23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE. XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CMRE. XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXX XXXX Balance : {$320.00} XXXX  XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$880.00} XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NYXXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX  ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEXXXX By mail only This inquiry is scheduled to continue on record until XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX  ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DEXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  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 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission 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 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 ( in ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws.
Product: Debt collection

I don't know how to go about fixing this problem, I currently am not able to speak due to my XXXX  XXXX XXXX. I would like to set up a plan to pay this debt off. Thank you
Product: Money transfer, virtual currency, or money service

We send XXXX to a fraudulent account belong to wells fargo customer on XX/XX/XXXX. Wells fargo is not willing to give back the funds after my bank set up a request by ( recalling the money ) the same day on XX/XX/XXXX. Wells fargo wanted give my bank full responsability for the finds and my bank said they didn't did the mistake and now both banks are in dispute on who should take full responsability for those funds. I have serve wells fargo on XX/XX/XXXX waiting on respond.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Consumer Financial Protection Subject : Complaint Regarding Unfair Foreclosure Practices by PennyMac Loan Services LLC - Account Number : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against PennyMac Loan Services, regarding their unfair and potentially illegal foreclosure practices on my mortgage loan, account number XXXX. 

Until just last month, I was enrolled in a forbearance plan that was designed to protect me from foreclosure. The terms of this plan required me to check in with the bank monthly and make a payment, both of which I consistently did. My check-in was allowed at any time during the month. 

On the XXXX day of the month, I received a letter stating that I had defaulted on the forbearance plan due to non-payment. This was inaccurate, as I had made the required payment. When I contacted PennyMac today ( Mon XXXX XXXX ), I was informed that the actual reason for the default was due to alleged audio issues during my check-in call. The operator claimed they were unable to verify my employment status, even though we discussed my recent job interview. This explanation is illogical and inconsistent with the previous communication. 

As a result of this alleged default, PennyMac ] is refusing to accept any partial payments and will not provide me with the total amount required to reinstate my loan. They have stated that my only option is to pay the entire outstanding balance, which I am currently unable to do. 

Furthermore, I was informed that I do not qualify for any other loss mitigation programs due to a previous " default '' on a program that I actually completed early by bringing my loan current. I was no longer in need of the program at that time. It appears I am now being penalized for successfully resolving a previous financial hardship. 
PennyMac has provided no helpful solutions and has stated that I must wait for their lawyers to calculate the total costs to reinstate my loan. This lack of transparency and refusal to work with me is causing immense distress and threatens my ability to keep my home. 

I believe PennyMac 's actions violate the spirit, if not the letter, of fair lending practices and loss mitigation requirements. Their inconsistent explanations, refusal to accept payments, and lack of transparency are unacceptable. 

I request that the CFPB investigate this matter immediately and take appropriate action to ensure that PennyMac complies with all applicable regulations. I am seeking assistance in obtaining a fair and reasonable resolution to prevent foreclosure. 
Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I'm a college student who believes that I have been treated unfairly by my student loan lender ( Navy Federal Credit Union/XXXX XXXX . I'm a XXXX student who had to take a break from school for XXXX  reasons, and I was XXXX XXXX XXXX XXXX. As a result, my income and school enrollment was negatively impacted. XXXX XXXX did not put my loan in forbearance or deferment - instead, they tacked on additional fees ( the loan was originally XXXX but they increased the amount I owe to XXXX ), charged off the loan as a loss even though I have not graduated from school yet, and destroyed my credit, making me unable to qualify for any additional loans I would need to completed school. They also don't offer any programs for XXXX XXXX XXXX XXXXXXXX and did not offer me any pertinent hardship or XXXX accommodations for my extenuating circumstances, despite me having a history of making regular payments no the loan for extended period of time - even while I was in school. This has caused so much ruin that I don't know what to do, and believe this may prevent me from completing my formal education. As an underrepresented minority, low income student, the fact that this company is actively putting roadblocks towards me completing my education, deceived me into thinking that this was like typical student loans that I would not have to pay back until after graduation, and not offering accommodations, they are signing me up to a life of financial slavery and indebtedness that I would not be able to pay back without completing college.
Product: Vehicle loan or lease

I am making this statement as a Notary Public ( CA # XXXX ) for and by the State of California : On XX/XX/2019 my family 's XXXX XXXX XXXX was illegally repossessed from our front driveway without prior notice, either in written or verbal format, from Toyota Financial Services ( TFS ). To wit, TFS has admitted that they withheld said communications under the guise that my family was somehow on a, '' Do Not Call '' list ( false ). In any case, we have redeemed that said repossession and gotten the XXXX XXXX XXXX returned to us on XX/XX/2019. However, TFS still wants {$280.00} in " Late Charges '' by XX/XX/2019 in addition to the regular monthly payment. It is my assertion that TFS is simply trying to reconcile their accountancy system of my car 's record by getting the payment current in all costs and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the recent Equifax security breach, and believe my personal information may have been put at risk due to Equifax 's negligent security practices. I have put a fraud alert on my credit reports, but have neglected to use Equifax 's one year of credit monitoring, as I do not want to waive my right to take the issue to court if I am further damaged by this issue in the future.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration regarding the unresolved discrepancies and unverified negative items on my credit report. Despite multiple attempts to dispute these items since XXXX of XXXX I have received no satisfactory resolution from your agency.
Product: Mortgage

I have a Real Estate Agent working a short sale for me and my husband. We have a foreclosure hearing date XX/XX/XXXX. The servicer is PNC and the investor is XXXX Bank. PNC acknowledged on XX/XX/XXXX that they had received a complete short sale package. On XX/XX/XXXX PNC told us due to government guidelines PNC only has 30 days to respond to a request for a short sale and since the investor ( XX/XX/XXXX Bank ) has not responded PNC had to close the file. I was told that once XXXX Bank responds they will reopen the file. My realtor has called PNC weekly and there is still no response from XX/XX/XXXX Bank and now we are headed to foreclosure. We would like help completing a short sale.
Product: Credit card

Account-Related Errors : Several credit cards that do not belong to me are listed asDerogatory Mark Errors on my credit report. 
Wrong name listed/Personal Information Errors are noted : All XXXX BANK and CITI Credit Cards are listed under the wrong name. They belong to my ex-husband, XXXX XXXX XXXX, as part of divorce settlement.
Product: Credit card or prepaid card

This issue has been going on with my QVC Credit card via Synchrony Bank. Since I believe XXXX or XXXX maybe slightly earlier they have forced customers to use their Account Manager. 
I practice an account manager program is probably a good thing, all cards from a company can be seen all at once, however the diabolical corporate idiots decided to not only FORCE you to sign up for the use of the Account Manager you have to give up your right to have Agree to the Consent to Electronic Communications. 
I want all my communications done by mail, that way I have proof that something was sent, if they want to create a tab for Communications that would be fine. 
Prior to this I had no problem signing into my account for QVC. Then I had to remember over the summer of 2022 that I had to slide this bar or tab so that I could get around using the Account Manager. 
NOW I'M BEING FORCED TO USE THE ACCOUNT MANAGER IF I WANT DETAILS OF MY ACCOUNT AND TO SEE WHAT MY CURRENT BALANCE IS OTHER THAN WHAT MY STATEMENT SAYS. 

THIS IS WHAT I GET FROM THE POP UP WINDOW BEFORE I'M ABLE TO SEE ANY INFORMATION. 

Welcome to your account manager A simpler, faster and more convenient way to manage your Synchrony accounts. 

By using the account manager, you agree to the updated Consent to Electronic Communications. Your current communication and statement delivery preferences are not affected by this change.
Product: Credit reporting or other personal consumer reports

Please remove these inquiries. I don't have any information on them, and the company acted without my consent.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 inaccurate addresses 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 inaccurate addresses XXXX XXXXXXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint regarding refusal to investigate and remove collection accounts Dear Sir/Madam, I am writing to express my deep dissatisfaction and frustration with the lack of action taken by credit bureaus in relation to the unjust reporting of two collection accounts on my credit report. Despite my diligent efforts to rectify this matter, the credit bureaus have consistently refused to investigate and remove these erroneous items from my credit report. 

The collection accounts in question are associated with XXXX XXXX XXXX XXXX XXXX XXXX. I have repeatedly requested proof of any contractual obligations between myself and this collection agency, but to my dismay, no evidence has been provided. It is important to note that I have no knowledge or recollection of any such contract, and therefore, I maintain that I am not obligated to this collection agency. 

Furthermore, XXXX XXXX has been inaccurately reported as an active account, despite the fact that it was actually charged off and reported to the IRS as a cancellation of debt. This cancellation of debt is clearly documented in my income tax records. It is both alarming and fraudulent for the company to have filed a cancellation of debt with the IRS, yet continue to report the account as active on my credit report. 

I kindly request that you take immediate action to investigate these matters thoroughly and remove these unjust items from my credit report. It is imperative that my credit history accurately reflects my financial responsibility and integrity. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate information on my credit report, and it is the responsibility of the credit bureaus to conduct a reasonable investigation into these disputes. I urge you to fulfill your obligations under the FCRA and ensure that my rights as a consumer are protected. 

I expect a prompt response within 30 days, as mandated by the FCRA. Failure to address this issue within the specified timeframe will leave me with no choice but to pursue legal remedies to protect my rights and rectify this situation. 

Thank you for your attention to this matter. I eagerly anticipate a swift resolution that will restore the accuracy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported debts on my account a few years ago. I requested validation because I knew nothing about this - XXXX failed to validate with me after I sent them a registered letter. I sent this information to all three  credit bureaus ( equifax, XXXX, XXXX ) - the credit agencies removed the XXXX listings. Fast forward four or so years. THE SAME listings pop up once again. once again I sent a request to XXXX about these, what are they please validate. They again fail to do so. I sent this information over the the three credit agencies. XXXX deletes the listings. XXXX deletes all but one of the XXXX listings. equifax deletes NONE of the listings. This is the second time they have done this, is n't it illegal to do this again after they failed to provide validation the first time? I have the receipts from the original letter to XXXX that they received. I send copies to the credit reporting agencies of both the letter I sent to XXXX, the tracking number and the actual USPS form showing it was received and it had been over 30 days since they received it.
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 168 These companies has inquired about my credit on my credit report without my request to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681 ( 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 antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, NJ HESSA reported that my loans, XXXX, XXXX XXXX, as being 30 days late. This is incorrect reporting because they were supposed to be in deferment since I had started classes on XX/XX/2019. I contacted them and made them aware and they informed me that although my status had been updated on the national publishers clearing house it had not been updated in their system yet. I was informed that once it was the loans would go back into deferment and any negative reporting would be corrected. It is now XX/XX/2019 and the negative 30 day late for the month of XXXX remains on my credit report for all three loans listed above on all three credit bureau agency reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


XXXX Acct # XXXX has violated my rights XXXXXXXX XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX 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 a account without my written instructions