23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX {$920.00} To Whom It May Concern : Please let this serve as my formal complaint regarding inaccurate and incomplete information reporting on my credit report with Equifax. The inaccurate information this Credit Reporting Agency have included in my credit report is enough proof they have failed to maintain reasonable procedures to assure maximum possible accuracy in the credit reports they publish.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

As I stated earlier, your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$920.00}
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I have told them multiple times to contact me via mail or email only. Instead they call me 5 times per day. Today was the last straw when they called me 6 times. I have call log after call log to prove this. This is harassment.
Product: Mortgage

Green tree demands that I pay XXXX XXXX to get my payment to them every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identify theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's Identity theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXXXXXX Account # XXXX and XXXX XXXXXXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

The car was never good. The interest was high. I made payments for two years out of three. They repoed it almost two years ago an yesterday I got served with a lawsuit. The entire loan was XXXX way over the XXXX XXXX  and they are suing me for over XXXX when I paid them XXXX. They are doing this so they can garnish my wages. They already got more than they should have. They do this slot I found out upon researching them .I just had a XXXX XXXX and they filed in a court in another county I ca n't drive to. Why wait 2 years? Also they did NOT try to collect. They lied in court papers. Ask them for proof. They never sent anything.
Product: Debt collection

I revived a letter of Oxygen XL saying I have a debt. It says : We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX You had a Parking Charge with XXXX XXXXXXXX XXXX XXXX with Parking Charge number XXXX. With a total amount of XXXX dollars Date : XX/XX/2023 Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple attempts to request action to prove and or remove delinquency to no avail
Product: Mortgage

XXXX XXXX XXXX increased our mortgage payment in XX/XX/2016 because they said our taxes had increased. We learned our property taxes and escrow were increased in error because someone and somehow our square feet of our house was illegally, unlawfully and wrongfully increased to nearly 5000sq. Ft. After we notified XXXX XXXX XXXX and advised them we needed our old mortgage payment reinstated and any overages refunded to us, they transferred our loan to sls, llc. They too acknowledged the problem but refused to fix ANYTHING. We since stopped all payments. Our local tax assessers office has fixed and properly lowered our taxes again because of the error. But no1 wants to change the higher monthly payment or refund our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, In response t my earlier complaint XXXX, you have made the following baseless claims, without providing any proof : " Based on our review of your request and the information available to us, we have determined that either : your request to block was made in error, or, your request to block information was based on a material misrepresentation or, you knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block. '' Therefore, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX, account number # XXXX. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature as well as the results of your " investigation '' My identifying information is as follows : Date of Birth : XX/XX/1992 SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Mortgage

I have two issues with a recent escrow analysis on my account that is causing my monthly payment to go up by {$800.00}. 

1. I requested that recent overage check ( issued XX/XX/23 ) be cancelled. I have not cashed this check and mailed in a response four weeks ago requesting that the check be cancelled and be refunded to my escrow account. I have received no action or response to my request. 

2. I have called the tax department of Freedom over four times in the past week and no one answers the phone. I requested call backs, but have not received a call back. The most recent ( XX/XX/23 ) escrow analysis says I make semi-annual payments of {$4700.00}. However, I make an annual payment of {$4700.00} for my taxes. This makes it seem as if I owe more in taxes than I do. 

This is urgent as I can not afford an additional {$800.00} per month in my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letter to validate a debt with Account resolutions on XX/XX/2020. After 30 days I didnt receive an response from them so I dispute it with XX/XX/XXXX on XX/XX/XXXX and sent proof of my receipt! They after a few weeks said it was verified as correct and would stay on my. I called today and got the runaround with getting hung up on acting as if cant hear me transfers then I spoke with an agent who was professional yet rude and unhelpful and in so many words said they wouldnt take it off my credit report and cant provide me with information they verified as correct to keep on report! Im at a lost I followed protocol but neither will do anything to help! Ive had full financial assistance from hospital stays so I need proof of where and the debt is???
Product: Credit reporting, credit repair services, or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Product: Debt collection

There is an account that has appeared on my credit file which is unknown and false. Please help XXXX XXXX XXXX # XXXX
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, 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.
Product: Debt collection

Received a collection bill from Credence Management LLC stating they collecting on behalf of XXXX XXXX XXXX. These collections from Credence Management LLC was on behalf of : Creditor : XXXX XXXX XXXX Creditor Account Number : XXXX Credence Reference ID : XXXX This bill is for an XXXX over 2 years ago ( XXXX 2014 ). I have lived in my current addresses for years and I never received an XXXX bill. I contacted my insurance and they stated all XXXX cost share/co pays paid by me is {$0.00} and any and all payments have been paid to by insurance company with an outstanding balance of {$0.00}. Multiple attempts were made by my insurance company to contact both Credence Management LLC and XXXX XXXX XXXX, but both companies refer to the other. Both companies did not give given sufficient information, or correct information or cause to my insurance. My insurance is confused and she never dealt with this type of side-stepping before. I also tried to call the phone number listed XXXX, but this number is transferred to an offshore location ( XXXX ). I could not get a clear picture of what was going on from the person and they transferred to his management. After waiting for an extended period of time, I hung up. 

I sent a certified letters ( to XXXX Credence Management LLC locations - XXXX, XXXX and XXXX, XXXX ) ), per their instruction, stating I am writing to dispute the validity of this debt or any portion thereof and request a copy of this debt or judgement. 

There is something strange/fishy going on here. I feel they are trying to phish for information and/or receive money that I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

After repeated times calling into XXXX to Permanently Remove my Credit Freeze I need the CFPB 's support and resources in removing the " freeze '' on my report. After the third call with " XXXX '' in the XXXX they still will not remove the credit freeze ; my daughter needs braces and we need credit.
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. The following issues are not allowing me to purchase a home for my family. Please consider and remove. Thanks 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
Product: Checking or savings account

Month of XXXX Transfer Fee 's and the Month of XXXX Transfer Fee 's. 

What is difficult and missing here is the cycle dates of the bill cycle in the presentation of the application that is on your cell phone. People are not aware how many transfers they have accrued nor does it show how many days left in the bill cycle. This makes it difficult to manage your savings account budge for transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY INFORMATION TO OPEN THESE FRAUDULENTS ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. XXXX XXXX ( Bank ) XXXX XXXX, XXXX - XXXX XXXX ( Miscellaneous ) XX/XX/2022 - XXXX XXXX XXXX ( Bank ) XX/XX/2022 - TRANSUNION UNIVERSALCIS ( Miscellaneous ) XX/XX/2022 - TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft my personal information was stolen and account where open by a unknown I Identity theft. most of the account where cleared up but now this account in question was sold to a collection agency. I would this account to be remove as it is the same account that was removed before. the collection agency is XXXX XXXX XXXX
Product: Student loan

Navient calls me between 5-10 times a day regarding late student loan payments. When requesting forbarrence I was told there was a large fee for this than the amount currently owned. I feel I was steered away from help and forced to pay when I can not afford to pay at this time. I was out of work laid off for 7 months and still getting back on my feet. When I told navient this they told me the co signer needs to pay. The reps and managers are extremely rude, condescending and disrespectful. They do not try to help but force payment.
Product: Credit reporting or other personal consumer reports

I called Transunion multiple times on XXXX. I received inaccurate information from the representative XXXX that day that the matter would be escalated, investigated and I would receive a call back. I missed the call back and called transunion back on XXXX to get whatever the update was that they called to give. I had to call approximately 6 times because each person I connected with disconnected the call and failed to call me back as promised. The last call with a new representative was extremely frustrating as she was not making sense in the call. I was then transferred to a supervisor who I thought would be able to assist however I was met with a supervisor who was abrasive, rude, unprofessional and who completely failed to empathize with my circumstance. She tried to completely disregard the incorrect information I received and was more focused on ending the call than trying to resolve the issue. The problem I have is that TRANSUNION has received the same information in XXXX that they received again in XXXX and my score has decreased twice because of it. It is the same exact information submitted to the other credit agencies however they have no explanation why something that is the same XXXX information provided in XXXX that lowered my score is the same information provided again that lowered my score again in XXXX. Important to note that XXXX is reporting that it was late but not taking responsibility for them and the inaccurate information I received being the reason why it was late. The payment was late but due to their representatives and the wrong information I got for the months prior. Not only is the information on my account negatively impacting me twice for the same notation but I was also met with the most frustrating unprofessional experience contacting their services for help. They just further added to the stress and frustration. I only have 1 mark on my credit score with them and it should not have resulted in the current outcome. I am extremely stressed by this situation as it directly affects my livelihood and they are extremely insensitive and unprofessional in handling these sensitive matters with consumers. I need this resolved and that Transunion held accountable for heightening a stressful situation and making it even worse to deal with! The supervisor for Transunion wanted me to spend money to get the same information I had and I believe Transunion uses their power to get money from consumers! They know they control something meaningful to people and make it intentionally difficult to get help so that they get you to spend your money on their BOGUS services. No other credit agency has done that! They are crooks and unethical!
Product: Debt collection

I had to put a call blocker on my cell phone because they call XXXX times in XXXX minutes. They will not disclose who I owe or how much I owe and say they will send someone to arrest me. So I put a block on the phone so it will no longer ring into me. On a typical day I get around XXXX phone calls from them. I can see the number on the call block list. If they are not going to disclose information why should I? I have only read bad things about this company and do not want to give them any personal information.
Product: Payday loan, title loan, or personal loan

I applied and was accepted for a {$29000.00} personal loan by XXXX by Goldman Sachs on XX/XX/2022, for which I had funds deposited directly to XXXX credit card accounts as well as my personal checking account as there was a requirement to send at least 70 % to credit card debt. I noticed on XX/XX/2022 that the {$14000.00} sent to XXXX XXXX had not been applied to my account. Upon further investigation, I realized that I input the incorrect account number ( the virtual card number for XXXX XXXX used to make purchases is not the actual credit card account number ). Once noticing my error, I contacted both Marcus Customer Service and XXXX XXXX Customer Service on XX/XX/2022. XXXX XXXX told me that since the funds were sent to a unique account number which is only used for purchases and is not assigned to another XXXX recipient account, it will most likely be returned to the originator. Marcus Customer Service let me know that it is too late to do anything and that my loan funds were already sent, offering no option to me or any knowledge whatsoever that the funds will be returned or the matter will be reviewed further. 

I will not be paying on a loan for partial funds which were not applied, and I am going through the avenues as soon as possible for documentation and tracing purposes. I sent a formal letter letting Marcus know of this issue dated XX/XX/2022, which I have attached to this complaint.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. My name is XXXX XXXX, and I am writing to formally dispute an account that appears on my credit report, which is associated with XXXX XXXX. However, I must emphasize that I have never applied for this account, nor is it in my name. This erroneous information is severely affecting my credit profile and hindering my ability to proceed with a significant life event, specifically the purchase of a home. 

I recently reviewed my credit report from all three major credit bureaus and discovered the presence of this unauthorized account from XXXX XXXX. I assure you that I have never entered into any financial agreement or transaction with XXXX XXXX, and I am confident that this account is a result of mistaken identity or identity theft.
Product: Debt collection

XXXX XXXX is reporting a account on all three of my credit reports that do not belong to me. I reached out to the company about this issue on XX/XX/XXXX to get the issue resolved but no one would help me. They are reporting this account as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result of this breach, fraudulent accounts have been opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts be blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX - XX/XX/XXXX - {$4100.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$710.00} Fraudulent Inquiries : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Contacted Experian multiple times and the system refused to transfer me to an associate. Experian is telling me I have no freeze on my credit report however this is not correct, XXXX XXXX has informed me multiple times they can not run a credit report
Product: Debt collection

I have not received any validation documentation from United Revenue Services. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by me.