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

XXXX car dealership had me to sign a document that what I was told it for. I was told that the form was to be take the car off the lot. The sale person found out I was a XXXX and kept talking to ne getting me distracted. He also said he had to take my driver license and take picture to take car off lot. I did what I was asked to and now I suffered..
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX. XXXX  Account XXXX After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : Documented Inconsistencies : XXXX. Account # XXXX : o XXXX  : Shows consistent XXXX lates o XXXX : XXXX Account information disputed '' o XXXX : XXXX Too new to rate '' Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 623 ( a ) ( 7 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ] : " Furnishers must provide notice before furnishing negative information. '' Violation : No evidence of negative information notice 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of payment status across bureaus 5. CFPB Bulletin 2013-09 : " Furnishers must establish and implement reasonable written policies and procedures regarding accuracy. '' Violation : Inconsistent reporting procedures evident
Product: Credit reporting or other personal consumer reports

I noticed that recently my student loan debt nearly doubled. When I checked my credit report, it shows new accounts created in XXXX XXXX and the amounts reflect a doubling of what my previous debt should have been. Im confused about why this sudden doubling has occurred without any notification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Subject : Debt Validation Request Dear XXXXXXXX XXXX XXXX XXXXXXXX, I am writing to formally request that you validate the debt referenced on my credit report in which the account number begins with XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer, I am entitled to request verification of the debt and the underlying details. 

Please provide the following documentation to validate the debt : XXXX. The amount of the debt you claim I owe, including a detailed breakdown. 
XXXX. The name of the original creditor to whom the debt is allegedly owed. 
XXXX. Copies of any signed agreements or contracts that establish my responsibility for this debt. 
XXXX. A detailed history of the payments made towards this debt, including the original balance and any fees or interest added. 
XXXX. The name and contact information of any third parties that may have been involved in assigning or selling this debt to you.

Please be advised that under the Fair Credit Reporting Act ( FCRA ), Section 1681c, you are required to report accurate information about late payments and debts to credit reporting agencies. If you are reporting any late payments related to this debt, you must ensure they are accurate, complete, and reflect any corrections or updates to the account.

Furthermore, according to the FCRA ( Section 1681s-2 ), creditors and debt collectors are obligated to investigate any dispute that is reported within a reasonable timeframe. I am disputing this debt, and you are required to investigate and verify its accuracy. If you can not validate the debt as requested, the information should be removed from my credit report. 

Please note that I am not acknowledging this debt at this time and that I request a full validation of the debt before further action is taken. If you fail to provide the necessary validation, I will assume this debt is inaccurate and request its removal from my credit report. 

I look forward to your prompt response in accordance with the FDCPA and FCRA. Under the FDCPA, you are required to respond to this request within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

HOA trying to get me to pay back payments while in the hospital and   XXXX   XXXX  .
Product: Credit reporting or other personal consumer reports

As of XXXX, XXXX, I pulled my Trans Union credit report within accurate fraudulent reporting from XXXX XXXX  with claiming I have a foreclosure XXXX and I do not my father did a reverse mortgage which that was deceiving as well and me and my sister were the power of attorney, why my father passed away, dealing with any assets. So this also means they went through my father 's documents with no permission as well so between Transunion and XXXXXXXX XXXX that's a lot of fraudulent activity please investigate thank you.
Product: Credit reporting or other personal consumer reports

XXXX has continued to list unapproved credit inquiries to my credit file. There are 7 companies listed on my credit file that I did not authorize a credit inquiry. This violates the FCRA to report inquiries from companies I did not give permission to run my credit. This is misuse of my credit information. The companies are listed as : 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
Product: Credit reporting or other personal consumer reports

I have not made these accounts and strongly suspect they are scams. 
Please do a thorough investigation and remove them from my credit report immediately. I have provided evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a student loan which the agency ( XXXX ) listed as the source of the loan on the credit report indicated wasn't mine. Letter is attached. The letter gave specific instructions on how to clarify issue. Suddenly nearly XXXX showed up on my credit report. It needs to be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
1. The following personal information is incorrect Employers : XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX Please remove it from my credit report. 

4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, PA XXXX 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

9. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 



Please send me notification of the actions taken. I appreciate your prompt attention to this matter. The XXXX XXXX is a Non Governmental Organization that has the authority to verify my XXXX.
Product: Credit reporting or other personal consumer reports

Name of the company that reports late payments : XXXX / Account number : XXXX. 

XX/XX/60 in arrears, Not Correct. 

Remove Late Payments
Product: Credit reporting or other personal consumer reports

This is my other 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 items. 
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 VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXXXXXX  XXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$540.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$6800.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had a collections account on my credit report from EQUIFAX for about 3 - 4 years now.

That account doesn't belong to me. It doesn't even have my real name nor my real date of birth. 

When this report came around I disputed it, XXXX removed it right away since they verified promptly. 

However EQUIFAX keeps telling me that all the disputes I've made come back as accurate or correct account on my file, which is false. 

I even called the collections agency charging me for the account and they said they verified that it doesn't belong to me and that they have sent a report to Equifax and XXXX to remove such account on my credit report. The collections agency also said that they haven't received any request for verification from Equifax. 

That means that EQUIFAX isn't even verifying the information and my disputes from them come as " correct '' and " valid '' which is completely false. 

Here are the last disputes numbers I was given by Equifax. 

XXXX XXXX XXXX XXXX To add to the frustration, last time I called Equifax they said that they can't even check the status of my dispute because the personal information I'm providing doesn't match the account. However, how did I even create the last few disputes with them If allegedly they're not even supposed to do it without verification? They're just keep giving me false information and disregarding my request over and over. 

Now they have the audacity to ask for copies of my SSN, ID, Proof of address and mail them to them before they can even check my status of my account. 
I can't even do any of these procedures online because their system won't even let me login, they even sent me a letter to my residence with a PIN number to verify my real address. And when I tried to log in with that same mailed PIN number their system told me call customer service. Outrageous. 

I can't trust Equifax with my personal documents, why would I trust a company that has been sued for a massive databreach? but they still dare ask me for my personal information. 

Equifax is obviously not doing their job. The collection 's agency, and experian already confirmed the right information. 

Feel free to verify the account with the collections agency, their email is " XXXX '' name XXXX XXXX, last 4 of ssn XXXX. 

Last time I called Equifax after being dropped several times was with " supervisor '' XXXX ( probably a fake name ) Operator ID XXXX ( Probably meaningless ). 

At this point I'm ready to sue, this report on my file has been a tremendous burden in my ability to get credit, lease, and prove good record. 

I'm attaching copies of my XXXX and Equifax credit report and the account in question.
Product: Debt collection

Every hour to thirty minutes I am receiving calls without a voicemail and it appears to be Credence Resource management. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted Capital One about a company ( XXXX XXXX  ) out of California. I purchased an automotive product from them for {$1100.00} on XX/XX/XXXX. They said Id have my product by two weeks from that date. I never got my product and the company never called me or emailed me. I looked into the company and found that the company was actually under investigation by the California D.As office for doing this to multiple customers https : XXXXXXXX XXXX XXXX At that point I knew there was trouble and I should contact my credit card company. InXX/XX/2019 I called Capital One and in great detail explained the situation and told them the company is under investigation. I fraud investigation was started and a few days later the charge was off of my card. A few days after Capital One contactes the XXXX company they suddenly decided to rush the product out to me. 4 months after my purchase mind you. I then contacted Capital Ones fraud team and asked what I should do with this product. I was told to email the company and to ask them to provide return shipping so that I cant send it back and that if they didnt, I was to leave the product there until they sent return shipping. I emailed XXXX and never got a response. So the product with Capital Ones knowledge has been sitting in my garage since. To my surprise on XX/XX/XXXX they ( Capital One ) reinstated the charge without contacting me. I called them today XX/XX/XXXX and spoke to XXXX employee number XXXX XXXX Fl call center about the charge. She started that they had sent me a letter that I was to respond to regarding more information. Which I never received and told her I didnt. She stated that because the XXXX company challenged their findings. They simply took their side and recharged me the {$1100.00} and that I was stuck with the charge. So now I have {$1100.00} worth of product I no longer need or want from an OBVIOUSLY shady company sitting in my garage and a large charge on my Master Card. She refused to do anything to help. I told her Id be filing a complaint today.
Product: Mortgage

I have several concerns with this preditoral company. the first thing is that this company adjusted my escrow amount and i was never notified concerning that. I had been paying my original amount for mortgage and didnt know that the escrow had increased which caused my payment to increase. Once receiving a copy of my credit report i saw i was being reported late by Ocwen. To find out what they were doing was taking what i was paying holding part and applying the rest to the escrow difference so it looks like that i am not paying my mortgage on time. I tried to do a VA re-finance last month and they had reported me late and i wasnt late so the finance company pulled out. I paid my mortgage on  XXXX / XXXX /   17  and they said I paid it  XXXX /17/ I have the receipt from when i paid this. This company is thief. I need help in this matter. I even asked them since i never knew that the escrow switched before hand wont you just apply the escrow difference to the end of the loan. They keep saying we need to talk with the loan investor. Never got and answer. All these items above have dinged my credit and it has hindered me in doing personal things in my life. if you check my payment history I always paid on time according to what i knew.
Product: Checking or savings account

i have tried to get peoples united bank to stop this electronic check cashing i needed a check for proof and they told me they did not have proof cause it went thru electronic i told them i write checks to cash so i have proof of that transaction they kind of said oh well is this right what can i do to stop electronic check cashing or is it made so we can not get copys of cashed checks
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX
Product: Debt collection

This company Credit Solutions LLC which I have NO CONTRACT nor have I recieved services from reported a collection Account against my SSN in the amount of {$280.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and accounts however the business failed to provide adequate proof. Considering this business does not have a contract for me for goods they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

No matter how much I pay on the loan they say I am behind. I have paid over 15,000 on the loan in the last year or less and they say I am behind. They keep charging late fees. If I had been more than a couple of payments behind they would have been for closing and they weren't. When I call them they tell me if I don't like the way they treat me I should refinance with someone else. 

Can you help They handle the loan for XXXX XXXX I did not take the loan out with them it was sold to them and they have always been trouble. SN Servicing Corp is  in XXXX calif
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX I am reporting a fraudulent inquiry found in my credit report and also please remove unrecognized phone numbers from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I issued a payment to Citibank for {$9000.00}. This was 1/2 of the balance owed on my Executive Mastercard. I then received a letter from Citicards that they would not be renewing my card after the XX/XX/XXXX expiration date. I have paid the card down in order to refinance my home, needing to open up my available credit and reduce my debt in general. I have never had a late payment with them and I feel this an outrageous breach of their duty to me and this action is an unfair and unbalanced reaction to the COVID 19 crisis and not to do with anything I have done as a cardholder. I have asked them to re-evaluate this decision as it impacts my whole family and our economic health going forward in a grave way and was told they would not until after it expires.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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