23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IQ Data International appeared on my credit file back in XXXX. I've been trying for approx two years to get rid of them. The yhave been very diffcult to deal with. I've asked specifically for information and they have yet to validate this particular debt. All they are doing is harassing me and make idle threats. I just notice today XX/XX/XXXX that they just reported Date of Deliq as XX/XX/XXXX which is Illegal. I know the law in regards to Creditors reporting false information and this information is very much in accurate. Plus this account is not mine and I've prove to this Collection Debtor of those facts I've asked repeatly for validation and they continue to ignore me as a consumer. I've received crazy phone calls that has me stressed out and mentally challenged. I don't know what else to do. These companies should not get away of harassing consumers without any valid proof. Theres no account number theres no type of identification so I can properly dispute. 
Adagio on the XXXX
Product: Credit card or prepaid card

We have an account with Verizon for our phone plan. We use autopay on our account currently. We were sent an advertisement in the mail specifically to us saying if we signed up for the Verizon Visa Card that we would get an additional XXXX dollars off on our account per month. Verizon bills are really high so this seemed worthwhile. We already currently receive XXXX dollars off a month for using autopay but did not have a Verizon Visa Card, which would save them money not us. I signed up and was approved for the credit card. I put it as my default payment for autopay but noticed the discount did not come off. I called Verizon customer service and asked what was wrong with the discount and could they look into it. They looked into it and they said that the discount was just for the autopay, which we already had. I told them this was false advertisement but they disagreed. Why would they send us this advertisement for an additional XXXX dollars off when it's not available in reality? Using their credit card does not help me it only helps Verizon.
Product: Student loan

I am finishing up a XXXX XXXX, ten years after completing my XXXX XXXX. I financed my education entirely through student loans, but made regular payments on them as much as I could between degrees while I worked full time. My loan company is currently billing me while I am in school and said my first payment is due two days after I graduate. I explained that I am a XXXX XXXX XXXX and not working I plan to immediately find a job after I graduate, but did not expect to be getting bills while I was still in school. I asked what my options were, they give me vague answers only and refer me to deferment options I dont qualify for. They take several days to respond to my emails, its never the same person answering them, and they dont answer all my questions. I want to get everything from them in writing because they have given me false information in the past. I dont know if its legal for them to be billing me while still in school, even if my first payment is due two days after I graduate. I havent even completed my exit counseling yet. I asked if they could defer the billing cycle for just one month, because it would make all the difference to me and none to them, and I made regular payments for years, and they did not answer my question or acknowledge my request. They only give automatic sounding responses to my emails and wont answer my specific questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alerts on my credit reports that XXXX has pulled my credit. I notified XXXX that i did NOT apply for credit with them. I was informed that this would be cleared up. Surprisingly a week later i received a card in the mail from Capital One which I did NOT activate. I cut the card up and mailed it to Capital One along with a letter explaining that my ID had been compromised and that Capital One needs to remove the inquiry from my reports. 

Unfortunately, I received a credit alert on my monitoring service that a NEW Account has been added to my credit reports by Capital One.
Product: Credit reporting or other personal consumer reports

I am writing to formally address your failure to fulfill your legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite providing evidence to support my disputes, you have left inaccurate or unverifiable accounts unresolved, which continues to harm my credit standing. 

Additionally, I am aware that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues including : Failure to forward consumer-provided evidence to furnishers. 
Acceptance of unreliable responses from data furnishers. 
Failure to adequately notify consumers of dispute outcomes. 

These allegations align with my experience. Experian has failed to correct or remove disputed items on my report, disregarding the evidence I provided. This inaction is a direct violation of federal law and my rights as a consumer. 

I am requesting immediate corrective action to remove or amend the disputed accounts. The only accounts that should remain on my credit report are : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Please treat this as a matter of urgency and provide written confirmation of your resolution. If this issue remains unresolved, I will escalate the matter to the CFPB and other relevant authorities. 

Thank you for your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 

Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was never late. 

From XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX   fraudulently reported my mortgage late to cover up the crimes committed against me knowing that my XXXX was unlawfully taken and I was barred from Co-op Building since XX/XX/XXXXXXXX XXXX unit was illegally sold on XX/XX/XXXX, and I was arrested by XXXX XXXX XXXX  Police on XX/XX/XXXX, for being in my XXXX Lobby as a Defiant Trespasser. 

XXXX XXXX LIED THAT XXXX XXXX XXXX UNIT WAS FORECLOSED ON TO SENATOR XXXX XXXX ON XX/XX/XXXX XXXX XXXX    XXXX FRAUDENTLY CLAIMED XXXX XXXX PAID OFF MORTGAGE IN XXXX FOR XXXX UNIT UNLAWFULLY TAKEN IN XX/XX/XXXX AND SOLD ON XX/XX/XXXX NO FORECLOSED JUDGMENT OR WARRANT EXISTS AGAINST ME. 
On XX/XX/XXXX, XXXX XXXX broke into my XXXX   unit, changed the lock, barred me from entering XXXX   Building, kept my belongings, and made me homeless on XX/XX/XXXX, without a warrant, judgment or foreclosure. My mortgage was current. 
In XX/XX/XXXX, XXXX violated foreclosure laws by filing a claim on lawsuit which it was not a party of for XXXX   mortgage. Two ( 2 ) NJ Superior Court Judges XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX, ( attachment ) denied XXXX XXXX   XXXX request for {$100000.00} proceeds in Superior Court Trust Fund from illegal private sale of my unlawfully taken XXXX unit on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Legal Dept. emailed to Senator XXXX XXXX 's office that my complaint was about wrongful foreclosure. 
On XX/XX/XXXX, XXXX XXXX pulled her IRS transcript for XXXX. XXXX filed XXXX XXXX Mortgage interest fraudulently claiming that XXXX XXXX paid {$23000.00} in mortgage interest for her XXXX   unit at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX New York, XXXX On Monday, XX/XX/XXXX, we called the Office of the Superior Court Clerk, Foreclosure Processing Services in XXXX, New Jersey at XXXX and was told no foreclosure ( F ) file for XXXX XXXX or paperwork. 
However, there was a closed Landlord/Tenant ( L ) file for XXXX XXXX which {$100000.00} were sent to the mortgage company** without paperwork. She did not understand how my mortgage was paid off, claiming there should have been foreclosure folder with a ( F ) file, and not ( L ) Landlord Tenant. She questioned if XXXX XXXX sold her unit. 

She referred us to XXXX County Sheriffs Office at (  XXXX ) XXXX, extension XXXX ( foreclosures ) to see if XXXX has a on file for XXXX XXXX On Monday, XX/XX/XXXX, we called XXXX Sheriff Office who stated that it did not have paperwork on stated no information on file for me. 

** The Superior Court Trust Fund gave without foreclosure documents to XXXX XXXX XXXXXXXX on or about XX/XX/XXXX, to pay off my mortgage and complete crime against me. 
No valid underlying case, no foreclosed judgment, no warrant of possession or removal, no foreclosure, no Sheriffs sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my instructions.
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. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I used XXXX to send disputes to Experian, due to being unable to go the physical post office or unable to upload any documents. Each time I try, I receive an error message. The documents were delivered XX/XX/2022. I never received any correspondence and I called Experian on XX/XX/XXXX to inquire about my disputes and was told they were not processed because they thought they assumed they came from a third party, like a credit repair company. I let them know that since I am XXXX XXXX due to long XXXX symptoms, I could not physically get to the post office so I used XXXX to send the mail for me. They said I could upload and I mentioned that it would not allow me to. They sent me to their help desk and they were still unable to fix it. They said that they would take my dispute over the phone but I let them know that I had supporting documentation that needed to be attached. I let them know that I would send the documents again and to put notes in my account that my disputes were not coming from a third party. On the XXXX, I received notice that one of my disputes to XXXX XXXX was already completed and my account had been undated. I checked and the update is incorrect as I have documentation that the account was not charged off. Experian claims that they do not have any other way of processing disputes, which leave consumers such as myself that are XXXX or XXXX  at a disadvantage.
Product: Credit reporting or other personal consumer reports

TransUnion it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/ date of first delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/, TransUnion has XX/XX/, XXXX has XX/XX/. All three can't be accurate or correct. FCRA requires you to fix it or delete it.
Product: Mortgage

This all began when there was a movement from XXXX  XXXX XXXX to SLS for our HELOC. During this time, it seems that BoA misplaced the payment I made XX/XX/XXXX, and when the loan moved to SLS  on XX/XX/XXXX, there was a huge confusion about the statement amount, as my payment did not register with SLS. 

A lot of back and forth, I called SLS and they told me to make half payment to keep my account current. After making that half payment, I was told I was under foreclosure notice. I finally just made the other payment while still investigating the missing payment, and then the fee of {$0.00} was added. I can only pay in {$1.00} increments, so I had to pay {$1.00}. 

Then another {$15.00} was added. I inquired what this payment was, and they said it was due to the {$15.00} fee adjustment that is made when " someone comes out to see the property '' when under foreclosure notice. 

I then paid this fee. 

Later, I did not see this fee disappear, and was later told that this payment was added to the principal, as there is no way to apply the payment to the fee unless specifically noted. There is no way to pay to the fee online, as it automatically adds to the principal. 

This seems predatory, as had I not checked, then I would still be " in the red '' perpetually. This company which has millions of dollars, can not fix their website to be able to pay to the fee?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries - XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXThe address needs to be removed XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX & the following accounts- XXXX XXXX XXXX Balance XXXX : {$870.00} XXXX XXXX Balance Owed : XXXX XXXXXXXXPlease block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Product: Credit card

XX/XX/2023 I received a very disturbing letter from American Express. The letter starts off saying " Dear XXXX XXXX, thank you for bringing the fraudulent use of your identity to our attention. '' This is totally false because I have not contacted anyone from American Express about Identity theft. Again, I did not file this request or report to anybody to American Express. I attached the letter I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter a letter to the courthouse asking do they report bankruptcies to the credit reporting agencies and I received a letter stating They do not report any bankruptcies to anybody. So if that the case, how did the consumer reporting agencies verify my bankruptcy as 100 % Accurate. The never did a fair investigation according to the 15 U. S. Code 1681.

15 U. S. Code section 603 ( 3 ) ( E ) states : The term Investigative Consumer Report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Also, they have violated my rights numerous times. The consumer reporting agencies have violated my rights under 15 U. S. Code 1681.

According to 15 U. S. Code 1681 section 602 A states I have the right to privacy. 15 U. S. Code 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, according to 15 U. S. Code 1681s-2 ( A ) ( 1 ) states 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I bought a used car from a Dealer in New York called XXXX XXXX ( XXXX XXXX ) and it was financed through Westlake Financial with head office located in California. After I took the car home, I found out there were multiple issues and we started going back and forth which resulted in Arbitration under New York XXXX XXXX. New York State Arbitrator ( Attorney General Office ) told the dealer to refund us our Money in XX/XX/XXXX and send us copy of the documents to mail the dealer confirming the refund. Towards the end of XXXX going towards XXXX, New York State was hit by the coronavirus virus so I had to wait until XXXX to drop the defective car off. I reached out to Westlake Financials and sent them copy of the New York XXXX XXXX in regards to the XXXX XXXX Case with the car and they confirm receipt. I also told them the dealer is suppose to pick up the car and refund us our money and also refund the balance to Westlake. I called Westlake Financial over 20 times and sent multiple emails letting them know the car no longer a belong s to me and they didnt respond. I was told they can not speak with me and they will speak to New York State who is representing me. I got a notification saying Westlake reported my car on my credit was delinquent and past due. I reached out to westlake and they told em theres nothing they can do and I cant speak to anyone. I also searched online and send emails to multiple departments and executives at westlake about the issue and no one responded. The dealer also mentioned that they are working with Westlake. The dealer has the car and we still havent gotten our refund and Westlake is being unresponsive. I also file a dispute with credit bureaus against Westlake and westlake reported that the information was accurate and that Im past due and delinquent which is not affecting my report tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

These few accounts I've sent have been affecting my credit profile and costing me thousands of dollars interest that I cant get back, and it's been embarrassing. It's already stressful during these times of covid, and I dont think I should be penalized for it. This has been due to a data breach which I have documents that show I was a victim. This is not a regular dispute. I have filed a complaint with the FTC and XXXX, to my knowledge I do not recall any of these accounts, or have I applied for them. I need this problem to be handled expeditiously. I can not wait for another 30 to 45 days in the name of covid. I demand these accounts be removed immediately, please. I will file for litigation due to the stress thats being caused. According to Section 15 US Code 1992 ( e ) if It's false and misleading, It has to be removed, because it got in the hands of the wrong person. Again, I was impacted by a Data Breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureaus are siding with a corrupted fraudulent Bank, XXXX XXXX. I had a car loan that was paid on time, 60 payments. Monthly. XXXX XXXX reports car loans as well as boat loans as well as mortgages as " charge offs '' so that as a huge Corporation they would pay less taxes. And you are siding with them too. It is illegal to lie about how a car loan was paid. My var loan was never 120 days late. I was even sent a refund check of {$1600.00} in XX/XX/2020 because I overpaid the car loan and overpaid for fees I was not supposed to be charged for. I have a letter that proves that. I have payment history print outs too. They have nothing. And if they have anything it is altered. Again this is a bank that is on the news almost every week and has been for over 15 years at least. XXXX. XXXX Fraudulent. And CFPB apparently does nothing about it. Hideous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and 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 identity theft and did not make this change. 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. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! 
Please remove these accounts as soon as possible!