23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On the morning of XX/XX/XXXX I received a debt collection call from an unknown VoIP number. I returned the call and was informed I was a contact for somebody they were attempting to collect from. I requested the agent identify the company he was calling from, but they could only tell me it was regarding a financial matter and asked me if I could relay their message to the target party. When I declined because I wasn't sure who I was talking to, they insisted I still relay their message anyways. I called them back from a separate number to protect my own identity from further abuse. I was connected with the same agent, who then attempted to verify me using the last four digits of the other parties social. I do not know the person they were trying to contact, despite this, they believed I was them because I " vaguely identified myself. '' Instead of asking me to verify myself and my identity, the agent released PII to me in the form of the last four of the target parties social in an attempt to verify my identity. After telling them that was not a lawful disclosure, they forwarded me to their supervisor, who skillfully avoided liability on his or their agents behalf. This is where they went wrong : instead of asking me to tell them my social, they disclosed somebody else 's social security number instead. This is a willful disclosure of PII and they apparently have no intention to report this accidental disclosure. In fact, upon contacting them via their webchat about this, they would still not accept any kind of liability and dodged my questions, talking over me or ignoring specific details. They instead told me they are not related to ARS debt collection at all upon realizing my intention, and I would have believed them about not being related, until I was told to " Try XXXX. '' so without leaving the chat, I searched XXXX for ARS national, their supposed business. The first result is ARS National, a debt recovery operation. A flat out lie on that agents part before. I informed them of my discovery on XXXX, and at that point they were ready to cooperate in helping me with repayment by asking me for my name. I declined. 

At the very least, they should be held accountable for willful and negligent disclosure of their clients PII. This is dangerous because that information could be used to further identity theft and fraud. They appear to be trained to immediately deny any liability or involvement when this happens. When I spoke to a supervisor at ARS and told them what happened, instead of listening and acknowledging that one of their agents is improperly identifying people by handing out their social security number instead of requesting it in a secure manner in accordance with the law, they still insisted I forward their message to somebody I have never met. I won't let this go until I know ARS national is held responsible for years of unlawful practices. I am fed up with these types of operations believing they are above the law. I owe nothing to them, why should my morning be spent dealing with a shady organization? Why should anybody deal with these, for lack of a better description, mafiosos?
Product: Mortgage

This is an old fha mortgage account and paid in full that shows negative info on it that should be cleared on credit reports
Product: Bank account or service

PNC Bank bought my mortgage and now they make me pay a {$7.00} fee to pay my mortgage online. This fee is unfair as I did n't have to pay it with my previous lender and is now an additional charge.
Product: Mortgage

I have a Home Equity Line of Credit which was extended by XXXX XXXX XXXX. XXXX XXXX XXXX collected my payments in behalf of XXXX. My loan was sold to XXXX Bank XXXX, as Trustee for XXXX Mortgage Loan XXXX ( XXXX Bank XXXX ) and my payments are being collected by Shellpoint Mortgage Servicing in behalf of XXXX Bank XXXX. The servicing was transferred from XXXX to Shellpoint in XXXX 2016. My loan is on automatic draft from my checking account. In XXXX Shellpoint drafted {$3000.00} when the payment should have been approximately {$2700.00}. In XXXX Shellpoint drafted {$2200.00} when it should have been approximately {$2700.00}. In XXXX they drafted {$1000.00} when it should have been approximately {$2700.00}. In XXXX they have scheduled a payment of {$700.00} when it should be approximately {$2700.00}. They are not collecting my payments as set out in my note. I have a great concern that they are going to draft a lump sum of approximately {$6500.00} to correct their error. I spoke with their representative who told me this is a " known problem '' and my loan should be " re-calibrated '' within XXXX to 6 months. 
Based on what they have collected, {$6900.00}, and what they should have collected, {$10000.00}, they will have to collect a lump sum payment of approximately {$3800.00} plus a regular payment of {$2700.00} which would result in drafting approximately {$6500.00} which will created a serious hardship for me. If this continues as it is now, the lump sum will be much higher. 
I am certainly not the only customer of Shellpoint that is going to have this problem. They should be sanctioned and fined for their unacceptable business practices and should not be allowed to draft more than what the correct payment should be going forward.
Product: Debt collection

We have received a lot of calls from a company called XXXX XXXX. They are claiming we owe them around {$80.00}. We have told them that if we owe you them please send us the information to back it up ( signed contract asking for a loan, credit card, or services ). This has been over the last 6-8 months. We still have not received any written communication. 
This morning I received an alert from my credit monitoring that XXXX XXXX shows we opened an account XXXX XXXX, and XXXX shows we have a collection account with XXXX XXXX as well. 
Any help is appreciated!
Product: Credit card

I have an account with Capital One Account # XXXX which is showing late pays in XX/XX/year>, XXXX XXXX and XX/XX/year>. I have made payments every month. My interest rate was reduced and I made payments based on that but for some reason it looks like capital one didn't make the adjustments accordingly. I am requesting the original contract along with any all all written and verbal communication within the past 12 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This company is texting me wanting me to pay a balance for something that no longer exists. I have already reported two other companies on Consumer Protection for this very same debt. It seems as though this is just being passed around to different agencies and that is disgusting.
Product: Mortgage

I have my payment on auto pay. I have at times encounter that the change in payment does n't go thru. ( 3x ) I have always paid. Now at first it did n't register. But now that it has happened again I think this practice is very shady and unethical. My auto payment goes thru but since the sum has changed PHH Mortgage Co. does not apply the payment to the current month. It claim it goes to principal and therefore causes my account to go delinquent. On top of this they XXXX a late fee. So you can imagine my surprise when I received a bill more than double what I am used to paying. To top it off..To rectify the issue they have to file and wait for another department to XXXX and refund or deny etc.. in 15 days which causes me to be more late.Which puts me in jeopardy of more late fees! I do not understand how no one is addressing this. They are cause this so they can collect more revenue from customers. It should be a simple fix. 
Oh and by the way the agent are not notifying me of this I sent a check for the diff in payment not knowing there was a late fee. Now I just received a bill for the monthly payment they claim was n't paid ... yet the monies ( to their benefit ) went elsewhere. This can not be legal
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXXXXXX XXXX failure to deposit my direct deposit from my payroll into my checking my account in a timely manner. They have cited technical issues, which they were aware of days before, and this may violate the Electronic Funds Transfer Act ( EFTA ) as is requires timely access to funds.They are citing that this may not be resolved until after the bank holiday. This is unacceptable. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed fraudulent inquiries on my credit report to Equifax and attached a copy of my police report via postal mail. I contacted the company on XX/XX/20 to check the status. The representative told me there's was nothing that could be done and that I would have to wait 30 days. I then asked could I speak to a supervisor. The sup came on the phone and basically said they are not going to do anything about the fraudulent inquiries until the creditors reach out to them and inform them that they are in fact fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date of Dispute : XX/XX/2020 Time of Dispute : XXXX EST Estimated Date of Completion : XX/XX/2020 DISPUTE SUMMARY Below is a summary of the items you have chosen to dispute. 

PERSONAL INFORMATION Previous Address : XXXX XXXX   XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX This address does not belong to me. 
Other Names : XXXX XXXX This is not my former name. 
Other Names : XXXX XXXX This is not my former name. 
NEGATIVE INFORMATION > ACCOUNTS XXXX  XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX XXXX XXXX This account does not belong to me. 

ATTORNEY GENERALXXXX | XXXX This account does not belong to me. 

Please use the above confirmation number for all future communications on the status of your dispute. 

The dispute verification process may take up to 30 days.

Please note, when you upload documents, including letters, to Equifax as part of your dispute, the documents may be submitted to one or more companies whose information is the subject of your dispute.

sent ftc on all the above
Product: Credit reporting or other personal consumer reports

I have already filed a Ftc report for fraudulent reporting, and XXXX and XXXX are already in compliance, Equfiax Information Services is the only company still reporting illegal information.

I am writing file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent hard inquiries on my credit profile. I kindly request your assistance in removing these inquiries immediately, as they have been reported inaccurately and obtained without my written permission or a permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ). 

I have identified the following fraudulent hard inquiries on my credit profile : 1. Creditor : XXXX XXXX XXXX Date : XX/XX/2023 2. Creditor : XXXX XXXX XXXX Date : XX/XX/2023 3. Creditor : XXXX XXXX XXXX XXXX Date : XX/XX/2023 These inquiries have been reported without my consent and without a permissible purpose, which is a direct violation of the FCRA. I kindly request that you take immediate action to investigate and rectify this matter. 

The fraudulent inquiries mentioned above are in clear violation of the following laws : 1. 15 USC 1681b : This section of the FCRA requires that a consumer reporting agency may furnish a consumer report only when there is a permissible purpose. In this case, the inquiries were obtained without my written permission or a permissible purpose.

2. 15 USC 1681a : This section of the FCRA defines the terms used throughout the Act, including the definition of a consumer report. The fraudulent inquiries on my credit profile do not meet the criteria outlined in this section.

3. Section 611 - Accuracy of Information : This section of the FCRA requires that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The fraudulent inquiries on my credit profile are inaccurate and should not have been included.

4. Section 604f - Fraudulent Information : This section of the FCRA prohibits the inclusion of information on a consumer report that is known or should be known to be fraudulent. The fraudulent inquiries on my credit profile clearly fall under this provision. 

I have attempted to resolve this matter directly with the creditors involved, but they have been unresponsive and unwilling to address the fraudulent inquiries. Therefore, I kindly request your intervention to ensure that my credit profile is accurately represented and that these fraudulent inquiries are promptly removed.

I have attached a copy of my Federal Trade Commission Identity theft report and a copy of the inquires on my credit report highlighted. These inquires fall under identity theft and the continuous reporting of them is violating multiple laws as mentioned above. 

I appreciate your attention to this matter and look forward to a prompt resolution. If necessary, I am prepared to take legal action to protect my rights under the FCRA. However, I would prefer to resolve this matter amicably through your assistance. 

Thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

The Experian credit bureau has mishandled my credit report disputes, which has lead to lower credit scores on my report. The Sham investigations, Inaccurate information, Improper reinsertion of information into my credit files. These unfair practices by Experian has been going on far too long. I have asked for an Investigation into some of the outdated irrelevant information from the furnishers. These errors should be removed from my credit report ASAP. Experian has violated FCRA Rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud. 
I have notified Discover Bank, XXXX XXXX XXXX XXXX and XXXX XXXX several times that these accounts do not belong to me, I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent account. 
These accounts were reportedly opened online with someone using my ID and ss card which were both stolen and reported to the authorities years ago. 
Documents submitted to Discover Bank : affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA XXXX Discover Bank, XXXX XXXX XXXX XXXX and XXXX XXXX continue to report these fraudulent accounts on my credit report although I have provided these documents with no response from the companies or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Credit reporting or other personal consumer reports

This morning, I was very upset to see unauthorized inquiries appear on my credit report, and I have no explanation for their presence. As usual, I checked my report, but this time, discrepancies came out of nowhere. I tried refreshing the browser, hoping it was a glitch, but the unauthorized inquiries persisted. I urgently request a thorough review of the documents Ive submitted so that I can stop worrying about this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX obtained my Experian consumer report. I sent them a letter asking why my report was obtained. I received no response. I want the proof that XXXX XXXX provided proper documentation to Experian proving it had permission to obtain my consumer report. 

Copy of consumer report attached.
Product: Debt collection

With no warning, around XX/XX/XXXX, a derogatory account showed up on my credit report. I am not disputing the Original Lender, ( although the amount was inflated ), my complaint is not getting a response from the debt collection company to work this out. I have called, and written to this company in an effort to get this removed from my Credit Report. 

Debt Collection Company : ONLINE IN SV XXXX XXXX XXXX, NC XXXX Original Lender : XXXX XXXX XXXX - ( Debt from XX/XX/XXXX )
Product: Debt collection

I have had 3 accounts with MySynchrony. Two of them I paid off entirely and paid at least double the credit for both of them, around {$2000.00} each. 

The third was a Synchrony Credit card, which I made several payments to, but could not keep up with, especially with the interest accrual. 

Synchrony forwarded the debt to a debt collector, which erroneously filed a lawsuit against me in New York, serving the lawsuit to my parents house in XXXX, NY. 

I informed Synchrony and the credit collection agency that I have not lived in New York for several years. Synchrony said when the account was returned to them, they would contact me about settling the debt. This was in XX/XX/XXXX. 

This month, XX/XX/XXXX, I received notices in the mail from debt relief agencies that I have had a lawsuit filed against me by MySynchrony for this debt in Florida. I never received any lawsuit, even though I provided MySynchrony with my current address in my correspondence with them in XX/XX/XXXX. I also followed up via email with XXXX, from the company 's Office of the President who I had spoken with by phone and email and she never replied after I had spoken to the credit collection agency in NY. 

I have made efforts to directly negotiate a settlement with MySynchrony, instead they've ignored me and had a collections agency file a lawsuit that I never received, and have only been informed of because my current address was somehow provided to debt relief companies.
Product: Credit reporting or other personal consumer reports

Huntington National Bank has inaccurately reported a collections account that has been previously validated as fraudulent and removed by other reporting agencies. The bank is attempting to collect {$3100.00} for an invalid debt that it has failed to properly verify. Despite providing substantial evidence confirming the fraudulent nature of the account, Huntington National Bank has refused to remove the inaccurate information. 
Repeated attempts to dispute this matter via mail, phone, and the Consumer Financial Protection Bureau ( CFPB ) have been ignored or dismissed. The bank has been presented with official documentation from other credit reporting agencies verifying the removal of the fraudulent account, yet it continues to report this invalid debt. 
This issue is urgent, as it has persisted for over two years and has significantly impacted my credit scoreresulting in a disparity of over XXXX points between my XXXX report and other credit reports. As a result, I have been unable to secure housing and financial opportunities. The specialized staff responsible for reviewing this account should be held accountable for the financial hardship their actions have caused. 
I formally request the immediate removal of this fraudulent account and all associated personal information from my credit file. Failure to rectify this matter constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I expect prompt action to resolve this issue without further delay.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

TransUnion, XXXX, and XXXX continue to report incorrect information on my consumer report in which they resell for profits. I have previously disputed this information and the consumer agencies will not delete the information. My only name is XXXX XXXX and I do not have a residential address because I do not live in one place but a XXXX XXXX XXXX mailing purposes only which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a home and any address is not mine but those of other people that you have linked me to illegally and now causing me extreme problems. I have provided my identity paperwork and proof of my mailing address and yet each consumer agency still requested me to resend the information to stall int he removal process. TransUnion, XXXX, and XXXX now have XXXX business days to delete any information that are not willing to swear under penalty of perjury to. Failure to do so you will be sued. XXXX I am already suing you because of your inaccurate reporting and you still continue to break the law. TransUnion and XXXX now have the same opportunity before I sue you. You are for profit companies that make money solely from selling these reports and you have a legal obligation to report correct information. You are not and that is a big problem for me!