23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020, I received a letter from a collection agency regarding a debt in the amount of {$250.00} alleged by XXXX XXXX XXXX XXXX XXXX XXXX about uniform/equipment. In fact, I NEVER received any uniform or equipment from XXXX because I did not work with them except that I attended an orientation/training and they did not issue me any uniform or equipment. Besides, they never contacted me neither by phone or email or regular mail about this alleged charge or debt. It is an unethical business practice that they refer a false and non-existing debt to a collection agency ; therefore, they need to rectify the matter and remove the alleged debt immediately because it might affect my credit score.
Product: Credit reporting or other personal consumer reports

Date XXXX XXXX Re : Account # XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( s ) : XXXX XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX & XXXX  ; XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TEXAS, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXXI XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX  XXXX, has violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

XXXX  XXXX  XXXX Character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Credit reporting

I disputed XXXX public records of bankruptcies showing on my TransUnion credit report. TransUnion responded with investigation results of " verified, no change. '' California Federal Courts do not report bankruptcies to credit bureaus. An employee looking at their computer screen, seeing my name listed in an Internet database is NOT verification or validation of any alleged bankruptcy. TransUnion can not provide me with any viable evidence of verification or validation of these bankruptcies which is a violation of my rights under the FCRA.
Product: Mortgage

Keep saying i dont live at property called HUD XXXX said have to be there majority of time so i only travel out 2 days and go back home 5 days, my mother says with me and only alone 2 days all my furniture, appliacnes etc there so why is denying?! Sent dispute and faxed and no response like always and already talked to HUD and i qualify! Listed house since i have equity so selling now per there letter! says wont foreclose but bank lies!
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX  - XXXX - XX/XX/XXXX - {$640.00} - late/OPEN - XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} - late/OPEN - XXXX, XXXX, XXXX
Product: Credit reporting

I disputed numerous accounts with XXXX XXXX XXXX and received letter that they were going to delete each account. So after seeing that the accounts were n't being removed I faxed the letters to Equifax to have the said accounts removed. Equifax instead reinvestigated the accounts by sending copies of the letters I sent them to XXXX XXXX XXXX to ask them did they send the letters. After waiting for the investigation to conclude, I noticed that the wording " Consumer disputes - reinvestigation in progress '' had disappeared and has been replaced with " Consumer disputes this account information Collection account ''.
Product: Checking or savings account

TD bank has allowed several accounts to be opened in my name fraudulently. I went into the bank the first time with my id and social security card letting them know it was not me. After that they allowed them to do it again. I have lost hours at work. That is financial abuse to continue to let someone do something like this. Its pure negligence and I am not the only one experiencing this issue its happened to thousands of people recently at TD Bank.
Product: Credit reporting or other personal consumer reports

This address of XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Does not belong to me.
Product: Credit reporting or other personal consumer reports

This account has been falsely and inaccurately reporting to all three credit bureaus it had its listed as open on my XXXX report and closed on the other two credit reporting companies. This company has sold it to a debt collector and still reporting late payments and causing defamation of character. This is affecting my everyday life and this need to be resolved immediately and need to be taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Employer : XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  FL XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

PEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and have notified the credit bureau of the incident of the data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

This is regarding Navient. I have repaid all student loans as of XX/XX/2019. There is a XXXX  balance, yet Navient still lists the loans as being in repayment. I have called and emailed numerous times for written confirmation that my loans are repaid in full, to update the status as being repaid, and to close the account. They have not done so, nor have they reached out to me with any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My file is currently in and has been with the Equifax office of consumer affairs since XX/XX/XXXX. They claim its to protect my file but it has done nothing but keep me from doing just that. I cant monitor my credit report with Equifax and therefore several inaccurate items are listed on the report. When trying to contact them to resolve the issue, it takes me an hour or more to get someone if I can even get someone. About XX/XX/XXXX I was told by 2 different representatives that they were requesting that my file be released from this department after they reviewed it because there didnt seem to be anything requiring it to remain in this department. I was told by the first representative that it would be dont in 24 - 48 hours and after not seeing it done in 7 days I called back. At the tile of call back, I was told by the second representative that they were slower in the process so to covid but he would escalate the file to get it done. 3 months later I still have no resolve so I called back. This time I spoke to a representative named XXXX who has an ID number of XXXX according to her and was told that my file can not be removed and shes not sure why the other representatives provided me inaccurate information. When I asked if she could see the previous representatives that I spoke to, she confirmed that she could but would not give me there names. This matter has become more than frustrating and compromising to me and my life. I need help resolving this matter because this situation has to be illegal in some fashion. Ive asked to speak with management in their office to resolve the matter and they wont allow me to do so.
Product: Mortgage

We are going out of Forbearance beginning XXXX. I called Flagstar at the beginning of XXXX and asked for a modification. I told Flagstar we could resume payments, but not if the payment wasn't lower than our current amount. I called on XX/XX/21 to follow up because I hadn't heard anything on the modification. They said documents were sent out XX/XX/21 on the approval. We did not receive any documentation and didn't know of any new payment. When I called on XXXX they said we were approved for a payment that was more than what our previous payment was. I asked about the VA Covid Refund Modification and if we were considered for it. They couldn't give me an answer about what the modification consisted of and kept passing me off to another person. I stayed on hold for 30 minutes and no one came back to help me. Before they passed me off to someone else, they told me I needed to go through loss mitigation since we couldnt pay the amount of the new payment. Through loss mitigation, all our expenses and income etc. would be evaluated, which I do not feel should happen because of the VA Covid Refund Modification that is available, and lenders are to apply this program. 
I called back on XX/XX/21 and spent an hour on the phone and they told me the amount in arrears was added to the loan, the interest rate stayed the same, and it wasnt extended in the number of years. There was no modification, only adding what was past due to the loan amount, which increased the monthly payment. This is not a helpful solution, especially since I specifically told them we had to have a lower payment. This option sets us up for foreclosure. Flagstar continued to say it couldnt be appealed since we didnt respond. We didnt respond because we didnt receive any paperwork. The first knowledge of a higher payment was on XX/XX/21 when I called to check on the status like they instructed me to do if I hadnt heard from them. 
After being sent to another person again and waiting on the phone for another 20 minutes for someone to help me, I was told the underwriter always looks at all programs available. This is not a true statement. The VA Covid Refund Modification was not taken into consideration on our modification. If it had, the payment would have decreased based on how the program works. This is a disservice to a veteran and family with no control over the situation due to the pandemic. I was then told if I complete the documents through loss mitigation, it will open up all options for modification. All options should have been considered in the first place. I shouldnt have to provide any paperwork because the VA Refund Modification does not require that evaluation, its approved automatically. 
Our loan should be modified immediately using the VA Covid Refund Modification sent out XX/XX/21 from the VA Benefits Administration in Circular XXXX resulting in a lower payment. If our payment is not lowered, we will be forced to foreclose on our house as a result of Flagstar not being willing to help in any way possible.
Product: Debt collection

This debt was included in my BK and discharged and is still showing on my credit report as if the amounts are still owed. This is not right nor accurate and I would like it removed immediately.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going i am not sure if this is some mistake as i assume it has to be i have not been able to get help from them for days but i just remembered i could file a report on here as feel they are not doing their job properly and it is effecting me a great deal as i need my money in paypal. My email linked to my paypal is XXXX XXXX
Product: Credit card or prepaid card

Re : Wayfair Credit Card opened with Comenity Bank I opened a Wayfair Credit Card account with Comenity Bank way back in XXXX. On XX/XX/XXXX, we received notification that Wayfair will now be serviced by XXXX instead of Comenity Bank. However, we can still manage our account balances with Comenity Bank. No new charges can be made unless we open a new account with XXXX. I did not do that and instead kept the old account as I was just making payments until the balance was paid off. 

I tried to make a payment yesterday on the Wayfair Comenity website. This payment is due today, XX/XX/XXXX. When I tried to log on, a message showed up stating that the account is closed and I should call customer service ( attached is the screenshot of the page ). I called the number and got a recorded message that gives me instructions to pay online, on the phone or mail it in. However none of the options work. The option for XXXX asks for the new account # which I don't have. This is not the original account number given when I opened the account. The new account number is the one established by XXXX. ( I did not open a new Wayfair account when they switched to XXXX ). I just kept paying the balance on the Comenity account. It also asks for the social security # which the system did not recognize I tried calling the new customer service number and the representative said that they only deal with the Wayfair XXXX accounts. I was on the phone with them for over 1.5 hrs and nobody could give me a phone number to call for the old Wayfair accounts. 
This company charges {$29.00} for any payment made after XXXX on the due date. I am afraid that I will continue to be charged the late fee or worse, reported to the Credit Burea if I don't continue to make payments on the balance. How will I be able to do that when I don't even know where and how to pay? Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes for all inaccurate information on my credit report with transunion that is hindering my credit profile that is not 100 % accurate. please remove all invalid data listed in the files submitted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. 
A copy of this letter as well as copies of the XXXX previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 
Account XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX through XX/XX/year>, on three separate attempts, I used Trans Union web site for credit freeze and free cred report. I inserted all data as required. I also used the very same data to complete credit report freeze at XXXX and XXXX was successful and those reports were frozen. However, for both the credit report freeze and the free credit report, Trans Union at the end of all of my data inputs, and with verification of the phone number codes that I was assigned, states " unable to verify identification. '' I tried repeatedly to use Tans Union phone numbers, and always was denied access, or the phone line was cut off. It is interesting that for my free credit report, Trans Union in the middle of the process shows a box with my name, address, and other data, as correct, but then at the end of the process of additional questions, which I entered correctly again, states again, " unable to verify identification '' and so refuses to freeze my credit repot, or to send out a free credit report, when I know that by their own data as shown to me, I fully exist in their data base. Again, Trans Union will not allow any phone access to be completed. As I please repeat, I have no issues with a credit freeze at XXXX and XXXX by doing a credit freeze on XX/XX/XXXX and XX/XX/XXXX, so I know my data is correct as inputted to Trans Union. Thank You.
Product: Payday loan, title loan, or personal loan

On XXXX, I mailed request to Mariner Finance, to send the disclosure pursuant to 6802 -see below : that was never given to me at no time from beginning too now. I want to opt out from them sharing my personal information to any 3rd parties, including consumer reporting agencies. And at this time i haven't heard from them. see the law below Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and all of my information was compromised including my social security number, my bank information and other sensitive information.I reached out to all three credit agencies such as XXXX and XXXX to have Fraudulent items removed such as Santander Consumer Usa, XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX in which I was not responsible for these items along with XXXX XXXX  and Also XXXX XXXX XXXX  XXXX XXXX which is a closed account that is still reporting that was fraud .According to the FCRA it is within my rights to have negative items removed in which I had no knowledge of.