23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I noticed an account on my credit files reported by XXXX XXXX XXXX for an account with The XXXX XXXX. After contacting CCS they sent a bill from XXXX showing that I had auto insurance with them. 

I have never owned the vehicle that was covered by this insurance and I never lived at the address the insurance company has on file. 

In attempting to resolve this with both CCS and XXXX none are willing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing a negative item XXXX XXXX  XXXX XXXX that was reporting on my Experian credit reporting account in XXXX. I disputed through written communication on the following dates : XX/XX/XXXX ; XX/XX/XXXX and XXXX.I also filed a previous complaint to the CFPB ( XX/XX/XXXX ) for resolution and nothing was done to assist with this matter I never received any resolution with my disputes with Experian. I then sent a XXXX letter directly to the company XXXX XXXX  XXXX XXXX with no reply STILL to this date. I request immediate deletion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I bought a car in XXXX  because of separation because my ex exposo he did not want to continue paying the car of which I stopped paying three months in XXXX and I knowing that I was not making the payment I took it off and what I did was take the responsibility of paying the car and from which I have been making the payments month by month and I am not late I want to bu
Product: Debt collection

Attempting to collect a debt of {$830.00} in XX/XX/XXXX which Ive been having health insurance since XX/XX/XXXX.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
CREDIT COLL I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name 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 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 I looked at my XXXX credit report on August 2, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a .consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverified information. ( A ) In general, after any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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: Mortgage

To Whom It XXXX Concern : I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently in the building process. US Bank has my money for the full mortgage amount in an escrow as well surplus of {$55000.00}. Every check that I receive from the insurance company for claims has to go through US Bank. We are XXXX XXXX  of the way completed on our new home. US bank received my overage check ( I {$55000.00} ) that is above and beyond our current mortgage escrow and have failed to return it since the beginning of XXXX ( XXXX ). They allegedly mailed at check on XX/XX/XXXX and it never reached me. The check was then cancelled and I was told on XX/XX/XXXX that another check would be mailed today XX/XX/XXXX. After speaking with US Bank today they informed me that they cancelled my check and do not wish to use my pre paid over night envelops that they received on Friday XXXX at XXXXXXXX XXXX. Consistently they do not have the same process advice or procedure. 

I have spoke to several supervisors who will not provide me with any further information on who I can speak to that is above and beyond the supervisor role. I have been treated very poorly with some of the staff making light of my situation. My builder is no longer building on my house due to me not being able to pay him. I am unable to get my overage check from US Bank and I have never been able to draw off of my mortgage escrow. I need help immediately as this is a crisis and they are not helpful. 

There was a supervisor named XXXX that provided me with his direct phone number XXXX. I have called him repeatedly and no answer. 

I have not called them and cussed them out like others XXXX have in this situation as it is not helpful. The only consistent thing I have them saying is this is XXXX XXXX US Banks fault but they are unable to fix it. It just keeps bouncing from XXXX department to the next to the next. A check allegedly gets disbursed and then cancelled. I have legitimately done everything on my end that is required and they refuse to get me my money. I have been waiting for weeks. 

Please reach out to me via email or by phone at XXXX. I need help as soon as possible. We only have alternative living expense coverage for a limited time an we need to have our home built before this used up. Without me being able to pay, we are at a loss. 

Best Regards, XXXX XXXX XXXX my XXXX tracking number is XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked into my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : [ CAPITAL ONE ] [ XXXX ] XXXX : [ CAPITAL ONE ] [ XXXX ] XXXX : [ CAPITAL ONE ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.
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 researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$56.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance Owed {$8000.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX FL XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

A debt collection company bought an old debt from XXXX XXXX the collection company portfolio recovery has been making robocalls to me and also obtained a phone number what's in my state and harassing calls all the time hang up calls I informed them a year-and-a-half ago that the debt was improper and fraudulent on XXXX XXXX behalf and also fraudulent on XXXX XXXX behalf I sent portfolio recovery many letters requested all my information including a signed contract they failed to do so they threatened me they made robocalls they called with false numbers they also told me to contact their attorney I have also sent their attorney an email and they refuse to respond to me also
Product: Credit reporting or other personal consumer reports

i will like the late payments thats being inaccurately reported to my credit profile to be updated to current.

i will like for the acccount at question to be deleted from my credit profile company.

i will like for the account at question to be updated as paid and current.paid in full.or to current status.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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: Debt collection

i was never giving notice that the debt was in collection, until i pulled my credit and when i did i seen it and i also seen that they ran my credit twice..they are not allowed to run my credit twice, i called and asked why it was ran twice and the male asked me if i was in washington state told him i was and he said that he wasnt licensed to work in washington and i asked then why was it sent there and why my credit was ran twice and he refused to answer.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/XXXX ( XXXX XXXX  ) Only should be once, XXXX bank has a limit of XXXX pull in XXXX month this was done repeatly. XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX  ), XX/XX/XXXX, XX/XX/XXXX ( XXXX ) only should be once, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I just did some extra research and I am highly upset of this issue, I have tried fixing this issue with the credit bureaus with my addresses before I noticed they still haven't fixed it, and I still have much more unauthorized inquires, what is wrong with you guys, please help me to get them to fix these errors on my report.
Product: Credit card

I had a credit card issued by Citi. According to Citi statement for the billing period XXXX/XXXX/2015 XX/XX/2015, they received my last payment ( {$4600.00} ) on XXXX/XXXX/2015. This was the total unpaid balance on my account on the day I paid. The statement for the billing period showed an unpaid balance of {$51.00}. After receiving this statement, I called Citi to close my account. I requested the person ( a female ) who closed my account to send me a letter explaining how they come up with {$51.00}. She told me that she can cancel this {$51.00} if I keep the account rather than closing it. I told her that I do not need this account anymore and willing to pay the amount. My only curiosity was to find out how they came up with {$51.00} while they received my full account balance of {$4600.00} on XXXX/XXXX/2015. She agreed to do that. While I am waiting a letter from Citi, I received a Citi statement in my email. To my surprise, this time the amount is {$77.00} ( {$25.00} penalty for not paying on time ). So I called Citi again. I again placed the same request as before to the person I talked to ( a male ). He agreed with me that he will send what I requested. Today, XXXX/XXXX/2015 I received by mail nothing but normal monthly statements ( past three months ) that are accessible to me online. I am pretty sure, they will send another statement claiming an unpaid amount of at least {$100.00}. I believe, as a borrower, I have the right to know how interests are calculated. Now it seems that Citi people, for some reason, do n't want to do that.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1975, and my social security number 's last four digits are XXXX. The FTC report numbers related with this complaint are XXXX and XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing
Product: Credit reporting or other personal consumer reports

I have sent several certified letters to Experian that they are reporting incorrect information on my credit report. I have asked for method of verification and Experian still has not responded appropriately. Their lack of professionalism is disrespectful and costing me and my family financial distress. Experian refuses to respond or delete inaccurate information after given the 30-day period to investigate my disputes. Stalling, hoping that I would stop disputing eventually.
Product: Debt collection

I have an unverified account from ENHANCED RECOVERY CORP. I had previously disputed this account. I have never done business with ENHANCED RECOVERY CORP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY CORP provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY CORP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

I've mailed a dispute letter to Transunion after I've noticed several accounts and information that's reporting to my consumer report without my consent and which is also inaccurate or invalid. Transunion is reporting an account that doesn't belong to me and reporting under multiple violations. How are they reporting a debt if there aren't any agreements by me to report it? How can I owe a debt if me and the creditor never had any existing agreements on a balance in order for this debt to occur? I have no knowledge of this company reporting this account in which

T ransunion should be able to see that we haven't agreed on anything. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account shouldn't be reporting. Violations committed : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Mortgage

My mortgage company New Rez grossly mismanaged my escrow account and continues to owe me money for these mistakes. After trying to get information from them 3 months I filed a letter for Request of Information and was assigned a person to help figure this out and get my money back. 
So far the mortgage company has admitted to paying twice for a parcel that was not mine. After notifying, the company that my taxes had not been paid in XXXX, the company sent a check to the correct parcel number but it was rejected due to improper amount ( the bill was late and had additional fees ) but I was unaware of this. 
I received a certified letter from the tax office for unpaid taxes and threats to seize my house. When I notified the mortgage company, they sent an additional check to the tax office. I then went to the tax office to make sure my taxes were paid, but they had not been. I wrote a personal check to pay taxes and penalties. 
Since then, I closed my escrow account and have been trying to get my money back. 
The mortgage company has identified the two payments paid to the wrong account and one of the correct but returned payments. They state that the second payment was accepted after I made the payment. The tax people say that did not happen and the check would have been returned to the sender. I want answers and my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I signed up for a service called XXXX  through XXXX. XXXX is a service through Transunion that matches renters to the properties that are within their credit and/or income range. I paid for the service and got my score, which XXXX refers to as an algorithm ranging from XXXX to XXXX, but stated it is not a XXXX XXXX. They stated that it differs from a credit score because it does not count medical bills nor student loans. 
My problem with this is my Transunion credit score is XXXX and my XXXX score is XXXX. With that being said, I asked why the XXXX score was lower than XXXX, rather than higher. It also took several times for XXXX to correctly verify my identity. I enquired if that could have caused a mix-up, and that this would cause a potential problem when trying to rent. I was told that the system calculates the score and there's nothing that can be done. The ability to rent a home is very important and systems can have glitches as well. It seems as if Transunion is not willing to even look into this even though it may not be accurately scoring consumers and could potentially cause them problems when trying to rent a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is repeatedly falsely verifying unauthenticated inquiries on my credit file. I have not received a firm offer of credit for any company to be listed as a hard inquiry on my credit file nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

Upon information and belief, no one from Equifax has taken accountability for my credit disputes, therefore no one from Equifax can testify in court against me. 

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Equifax to adhere to the law? Clearly, Equifax does not complete reasonable dispute investigations for consumers. From my personal experience, Equifax conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages. 

I have been advised to provide Equifax and the CFPB with this Affidavit included in this complaint and wait for a response from Equifax. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Equifax to claim damages for myself as well as millions of Americans who have been affected by Equifaxs FCRA violations. 

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.
Product: Credit card or prepaid card

I'm traveling overseas and I've been locked out of my account so I can't pay the credit card. However, I'm being charged {$25.00} late fees now ( I know this through my XXXX account ).