23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Today I received two calls from XXXX ( XXXX ext XXXX ) stating I owed {$450.00} on my comenity rewards mastercard. That the reason I had not received any bills is because they are now coming inside catalogs and are probably being thrown away. He said I have received one late fee of {$30.00} but could not pull up my charges. Also stated that when he tried the website froze. 

I hung up with him ( asking if I could call back - I did not ) and called XXXX/Comenity myself. I found out they had no record of my XXXX bill being delivered, so this fraud stole my XXXX bill somehow. My actual charge was much less. I paid it off and closed my card. This person and whomever they work with should be arrested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. 

On XX/XX/2022 a XXXX XXXX Credit Card account was opened under my name without my knowledge or consent and a XXXX dollar credit card was used and left a XXXX dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to refinance my vehicle and was denied, the bank told me I had an unresolved charge off with Lending Club. I contacted them and they said I had to contact who bought the debt and they would update my credit report. I contacted Velocity and they said they can not update my report but will send me a release of claim showing my payment and the account is paid and settled. I sent that to XXXX  for review. They did not update the status of my account to Paid in Settlement, it still shows closed and written off.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding XXXX unauthorized hard inquiries that have been reported on my credit file. These inquiries were made without my knowledge, consent, or any valid contractual agreement, and they violate my consumer rights under federal law. XXXX has had multiple issues with breachs and I need it fixed so I can move on with opportunities that were taken from me.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, hard inquiries may only be made with my written authorization. I have not provided consent for these inquiries, nor have I entered into any agreements with the entities responsible. As such, these inquiries are in violation of the FCRA, which mandates that only authorized and accurate information be reported on my credit file ( 15 U.S.C. 1681e ( b ). 

Moreover, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), these unauthorized inquiries constitute a privacy violation, as they were made without my express permission and without a valid contractual relationship. The inclusion of these unauthorized and incorrect inquiries has caused significant harm, damaging my creditworthiness and denying me financial opportunities. The emotional and mental distress caused by this situation has been profound, as I have lost trust in the companies that acted as fiduciaries but failed to uphold their duty to act in good faith.

I request immediate investigation and removal of these erroneous hard inquiries from my credit report, as they are unlawful, inaccurate, and detrimental to my financial well-being. These inquiries must be removed to ensure the accuracy of my credit report, as required under the FCRA and related consumer protection laws.

I look forward to your prompt assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information they are submitting is wrong XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX - {$350.00} this information is inaccurate - contacted office reporting wrong information XXXX  - $ XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- this information is inaccurate - contacted office reporting wrong information XXXX XXXX XX/XX/XXXX, XX/XX/XXXX {$1400.00} -this information is inaccurate - contacted office reporting wrong information XXXX  - {$18000.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - information is incorrect - contacted office reporting wrong XXXX XXXX  XXXX XXXX {$3000.00} XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - information incorrect - contacted office reporting wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX ....
Product: Checking or savings account

Dear Navy Federal Customer Service, I am writing to formally request the immediate lifting of the freeze on my account and the unfreezing of my debit and credit cards. I was recently informed that my account was closed due to an excessive number of disputes. However, I believe this action is unjust, especially considering my circumstances. 

I have scheduled XXXX XXXX  in XXXX days, and my husband relies on Navy Federal for his monthly pension payments, which are directly deposited into our account. This unexpected freeze has left me without access to my funds, creating significant financial stress and hardship. 

I kindly ask that you review my account and consider lifting the freeze so I can access my available funds. I plan to seek a new banking institution shortly
Product: Credit reporting or other personal consumer reports

First and foremost, I want to emphasize that my right to privacy is of the utmost importance. I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy.

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim. 

Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 

XXXX XXXX XXXX XXXX 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

XXXX Credit Card serviced by XXXX XXXX. 

We have literally contacted XXXX 3 times regarding a payment of XXXX   DOLLARS. 

The entire account balance was {$2.00} due We have PROOF the payment was made ON TIME and yet XXXX has failed to reflect that payment on the account. We have emailed XXXX over the past 60 days attempting to get the payment posted and applied to the account They reply to the email that they can not discuss the account via email. However when we try to call XXXX XXXX the hold time is HOURS. 

Today XXXX just reported the account as PAST DUE after we again contacted XXXX asking them to update the account. Instead of helping us resolved the issue they reported the {$2.00} to the credit agencies. 

Other than this {$2.00} I have a perfect credit score of 100 % on time payments which is now marred with a 30 day late pay for a payment that was MADE ON TIME!!
Product: Mortgage

Received Agreement for Modification, Re-Amortization, or Extension of a Mortgage on XXXX XXXX as we were previously approved. Details include : Returned signed/notarized documents XXXX XXXX Reduction payment made XXXX XXXX New XXXX payment to be effective XXXX XXXX XXXX XXXX I think RMS called but no message was left ; at the time I did not have RMS phone number in my contacts. The call was not answered as it wasnt recognized. 

XXXX XXXX Generic email from RMS received indicating to call re : my correspondence ( no addl info on what it was in reference to ). Called XXXX the same day but the RMS rep could not find any notes of why I was being contacted. Since RMS bought our mortgage from XXXX recently, we concluded it must have been an issue with payment not being received from our property insurer. I had no reason to believe there was any other issue. 

XXXX XX/XX/XXXX Called RMC as no change was seen with our payment amount. Spoke with XXXX in RMS customer service and she was able to tell me there was a mismatch on the dates of one of the forms & our recast request was closed because RMS couldnt reach us to resolve an issue. She said the package would likely need to be redone so I requested a new one be resent. 

XXXX XXXX No package/further correspondence was received so again called same number above & spoke with XXXX in CS. He said the Errors & Omissions document had different dates on the signing between my husband & me and that they needed to match. I again asked the package be redrawn & sent so we could move forward. He stated he would make the request & see if it could be expedited. 

XXXX XXXX Nothing received. I tried to call again but after over an hour wait for a call back, my call was disconnected. I utilized the online request and received an email back that someone would be in touch with me. 

XXXX XXXX No response was received so follow up was sent to XXXX XXXX who XXXX the original recast agreement last year asking for an updated agreement. No response as of XXXX XXXX. 

The recast/reamorizitation was approved in XX/XX/XXXX ; the delay in receiving a revised agreement is costing us $ XXXX ; to date were at almost {$1000.00} overpayment. If there was an incorrect date on our part it was our error. However, there has been no response to assist in correcting in 5 months. 

A cut/paste saying you will contact us is NOT resolution. Sending an updated agreement for recast/reamorizitation is what is needed so we can reexecute the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with Experian on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there was a incorrect payment history in this Account : XXXX XXXX XXXXXXXX XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and hoping that this XXXXXXXX XXXX XXXXXXXX XXXX Late Dates : XX/XX/XXXX, XX/XX/XXXX, XXXX days late will be removed.
Product: Debt collection

I contacted this company on XX/XX/XXXX at XXXX because I received a call on XX/XX/XXXX through voicemail from a women named XXXX XXXX from a company by the name of Mercantile Adjustment Bureau that it was an attempt to collect a debt. I called on XX/XX/XXXX and gave them some pin number XXXX left on my voicemail. I was told that I had a debt of XXXX and something and they were collecting on behalf of XXXX XXXX. I never received a letter in the mail verifying any information that I have a debt with company. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. I would like verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance Owed : {$71.00} XXXX XXXXXXXX XXXX Balance Owed : {$250.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5300.00}
Product: Mortgage

We were approved for a modification from Wells Fargo in XXXX of XXXX. IRS started to garnish our wages again and then placed a tax lien on the house 4 months after receiving the modification approval from Wells Fargo. We became behind again on our bills. We contacted Wells Fargo to see if we could make arrangements to bring the account current. I inquired about the modification and the XXXX for Wells Fargo stated we did not have a modification on file and to submit an application for modification. We submitted the documentation for consideration. We went through the process and later they stated we could not receive a modification because we had to wait 2 years under the program guidelines since we received a modification. They later sent us the documents from the XXXX modification ( attached ) stating we need to sign them and mail them back. 

We reached out to an attorney 's office for assistance and they could not locate the modification/documentation filed with XXXX XXXX. The attorney 's office contacted them about the issue. Each time Wells Fargo stated something different. We submitted numerous modification request applications for them to consider and attended the mediation at XXXX XXXX court house. No luck. We filed Bankruptcy XXXX ( XX/XX/XXXX ) to stop them from foreclosing on our house on XX/XX/XXXX. We went through several different processes they claim we had to do in order to receive a modification again. We went through the process and provided the documentation. They also requested we sign the XX/XX/XXXX documents to file the old modification in order to consider our new request for medication/application. We did it numerous times and after the 2 year period to be considered again. They still claim nothing has change regarding our circumstance and they can not approve a modification for us. 

We reached out to them again in XXXX to consider a modification or to see if they had other options to keep the house ( add balance to loan, etc. ). They said we could complete some forms ( Mortgage Assistance Application, XXXX XXXX, etc. ) and submit them for consideration. We submitted the forms to Wells Fargo on XX/XX/XXXX and no word from them regarding the modification. However, we received a letter from their attorney notifying us that they plan to sale our house on XX/XX/XXXX.
Product: Debt collection

I have been contacted by phone and mail by a company allegedly called XXXX XXXX and XXXX. The messages claimed there is a complaint that would lead to litigation. They finally contacted my sister to find me. I called them, and they said that in XX/XX/XXXXI had a Bank of America account which I abandoned, leading to about {$800.00} of interest, and she ( " XXXX XXXX '' ) asked if I wanted to settle with the initial owed, about {$300.00}. I asked why this hadn't been brought to collections, shown on a credit report, etc. XXXX said the company chose not to take that route. She gave me a false bank account number ( I found my old one and it doesn't match ), and she had my true social security number, address, phone number, and the numbers for my husband and sister. Bank of America will not speak to me without a current account number.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items.

However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.
Product: Student loan

Lost my job in which I was able to afford to pay back my student loans and now I am currently under employed part-time. I completed a deferment application and was denied the possibility to re-pay my student loans at a later date in time. I need your help in it getting the bank to work with me until I can find a employment that will enable me to make the proper payments.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters. 

I have made several attempts to report and have fraudulent items removed from my credit file. However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 
It is unacceptable that such discrepancies persist despite being brought to your attention multiple times. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist. 
Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data. 

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue. 

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits. 

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future. 

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX XXXX XXXX XXXX : {$4800.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$640.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$46000.00} XXXX XXXX XXXX Balance Owed : {$6300.00}.
Product: Debt collection

On XX/XX/XXXX, I purchased furniture from XXXXXXXX XXXX XXXXXXXX online. They charged my Credit Card through XXXXXXXX XXXX  My furniture was delivered. Several strange transactions happened during the week of XX/XX/XXXX, the company would charge my account and then take the charge off. I was very confused about what was happening. However, since I had my furniture and was very busy with work I moved on. 

In XXXX of XXXX, I was contacted by XXXXXXXX XXXX XXXXXXXX. They said that during an audit they made a mistake and I was undercharged. I told them that was between them and my XXXX Credit Card Company. I contacted XXXX and was informed that XXXXXXXX XXXX XXXXXXXX had 120 days from the date of purchase to report any errors. I am in good standing with XXXX and the rest of my credit. 

XXXXXXXX XXXX XXXXXXXX sent their problem to a collections agency, Clear Recovery. Clear Recovery sent me a letter demanding the money. I told them no, that XXXXXXXX XXXX XXXXXXXX is responsible for the error and they use this as a learning tool. Clear Recovery requested a screenshot of my Credit Card transactions from XX/XX/XXXX. I told them no way and that if XXXXXXXX XXXX needs a screenshot of my Credit Card on the transactions that were completed on XX/XX/XXXX, they have an accounting problem. I did offer to give them the XXXX reference numbers of the transactions but neither XXXXXXXX XXXX nor Clear Recovery wanted those. I am sure that since the 120 maximum days to report errors to XXXX have expired that this would not matter. 

I do not use XXXXXXXX XXXX XXXXXXXX for credit accounts nor will use them to purchase furniture ever again. Please give me relief from XXXXXXXX XXXX  and Clear Recovery so can move on with my life.