23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I notified XXXX XXXX  on or about XX/XX/XXXX of 2020 that I switched auto insurance companies. My new policy started on XXXX XXXX on XX/XX/XXXX I received a notice of cancelation in the amount of {$740.00}. On 2020 XXXX it reported on my credit report I owed {$3300.00}. I have reached out to XXXX XXXX  via phone and email I sent all the docs that they stated they need to resolve this problem. I talk to one person a supervisor who stated it was resolved and my balance was zero only to receive a email saying they need more details this one states they need copy of all my insurance for the past two years. No problem I sent it still no action has been taken to remove this item from my credit report. This is hurting my score and as a result cause financial pain to my family.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX & XXXX, which mandates a reasonable investigation of disputes. Futhermore, XXXX XXXX actions may also contravene the XXXX, XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the Federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I leased a XXXX with XXXX XXXX XX/XX/XXXX. My first payment was due at the time of lease signing. In addition, I made my second payment XX/XX/XXXX, EQUIFAX, EXPERIAN, or TRANSUNION has added to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. The following account contains discrepancies that require correction or removal : XXXX. Date Opened Discrepancy XXXX and XXXX list the date opened as XX/XX/XXXX, while XXXX lists XX/XX/XXXX. 
XXXX. Creditor Name Variation XXXX lists the creditor as NATIONAL CREDIT ADJUST, XXXX as XXXX, and XXXX as NCA. 
XXXX. Account Status Discrepancy XXXX and XXXX report the account as Charge-off ( Coll/Chargeoff ), but XXXX reports it as 120 Days Delinquent. 
XXXX. Account Past Due Discrepancy XXXX and XXXX report a past due amount of {$610.00}, while XXXX shows {$0.00} past due. 
XXXX. Last Reported Date Inconsistency XXXX and XXXX list the last reported date as XX/XX/XXXX, while XXXX lists XX/XX/XXXX.
Product: Credit card or prepaid card

In an effort to try to rebuild my credit, I applied for and received a secured card from XXXX XXXX. Submitted my deposit and made purchases. 
During the holidays, myself and my family were affected by the XXXX variant of XXXX. I had to take some time off work and fell behind in all of my bills. 
This company sent me a letter from the fraud department informing me they had closed my charge account due to practices not acceptable to their cardholder standards. 
Not only did they not reach out to me, I secured this account with an ACH deposit and made payments from an account with a FDIC insured financial institution. 
Now I have an account closed by creditor on my credit after trying to repair it!! 
This is appalling on many levels. 
I am not a criminal, have not committed any type of fraud to receive a letter from the fraud department. 
I am re establishing myself after a divorce. I was a homemaker for almost 25 years and everything was almost solely in my spouses name. 
They should be reprimanded for doing this to people.
Product: Debt collection

On XX/XX/2023 Transworld Systems Inc ( XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone # tel : XXXX ) reported to my credit file an account on behalf of XXXX. This account is not mine. I have never had an account or any agreements with XXXX or Transworld Systems Inc. I have not received any notices from XXXX or Transworld Systems Inc. The only notice that I have received was a notification on my credit file. I have tried reaching out to Transworld Systems Inc and have been unsuccessful. I have reached out to the creditor XXXX and they have verified that this account is not mine. I am requesting that Transworld Systems Inc remove their claim and my information from their system and from my credit file as this has adversely affected my credit and is affecting my business and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY
Product: Credit card or prepaid card

XX/XX/2022 two unauthorized ATM cash withdrawals were made by a young man who I hired to assist with some house cleaning work. 
XXXX XXXX left the hotel room to run errands and agreed to meet with me later that evening. 
XXXX @ XXXX XXXX ATM cash withdrawal of {$140.00} was made according to the statement, then XXXX @ XXXX XXXX {$700.00} was withdrawn ATM CASH along with a XXXX withdrawal fee. 
XXXX XXXX did not return to the hotel and the following day I discovered that my account balance was {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX Equifax are not correcting issues involving mortgage loan & Car loan reporting inaccurate as being paid through bankruptcy. Although loans and mortgage were paid outside bankruptcy and paid as agreed in good standing. Also mortgages are listed as closed & mortgage changed servicer and were never closed
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The continued inclusion of these items has severely impacted my life, causing significant stress and XXXX. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I have submitted multiple dispute and have yet to receive any requested documentation.
Product: Mortgage

Im behind on payments I asked to pay the amount to reinstate the account and they state they wont until I pay there fees and all the payments they request they wont help a customer with there fees and on top of it they prefer for customers to loos their homes.
Product: Credit reporting or other personal consumer reports

For over a year I have disputed inaccurate information on my report. 
XXXXXXXX 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 {$130.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is misrepresenting my credit profile and stopping me from obtaining new credit.
Product: Credit card or prepaid card

( Reference CFPB Case Number XXXX ). I filed a CFPB complaint about XXXX XXXX/ XXXX XXXX Credit Card where the purposely moved money around in my account so that I would pay more interest. After I filed the complaint- they changed my regular account to a {$350.00} Balance- which is fraudulent. I only made one purchase in my regular account over the past year and it was for {$220.00}. 

How can I have a {$350.00} balance on my regular account when the only purchase I have ever made was $ XXXX and the {$220.00} was supposed to be paid off according to a conversation with XXXX XXXX XXXX  XXXX Customer service on XX/XX/XXXX. 

I received a letter from XXXX  XXXX  dated XX/XX/XXXX from a Ms. XXXX XXXX ( XXXX ) XXXX Extension XXXX and attempted to call her back many, many times. She will not return my phone calls or answer the phone. I do not believe this person exists. 

I was supposed to have only 2 deferred interest accounts open on my XX/XX/XXXX statement, but because I filed a CFPB complaint, my statement came in WITH FOUR ( 4 ) open account lines ( 2 deferred interest, 1 regular account and 1 fixed pay ) and a XXXX regular balance WHICH IS A LIE BECAUSE I NEVER MADE ANY REGULAR PURCHASES MORE THAN XXXX DOLLARS! 

I worked this out with Customer Service and when the error showed up on my XX/XX/XXXX Statement- the Customer Service representative WOULD NOT WORK WITH ME to fix the problem. This is why I had to file the CFPB complaint. 

This company should be shut down for malpractice and criminal activity. I will NEVER make a purchase from XXXX XXXX AGAIN!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX have all obtained my non public Identifying information through fraud & identity theft. I have never contracted with any of these companies. This also serves as notice for all of the credit reporting agencies to list a few but not limited to Experian, XXXX, & XXXX. Please remove these fraudulent account or be held liable for willful breaking of the law.
Product: Debt collection

This is regarding a car loan I had with Wells Fargo years ago. I don't have any paperwork documentation due to a house fire that happened in XXXX.
Product: Mortgage

I applied for a HARP refinance program with Loan Depot on XX/XX/2018. The company is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The loan officer XXXX XXXX XXXX # XXXX, phone # ( XXXX ) XXXX, told me I have to pay for an appraisal fee {$500.00} to get approved. I asked him what if I don't accept their offer, but he said not to worry, they will make it the best offer, they will make it to my liking, they can even give me a cash out. After the appraisal, what they offered me was not what I expected. The refinance fee was almost {$10000.00}. I couldn't agree with their offer, so I told them to cancel my request and give me back the {$500.00} they charged me for appraisal, but he refused. I also spoke to his manager XXXX XXXX, he also said it is not refundable. 
I should get the money back since the HARP program does not require appraisal fee, and XXXX charged me wrongfully. Also since you can't get a cash out with the program, he misinformed me also. I need help to get my hard earned money back. 
Thank you very much for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # 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 XXXXXXXX has violated my rights . 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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
Product: Credit reporting

I 'M NEEDING HELP WITH A CREDITOR ( XXXX XXXX XXXX XXXX XXXX. I FILED A CHAPTER XXXX AND IT WAS DISCHARGED ON XX/XX/XXXX2016. SINCE THAT DATE OF DISCHARGE, I HAVE HAD TO REAFFIRM IT THROUGH MY ATTORNEY. I HAVE SENT MILITARY STAR AND EQUIFAX BOTH TO DISPUTE IT AND EVERY TIME I GET IT BACK SAYING THE CREDITOR HAS VERIFIED THAT THE COMPANY IS SHOWING THE CORRECT STATUS CORRECTLY. I 'VE BEEN BACK AND FORTH WITH THIS SINCE XX/XX/XXXX2016 AND HAVE GOTTEN NOWHERE. I HAVE MADE OVER {$240.00} IN PAYMENT BACK TO XXXX AND I WANT IT TO SHOW ON MY CREDIT REPORT TO EQUIFAX FOR CREDIT REPORTING IN GOOD STANDING. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX TX XXXX IF XXXX AND XXXX ARE REPORTING THIS CORRECTLY AS A REAFFIRMATION ACCOUNT THEN I DO N'T KNOW WHAT THE PROBLEM IS WITH XXXX?
Product: Checking or savings account

My wife and I were expecting a refund from the IRS and XXXX for XXXX tax filing. Where is our State refund?
Product: Debt collection

I was contacted by GC Services Corporation, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, United States about a Personal Loan Account with XXXX XXXXXXXX XXXX XXXX  located at XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX in the amount of {$3200.00}. 

There were repeated calls from a number that was not identifiable, and I finally called back. I spoke with an XXXX XXXX, who identified herself as being with GC Services Corporation - calling in regards to my XXXX account - she wanted me to give her personal information. When I would only provide the year of my birth- she wouldnt divulge any further information. She wanted my home address in " XXXX, XXXX " This is in direct violation of the XXXX contract. At no times can an Agent of XXXX give *any* portion of the members Personal Identifyable Information- which includes name, *any* portion of the full mailing address, or Social Security Number. By providing me the City in which I live, the agent violated my rights as a proud member of the XXXX family. I confirmed these rights as soon as I hung up with XXXX XXXX with a member of the XXXX Staff and asked him to document my file accordingly. 

I have fallen into very difficult times- which XXXX is keenly aware, as I have multiple accounts with them. In addition, I was a XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and am very aware of the FDCPA, and of the privacy laws that the industry is governed by. Just because GC Services has loosened THEIR standards, it does not change the fact that my rights were violated, and XXXX 's policies were not administered correctly by the agent. 

I am very seriously considering taking legal action at this point with my attorney, as this can not possibly be a random act by either this agent- or the company. I strongly suggest that XXXX request every call from this agent for call monitoring, and from the group that handles these accounts as well - as management must have grown lax for such a privacy breach like this to occur. 

I am open to negotiating a settlement of this matter before legal action takes place - either XXXX or a member GC Services management or legal team can contact me in writing at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or by phone at XXXX XXXX you must leave a message please, or call form a published number that identifies you - i will not answer blocked or private numbers.
Product: Debt collection

I see a collection reported on my credit profile. I disputed this and the company will not remove this from my credit report. I don't do business with XXXX XXXX XXXX XXXX and recently moved to a new state. I have no knowledge of this debt and have not received any notice about this. I only learned about this collection when I reviewed my credit report as I randomly do often.
Product: Debt collection

I have been making payments on my debt to the original creditor, which have been accepted and withdrawn from my bank account. I have told this creditor several times through phone calls and disputed this in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

6. Identity Theft BK OF AMER Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.
Product: Debt collection

CFPB Complaint : Credit Corp Solutions I am filing a complaint against Credit Corp Solutions , Inc. ( " Credit Corp '' ) regarding their debt collection practices for a debt they allege I owe.

Credit Corp has violated the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide debt validation information under 12 CFR 1006.34 ( b ) ( 5 ).

Credit Corp has violated the FDCPA by placing a collection on your credit report without giving you a chance to dispute the debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Credit Corp has violated the FDCPA by using false, misleading, misrepresentation, and deceptive means in their collection attempts.

Credit Corp has violated the FDCPA by furnishing an amount to a credit reporting agency without providing the required disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

I request that the CFPB investigate Credit Corp 's debt collection practices.

I request that Credit Corp be ordered to : Validate the debt they claim I owe.

Provide a copy of the purchase agreement between Credit Corp and the original creditor.

Furnish proof that they are licensed and bonded to collect debt in your state.

Remove the collection from my credit report. 
Cease all communication attempts until the debt is validated. 


See attachments : Proof of ID, Address and CC : FTC REPORT NUMBER # XXXX CC : XXXX  SAG : in my State Louisiana SAG : in your UTAH Thank you for your time and attention to this matter. I look forward to your prompt response and resolution of this complaint. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found hard inquiries on my credit report that I did not approve, which violates 15 USC 16c-2. This is incorrect and needs to be addressed by removing them.
Product: Credit reporting or other personal consumer reports

I am writing this letter to dispute the following accounts : CAINE & WEINER, Reported : XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX, Reported : XXXXXXXX XXXX XXXX {$600.00} These agencies are in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. Therefore, the following accounts must be deleted from my report as required by law. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an account that does not belong to me to equifax which only equifax shows. And prove to them how its not mine and who it actually belongs to. They would not remove it from my report