23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc Better Business Bureau. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.
Product: Credit reporting or other personal consumer reports

On XXXX I contacted TransUnion via phone to add a identity theft/fraud alert and security freeze to my consumer credit report. After a 35 minute hold time a representative with an extremely heavy accent answered. I verified all of my information and then politely asked to speak with a US fluent English speaking representative. The representative rudely replied You will need to keep calling back until you get one. Of course I was flabbergasted and never spoken to in this manner by any representative from TransUnion in my previous contacts with them. I then advised the rep that thats not how its done and that her level of customer service in the way she speaks to people is extremely rude. The representative rudely replied well thats what were told to tell you. I then said its not what you say its how you say it and Im certain TransUnion didnt hire you to be rude. The representative at that point rudely disconnected the call by hanging up on me therefore preventing me from discussing my issue and further placing the fraud alert on my consumer report. As I sat in my bed on XXXX I began to receive credit file alerts that my credit was being ran at various car dealerships. I did not inquire about purchasing any new vehicle anywhere. There were a total of 16 new inquiries to my knowledge. These inquiries are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries ARE NOT authorized by myself! I will also be reporting this matter to Pennsylvania Attorney General Office.
Product: Debt collection

This company UCB XXXX ( XXXX ) XXXX called my mother and father regarding my debt with XXXX XXXX XXXX XXXX. They told my father that I owed money and told him the exact amount, which he texted to me. That is entirely unethical and illegal and I want them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered a consumer credit transaction with US DEPT OF ED/GLELSI and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that US DEPT OF ED/GLELSI claim I owe. US DEPT OF ED/GLELSI has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Debt collection

I have no knowledge. it has been disputed on several occasions and has never been confirmed as my personal debt. This debt is not mine, it could belong to someone with a similar name or address. 
Credit Report 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: Mortgage

I have been trying to work with Specialized Loan Servicing in order to obtain a loan modification. All the documents were sent via EMAIL to them on XX/XX/2019. 

I followed up and was told only a question needed to be answered regarding my husbands employment. 

Then I receive a letter that I am missing documents. They are ridiculous. They are telling me that I need to have my profit and loss statements stamped by an accountant. This is NOT a requirment in order to receive a loan modification. 

Then they tell me they have to verify my husbands address ; 3 different ways are possible, drivers license, utility bill or CREDIT REPORT. Do they not realize my husband signed an authorization for them to CHECK HIS CREDIT REPORT? 

They do not now what they are doing.
Product: Debt collection

There was a loan originated in XXXX of XXXX through TCF as a second mortgage. Since then we went through financial hardship and the loan was supposed to be rolled together with a first mortgage. During this time span apparently the loan was not and TCF was sold out twice and now the debt is owned by Huntington. We were first made aware the debt was still owed while trying to refinance in XX/XX/XXXX, through XXXX XXXX Mortgage and the title company found a lien on our home from TCF from XXXX. I have tried to contacted Huntington on a dozen or more occasions since XX/XX/XXXX concerning documents on the history of this loan and am unable to get anywhere. I get sent to multiple departments, told the manager is on vacation or just told today that there are 87 pages of information and the only thing they will supply us with is the origination of the loan and the title with the lien from TCF. Those documents we currently have because of the title company. We are looking for documentation concerning the debt and what happened to it. Why hasn't anyone contacted us? Why say we owe it still when nobody will just supply information and documentation for the mortgage company to refinance us so we can pay the debt they claim we still owe. I am just looking for someone to assist me as they just continue to tell me I have no right to the 87 pages of documentation they have on file. Why don't I have a right to see it?
Product: Credit reporting or other personal consumer reports

I originally opened a mortgage account with XXXX XXXX XXXX XXXX Made my first payment to " XXXX XXXX XXXX XXXX XXXX by check. I was monitoring my bank account every day to make sure the check came through. Two weeks passed by, and nothing happened on account. When I got hold of XXXX XXXX XXXX XXXX, they said your loan was resold to NEWREZ-Shellpoint and the check was endorsed by XXXX XXXX XXXX XXXX and sent to NEWREZ-Shellpoint. The first payment finally cleared through. Since then, I started to make payments to XXXX on time, every month. Approximately around early XXXX I get notice from XXXX XXXX that my credit score went down XXXX points because I am 30 -60 days late on my mortgage. NEWREZ-Shellpoint is not reporting my payments to credit bureau XXXX I have a copy of all cleared payments of my bank as a proof that everything was paid on-time. NEWREZ-Shellpoint is violating a law. According to FCRA they are violating these laws : 15 U.S.C. 1681 : Governs access to consumer credit report records and promotes accuracy, fairness, and privacy 15 U.S.C. 1679c : A disclosure law
Product: Credit card or prepaid card

XX/XX/XXXX I was charged {$120.00} & {$210.00} AS NEW PURCHASES USAA Initiated Fraud Investigation WITHOUT MY KNOWLEDGE OR PERMISSION XX/XX/XXXX The charges above were for XXXX XXXX XXXX XXXX {$120.00} purchased XX/XX/XXXX Merchant Credit Applied XX/XX/XXXX {$210.00} purchased. XX/XX/XXXX XXXX XXXX Applied XX/XX/XXXX Clearly, this is done to create FRADULENT CHARGEBACKS
Product: Debt collection

I have made several attempts to resolve please delete from Diversified Adjustme-XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Please look at the attached documents as I have noticed some unauthorized inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts from my credit report under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and as a result, the account ( s ) listed below were fraudulently opened or reported : Creditor/Company : XXXX Account Number/Reference : XXXX Date Opened/Reported : XX/XX/year> Amount : {$9500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX # XXXX ; Missouri Child Support # XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX  # 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 ) ; Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Debt validation requested, please provide details of the original debt, its current status, and proof of their right or license to collect in the my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account had been deleted by experian and it has the wrong ssn on this account and the wrong balance. 
Also this account has never been verified the bureau has only sent me a copy of a bill this is not validated that the debt belongs to me or that they own this debt. 
This account keeps coming back which is violation since I never get notified
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXXXXXX XXXX XXXX XXXX
Product: Consumer Loan

As reported on Case number : XXXX, PayPal opened an unrequested and unauthorized credit line and their actions have severely impacted my credit score. When contacted, PayPal denied having opened such an account, and said they had closed all my accounts with them. However, today I received the attached statement of this unrequested and unauthorized account.
Product: Debt collection

A debt collection company in XXXX, Arizona sued me in the local court system over unpaid credit card debt. I called the debt collection company and spoke to a man named XXXX ( if my memory serves me correctly ), and told him that I can not pay the debt due to financial losses and other circumstances, and offered to pay the debt off at {$200.00} per month, stating that {$200.00} per month is as much as I can afford on my current budget. 

XXXX told me during that phone conversation that he would email me a copy of an agreement that would enable the loan to be paid off at that rate ( {$200.00} per month ). I told XXXX that I must see the contract before I can agree to it. I never received that document, and so the agreed arrangement was never initiated. 

Now, the debt collection company for which XXXX works is initiating garnishment of wages at the maximum allowed rate. If garnishment is initiated I will not be able to pay my bills and suppose I will have to file for bankruptcy - something I have not done because I have not even had the funds for the fees involved. 

This is the second time a debt collector has initiated garnishment of wages after agreeing verbally to accept monthly payments. The previous occasion was resolved through your assistance. 

Since the agreement to pay off the debt at {$200.00} per month, my rent has gone up by another {$120.00} per month. At the same time, there was no cost of living increase for me this year due to my employer 's business losses. I really do n't know what I will be able to afford for debt payments now - and my landlord can be expected to continue raising my rent yearly. 

Your assistance is much appreciated, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the accounts completely from my Credit Report : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Wednesday XXXX XXXX, I wasn't able to access my Capital One online accounts ; this unique Capital One log-in should have opened all my on-line accounts including checking, savings, IRA and credit accounts with Capital One. Even though I used the correct user name and password to log in, I wasn't allow access to my accounts. The only option offered to me through their portal to verify my identity by an alternative method was set to be through an old phone number XXXX ; this was my phone number before XXXX. 
I had no choice but to make a phone call to Capital One the next day Thursday XXXX. I was put through a series of redundant verification steps over and over through several customer service representatives in different offices. This process was complicated by the fact that allegedly I hadn't updated the phone number linked to my Capital One accounts supposedly since XXXX As a matter of fact, I did update my phone number with Capital One in XXXX and my current phone number has remained the same since that time. I have found in my e-mail account the e-mail notifications I received in XXXX confirming I had updated the phone number linked to my Capital One account. 
Please find attached as PDF the e-mail notifications regarding the successful update of my phone number in XXXX ; I am also sending an e-mail from XXXX ( XXXX ) which shows the actual phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit report that is posted in error from Hunter Warfield collection agency due to a poorly written contract between XXXX XXXX XXXX and my son. I am the co-signer on my son 's behalf. 

The property manager of XXXX XXXX started harassing me for more payments after I have already paid XXXX towards the 2-year term of a total {$8600.00}. After the manager requested more payments, we informed her we had already overpaid. She stated that the amount owed was XXXX per year. The contract stipulated that the term was for 2 years not one. At this point we discovered there was discrepancy in the agreement regarding payments. The total amount owed was worded confusingly. At this point around XX/XX/2017 my son moved out of the fraternity residence because we could not afford the new amount. After my son moved, we received constant calls and emails to pay the balance of what they thought we owed for 2 terms which would be XXXX per year. After many unsuccessful attempts to resolve this issue, we hired a lawyer who extensively explained to them Washington State law and how it works in favor of those who did not draft the contract, " if there's an internal conflict/discrepancy/ambiguity in a contract, it will be interpreted against whoever wrote it. '' Despite my attorney 's efforts, the property manager took this case to Hunter Warfield Collection Agency. This has impacted my credit score severely.
Product: Checking or savings account

TCF repeatedly sent me promotions like this that said I was going to be given XXXX for opening an account. This happened to me once with a XXXX promotion and once with a XXXX promotion. Can you please beg them to give me the promotions that I am owed for XXXX with compensation for the discrimination linked to my Aunt and Mom's XXXX.
----- Forwarded Message -----
From: TCF New Accounts 
To: "XXXX" 
Sent: Sunday, XX/XX/XXXX, 2012, XXXX XXXX CDT
Subject: Don't miss out: Your $XXXX cash is waiting


		Open an Account 	
			
	
Don't miss out:
Your $XXXX cash is waiting

Hi XXXX,

We know how busy life can get but we hope you haven't forgotten us. Did you know that when you apply for a TCF account online your information is completely protected and it only takes eight short minutes to get approval?

Time is Running Out:
We'll put $XXXX cash in your account.

Come back today and we'll give you $XXXX cash when you open an eligible TCF checking account and make 15 qualifying transactions1. What's a qualifying transaction you ask? It's simple, really. See below for all the details.

Plus, opening your account online is not only faster than going to a branch, it's just as safe and secure. So rest easy and come back to see us today.



	
Sign up in 8 short minutes

    We keep your private information completely safe
    Hundreds of branches, open 7 days a week with extended hours

Open an Account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I sent a letter regarding this inaccurate items on my credit report and not received a response yet. I feel that my dispute is being wrongfully ignored, and know request these accounts be deleted per 611 ( a ) failure to investigate these items within 30 days gives reason to remove these items from my credit report. If this issue is not corrected I will file for litigation. Additionally, my credit was impacted by the Equifax data breach.
Product: Credit reporting or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following : Transunion -Address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXFailed to provide factual information about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) account # XXXX -inquiry from XXXX -address of XXXX XXXX XXXX XXXX, NJ XXXX -address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -Failed to provide factual information about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) account # XXXX -inquiry XXXX XXXX XXXX XXXXXXXX -address of XXXX XXXX XXXX XXXX, NY XXXX -address of XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX -address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -Address of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -Address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -address of XXXX XXXX XXXX XXXX, NJ XXXX
Product: Checking or savings account

Wells Fargo charged me six overdraft fees in one day, at {$35.00} per transaction for transfers between account and three withdrawals that had shown on the ledger 3-5 days prior, with a remaining balance. {$210.00} is excessive and more than half of my weekly paycheck to a company for allowing transfers, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Vehicle loan or lease

I settled this debt with American Finance. They updated it as a payment only and left the balance on the credit file. When I contacted them to pay it they said that if I paid by check it would take two weeks to update the bureaus but if I paid with a debit card, it would be updated by the end of that week. 

I paid the settlement on XX/XX/XXXX and on XX/XX/XXXX they only updated it as a payment. This is not correctly reflecting the status of this account on my bureau and therefore a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this collection account numerous of times with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company deletes the account just to add it back months/years later after not sending validation of the debt from the previous times it was disputed. Its getting a bit frustrating having to deal with this company after they have failed to validate this debt and ignoring your letters