23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

First of all, the company provided absolutely NO way to communicate with a LIVE representative. The ONLY form of Communication was through TEXT. What kind of organization is this? They charged off my account for a loan of {$1000.00} ; but I NEVER received a 1099. By law ; they are obligated to mail one. They are indicating a specific balance of {$1800.00}, on my Consumer Credit Report ; again this is another violation. After many attempts to have this item removed, they refuse. I am reverting to you seeking for justice. I am requesting that they remove this item from my Consumer Credit report immediately, as well as provide compensation for the violations they have committed based of the Consumer / Privacy Laws.
Product: Debt collection

I disputed the alleged debt with this collection agency on multiple occasions and even submitted an affidavit per their request. Unfortunately, this collection account is adversely impacting my credit files.
Product: Credit card

I had a BBVA Credit card account only, since I believe XXXX. They had an account APP or customer service number you could call to make a Credit card Payment. In XXXX XXXX XXXX PNC purchased BBVA  and sent a letter stating they had purchased BBVA and gave a customer service number and an APP to switch to, so I followed the instructions and did both, only to find out the APP required a checking account number to access. Then I called customer service it was an automated answer requiring me to put in my checking account number to access. then I tried to call the nearest branch to XXXX XXXX Az, no way to speak to anyone without account number. I continued to try to call and access the XXXX  around twice a month for the next three months.

Then the games started, my phone started ringing when I was 4 months late, stating I needed to pay around {$500.00} for the last four months. I explaine
d to him I do not have a checking account with them, and that there is no way to pay for me other than waiting for late payment calls, he said to go into the branch and pay, I explained it was over XXXX miles away. He stated they should have it resolved soon, as I continued to try to access my account for months to no avail. When I called the collection company, they hired to contact me on XX/XX/XXXX I Paid this in full.

There is no way I can be the only Credit Card
Customer this has happened to with these guys. My credit now has multiple 90 day lates on it from this Bank and needs to be corrected.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 
XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX : # 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 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: Mortgage

XXXX c/o PHH Mortgage gave a 3 month forbearance when I called to attempt to work with them, secondary to losing my job due to CoVid-19. 

They gave three months forbearance, BUT ALL THREE MONTHS ARE DUE AT THE FOURTH MONTH! 

They are praying on people during a horrible time! 

In addition, they continually send me mortgage statements that do NOT spell out how my previous payment was applied, and even have all the information, including the payment amount, listed as XXXX! I called and told them it was against the law and their response well, we are sending you out corrected ones, so not sure what the issue is
Product: Checking or savings account

I have tried to transfer money from my Citibank savings account and they have frozen any withdrawals until a month from now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, for the 4th time over the past YEAR, I went onto TransUnion to ask them to add information that is missing, specifically, they are missing a current credit card I have with XXXX. Each and every time I go to the " dispute '' section, I get an error message that " sorry, our system is experiencing technical difficulties. '' In other words, I can NEVER get into the dispute section. 

Additionally, they have blocked out the last four digits of all my account numbers on my credit reports. These are my accounts. Why are they blocking information to confirm my own records? I suppose that's a rhetorical question as I SHOULD know what all my old credit card numbers are, but I don't and I want to see them to verify that email I receive is spam, scam or if I need to take security precautions because some scammer got hold of a real credit card number I used to use. 

So I have two disputes.
Product: Mortgage

My FHA Mortgage was sold from XXXX XXXX  XXXX to Rushmore Loan Management. We received a packet of information on XXXX from Rushmore Loan Management stating they will now be servicing our mortgage and it also included a list of what they plan to do with our personal information.

We never signed any agreements with Rushmore Loan Management and have been told this is not something we are able to stop them from doing. The items in question are : What personal information they collect and share ( Social Security Numbers and income, account balances and payment history, Credit history and scores ) It also states that they continue to share our information when we are even no longer a customer. 

Also it states they will give our personal information for joint marketing with other financial companies and they say we can not limit this sharing. 

We expressed verbally over the phone to their customer service that we are not ok with this and never signed any agreements allowing them to do so. I ask that the CFPB steps in and stops this action as it is fraudulent and not approved by myself or my spouse. As this is a FHA federal loan we are also filing a complaint with HUD. 

We ask for a written statement from Rushmore Loan Management stating our information is not to be sold or  shared with any of their joint marketing or any " partners ''
Product: Credit card or prepaid card

On  XXXX   XXXX ,   XXXX   I received a promotional offer for 24 months no interest financing on my Home Depot Credit Card. I conducted an over {$15000.00} transaction on  XXXX   XXXX  after being assured via email that I would qualify for that promotional rate.  Home Depot  has never honored that commitment. I have been in communications with them since that time and now they have stooped responding. I have tried to resolve this issue with  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  and  XXXX   XXXX  a Customer Care Resolution Expeditor. They refer me to  Citi B ank who tells me that I have to talk to  Home Depo t.
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. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted information disputing several inquires which where all removed except one. XXXX XXXX dated XX/XX/21 is an inquiry that was disputed but was not removed. I received a letter from Equifax confirmation number XXXX stating the fraudulent inquire was deleted buy it is still showing on my credit report. Please delete this fraudulent inquiry off my credit report.
Product: Credit card or prepaid card

My bill with Capitol One was due XXXX - I sent up a payment arrangement online XX/XX/2020 for payment to be automatically taken out. Payment was never processed - I went to use my card and my card was not approved for payment. When I called on XX/XX/2020 I was advised this was due to my missed payment. After back and forth as I had set up a payment arrangement and fund were never processed, I was told all I had to pay was {$6.00} prior to XXXX and the services would be restored the following day by XXXX. I made the payment and expected my services to be restored XXXX XXXX on XX/XX/2020. I wet to use my card today XX/XX/2020 and again card was not approved. After calling capitol one yet again - I had to be transferred to a supervisor because previous rep ID # XXXX advised he could not see the notes taken during my previous call onXX/XX/2020 with the supervisor. Spoke with supervisor XXXX who advised there was nothing she could do, advised in order to have my services restored I would need to pay XXXX. I understood but reiterated I was advised to pay {$6.00} and not {$6.00}. I asked to have the hold lifted being that I was told incorrect information and its only XXXX. I again was advised there was nothing that could be done. So I requested to have the call pulled, even if the restriction could not be lifted to at least know that I was told incorrect information and to have their reps properly trained to avoid this type of miscommunication moving forward. I was advised No again. I was on this call for an hour and got no where. I have been a client with capitol one for 11 years and never missed a payment and to think I have to go through this over XXXX.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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

I am a victim of identity theft. Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. I mailed Transunion a certified letter XXXX and also completed a complaint on your company on XXXX Transunion to verify that everything reporting on my report was 100 % accurate. Transunion Credit Bureau failed me as a consumer. Transunion credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps Transunion agency took to insure these items were 100 % accurate under 15 U.S. Code 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. Please see the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/XXXX ) to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the bureaus are required to remove/block any inquiries or information not later than 4 business days after the ( XX/XX/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

These Items have been inquired without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 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 without my written permission
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your co

mpany or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to formally dispute the inaccurate information present on my credit report. The account in question is listed under the name XXXX XXXX XXXXXXXX and contains erroneous details that do not reflect my financial history accurately. 

Balance Issue : Collections accounts should not have a balance. This account is currently showing a balance, which is incorrect.

Open Status : Collections accounts are not supposed to be listed as " open ''. This account is inaccurately listed as such. 

No Contract : I have never had a contract with XXXX XXXX XXXX or any debt collector related to this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am requesting debt validation for this account. XXXX XXXX XXXX is required to provide a copy of any contract or agreement that bears my signature, verifying that this debt is mine. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, you are required to investigate the disputed information. Please find the attached copies of my credit report highlighting the inaccurate entry, along with identification documents for verification purposes.

I urge you to take the following actions promptly : Investigate the inaccurate information. 

Remove the incorrect account from my credit report if it can not be validated with a contract bearing my signature. 

Correct my credit report accordingly and provide me with an updated copy. 

I expect these corrections to be made within the 30-day period specified by the FCRA. 

Please inform me of your findings and actions in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your positive response and the necessary corrections to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX  NEGATIVE ACCOUNTS : -XXXX XXXXXXXX XXXX -XXXX XXXX  XXXX 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 instructions.
Product: Credit reporting

We ca n't reach them. I received a letter from XXXX that I was approved with a XXXX score and that I can call or go online to www.equifax.comXXXX to request the free copy. I have called and the voice prompts wo n't allow me to get the report and there is no way to reach a human. I have gone online and it states " it is unusual for someone below XXXX to have credit and if I want to file a complaint of fraud I need to send personal documents such as birth certificate, social security number, drivers license, etc. to open a case ''. This is insane to send XXXX with no signature ( just sending it in general ) is a major chance of getting in the wrong hands if lost. The phone recording wanted a fee to get the information as well. 

These bureaus control our lives with credit yet give no means to reach them. This is a serious concern for a graduate of this year who will need credit for school or going into the job market. These credit bureaus need to be mandated to have a person to contact. We need a copy immediately and have no way feasible to reach anyone to open a complaint. 

Not an expert on credit report but it seems highly unlikely to have a score without credit and we suspect that my credit has been jeopardized and have no way to confirm or start a process. I will attach birth certificate and letter from XXXX approving my credit card and the reverse of the letter showing my score. The approval process was through XXXX which XXXX gave a credit card as well as XXXX.
Product: Debt collection

There is Debt collector that recently populated on my credit. When I retrieved my credit reports from annualcreditreport.com it verified that the same debt collector was charged off and no longer owed. I would like to continue to dispute this collection and i am asking for an update within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union file # XXXX, is reporting the following fraudulent inquiries XXXX. XXXX XXXX  XXXX dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX XXXX dated on XXXX XXXX, 2023. 
XXXX. XXXX XXXX dated on XXXX XXXX, 2023. 
XXXX. XXXX dated XXXX XXXX XXXX, 2023.
Product: Checking or savings account

Citibank would not accept a cash deposit of {$1000.00} on XXXX XXXX, 2017 to my sisters account in spite of my having her deposit slip with her account. She has been hospitalized the last 4 months. I was advised they do not accept cash deposit if depositor does not have an account with the bank. I was told to get a money order to accomplish the deposit.
Product: Debt collection

XXXX has a collection on my credit from XXXX XXXX XXXX XXXX for the amount of {$2100.00}. I have no idea whose debt this is but it is not mine. I even tried to contact the company about someone elses debt.