23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I found a collection account that was added to both my XXXX and XXXX credit report agencies in XX/XX/2023. I filled a dispute with both credit report agencies advising them that the account did not belong to me. Both credit report agencies stated that the account was verified which I disagree. 

The debt collection agency has not sent me any proof of validation what soever either via mail or email communication. 

They have not provided verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, they have not provided a copy of the written agreement that created my original requirement to pay. 

A copy of the last billing statement sent to me by the original creditor has not been provided to me proof of validation Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Debt collection agency : Consumer Adjustment Co Original Creditor : XXXX Date opened : XX/XX/2023 Original balance : {$3400.00} Balance : {$3400.00} I emailed the original creditor advising them about this fraudulent account that does not belong to me. As of today they have not responded as well. I also attached a police report and the email that was sent to the original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently refinanced our our home and part of qualifying for the best rate the mortgage company used Equifax to investigate my credit. My score came back at a XXXX which is less than the XXXX I needed to obtain the best rate. The reasons stated by Equifax for my score were : SERIOUS DELINQUENCY PROPORTION OF BALANCES TO CREDIT LIMIT IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS LENGTH OF TIME ACCOUNTS HAVE BEEN ESATBLISHED TOO MANY INQUIRIES LAST 12 MONTHS I have attached my credit report from Equifax and there are no records showing delinquent and the only hard inquiry in the last 12 months was the mortgage refinance I was applying for at the time XX/XX/2021. 

I disputed the credit score through Equifax 's dispute process twice and asked Equifax why the I got a score of XXXX. Equifax dispute XXXX and Equifax Dispute XXXX. 

Both responses from Equifax just said they would pleace my consumer statement in my credit file. They did not answer my questions as to why my score was XXXX and the reasons they originally stated are not reflected in the credit report they provided me as the consumer. 

I am looking for the answers and an adjusted credit Score. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all inaccurate information on my credit report with transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX FCU Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # 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 an account without my written instructions
Product: Student loan

WITHOUT ANY WARNING WHATSOEVER, EDFINANCIAL HAS RE-ALLOCATED MY PAYMENTS AGAINST MY EXPRESS INSTRUCTIONS. In particular, my payment of {$1000.00} towards XXXX XXXX from XX/XX/XXXX has been re-allocated between XXXX XXXX  and I without any instruction from me, and my payment of {$200.00} towards XXXX XXXX from XX/XX/XXXX has been re-allocated between XXXX XXXX  and I without any instruction from me. This is bordering on fraud because Edfinancial is suspiciously re-allocating payments to keep me from paying down XXXX XXXX before payments resume in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), this company is required by federal law to verify, through the physical verification of the original signed consumer contract. This has not been produced, nor has account has not been validated, in the allotted timeframe. I have yet to hear a response from company. I demand deletion of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY FRAUD MY WALLET WAS STOLEN AND SEVERAL YRS LATER FRAUD ACCTS HAD APPREARED ON MY CREDIT BUREAUS AND LATES STARTED HITTING MY CREDIT AND I HAVE SINCE BEEN DISPUTING AND I WAS ABLE TO GET MOST OF THE FRAUD ACCTS OFF HOWEVER THE 2 ACCTS SUNTRUST AND XXXX LISTED ON MY CREDIT IS STILL ON MY XXXX REPORT I HAVE TRIED ALL I CAN'T TO HAVE THOSE ACCTS REMOVED THEY DID REMOVE THEM FROM MY XXXX XXXX AND XXXX HOWEVER IT REMAINS ON MY XXXX AND HAS AFFECTED MY CREDIT GREATLY
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 : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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: Checking or savings account

Hi, my BMO Harris bank checking account has been closed on XX/XX/XXXX. I had a negitive balance of {$170.00} that i new of and had the money short after they closed the account. During this coronavirus pandemic crisis they still closed my account without any warning or calls besides one email that said the account will be closed because of insufficient funds. And not allowing me time to pay them during this crises. I called the main corporate office and they just told me all i have to do is go to the branch give them what i owe and they would reopen the account as soon as i make it current from the drive through. Well i tried to make the deposit and the teller at the branch told me i couldnt and it is not that easy, telling me it will take up to 7 weeks because it is alot more complicated than that. I feel during this pandemic they should have made sure the bank account wasnt ever closed because i have to have it open now.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I pulled my XXXX credit report on XX/XX/2022, I noticed 3 sets of hard inquiries that were reporting duplicate inquiries totaling 6 hard inquiries. I contacted the Bureau and the organizations about the inquiries during the past 2 weeks. The bureau demonstrated an unwillingness to assist. I also contacted the companies and they were not able to direct me to the team that can assist with this issue. I provided information that supported that I have been the victim of ID theft and that there were several attempts to access my credit in the past year plus. The organizations in question are Pentagon Federal Credit Union and XXXX XXXX XXXX XXXX which pulled my credit 4 times in the past 18 months.
Product: Mortgage

Because of the last complaint I filed, during the closing the company decided to fine/steal {$230.00} from me. They claimed it was interest owed to the XXXX. I contacted the XXXX and they said that was lie. I contacted McCue Mortgage again and they confirmed that and said they would refund me the {$230.00}. I never received payment.
Product: Bank account or service

I walked into a Branch to pay a loan which was about 30 days past due.! paid the required about to satisfy the loan amount for the period. The loan amount was {$270.00} my pay check for the same period was {$280.00} and we are in a work slow down. So although I made the payment I was still past due. But I should have been current to that point. Now when I get calles from the bank they say I am XXXX days past due. And they have n't received a payment since XXXX XXXX although I paid them XXXX XXXX. So during this time I ca n't afford the banks manipulations of my money. On another note I had hope to get caught up with income tax return. But someone has stolen my SSN and applied for my income tax return. So when I filed they said I had already filed and now I am dealing with Identity theft. IRS is difficult to deal with having an I do n't care attitude, I 'm just doing my job. So the help I counted on is not coming for some more months and my pay is reduced to two days a week. The company does not supplement my income with unemployment ( XXXX ) they should but do n't. ( Texas ) Please note because they in the past have manipulated overdrafts and payments bouncing I have removed my money from this bank. But because of these loans which originated at XXXX which left the State and sold these loans to BB & T. I am forced to deal with them. But I can only try, but without extra money I will not jump through the hoops.
Product: Mortgage

On XXXX XXXX XXXX Bank of America provided an Escrow Analysis Statement that showed I had a shortage of {$820.00}. On XXXX XXXX I went into the Branch and paid the Escrow shortage in full, which then reduced my payment by {$46.00} a month. On XXXX XXXX, BOA produced another Escrow analysis Statement showing an increase in Escrow payments and an Increase in mortgage payments. In XXXX I was a victim of Mortgage Servicing FRAUD by Bank of America due to BOA Increasing my escrows by {$2000.00} a month for Property Taxes " I did not owe '' ( as confirmed by the Independent Foreclosure Review ) on this very same mortgage. It appears their pattern of inaccurate Escrow Analysis and Payment changes have begun all over again!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open up bank accounts at several banks and they keep denying me because of something on my credit report that has something to do with XXXX XXXX.
Product: Mortgage

On XX/XX/XXXXwe signed a modification with XXXX XXXX XXXXXXXX under the program of NV Hardest Hit with the purpose of receiving long term financial relief. The agreement among the Hardest Hit program and the lender was from the program to pay the lender toward the principal {$50000.00} and the lender to match other {$50000.00}, consequently, reducing from the principal balance {$100000.00}. According to the figures drafted by the bank the principal was {$220000.00} which represents an inflated principal from {$210000.00} to {$220000.00}. A total of {$130000.00} of the new principal balance shall be deferred. The total deferred principal balance will be treated as non-interest bearing principal forbearance and I will not pay interests of make monthly payments on this amount. The new principal balance less the total deferred principal was {$90000.00}. The standard contingent forgiveness principal balance total {$38000.00} all of which the lender agreed to permanently reduce and forgive the total deferred balance. XXXX XXXX XXXXXXXX, intentionally and maliciously offered me a second modifications that according to them was for my benefit on XXXX, and without disclosing to me the terms change of the loan offered me a 3.5 % interest a reduction of 1 % of my previous modification interest bearing, with the deceiving trick of taking away my financial long term relief from the modification of XXXX. They took away my benefit of having the {$38.00}, XXXX forgiven. And without disclosing this terms change to me and hidden the paperwork from my review they added this amount to the new principal balance making up to {$120000.00} which makes harder for me to pay the loan. This modification shouldn't be enforced because we signed the papers on XX/XX/XXXX and the bank rep on XX/XX/XXXX which it was not provided on the required date before XX/XX/XXXX. Consequently, this makes this second modification void, the first one of XX/XX/XXXX is active. XX/XX/XXXXXXXX clearly tricked us because we are elderly and minority. The NV Hardest Hit program was a great benefit to give us the opportunity to stay on our house and have a long term financial relief. The behavior of XXXX is clearly of a predatory mortgage lender. After the illegal change of my loan terms they passed the loan to one of their servicers XXXX, and presently to Bayview with the purpose of keeping me on the loop after inflating my mortgage loan and making more difficult for me to pay the entire mortgage loan and for they to repossess, sell, and make more profit. They transfer the loan one month after to XXXX which behavior showed that the purpose all the way from XXXX was to forclose on us by having XXXX to refuse payments until one day that they sent a threatening letter talking about forclosing and imposing more fees.
Product: Credit reporting

I have multiple hard pull inquiries well within the allotted 15 days. Multiple inquiries within 15 days of each other are to be treated as only XXXX inquiry [ for home mortgages and auto loans ] My inquiries were to get pre-approved for a home mortgage. XXXX and XXXX XXXX both pulled an hard inquiry on XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX inquiries on the same day. 
Also XXXX pulled a hard inquiry on XXXX XXXX, XXXX and also on XXXX XXXX, XXXX. Only one day later. XXXX XXXX XXXX XXXX inquiries in two days. 
I want XXXX of these XXXX inquiries deleted, as per the credit bureau 's own rules. 

Also I want it known that I did not authorize The Pre-Check company to pull a hard inquiry on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I tried many times but Experian credit freeze website always return " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered ''. We also called Experian 's freeze phone number but there are dozens of documents we are asked to mail to Experian : Experian simply do not want to freeze people 's credit.
Product: Vehicle loan or lease

Received an XXXX loan through Bank of America. Vehicle with all fees purchased for {$37000.00} in XXXX. In XXXX XXXX XXXX vehicle was repossessed and sold in Auction for {$21000.00}. Bank of America is falsely stating I owe them {$11000.00} without giving validation of what the vehicle was sold for and what was covered in reimbursement from the GAP insurance as the lost. I've requested this information and have been told they can not provide me with verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating. " They do not report any bankruptcies to anybody. '' So, if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States : The term " investigatibve consumer report '' means a consumer report or portion there of in which information on a consumer 's 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 consumer 's 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. 

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. My name is not accurate and date of birth.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy.

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

According to : 15 USC 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 card or prepaid card

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX
Product: Credit reporting or other personal consumer reports

Why am I still getting emails from the bureaus saying Im helping credit repair companies? This is wrongI send out the letters. Act now or I will sue. Heres the list of negative accounts and inquiries I wantto remove. 

Equifax : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and noticed XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and multiple inquires that I've never heard of nor had business with! The inquires are included in the Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Furthermore you have 4 business days after receipt of this Notice to block this fraudulent account from my consumer report. according to 15 USC 1681C ( a ) Except as otherwise provided in this section, 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. Identify Theft report and proof of identity enclosed as required by federal Law. Also the conduct of XXXX XXXX Services is an act of racketeering activity counterfeiting my signature and credit agreement is a violation of 18 U.S. Code 1961. Also reporting the accounts to my credit file with extortionate intent is also a violation of 18 U.S. Code 1961 ( 1 ) This is Notice to Cease and Desist from all communication including the credit report agencies I refuse to pay the alleged debt because I have no obligation to XXXX XXXX XXXX I have never entered into a consumer credit transaction with XXXX XXXX XXXX or its agents or employees and never gave you or your agents permission to use my personal identifying information which was obtained by aggravated identity theft in violation of 18 U.S.C 1028A. See attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I allegedly had one late payment ( XX/XX/22 ) on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks You
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to access my transunion file to unfreeze my credit and its not allowing me it say unavailable. I am not getting any help from representatives
Product: Credit reporting or other personal consumer reports

I am formally requesting a follow up in this complaint to update the account in my credit profile that is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and XXXX be investigated by the Federal Trade Commission. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/20XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : XXXX XXXX XXXX Date opened : XX/XX/2021 XXXX Balance : {$0.00}. In addition please provide evidence that the account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccuracy on this accounts information as quickly as possible.
Product: Credit card

Some months ago, as I was going through PayPal signing up process, I was also enrolled in PayPal credit without my knowledge. I only recently found out about it. I never requested this line of credit. I am afraid it affected my credit score which most likely affected my mortgage rate from a recent house purchase. I do not want PayPal credit card. I have no use for it. I would like PayPal to correct their action, but I am afraid that getting rid of this line of credit will again hit my credit score. Who is now responsible for the additional interest rate that I will incur over the life of the mortgage?
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter asking for proof of my paperwork and still have not received anything yet I do not recognize this inquiry To be mine approximately a year ago I had some fraudulent activity down to my account and I believe this is part of it