23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XX/XX/XXXX I was initially contacted by XXXX XXXX and their collection company. I began to be harassed constantly at work, home and was placed on notice from my job because of the constant calls. I informed them that I had just begun the new job and prior to that was homeless and unemployed. They continued to harass me and threatened wage garnishment. I filed a complaint against both companies with CFPB and the Attorney Generals Office. The company responded that I would be given a temporary postponement because I had just gained employment. Although this was the response given to the both the AG 's office and CFPB I continued to be harassed by the company and had to submit packets every 4 months showing when I began employment and when I would reach a year. In XX/XX/XXXX I received notification from both companies again stating that a claim of wage garnishment would be filed with my work. I again continued to be harassed with calls and notifications and I explained that I had no money to pay them. I again filed complaints with the AG 's office and CFPB because they were unwilling to work with me. On XX/XX/XXXX I was notified that I would be allowed to have a wage garnishment hearing and on XX/XX/XXXX I received notification that the company could take 0 % in wage withholding because of the hardship it would cause. After the notification was received I began to be harassed again by both companies. They continue to call me on a daily basis and on XX/XX/XXXX sent notification that they will be placing a Order for withholdings again!!! It has been less than 3 months since my hearing where it was stated that they could not take wage earnings from me and again they are harassing me and attempting to get an order against me.
Product: Debt collection

Dear Sir/Madam, I just received a debt collection letter dated on XX/XX/XXXX from State Collection Service , Inc. XXXX XXXX XXXX XXXX, XXXX WI XXXX for {$30.00} to my mailing address at XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX. The letter indicated the past due account have been referred to its office for debt collection. 
I initially made an appointment for XXXX on XX/XX/XXXX @ XXXX with XXXX XXXX XXXX XXXX XXXX Hospital XXXX XXXX for preliminary XXXX a ( XXXX ) XXXX at XXXX XXXX XXXX , XXXX XXXX XXXX XXXX CA XXXX. But I called their office at the number stated above may be around ONE week prior to the appointment date to cancel the appointment because I did not want to go through with the XXXX after consulting with friends and family. The secretary on the phone reaffirmed me that the appointment has been cancelled and I had nothing to worry about because there will be no XXXX. 
Now, 6 months later today on XX/XX/XXXX, I received their first notice of payment of {$30.00} through this credit agency. Why did the secretary tell me it was cancelled and still billed for for an office visit I did not go to? I 've never received any bills from XXXX or any written notification from their office for this {$30.00} bill either to my mailing address ( XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX ) or my home address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX ) until now through this collection agency. 
This is NOT good for my credit nor is it fair for me. I am going to mail the {$30.00} payment to State Collection Service, Inc. today. But please request XXXX Hospital to remove this from my credit history as it is clearly NOT my fault nor was I aware of what has transpired. Thank you in advance for all your help in this matter. 

Sincerely, XXXX XXXX XXXX Creditor : XXXX XXXX XXXX Client Account Number : XXXX Service Date : XX/XX/XXXX Account Balance : {$30.00} Total Amount Due : {$30.00} From : State Collection Service , Inc . 
XXXX XXXX XXXX XXXX, XXXX WI XXXX Phone Number : ( XXXX ) XXXX or Toll Free ( XXXX ) XXXX Hours : Mon - Thurs XXXX - XXXX Fri XXXX - XXXX, Sat XXXX - XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I got an email from my bank a statement that I asked after my husband died on XX/XX/XXXX on XXXX and we found 51 transaction ACH on 7 months for a total {>= $1,000,000}. 
After that we called to the Bank to ask what happened with the money they said sign that you didn't recognized all those tracaction and I did and resend 2 pages signed by myself, the bank said take 45 to 90 days to find what happened. My husband and me the last time that went to U.S.A was on XXXX of XXXX and left on XX/XX/XXXX to XXXX. 
On XXXX XX/XX/XXXX we got an email that there isn't an error and the investigation is completed and no error not occurred. now they received the compliant on XX/XX/XXXX and concluding an investigation on 11 days? On that time the account wile they are investigating was blocked, on XXXX XX/XX/XXXX we got an email to call to the bank and unlock the account and we did the balance was {$13000.00}, the strange or a mistake that the bank did was that they accepted 10 transaction of a small amount less than XXXX dollar each one and those trastastion were almost a similar or the same numbers to the high amount, but the bank didn't gave back the small amount, I worked an entire life to have that money and never my husband used a computer to do that, he just write a normal check and cash here in XXXX. We found that those translation you must be on U.S.A to do that. I will attach all the statements, the decision of the bank that was so poor giving just a date the amount and a combination of number and letters but not a receiver. WHO WAS A RECEIVER I ASKED TO THE MANAGER HE SAID I DON'T KNOW. 
I trust that the bureau will be so honest with me. 
Notice that on some transition of {$3000.00} were received by a company called XXXX company????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple documents to report fraudelent inquiries refuse to remove say they didnt receive documents last documents received 90 days ago but I have confirmation via fax and certified mail they have documents
Product: Debt collection

As a result of a CFPB complaint filed on XX/XX/2019, regarding incorrect information being reported on my credit report, FMS Inc. advised that they were in possession of eight outstanding accounts with an original creditor ( XXXX XXXX ). It should be noted that this alleged debt started showing up on all three of my credit reports without any prior notification from FMS Inc. showing sufficient verification/evidence ( specific doctor appointments, ER visits, XXXX reports, etc. ) of the alleged debt. I have reached out to FMS Inc. on numerous occasions and they have failed to respond.
Product: Credit reporting or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX, FL XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have contacted XXXX, TransUnion and XXXX  about a collection Debt for XXXX XXXX XXXX XXXX it shows the debt opened XX/XX/2016 with XXXX. The Creditor has referred me back to XXXX for any documentation. The collection does not belong to me. The original creditor has not been able to assist me I have submitted two disputes and the only reply I receive from the credit bureau is that it is validated.
Product: Credit reporting or other personal consumer reports

credit reporting wrong things being verified then changed, reverified, and put back on the report? TransUnion has done this a few times to me whereas the other reporting companies do their reporting responsibly
Product: Credit card or prepaid card

On XX/XX/2023 at XXXX XXXX. I received a text from Macy 's Security Alerts, " Your macys.com email address has been updated. Didn't request this change? Contact Customer Service at XXXX. '' I contacted the number, and they kept telling me they were unable to help me because the email address I gave to them wasn't in their system. This is exactly the issue I was calling about. Someone changed my email and took over my account, making purchases. They finally took my phone number and accessed a portion of my account and said they removed my Macy 's card from the account. I asked them to remove all of the cards associated with the account and they said they couldn't do that without my email address. My husband works in XXXX. There is a way to look up the old email address to see what activity has been going on in an account, even when an email address has been changed/compromised. We kept going in circles. I requested a manager or someone who could understand what I was asking. They disconnected me. I called back, waited XXXX minutes and finally talked to someone who then told me that HE removed my card from the account. Someone had allegedly already removed it from my account the first time I called, so now I have zero faith that the card has been removed. They told me they would send a new card. I asked to speak to a manager/supervisor, and I was again disconnected. I need someone to remove all of the credit cards associated with my Macys.com account.
Product: Debt collection

I started receiving calls from the company, but did not answer because I always was working during those times. There was no information about what they were trying to collect, and I have received many spam calls. I never received a written letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back XXXX XXXX has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. 


The account listed below has violated my federal given consumer rights to privacy amongst other things. 


Account name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX  Account # XXXX Account name - XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, 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. It also states 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 undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!
Product: Credit card or prepaid card

I'm not swayed that the bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The bureaus are reporting inaccurate information on AMEX - AMERICAN EXPRESS BANK , FSB. Also, I tried contacting the bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

AMEX - AMERICAN EXPRESS BANK , FSB XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXX 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: Mortgage

We have been trying to get reviewed for a loan modification for more than eight months and we have been given the run around they do not return our calls do not review the documents in full and then they always say there is something missing or that they are not able to accept our income. We have been treated rude and with the most unhelpful attitude. We feel hopeless and that the bank is only looking to forclose instead of helping to resolve our delinquent account due to unfortunate events. Please help us. WE would like to keep our home. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX  Account XXXX XXXXXXXX has violated my rights. 



15 USC 1681 section 602 A states I have the right to privacy.

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

Disputes were sent out on XX/XX/year> and noting was removed these medical bills are a violation of my consumer law please remove all of these or I will pursue legal action against Credit bureaus and CFPB!!!! 


XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

Under 15 US Code 1681a ( 3 ) medical collections are in violation and can't be on any credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. These account are reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. 

( XXXX XXXX, XXXX XXXX )
Product: Mortgage

I have a loan being serviced by NewRez. I requested an appraisal last year which was completed in XXXX of XXXX. I calculated my XXXX to be 80 % in XXXX, and requested removal XX/XX/XXXX in writing. I received no response for XXXX months. I followed up XX/XX/XXXX, and was told that I would be hearing from someone. I am currently at 77.4 % XXXX, which should have triggered automatic removal. 

I called again today XX/XX/XXXX, and was told that " my investors '' decided to make the XXXX required to remove PMI 75 %. I understand there are laws which govern PMI, and NewRez is breaking those. Further requests for them to follow the law have been unsuccessful.
Product: Debt collection

I received a complaint in XX/XX/XXXX from Midland Funding LLC assignee of XXXX Bank XXXX. I answered the complaint to state it was not me. The matter was dismissed. Again now in XX/XX/XXXX I have another complaint from Midland Funding LLC assignee of XXXX Bank XXXX. I had to spend money again to answer the complaint and I have to miss a day to spend it in court. I want them to stop sending me these complaints.
Product: Debt collection

This account was taken out back in XXXXXXXX XXXX XXXX I have dispute this account several times, which has come back accurate. I have ask for further investigation [ re investigation } which i have never receive, account still shows on my credit report. nothing has been done, no proof of ownership has been send to me. I am not the owner, I am not responsible for this account. please reinvestigate for further proceedings
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Also Known As : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts on my credit report. 

XXXX. Us dept of educationXXXX XXXX XXXX Us dept of educationXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Legally paid in full for less than the full balance ... this is a false and inaccurate statement that Experian declines to remove from it's records, and I recently received a letter stating that they will not reinvestigate this claim again ... yet they have failed to forward me any document or original contract with my signature or a name of the verifier ... this is against F.C.R.A. law and violates my rights ... this was not a charge-off or collection ... I paid this account as was agreed upon ... 

XXXX XXXX XXXX  XXXX
Product: Prepaid card

I was given a {$25.00} American Express gift card as a bonus from my work to spend on Thanksgiving food. I've had trouble using these in the past and have been told by AmEx customer service that they work more consistently when added to a virtual wallet. When I received this card, I tried adding it to my XXXX XXXX, but was unable to do so. I also tried purchasing a XXXX gift card and was declined. I called customer service and they said that a security measure preventing cards from being added to virtual wallets was removed from this particular card ( why it was in place, I don't know. They were the ones who suggested adding it to a wallet in the first place ). After that call, I was able to add it to my XXXX XXXX. However, when I checked the balance online it said it was {$24.00} rather than the full {$25.00} due to a pending transaction with XXXX. I talked to customer service & they said that charge would go away on XX/XX/year>. On XX/XX/year>, I attempted to purchase a {$25.00} gift card at a local liquor store ( XXXX 's in XXXX ). The purchase was declined and when I logged in to check the balance, there was another XXXX cent pending charge to XXXX. It feels like AmEx is trying to make it difficult to use their cards ( and certainly difficult to use the full balance ) so that they can skim the unused balances.