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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX  Account Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account # XXXX ). Despite prior dispute attempts ( letters dated XX/XX/XXXX and XX/XX/XXXX ), Equifax has not corrected the errors, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Inaccuracy : High Balance : {$200.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 60 Days Creditor Remarks : Closed or paid account/XXXX  balance ; Account closed by credit grantor Evidence of Discrepancy : The reported late payments for XXXX and XX/XX/XXXX contradict my financial records. These errors are unjustified and damaging. 
Legal Violations : FCRA Violations : Failure to ensure accuracy in consumer credit files ( 15 U.S. Code 1681i ).

Failure to notify and adhere to proper payment cycles ( 15 U.S. Code 1666b ).

TILA Violations : The inaccurate reporting undermines the purpose of the Truth in Lending Act to ensure transparency and fairness.

Desired Resolution : Immediate removal of the late payment notation from my credit report.

Written confirmation of the correction. 
If this issue is not resolved, I will escalate my complaint to the CFPB and pursue legal action if necessary. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Collection Agency : Southwest Credit Original Lender : XXXX XXXX XXXX XXXX XXXX ) Date Assigned to Collection Agency : XX/XX/XXXX Amount owed {$360.00} ***I have disputed this account with XXXX XXXX XXXX and XXXX previously. All disputes came back as the debt is verified as mine. I have called XXXX. XXXX has no record of me either previously or currently owing any debt to them. On XX/XX/XXXX, I spent over an hour on the phone with XXXX. XXXX shows no record of me owing this to their Roadside, Membership, Insurance department, this was also investigated by a XXXX  XXXX who was not able to return any information for this debt. XXXX further says that they do not use Southwest Credit as their collection agency and only uses XXXX for collections, and that this debt must have been sold to Southwest. I requested for XXXX to send/email me this information, that they have no record of me ever owing them. I requested this so that I could send it to the collection agencies to have this debt deleted. XXXX states they would not be able to provide me with a letter stating this. XXXX states they need more information on the debt and suggests that I call XXXX to collect more information and then to call XXXX back with this information so they can research it further. I told the representative at XXXX that it seems they are wanting me to provide proof that I owe this when the burden of proof should be on their company since they are listed as the lender for this debt on my credit reports. 

***I called XXXX XXXX XX/XX/XXXX. XXXX says they have no record of any debt assigned to my name and that they do not sell their accounts from XXXX and suggests I call XXXX for this issue. 

***I called Southwest Credit on XX/XX/XXXX. Southwest was only able to provide a file number, amount owed and date of delinquency and asked how I would like to pay the amount owed. Southwest states they do not have any further information to provide. The representative also states that XXXX does use Southwest for collections and that he is not sure why XXXX would say they do not use their company. The rep at Southwest then referred me to their XXXX XXXX department where I could leave a voicemail for someone to contact me regarding this debt. I did leave that voicemail.
Product: Vehicle loan or lease

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Transunion : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian Is still reporting inaccurate information on my reports- there has not been any verification sent just all generic responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information has changed for my credit score to drop from XXXX to XXXX. I called my mortgage company NewRez whom have been constantly harassing me about refinance my mortgage, when I made it clear Im not interested right now. I just finished a modification with them last. 
I can think of any reason why reporting on my credit would cause my score to soar so low in matter of months. 
Please advise thank you.
Product: Student loan

I can not contact a live human. I am trying to end the forbearance of my loans but I can not contact a live person to do that. I spent 30 minutes this morning contacting the number under Public Service Loan Forgiveness - https : //www.mohela.com/DL/common/contactUs.aspx - only to learn once I contact someone that I had called the DoE. Nothing on the website informs you that you are contacting an outside agency. I was not able to contact a human using main number listed - XXXX - despite 5 attempts. I kept getting disconnected. I am unable to address my issue, this will be very costly for me.
Product: Debt collection

I never RECEIVED communication or summons from the third-party company MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX On XX/XX/2023 I just received notification from Michigan Department of Treasury Withholding Unit that the third-party company MIDLAND FUNDING LLC XXXX XXXX will receive {$1400.00} dollars from my Tax Refund. I also just received notification from Michigan Department of Treasury that the plaintiff XXXX XXXX XXXX XXXX XXXX is representing on behalf of the Third-Party collection agency. Ive found multiple violations that the plaintiff and company MIDLAND FUNDING are participating in. I also informed the Michigan Department of Treasury of the unlawful debt collection practices occurring. MIDLAND FUNDING LLC XXXX  XXXX XXXX XXXX XXXX NEVER gave any verbal or written consent to garnish wages, nor collect any debt. I do not owe any debt to this company, nor is the debt reporting to any consumer report. It is also a violation of federal law, the Fair Debt Collection Practices Act ( FDCPA ), for a debt collector to threaten that your wages will be garnished if your wages can not legally be garnished. DEBT COLLECTORS AND CREDITORS ARE NOT ALLOWED TO SUE ME WITHOUT GIVING ME NOTICE THAT I HAVE BEEN SUED. All lawsuits require proper service; meaning the plaintiff must provide the defendant a copy of the complaint against them and a summons, in which I never received until Tax Refund was OFFSET.

1. A debt was never owed to MIDLAND FUNDING LLC XXXX XXXX ( NOT ORIGINAL CREDITOR ). XXXX XXXX is the original creditor. 

2. I NEVER received proper service, such as Summons, Complaint, WRITTEN DEBT. 

3. This company CAN NOT and will not provide Validation of DEBT owed A debt collector is required to provide certain information when it first communicates with a consumer, or shortly after. When the debt collector provides this required information electronically or in writing, it is called a validation notice.
Product: Debt collection

In early XXXX, XXXX I returned a phone call from Firstsource Advantage , LLC looking to settle a debt I owe XXXX XXXX. This was used as a business from business I owed that is now defunct. I made on offer to settle the outstanding balance of XXXX to XXXX XXXX. After a discussion about what was an acceptable amount, I told the agent at Firstsource that I could settle for {$2800.00} ( letter provided ) at the end of XXXX. He stated he would discuss my offer amount with XXXX XXXX. About 10 days later I received a letter offering to settle for {$2800.00} if paid by XX/XX/2020. The amount was paid on XX/XX/XXXX and acknowledged in the second letter I have provided. I called on XX/XX/XXXX to Firstsource as the second letter states that I still owe a balance of {$8900.00}! 
They are now claiming, from my recent phone call, that the amount agreed upon IN WRITING is not enough to settle. Please contact them and have them send me a " Paid in Full '' or settlement letter to close this matter.
Product: Checking or savings account

I was paid by check for work I performed. I don't have a bank account, so I asked my brother in law to deposit the check for me and he did, using his account ( XXXX ) at SunTrust ( Truist ) via mobile deposit. I didn't realize that the person who wrote the check XXXX XXXX XXXX forgot to sign it. XXXX was contacted by his bank, and he authorized the funds to be released on XX/XX/2021. SunTrust flagged the transaction and did not allow the funds to be available in my brother in law 's account. I went to SunTrust with XXXX to figure out what needed to be done on XX/XX/2021. The branch employee contacted the necessary department, and told us we needed to write a letter showing all parties involved were aware of the transaction and wished that it be honored. We wrote the letter and had our signatures notarized and faxed it to the number provided on XX/XX/2021. SunTrust verified receipt of the letter. On XX/XX/2021, SunTrust closed my brother in law 's account and gave him a check for just the funds he had in the account, not including my {$13000.00}. I went to the branch on XX/XX/2021 to ask about my funds and the branch manager stated that it was in process and I should receive them within 15 business days. Today is XX/XX/2021, I went to SunTrust again to ask about my funds, and they stated that they never received the funds from XXXX 's bank. I have verified with XXXX and his bank, and have been shown the transaction where the funds were taken from XXXX 's account. This is unfair and prejudice against me because I am XXXX. We have made every effort to do what they ask. I work hard for the money I earn and I have a family to support. I can't wait any longer for the money. Please help.
Product: Checking or savings account

I opened my TD Simple Savings account at TD Bank online in XX/XX/XXXX. I made additional deposits at the XXXX Maryland branch on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I went to the XXXX Maryland branch requesting a cashiers check. I had a balance of {$220000.00} on deposit and requested a cashiers check for {$220000.00} for a home purchase. I was informed that because there was no signature card on file for my account, they would be unable to give me access to my money. Instead, I would have to fill out a signature card and wait 24-72 hours until it could be processed. This is a problem because I need the money for closing on a real estate transaction this week! 

I was never given any kind of disclosure that said that in order to withdraw money from my account I needed an approved signature card on file. The account was opened online, which gave me no option to fill out a signature card and did not inform me in any way that I needed to go to a branch and fill out a signature card and get it approved in order to get access to my money. Nor was I ever informed that I needed to fill out a signature card and get it approved when I appeared at the branch to make deposits. The only disclosure I was ever given about getting a cashiers check is that there would be a fee of {$8.00}. The fee disclosure did not say anything about needing an approved signature card on file to be able to get a cashiers check for {$8.00}. 

I believe TD Bank 's disclosures are deceptive and inadequate. This is a trick and a trap to keep people from accessing their own money when they need it. As as result, my real estate closing may need to be delayed.
Product: Mortgage

My home has been in foreclosure too long due to my servicing company Select Portfolio Servicing , Inc . I have been trying to apply for the Home Affordable Modification Program since XX/XX/XXXX. I have turned in numerous documents requested by the specialist that is assigned to my review. Every time I call the assigned specialist there is no answer and when I speak to someone else they state I need more documents. I call once a month for an update in regards to the review and ask if there is a for sale date. I received a legal advertisement for prevention of sale date on XX/XX/XXXX so I immediately called Select Portfolio Servicing and asked the representative and she stated no sale date. Then on XX/XX/XXXX I receive Notice of Cancellation of Foreclosure Sale Date from the Circuit Court of XXXX County. When I addressed this to Select Portfolio Servicing representative she stated there was never a for sale date. I have uploaded the legal advertisement and court document mentioned.The representatives at Select Portfolio Servicing give false and misleading information to delay the modification process and keep the home in foreclosure. I have spoken with a total of XXXX different representatives there and they are deceptive and seem to be uneducated in what they do. For instance my last call was in regards to missing documents and I asked what was needed. The representative responded with XX/XX/XXXX tax return thats all that is needed. I told her the last representative yesterday said XX/XX/XXXX tax return and XXXX form. The representative responded with yes that as well. At this point I have been forced to file complaints with the CFBP, Florida State Attorneys Office and the HOPE hotline for the HAMP program in regards to the unprofessional delay in processing my paperwork for a modification The delay from Select Portfolio Servicing in regards to the modification has made me ineligible for the XXXX as well based on a conversation with a representative from there. The representative with the XXXX stated I was ineligible due to the fact that my arrears are over XXXX and my home was in foreclosure too long. As of today I have sent Select Portfolio Servicing a whole new complete packet by certified mail, fax and over there website. I have also requested in writing that my review be escalated. I also need your company to answer a question for me. The manager at Select Portfolio Servicing stated that they have an underwriting department that my paperwork will go to when all documents are received and if I have to appeal the decision after the review the appeal will go to the same underwriting department for review again. I was under the impression that if it is an appeal then a XXXX party underwriter has to process the review. So my question is can the same underwriting department with in the servicing company look at a possible modification of the loan after denying it once already?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX, XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX, XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I N A C C O R D A N C E W I T H T H E F A I R C R E D I T R E P O R T I N G A C T. T H E L I S T O F A C C O U N T S B E L O W H A S V I O L A T E D M Y F E D E R A L L Y P R O T E C T E D C O N S U M E R R I G H T S T O P R I V A C Y A N D C O N F I D E N T I A L I T Y U N D E R 1 5 U S C 1 6 8 1. 
A C C O U N T N A M E : # XXXX XXXX XXXX, A C C O U N T N A M E : # XXXXXXXX XXXX H A S V I O L A T E D M Y R I G H T S.

1 5 U. S. C. 1 6 8 1 S E C T I O N 6 0 2 A, S T A T E S I H A V E T H E R I G H T T O P R I V A C Y.

1 5 U. S. C. 1 6 8 1 S E C T I O N 6 0 4 A S E C T I O N 2, S T A T E S A C O N S U M E R R E P O R T I N G A G E N C Y C A N N O T F U R N I S H A N A C C O U N T W I T H O U T M Y W R I T T E N I N S T R U C T I O N S.

1 5 U. S. C. 1 6 8 1 C. ( A ) ( 5 ) S E C T I O N S T A T E S : N O C O N S U M E R R E P O R T I N G A G E N C Y M A Y M A K E A N Y C O N S U M E R R E P O R T C O N T A I N I N G A N Y O F T H E F O L L O W I N G I T E M S O F I N F O R M A T I O N : A N Y O T H E R A D V E R S E I T E M O F I N F O R M A T I O N, O T H E R T H A N R E C O R D S O F C O N V I C T I O N S A N D C R I M E S W H I C H A N T E D A T E S T H E R E P O R T B Y 7 Y E A R S.
1 5 U. S. C. 1 6 8 1 S - 2 ( A ) ( 1 ) A P E R S O N S H A L L N O T F U R N I S H A N Y I N F O R M A T I O N R E L A T I N G T O A C O N S U M E R T O A N Y C O N S U M E R R E P O R T I N G A G E N C Y I F T H E P E R S O N K N O W S O R H A S R E A S O N A B L E C A U S E T O B E L I E V E T H A T T H E I N F O R M A T I O N I S I N A C C U R A T E.
Product: Credit reporting or other personal consumer reports

I have been blocked from getting into my Experian account in order to place a new credit freeze. I was able to login and unfreeze it in order to sign up for a new credit card in XX/XX/year>. Since then I can not get back into my account and I am getting emails from Experian addressed to someone named " XXXX '' suggesting my account has been hacked. I am able to change my password but end up a in dark web pattern that prevents me from getting into my account. I end up on a page that says : " Sorry, there was an error.Click here to sign-in if you already have an account.Do n't have an account? Learn more about our services. 
Call us toll-free at XXXX Hours of operation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' However, there is no way to talk to a live person. Experian holds my most sensitive data and they do not have a customer support line to speak to a live person and none of the automated phone calls lead anywhere helpful. 

It is very unnerving to have a company that holds my MOST sensitive information and security card number and have no recourse in the event of an account hack, being blocked from getting into my account and put my credit freeze back when everyone 's social security numbers have been breached. 

When I got so fed up and thought the only option was to just cancel the account, the automated system sent me to another automated system and the word " Cancel '' was not even understand - so there seems no way to cancel an account that I'm concerned has been compromised. I have not tried sending them a letter in the mail because I have no faith anything would come of that wasted time based on my experience online.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer XXXX credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and fraud.