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

I'm writing this letter because this company is hurting my credit report and I have a factual evidence to prove so : I open my account on XX/XX/2019 and the rep which I called on XX/XX/XXXX verified my due date for the account and every payment that I made on this account. she told me on a recorder called that my payment was due on the XXXX of every month and that my payment was {$51.00} dollars please see below for my date and record of payments XX/XX/XXXX i paid XXXX dollars ( double payment ) XX/XX/XXXX I paid XXXX dollars ( another double payment ) XX/XX/XXXX i paid XXXX dollars XX/XX/XXXX I paid XXXX dollars ( double payment ) XX/XX/XXXX I paid XXXX dollars ( double payment ) So technically I paid {$200.00} in XXXX which should have covered my XXXX XXXX XXXX and XXXX payments then in XXXX I paid {$51.00} which should have covered my XXXX payment in XXXX I paid {$100.00} which should have covered my XXXX and XXXX payment and in XXXX I paid {$100.00} which should have covered my XXXX and XXXX payment and the payment on XX/XX/XXXX for {$51.00} would have covered my XXXX payment the only time anyone could ever say that I was late was my XX/XX/XXXX payment which I paid 17 days later on XX/XX/XXXX which I've been paid XXXX 's payment 15 days early essentially. 

the Fair Credit Reporting Act says that they can not report me late unless I'm 31 days late and this is absolutely ridiculous I called and ask their company to take care of the issue because it's clearly an accounting issue and I have never been late more than 30 days on a recorded call their supervisor said that I was more than 30 days late in XXXX because of how they applied the payment but on my credit report it shows that I was on time in XXXX but that I was more than 30 days late for XXXX 's payment this is an accurate as technically I paid {$150.00} in the month of XXXX and they verified this I'm trying to get a house in this is having a major effect on my credit report simply because they do not know how to do accounting. the supervisor tried telling me that they applied my over payments to the principal but that is their fault not my fault this is an accounting issue and I've never paid them late I want this account either removed completely from my credit report or I want them to update the status that I was never more than 30 days late thank you for your consideration PS they recorded the call on XX/XX/XXXX and I also reported the call to prove to my attorney of what they said
Product: Debt collection

I had never spoken with, worked with, or been reached out to by RMP LLC Service before. Once checking my credit score in XXXX I saw they had started reporting debts I had no knowledge of. I checked with original company they claim and they had no knowledge of this either. They have reached out to me exactly 3 times since I have started to dispute the debt. Each time they call they say I owe a different amount each time ranging for XXXX to XXXX dollars. When asking for a contract with my signature and RMP services I have been denied. Also have been denied an itemized copy of the billing with RMP services. As of today I was told they would report whatever debt am out they wanted and was then hung up on each time for the next XXXX XXXX as I tried to speak with another representative. They are ruining my credit and threatening to report more funds without verification.
Product: Debt collection

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ). This account has resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have a loan with NationStar Bank. I have requested a pay off amount for my loan for a refinance on XXXX/XXXX/2016. I was promised a 24-48 hours processing time. After 48 hours I have not received the pay off yet so I called them and they send it to me for the wrong date. I called them again and they are telling me it will be another three days. The people speak with a heavy accent are hard to understand.
Product: Credit reporting or other personal consumer reports

Please be advised, you are currently reporting incorrect information on my credit reports. I have recently took XXXX and XXXX to arbitration/federal court due to the same errors made on my credit reports and due to their failure to conduct reasonable reinvestigation and follow reasonable procedures to ensure maximum accuracy. As a result those accounts were removed promptly ( see attached ). Failure to comply is will noncompliance and willful negligence in which I will have to take legal action. Ive experience damages such as credit application denials, emotional and mental distress and in therapy. This is my final attempt to settle this matter outside of litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by based on their lack of responding in the time frame and their investigation results they have not abided by these laws,
Product: Mortgage

Wells Fargo generated a message indicating that my mortgage payment was past due despite having paid the mortgage via an online transfer the previous business day. The availability of these funds was immediately deducted from my account. This notice resulted in me hastily making a second payment in error. Upon contacting Wells Fargo they indicated that there was nothing they could do ( even though it was an internal transfer ) to stop or reverse that transfer. I would either need to call back the following business day or they could reverse out the payment from the XXXX, but it would be 3-4 business days to be processed. 

The second payment was a result of their inaccurate notification.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax Information Service LLC regarding a false claim they made about me contacting them concerning identity theft. As a result of this erroneous claim, the agency placed a fraud alert on my credit file, which has caused significant emotional distress and financial inconvenience. 
Details of the Incident : On XX/XX/year>, I was notified by Equifax that a fraud alert had been placed on my credit account. Upon investigation, I discovered that this alert was based on an assertion made by Equifax Information service LLC, claiming that I had contacted them to report an instance of identity theft. 
I want to clarify that I did not contact the collection agency in question, nor did I report identity theft to them at any time. This claim is completely false, and I have no idea why they would make such a statement. 
Despite my attempts to resolve this matter by contacting both the collection agency and the credit bureaus, the fraud alert has remained on my account, which has created undue stress and complicated my ability to manage my financial transactions. 
The false claim about me contacting the collection agency regarding identity theft has caused considerable emotional distress. It has led to delays in credit approvals, unnecessary complications in managing my finances, and a considerable amount of time spent trying to clear up this issue. 
Moreover, the fraud alert has damaged my creditworthiness, which could have long-term consequences, such as difficulty obtaining loans, credit cards, or even renting an apartment. 
Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau investigate this matter, as I believe the actions of Equifax Information LLC were not only inaccurate but also unfairly damaging to my financial and emotional well-being. Specifically, I request that : The fraud alert be immediately removed from my credit file. 
A formal investigation be conducted into the false claim made by Equifax Information LLC regarding my report of identity theft.

Any inaccuracies stemming from this incident be corrected with the credit bureaus. 
I am willing to provide additional documentation or information to support my complaint if needed. 
Thank you for your attention to this matter. I appreciate your prompt action in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed the attached XXXX XXXX bankruptcy, docket # XXXX with Experian. See Exhibit ( A ). I specifically requested the METHOD OF VERIFICATION that was used in their investigation, as well as the documents they obtained to verify the bankruptcy, pursuant to the Federal Fair Credit Reporting Act 611 ( a ) ( 7 ). See Exhibit ( B ).

Their response to my request was, ( THE COMPANY THAT REPORTED THE INFORMATION HAS CERTIFIED TO EXPERIAN THAT THE INFORMATION IS ACCURATE ). Experian not only failed to provide the METHOD OF VERIFICATION, after contacting the Bankruptcy Court, it is clear that the courts DO NOT report information to Experian or ANY other credit reporting agencies, for that matter. See Exhibit ( C ).

I need clarification as to whom or what third party ( if any ) CERTIFIED and provided such information to Experian. A copy of the certified letter or communication would suffice. 

It is a fact, that third party agencies such as XXXX, are sellers of consumer information. It is a fact that credit reporting agencies, like Experian, purchase consumer information from third party agencies. It is a fact that bankruptcies are filed with the courts and NOT the credit bureaus. See Exhibit ( D ). 

US Bankruptcy courts are NOT furnishers of information 's, which means that Experian 's results would be considered FALSE REPORTING, which is a direct violation of the Federal Fair Credit Reporting Act 611 ( 15 U.S.C. Section 1681 ), and this information must be DELETED immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

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  ONE YEAR OF CHALLENGING THESE ACCOUNTS REPORTING IN ERROR A FRAUD ALERT WAS PUT ON MY REPORTS WHICH I WANT REMOVED AND THEY SAID THEY WERE NOT REINVESTIGATING PER FCRA NO BALANCES OR CREDIT LIMITS SHALL BE REPORTING ON ANY ALLEGED CHARGE OFF OR COLLECTIONS ACCOUNTS
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that I believe is a result of identity theft.The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.
Product: Debt collection

Hello, On XXXX/XXXX/17, I was informed by my bank a LEGAL ORDER HOLD was put on ALL my bank accounts and I would not be able to access ANY of my accounts, I have XXXX. I contacted the phone number my bank provided, it was Premier Credit XXXX, their phone number is XXXX, they identified as Collection Agency for State of Indiana, I am familiar with Collection Agencies and procedures, I asked them about the FDCPA and they stated does not apply to them and that if I wanted to get clear, I would cooperate with them, They stated I would not be able to access any of my bank accounts at all until {$970.00} was paid to them directly. I advised amount is not correct and not owed for that and they stated not their issue or problem, they stated if an individual was listed on their list from state, Bank accounts would be froze until they were paid, no verification of balance, nothing sent to me, just pay them, or bank accounts froze for up to 60 days or longer. I was able to speak with XXXX ( I think was her name ) and the only reason I was able to speak with her is due to my collection agency knowledge, otherwise individuals would have had no idea what was going on or how even to deal with this, so others will be completely unable to help themselves. The Collection Agency faxed over a form after I had to tell them to take all the money they had listed for the Legal Order Hold to XXXX XXXX XXXX XXXX her phone number is XXXX, I spoke with her and she stated she just had received a Fax from them within 5 Minutes of me speaking to the Collection Agency and normally would be up to 60 Days before they received that and no one is able to access their bank accounts. She stated she cleared my Accounts so I could access my remaining funds after the {$970.00} was deducted from my Bank and sent to this Collection Agency, of which I have no idea still as to correct balance due to all the previous payments that had been made to the state, no paperwork, nothing, just a freeze on my Bank Accounts and almost a {$1000.00} check sent by my bank to just to some phone number I received and had to call. This was completely handled in an absolutely horrible way by this Collection Agency and I am quite certain the State of Indiana will be receiving an incredible amount of individuals contacting them on how this is being handled by this Collection Agency. If you could please assist me in anyway with this issue I would greatly appreciate it and I 'm very sure that there will be Hundreds of more individuals that would need your help if you could please look into how this is being handled by this " Collection Agency '' that the State of Indiana has decided to use to collect back taxes owed this is something that will cause an extreme hardship for an incredible amount of individuals in the state of Indiana by having to deal with the way this is being handled and individuals that do have the collection knowledge that I do, will be incredibly distraught and it will cause an extreme hardship on them. 
Thank You.
Product: Checking or savings account

About XXXX or XXXX wells Fargo froze my account when I had money in account
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need you to attend the following show items in this letter which contains data taken directly from my credit report which you have providedXXXX XXXX XXXX XXXX XXXX dated:XXXX/22, XXXX XXXX dated : XX/XX/2022 Please delete this unconfirmed inquiry lacking certifiable evidence unless physically certified proof is demonstrated per U.S. CODE U.S.C. {$1600.00} ET SEQ. Section 604 of Fair Credit Reporting Act. Once you have furfilled my request mail me an updated credit report reflecting these changes. I do not recognize any of these inquiries, please remove.
Product: Checking or savings account

I am a customer with Revolut. I filed a dispute after being charged by XXXX on XX/XX/year>. I sent over documents and a summary of the dispute. Revolut began the dispute process. They have insurance to cover unauthorized charges. They do not want to reimburse me or hold XXXX accountable. Revolut nows wants to close my account on XX/XX/year> because of the dispute I filed. This practice is not lawful to apply to banking customers.
Product: Debt collection

Collection firm purchased debt in 2008. Date of XXXX delinquency and reporting date was XXXX 2008. XXXX year credit reporting expiration should have been XXXX XXXX. I have recently checked credit to see the dates have been changed to XXXX with 7 year expiration moved to XXXX XXXX. I have had no direct contact with Asset Acceptance nor have I done anything or received information that would have moved or changed any aging on this account. I have previously asked multiple times ( in writing, certified letter ) for a full debt validation, including original dates, etc. They provide a very generic form which is not a validation, but rather a verification that my name is listed on the debt. This is causing continued damage to my credit. What they are doing is illegal under the FDCPA
Product: Credit reporting or other personal consumer reports

When I became victim of identity theft it became a negative impact on my life and credit. Whoever stole my identity obtained credit in my name fraudulently.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXXXXXX XXXX XXXX
Product: Student loan

Have previously requested to lower monthly payments but have not successfully been able to do so. My monthly payments have only increased.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : FOR 3 TIMES CONSECUTIVE XXXX XXXX XXXX PERSISTENT WITH THIS PROBLEM AND THEY DONT WAN NA HELP ME, PLEASE I NEED YOU HELP WITH THIS ACCOUNT : XXXX account number : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ). please I request a reinvestigation under Dispute of Inaccurate Information on Credit Report FCRA Section 611 and demand deletion for incomplete unverified informacion the last 30 days This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidat
Product: Credit reporting or other personal consumer reports

I regret to inform you that I have identified inaccuracies in my credit report, despite the standards set by the Fair Credit Reporting Act and Metro 2 compliance guidelines. I expected a higher level of diligence in ensuring the accuracy of the data reported by your organization. I now request that you take immediate action to correct these errors and verify the legitimacy of any inquiries listed on my credit profile.
Product: Debt collection

This debt is unverifiable and incorrect and needs to be deleted immediately!

A letter request was sent on XX/XX/2020 to Pacific Credit Exchange to verify the information when there's obviously no proof this account was actually verify for validation the itemswas not received.

I contacted Pacific Credit Exchange and I was told from XXXX XXXX I do not have the right to request or receive this information. Not only have they ignored my prior requests for validation of debt { proof enclosed } Send copies Of previous letter or certified mail receipts with letter } but pacific credit exchange continue to report this debt.

Unverifiable Items -Proof of your right to/collect this alleged debt -Date of repo and location, -A comlpete detailed history of all transactions { including payments, credits, NFnf checks, returns -contract bearing my personal signature
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself to inform you that the item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. Please UPDATE accordingly : ( XXXX XXXX XXXX  XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 {$0.00} ; DEPTEDXXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX
Product: Debt collection

I have used Freedom dept repeat company to negotiate a settlement with the credit card company. They turned it over to a collection agency while negotiating a settlement. They then agreed on a settlement. I was never informed of a collection.