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

This is being sent in response to notices sent to me from " XXXX XXXX '' '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.This is NOT a request for verification or proof of my mailing address.I have requested for VALIDATION and PROOF OF CLAIM Several times. So again for my THIRD request, I ask that your offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt.Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming XXXX/XXXX  as an entity entitled to enforce a commercial claim against me.
Product: Debt collection

It is incomprehensible why your bureau allowed fraudulent accounts to remain on my credit report in the first place. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and an egregious failure on the part of your bureau to protect consumers. As the victim of identity theft, it is both confounding and distressing that your bureau has failed to comply with the law and continues to allow these fraudulent accounts to persist on my credit report. This not only contradicts the actions taken by other credit bureaus but also raises serious concerns about your bureau 's commitment to adhering to legal standards. 
XXXX XXXX -PLEASE DELETE!!! XXXX have already removed this account from their records. 
I demand an immediate and thorough re-evaluation of my dispute, accompanied by a detailed explanation of the verification process that led to the denial of the removal of these fraudulent accounts. Your bureau 's lack of responsiveness to my requests and its failure to comply with legal requirements are unacceptable and warrant urgent attention.
Product: Checking or savings account

I called chase bank claims department for a transaction that the merchant would not refund. I received the incorrect items at XXXX XXXX and returned them to the restaurant and they would not refund me. Chase stated they dont handle these claims and could not do anything. I have no items and have been charged 91.62 and Chase will not help me. They can not even send me anything in writing that states they do not handle food merchants.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following Accounts have violated my rights : 1 ) XXXX XXXX Account # XXXX, amount {$520.00}, Date Opened XX/XX/2018 2 ) XXXX XXXX, Account # XXXX, amount {$61.00}, Date Opened XX/XX/2018 15 U.S.C. 1681 Section 602 A States that 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud account Account link to old address I never signed for inquiries I never did
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given any company consent to use, report or inquire on my behalf. I have called XXXX several times to remove inaccurate inquiries and have not received remedy. 

I was given a number to call XXXX XXXX XXXX XXXX XXXX services also known as CB Indigo for inquires on XX/XX/XXXX and XX/XX/XXXX the company said they have no knowledge of an inquiry made through my name or social security number, therefore they have no way of sending XXXX any information to verify the information. I called Back a XXXX time and informed XXXX of this information and the agent I talked to was very combative. They seem to have no knowledge of how I can complete my task. 

Inquiry for XXXX XXXX XX/XX/XXXX I did not give consent for inquiry I was told there was no phone number for contact to verify any information.
Product: Mortgage

I received an escrow check in my deceased husband and my name. Check dated XX/XX/XXXX. I contacted NewRez LLC and requested the check be re issued in my name. I did not hear anything so I contacted them on XX/XX/XXXX to inquire. On tis date I gave my routing info for my bank and was told it would be in my account within 2 days. It was not. I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and to this date XX/XX/XXXX it is still not in my account.
Product: Mortgage

Capital One 360 purchased ING Direct ( a year or so ago ), from whom I have a mortgage since XXXX XXXX. The mortgage has never had any escrow, and on XXXX XXXX, XXXX, I received a notice that an escrow amount was to be added to my payment, in the amount of {$150.00} to cover some projected shortage of {$1800.00}. There was no explanation of where this " shortage '' came from, since I have kept insurance on the property and the taxes paid throughout the mortgage term. I faxed insurance coverage information on XXXX/XXXX/XXXX and stated my concerns about the escrow addition, and I requested confirmation that my issue had been heard and was addressed. I heard NO RESPONSE from Capital One 360, until I looked at my account on XXXX/XXXX/XXXX and saw no change. I then made another call on XXXX/XXXX/XXXX and faxed additional information ( on XXXX taxes ). In a conversation with XXXX at Capital One 360 on XXXX/XXXX/XXXX, I am now told that a force-placed insurance policy was purchased for the property in XXXX for over {$2700.00}, and that when I faxed in proof of insurance back then, a credit of {$1100.00} was provided. I have that letter from ING Direct. Please know that my XXXX insurance premium for this property is around {$900.00} per year, so even this purported " credit '' of {$1100.00} exceeds a reasonable annual premium amount. And they are still looking for nearly {$XXXX} to be repaid for their force-placed insurance policy in XXXX that was XXXX times ( XXXX ) the amount of a XXXX policy. I do not believe that I should owe anything further to this lender since it is clear that there was an attempt to gouge me as borrower. After I noted my intention to file a complaint with the CFPB, my call on XXXX/XXXX/XXXX was escalated to XXXX, who indicated that their force-placed insurance policies can be priced up to XXXX a reasonable policy premium. I do n't agree that this is an acceptable way to do business.
Product: Credit card or prepaid card

The interest charges from the fraud claim were not all reimbursed. They started accruing in XXXX and I only paid my balance minus the fraud charge and interest associated with not paying my balance in full like I do every month. I called them to ask for the credit of {$100.00} that they still haven't paid and got an email denying my request. So please help me. Thanks. ( I've been a Bank of America customer since 1994! ).
Product: Debt collection

I received a letter from ERC Debt Collection a debt I do not owe this is a collection from XXXX 3 years ago fraudulent account results in identity theft. This account was sold to 5 different collections of business. Neither one couldn't validate the debt. I do not live in XXXX Texas. I live in XXXX XXXX Texas
Product: Credit reporting or other personal consumer reports

I am writing to formally address multiple unresolved issues with the information on my credit report, despite previous communications and disputes I filed regarding inaccuracies. I initially reached out to TRANSUNION to correct discrepancies in my credit report, including errors with the dates of last payments, dates accounts were opened, payment history, and account status. After providing you with supporting documentation, I was assured that an exhaustive examination had been conducted. 
However, as of today, my credit report remains unchanged, and the errors I reported are still present. Furthermore, I have noticed that negative actions have been taken on my credit report, despite the unresolved inaccuracies. My full name is XXXX XXXX XXXX, and my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
My date of birth is XXXXAs a consumer, I have the right to dispute inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), TRANSUNION is required to maintain reasonable procedures to ensure the accuracy of the information provided. Since I submitted clear evidence of inaccuracies, your failure to correct these errors constitutes a violation of this requirement. Under 15 U.S.C. 1681i, when a consumer disputes information on their report, TRANSUNION must investigate the dispute within 30 days. It has been over XXXX  days since I filed my dispute, and I have not received any update or resolution. This delay in investigation and failure to provide a clear response is a violation of my rights. Additionally, under 15 U.S.C. 1681 ( a ), my right to privacy is protected, and under 15 U.S.C. 1681b, a consumer report can not be furnished without my written consent unless specific exceptions apply. If any information from my credit report has been accessed or shared with third parties without my explicit consent, this would also constitute a violation. I ask that you confirm whether my written consent was obtained for any recent report disclosures. As part of my efforts to resolve this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX. I trust that TRANSUNION will cooperate with the FTC in addressing these issues, as required by law. To resolve this matter promptly, I request that you conduct a thorough reinvestigation of my credit report, specifically addressing the inaccuracies in the dates of last payments, dates accounts were opened, payment history, and account status. I also request that any erroneous information be corrected or removed immediately. Furthermore, I ask for a detailed written response outlining the steps taken to correct these inaccuracies and actions taken to ensure compliance with the FCRA. If these issues are not resolved within XXXX  days, I will be forced to consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and a resolution within the legally required XXXX timeframe.
Product: Credit card or prepaid card

120 days plus now and I dont have a replacement card but they continue to try to extort me for money for the account.
permanent closure demanded multiple times for violations of cardholder agreement ( " the CONTRACT '' ) which is long time now VOID. No debts can, will be collected nor will accts be resold or posted to any bureau. since I havent been late- all late charges and reporting will disappear.
so will all account reporting. these accounts will go away as if never opened, and I will not be slandered further, or marketed to EVER. nor will my grandchildren 20 generations deep or more. 

company will remove all social media postsand accounts immeadiately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These inquiries must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My wife and I tried applying for a first-time home mortgage and were denied based on inaccurate information and possibly non compliance with the CARES act of XXXX. We accepted the services of a debt repayment company XXXX XXXX in XXXX. We made our payments on time and in XXXX of XXXX, we paid the full remaining balance of approximately {$7900.00} dollars. What we did not know was that this company would place our credit in bad standing with all 3 credit agencies. We have Charge Off 's and late payments listed on our credit reports. This was never disclosed to us when we agreed to use the company for services. I reached out to all 3 agencies to dispute these bad marks and was ignored. We met with a mortgage lender and were told we have past due amounts on my Federal Student loans which under the CARES act are in forbearance until XX/XX/XXXX. This is a criminal violation if used for determining denial of an FHA loan. We have less than {$2000.00} in credit debt, all payments are on time with average open credit accounts, we make a combined income of {$76000.00} and are gainfully employed in essential job duties and can not get a home mortgage. Who can help us or protect us against unfair marks on our credit?
Product: Debt collection

I was served with a summons by a process server for an amount owed to XXXX XXXX. After researching the debt was charged off and a 1099 assigned. The 1099 assigned to me is considered a certificate of indebitness and considered income. Any liability for any debt owed I will deal with the company I went into contract with. I have never contracted with Midland credit, I have never signed any documents or conducted any business with Midland credit nor have I ever been contacted by Midland credit regarding this supposed debt to them. Any derogatory information from Midland credit should be removed from my credit report immediately per 15 USC 1692 ( a ) ( d ) for violation of my consumer rights and abusive debt collection tactics.
Product: Debt collection

On XX/XX/2012, a collection was opened with US COLLECTIONS WEST IN. I got a derogatory mark on my XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and have this negative remark removed from my credit report.
Product: Credit card

I took out a loan on my Chase credit card that had a low interest rate and fixed monthly payments. I was subsequently penalized for continuing to use my credit card. I wasn't able to chose where my payment went. Chase puts it towards the lower interest loan until it's paid off leaving my newer purchases on my card with the higher ( over 20 % ) interest rate. This is possibly in the fine print somewhere but definitely was not expected from what I thought was a reputable company like Chase. 
The supervisor I spoke to definitely had a script and read it. When I asked more questions he told me that he already explained it and hung up. They say they record the conversations so it should be there. Needless to say I will be paying off the Chase credit card and cancelling it and using my XXXX card from now on.
Product: Credit reporting or other personal consumer reports

I've fallen prey to identity theft, and it's perplexing that only XXXX has removed the following fraudulent accounts. Nordstrom {$780.00}. XXXX {$5000.00}. Department of Education {$630.00}. Despite numerous attempts to validate the debt, both XXXX and XXXX have neglected to do so. My XXXX credit score stands at XXXX, but XXXX and XXXX are unfairly damaging my character and hindering my ability to lead a decent life by inaccurately reporting these accounts without evidence of my ownership.
Product: Debt collection

Disputes were submitted to XXXX  on XX/XX/21 and also on XX/XX/21 to dispute the Accuracy of the information on my Credit Report regarding a debt collection company named LVNV FUNDING. The Dispute Reasons were ( 1 ) The balance and/or past due amount are/is incorrect, ( 2 ) The account is settled for {$480.00}. The results from XXXX  for the two separate Disputes were dated XX/XX/21 and XX/XX/21. Both Investigation Results continued to report INCORRECT INFORMATION for the Balance Owed. Most Importantly XXXX  did not even make any mention of the Dispute Item regarding the fact that the account with LVNV was Settled for {$480.00}. It appears that LVNV and XXXX  completely ignored my Dispute about the account being settled. Monthly payments are currently being handled by XXXX XXXX XXXX. It is my wish that XXXX  will remove LVNV COLLECTIONS item from my credit report. XXXX  and XXXX  removed LVNV collections from those credit reports several months ago.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX  XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX - Account Number:XXXX
Product: Credit reporting or other personal consumer reports

n 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 XXXXXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS REPORTING INACCURATE XXXX CHARGE-OFF. 
DELETE XXXX CHARGE OFF XXXX AND XXXX is not reporting this charge off at all. XXXX and XXXX haveDELETED THIS CHARGE OFF. 
DELETE CHARGE-OFF IMMEDIATELY
Product: Mortgage

I received a letter from my mortgage servicer select portfolio servicing , Inc. indicating my loan was transferred to XXXX XXXX XXXX  effective XX/XX/XXXX. I called XXXX bank on XX/XX/XXXX and they don't have any record of my mortgage and assured me they didn't purchase it. They confirmed the address and phone number on the letter from select portfolio servicing , inc. is not their number or address. I just want to pay my mortgage and I am unable to do so. This is either fraud or incompetence and I am not happy with them. 

the adders for the payments is to XXXX XXXX XXXX. I don't know if this is a scam where they are trying to steal money or not.
Product: Vehicle loan or lease

Santander Consumer USA took a payment that I made 20 days before it was due and applied too much of the money towards the interest rate opposed to the principal of the loan.
Product: Credit reporting

I have called, emailed and faxed to Equifax that they are not reporting my current credit cards, Why is it that XXXX and XXXX can do everything right except Equifax. 
I want my XXXX credit cards that i use to report on my Equifax report. They are hurting my score and paying history because they still to this date after months of telling them to add these tradelines to my report. 

1 ) XXXX Credit Card ... XXXX 2 ) XXXX XXXX ... XXXX 3 ) XXXX ... XXXX 4 ) XXXX ... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover and XXXX XXXX have reported balances on my report that were unauthorized by me. I never received d XXXX form requesting to use my information in any other way than to obtain the credit line I already secured through our contractual agreement. Therefore, I will need my balance reported to always reflect {$0.00} owed, as well as on time payments for the remainder of our business relationship.
Product: Credit reporting or other personal consumer reports

I have made efforts to address this issue by reporting the inaccurate information, which has severely impacted my personal life and caused significant emotional distress. The presence of these fraudulent and incorrect items on my consumer reports has prevented me from purchasing my dream car and providing for my family. This information is not mine, and I did not consent to its inclusion in my consumer report. As a victim of identity theft, I have attached my letter along with the FTC report for your reference. If this matter is not resolved promptly and appropriately, I will have no choice but to take legal action.
Product: Credit reporting or other personal consumer reports

I discovered XXXX inquiries on my credit report that were unfamiliar to me.

I contacted each financial institution and each informed me that they were not done by me.

Here is the list of each company that verified that it was not me that inquired for the credit cards. 

XXXX. Syncb-Amazon phone number XXXX XXXX. Synchrony-financial phone number XXXX XXXX. XXXX XXXX  phone number 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.