23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted a third party debt collection agency and was discussing my account with them on XX/XX/2019. They did not read the mini miranda to me and I specifically asked them if they are a debt collection agency. They said all they have to do is state that the phone call is being recorded. The company is Harris & Harris. The phone number for them is XXXX. The amount discussed was {$4800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is trying to collect debt that is not owed. Me and my attorney pointed out all the wrongs they are trying to collect on and we have not heard from them from the last dispute and it has been over 30 days. I do not owe them anything and have never done business with them ever. I want this company investigated. Ask them to send you what they sent me and you will see it makes no sense. They are scamming consumers.
Product: Debt collection

On XXXX at XXXX hrs EST, I received a voicemail from a " XXXX '' from a XXXX XXXX telling me that I needed to return the call by XXXX hrs EST ( the deadline time was before the call was made ) threatening legal action and to have my attorney call them. They left no specific details or what they wanted or who I potentially owed money to. 

The number came in as restricted but left a call back number of XXXX
Product: Credit reporting or other personal consumer reports

Demand for Immediate Removal of Unverified Account Violation of 15 USC.

I am disputing the following account on my credit report, as the late payments history and account status over 120 days can not be verify with supporting documentation within 30 days, per federal law ( 15 USC ) if the credit bureau fails to provide supporting documentation from the creditor providing the validity of this account, you must delete them immediately as required by law. 

Account Name : XXXX XXXX XXXX Account Number : XXXX The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must remove any unverified account after 30 days and failure to comply is a direct violation of federal law. You can not simply " verify '' account electronically or rely on data furnishers without providing tangible proof.

Additionally, 15 USC 1681b - states that without my express written consent these account should not be reported. If you continue reporting unverifiable account, I will escalate this matter to Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal action for damages.

Please provide written confirmation of the deletion of the disputed accounts within 30 days.
Product: Credit card

My credit report showed a line of credit opened on XX/XX/year>XXXX at Target. Upon contacting Target, I learned the person who opened the account with an address at XXXX XXXX XXXX XXXXXXXX, Texas. They had access to my military credentials somehow. They created a false email.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Removal Request for Inaccurate Items on Credit Report Dear Sir/Madam, I am writing to urgently request the immediate removal of XXXX inaccurate items from my credit report provided by XXXX. Upon reviewing my credit report, I have identified XXXX XXXX that require immediate attention and correction. I demand the prompt removal of the following inaccuracies : XXXX. Charge-off : [ Provide details of the charge-off, including the account number, date of charge-off, and amount ]. 
XXXX. Late Payment : [ Specify the late payment instance ( s ), including dates and account details ]. XXXX. Settlement : [ Detail the settlement and any discrepancies related to it ]. 
XXXX. Inquiries : [ List any unauthorized or incorrect inquiries ]. 
XXXX. Repossession : [ Provide details of the repossession, including date and account information ]. XXXX XXXX XXXX Issues : [ Detail any issues related to credit card accounts ]. 
These inaccuracies not only misrepresent my XXXX but also violate the Fair Credit Reporting Act ( FCRA ) guidelines. As such, I demand their immediate removal to prevent further harm to my XXXX profile. 
I remind XXXX of its obligation under the FCRA to ensure the accuracy and integrity of credit reports. Failure to promptly remove these inaccuracies may result in XXXX action. 
I expect immediate action on this matter and request confirmation of the removal of the disputed items once the necessary corrections have been made. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On or about XX/XX/XXXX  I attempted to pay my rent through the XXXX XXXX XXXXXXXX XXXX portal. The transaction was not approved due to a mismatch between the ZIP code on record and my address. When I went into the branch they at first verified all was good ( I had been receiving paper statements to my address for some time ), then upon further research saw that an old address had somehow been populated in another part of the system. My card had always worked on similar transactions, so this must have occurred recently. The branch made the correction, I tried the transaction again and it worked. Unfortunately, I was charged a {$150.00} late fee. 

I called the XXXX Customer Service number and was told the bank could ( would ) not refund the fee. I am registering this complaint in the hopes of being reimbursed the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed this company on XX/XX/2022 for charging me 3x in one week totaling to {XXXX} with their auto pay system. I received no response. I then emailed XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX in regards to my bank account being closed and needed to update my bank to make my payments on time. Ive called the company and theres no way to talk to a representative, their automated system says itll take 48 hours to respond and its been over a month! I now have late payments reporting and its negatively impacting my credit and my ability to buy a home. These are the only late payments on my credit. I also filed a complaint on XXXX where I read Im not the only customer experiencing this issue. I would like my account to be updated to current and the ability to update my bank to make my payments. Grain has been a big help with allowing me to build credit but their system is flawed and the lack of customer support is very unprofessional.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Closed account : XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VERIFY XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX EXP REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX  Reporters XX/XX/year> XXXX XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a dated letter of XX/XX/XXXX from SYNCHRONY BANK regarding an account that CFPB assisted me with payoff and resolution because of Collection practices and problems with the way Bank administered the account. I believe the Account in question was my OLD NAVY XXXX account, because the letter copy attached to this complaint references Account Number ending in XXXX. If this is NOT Old XXXX account, then SYNCHRONY BANK needs to provide to me FULL ACCOUNT NUMBER and name of company involved with the credit. The received letter of XX/XX/XXXX states : Dear ...., Due to an error on a " previous statement '' the amount of interest may have been assessed on your account incorrectly. This error has been corrected and credit ( s ) are reflected on your billing statement. We apologize for any inconveninece this may have caused. Sincerely, Synchrony Bank ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX. ) I request strongly background information regarding the mentioned account. I believe this account was settled and closed between XXXX to XXXX, I believe, with the assistance of CFPB. 

Also, I am REQUESTING MONETARY RELIEF IN THE AMOUNT OF {$2500.00} because if this letter was generated regarding a CLOSED/SETTLED ACCOUNT, then my Credit Files have been accessed and VIOLATED MY PRIVACY. 

This I believe is a PAID OFF / SETTLED ACCOUNT and should not be referenced, all my contact information should have been purged from ALL OF THEIR FILES AND RECORDS AND SERVERS. 

I am EXTREMELY ALARMED to receive this letter! This creditor has harmed my peace of mind, security, and VIOLATED ME. 
Therefore I am also requesting $ $ $ Monetary Relief for XXXX, XXXX  and XXXX.
Product: Mortgage

I requested a loan modification on my mortgage due to reduced income, with Specialized Loan Servicing in XXXX, XXXX, and XX/XX/2019 and each time my request was never completed. Each and every time I received confirmation of paperwork received. I spoke to a rep name XXXX, who was very rude and telling me I should sell my house. This rep. was talking down to me as a customer/borrower, and discourteous, horrible attitude. The HUD counselor assisting me with my loan modification to ensure the proper procedures and guidelines were followed, witnessed Specialized Loan Servicing providing unethical business practices, very Poor service to me. I filed an appeal of why Specialized Loan Servicing was not processing my request for a loan modification, with HUD counselor. And they said they did not receive the request. In which, was a lie. The HUD counselor had confirmation, proof that the fax was received ahead of time. Specialized Loan Servicing continue to refuse to process my request for a loan request and then three days later  they attempted to foreclose on my home I been in for many years, without telling me. I found out through other sources. This is the worst service I have ever received. This company business practices are very shady. The public should be made aware of the unethical business practices by Specialized Loan Servicing,  and the horrific service they are providing to borrowers. The point of a loan modification request is to pay what you owe and keep your home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and called several times to get this matter resolved. The most recent letter being on XX/XX/XXXX and the others sent on XX/XX/XXXX and XX/XX/XXXX still as of today there has been no progress. The below inaccurate items still show negatively on my report. I mentioned previously I was just made aware of my information being impacted by the XXXX data breach. Now more than ever I fell my information has fallen into the wrong hands. This dispute process has be very long and I feel like Im on a hamster wheel. I read up on how to rectify this data breach and I saw it is illegal to report false information per FDCPA Section 807.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a bankruptcy which was appearing on credit report in error I notified XXXX XXXX and XXXX and Experian of this inaccurate info from a divorce Both XXXX XXXX and XXXX investigated and removed the error I have disputed and notified Experian numerous times in writing and online dispute with no assistance or desire top report information correctly. It is apparent that Experian is deliberately reporting inaccurate erroneous information for their own financial motivation which has kept me from obtaining the best interest rates that I am legal qualify through FCRA 15 U.S.C. 1681-1681x.
Product: Student loan

Starting in XX/XX/XXXX Mohela artificially stopped auto-payments and set my loans to forbearance. At the beginning of the payment pause due to Covid, I had specifically elected not to pause payments. Prior to XX/XX/XXXX, my payments had remained the same with the entirety being applied to the principle. Artificial stoppage and no means to rectify was the issue, their prescribed work around was to manually make payments until XX/XX/XXXX despite it working previously. This was a call, was recorded, involving a customer service rep, their XXXX, and an individual in IT? 

As of today, Mohela has reset my graduated repayment plan to the full XXXX? year despite having already been enrolled for 15 years. Previously my payoff was to occur primarily in XXXX, now XXXX.
Product: Student loan

I requested a Public Loan Forgiveness payment recount from FedLoan Servicing on XX/XX/XXXX. I have called multiple times including today to check on the progress and have been repeatedly told that it is still in review. When I called on XX/XX/XXXX, the customer service representative emailed the PSLF department requesting that my payment recount be expedited.

Currently, I have 3 loans remaining. FedLoan Servicing has 2 loans ( Loan 1 and Loan 2 ) showing the payment count as 76 Qualifying Payments made with 44 Qualifying Payments remaining with estimated eligibility for Public Loan Forgiveness on XX/XX/XXXX. FedLoan Servicing shows that the other loan ( Loan 4 ) has a payment count of 83 Qualifying Payments made with 37 Qualifying Payments remaining with an estimated eligibility for Public Loan Forgiveness on XX/XX/XXXX. By my calculations, I should have already made 83 Qualifying Payments on Loan 1 and 88 Qualifying Payments on Loans 2 and 4. I just paid Loan 3 completely off on XX/XX/XXXX. I would appreciate any help in getting my payment counts corrected. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount of debt : Date of Service : Provider of Service : XXXX XXXX XXXX, XXXX, XXXX & capital one ran by XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORR INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PRO COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedia The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Account has violated my rights. 15 U.S.C1681 section 602 A. States : I have the right to privacy. 15 U.S.C1681 section 602 A section 2 : It also states a comsumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX This collection account is showing on both my XXXX and Equifax credit reports. I have disputed this account, and it was not removed. Because of this collection account, I am unable to qualify to purchase a home. The credit report states that the account was opened XX/XX/2020. I did not open this account. 

After researching, I found that this violates my rights under the Fair Credit Reporting Act. My understanding is that the information contained within my credit reports must be accurate. 

I am asking that this account be investigated on both my XXXX and Equifax reports. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion/XXXX  has two different removal dates for same company. XXXX is supposed to fall off XX/XX/XXXX but XXXX committed fraud by re-aging the date to XX/XX/XXXX dofd was XX/XX/XXXX, 7 years will be XXXX not XXXX! XXXX needs to stop playing games
Product: Debt collection

They are attempting to collect debt in Illinois, while contacting me from XXXX, without an illinois license. This is against ( XXXX XXXX XXXX. XXXX. XXXX ).
Product: Credit card or prepaid card

I opened a Chase Southwest Airlines Credit Card in XX/XX/2021. I was to receive a {$200.00} statement credit and XXXX reward points after spending {$1000.00} in the first three months. Chase is refusing to deposit the reward points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXX : {$30.00} ; XXXX XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX**** Balance : {$170.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected censumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report, 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. 16815-2 ( A ) ( 1 ) 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.
Product: Student loan

My federal loans with MOHELA were consolidated on XX/XX/22. Shortly after consolidation the loans were separated into " subsidized '' and " unsubsidized '' with different qualifying numbers of payments for each. As a consolidated loan each portion should have the same number of qualifying payments, which is currently listed correctly for the " unsubsidized '' portion ( 106 payments ). The " subsidized '' portion is incorrectly listed as 90 payments. MOHELA representatives by phone tell me it's an error for the two portions to have different payment counts and they indicate the subsidized number will be updated to the same, higher number displayed for the unsubsidized portion. However, I am not told this in writing and the representatives do not indicate when this will happen. 

In response to a payment recount I requested through the CFPB ( complaint ID XXXX ), MOHELA reiterated the same incorrect information that is currently displayed on my profile -- the " subsidized '' portion is listed as 90 payments and the " unsubsidized '' portion is listed as 106 payments. The company 's response provides no justification as to why the consolidated loan has two different qualifying payments count. I contend that a payment count was not done and that the company simply responded with the current, incorrect information listed in my profile. 

I am requesting another recount. The consolidated loan should have one qualifying payment number of 106 payments.
Product: Debt collection

The collection agency called my dad and told him I owe {$4000.00} on past due rent. Im over the age of 18 and my dad was not co-signed on the lease. This happened sometime last year. Not sure when exactly.