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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balanced Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I noticed some ERRORS on my consumer report that are hurting my chances of progressing in life for me and my family, Please remove all accounts thatv are attached in this dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX canceled my homeowners policy because I filed a claim. When I attempt to replace coverage, companies say that there are XXXX claims on my consumer report. XXXX in XXXX and XXXX in XXXX. I bought my home in XXXX! I wasn't insured by XXXX XXXX until XXXX. I have had XXXX Homeowners claim in 50 years of owning homes. They have intentionally sabotaged me and I want it corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested information from a company that is reporting on my credit file a XXXX XXXX and have not received any information from them. I sent a request for validation of debt and they have not sent me anything. If XXXX XXXX doesn't respond to the consumer about a debt they indicate to be mine then how are the bureaus getting their information?
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof underXX/XX/XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XX/XX/XXXXBALANCE {$19000.00}, XXXX XXXX BALANCE {$850.00}, XXXX XXXX BALANCE {$350.00}
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports but XXXX is reporting this information. 
This is a violation of XXXX regulations. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 
Delete all the transactions reporting as late, collection/charge-off status and any other derogatory information from my consumer reports immediately. DO NOT reply that this account has been " validated '', I am not asking you to validate or verify anything. Do Not waste my time using such tactics. 
There are negative accounts that have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. 
If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

On XX/XX/2021 XXXX XXXX  XXXX XXXX XXXX {$420.00} I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : SOFI BANK, NATIONAL XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed my personal information was incorrect. The incorrect information is my name. I spoke directly with Equifax and this information should have been updated per the conversion from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. However, weeks later and nothing has changed. I dont know what else to do. Can you look into this matter. Update the information asap!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX  Account Number : XXXXXXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Enhanced Recovery Company submitted a collection on all XXXX of my credit reports stating I owe {$670.00} from a XXXX Cable/Cellular bill. I knew I did n't owe XXXX anything and called them to verify and they verified I was all clear of any debt. They were not aware of sending anything to ERC as a collection on my account. I have called ERC and they could n't find anything on me with what information I was giving them. Which proves its not me that the debt belongs to. I have disputed it with all credit bureaus and have not heard of anything. I have since applied for credit and have been denied due to Severe delinquency and debt collection on my credit reports. I have always had good payment history never late on my bills. This is affecting my credit score and is becoming a big nucense. I have read other customer complaints dealing with this same issue and it looks like it could be a scam. I am not getting anywhere with the credit bureaus and need this removed from my credit reports. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i requested and investigation on XX/XX/2020 and i have not received any update or respond from this company, they basically refuse to investigate. 
follow up letters was sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. 
this company have no done any investigation, inaccurate information keep been reporting in m y credit report.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Product: Credit reporting or other personal consumer reports

This is an ongoing issue that I have been trying to fix now for months but my requests to correct the errors being reported on my credit are consistently ignored which is absolutely frustrating. These times have been challenging and this is a big hindrance to me in achieving financial freedom, my applications are getting denied due to these errors impacting the overall aspects of my life negatively.
Product: Credit reporting or other personal consumer reports

Despite my efforts to rectify the situation, fraudulent account persist on my credit report so Im disputing the fraudulent information. This fraudulent information have a significant impact on my financial status and reputation. The investigation seems to have failed, as disputed account is clearly fraudulent. I urge you to promptly delete the account from my credit report, as other credit bureaus have already taken action to remove it after discovering errors. Additionally, the bank have already agreed to delete this. Not sure why theyre still being reported. Ive talked to the bank, they have my FTC Identity Theft report on file and informed me this account would be removed in XXXX days. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX am having a lot of problems with this Debt Collection Company claiming i owe a debt on a closed account on my Consumer Reports. They are saying they are the Original Creditors. I have sent several letters and at last an Affidavit Of Truth. They responded not with a rebuttal nortorized but only with a lettler. I forgot to copy my notorized Affidavit to show proof XXXX XXXX stamped the seal on it. But Acima sent a strange looking contract 2 times to me. It was for a rental property, but it also included a sectional and mattress separate debt. The 1st contrtact it was 5 pages and the second contract it was only 3 pages sent. The amounts of debt were all positive balances and not any negative balances. The total of debt was 2 different amounts. One amount was {$4300.00} XXXX and the other was {$4500.00}. They even printed my name on the signature line. It was not signed by me This Company is using profane language and obscene words to collect payments. Their logo is illegal in the letter presented to me. It is clearly Debt Collection business. 

U.S. Code 1692d - Harassment or abuse ( 4 ) The advertisement for sale of any debt to coerce payment of the debt This is fraudulent activity and this closed account has already been paid off. They are attempting to still get payments with interest which is illegal. They are not a Creditor.They are a 3rd Party Debt Collector only out to collect payments by commiting fraud.

15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

The payments on the fraudulent contract are illegal according to this law : 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Product: Debt collection

I lost my job on XXXX XXXX. as a result I was 4 months behind on making my payment. I communicated every month with Capital One each step. I found employment and advised them I would make a payment on XXXX XXXX, due to I get paid once a month on the XXXX of each month. I later advised I would call the following Monday and verify my true pay date, because the XXXX fell on a weekend. I called and confirmed I would pay on the XXXX. It was also during this call that I was advised that I my next XXXX payments would be the amount XXXX plus XXXX half of XXXX payment to keep my account current. XXXX a total of XXXX. I believed everything was in order. However this is when the issues first started. After I made the arrangement to pay the double payment. I started getting excessive calls from the company. I would thank them and repeat to them to please look at the notes on the account. each time, the phone collectors would agree they see the notes. Yet this inconsistency started. XXXX agent told me that I would have to agree to allow them to set up a payment arrangement on the account. I said no problem. However, they also informed me at that time, I had to make the payment within a XXXX day window due to their system would n't allow me to make a payment arrangement. Again, no problem. I informed them I would call back on XXXX XXXX or XXXX to make the agreement. Yet. I still continued to get calls. asking if I was prepared to make the payment. No one seemed to be aware of the payment arrangement unless I brought it up. Finally, I received XXXX call from an agent who was very rude. He informed me that I had to secure the payment ( basically I had to give them my payment information over the phone and they would debit the account on the XXXX of XXXX XXXX. He stated that my account would be going into foreclosure. And if I went into foreclosure the department may request all the money due at XXXX time. I explained to him, I was doing as I was told and waiting for the XXXX of the month to call and make the arrangement. However, I did n't want my account to go into foreclosure so I agreed and allowed him to take the secure payment over the phone. 
Since that time, I have been told that my agreement to pay XXXX was not valid, I was not XXXX months behind. I was four months and would need to pay XXXX for the next four months to be current. I again, agreed to the XXXX. Only to continue with calls reminding me of the balance I owe on the account. And that no agreement is on the account unless I can secure a payment. So here we go again. Today, I spoke with an agent who told me I owe XXXX ( this is only two months behind. Confused, so why am I having to pay XXXX for the next four months if I 'm only two months behind? This is very stressful, the inconsistency is not ideal for any business practice. If the agents do not know the correct process, why should I the consumer have to be frustrated during the process! I have spoke to countless agents on the account, some seemed to be understanding while others are trying to pressure me into securing a payment.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX. I was instructed by my employer to send a client down payment to our supervisor via wu. It turns out this money was paid with a fake check and my bank is holding me responsible for the missing money. My employer tricked me into this and I have an active police report. Western Union and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account that was opened in XX/XX/XXXX, within the past four days while I am trying to buy a home this debt was re-aged onto my credit report and reported as new XX/XX/XXXX. The debt also says that there were XXXX XXXX dollar, on time, payments made in, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is also false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian isn't reporting these open acct. One is my mortgage which is with XXXX XXXX XXXX XXXX. Acct # *****XXXX. Date XX/XX/2019 my credit score drooped by 31 points. 
My credit card Acct # xxxx-xxxx-xxxx-XXXX Visa the bank name is XXXX XXXX XXXX.This credit card isn't even being reported, but have added an attachments to show proof. This is to is not being applied to my credit score.  Can you please help me with this problem?
Product: Mortgage

I made a payment towards my XX/XX/2019 NewRez mortgage on XX/XX/2019 for the amount of {$2300.00} through the NewRez app. NewRez withdrew the amount of {$4700.00} on XX/XX/2019. I immediately called NewRez to fix the problem. Their agent stated that they withdrew funds for XXXX and automatically withdrew funds for the XX/XX/2019 payment. I advised the agent that I never authorized automatic withdrawal. Also emailed the agent a phone screenshot done after my payment showing payment of {$2300.00}. The agent mentioned that an automatic withdrawal took place since it was close to the following due date. 
I advised the agent that my bank account was now overdrawn. The agent responded stating that theres nothing they can do about it. That going forward, I need to make a selection through the dropdown option and uncheck autopay. The agent also mentioned they will not issue a refund. That I will need to dispute it with my bank. 
I requested to speak to a manager. Agent said she was the  team lead. I requested to speak to someone else as the agent was being unhelpful. Agent transferred me to an operator who had no knowledge on how to access my account. I was then transferred to an operator to which the call then terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the Equifax security reach, my personal information has been compromised and I was not alerted about this personally, but via the news/internet. They know how to reach those impacted and put the onus on the victims of potential identity theft. I checked via their website and found that my information was stolen, and could be used.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, and the company is trying to hold me responsible for this debt. XX/XX/XXXXXXXX   I learned that a company by the name of MOSAIC called me requesting a payment, and in XX/XX/XXXXXXXX  I received a bill from this company that's when I learned that I had been a victim of identity theft. 

After researching this company I learned that they offer loans to people for home repairs. I do not own a home, and the home I live in is my boyfriends. 

I wrote to this company and explained I had been a victim of identity theft, and the debt does not belong to me. Furthermore, my income would not have supported a loan of that amount. As I receive social security and I'm a XXXX  citizen.
Product: Mortgage

If I had XXXX word to describe the experience so far, it would be 'horrible. ' While poor customer service is unpleasant, it is not criminal and it is not the reason I am writing you. XXXX XXXX sold our mortgage to Rushmore with the payments to Rushmore starting XXXX XXXX. We received the letter that this was happening on XXXX XXXX. I tried to go online to Rushmore 's website to pay the balance, which was {$97.00} higher than our old payment for some reason, but the website kept erroring out. I then called all the numbers on the document that was sent to us. Each number took me into the same prerecorded loop, which once I got to the payment section would n't tell me how much was due and just wanted my routing and account numbers. I have n't thrown my banking info around willy nilly before, and I am not going to throw it into some poorly automated voice system with exactly XXXX detail as to how much it was going to charge me now. It is a huge frustration to not be able to pay a bill because the company receiving payment has made it nearly impossible to pay them. Finally, I got a hold of someone at the local number for the company, which I found hunting around on the internet ( this number was not listed on the documents they sent us ), and they confirmed that the payment had made it through on the website even though I was never able to make it to the end of the payment pages because of the site crashing. I 'm just thankful it did n't charge me repeatedly for each time it appeared not to work. When I asked why my payment was {$97.00} higher, they had no idea. I, after having read the many reviews on this company, found that the company often creates fraudulent negative net escrow balances. I checked my loan, and there it was, a {$180.00} negative net escrow balance. I have never had a negative net escrow balance on a mortgage until it was sold to Rushmore - and I mean NEVER. Seeing as it is a common problem for loans transferred to Rushmore, there must be something going on there. I 'm asking for your help, not just for myself, but for all the other people being abused by this company. The government allowing companies like this to exist detracts from the trust we all have that you are looking out for your fellow countrymen. Thank you for taking the time to help us.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF EQUIFAX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : 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