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

I have been disputing an account that is reporting on my XXXX credit report. The account is XXXX XXXX XXXX XXXX XXXX fl XXXX. This account to begin with was paid back in XXXX of 2014. For some unknown reason since they went out of business it has been reporting as a charge off. I have made phone calls/letters/ etc to try and correct this information and have it deleted off my report as it is affecting my credit score in a very negative way and affecting me in obtaining substantial credit. Tranunion and XXXX  has deleted it since but XXXX is still reporting it. I tried to re-dispute it online again with XXXX but the system will not allow me to do so. I am furious that this is still reporting and the information is completely wrong. I am submitting this complaint on XXXX credit reporting agency because they fail to do a proper investigation because if they did they would have received confirmation that this account should be deleted off my credit report. If XXXX and transunion deleted it so should have XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Credit reporting

I previously submitted a complaint regarding GA XXXX XXXX XXXX which were re-inserted on my Equifax credit file. This is credit discrimination! These files were previously deleted from my file in XXXX and have been paid and released. All XXXX GA XXXX XXXX Liens must be removed from my file. They should not have been reinserted in my credit file. This is illegal to reinsert information which was previously deleted from my file and is a form of Retaliation because I filed my complaint against Equifax regarding other matters in XXXX and XXXX. This is a retaliatory act. The XXXX XXXX XXXX XXXX has the XXXX liens as paid in full. Take it off my credit report. Equifax has a extreme habit of attempting to XXXX minorities XXXX and this is XXXX prime example. The XXXX GA XXXX XXXX records must be removed because they have been paid and should have never been reinserted on my credit file. Also, the statue of limitations states that Public Records can be removed after 7 years, and they were removed in XXXX, after being on my credit report since XXXX. They should have never been reinserted on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have traded in my car already, this loan is paid off and transferred to someone else and its still reporting on my credit as past due. I tried to dispute it with trans Union and they did not remove the account.
Product: Debt collection

I never received a bill, so I contacted XXXX ( XXXX XXXX XXXX ) XXXX and requested an itemized statement to be mailed. A statement was never mailed or received. Instead they send the balance to CAC Financial Corp, a collections company. My payment was mailed on XX/XX/19 and cashed by XXXX  on XX/XX/2019. I  contacted XXXX and they told me even though I read off the information regarding the check being cashed that I had to prove to them that they had indeed cashed it by emailing the cashed check copy. I have done so and their collections company is still falsely reporting this bad credit when in fact it has been paid in full.
Product: Debt collection

CONVERGENT OUTSOURCING has placed derogatory marks on my credit report in attempting to collect a debt that is not valid, on behalf of XXXX XXXX. Documents attached will show that on XX/XX/XXXX I began to communicate with XXXX XXXX regarding incorrect statements made to me in securing my business, and incorrect billing that began immediately thereafter. And over the remainder of my business with XXXX into early XXXX, I continued to contact XXXX XXXX while being swapped from rep to rep, put on hold, told I would be called back without any response. Documented is another call in XX/XX/XXXX where I again attempted to reach a resolution with XXXX regarding the billing but was left waiting for a call from a manager to reach a resolution. All of this time they were offering to give me a credit when I pushed for the bill to be corrected but never would adjust the actual bill. And I do not believe I owe any monies to XXXX.
Product: Checking or savings account

I have been been banking with Wells Fargo for almost 8 years, through these years I have had numerous bof problems with fea added to my account, money taken out for transactions made 2 days prior, etc. I have called several times throughout the years for money just disappearing out of my account. I have been a XXXX for 6 years and have done XXXX XXXXXXXX for almost 3, I have had more problems with Wells Fargo and added extra fees through my XXXX XXXX  experience more than ever. I just want to be compensated for the times I know for a FACT they have taken money out of my account for hidden fees and double charges that NEVER added up.
Product: Debt collection

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 Account XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear transunion I am writing to formally contest the results of your investigation into the dispute of the account under the name " US Treasury XXXX XXXX, '' which was reported as verified. The documentation provided by your company has not adequately addressed my concerns, and the validation process has not met the requirements outlined by the Fair Credit Reporting Act ( FCRA ). 
As previously communicated, I dispute the accuracy and legitimacy of this debt. The creditor, US Treasury XXXX XXXX, has failed to provide any valid documentation of the original contract or authorization to charge me for the reported amount. Their inability to provide such documentation raises serious concerns regarding the accuracy of this entry on my credit report. 
In addition, I have already filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. Despite this, the issue remains unresolved, and the inaccurate reporting continues. Under the FCRA, I have the right to request proper validation of this debt, and it is your responsibility as a credit reporting agency to ensure that the information reported is accurate and complete. 
Given that TransUnion has failed to ensure the accuracy of this entry after multiple attempts to dispute it, I am now notifying you that if this issue is not resolved within 30 days of the date of this letter, I will be forced to take further legal action. This will include pursuing claims for damages under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as well as seeking additional remedies through the courts. 
I demand the immediate removal of this inaccurate information from my credit report. 
Thank you for your attention to this matter. Please consider this my final attempt to resolve this dispute before I take further legal action. 
Sincerely XXXX XXXX ________________________________________
Product: Credit reporting or other personal consumer reports

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 
Affirm + XXXX XXXX  + XXXX XXXX  + XXXX As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Thank you, XXXX XXXX
Product: Debt collection

I have been in contact via phone call and asked them to stop calling me, my family, and my coworkers. Despite this, XXXX   XXXX keeps robo-calling as well as contacting me several times a day at inconvenient times and contacting friends, family, and loved ones. When contacting my work, me, or loved ones, they leave threatening messages discussing my debt and telling me to get a lawyer.
Product: Credit reporting or other personal consumer reports

Central portfolio has NOT sent me any information to validate this debt.it is a violation of my hipaa rights that this medical debt is on my credit report.because that would have ment that I would have signed permission for the hospital to release my personal information.I gave NO such consent.this is a bogus " debt parking " attempt to make me pay a debt that's not mine.It is invalid and I will be visiting with my attourney about a lawsuit. I also sent a certified letter to this collection agency to inform them of that. I want it deleted asap
Product: Debt collection

I am an attorney representing a client who was contacted about a debt he does not owe. On his own he disputed the debt, and the collector, XXXX XXXX XXXX, sent out documents that appear to be forged or altered. My client made two other attempts to get verification. I filed a FDCPA complaint against XXXX, including fraud for the fabricated documents. In the course of my research I discovered the Consent Order, XXXX which detailed many of XXXX 's tactics. My case is : in the XXXX District of Michigan. One of my investigators made contact with your agency when I was seeking support for a documents/forgery expert. I have not yet called the FBI for an investigation but I was interested in finding out if someone from your agency would be able to provide me with an affidavit regarding some of the deceptive practices XXXX engages in. I also wanted to alert your agency as this may be a violation of the Consent Order. 
The information supplied is for me and/or my firm, except that I supplied the last XXXX digits to my client 's social security number.
Product: Debt collection

Kent hollins law office has threatened via call to try to pursue a debt against me that isnt even in my name. I have informed them many times that that is not my name.
Product: Vehicle loan or lease

According to Law FCRA Section 605B, it is illegal to report information on my credit report without my permission. Thank you, please remove this from my credit report .Account number XXXX XXXXAlly Financial Closed XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title
Product: Debt collection

I am no longer liable for this debt with this accounts because this is already under BANKRUPTCY. I attached the letter from the bankruptcy court and XXXX XXXX  for you to remove it asap
Product: Credit reporting or other personal consumer reports

I have requested multiple times the proof the accounts appearing in my report without me knowing. 

XXXX XXXX XXXX XXXXXXXX,
Product: Money transfer, virtual currency, or money service

Hello, My name is XXXX XXXX, thank you for taking the time out of your day to read my complaint. Ever since I turned XXXX  years of age I have tried to make paypal account but every time I make it the account gets permanently closed. I have done nothing wrong along with the fact that I just turned 18 a lifetime ban from paypal is just not something I want because it's such a wonderful platform that I've patiently waited to use. I think that my parents had been banned before for something they did on XXXX and maybe the Address gets linked or something but I quite literally haven't ever had a paypal account before I turned XXXX. I tried using my main email XXXX and just about one day later the account got locked for permenant. Please review this I shouldn't suffer a lifetime ban from paypal for something I wasn't responsible for. I live with my parents but I am still a human being and their actions shouldn't reflect mine. I am responsible financially and have 3 credit cards. I would love to use paypal. Your assistance would be greatly appreciated in this matter.
Product: Credit reporting or other personal consumer reports

I noticed there was inaccurate and unauthorized use of my credit report. There is a reporting of my birth year as XXXX which is inaccurate. I also noticed addresses and employment that is inaccurate as well My Legal Name is XXXX XXXX XXXX. This Is my Only Name. 
My Address is XXXX XXXX XXXX XXXX Al XXXX. This Is My Only Address My Employment is XXXX .This Is My Only Address. 
There Should be no Other Adresses Reporting 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 XXXX XXXX 1681. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2200.00} 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I have been on an income driven repayment plan for the past 5 years and was recently told that the last 2 years of payments have not counted towards the 120 payments required for public service loan forgiveness plan which I am also enrolled in. There has been no adequate explanation for this. I was initially told that the payments were not for the complete amount charged, however I'm on an auto payment program with no notification of any late payments or inadequate payments. The listed amount has been withdrawn from my account monthly and automatically. In the same conversation with a representative on XX/XX/19 I was then told that there is a " paid in advanced status '' listed on my account which precludes the automatic payments from being counted. Again, I am on an auto pay plan and have not paid anything additionally or in advance. Each time I call the customer representatives are not able to provide any detailed information and tell me that they will submit my account for review by the Treasury Department. This takes months at a time and nothing I receive back has any explanation, just the same " qualifying payment counts. '' I have not ever been able to speak to anyone who has any power to help me with my problem. I have made several requests over the past few months related to this problem. Answers I receive are always different. I feel totally helpless without recourse. Also my loans are broken into 19 distinct loans and I was given a total combined monthly payment which again is on autopay. I have paid the allotted amount given to me ; however some loans are being considered to have fewer payments counted than others. If I was in repayment for all of the loans, which I have always assumed I was because I receive one bill and not 19 separate bills, then why are some loans being counted and not others? No one at Fed Loan has been able to answer this question. Again, I get the same answer that my account will be sent " for detailed review '' but then nothing happens. Please please please help, I feel like I am screaming into a XXXX void, I have not idea what is going on with my loans and am totally at the mercy of this servicer who provides me no documentation of anything.
Product: Mortgage

Dea r Staff, I am in  receipt of threatening letters fr om Ditech Company s tating that I am in   XXXX   days arrears for payments and that foreclosure preceedings have begun. Loss mitigation/loan modification application was forwarded to me. I have made all payments on time, or before the  XXXX  of the month via  XXXX   XXXX   XXXX   XXXX   XXXX     Their confirmation transmissions via email indicate amounts I did not submit.   The correct amount of my mortgage payment is {$1000.00} Leading up to this point, my payment amount was {$1000.00}. This instrument was put together as a grant from Step Forward Michigan in  XXXX . The original loan was a federal mortgage secured through FHA in  XXXX . Somehow, in  XXXX  of  XXXX , Ditech ended up with my mortgage aft er    XXXX   XXXX  .   In the   XXXX   of  XXXX ,  Ditech Company paid the municipal property taxes twice, causing a shortage in the escrow account. They subsequently issued new escrow st atements. The matter of my escrow account was resolved, and all late fees were waived back in  XXXX  ( e.g.  XXXX   XXXX   ) o f this year.   First I was told there was a shortage in the escrow, then a check for {$480.00} was mailed to m e.  XXXX  conversations with customer service revealed the company is splitting the payments and  not posting them nor crediting them to my account as submitted. Now I have an invoice in hand for over {$2000.00} along with foreclosure papers ; the company is claiming an  XXXX  payment was not made, even though the payment was submitted in full on  XXXX   XXXX .   No partial payments have ever been submitted on this account. My desire is that all fees will be waived, that the correct payment amount of {$1000.00} be confirmed in writing, and that my account be fully restored at their expense.   Ditech should lose its privilege to do business in Michigan.   Thank you for your service.
Product: Student loan

On the SAVE plan, my monthly payment is {$290.00} and is indicated on my account as such. When forbearance ended, my payment was due XXXX but the amount due was {$370.00}. On XXXX I sent MOHELA customer service a message asking to have the amount adjusted to the SAVE plan amount of {$290.00}, but received no response. I made the full payment of {$370.00} on XXXX to avoid any consequences of a late or missed payment. I also sent them another message on XXXX after I made the payment asking for the difference of {$85.00} to be refunded, but received no response. 

My next payment is due XXXX and the correct amount of {$290.00} is due.