23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX at XXXX XXXX, I noticed an odd, missed call from XXXX XXXX on my cell. I called it back after hours and they said there was no record of my having any business with them. This was untrue, I learned on XXXX, the next day. I received a suspicious email in my personal inbox stating, " Welcome to your Account! ". 
I immediately contacted XXXX XXXX XXXX phone number and stated this was fraudulent as I have not nor would not conduct business with CCF Intermediate Holdings. 
I had the misfortune of being relayed to a XXXX Specialist who called herself " XXXX ''. I was immediately prompted to share sensitive information to verify my real identity, which I never wanted them to have, just to ascertain such a fraudulent account existed. I am concerned as to why the Customer Service Department was able to confirm with a first and last name, but their frauds department needed sensitive information. I explained as best I could with what little information, I had that it appeared an active account was opened in my name, email, and phone number. This is a fraudulent activity where someone attempted to open an account using Identity Theft. 
The representative was vague and disinterested, and I was shocked to receive next to zero support while the fraud department expressed the opposite. She was suggesting that my purported suspect may not be correct and rather surmised a ring of fraudsters was to blame. I asked how she could conclude anything prior to investigation and further what depth of familiarity with the matter she was not revealing that may help in my investigation. 
As a victim of fraud, I expected to receive empathy and assistance rather than a sense of opposition or minimally, being unsupported. As it stands, I do not believe the XXXX Department I just spoke about is legitimate and may even be complicit. The individual requested my social security number to validate an account which I was reporting as opened fraudulently and would not validate the address on file after I validated myself. They would not mail a copy of a fraud victim packet to my proper address either, insisting we communicate via email. I had to give another email address. This has yet to be validated or responded to. I was never given a reference number. 
Finally, this is actually and verifiably coming from XXXX XXXX XXXX, not an impersonator. There are now XXXX total credit bureau inquiries damaging my XXXX, XXXX and XXXX history and creditworthiness. This identity theft left a trail of concerns regarding cybersecurity practices and even within a company itself, what internal reviews are conducted to audit staff training and practices. This is unacceptable in XXXX  or anywhere in our country to be preyed upon twice, once by an identity thief, then again by the company 's own frauds department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago, my information was stolen and a loan was placed in my name through XXXX XXXX. However, XXXX XXXX ( XXXX ) is still on my Equifax credit line. In addition, because of this identity theft that took place, I can no longer be accepted for a personal loan via XXXX. I am writing to say that : 1. XXXX needs to erase the false information from my Equifax credit bureau history. 

2. I strongly believe that I did not get accepted for a personal loan this time around because of the past stolen identity that took over my personal & sensitive information. However, I appeal this decision. Instead, XXXX  should re-consider the loan denial and give me an actual chance of paying them back. This is NOT fair to customers at all and I will be sure to spread the word to prospective customers about the injustice I have faced through XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency XXXX not report negative information that is more than XXXX years old or bankruptcies that are more than 10 years old. XXXX XXXX XXXX reports an old debt, unverified, as a collections account on my credit report. None of the debt is verified, there is no proof of payment information. In the state of Indiana debt older than six and one-half years must be cleared from the credit report of the consumer.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> Since them the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off account shouldnt include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to di it Twice and your neglect has violated my rights. Im demanding a deletion of the following account : Account name : XXXX XXXX XXXX account number.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX is reporting late payments on my credit report every 15 days so my credit report is showing late payments up to 90 days. Spoke with the customer care rep at the mortgage company and asked why after the XX/XX/XXXX day are they reporting it late and I was informed that anything after the actual payment date can be reported. Its never 30 days late and I even sent them a goodwill letter and was told nothing could be done once they reported it. Contacted all three of the credit bureaus and was told in less than 15 days that the investigation was complete and no changes where made. I was no longer eligible to dispute again, because according to them by law they had done what they were suppose to!!
Product: Bank account or service

Called the banking center to inquire about the cut off time for a mobile deposit I made. Seems I was late by 20 min. I was denied a reversal for a overdraft fee of {$35.00}. The representative could not tell me when my mobile deposit was made and she was unsure of the posting time. I asked to speak with a supervisor ( XXXX from XXXX VA ) who was rude and short with me. I asked him to listen in on the phone call with the representative I spoke to earlier and he said he was too busy at the moment to do so. 
I 'm being charged a fee and have no real understanding of the cut off and posting times for mobile deposits as to ensure it does not happen again.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NJ XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX
Product: Mortgage

My name is XXXX XXXX, I 'm a resident of XXXX XXXX, XXXX where we were effected by the Hurricane, I called Ditech Financial for a forbearance help which I believe it 's the Law and they refused to help, saying our county was not recognized as federally disaster area, Which is Totally false. Please help me as I am overwhelmed with Repaires and I could really use this forbearance help to catch up. 
You can contact me at XXXX
Product: Checking or savings account

On XXXX I received a physical letter containing an actual debit card to an account I knew nothing about, thinking it was some form of fraud attempt I called Discovers Fraud Department at XXXX and the male representative said he checked " both sides credit and banking '' and their was nothing with my information being used. Then on XXXX I received another physical letter indicating that my email on my bank account was being changed from my legitimate personal email to an email account of XXXX, obviously an attempt at theft. I called Discover Card Fraud Department again, this time being bounced from " credit '' to " banking '', neither could see the others ' information. Then transferred one final time to " New Accounts '' and after providing her my birth month and year and last 4 of the debit card, she said yes there was an account. She said " there is something here, but without a card number I can not verify it is fraudulent '', finally after finding the card she said the person opened the account and changed information all in the same day very quickly together. Unfortunately, since I am being told incorrect information one day and then something else the other, I do not believe the fraudulent account is being closed and permanently removed from my credit report and XXXX.
Product: Vehicle loan or lease

THIS IS MY LAST REQUEST FOR RESOLUTION. I WILL FILE SUIT FOR DAMAGING MY CREDIT UNDER THE FCRA. FIRST REQUEST MADE XX/XX/XXXX Company has not reported good status updates in over 30 days. They are required under the Fair Credit Reporting Act to report status once every 45 days. They have not reported since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. ACCOUNTS : DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX, DEPT OF ED/XXXX  XXXX XXXX DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, and DEPT OF ED/XXXX XXXX. Please remove these accounts ASAP.
Product: Money transfers

I contacted Western Union to verify that money sent in the past five years was indeed received because I noticed that a recent transfer was not received and Western Union did not provide transparency. Upon my repeated calls, Western Union committed to provide such history the next day then within 20 days. They failed to deliver on this commitment and deny me of my consumer rights to verify if any of the transfers are left dormant. I no longer trust Western Union to address this issue since they claim they address my request even though I keep telling them I have never received any information. Please note that Western Union has sent unrelated emails during this period so they have the right information in their records. I conclude that they are not willing to respect my consumer rights and are retaining my information unfairly. I also find it unfair that a consumer has no transparency on past transactions either online, email or telephone. This lack of transparency and opaque systems also raise serious concerns with WU 's ability to effectively meet their Anti-Money Laundering, OFAC and BSA obligations. 

Please refer to the following WU case number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has continued to report inquiries in which some were removed and placed back on my credit report also there are old addresses on my credit report that were removed and placed back on. This is a violation of the Fair Credit Re porting Act Section 1681 b ( c ) and a serious breach of my privacy rights.
Product: Student loan

I spoke to XXXX XXXX from Navient back in XX/XX/XXXX. He requested I provide 2-3 paystubs in order to enroll in a new program. I uploaded the information and fast forward 3 months later. I keep getting calls from Ohio ( like every 30-1hr ) leaving voicemails with no message at times or leaving no vm 's at all. At first I was n't sure who it was, until It angered me and that 's where I found out it was Navient. Just to find out I was delinquent 3 months and I owe over $ 1k. Never had a problem in the past and now they are telling me im delinquent when I clearly spoke to one of the employees there. Also, to find out they never received my information. Let me remind you my personal information is on these paystubs, and to find out they do n't have anything on file for the month of XX/XX/XXXX, that 's actually scaring me. Now, Navient is asking for my paystubs again and I do n't feel comfortable doing it. I need help and I need help fast because Navient is not a friendly, helpful company to deal with. If someone can guide me the right direction that will be highly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To this day over 60 days later I have not reicieved a response yet. I feel as if im being taken advantage of and being ignored by my disputes. 
Section 611 ( a ) It is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been over days so they should be deleted IMMEDIATELY. I demand that they are removed promptly. or I will file for ligations due to the stress this is causing me. My information has gotten into the hands of the wrong person. I have filed reports with FTC Reference numbers ( XXXX ) and would like these above referenced accounts to disappear FAST!
Product: Debt collection

Today I received a Collection notice from credit card collection service. Located XXXX XXXX XXXX XXXX ma .... CCS USA Established in XXXX phone number is XXXX XXXX XXXX ... the letter was send out on XX/XX/XXXX ... PIN number XXXX ... XXXX XX/XX/XXXX ... XXXX Ok I'm a XXXX year old female that never had anything on credit or anything thing in my name ... How they sending me this collection letter to me ... I don't know what they said I owe or for what.. this letter is not telling me what I owe on anything.. So please have Credit Collection to Verify this debt.. According to the fair that collections act they need to verify this debt. According to my recollection I don't owe no one anything. This people are attempting to put this on my credit report. Which is causing damage to me and stopping my opportunity. This is a violation Of the fair debt Collections it I want to file a complaint for damages. Please help me get Remedy. Thanks XXXX XXXX
Product: Debt collection

The number XXXX is related to Chase Bank and has incessantly been calling for several months now. These calls are to the point of harassment, and a 30sec-1m voicemail is left every time. I am a consultant and can not stress how important it is to keep my phone lines open and my mailbox as empty as possible. These calls have been disrupting my work, my emotional state and have caused a lot of distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update this immediately : XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX 15 U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the following unauthorized inquiries to be removed from my credit report for the last 3 months and the bureaus have not responded to any of my letters. Listed are the inquiries that was unauthorized and needs to be removed from my credit report. 
XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, Ive made several attempts over the past two years with each credit bureaus to remove incorrect numbers, addresses and jobs on my credit report. No one has responded or followed through with my request. There is a list of different addresses with several apartment numbers, with and without unit numbers. Its all over the place.
Product: Consumer Loan

These people claim that I took out a loan with them sometime late last year, but I did hear anything from this company till around XXXX of this year. From what I know, this loan company only has my home address & our phone numbers, nothing else. They have no signatures or my social security number that I know of! They have harassed me by calling my phone numerous times a day. They some how got my wife 's number and now call her several times a day too! I do believe they have been gathering info off my XXXX. They have came by my home and have beated on my door numerous times. I have asked them to stop over and over. They have harassed some of family members. I am assuming they found on XXXX as well because they have also harassed some of my friends too! Now, that I threaten to turn them in for harassment if they do n't stop, they now are dropping notes off at all my neighbors homes and in my XXXX mail box, which I thought was federal offense.. This is rediculous that a company can get away with this type of threatening behavior.