicemail asking me to return the call. I returned the call. The fraud department stated they could not verify the utility bill without me being on the phone to do a XXXX way call to my utility company. 

Capital One initiated a XXXX way call with my utility company, XXXX XXXX. After waiting on hold for a long time, a XXXX XXXX  representative verified all the required information to Capital One to their satisfaction. 

I noticed 3 days later I still had the restriction on my account. I called and spoke with another representative who told me that I need to wait for a phone call from Capital One. It has been a week and Capital One still has not called. When I speak to customer service they are confused and don't have any answers for me and just tell me that there is a 'step missing in the process '