23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I hired XXXX from XXXX, Colorado in XX/XX/XXXX to build a prefabricated backyard studio in my property. XXXX was contracted for materials and also provided a certified professional installer. The studio design was signed off on XX/XX/XXXX and construction began once the material arrived in XX/XX/XXXX 2014. 

Due to ongoing issues with the installation, I withheld {$850.00} XXXX XXXX XXXX of the original {$20000.00} owed. {$19000.00} XXXX XXXX XXXX were paid by me prior to the completion of the construction as per the contract with XXXX XXXX. 

XXXX referred the non-payment to a debt collection agency, Agency of Credit Control XXXX as per the letter dated XX/XX/XXXX that I received from the agency. 
However the Agency of Credit Control XXXX has alleged that I owe {$10000.00} ( XXXX ). 

I have notified XXXX and the Agency of Credit Control XXXX that XXXX i ) The amount {$10000.00} of debt alleged by them is incorrect, ( XXXX ) The actual amount {$850.00} owed by me is being withheld pending repairs due of faulty construction. 
XXXX iii XXXX The Agency of Credit Control XXXX must notify all the credit monitoring agencies contacted by them about ( i XXXX and XXXX ii ) listed above.
Product: Vehicle loan or lease

Equifax on my XXXX XXXX XXXX XXXX has not been updated since XX/XX/19 and all payments have been made on time and on my Paper Printed report from Equifax
Product: Credit card or prepaid card

Received EIP card but no PIN. Can't activate card or get anywhere on any website without the PIN. I can't even cancel it by calling XXXX or on the EIPCARD.COM website without the PIN. 

Can't use it, can't cancel it??????
Product: Credit reporting or other personal consumer reports

Ive noticed inaccurate hard inquiries on my credit report, which were not authorized. Kindly delete them.
Product: Credit card

I am a victim of identity theft and have been struggling for the past two years to remove fraudulent information from my credit reports. While I was outside the U.S., USAA SAVINGS BANK credit account was fraudulently opened in my name without my authorization. I have filed multiple disputes, both directly with USAA SAVINGS BANK and through XXXX, XXXX, and XXXX, providing a police report, identity theft report, and my XXXX as proof that I was out of the country when the account was opened. Despite this, USAA SAVINGS BANK continues to deny my requests to remove the fraudulent account.
Product: Credit reporting

There are XXXX state tax liens that are reporting on my credit report. XXXX is from XXXX County Court XXXXin the amount of {$44000.00}. Another tax lien is from XXXX County Court Recorder # XXXX in the amount of {$42000.00} and recently updated to show {$42000.00}. As of XXXX/XXXX/2016 both state liens are fully Paid. 
However, TransUnion is still reporting with a balance due on both accounts. According to FCRA 609 ( a ) ( 1 ) ( a ) and FCRA 1681 ( a ) if after a reinvestigation is completed and the information remains inaccurate, the item ( s ) are to be deleted from credit file if reporting inaccurate.Currently is showing a balance for these tax liens that are identical. It appears on my credit file as XXXX separate tax liens when in fact it 's has always been XXXX state tax lien. 
I 've disputed several times and these tax liens still appears. On my credit file. It 's preventing me from proving a home for my family and getting a job promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

Hunterwarfield has been sending letters that they took over a debt originally with XXXX XXXX for rent North Carolina. I never lived in North Carolina. They are trying to say I rented a home with them and that is not correct because I have proof that I lived in West Virginia and was still working daily in West Virginia when the alleged contract was signed. I have asked several times for verification and have not been provided the information. When I dispute, They remove it from my credit, and then put it back changing the balance from {$1200.00} to {$1200.00}. Making it seem like I have been paying on the debt when I havent because it isnt mine.
Product: Debt collection

Pinnacle Financial Services reported to the credit bureau that they colected a debt of XXXX Dollars for XXXX services. The debt was paid in full to XXXX XXXX. After it was paid Pinnacle reported it as a closed colection. This constituted re-aging of the debt they never had any involvment In collecting thereby severley damaging my credit score with all XXXX bureaus. I never had any correspondence or communication with Pinnacle Debt Services. They have refused to provide me with and valadation of the debt. They are the subject of numerous complaints with the with the XXXX in Minnesota. They are a predatory collection Agency who refuses to follow the FCRA. How can a collection agency report to the credit bureau a debt that i paid to another agency in full. They are engaging in re aging of the debt.
Product: Mortgage

I closed on the sale of my home on   XXXX / XXXX /17.   Round Point Mortgaging  held my mortgage at the time.   XXXX   XXXX   XXXX   contacted  Round Point  for the payoff statement o n  XXXX / XXXX /17. The payoff statement stated {$130000.00} was amount of payoff, good through  XXXX / XXXX /17. A check was sent by   XXXX   XXXX   to Round Point for {$130000.00} on the day of closing,  XXXX / XXXX /17. I cont inued to receive phone calls from  Round Point  in an attempt to collect payment they were saying was past due, so I stopped answering their calls knowing the pay off check was en route. Then I received foreclosure paper work in the mail from  Round Point M ortgage Co. I called and spoke with a woman who told me there was a shortage of {$860.00} from the pay off amount and stated the reason why was because of escrow shortage & fees. She also informed me as of   XXXX / XXXX /17 the amount d ue was $ 1300+. This woman also informed me that   XXXX   other pay off statements had been generated b by Round Point  Mortgage Co since the original da ted  XXXX / XXXX /17. I was told t he reason for the updated pay off statements was due to  Round Point  paying the property taxes that had come due on the property. It took me  two  weeks to actually speak with my " Accoun nt Manager ' ' who then told me it was   XXXX   XXXX   XXXX   XXXX   error, not Round Point 's. After contacting   XXXX   XXXX   XXXX  , they of course stated it was an error o n Round Point  Mortgage Co 's, not theirs, and stated they never received any " updated '' pay off statements ; only the  1st dated  XXXX / XXXX /17. I contacted the Town I live in to find out about the taxes being paid. They received the payment from the buyers of my property and then received Round Point 's check for taxes in amount of {$2000.00}. They have issued a refund to Round Point Mortgage on  XXXX / XXXX /17 for {$2000.00}, which to date is not bei ng reported b y Round Point as r eceived. I received a statement from  Round Point o  n  XXXX / XXXX /17 showin g a balance due now of {$2200.00}. I 'm unclear whether the error was on  Round Point 's  for sending the tax payment or  XXXX   XXXX  for not sending the correct payoff. I 'm under the assumption at this point my next step is t o 1. report this to cfpb and 2.  hire a lawyer to take care of this issue.
Product: Checking or savings account

Transaction history shows too many unaware charges XXXX fees that are not accounted for and created overdraft fees etc. I've been a Wells Fargo customer for 12 years. This is unfortunate.
Product: Credit reporting or other personal consumer reports

Accounts on my credit report that I didn't Open : XXXX. XXXX XXXX secret {$470.00} XXXX. XXXX XXXX  {$590.00} XXXXXXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$480.00} All the other accounts on my credit report were open by me. But there was also a lot of hard Inquires that were not done by me that needs to come off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my fico score today XXXX/XXXX/XXXX, showing I have delinquent accounts on my account that are way over due and I had a 796 credit score and they dropped it down to 700. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an issue with Experian 's handling of my credit report. On XX/XX/year>, I received written confirmation from Experian stating that the XXXX  XXXX XXXX account was removed from my credit report. However, upon reviewing my report on XX/XX/year>, I noticed that the same account was reinserted without any notification. 

This reinsertion is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that a consumer be notified within five business days if a deleted item is reinserted. I received no such notification, nor was I given an explanation or supporting documentation justifying the reinsertion. 

This action has caused undue harm by reintroducing inaccuracies to my credit report, negatively affecting my credit standing. I respectfully request the CFPB to investigate this issue and enforce compliance with FCRA regulations. I also seek confirmation that the account is permanently removed and measures are taken to ensure this does not happen again.
Product: Debt collection

I hereby declare that the accounts referenced herein were opened fraudulently and without my authorization or consent. Such unauthorized activity constitutes a clear violation of my consumer rights and a breach of trust that I do not take lightly. I demand that these alleged accounts be immediately removed from my consumer report, and that appropriate measures be taken to investigate and hold accountable those responsible for perpetrating this fraud. I have already reported this matter to the XXXX XXXX XXXX and the Texas State Attorney General, and Federal Trade Commission will pursue all available legal remedies to protect my interests and hold those responsible accountable. I am human there is no 3rd party.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report 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
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX XXXXXXXX Balance XXXX {$1200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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

Midland Credit Management ( MCM ) does not have written consent pursuant to 15 USC 1681b based on my credit as a result of identity theft. MCM has failed to produce the original contract with my signature, original creditor information and full payment history pursuant to FCRA Section 604 and 609 and has initiated litigation that was subsequently dismissed.. Consequently, XXXX reflects inaccurate information including personal information. My birth name is XXXX XXXX XXXX and married name is XXXX XXXX XXXX XXXX. Please delete any other references and addresses as they are not mine e.g. XXXX XXXX.
Product: Debt collection

To Whom It May Concern : Be advised that this is not a refusal to pay, but notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding me to pay this debt. 



This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 



At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to reflect on my credit reports by your company, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 



I am sure your legal staff would agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

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 And numerous addresses and other inasccurate personal information
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have encountered several serious issues regarding my credit report, which I believe violate various provisions of the Fair Credit Reporting Act ( FCRA ). These violations have caused me significant distress, and I am taking action to dispute the inaccuracies and illegal practices. The key issues are as follows : Willful Noncompliance ( FCRA Section 616 ) : I allege that a credit reporting agency has accepted inaccurate credit information about me without verifying its accuracy. According to Section 616 of the FCRA, this failure to verify can lead to civil liability of up to {$1000.00} per violation. I am requesting that the disputed information be corrected or removed. 

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The agency did not inform me of my right to opt-out of sharing my personal information, which is required by law. This omission is not only deceptive but also a violation of my rights as a consumer. 

Inaccurate Reporting of Debts and Inquiries : I have found several errors in how my debts and inquiries have been reported. Some debt collectors have listed inaccurate debts, and in other cases, there are hard inquiries that were made without my consent. Under FCRA Section 1681b ( a ) ( 2 ), no inquiry should occur unless the party requesting the report has a permissible purpose, which I believe has been violated here.

Debt Validation Issues ( FCRA Section 623 ( a ) ( 3 ) & FDCPA ) : I am requesting that the debt collectors provide validation of the debts they claim I owe, as required by 15 U.S. Code 1692g. This includes providing documentation such as the original application, signed contracts, or other proof that I am legally responsible for these debts. Without this documentation, these accounts should be removed from my credit report.

Failure to Comply with Accuracy Standards ( FCRA Section 1681e ( b ) ) : There are multiple accounts being reported as " late payments '' or " collections '' when I have no record of these issues. I am asserting that these entries are inaccurate and should be corrected or deleted entirely, as per FCRA Section 1681e ( b ), which requires credit reporting to be as accurate as possible.

Unauthorized Hard Inquiries ( FCRA Section 1681b ( a ) ( 2 ) ) : Numerous unauthorized hard inquiries have appeared on my credit report, which were made without my consent. These should be deleted immediately, as the FCRA mandates that only certain parties with a permissible purpose can access my credit report. 

As a result of these violations, I am formally requesting that these inaccuracies be corrected or removed from my credit report. If the disputes are not resolved, I will be forced to take legal action, including potential lawsuits for willful noncompliance under the FCRA. 

I expect prompt attention to these matters and anticipate a resolution as soon as possible. If the issues are not addressed, I will explore legal avenues available to me under the FCRA, including seeking civil damages. 

Sincerely, XXXX XXXX
Product: Bank account or service

I currently have XXXX accounts with my local regions bank. The checking account was not overdrawn and the local branch closed my account without notice on XXXX XXXX, 2015. A direct deposit was made to the account on XXXX XXXX, 2015. The account had a positive balance of {$750.00} dollars. When attempting to use or transfer monies between accounts I was notified that the account was closed and that I could n't have access to my funds. 
I spoke to both a customer rep on the phone and the branch and still no resolution.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX : Acct # XXXX ; XXXX XXXX  : Acct # XXXX ; XXXX XXXX XXXX  : Acct # XXXX ; XXXX XXXX XXXX : Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have a right to privacy.

15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish my 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 any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

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