23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> XXXX collection agency keeps texting me and sending messages and items saying I owe an alleged debt. I responded with a certified letter requesting information purchase agreement. From the original creditor they have not done so and are harassing me and my family for someone elses debt. XXXX compliance XXXX XXXX XXXX knows this but allows her company to harass people I demand it stops cease and desist all contact with me until they show me the agreement between myself and XXXX they can not and dont have nothing
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$410.00} with MIDLAND CREDIT MANAGEMENT, MIDLAND CREDIT MANAGEMENT ACCOUNT NUMBER : XXXX. I do not have a contract with MIDLAND CREDIT MANAGEMENT. They did not provide me with the original contract as I requested along with my wet signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never received any investigation results from the credit bureaus regarding the accounts I listed even though I have sent them letters multiple times : XXXX XXXX Account # XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( Original XXXX XXXX 01 XXXX ) Account # : XXXX | XXXX XXXX Account # : XXXX -- XXXX XX/XX/21
Product: Debt collection

I sent the debt collection agency General Revenue Corporation a cease-and-desist letter. It was disregarded. The company is still in possession of and actively using my nonpublic information, and they are continuing to communicate with me via consumer reporting when XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ), cleary states that a consumer report is a medium of communication and thus subject to cease-and-desist requirements.
Product: Mortgage

Overview : Flagstar Bank made our family 's property tax payment out of our Escrow account on the wrong property. This issue has been brought to their attention, nothing has been done and no course of action has been laid out to rectify this error. Poor due diligence and over-automation has lead to Flagstar raising our monthly payment as a result of this error. I have been bluntly ignored throughout this process. 

Timeline : XXXX - I receive a piece of mail from XXXX XXXX informing us our property taxes have not been paid and are still outstanding. 

XX/XX/20 - I consult my lawyer and he confirms that Flagstar had in fact not yet paid any tax amount on our property pin #, according to XXXX XXXX. 

XX/XX/20 - Our Lender confirmed the tax payment was taken out of our Escrow account, but was paid to the incorrect pin #. 

XXXX - A case is opened with Flagstar to correct the issue. I follow up with the email address given to me by Flagstar 's Tax Department. 

XXXX - I receive an Escrow Review Statement from Flagstar Bank indicating a significant raise in the monthly mortgage payment due to the a Escrow shortage, which is a direct result from the tax payment error made by Flagstar. 

XXXX - Given no communication despite multiple emails to the email address given to me, I call and follow up and a new case is created. There are 2 cases outstanding from this issue. 

XXXX - I call Flagstar and am told thy are still reviewing, no progress made.
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 federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX, XXXX XXXX {$89.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$250.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 or other personal consumer reports

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX- inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX  inXX/XX/XXXXIm in the process of purchasing a house and this debt is preventing me from doing so. I dont have a contract with this company nor have I ever done business with them. Please have them remove their collection from my report. Thank you for your help in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I Disputed a XXXX  XXXX and XXXX  XXXX with XXXX XXXX and Experian that was reporting the furnisher was US Bankruptcy Court .The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to credit bureaus. XXXX deleted both Bankruptcies from my credit report. Experian and XXXX sent back letters stating they were both accurate and verified. I called and sent a letter to US Bankruptcy Court they sent me a letter stated they do not furnish information to any third party, including the credit bureaus. I sent another dispute attaching the letter from the court and they sent a letter stating verified and accurate and they're not reinvestigating.
Product: Student loan

I am writing this letter to request an investigation into Navients continued attempts to collect on the private student loan mentioned above, after it was cancelled as part of Attorney General XXXX XXXX XXXX with Navient ( see attached XX/XX/XXXX media release ). I am seeking a resolution where Navient immediately ceases these unlawful collection tactics and returns all illegally collected student loan payments to me. My records show that I have made {$3400.00} in student loan payments on this loan from XX/XX/XXXX through XX/XX/XXXX. 

During a telephone call today with XXXX XXXX at Navient, I was informed that Navient removed any applicable bankruptcy reference from this loan on XX/XX/XXXX. She said that it appeared a cosigner ( my elderly XXXX old mother ) had been added to the loan at some point, but that it was not clear when that happened or why she was now responsible for the loan. She could not tell whether the loan was in default or whether it was cancelled. It should be noted that we have no record of my mother ever being added as a co-signer to this loan, and Navient has failed to produce her signatures on any documents despite being asked to in letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was put on hold for several minutes, and then told to wait while being transferred to someone else who could help. After waiting on hold for over 20 minutes, Navient disconnected the call. 

My understanding is that this private loan qualified for relief under the XXXX XXXX XXXX, and that there was nothing I needed to do to receive restitution or cancellation. I never received a notice from Navient about restitution or cancellation, and since the date of the settlement they have only sent us collection letters demanding repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called by XXXX XXXX  yesterday letting me know that the information on my auto draft was incorrect and that my payment for XX/XX/XXXX was returned, resulting in a 45 day late fee in which they admitted was an error on their part but never contacted me to correct until XX/XX/XXXX on which all was fixed and paid up with a late charge refund. 
I would appreciate this being taking off each of my credit reporting agencies.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Checking or savings account

Navy Federal has placed a block on my account and denied my claim. When I requested resolution or requested that a Detective from the local police department contact them, they refused, stating that the two separate departments, that are handling my claims, are in separate divisions and that I would need to wait until it is resolved. I explained one department denied my claim. They denied my claim based upon false information because the other claim has not been completed as of yet. Nor are we even allowed to send in information. I requested a fax number. I was told they dont need any documentation. This is insanity. Basically the security and the fraud departments within Navy Federal do whatever they wish to do without any regard for the customer. They freeze. They block. They dont allow you access to any money you may have within your account and they purposely block you from seeing any balances or direct deposits and the security department refuses to even speak to the consumer.
Product: Checking or savings account

Ok I'm not sure if it was key bank or XXXX XXXX XXXX  but back when Covid the pendemic I had fail for unemployment and I was homeless so I rented hotel rooms and they was asking for a high amount of deposit for the room in case I smoked cigarettes or XXXX  which I never did either one left the e room in the same way I got it and some deposit was XXXX some was XXXX but honestly I remember now it was KeyBank they honestly robbed me for 2000 of my cash cause all my deposits was supposed to clear but the date that they was cleared they never went back into my account I called KeyBank up and they told me that I had to open another bank account so I open XXXX XXXX XXXX because KeyBank told me that if I didn't that I'll lose my unemployment which they closed my account so any money that was supposed to clear and deposited they never came back into my account I called KeyBank and they kept telling me that the account was closed due to that my funds was supposedly sent back to nyc department of labor and honestly I'm very confused cause if I transferred my account to XXXX  XXXX bank and honestly the fund never came back into the account honestly that was right at Al and would like to know how I can recover my funds
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Student loan

I submitted my XXXX XXXX annual application on XX/XX/2023. I understand these things take time, but it has now been over 7 months and my payment still has not been applied to my balance. It has also come to my attention that Edfinancial closed my loan account and opened a new one without my consent. The payment that the XXXX sent them was applied to my old account and Edfinancial has yet to transfer that payment over to my new account. They have had my payment for several months which is more than enough time to make this transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Description : I am filing this complaint against Experian due to its failure to conduct a proper investigation regarding incorrect information on my credit report. Similar to the CFPB lawsuit against Experian ( CFPB v. Experian, Case No. XXXX, XXXX ), I believe Experian engaged in unfair and deceptive practices by not following proper procedures for credit dispute investigations. 

Despite submitting valid documentation proving inaccuracies, Experian either ignored my dispute, failed to remove the incorrect information, or did not conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 

This has caused financial harm, including [ mention damages : loan denial, higher interest rates, etc. ]. I request immediate correction of my credit report and an explanation from Experian regarding its investigation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Protection Bureau and Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian has failed over four times to investigate incorrect items on my credit report. 
There is two incorrect information on my credit file which is 2 bankruptcy which is impossible for somebody to file to bankruptcy. I have a XXXX XXXX in Experian and am aware of that and they are failing to investigate the incorrect information and remove it from my credit report. I have sent them 3 registered letters and I have tried to dispute it online but no result.
Product: Credit card or prepaid card

in 2019 i had broken let i couldn't work so i called to XXXX and the synchrony bank to let them know that i wasn't able to made one because i had an car accident ( XXXX XXXX ) and then they were like happy the i let them know about. so within the following month i received a statement over XXXX dls to be paid and i called them back i explained them again my situation and then they returned the late feed but they close the account and keep me raise interest for over year and they mark as delinquent account. now i still paying every month i haven a single payment since.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report. Please remove these accounts from my report and they are hurting my ability to obtain credit. 

XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a member of creditkarma.com and get emails from them on a regular basis. On XX/XX/XXXX of this year I received an email urging me to check my " ID monitoring '' page. I went to the page and saw a username I use on a variety of sites displayed there ( actually 4 of the 7 letters were displayed but I knew what is was instantly ). I was upset and curious as to how they found out a username ID that I use. I did *not* authorize them to do any identity monitoring - I got this account to view my current credit score because this site is free. 
I immediately sent a message to credit karma asking how they got this information. I subsequently sent 2 or 3 followup  emails. It is now a month later and I have not heard back anything from them. The only phone number I was able to find never answers and hangs up immediately.
Product: Credit reporting or other personal consumer reports

clerk of the courts verified that they did not give out the information for the bankruptcy reporting on my credit reports and should be removed
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
I want the CFPB to publish this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute this account several times with all 3 credit bureaus on many occasions. I have even filed a complaint with you guys once before as well. I have provided the bureaus with my FTC report, Denial letter, Police report, as well as their reporting errors as well according to all 3 reports. Last attempt disputing was XX/XX/2022, each bureau stated that account will remain on credit file and will be updated. If update was supposedly done, then why information is reflecting differently on each report?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records I, therefore, request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. Name : XXXXXXXX XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Accounts : XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX Balance : {$650.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$1100.00} ; Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX credit report on XX/XX/year>, and I noticed credit card utilization posted on my credit report.Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer report, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ) the term consumer report does note include - ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me cue to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

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