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

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$590.00}, XXXX XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm this detail ( A ). The account may not be reported as unverified information without providing any supporting information within the legally allowed time range. This is shown on my credit report as needing investigation and correction because it was reported incorrectly in my file. 
XXXX  XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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

I have called on XX/XX/XXXX and spoke to XXXX XXXX. She informed me to email XXXX XXXX to remove debt from my credit report. She had verified my information and realized it did match. I emailed XX/XX/16 and he responded without wanting to remove this debt from my credit report. I sent a XXXX email and he does not want to remove the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Equifax continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following closed account. ( Account Name : Unknown ( Not Given By Equifax ) ( Account Number : XXXX ). Ithey received certified letters from me to them more than over 40 day ago stating my dispute, They fail to even notate that a dispute was even submitted. This account inaccurate and unverified Equifax refuses to comply with the removal. This information is erroneous and against the law. I demand it please be removed immediately.
Product: Debt collection

On XX/XX/2020 a woman possibly named XXXX called my XXXX year old father in law, from a restricted phone number and demanded to speak with me. My father in law told her that I was at work and not at the phone number she called. Which is his personal cell phone that I have never used or been associated with. She left a call back number with him of XXXX ext XXXX. This call back number is associated with NCB Management Services. I have never received a letter or phone call from this company, however they are harassing my family and friends for a supposed debt that I have no knowledge of. I have been contacted by other family and friends who have told me that they are threatening to send me to jail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave this company consent, your company is violating my federally protected consumer rights. This means this company is breaking the law! Pursuant to 15 u.s.c 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate. After carefully examining my consumer report, I noticed that my consumer report is inaccurate. Pursuant to 15 U.S.C 1681b ( g ) this company does not have permissible, also pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) a financial institution may not disclose nonpublic personal information to nonaffiliated third parties
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone please help! I have reached out to equifax multiple times and they never get back to me. on XX/XX/XXXX I sent a letter disputing all that was wrong with my report. Along with it like recommended o their site i sent a copy of my Id and a notarized letter confirming the dispute. I never got a response and they couldnt tell me anything over the phone. That's 51 days! A month later on XX/XX/XXXX I send another letter demanding the investigation results. Still nothing! CFPB please step in and help with this. I understand covid may delay things but this is ridiculous and I doubt its legal
Product: Mortgage

I keep sending them proof of insurance they seem to never get them? I send them two copies already and they said they didn't get it? I sent them copies of the HOA master policy with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ca XXXX XXXX. It states XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX. My personal is with XXXX XXXX XXXX # XXXX phone # XXXX. 

My mortgage company is Shellpoint XXXX. XXXX XXXX XXXX Mi XXXX Phone XXXX loan # XXXX I feel they keep doing this thinking if they do it enough I will forget and they will charge me anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I unfortunately was a victim of identity theft. On XX/XX/XXXX a total of 6 unauthorized requests for credit was made in my name to a number of different online lenders. Gladly no fraudulent accounts were ultimately opened from this attempt. I have successfully removed all credit inquiries from my credit report except for the 2 companies outlined below. Both companies will not respond when contacting their fraud group and requesting status of the inquiry removal. I have supplied all the information they indicated as required to resolve this issue. I originally reported these concerns to the companies below in XXXX of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

I was approved for a loan of {$500.00} XX/XX/2020. My agreement shows the payment dates extended into next year equaling to {$3300.00}. I have had about four payments taken out my account equaling to {$530.00}. 

XX/XX/XXXX {$85.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} I emailed customer support to see what my remaning balance is based off the payments already taken out and the response was this : " Thank you for your email of XX/XX/2020 in which you inquired about the current payoff amount due in order to settle your loan with BetterDay Loans completely. Upon checking here, you are following our Default or Scheduled Payment Option. And you are paying your loan in a number of installments equal to your payroll frequency over a years time. This option is reflected in the Payment Schedule section of your loan agreement. While this option may be more expensive, it offers the benefit of a fixed schedule. A small portion goes to your Principal and the rest to your finance fee. This is not mandatory to follow. You can pay off your loan anytime. 

The amount required to pay off your loan in full as today is {$490.00} finance fee not included. PLEASE NOTE, however, that this payoff amount is only valid for today from the time of this email. 

Please remember, you can also make a partial prepayment by paying {$20.00} or more, in addition to any scheduled payment by contacting BetterDay Loans three days prior to a scheduled payment. The additional amount that you pay will reduce your principal balance due and thus reduce the number of payments remaining ( but not the amount of each payment ). 

We also remind you that BetterDay Loans never charges any prepayment penalties on partial or complete early repayments and repaying your loan early can greatly reduce the costs associated with this form of borrowing. As such, prompt repayment of your loan will reduce the costs associated with borrowing and is recommended. '' I asked them where is the {$530.00} going if its not going towards my balance. I shouldnt have to keep paying if the payment is already at my loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I paid the total balance due on my credit card bringing my account to XXXX. For some reason, the company charged me interest on account of {$1.00} on XX/XX/2021. From that point to now, they started charging me late fees bringing the amount due to {$47.00}. This was never reflected on my on-line account as anything being owed. I was still thinking the account was paid in full, until I received a call from a XXXXXXXX XXXX  representative on behalf of XXXX  stating I had an outstanding balance and that my account was past due. I immediately paid the outstanding amount, even though I didn't agree with it. She then gave me a credit of the late fees. She also stated that no statement was ever generated or sent to me indicating that an amount was due. She said that she would submit a request to have this removed as it seemingly was a system error on their part. This is still reflecting on my credit report as a late fee and I would like this removed completely because how was I supposed to know anything was due if it was not reflecting on my on-line account nor did I ever receive a statement from the company informing me that something was due? I was also told they would send me a letter stating the gave me a credit of the late fee and also a letter stating my account reflects a XXXX balance, which I have yet to receive.
Product: Bank account or service

Hi, I had a checking account at Citi and have a credit card. I opened my online account to monitor my credit card account first, then linked the checking account. Later, I closed my checking account. When I logged in my online account, they removed my credit card account access. I was not informed ever that I would not be able to access my credit card thru online account if I close the checking account. There are so many cyber crimes. Daily monitoring of credit card is very important. How the large bank makes such a unreasonable act. Closing checking account make impossible to access the other credit card information without any disclosure. They should not make such block or at worst it should be disclosed.
Product: Credit reporting

There is an issue of the company pulling my credit report every 2 months
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXX Balance : {$3400.00}
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 these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Due to a hardship I fell behind on my mortgage payments and had to pay some of my payments late. Fortunately, I was able to bring them back to current status. But these late payments are still reporting on my credit report and affecting my credit score. I am asking for these late marks to be removed. This would help me tremendously in building credit worthiness. I have since set up my payments on auto draft and saved a few extra payments in case I fall on unexpected hard times in the future.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, checking my credit report I learned that someone tried to open an account using my personal information. I have a couple hard inquiries on my credit report that I did not authorize, I did not give permission for my credit being ran and I would like to be deleted off of my credit report. I am victim of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Complaint I made my mortgage payment on XX/XX/XXXX for the XX/XX/XXXX payment prior to the end of the month to satisfy payment prior to being made before the end of the month. 

Due to this being a XXXX and a banking holiday on XX/XX/XXXX and XX/XX/XXXX being a XXXX  XXXX XXXX  did not withdraw the payment and consider the payment made until XX/XX/XXXX. 

I attempted to discuss this with XXXX as well as submitting an electronic dispute of the credit delinquency and have not been able to rectify this with XXXX XXXX  directly
Product: Debt collection

Repeated calls everyday, leaving no message as to their business matter or any message whatsoever ; they hangup. When I have answered calls the call is either : disconnected or routed to an automated service with no ability to speak with someone. 

I owe no debt other than Student Loans and their calls are stress to me and cause inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX  : {$11000.00}.
Product: Credit reporting or other personal consumer reports

I noticed on my report an account called XXXX XXXX XXXX acct # XXXX. I found eeeors and incosyistancies in the dates and amounts and history payments. This is against the law to report incorrect information. Please investigate my credit report.
Product: Debt collection

I received a letter by mail to home address from a company called Coast Professional , Inc say we are contracted with IRS, and you have debit collection you should pay for us of an amount {$880.00}. This debit dated on XX/XX/2023 it's new, I do not know why the IRS not write to me to my home address directly to ask me to pay this amount? 
I am not sure if this kind of scam or not. Is this amount is correct to pay to them or not? 
They put in their notice : Taxpayer Authontication:XXXX Original creditor : IRS Account NumberXXXX Primary Taxpayer ID : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please just I would like to verify if this a fake company practice scam or thos debit collection is correct of the IRS. 

Kind regards, XXXX XXXX
Product: Debt collection

This people send letter about a medical debt i am requesting info and they no respond i attach here the info i need, this violate Hipaa law. Also this account is the same i received from another collector " XXXX '' and the account was removed after my complaint NOW you tried to do the same!
Product: Debt collection

Good Morning : Sentry Credit , Inc . 
XXXX XXXX XXXX XXXX, WA XXXX I contacted Sentry Credit , Inc on XX/XX/2023 to validate a debts of {$15000.00} and set up a payment arrangement for a debt that I owe to XXXX XXXX apartments. This is an apartment that I rented for my son and where I know the debt is outstanding the company has never provided me with a letter to allow me to validate or dispute the debt. I have since received an email from the company and I called them back on XX/XX/2023 to provide my payment and they took my bank account information and stated that it was going to take them 13 days in order to provide me written confirmation of my payment. This is truly concerning to me and I am not sure why it takes so long to provide me a receipt for my payments. During the call the gentleman ( XXXX XXXX stated that he was writing my information down and I questioned his response and asked if he was entering the information into a system or was he writing it down. He appeared to be offended however, I have a right to understand how my information is being handled. Also, the company has not provided a written confirmation of the payment arrangement that we agreed to which was {$150.00} for the initial payment and {$150.00} a month to be collected on the XXXX of the month. They told me that they would call me to collect my payment however, I am concerned that they don't have an automated system where I can go and make the payments. I don't choose to be called to pay a debt and should be provided a means to make payment without disrupting my day with a call from the debt collector. 

Every transaction I make with this company should be followed by a written confirmation and not a number provided over the phone. What proof is given to me to state that I have made the payments? How do I know what they are planning to DRAFT out of my account if they don't provide an immediate confirmation of the transaction? 

I asked many questions on the call and they told me I have to wait for an email.
Product: Debt collection

on XX/XX/2023 i sent an cell equipment back to XXXX. i have the proof and tracking number provided by XXXX. after several months i notice a credit report against me in reference to this. i contacted XXXX  to solve the problem and they said the package was received at the warehouse but they don't had the equipment, they couldn't find it on the warehouse. i was very disappointment by that statement since they agreed being receiving the package. my responsibility on the equipment ended at the moment i sent it to them!. they did several searches and equipment wont be found. but they don't have any rights to bill me for an equipment that was sent and received by their warehouse. unfortunately we didn't reach to an agreement. I report this problem to all XXXX bureaus and that report still on my credit report which is in detriment on my credit history.
Product: Vehicle loan or lease

I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. I was not expecting a bill. In XXXX of XXXX Carmax Auto Finance sent me a bill which is a violation of 15 USC 1692b. 

I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. In this transaction there was a cash down payment which CONGRESS said pursuant to 15 USC 1605 The finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer credit transaction and is ILLEGAL. 

I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 ( 5 ) a finance charge should include premium or other charge for any guarantee or insurance protecting the credits against the obligors default or other credit loss. I have been paying separate insurance for this vehicle and that is a clear violation. Check my consumer credit sale contract and you will not see my insurance involved in my finance charge.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX - XXXX  {$2500.00} Account Name XXXX XXXX  # XXXX - XXXX XXXX$2500.00} Account Name : XXXX  # XXXX - XXXX {$600.00} Account Name : XXXX # XXXX - XXXX XXXX$1900.00} Account Name : XXXX XXXX # XXXX XXXX XXXX {$120.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} Account Name : XXXX XXXX XXXX - XXXX  {$1400.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX {$1900.00} Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX {$610.00} Account Name : XXXX # XXXX - XXXX {$1500.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX