23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I set up a payment plan with the company and paid on it on XX/XX/2022 and I am receiving phone calls again regarding the same debt. The gentleman on the phone said I owed the full amount and I asked if this was the same amount that I had a payment plan on and he said he wouldn't have it if it was and then researched it in the system to find out if I had a payment plan on it and discovered I did. Why would I continue to have phone calls about a debt if it is being paid on. This is harassment since I have already agreed to pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Upon reviewing my Experian credit report I noticed numerous hard inquiries that I did not make, which looks to be a case of potential identity theft. According to the Fair Credit Reporting Act, can the following inquiries please be disputed and/or removed? I've reached out to the respective companies which were unhelpful in removing the inquiries. Furthermore, I've opened an identify theft case with the IRS/federal government. 
- XX/XX/ XX/XX/XXXX- XX/XX/ XX/XX/XXXX - XX/XX/ XX/XX/XXXX- XX/XX/XXXXXX/XX/XXXX-XX/XX/XXXXXX/XX/XXXXI noticed these unauthorized inquiries after applying for a credit card with XXXX on XXXX and being declined due to too many recent inquiries. ( Which was valid. ) Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX amount {$5100.00}, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

XX/XX/XXXX
Product: Checking or savings account

I deposited a payroll check on XX/XX/XXXX. These funds were not available to me on XX/XX/XXXX. I don't appreciate Chase stealing my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED  XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

- USBank issued premium travel XXXX XXXX card to me on XX/XX/23 - I have been unable to activate advertised " XXXX XXXX Select membership '' perk as of XX/XX/23 - I have unsuccessfully tried to make contact with customer service on XX/XX/23, XX/XX/23, and XX/XX/23. XXXX XXXX XXXX Credit Card Services, and Credit Card Service supervisors XXXX XXXX XXXX have been unable to activate advertised perk. 

- On XX/XX/23, a Credit Card Services supervisor told me the only way for me to escalate the situation would be to physically mail " Card member service office of the president '' and wait for a phone call, which is unacceptable given I have an upcoming trip and need the advertised perk
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX improperly reflected as multiple hard inquiries. 
I did not authorize this inquiry. 
I do not recognize this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in credit report published.

Under federal law, they had thirty ( 30 ) days to complete investigation from the date received my dispute letter.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

There was a list of items that were sent in my initial dispute letter that now must be deleted from database.

The information must be deleted from my report as soon as possible. Not only did Transunion not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting.

Once again! Under federal law, Transunion had thirty ( 30 ) days to complete the investigation from the date they received my dispute. 

I have attached a courtesy failure to respond letter that was mailed after the over 30 day investigation request with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXXXXXX account # XXXX 12 XXXX XXXX BANK XXXX XXXX XXXX account # XXXX XXXX XXXX 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 this is stopping me from getting an apartment, job an continuing my life
Product: Credit card

On XX/XX/XXXX I was charged an over limit fee of {$29.00}. If your card was less than XXXX under your limit they illegally charge a over limit fee to bring you over the limit. THIS IS A TOTAL SCAM WITH DOZENS OF COMPLAINTS ONLINE FOR THIS VERY REASON. 

EXAMPLE : If you charge XXXX and your limit is {$400.00} they will illegally charge an over limit fee to take you over your limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. Some accounts that are being reported does not have account numbers, which can indicate fraud. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My request, submitted on XX/XX/XXXX, stipulated that Experian block these fraudulent accounts from my consumer report within four ( 4 ) business days as required by law. Today, XX/XX/XXXX, XXXX ( XXXX ) days post-submissionthese fraudulent accounts continue to remain active on my report, thereby putting Experian in direct violation of FCRA 605B.

I am filing this Consumer Financial Protection Bureau ( CFPB ) complaint against Experian Credit Reporting Agency under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request immediate action regarding fraudulent information on my consumer credit report. This complaint includes a demand to block and remove all items resulting from identity theft and fraud within four ( 4 ) business days, as mandated by law.

I am submitting an FTC Identity Theft Affidavit in connection with two unauthorized accounts that have been fraudulently reported on my consumer credit report maintained by Experian. These fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX These accounts have generated fraudulent hard inquiries, collections, charge-offs, and late payments on my consumer FICO credit report.

I demand that Experian remove all fraudulent accounts, collections, charge-offs, and late payments as detailed in this complaint. Additionally, I request that any and all collection activities associated with these fraudulent items cease immediately, in compliance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

I have attached the FTC Identity Theft Affidavit ( FTC Criminal Complaint # XXXX ) as proof that all items associated with these accounts are due to identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received a copy of my EXPERIAN credit report and have noticed the following inaccuracies : Wrong Address : XXXX XXXX XXXX XXXX, AZ XXXX - delete this item Inquiry over 2 years old : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, PA XXXX -delete this item
Product: Student loan

I qualify for and am enrolled in the Public Services Loan Forgiveness ( PSLF ) Program. In XX/XX/XXXX, I submitted my application through the federal government to have my account changed from an Income Based Repayment ( IBR ) plan to the Pay as you Earn ( PAYE ) plan. My loan servicer, FedLoan Servicing, based in XXXX, PA did not begin processing this request until XX/XX/XXXX at which point it placed my account in forbearance to make the changes to my account. They did not complete the update until XX/XX/XXXX. Because forbearance is not a qualifying status for PSLF, the 3 months that my account was in forbearance do n't count toward the 120 payments, pushing my eligibility date from XX/XX/XXXX to XX/XX/XXXX. 
Under standard repayment, my monthly payment is > {$1200.00} per month, resulting in approximately {$3700.00} additional dollars that I am liable for because of their failure to update my account in a timely manner. Additionally, placing an account in forbearance causes interest to be capitalized, which in my case resulted in {$1700.00} in interest being added to my principle balance.
Product: Mortgage

In XX/XX/XXXX I lost my job, collected unemployment, applied for Save the XXXX Ohio, In XX/XX/XXXX. My application for assistance was approved by SDO. XXXX Nationstar states they did not receive any files from Ohio for my assistance. Save the Dream states they sent file to Nationstar and did not receive anything back. I have until XX/XX/XXXX to file an appeal with SDO, Save the Dream told me to submit appeal when Nationstar approves my file. Nationstar states they are waiting on Save the Dream. I need HELP
Product: Prepaid card

I was told to fax personal information such as a copy of my driver 's license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX XXXX XXXX. My Illinois license plate was stolen and I filed a report of the plate being stolen. The individual who stole the plate ran up {$1600.00} worth of unpaid Illinois toll fees. I spoke with the XXXX XXXX XXXX XXXX XXXX and they stated that they do not report to the credit bureaus. I have corresponded with this credit bureaus directly numerous times with no positive recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  : XXXX. ) XXXX XXXX : ACCOUNT XXXX XXXX. ) XXXX XXXX XXXX : ACCOUNT # XXXX Credit Inquiries : XXXX XXXX XXXXXX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XXXXl XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021 XXXX, has violated my rights. 
Under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Under 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. 

Thank you,
Product: Debt collection

I was first contacted on XX/XX/XXXX by an employee from a debt collections company. The name of the company was XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The agent said he was trying to collect a debt on XXXX XXXX XXXX Credit Card ending in XXXX. It was in the amount of {$520.00} at the time. He had no actual full acount number or any documentation showing my signature on any paperwork that the debt was mine. He said account was opened on XX/XX/XXXX with a XXXX address which he didn't provide to me. I told him you have the wrong person. I've been a victim of Identity theft and an Identity thief is using my personal information without my permission. I'm disputing this debt. I've never had a XXXX  XXXX XXXX Credit Card and never lived in XXXX where this account was opened. My whole life I '' ve lived in XXXX. I said to him. I also researched this item and it didn't exist on my Credit Reports at that time. I also received a letter from XXXX XXXX XXXXXXXX dated on XX/XX/XXXX. With an address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. The letter staed they are reasearching my claim of Identity theft. I never got a reponse. I kow have received another collections letter from another agency named Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm sending you the reports I submitted to XXXX  XXXX XXXX and my credit reporting agency. To show proof that I was a victim of Identity Theft. I also include a letter from my XXXX XXXX XXXX showing I lived at this XXXX residnce on the Service periods. I couldn't of and didn't live in XXXX
Product: Mortgage

The property is a single-family home, which is located at XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. The property is in the state of foreclosure and has been sold to XXXX Bank and the attorney law firm of the Law Offices of Ira XXXX XXXX, XXXX who has sold my mortgage loan to a third-party collection agency Select Portfolio Servicing , Inc . 
I have submitted application on several different occasions for a loan modification, which was denied and the reason stated for the denial, that I did not include all financial documents at the time of submission. I continued to submit all documents per there request and was still denied for a loan modification to help save my home. I have been fighting this case with my home since 2021 and could not get any help. I have hire attorneys from the XXXX XXXXXXXX XXXX XXXXXXXX XXXX, who I paid {$1500.00} for a foreclosure fee, and a total payment of {$6400.00}. Hiring this legal firm was not a success, which resulted in my home going into a property sale and now in foreclosure and which left me more in a debt. 
I purchased this single-family home to allow me to opportunity to supply a safe environment for my family, and which I help assist with my XXXX disable parents. Which XXXX of my parents/ co-buyer is also a XXXX. I have lived in my home for almost 20 years and now I can't seem to get any help from the mortgage lender, who I have tried to contact, and was told that there was no records of myself or my co-buyer information to locate an account for the mortgage and now I don't qualify for any type of home equity loan or a refinance to assist me in saving my home. 
I would like to know if someone could review my complaint to see if I could receive some type of assistance in helping with my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried now on several occasions to get security freezes placed on my credit reports, but to no avail. Moreover, due to my information being found on XXXX XXXX sites and the fact my information was compromised in the XXXX  data breach, I am scared of identity theft. Therefore, I want all addresses removed except for my current address. Finally, I am requesting full validation of all accounts under the FCRA 15 U.S.C. 1681i, which states all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed on my credit report within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, after reviewing my credit report, I identified discrepancies pertaining to accounts labeled XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX and SEFT/WOFC # XXXX XXXX XXXX XXXX. In light of this, I promptly submitted a formal dispute letter to Transunion on XX/XX/year>, requesting a reinvestigation of these accounts. 

Subsequently, on XX/XX/year>, I received communication from Transunion, indicating that they had completed their investigation and concluded that the information on the aforementioned accounts is accurate and complete. However, upon reviewing my credit report again, I discovered that the discrepancies persist unchanged. 

I believe Transunion 's handling of this matter is in violation of the Fair Credit Reporting Act, specifically 15 USC 1681i, which outlines the treatment of inaccurate or unverifiable information. According to this statute, consumer reporting agencies are obligated to promptly delete or modify inaccurate information following a consumer dispute, as well as notify the furnisher ( s ) of said information about any modifications or deletions made to the consumer 's file.

Furthermore, I assert that Transunion 's actions contravene the provisions set forth in 15 USC 1681e, which stipulates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information contained in consumer reports. This includes reporting information with actual knowledge of errors and refraining from furnishing inaccurate information after notice and confirmation of errors.

As a result, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Transunion for its failure to adhere to the legal obligations outlined in the Fair Credit Reporting Act. I seek resolution in the form of accurate reporting on my credit file and accountability for Transunion 's non-compliance with federal regulations. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act swiftly to address this issue. Should you require any further information or documentation from my end, please do not hesitate to contact me at the provided contact details. 

Thank you for your time and consideration.
Product: Debt collection

I have no idea who Enhanced Recovery is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Enhanced Recovery is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Enhanced Recovery Co as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Enhanced Recovery } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Enhanced Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Vehicle loan or lease

This is a complaint that has multiple issues. Firstly, the payoff was made on XX/XX/XXXX and the bank refuses to apply the payment. Secondly, in 3 days, the payment will be 30 days late. This car was refinanced with Truist and Truist has the title and lien release from the previous bank, however they failed to add themselves as a lien holder. The car was totaled on XX/XX/XXXX. XXXX. Truist was paid out on XX/XX/XXXX but will not apply the payment because they never added themselves as lien holder. That is not my problem. Triust has taken payment from me without being a lien holder since XX/XX/XXXX now suddenly they can't take a payment because they didn't process the paperwork to add themselves as lien holder? When call and we're told that we we're responsible for the payment until they decide to apply the check to pay in in full that is SITTING THERE in their office??? Interest is accruing daily and it will soon be reported late to my credit report. Truist needs to rectify this situation immediately.