23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  account number XXXX I dispute the validity of all claims in this complaint that the company didnt follow. 
account under account numbers are disputed. 
The vehicle in question Under the laws of Florida and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to. 
I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL The company are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.

If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. I demand the company to delete this account from my credit report immediately.

In addition, if the company singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Feder
al statutes and including but not limited to UCC 9-625 remedies.

Furthermore, the company is hereby notified that at no point in time and under no circumstances are the company ; an employee of the company ; a representative for the company or affiliates are to contact me or any family members by any means other than the US mail system.
Product: Credit card

I applied for a secured credit card, was approved, and I funded it immediately. Key won't send my card until they verify my address. An address that Key has on file for my other accounts, and this address shows on XXXX. 
XXXX people have called me multiple times regarding my address. I spoke to XXXX XXXX XXXX  and told him that this whole process is convoluted and I'd like to cancel my app. He said he could do that for me right now, and did. Then I get an email that says I was DECLINED. And my {$300.00} security deposit which they took immediately has not been returned.
Product: Mortgage

Mine is a V. A. Mortgage and XX/XX/XXXX I submitted an application to the Keep Your Home California ( KYHC ) Principal Reduction Program ( PRP ). It was approved and funds of {$62000.00} were disbursed to my mortgage lender, Suntrust Mortgage , Inc. on XXXX XXXX, XXXX. Prior to the KYHC PRP, my monthly V. A. mortgage payments were {$780.00}. The KYHC PRP regulations required Suntrust, on XXXX XXXX, XXXX do XXXX things at the very same time : 1- to lower my principal by the amount I was awarded, the {$62000.00} and 2-to lower my monthly V. A. mortgage payments to a maximum of XXXX % of my monthly gross income of XXXX ( from my V. A. XXXX XXXX XXXX XXXX XXXX ), which is {$400.00}. On XXXX XXXX, XXXX Suntrust never lowered my monthly V. A. mortgage payments until I kept insisting they do so and only because I contacted the U.S. Dept. of Veteran Affairs and KYHC for assistance in getting Suntrust to comply with these KYHC regulations. In clear violation of KYHC regulations and for two full months ( XXXX and XXXX XXXX ) after their XXXX XXXX, XXXX receipt of the {$62000.00} Suntrust continued to charge me the full monthly mortgage payments of {$780.00}. Then in XXXX XXXX Suntrust again violated KYHC regulations by again exceeding the XXXX % maximum of my gross monthly income, by charging me {$410.00} instead of the KYHC required {$400.00}. 

These XXXX clear and deliberate KYHC violations by Suntrust created an undue burden on me and I was unable to afford my monthly V. A. mortgage payments and this caused me a hardship of Their won creation. During these three months, Suntrust further harassed me by mailing me paperwork in which they wrote, and which specifically stated that they intended to foreclose on my home by forcing me to Short Sale my home for those three months of missed mortgage payments. I am reporting these violations of KYHC regulations by Suntrust and I am requesting that Suntrust Mortgage , Inc be investigated and held accountable for these deliberate violations which Suntrust themselves created and with which they tried to illegally foreclose on my home by forcing me to Short Sale my home and leave me, an XXXX XXXX and XXXX XXXX Veteran homeless.
Product: Credit reporting, credit repair services, 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. 

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 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  ( FRAUD ), has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year>2025.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been working with irs with an audit for months and still showing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I moved out of the state of Michigan. I was unaware that anything that my bank account at XXXX XXXX went negative. I had stopped using it when i moved. in XXXX i attempted to open a joint account with my teenage son at XXXX XXXX XXXX and was declined because a chexsystem report. I contacted chexsystem and discovered it was from XXXX XXXX. I contacted XXXX XXXX branch in which i had the account. They said the account was charged off, and i could not pay it off ( {$39.00} and some change ) I asked how i could have this removed, the representative at the time told me to dispute it with chexsystem. I did. The dispute showed i was responsible, which i never actually disagreed with. I just wanted to pay it. I finally contacted a corporate office, who gave me the ODP department. They told me to pay the balance, and it would be removed. they also told me to include a letter stating i wanted a copy of the letter of it being paid for my records. When i recieved that letter XXXX/XXXX/XXXX It was titled Paid in full letter. and stated that i had paid my balance and closed my account with XXXX XXXX, however, it would remain on chex system. This is unfair. I paid my balance. This remark should be removed. It is keeping me from opening accounts for my children and improving my financial future. I paid my debt. They need to remove the remark from my record, this could even keep me from advancing in my job as i work for XXXX XXXX XXXX. This is all under my maiden name of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a loan denial I decided to check my credit. 

XXXX XXXX has been reporting erroneous information to the three major credit bureaus. The company has been reporting and increasing outrageous amounts that are false and is causing financial difficulties. The account with XXXX has been closed and charged off since 2016. 

The company took the debt to civil court and was awarded a judgment in the amount of XXXX. 

XXXX has continued to report a high balance of {$28000.00} and the amount is climbing every month. 

These reporting are false and fraudulent and is causing financial difficulties. 

I no longer have an open account with this company I dont see how they are legally allowed to report increasing balances per month.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed an unauthorized activity on my Discover credit card I reported it- someone in Florida paid my card for {$1300.00} and withdrew $ XXXX Discover closed that account and is in the process of getting a new account and card within 6-9 days. I am on XXXX as I am a 1st responder XXXX. The problem is on XX/XX/23 Discover made an unauthorized withdrawal from my personal account for {$1300.00}. Causing me hardship as I live pay check to paycheck as I am XXXX. I brought it to the attention of Discover and my XXXX account. How is Discover able to withdraw that {$1300.00} from my account without my authorization. Causing me hardship. XXXX has been fantastic in helping to resolve this, I need to file a complaint against Discover, because they withdrew the funds that I was not liable for and without my authorization.
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 XXXX USC XXXX. 

and list of Inquiries. 

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

XXXX U.S.C XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection

I allowed a relative to use a XXXX XXXX credit card which was referred to United Recovery Systems for collection after it became past due. Arrangements for payment were made by my brother with XXXX XXXX to pay the $ XXXX balance. He has followed through with the arrangements made and is actually ahead of schedule on the payment plan but she continues to call me requesting that he pay more. Since he is current on the payment plan, I do n't feel that it is necessary for her to continue calling me at least XXXX a week.
Product: Checking or savings account

I opened XXXX accounts, checking and savings, with Capital One on XX/XX/2024 and funded the accounts while opening them. Both accounts were restricted on XX/XX/2024. 

Capital One requested further verification by asking for copies of my government ID, which I provided. Capital One did not remove the restriction. 

After a second phone call and roughly XXXX hours of total phone time, Capital One has been unable to remove the restrictions or close my account. Their only suggestions have been to go to a nearby cafe, which is XXXX miles away. 

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The representative told me that my account could not be verified because he " was not talking to a real person. '' Further, he told me that Capital One would indefinitely retain my funds until I can properly verify -- which I have. He kept emphasizing that they did not believe they were speaking with a true customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted XXXX XXXX about them sending me information on the XXXX XXXXXXXX XXXX but they have not be very helpful. I submitted a complaint with CFPB and they went on my experian credit report to duplicate the XXXX XXXXXXXX account on my credit report. they are duplicating the same account on my credit report twice
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a secured credit card through XXXX XXXX. After my application, I discovered my twin brother 's credit file is showing on my credit report. I contacted Transunion on XX/XX/XXXX and they explained I would need to mail in information to verify my identity, however they did not specify all the documents I would actually need. I mailed the information on XX/XX/XXXX. I never received any confirmation so I called Transunion again on XX/XX/XXXX and they assured me it would be fixed in five to ten business days. I reapplied for the secured cc and discovered my credit file had still not been corrected. Today on XX/XX/XXXX my banker and I called Transunion after being transferred multiple times and hung up on just to find out there were no notes or updates on my credit file. I would have to resend the documents and call again for an update in five to seven business days. I also tried to contact XXXX and XXXX on XX/XX/XXXX. XXXX did not allow me to speak with a representative due to the call volume being too high and advised me to call back later. I tried to dispute my credit file online with XXXX online and by calling on XX/XX/XXXX but was not given the option to actually correct my credit file. I have been told this is a common error but not my error, to begin with. I just want to fix my credit file so I can start building my credit. This has been a major inconvenience and I have not been helped in any compacity by any of these credit bureaus. I am starting to feel defeated and possibly am being discriminated against by me being a young XXXX American man.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I purchased a credit report with XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, which are misleading to me. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaint and hope that these accounts late will be removed. 
XXXX XXXX XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit card or prepaid card

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2017 with an amount of {$13000.00}.
Product: Credit reporting or other personal consumer reports

SINCE 2019 I HAVE BEEN FIGHTING AGAINST ID THEFT. THERE HAVE BEEN MULTIPLE ACCOUNTS AND INQUIRES THAT HAVE DISPLAYED ON MY CREDIT. WHEN CONTACTING THE CREDIT BUREAUS AND REFRENCING 605B THE INQUIRES STILL REPORT.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account or recieve a service at your company. I did not open or authorize this account or service, and I therefore request that it be closed immediately. I also request that PHOENIX FINANCIAL absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Mortgage

I requested a forbearance, and then called back to begin making payment. Instead I was told I was required to apply for a loan modification. I said that was ok. Without submitting any documents, I was allegedly reviewed and then denied a modification. I received a notice of default for {$3.00} XXXX, XXXX XXXX, XXXX dollars. I offered to make larger payments, at XXXX per month, but PHH refused. 
I am unclear how I was reviewed since I never submitted a written application. I was denied because of value. Please note I only 0we XXXX on the first loan, no seconds or other liens, and the house value is {$360000.00}. 
In addition, PHH scheduled a phone call with my relationship manager, at XXXX on XX/XX/XXXX. 
It appears PHH is doing everything they can to force the sale of my home. I ama senior citizen, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX  the agency XXXX XXXX offered me a contract in which the agency negotiates with my creditors to repay my debt and rebuild my credit. We reached an agreement in XX/XX/2015 in which XXXX XXXX charged automatic monthly payments of {$350.00} using my checking account. The term agreed was 54 months for a total of {$19000.00}. 
The accounts they agreed to pay off were the following : XXXX XXXX - {$9700.00} XXXX XXXX - {$8200.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX  - {$1100.00} XXXX XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX - {$970.00} XXXX XXXX XXXX XXXX XXXX - {$910.00} XXXX XXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXX - {$110.00} XXXX XXXX XXXX XXXX XXXX - {$670.00} Total = {$26000.00} Although the terms of payments have lapsed and payments were paid in full as agreed, the agency XXXX XXXX has failed to fulfil their agreement of paying the accounts to restore my credit history. Recent credit reports indicate that the largest accounts have not been paid. I have contacted them in numerous occasions and spoken with one of their representatives. In the past the representative indicated that the debt payment is being handled and offered an option to extend my contract to a longer term. Since I had did not have the need for it, I did not extend the contract further but fulfilled all the agreed payments. Since contract term have lapsed and the debt is still showing on my credit report I have made numerous attempts to contact the representative again. However, I do not get a response or I am informed that the representative is on another call or unviable. I left my contact information for a call back numerous times by the representative who was handling my case but I never get called back.
Product: Credit reporting or other personal consumer reports

I am not liable for any debt with XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX, XXXX the Deletion of this item from my credit file. I am attaching a notice of deletion from XXXX.
Product: Debt collection

1.I have never had an account with this company ERC XXXX XXXX REMOVE from all credit agencies from reporting. 

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are ERC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Debt Dispute Violations by CRAs : They have reported late payments when I paid timely and in full accordance with my loan and XXXX agreement at the time of signing. The student loan agency failed also in notifying a creditor that I disputed the debt that it has reported and has repetedly failed to conduct a reasonable investigation of my disputes, and, or correct or delete any of the inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. 

When the loan was opened with he assistance of a XXXX XXXX at XXXX XXXX XXXX it was stipulated in the loan agreement that due to my XXXX I would always receive mailed statements. No statements were ever mailed. My account was part of a system issues that removed my account from being billed. And, the billing status was never rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the company 's customer service representative. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX