23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I have filed bankruptcy ( Ch XXXX ) about a month ago and they are saying they are pressing the following charges : Breach of contract Malicious intent to avoid repayment The account was opened in XX/XX/2016. I am not employed. I also now receive SSI. I made some payments on the account. I didnt purposely stop paying them. The company is saying I signed something stating I will not file bankruptcy. Is that even legal? When I told them they asked for a copy of the order but I am afraid to send it because I don't know if they are legitimate. I told them I filed and that they are violating the bankruptcy laws by continuing to contact me trying to collect on the debt. 

It is a collection agency calling me on their behalf. It sounds like an illegal practice to collect on the debt. Here is the contact info for the collection agency. 

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

It is mandatory 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 FCRA, 15 USC 1681 ( a ) ( 4 ).

3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX  XXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. BRCLYSBANKDE Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX  XXXX Account Number : XXXX 2 fo 1 egaP knalb : tuoba XXXX XXXX XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX
Product: Mortgage

I filed an insurance claim for hail damage in XXXX. I submitted partial documentation to the mortgage company as requested in XXXX XXXX. In XXXX XXXX I received additional insurance checks from the insurance company. I sent these two new checks to the mortgage company in XXXX XXXX. After sending the checks in I was told additional documentation was needed in order to release the funds, this would have been XXXX XXXX. I sent in the additional information as requested in XXXX XXXX. In XXXX or XXXX XXXX, I received a phone call stating the information was not correct and still needed to be provided. The requested documents were sent in for a second time in XXXX XXXX. The mortgage company failed to call or make any attempts to let me know that this was not sufficient again until XXXX XXXX. Again, I complied with their request and sent in the documents for a third time. Again, I received no communication that these were not sufficient. My wife called in XXXX XXXX to see if the checks would be released and she was told yes that everything was good and the funds would be released. On XXXX XXXX XXXX I received a phone call stating that the mortgage company still required the additional documentation to release the funds. This process has dragged on for almost 18 months with no resolution in sight. I am again required to send in the same documents a fourth time. The process they have set up is convoluted and very secretive in how the documents should be filled out and what is exactly required when filing an insurance claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX # XXXX Paid As Agree XXXX/XXXX  # XXXX XXXX  XXXX  # XXXX No Category XXXX  # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Student Loans have been discharged by the US Dept of Education. The status of the loans are XXXX ( {$0.00} ) and closed. XXXX is internally closing out the loans and sending them back to US Dept of ED. The credit bureaus should be prepared for the millions of discharged loans, and be able to update credit files expeditiously. I have submitted all 3 bureaus with unrefutable proof of this, and they still are reporting incorrect information. 

Here is additional information : print out of my acct statement from XXXX that shows my loans are at XXXX ... ...... 

FIX MY XXXX  CREDIT REPORT XXXX XXXX, EQUIFAX AND XXXX. Before I had this to my currently lawsuit against 2 of you all.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I noticed a collections record on my Transunion credit report and immediately took action to notify Transunion of the incorrect information. However, the online reporting system that I was guided to use does not work. Please remove following record from my Transunion credit report : Creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, XXXX XXXX XXXX  I, Amount : {$520.00}. In addition to this request, I have reached out to the creditor to validate the debt but they have failed to do so and I have not heard anything back from them.
Product: Debt collection

I was contacted by a company named National Credit System. They explained that they reported a collection on my credit report because I owed a debt to a property named The Strand, in XXXX, Fl, that I previously resided at, and that I now owed National Credit System a sum of {$330.00} due to me submitting my 60 days notice of not renewing my lease, in less than 60 days of me leaving. 
I then reached out to The Strand due to me not having knowledge of this sum being outstanding via email, on XX/XX/. The Strand did their research and corrected the amount due to actually {$220.00} via email communication XX/XX/, and directed me to pay them directly via certified funds, i.e. Money Order or Cashier 's Check ( I have physical copies of each communication between myself and the Strand property ). 
Since then I have placed in numerous disputes with the specific collections amount via XXXX, and each time National Credit System has argued that I owe them directly and that my credit report will reflect this due amount. During these disputes, I had given National Credit System ample amount of time for them research this dispute and contact The Strand to rectify their records but National Credit System has sought to continue to report erroneous and inaccurate information onto my credit report, as an act of fraudulent extortion. This has effected my credit score negatively and causing me to lose XXXX points.
Product: Credit reporting or other personal consumer reports

XXXX XXXX offered me 5 extensions throughout the life of my auto loan but never disclosed to me that they would be marking the payment as 30 days late even though the payment was moved to the end. It is inaccurate to report that I paid 30 days late when I havent even made the payments at all, because it was extended to the end of my loan. XXXX XXXX needs to update those months to say no data, since it is inaccurate that I paid 30-59 days late. I spoke to a customer service rep who said a manager would call me, but she never returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB to request to you to remove the late payments on the account 's payment history. I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. Please correct the account : Equifax : XXXX XXXX XXXX XXXX XXXX : {$8300.00}
Product: Bank account or service

PRIOR to opening a CitiGold checking account, I confirmed via chat while logged into my Citi accout that I was eligible for a promotion to receive XXXX XXXX XXXX miles. The agent stated, " I checked with my resources and see that you are eligible to earn bonus of XXXX XXXX miles as existing credit card member and you do not have checking account with us. '' I RELIED on this information and proceeded to open the account and completed all requirements for the promotion. I even confirmed via secure messaging that I had met all requirements. The agent told me the miles would be credited to my XXXX account by XXXX XXXX, 2016. However, another Citi agent later told me I was NOT eligible for the promotion, and the miles have not posted.
Product: Debt collection

On XX/XX/2022, Navient called/contacted the phone number ( XXXX ) XXXX a total of six ( 6 ) times in one ( 1 ) day to collect a past-due debt. I am not 100 % familiar with the law, but to me, this seem absurd and like harassment. No other creditor I have ever borrowed from has ever contacted me more than 1 time per day to collect on a past-due debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, I retreived a copy of my credit report and I notice two ( 2 ) unauthorized inquires on my Transunion Credit Report. I contacted the companies who pulled the credit report. Each company told me they did not have any information of me applying for an auto loan. I ask them if I could receive something in writing stating i did not apply for a loan threw their bank. I also contacted TransUnion to make them aware of the unauthorized transaction. TransUnion told me Car Dealerships have the right to run your credit and send it to as many banks as they would like, even if you don't authorize the transaction. 

I explained to TransUnion that I had my own financing, so there was no reason for the dealership to run my credit and submit applications on my be half to a least six ( 6 ) institutions. 

TransUnion refuses to remove inquires with a police report, I call my local police and they don't take police reports for this. 

Per the FCRA guidelines if the inquires are unauthorized the Credit Bureaus have to remove the inquires. Transunion is failing to protect me as a consumer
Product: Debt collection

On XX/XX/2018 I contacted by certified mail XXXX and their hired collection agency EOS CCA and asked them to produce validation of said debt. They did not respond even though the certification was delivered on XX/XX/2018 and signed by a party from their company. They are stating that the debt owed is {$1500.00} in which i asked them to give a break down of equipment versus usage charges in which they refuse to disclose. All equipment was returned to their XXXX Site and they hand delivered and emailed that the equipment was received. I than asked for validation information pertaining to said charges that are " still due '' but they refuse to disclose and/or produce documentation. They have resold the account to XXXX  XXXX  who has also refused to disclose requested information about any updated information and their validation of this said debt of {$1500.00}. I have called XXXX on several occasions but to no avail they leave me on hold for hours without addressing any issues.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently i received a copy of my Transunion credit report and noticed several different unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for Transunion or any one else to access my credit file, i did not apply for loans or any credit cards. Transunion gave unauthorized credit card companies access to my credit report without my person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please take a look at the following items : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$810.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$460.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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: Mortgage

I contacted Wells Fargo XX/XX/XXXX to find out if I was a member of the class since my husband had a loan remodification denied or actually no response ever was made on it and then they foreclosed upon his house and then he died shortly after that in XXXX. The deed had been put into a trust to care for me and my son after he passed away. Then when all of the press came out last year with how their computer glitch denied a lot of people who asked for loan remodifications who lost their homes, I checked into it and I contacted Wells Fargo at their executive office. I was communicating with a couple of different people there including XXXX XXXX. I had finally found a check of my husband 's with the account number and I found records online proving the deed was transferred to the trust. I emailed those documents to XXXX XXXX and then suddenly they stopped communicating with me. I had evidence the trustee sale occurred after it was placed in the trust and how it was bought by somebody else. Last week I talked to XXXX XXXX on XXXX, XX/XX/XXXX at around XXXX. He confirmed that XXXX XXXX still worked there, but the case was closed. They closed the case so I would like to for somebody to contact Wells Fargo to get an answer whether I'm a member of the class. I believe I am. I began communicating with them in XXXX of XXXX. I had never been told that they were closing the case. Once I called and they looked up the account number on the bottom of the Wells Fargo check I had and couldn't find the account. I was told by a friend who works in banking and mortgages that it was archived and that's why they couldn't find it. I told XXXX XXXX I wanted it reopened and he told me to fax everything to Wells Fargo instead of emailing it. I'm pretty sure they're just avoiding me and I've also contacted the law firm that's handling all of the claims for the settlements and I have contacted them multiple times and they have not gotten back to me at all. All I get is a voicemail, so I need your help, please, before it's too late. Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone applied for multiple credit cards, auto loans, and checking accounts in my name without my knowledge. I disputed with the credit bureaus but Equifax did not delete all of them.
Product: Money transfer, virtual currency, or money service

While using Cash App, I discovered unauthorized transactions on my account. Despite reaching out to Cash App for assistance, I received no response. I also attempted to contact the phone number listed within the app, but again, there was no reply. Several transactions occurred that depleted my funds without any clarification regarding why Cash App failed to refund my money after these illegal activities. Furthermore, my account was unexpectedly blocked without any investigation into the fraudulent transactions, and I did not receive my funds back.
Product: Credit reporting or other personal consumer reports

The company RoundPoint Mortgage Servicing received our loan after it was sold to them by XXXXXXXX XXXX 

We are an absentee owner and RoundPoint Mortgage failed to notify us at the correct address of record. Without proper notice they reported a delinquent status on our credit report and that resulted in a massive drop in my credit score. 

Section 12 CFR 1024.32 ( a ) of the RESPA provision states the duty of the servicer and that the borrower must receive notices at their correct addresses. 

12 CFR 1024.33 ( b ) ( 1 ) of the RESPA provision states that the mortgage servicer is in a breach of obligation as they must use the borrower 's correct address and confirm it as such.
Product: Credit reporting or other personal consumer reports

The Petitioner 's renewal for automobile insurance has risen from {$140.00} to {$250.00} per month due to a reporting error from the company. The Company has been reporting that the Petitioner Virginia Drivers License is unreported when it is a valid license.
Product: Debt collection

In this year of 2016, I has been receiving call from Arnold Scott Harris to resolve a debt with my Driver License. I spoke to a rep from their collection agency about resolving my debt with a payment plan. The rep told me if I do n't resolve this issue, The client will put a WARRANT for my arrest if the debt is not paid in a timely matter. I tried to set up a payment plan using my debit card, but the company took the funds out on the wrong day and month, which set my account to over draft. Once the rep stated that I can get arrested I went out and obtain XXXX pay day loans to Pay this balance in Full. I spoke to Client ( XXXX Circuit court in XXXX il ) which the lady rep stated that 's no way that will ever happen let alone the balance will not increased. I have called several times, where I asked to speak to a manager. Every time I am place on hold for a long period of time, no one ever returned back to phone or a call back was never giving when they told me the time frame was 48 hours. As, when I did speak to someone every time I called my call is just bounce from rep to rep, nothing was resolve at all. I even spoke to someone who recently call me back told me the REP did not ever say that, then call again and pushed the issue. Which I was told the Rep was wrong and should have never stated that.
Product: Credit reporting or other personal consumer reports

The original creditor DELETED these accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, and you have to be 100 % Verifiable and 100 % accurate. You have to match the other credit reporting agencies.