23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Company on multiple occasions refused to provide proper information to enable me to process my payment. I explained at length that my account was a saving account and various csr 's on multiple occasions told me that I can process my ach payments using savings accounts. I was also told at times that it required a checking account and yet my payment attempts were still being rejected. I received an email showing my savings as a checking account despite my efforts to communicate otherwise. Most recently I received a phone call on XX/XX/XXXX and XX/XX/XXXX my a supposed XXXX XXXX XXXX of ( Navy Federal ) who provided me with false call back information, and called at a wrong time despite when i told him to call. He proceeded to tell me my account has been reset so I can pay via online. So today i logged in online and I am in the process of submitting a payment after my supposed account reset. My {$58.00} payment is scheduled for XX/XX/XXXX. My {$54.00} was rejected and i received the email from NF stating it was because my account is a saving account but went in as a checking account. XXXX XXXX attempted to pursued me that this was my doing and told him it was not so it was best to just say the information was entered wrongly. I also mentioned that I know my account information and the spelling of my name and this was NF 's fault not mine. Notwithstanding, he found other errors on their part ( NF ) for which I was not given any details. My account is in deliquent status despite the fact that its because of their own CSR 's failure to properly do their jobs and process my payments. XXXX XXXX did state that this should not of been my experience, agreed to wave a {$10.00} fee ( supposedly ) and admitted that my name was entered wrong by the NF and the there were some other issues that he sees as to why my entire account will have to be reset. So in other words NF is the reason I am late on payments due to their own negligence. I still do not have online access but they continue to file against my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I check my credit score Im told that incomplete information about my mortgage is hurting my score. This is the same with all the reporting services. I dont know how to report to them that I do not have a mortgage I own my house outright. The same goes for all my vehicles. I also do not have any personal loans. My only obligation is my credit cards which I pay in full every month and have done so for over 10 years.
Product: Credit reporting

I am responding to a letter I received from Experian regarding a request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they do n't think I am smart enough to write a dispute letter. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my full written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
I researched a dispute letter online and just used that to complete my dispute. So I guess it is possible that I may have missed something. I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that was inappropriate? 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. Would completing a dispute over the phone provide me with the same benefits as the letter? And if the results would be the same, why not just accept my letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Despite submitting extensive evidence and meticulously following the required procedures, it is highly troubling that this issue remains unresolved. The existence of these fraudulent items not only damages my reputation but also jeopardizes my financial stability and credibility. Despite my ongoing efforts to resolve this matter, it is disheartening to face continual obstacles and delays in reaching a satisfactory conclusion. I urge you to treat this issue with the highest priority and take immediate action to remove the fraudulent items from my record. Additionally, I expect to be kept informed of the progress in addressing this matter and seek appropriate compensation for any damages or losses incurred due to this persistent error. Therefore, I am requesting your assistance to remove these fraudulent items from my credit file : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$440.00} XXXX XXXX  Balance Owed : {$620.00} XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$1100.00}
Product: Debt collection

This is my 3rd complaint on Columbia Debt Recovery with filing complaints of false practices and also adding interest to a debt they have not fully verified, CFPB this company knows that if they respond with any information you will close the complaint and this is not correct and Lawful. This company is not able tp operate in my state yet alone require for me to pay for debt that they are not able to prove. 

Columbia Debt Recovery is not accredited as a business according to the XXXX and their licensing to operate is not correct along with being expired. They are using different names to operate and business using business that no longer have association with them to harassing 's me asking for a debt to be paid that they have not fully verified. 

I am also going to contact my Attorney general Office in Arizona of their false business practices. They have responded to me with yelling and raising their voice which I will attach proof of everything I am mentioning. I asked them multiple time to remove this debt and stop adding interest to something they can not verify. This is a 3rd party company that bought the debt and did not disclose how much they paid for it along with if they have the legal rights to collect on this debt. 

I will make this public and will like for the CFPB to do a full investigation on the false practices. I have my rights and take my credit profile serious
Product: Credit reporting, credit repair services, or other personal consumer reports

Motolease falsely reports accounts as derogatory/in collections for parties that never made a late payment and paid account off in full.

I had leased a motorcycle with Motolease. A year later my motorcycle was totaled by a falling tree. I immediately contacted the agency and made them aware of the situation. I maintained communication with the agency regularly as the insurance companies were working on paying off the remaining balance. A month and a half afterwards, I had received a call being told I was delinquent in my payments. I never made a late payment, the money was extracted directly from my account and the funds were always available. I explained my situation of a totaled motorcycle and how I was waiting on the insurance companies to pay off the balance. Despite how many times I repeatedly explained my situation, I was repeatedly asked why I should be treated any differently than others that can't make their payments. The conversation eventually became so frustrating I had to hang up and call back someone else. Eventually, I did manage to get someone to put my account on hold until the insurance companies could finish processing the claim. I didn't understand how there was any confusion with the account. I had provided Motolease with documentation and questions from the insurance companies from within the first week of the accident. After the insurance companies payed off the balance in full, I noticed that Motolease had reported my account to the credit bureaus as derogatory/in collections, with late payments. I contacted Motolease and had to get a higher level supervisor because I was having problems with other employees that were insisting my account was reported accurately. After speaking with the supervisor, I was told it would be corrected and reported as paid off with no late payments. A month and a half later, it reflected on my credit report as I was told, my account was now in a good status. The following month, just last week, Motolease reported my status back to derogatory/in collections. My experience with MotoleasXXXX has been horrendous, especially if I was to provide more detail. I seriously need someone to get this agency to correct things and quit harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told if I paid the overdraft balance owned on Account ending in # XXXX that the XXXX  reported information be removed. The balance was paid XX/XX/XXXX {$420.00} and got my XXXX report back in XX/XX/XXXX still shows bank of America reporting the debt. I called today XX/XX/XXXX to Bank of america recovery department told them I paid said shows it paid but they can`t remove it from XXXX  before I was told the balance was paid it`ll be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Plus has repeatedly run my credit for the last three days without any authorization. XXXX. No action has been taken by myself or Credit Plus.
Product: Mortgage

My 2 mortgages were transferred to a different mortgage servicer and on both I was informed I was 3 payments behind & over {$8.00}, XXXX in escrow shortages. I am being made to pay p & I & 2 escrow accounts. Needless to say I have fallen behind and now they will not accept my payments. I do not want to lose my home nor the rental home I have which was part of my livelihood, now a liability, can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE THESE FRAUD ACCOUNTS ON MY CREDIT FILE AND I FILE AND FTC REPORT BUT THE ACCOUNTS ARE STILL SHOWING ON MY CREDIT I NEED THESE ACCOUNTS REMOVE ASAP. 

1, U.S BANKRUPTCY COUT ACC # XXXX 2,XXXX XXXX XXXX # XXXX 3, XXXX XXXX # XXXX 4,  XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6, XXXX XXXX XXXX XXXX XXXX 7, XXXX XXXX XXXX # XXXX 8, XXXX XXXX # XXXX 9, XXXX/XXXX XXXX # XXXX 10, XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX, {$350.00}, XXXX Capital XXXX, {$300.00}, XXXXXXXX XXXX {$2300.00}, XXXX XXXX XXXX XXXX$540.00}, XXXX XXXXXXXX XXXX XXXX$29000.00}, XXXX XXXX FED, XXXX, XXXX XXXX XXXX  {$220.00}, XXXX As per 15 U.S.C 1681g, I request that you provide the following : Verification of the accuracy of the disputed accounts, including the name and contact information of the original creditor.

2. A complete description of the investigation procedures used to verify the information.

3. Documentation supporting the validity and accuracy of the accounts in question.

If the disputed accounts can not be verified or substantiated within the required time frame ( 30 days ), I request that they be promptly removed from my credit report as required under 15 U.S.C. 1681i ( a ) ( 5 ). 

Please mail a written response, including any supporting documentation, to the address provided above. Additionally, if corrections or deletions are made, I request an updated copy of my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days as required by the FCRA. 

Sincerely, XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has not reported my credit card payment history since XXXX of XXXX. I have reached out between 5 and 6 times and every time XXXX  XXXX XXXX continues to tell XXXX, Equifax and XXXX that there is no problem and the account is fine. My account still has a " high balance '' of {$7600.00} and the credit limit on the card is {$1500.00}. Please rectify ASAP.
Product: Debt collection

Midland Credit Management Inc. contacted me in XXXX of XXXX  threatening to harm my credit and garnish my wages if I did not come to a settlement on a debt they claimed to be in their possession. 

Payments on account as follows were made by me due to the treat of wage garnishment as follows : XX/XX/year> {$360.00} XX/XX/year> {$360.00} XX/XX/year> {$360.00} XX/XX/year> {$360.00} XX/XX/year> {$360.00} XX/XX/year> {$360.00} XX/XX/year> {$360.00} XX/XX/year> {$360.00} XX/XX/year> {$330.00} XX/XX/year> {$250.00}
Product: Debt collection

I asked this company to send me the original contract with my signature on it to validate this debt
Product: Mortgage

I have submitted all the paperwork and documents asked for to three different mortgage advisors, each one tells me it has been approved and then they get transferred or promoted to another department without any contact information or paper trail. They lose everything and the papers constantly have to be resent to either the same mortgage advisor or resent the whole package several times to the new advisor. XXXX was absolutely rude and mean as she yelled at me over the phone many times and told me I deserved to be on the street and foreclosed on. Now, within the last two years my home has had over {$100000.00} in damages that I can not get any XXXX to repair because this company can not find the documents that were sent in numerous times and/or because of the level of difficulty it has been to get payment for their services ( XXXX XXXX XXXX, XXXX, XXXX, has gotten a run around for the {$3000.00} worth of repairs he did ). Since the home is in forclosure no one wants to do the repairs because they don't think the mortgage company will pay for it. Its been two years living in 4 rooms of my 21 room home with XXXX kids and XXXX dogs. We need help. I am XXXX since a car accident in XXXX, XXXX, and can not get anywhere with BSI. Loan # XXXX. Call me anytime XXXX. My ex husband left me 6 years ago and they still have his name on the loan even though XXXX got the underwriters to approve of removing him. He has not contributed a dime in over 15 years. Please help.
Product: Debt collection

Firstly, XX/XX/2023, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 
. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A numerous amount of times I have tried to get through to Equifax to freeze my credit as I am one who have been affected by the beach ... I call Equifax on XXXX after failing to be able to freeze credit online ... I was able to answer security questions from my end, i spoke with an employee who handled the cares I needed as far as wrong info on my credit report, as she turns me over to the credit freeze department they refuse to allow me to freeze my credit without having to send in a picture of via u.s mail. I explained to the employee I was one that was hacked and she agreed and all I wanted to do was freeze it instantly she refused and told me to send in picture of via mail.im not happy with that as they are the reason I tried to freeze credit.i was n't comfortable with sending personal info in the u.s mail.how can this be so, a company that allows your hidden personal info to get out and now they demand you send picture i.d in the u s mail to get damaged by identity even further??? that rule does n't make sense.also they are clearly negligent in how they handle anyone 's personal info via the procedures that they use..why should I allow someone so wreckless to be the judge of my life and everyone else 's???
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 XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST TO whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Accounts that are being challenged : XXXX XXXX Account number # XXXX XXXXXXXX XXXX XXXX Account number # XXXXXXXX XXXX XXXX  Account number # XXXX XXXX XXXX Account number # XXXX XXXX XXXXXXXX XXXX XXXX Account number # XXXXXXXX XXXX XXXX  Account number # XXXXXXXX XXXX  Account number # XXXXXXXX XXXX  XXXX Account number # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATIONXXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX Please find enclosed a copy of my Identity Theft Report, proof of my identity, and any other necessary documentation to facilitate the prompt removal of these fraudulent items. Thank you for your immediate attention to this matter. Please feel free to contact me at XXXX if you require any further information. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate, how the account opening date is same with the last reporting date & last one is that how you were reporting the balances on collectionclosed accounts?? This ground for removal they also violated my rights under below mentioned sections : 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 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX