23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have checked my credit report for the 1st time in years in preparation to build my credit since I did n't have and accounts or credit cards. I found that there were several collections from the same company with the same dates. I have not had any mail correspondence with the company in question. I am not certain that this debt belongs to me since I have never seen any information about it.
Product: Debt collection

Equfax, XXXX credit bureau company refused to remove items showing on my credit reported company XXXX XXXX XXXX have had in ongoing Dispute to please remove these accounts showing doesn't belong. Since XXXX which last more 90 days to please stop reporting. problem 's on the credit scores which. l have have been denied credit. XXXX Equalax in a resolve problems .. this situation has lasted longer which have written. police report. XXXX Credit reporting company sent me a letter stated They deleted. Information for off my records I requested XXXX XXXX please delete honor. Statement what l have provided I letter .as evidence Equfax XXXX XXXX, which has on going disputes in your CFBP Complains since 4 XXXX with a company Called XXXX XXXX XXXX XXXX. Which now l have on going disputes with this whom requested me to provide additional information records to remove This company from off my credit file. Evidence. I provided police report. XX/XX/XXXX l received a letter states XXXX agreed to remove these companies including these collection agencies report
Product: Mortgage

U. S. BANK has increased my monthly mortgage payment, initially without proper explanation. When contacted, they stated the increase was to offset a bill received from our HOA. Our HoA fee is paid directly and is not routed through our mortgage. U.S. Bank agreed to investigate the issue ( via phonecall ) but they have provided no further correspondence. Also, my current statement does not reflect a correction which indicates they have not investigated/resolved the issue. I have confirmed with HOA that our account is current and in fact is in credit for next year. U. S. BANK received my mortgage via a refinance transfer but their current, fallacious increase is causing financial hardship which was supposed to be offset by the refinance. Additionally, interest payment statements were incorrect which resulted in excess federal taxes. U.S. BANK is proving to be a poor steward of our FHA mortgage.
Product: Credit reporting or other personal consumer reports

Called Experian today to request that old addresses and phone numbers be removed from my credit report. They told me that they could not remove them. Asked for help to gain access to my credit report online through their website and explained that I no longer have access to the email address nor the phone number that I had at the time the account was created. NOBODY would help me and kept passing me around after SEVERAL calls to them and SEVERAL attempts. Even told them about my consumer rights per the FCRA law code XXXX XXXX XXXX and were told they know the law too. As a consumer I have the right to have an ACCURATE credit report and the right to make sure it is correctly reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Td auto finance on XX/XX/2020 has a fraudulent inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a 30 day late that was inaccurately reported on my Transunion Credit Report and have not gotten a response. This has been more than 60 days.
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 FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of $ {$270.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) 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: Debt collection

I am writing this formal complaint to dispute owing a collection/chargeoff listed on 3 consumer reports from FCO. FCO failed to notify and send validation of the debt or properly investigate the accuracy and integrity of the information it furnished to consumer reporting companies. If proper notification was sent, request FCO send proof of notification/disclosures/original transactions with detailed descriptions via certified mail along with the return receipt. This is a violation as the collection agency ( FCO ) has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) however, the collection was placed on my consumer reports. I was not afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). FCO has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I am revoking all rights of FCO communicating through email/text/telephone calls.
Product: Credit card

Timely payment maintenance has been my consistent practice on this account, never allowing any payments to be overdue. I'm unsure about the origin of the late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections are necessary.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX did a hard inquiry on my report when they told me they would only do a soft pull for my mortgage preapproval. I called and they said it should have only been a soft pull, however it has been 7 months, and it is still showing up as hard pull on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given permission to any original creditor to sell my debt to a third party. I have XXXX XXXX XXXX send me letters to collect on a debt being reported by XXXX XXXX as a collection account that was originally owned by XXXX XXXX. I also have Advanced Collection Bureau and XXXX XXXX XXXX reporting collections accounts that I dont owe and havent given permission for anyone to contact me sell any debt or anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. In accordance with the Fair Credit Reporting act.

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.

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account number XXXX - XXXX  reported that I had XXXX late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. Also, stated that I made payments in XXXX and the other companies don't show that. 

Account name XXXX XXXX XXXX Account number XXXX -XXXX  XXXX that I had XXXX late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. 

Account name XXXX Account number XXXX -TransUnion XXXX that I had XXXX late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. 

This information is inaccurate and the self account is stated closed on my credit. I will like for this account to be deleted off my records for being inaccurate and closed. XXXX, XXXX, and TransUnion has violated my rights by reporting inaccurate information. Also, these agencies reported self account name under XXXX different types of account names.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got billing problems on my credit card from CapitolOne. It was started since XX/XX/XXXX. But it have been resolved this issues about two times in a row! There are four different payments involved. I just gave screenshots of the payment status. The fraud department tried to resolve this situation but never will resolved. It was from XXXX XXXX in XXXX, California. Let me know soon to discuss with this matter. Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX has failed to respond to my cfpb complaint XX/XX/2018. I have yet to receive a response from the cfpb or XXXX XXXX in regards to this matter. XXXX XXXX failed to complete an accurate investigation within 30 days and report back to you and I accordingly. Both postings totaling XXXX in bad debt posted to all credit reports should be removed immediately. XXXX XXXX failed to adhere to the collection standards as defined by the FCRA.
Product: Mortgage

While refinancing and paying off a mortgage from Nationstar Mortgage, they assessed late charges from a prior mortgage servicer XXXX. As they are not debt collectors only loan/mortgage servicers, they are out of their reach of collecting debts for a prior mortgage lender. The assessed late fees had no supporting documentation other than they came from XXXX, which whom they purchased the loan from. They required me to pay off the unsupported late fees before I could refinance, holding me XXXX, with the fear of rising interest rates had I not paid it off prior to my loan lock deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID OUT OF MY PURSE AND OPEN SEVERAL FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Student loan

I am the cosigner on my sons student loans and started making payments on the loans while he was still in school in order to qualify for a reduced interest rate. His name is XXXX XXXX XXXX XXXX. Sallie Mae receives an electronic payment for this loan from my bank each month. I continue making the payments after he lost his job in XXXX when his employer closed because of COVID. 

I am not familiar with all the details but have seen many news stories reporting that the President had waived interest payments on student loans due to COVID. I reviewed the Sallie Mae loan records online and found that Sallie Mae continued to collect the interest portion of the payment during the XXXX period. The record shows that Sallie Mae has collected over {$2600.00} in interest on my sons loans after the Presidents decision took effect in XX/XX/XXXX through XX/XX/XXXX. I believe these funds should have been applied to the principal of the loans instead of interest. 

I believe my son and I have been cheated by Sallie Mae. I want Sallie Mae to recover the misapplied funds and apply them to the loan principal.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

My checking account with Truist bank was frozen and I file a motion to the district court of Maryland on XX/XX/year> and on XX/XX/year> the district court of granted my motion to release my account but even if I provide my court order the bank still holding my account and I need my account to be released for transactions
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 
Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, National Credit Systems , Inc. alleged I owed {$19000.00} for a property lease with XXXX XXXX XXXX XXXX. This claim is fraudulent. I have not resided in XXXX XXXX since XXXX and have only returned in XX/XX/XXXX, after the death of my husband. I have no association with the property or lease ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) in question. The debt stems from identity theft, involving my deceased daughter-in-law and possibly my granddaughter, who are suspected of forging my name. 

In XX/XX/XXXX, I submitted a notarized identity theft affidavit and extensive supporting documentation, including proof of residency for the past decade, to National Credit Systems. Despite this, the company has failed to verify the debt or provide any documentation substantiating its claim. They continue to report this account to credit bureaus, causing harm to my credit standing.

I have requested that National Credit Systems , Inc. ( NCSI ) investigate this matter, remove the fraudulent account from my credit report, and cease collection activities. On XX/XX/XXXX, NCSI replied that there was no sufficient evidence to validate my claim or revise their records. Furthermore, no evidence from NCSI was provided that I owe this debt, only the names of XXXX XXXX and XXXX XXXX. Therefore, no satisfactory resolution has been provided. I am seeking CFPB intervention to ensure this account is removed from my credit reports and that collection efforts cease.
Product: Debt collection

The company Portfolio Recovery rep name XXXX XXXX, calling from XXXX, continues to call my place of employment despite being told numerous times to not call my place of employment as I am not taking personal calls at my work.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up 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 instructions
Product: Checking or savings account

On XX/XX/XXXX the check I wrote to pay {$750.00} for my child 's daycare deposit was debited from my XXXX  XXXX XXXX account to the payee 's Wells Fargo account. On XX/XX/XXXX Wells Fargo returned the check to my child 's daycare and charged them a returned check fee of {$12.00} for reason " Refer to Maker ''. I had sufficient funds in my account to cover the check and the {$750.00} was debited from my account and has never been credited back to my account. I've called XXXX twice now and they confirm that the check was cashed by Wells Fargo. The daycare has spoken with Wells Fargo who confirms the check bounced. I also called Wells Fargo who wouldn't assist me as I don't have an account with them. Neither bank will assist in resolving this matter and finding out which one has the {$750.00}. There is an error with either Wells Fargo or XXXX XXXX XXXX and I can't find out which one it is. Attached are the check 's image and details from my XXXX checking account showing it cleared and the check image and details from the daycare 's Wells Fargo checking account.
Product: Credit card

I purchased a sofa through Raymour & Flanigan, and opted for zero-interest financing with a Deferred Interest plan . 12 months later, I was charged a lump-sum deferred interest charge equaling 29.99 % APY on the purchase. 

However, this deferred interest plan was not clearly communicated. The Truth in Lending Act ( TILA ) as well as New York Banking law requires clear and prominent communication. 

My grievances are as follows : 1. First, my cardholder agreement is not available on the TD website at XXXX XXXX XXXX  There is a generic form of Raymour & Flanigan cardholder agreement available, but that agreement cites deferred interest periods of " generally 6 to 24 months ''. The terms available on their website do not specify that my specific agreement was for 12 months. 

2. Second, although monthly statements were generated in TD 's system, but these statements were not sent to me electronically. Prior to XX/XX/, I did not receive any monthly statement notices from TD at all. Only one year after I enrolled in the program, from XX/XX/ onward, I began to receive generic emails that reference that a statement is available in their system, for which I need to log in online to access. However, these emails did not communicate basic information such as account balance, interest accrued, or the existence of a deferred fee plan. 

3. Third, the only document that references the deferred interest rate plan was in the statement that can be downloaded on XXXX XXXX XXXX However, the deferred interest rate program is not referenced in a clear way. The first page of the statement does not make reference to such a plan at all. There is only one line of information buried on the third page that mentions a deferred interest program. 

4. Fourth, the XX/XX/ statement was inaccurate and misleading. On the first page of the statement, TD communicates that {$40.00} will be charged in XX/XX/. However, the actual amount charged that XXXX exceeded {$500.00}. 

I believe that TD and Raymour Flanigan Credit have acted in bad faith. They have published misleading terms on their website, have failed to communicate statement balance and other relevant information in email, have buried details of their deferred interest plan in statements that can only be accessed from within their website, have failed to communicate the expiration of the deferred interest rate program, and finally have provided misleading and inaccurate information on the XXXX XXXX statement.
Product: Credit card or prepaid card

My Saks Mastercard credit card account has Fraud on it, capital one is refusing to assist me on my account there is Fraud charges on my credit card account, the agents are arguing with me and telling me not to pay my credit card bill and allow it to go delinquent while they complete their fraud investigation i have contacted multiple times about this transaction being fraud and they told me that it takes 2 months to investigate and not pay my bill which in turn will cause my credit card account to become delinquent. this is insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax credit report services web site at https : //www.equifax.com/personal/credit-report-services points has a " Get Started '' button that refers to https : //my.equifax.com for handling credit freezes. I placed a freeze on Equifax via traditional mail two years ago because their web site never worked properly. In the  intervening time, this web site has never been up, so I could never so much as register myself as a user with the information that was provided in my in initial freeze. This company purposefully makes an user self-service options frustrating and difficult. I have also twice attempted to temporarily lift my credit freeze with Equifax with the same result. Their web site is non-functional and exists only as a facade to make it look as though they comply with federal laws.
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the XXXX credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/year> XXXX XXXX XXXX : {$7700.00}
Product: Credit card

XXXX XXXX placed an inquiry on my XXXX credit bureau which needs to be removed It is lowering my credit score
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX