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

This account has a lot of missing information to tie this up to me. I have been disputing for awhile now and I am still getting this kinds of account. I am trying to get help here. Clearly if you will just take a look, this reported account is empty and invalid.
Product: Mortgage

We think our mortgage company is asking for too much escrow money. Our escrow balance is currently XXXX. They are increasing our monthly escrow payment to XXXX. Which means my escrow balance after my XX/XX/2017 payment will be {$2100.00}. My total taxes and insurance are XXXX. XXXX of that is {$920.00} per month ; however, the bank is asking for XXXX per month. After I make my XX/XX/XXXX payment my escrow balance will be XXXX so even at the inflated amount of XXXX per month they will have more than 2 months worth of escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION I have contacted Transuinion multiple times through phone calls and certified letters in order to resolve accounts that have been reporting incorrectly on my credit report. In order to resolve the issue I have asked Transunion for verification and how they verified said accounts. The FCRA states they have 15 days to do this, in which they have also failed. There have also been many discrepancies with the falsely reporting accounts such as balances on closed accounts, accounts that do not show up on other reports, for the accounts that are reflected on other credit bureaus they have discrepancies on the open and close date. There have also been inquiries reporting in which I did not authorize. I have also called and written letters regarding this as well. The said accounts/inquiries are listed below : Accounts : -XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX I have the same complaints XXXX XXXX, the accounts and inquiries are listed below : Accounts : -XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXX INQUIRIES : XXXX XXXX XXXX  request by XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX request by XXXX XXXX XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX chargeoff on my report The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file one complaint on XXXX XXXX XXXX and today I received a notice that this fraudulent account was updated again and it cost my score to drop. This should be removed from my account as I HAVE NEVER HAD A XXXX XXXX  CARD. I did again reach out to them and if they don't stop this activity I am going to my local Maryland State Police XXXX XXXX and report it. How can they take pleasure in destroying peoples lives? They have failed to provide any of the credit bureaus with information and refuse to send anything to me. They have a XXXX  address and I have lived in XXXX  for 31 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation AND THE ACCOUNTS ARE NOT MINE! 
Account Number XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of TRANSUNION to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), TRANSUNION has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX XXXX  - ACCOUNT NUMBER XXXX Date Opened : XX/XX/XXXX Date Report : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented. 
15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed. 
Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section 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. 
Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that TRANSUNION has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of TRANSUNION may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 
I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue.
Product: Debt collection

I wasnt aware that the original debtor sold the debt to a third party law firm the amount they are saying is owed they never reached out to me to settle the debt. They have been reporting to my credit as well these are all false and misleading practices the amount o they are wanting to collect is only {$160.00}. I dont know any of the people involved attempting to collect the debt my information has being given away without my consent to any of this.
Product: Mortgage

I am a XXXX. I submitted a loan modification package to a lender on XXXX XXXX, 2016. The file is in the bankruptcy department. I had an attorney to write a letter authorizing the lender to be able to speak to the debtor and myself in order to assist with the application. The lender rejected the first letter that was sent XXXX/XXXX/16 stating that the attorney wrote Ladies and Gentlemen instead of " Dear Lender '' and they had to specifically say " I give " Lender '' permission to speak to the debtor. I followed up today and now they are saying it is being rejected because the attorney put they could speak directly to debtor or my company. They want the attorney to write another letter stating it is ok to speak directly to the debtor and not include my company. And in order for them to speak to me I have to send in a TPA from the debtor with their signature. I faxed over 2 different TPA 's originally when the first package was faxed over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXXXXXX  ran on XX/XX/XXXX XXXX ran on XX/XX/XXXX XXXX XXXX ran on XX/XX/XXXX XXXX XXXX  XXXX XXXX ran on XX/XX/XXXX I contacted XXXX  on XX/XX/XXXX, about unauthorized inquiries. I reviewed a copy of my credit report and the following companies ran an unauthorized credit inquiry on me on : XXXX XXXX XXXX ran on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ran on XX/XX/XXXX I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Bank account or service

I signed up for an account with 5/3 after they advertised a promotion to giveyou {$53.00} for free if you signed up when they first opened. They gave me anadditional {$53.00} for shredding my other bank 's ATM card in front of them. I wasrequired to deposit {$50.00} in the account to open it. In 2012, they closed mychecking account without my knowledge and without notification. Apparently, they have been deducting money from my savings account since 2012 forinactivity on the account. I received a notice a few weeks ago that it was the '' final notice '' even though it was the first I received, that my account wasactually in a NEGATIVE status and they were going to send me to collections. 
They have taken all of my {$150.00} and actually taken it to a negative balancewithout giving me any notifications along the way. I never received anythingstating that money was being deducted from my account. I called the branchmanager and was told I can only dispute transactions 60 days old or less, andthat the only thing she could do for me was refund me {$11.00} and close theaccount. I offered a resolution to the company to refund me the {$50.00} I openedthe account with and they could keep the more than XXXX of the money they havetaken from me. I was told by XXXX XXXX, office of the president, thatthey would do nothing more than the {$11.00} they refunded. She did n't care thatI told her I would pursue this, and found that it would be worth the {$39.00} Ioffered as a resolution to fight it. 
They maintain that because there was not a checking account, the drafts werevalid. However, THEY CLOSED THE CHECKING ACCOUNT, not me, and they did sowithout notice and without sending me any notifications ( even annual orquarterly ). 
As I am now having to take this beyond the better business bureau, I would likemy entire {$150.00} back that they deducted from my account. 

Fifth Third will respond to this with statements showing the deductions taking place. The question to ask, however, is when were these sent to me? They were not sent to me, neither annually, nor even quarterly. They maintain that it was my job to log in online and notice them taking money from my account.
Product: Debt collection

Caine & Weiner, sent a letter and continues to call regarding an invalid debt. 
Per phone call, a represenatative was advised to only communicate in writing to mailing address. 

Caine & Weiner does not provide an email address, or fax number but their website forces certain terms that are not aggreable in order to dispute alleged debt. Caine & Weiner mandates an email address, a fax number but when I called to receive this information from them to send correspendence in wriitng, Caine & Weiner refused such information. 

Per Fair Debt Collection Practices Act, a debt collector must provide requested information, communicate as requested and provide information to communicate regarding disputed debt with collector.
Product: Debt collection

I filed a previous complaint against this company on XXXX XXXX for calling and hanging up. This company has again called and hung up. On XX/XX/2024 at XXXX LJ Ross Associates made my phone ring several times and hung up. LJ Ross Associates was told to cease and desist from calling me, however ; the have ignored that request and are now harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has re aged my account by reporting the payment history false and the credit bureaus never verified it its an illegally tactic they have use on experience the was supposed to fall off on Experian in the status section on XX/XX/XXXX but they updated there info to experian and XXXX XXXX and they didnt verify I have proof of an old report from experian I spoke to them but they have block my calls which is sad and unjust I have submitted Report # XXXX dated XX/XX/XXXX and clears shows the payment history of XX/XX/XXXX as co and XX/XX/XXXX  last payment on the payment history made XX/XX/XXXX compared to the reaging that shows payment from XX/XX/XXXXtotally illegal and status of this account is schedule to continue on record until XX/XX/XXXX Has magically disappeared please help this fraud
Product: Credit card

Hello, I noticed an hard credit inquiry on my account via my identify guard subscription. Someone tried to open a credit card in my name with Capital One on XX/XX/year>. This reflected on all 3 credit reports. I immediately out a freeze on all my credit. Then, I noticed today. XX/XX/year> that someone tried to open a card/loan with Delaware bank XXXX but I had already frozen my credit. I called Capital One and they instructed me to call all credit bureaus which I did.
Product: Debt collection

This company penn credit corporation about a utilty bill when I never even lived at this address or know anyone that lived there
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account XXXX : XXXX XXXX XXXX & XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX 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, credit repair services, or other personal consumer reports

This is a new complaint as a result of a previous investigation failing to address my complaint. # XXXX I asked that the credit reporting agency provide me with the company name and methods used to verify that a bankruptcy on record is correct. The US Bankruptcy Court does not furnish this information, which indicates the company used a third party. I have a right to know this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of these companies they are reported as inquiries on my credit report ..XXXX/XXXX  XX/XX/XXXX ... XXXX XXXX XX/XX/XXXX ... XXXX  auto XX/XX/XXXX ... XXXX  XX/XX/XXXX ... XXXX XXXX XXXX ... XXXX credit/XXXX XXXX XXXX XXXX XXXX ... .. Toyota motor credit auto finance XXXX XX/XX/XXXX ... ..Us Sm Bus Admin XX/XX/XXXX 2020
Product: Credit card

I am a US citizen and was interested in buying a horse from XXXX. A local XXXX, XXXX XXXX, was contacted by my buyer agent to perform a pre-purchase XXXX exam of the horse. XXXX XXXX was instructed by email to follow the usual procedure for these exams, which is to begin with a review of medical records, if all is well, then proceed to a physical exam. If anything important is found, stop the exam and contact us for authorization BEFORE proceeding with more expensive tests such as XXXX, etc. He agreed to this arrangement in writing and required my credit card information before scheduling. 
On examination, he noticed an XXXX on the horse 's XXXX. The medical records revealed the horse had XXXX a few months before ( and was NOT disclosed to us by the owner ). This is a significant finding and disqualified the horse from purchase. Instead of stopping the exam at this early stage and notifying us, as agreed, the doctor instead continued billing with expensive and unauthorized testing totaling {$3900.00}. 
I tried to resolve this with XXXX. I offered to pay him {$200.00} for his review of records and initial physical exam of the horse when he first saw the XXXX. No response. 
A credit card dispute was immediately started with Chase. Multiple documents and expert opinions supporting my request for a chargeback were submitted. In good faith I made the same offer of {$200.00} which Chase accepted payment. The dispute for the remaining {$3700.00} dragged on. 
Over 4 months later, Chase rebilled me for the {$3700.00} amount. I will appeal this decision again and institute a complaint with CFPB.
Product: Debt collection

- Collection agency I.C System, Inc XXXX XXXX XXXX XXXX XXXX MN XXXX, Phone XXXX sent a letter regarding a debt I did not owe. 
- I immediately sent I.C System, Inc a US Postal Certified letter stating I did not owe the debt and to only contact me by Certified mail, their claim is being disputed and to NOT report me to any agency until this is resolved. 
- I received 1 letter from I.C. System to which I immediately responded and received no other correspondence. 
ILLIGAL Practices : - I.C. System reported me to the credit bureaus for 3 consecutive months. The original letter to which I responded ( I have copies of the Certified Receipt ). Plus 2 consecutive months past the original letter. 
- I.C. Systems misrepresented the information to the bureaus on dates of last payment. 
Thank you
Product: Credit reporting or other personal consumer reports

In XXXX my information was exposed & I was receiving alerts for credit I didnt apply for. In XXXX, XXXX, XXXX & XXXX Ive reached out to all XXXX credit bureaus as well as creditors to get information deleted. They have not properly assisted me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts: XXXX XXXX XXXXxxxxxxxxx and XXXX XXXX XXXX XXXX XXXXXXXXXXXThe accounts were never past due, i never made a late payment to this company ever please change this , i have a good relationship with these companies.
Product: Mortgage

We have submitted paperwork for a loan modification to SPS. SPS will not work with us on a modification due to prejudice of supposed home value. Our home is in a nice area and SPS is overvaluing the home. Our home is now in foreclosure status. SPS wants the home back to sell. SPS has not been helping us in our time of need. The lender consistently had prejudice reagaring the home value. We have seen what the homes have been selling for and it is a lot less then what SPS is estimating. We have been charged excessive fees by SPS making it harder to get a loan modification. We were constantly being asked for the same documents over and over.
Product: Checking or savings account

Tuesday XX/XX/2023 I attempted to access my bank account at Ally Bank. I visited ally.com and input my login information. The website redirected me to this URL : https : //secure.ally.com/temp-unavailable The URL displays this text : " Request can not be processed We're unable to process your request at this time. Please us 24/7 for help. '' I called the help number at XXXX and reached a representative. The representative said : " we are experiencing a system-wide outage at this time our tech team is actively working on getting that resolved call back in 2-3 hours when we are expecting updates to be completed '' I waited a few minutes and tried again, but I get the same error message. 

There is no other option for me to access my bank account.
Product: Debt collection

I recently requested that the XXXX XXXX XXXX XXXX XXXX provide me with competent evidence that I have a legal obligation to pay this company. They were unable to validate said account and I have sent two written request asking for the negative marks on my credit report taken off as for they are reporting to the 3 major Credits bureau 's this action is constitute fraud under both Federal and State Law and they violated the Fair credit reporting act. they violated the fair debt collection practice act in addition to defamation of character.

This company is still in violation of harassment once a written request that no telephone contact be made by the company or the office attempt to telephone commutation with me. Company also failed to provide license number and registered agent or agent of service. a long with a license to collect in the state of which I reside.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; SXXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$650.00} ; ( Original Creditor : T XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/2018 I reported a case with COMPLAINT id # : XXXX-XXXX and XXXX-XXXX. 

I have already made payment of {$270.00} to XXXX XXXX , XXXX XXXX on XX/XX/2018 on behalf of XXXX XXXX Hospital in XXXX Texas and XXXX XXXX Hospital is aware of it. 

Though the payment I made was not refunded back to me but immediately after that payment I started receiving another mail from XXXX ( XXXX XXXX XXXX ) XXXX. XXXX  XXXX, XXXX, OH XXXX asking me to pay {$240.00} for same purpose ( for visiting XXXX XXXX Hospital in XXXX Texas ). 

I called XXXX XXXX Hospital in XXXX Texas today and they told me my account is {$0.00} balance because I settle last 2 months. I later call the XXXX XXXX XXXX and they insisted I must pay the {$240.00} and when I tried to explain to her, she will only say your case will be reported to credit bureau. 

The Reference number they gave me in the mail is : XXXX and pin : XXXX and amount is {$240.00}. I am not owing XXXX XXXX Hospital in XXXX and XXXX XXXX XXXX need to delete my  information from their database. Thanks for your usual support.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries from XXXXXXXX XXXX on XX/XX/year> and XXXX XXXX XXXXXX/XX/year> not authorized by me and need to be removed