23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Company watched personal accounts, took payments out of payment cycle. 

XXXX veteran on fixed income, as stated, watched accounts, waited for a direct deposit to be made from VA, immediately took funds while I was homeless. 

Also used community and local resources to intimidate and force me to pay back loan while rebuilding foundation.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attn : Customer Relations Department XX/XX/XXXX Re : Request to describe method of verification To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX  XXXX Please remove it from my credit report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Please remove it from my credit report.

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Please remove it from my credit report.

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Please remove it from my credit report.

15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX XXXX XXXX Please remove it from my credit report.

15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX ( XXXX XXXX ) XXXX Please remove it from my credit report. 











I was also wondering if you were familiar with something called 15 U.S.C. Sec.

1681i ( a )? I heard that if you can't provide proof, then these accounts must be deleted. If you are not able to update as per requested I expect all the accounts deleted immediately. 
It is also to my understanding that I am entitled to an updated credit report as well as anyone who has inquired to obtain my credit report in the last 6 months. Please send me a copy of the updated report to the address I have provided. 
Also, send a copy of the updated report to all who inquired on my credit in the last 6 months. 
Lastly, you have 30 days to complete this investigation, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to E-OSCAR or any means of automated verification. 
Thank You, Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a debt that I do not know. I do not owe XXXX XXXX XXXX XXXX anything. I have attached a receipt showing that this account is paid and I don't owe anything.
Product: Checking or savings account

Yes my name is XXXX XXXX I filed a suite with the cash app law suite I was victimized by fraud and theft in XXXX  for a couple years and I filled out the complaint forms and documentation on the cash app law suite but I haven't heard anything back yet I had to hire XXXX XXXX XXXX to try to fix my credit and another site could you let me know something please. I'm still trying to recover from it with my credit and besiness and everything my number is XXXX, and my E-mail is XXXX thank you have a blessed day
Product: Credit reporting or other personal consumer reports

I am writing to address a serious matter regarding a fraudulent debt that has been reported to my credit file under your companys name for years. I believe this debt is a result of identity fraud from XXXX  and I am requesting its immediate removal from my credit report.I have not opened any accounts with your company, nor have I authorized any debts to be recorded in my name. Upon discovering this issue, I have taken the necessary steps to report the identity theft to the appropriate authorities and have filed a dispute with the credit bureaus. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate or information on my credit report. I kindly ask that you investigate this matter promptly and remove any references to this fraudulent debt from my records. Please consider this a formal request for action. If I do not receive a satisfactory response, I may have no choice but to seek legal advice and pursue further action to rectify this situation.
Product: Vehicle loan or lease

I never applied for Auto Financing with the following companies : XXXX XXXX XXXX on XXXX ; Ally Financial on XXXX ; XXXX XXXX XXXX on XXXX, XXXX XXXX  XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX XXXX on XXXX, XXXX  on XXXX, and XXXX XXXX XXXX on XXXX. 
I dealt with XXXX XXXX Dealership but they did not have my authorization to submit these credit inquiry applications on my behalf. 
By XXXX performing this type of conduct that I did not consent to this caused damage to my overall credit score from these hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to obtain credit report and failed. Accessed Experian website to set a freeze and failed. Attempted to file an online upload of documents to resolve issue/understand what information the company has regarding my file and failed. Followed the steps on the upload screen, completed name, address, SS #, email, etc and then entered step 2 to upload documents. Made several attempts, verifying that I was sending black and white PDF documents with a total of less than 15MB. Failed on repeated attempts. 

Telephoned XXXX to determine if they were experiencing system problems but after 45 minutes I gave up. 

Based on information from the other credit services I believe Experian has inaccurate information recorded in my file, causing me to enter information that does n't match their current information and effectively LOCKING ME OUT of my own data. Because of their acceptance of any credit transactions ( including personal information ) with a lack of input edits and failure to validate and/or authenticate information they accumulate inaccurate data and then treat it as if all is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. First issue I have is my name is not XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX please delete any variations of my name and misspelling the correct spelling is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, IN XXXX. Please delete the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX  # XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX , XXXX, IN XXXX Please delete the following numbers they are not mine and are inaccurate : ( 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: Mortgage

My loan to value is 74 % .By Law, LTV as soon as drops below 80 %, they should remove PMI. But they didn't. They keep charging me Private mortgage insurance {$110.00} each month. Can u Please help me out to remove PMI from my escrow account .I never missed payment. since 2005. ( Only some times few days late .They charge {$42.00} for late payment ) But not every month. They keep charging mortgage insurance. Current LTV on the basis of appraised value of 2005 is about 74 % .But Current house value according to XXXX XXXX XXXX XXXX  XXXX XXXX XXXXSo Current LTV should be around 71 % .XXXX  is about the same as XXXX XXXX XXXX. Due to this reason By law I m not required to pay PMI .Please help me to remove PMI from my mortgage account. Its been almost 16 years I m paying Private Mortgage Insurance. Thanks`
Product: Credit reporting or other personal consumer reports

I contacted XXXX regarding an outstanding balance. We agreed that if I paid {$47.00} by XX/XX/year>, they would refrain from reporting my account as 30 days late. I adhered to this agreement by making payments of {$320.00} on XX/XX/year>, and {$150.00} on XX/XX/year>. Despite fulfilling the terms of the agreement, XXXX reported my account to the credit bureau as being 30 days late.
Product: Checking or savings account

On XX/XX/XXXX, a XXXX debit card was compromised and I had to close/cancel that card. A new XXXX debit card was issued and mailed. It should've been received XX/XX/XXXX. I NEVER received this NEW card. No one else had access to my mailbox, pin, or household. Someone activated and started using this card on XX/XX/XXXX. The card was activated at XXXX when I was volunteering and I've attached screenshots of proof that I was at volunteering and it couldn't have been me activating the card. At XXXX, an ATM withdrawal for {$800.00} was made. At XXXX, I received a fraud text alert about a {$1.00} gas station charge and I responded 'NO ' immediately to indicate the charge was fraudulent and I did not authorize it. I spent over an hour on the phone with the issuing bank ( XXXX XXXX ) and XXXX at XXXX to flag the card, report the fact that I NEVER received the card, and stop any and all usage. The fraud text alert at XXXX proves that they knew something sketchy was going on with the card. The issuing bank, XXXX XXXX, appears to have recently gotten in trouble with the FDIC for unsafe and unsound banking practices. Maybe that's how my card was compromised a XXXX time. Again, I NEVER received the new XXXX  debit card and therefore could not have used it to make an ATM withdrawal. I have almost an XXXX credit score. I am not a sketchy or scammy person who would try to get {$800.00} from XXXX by lying about activating a card. 

I have submitted a dispute to XXXX, offered to provide additional information/proof that it wasn't me ( which they weren't interested in ), and gone back and forth with them for a month. They have refused to reimburse me or provide a reason for thinking it was me making the ATM. 

In terms of the company that is responsible, it is a XXXX debit card issued by XXXX XXXX. The next screen/field doesn't let me pick either.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been several hard inquiries on my Credit Report from Equifax and XXXX that I did not apply for these credit cards. I need these to be investigated. 


XXXX XXXX - on XXXX from XXXX XXXX - on XXXX from XXXX   XXXX - on XXXX from XXXX XXXX - on XXXX from XXXX XXXX = on XXXX from Equifax XXXX XXXX = on XXXX from Equifax
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

During XXXX XXXX XXXX XXXX  local store was closed but had a drop box outside to return equipment. I returned my equipment on XX/XX/21 by putting it inside the drop box as they requested. 

I thought everything was fine, however, later learned that they had turned me over to a collection agency for not returning the equipment because it showed up on my credit report causing me to pay higher interest rate. They never sent me a bill or letter or anything about it just turned me over to collections. I contacted them and they corrected it by showing it was paid and/or written off which does not take it off my credit reports even though they acknowledged I returned the equipment. 

ALL 3 REPORTING AGENCIES STILL SHOW IT ON MY CREDIT REPOR WHICH HAS NOW CAUSED ME TO BE DENIED CREDIT EVEN THOUGH MY SCORES ARE XXXX.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( 2 ) ( a ) ( i ) A charge off is considered ordinary income. Since ordinary, transactions or experience are not allowed to be on a consumer report. They have to be removed. Here are the accounts. XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX. Also not one of these accounts have sent a 1099-c forum for any of these accounts. Please remove immediately.
Product: Debt collection

I have received over 27 emails from XXXX XXXX who is a representative from Midland Funding LLC. From XX/XX/XXXX I received approximately 6 emails. From XX/XX/XXXX I received approximately 6 emails. From XX/XX/XXXX I received approximately 9 emails. From XX/XX/XXXX I received approximately 6 emails. All emails came from the same individual, XXXX XXXX. It is becoming a nonstop issue of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a settlement with payment of {$2300.00} and Discover takes 30-45 days to report it to credit bureaus. We are trying to buy a home and we need this reported efficiently. The company is quick to send negative information to credit bureaus but slow in reporting settlement.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payments on the dates below for my 2 Capital ONE credit cards ; [ XX/XX/2016 - 30 days late payment ; CAPITALONE XXXX ] [ XX/XX/2016 - 30 days late payment ; CAPITALONE XXXX ] I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I have accounts with Citibank for credit cards and they have called approximately XXXX times per day each day and for more than XXXX days in a row. They call from XXXX phone number and then I block it and they call from another number and the cycle repeats itself. They have also outsourced their activities to a company called client services out of XXXX XXXX XXXX This company or subsidiary is also violation collection laws by calling approximately XXXX times per day from a variety of phone numbers. Both companies have been mailed a cease and desist letter on XX/XX/year> and their activities are still continuing.
Product: Credit card or prepaid card

Since XX/XX/2021, I have submitted numerous " Disputes, '' via Fax, along with supporting evidence fully substantiating my claim. All the faxes processed " Successfully. '' Nonetheless, for months, my dispute has gone completely, " Ignored. '' Baclays credit card services " Intentionally, Deliberately, and Willfully, '' deny receiving any/all faxes of my dispute and " Refuse, '' to " Credit, '' my account & investigate my claim. Please help.
Product: Mortgage

JPMorgan Chase is XXXX of XXXX banks that recently pleaded guilty to an array of antitrust and fraud charges. It is the XXXX-largest U.S. mortgage lender, although it now has a new mortgage strategy. The bank pays closer attention to the credit quality of the borrowers, favoring " jumbo loans '' that are so big that government agencies will not guarantee or insure them. The borrowers must be very wealthy. What about the average American seeking a mortgage from JPMorgan Chase? 

XX/XX/2015 my daughter, with a credit score of XXXX, inquired about a mortgage for a house in Illinois. In view of the fact that her annual salary at her new place of work would be only {$30000.00}, she was told by a Chase mortgage banker that she needed me, her father, as a co-borrower. My annual income is approximately XXXX with assets in the neighborhood of XXXX. My daughter and I proceeded together and were informed in writing on XXXX XXXX, 2015 that our home financing experience would be " simple and stress-free from start to finish. " For the next two months my daughter and I were inundated with requests for data and information. It was a massive invasion of our privacy. My financial records for several years were required, telling JPMorgan Chase what I buy, where my purchases are made, and who receives money from me. The height of absurdity was reached when the Loan Processor and the Mortgage Banker wanted to know in writing why a credit report had XXXX first names for me, XXXX and XXXX. 

On XXXX XXXX, 2015, my daughter and I signed a mortgage application. The closing date for the purchase of our house was on or before XXXX XXXX, 2015. Several weeks before the closing date our realtor reached out to our lender for information about financing. The real estate agent informed me that she had had not heard back from the mortgage broker. My daughter and I subsequently received a Mortgage Commitment Letter dated XXXX XXXX, 2015, which was conditional upon fulfillment of XXXX conditions. XXXX condition ( pay stubs from my daughter 's employer for thirty days ) was impossible to meet by the closing date of XXXX XXXX, 2015, or by the XXXX XXXX expiration date of the Commitment Letter. The Mortgage Banker knew from a document e-mailed to him on XXXX XXXX, 2015, that my daughter 's three-year contract would not begin until XXXX XXXX, 2015. 

Needless to say, my daughter and I did not sign the Commitment Letter. I purchased the new home with cash by selling all of my JPMorgan Chase equities, which in ten months had increased in value by only XXXX percent, and by selling some of my XXXX XXXX holdings, which had increased in value by XXXX percent during the same time period. JPMorgan responded by taking {$450.00} from my daughter 's checking account for having " voluntarily '' withdrawn from an " approved loan. '' Our experience with JPMorgan Chase supports the conclusion of U.S. Attorney General XXXX XXXX that JPMorgan chases profits without regard to fairness, to the law, or to the public welfare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a copy of all outstanding, outdated information along with unauthorized inquiries to XXXX, Equifax and XXXX XXXX requesting the removal of the above items and it's been thirty days and I haven't received any reply or letter back from any of the agencies in a timely manner based on the CFPB reqirements under the law I reviewed my credit report and came upon and some alleged Inquires. I do not recognize the accounts/cases names for what it is. Therefore, I am demanding under the FCRA # XXXX you provide me the following : Proof I initiated the inquiry, Permissible Purpose, Written Authorization ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX has violated my rights. 

Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting

I filed a dispute with Transunion Credit Reporting Agency 25 or times regarding inaccuracies with XXXX XXXX XXXX. I am disappointed that Transunion could not conduct a fair and impartial investigation of my dispute. I was told by Transunion more than 25 times, if does not change and update inaccuracies on credit report the incorrect information will remain on my credit report. I asked the Transunion rep what would be the point of me filing a dispute and sending in evidence to support my claim if they were bias and not going to perform a fair investigation. I asked them why would side with the creditor if they were wrong they said that their hands were tied and that there was nothing they could do. I told them the reason why I subscribed to their service for years is so that I could monitor my credit activity and file disputes if any item on my report was reporting in I received a XXXX XXXX Tuition Answer student loan in XXXX or XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with XXXX Solutions XXXX XXXX XXXX handling the collection of the payments. XXXX has ruined my credit standings with Transunion and the other XXXX credit agencies. On XXXX XXXX XXXX, I called XXXX and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. The XXXX Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made 3 payments of XXXX. One of those 3 payments was for XX/XX/XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same. I think the loan should be reported to the collection agencies as not late and I also think collection of the loan should be canceled because of the outrageous interest they gave me. The loan was first given an interest rate of 13-16 percent initially and now for collection the loan was given a lower rate but the lower rate does not make up for all the interest that accrued during the higher interest rate, Thank you.
Product: Debt collection

I never received a letter reflecting that i owed anything to this company. I settled and paid 50 % to get it off my credit report. But they said they would not delete the item.