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

This is my first endeavor to tell you 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Product: Debt collection

I received a email from a company called Capital recovery credit regarding the medical debt for {$110.00} I advised them as is my right by consumer law to not deal with the third-party agency. I placed a cease-and-desist against them for all communication via email phone or text message. On XX/XX/XXXX, I received a second email from them regarding the same debt from the original creditor.I responded to them, advising them that they had ignored the initial cease-and-desist that they were in violation of the FDCPA AND THAT I WAS GOING TO FILE A FORMAL COMPLAINT AGAINST THEM FOR THE VIOLATION. 
On the same day, I received yet the third email from the same company stating that the account was in early stage and then flipped to collections but now closed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

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

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

15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Inquiries : XXXX XXXX XX/XX/year> : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Upon opening the account, the advertised sign up bonus was {$100.00} after opening with a {$100.00} initial deposit.

I have not received the bonus funds, and have not received a response by email from the company. When attempting to call the company, the line goes to voicemail and the calls are not returned.
Product: Debt collection

There is an account listed which is unknown, I have disputed and it remains. I have never done business with a company called  XXXX   XXXX   XXXX  this is unknown and does n't belong to me remove this
Product: Credit reporting or other personal consumer reports

I received a hard inquiry from this company. I did not apply for any credit card or credit card increase.
Product: Credit reporting

I contacted Equifax on fraud, they " investigated '' and came back to say they are legitimate. Even though I uploaded the attached that clearly states they are fraud.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifix ) and I noticed some late payments posted on my consumer report. 

This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

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

I opened a XXXX XXXX credit card a while back through an advertised promotion on XXXX 's ordering page to get the store/statement credit. When I did this, XXXX XXXX unknowingly to me at the time ) took it upon themselves to automatically update the new XXXX XXXX card as my primary payment method. When I later made another XXXX order with the automatic slide to order, I did not see the payment method and expected it to default to my previous payment method, which should have been my primary payment method with XXXX all along. Because of this, there was an additional charge posted to the XXXX account after the balance had been paid. In my mind, the XXXX card was zero balance and not currently being used by me. What is even more unfortunate is that XXXX never contacted me when my account went late due to a payment not being made or being on auto-pay. Thus, an additional 30 days went by, and this was unnoticed by me until I was hit with a sub-sequential 30-day late payment on the account on my credit report. I called XXXX a while back to explain this and it was very hard to get through to anybody who actually genuinely understood the situation. I was never given a thorough method of resolving this issue.
Product: Debt collection

On XXXX XXXX I filed a complaint- reference number XXXX against MIDWEST RECOVERY SYSTEMS. In their response to the CFPB regarding this matter they indicated that and I quote, '' Additionally, in this instance a record for deletion has been sent to all XXXX credit reporting agencies. '' On XXXX XXXX, it was brought to my attention that this account is still being reporting to XXXX and this occurrence has been verified by XXXX customer service agents of XXXX On that same date, I contacted Midwest Recovery Systems and I was given an elaborated reason by some XXXX XXXX as to why this account is still reflecting on my credit report. This morning on XXXX XXXX, I call Midwest Recovery Systems and spoke to a XXXX XXXX and I feel that I am being giving the run around. Now I am filing this follow complaint against the Midwest Recovery Systems for clearly providing false information to the CFPB. It seems evident that they have no problem providing false information to a federal institution. This attitude of theirs is further evident in their total disregard of the federal statutes of the FCRA that binds them. The latter is perhaps a reason why I have never received a debt validation notice from them since I started communicating with them. More importantly, after sending them a certified mail requesting for validation of the debt as indicating in my previous complaint they continue to report this account to XXXX and I am yet to receive any response to my debt validation request.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint and dispute inaccurate information reported by XXXX on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). Attached to this letter is a copy of the specific account in question. 

Details of the Inaccuracy : Creditor Name : XXXX Account Number : XXXX Disputed Amount : {$4200.00} Status : Collection/Charge-off Remarks : Account information disputed by consumer, meets FCRA requirements This account contains inaccurate or unverifiable information that has negatively impacted my credit report. Despite disputing this with XXXX, the account has not been corrected or removed. 

Violations of the FCRA Include : 1.15 U.S.C. 1681i ( a ) : XXXX failed to properly investigate my dispute within the legally required timeframe. 
2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : I was not provided with adequate documentation or verification proving the accuracy of this account.

3.15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If the account can not be verified, it must be corrected or deleted, which has not been done.

Actions Requested : 1.Investigate this matter thoroughly with XXXX and XXXX. 
2.Provide documentation verifying the accuracy of this account. 
3.Require XXXX to remove this account if it can not be properly verified. 
This issue has caused significant harm to my creditworthiness, and I am requesting the CFPB to intervene and ensure compliance with the FCRA. I look forward to your assistance in resolving this matter. 

Thank you for your time and prompt attention to this issue. Please feel free to contact me if you require additional information.
Product: Debt collection

Mailed letter to company on XX/XX/XXXX opting out of reporting a collection account dated XX/XX/XXXX for the amount of {$590.00}.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the following statement is true and correct to the best of my knowledge. I certify that I am permitted by federal and state law to file this dispute. I understand that knowing and willful misstatements or omissions of material facts constitute a federal criminal violation punishable under 18 U.S.C. 1001 and as perjury under 18 U.S.C. 1621.

An item on my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating this account. The debt collector, XXXX XXXX XXXX, has placed an unknown account on my credit report without my knowledge or consent. This has caused significant harm, including damage to my credit score and defamation of my character. 
The continued reporting of this fraudulent debt by XXXX XXXX XXXX constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve this matter directly with the collector, they have failed to provide sufficient validation of the debt and continue to report this erroneous information to the credit bureaus. This has led to emotional distress, financial hardship, and reputational damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford is reporting me late erroneously. I was never late with Ford Motor Credit. The lease began on XX/XX/2016, and I was marked late on XX/XX/2016 which was the first month that was due after the payment that was provided at the dealership Ford failed to send me the initial billing statement despite multiple phone calls to Ford to inform them that I have not received the bill. They informed me that the car is not yet visible in their system and assured me that the bill will be issued shortly. However, the initial bill was NOT issued, nor received, but yet I was marked late. Upon reaching out to Ford they informed me that the error will be corrected. It has been several years and the error is yet to be corrected. Please REMOVE THE XXXX day late on XX/XX/2016 As I was never late.
Product: Mortgage

I went to my local PNC bank branch where I do the majority of my banking to apply for a mortgage loan. Initially I gave them permission to run a credit report and begin the loan application process. Their originator called me to let me know that my credit score was a XXXX and my rate would be 4.125 % on a 30 year fixed, I then decided to shop the rate. I received a better rate from another lender and let PNC know this so they decided to match that rate of 4 % and not charge me any points to get there. When I finally received my credit score report from PNC 12 days later I realized that in fact my score was a XXXX ; which is obviously a significant difference. By the time I realized this mistake we were under 30 days from our close so there was n't sufficent time to shop for a new rate without losing the house we were buying. My purchase was contingent on the sale of my home ; we had a buyer and agreed on a sales price. My buyer was also using PNC and the same loan originator from the same branch. Next issue was my home appraised at $ 47K less than the agreed upon purchase price, so naturally PNC would n't underwrite the loan and now my buyer had some suspicions about the price. Luckily the buyers brother was also an appraiser and he believed our price was fair. The buyer found a new lender and they did a new appraisal which came back over our sales price. This issue resulted in us having to postpone the closing on both properties for 7 days. So now 10 days before our new close date I was informed by my lender ( PNC ) that they would no longer honor my 4 % rate without adding a fee of {$1500.00}, essentially making me buy a point to get to the previously agreed upon rate of 4 %. I was given no options or explanation, just a call from my originator to disclose the new fees. When I asked for clarification he provided no clear answers and immediately told me to contact his manager. I hung up and called the manager over the next ten days sometimes multiple times a day and I hardly heard back from her. I completely understand that phone tag is normal and people are busy but I felt as though my calls were being screened and purposely not returned in a timely fashion. In addition to this my GFE as it was explained to me was off by $ 9K as compared to my final HUD. Again the loan originator had trouble communicating the differences between the XXXX and where we missed the mark. He had me call the closing company to get an explanation of the HUD and that 's when we realized that his numbers were really out of whack. I truly feel like I was steered into an unfair loan and forced to pay a fee that was n't properly explained to me. Not to mention that initially they did n't disclose my correct credit score which did n't allow me to accurately shop for other loans. I feel like my rights were violated multiple times during this process and I really hope this story can encourage others to steer clear of situations like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear on your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.. Case number XXXX XXXX XXXX and XXXX
Product: Debt collection

Cavalry SPV I , LLc attornies filed a summons in Civil court against me XXXX of XXXX, 2019. Served to me at my home address and only address on file on XX/XX/2019. I then intern filed a Response to the civil suit on XX/XX/2019. On XX/XX/2019 Cavalry SPV I , LLC violated section 805 ( b ) my sharing my personal and confidential information with a Third Party. On XX/XX/2019 Calvary SVP, LLc filed a Certificate of Service of Plaintiffs initial disclosure in the Civil case against me. It was sent and signed for by someone in the state of Texas. I was informed they also broke rule 26 of Utah law. Failing to provide the debtor with proof of debt within 14 days. I still have not received any documents pertaining to the debt I am being sued for. I was told file a complaint with cfpb as Calvary has a history of such violation in many states. 
I can provide court records, case numbers and other documents that validate
Product: Debt collection

I got a derogatory mark on my credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I'm victim of identity theft. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing SPRING OAKS CAPITAL LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is still falsely reporting payments made in am attempt to extend the life the loan on equifax credit report. They are reporting that a payment was made XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT, in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act. 

Your company responded with " We are not reporting payments made on this account. The last payment we show reported was XX/XX/XXXX. She has disputed this account several times but we are reporting what our records indicate. '' Yet equifax is reporting payments made, as EVIDENCED BY MY CREDIT REPORT. Equifax does NOT report payments made UNLESS THE COMPANY CALLS TO REPORT IT!! Therefore im seeking legal counsel and start the process for a class action lawsuit And it was bro7ght up directly with XXXX and i showed him my credit report and he laughed and responded " oh i dont know how that happened '' EITHER FIX IT OR A CLASS ACTION SUIT WILL COMMENCE.
Product: Student loan

I'm experiencing some major difficulties in obtaining loan information. I'm in need of a Master Promissory Note. The U.S Department of Education explained that my original loan provider, has the needed information. I have contacted XXXX XXXX a number of times and haven't heard a response. In order to pay this loan off I have to verify that all the information, that I have gathered, is in accordance with the Master Promissory Note. I had contacted XXXX XXXX a number of times in the past and requested the Master Promissory Note but they sent me disbursement statements. The information that I have didn't correspond with the disbursement statements.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested from XXXX XXXX the signature card for my account. They have sent only account information and nothing to prove this account is mine. This has been an exhausting process involving phone calls, emails, and mail. With them still not providing the requested information. I starting this process in early XXXX and we are well over the 30 day time for them to provide the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT INFORMATION REPORTED ON MY CONSUMER REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, 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
Product: Debt collection

Good morning, The details are described as such. My business has a supply store credit card through Comenity Capital Bank. I received a bill in XXXX in the amount {$370.00} and promptly paid this with check number # XXXX. They debited this amount from my bank on XX/XX/2022 as payment to this charge. They have continued to bill me monthly plus add a {$41.00} late fee on each statement, compounding these unwarranted late fees to total {$560.00}. I wrote a letter to the disputes department for this company including proof by my bank that the initial charge was in fact paid in full and in a timely manner. No one will get back to me. This company continues to affect my credit and credit score, which is unacceptable. This original charge was paid. Therefore there should be no outstanding charge nor any of these late fees. I am at a loss on what to do. My sincere thanks, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card XXXX  account under an open end consumer credit plan as late for and purpose
Product: Credit reporting or other personal consumer reports

This morning, I realized there are false accounts listed on my credit report, and I have no explanation for it. When I checked my report as I regularly do, I found unexpected errors. I tried refreshing my browser to see if it was a temporary issue, but the mistakes didnt disappear. Therefore, I kindly request a detailed review of the documents Ive sent to make sure this doesnt happen again.
Product: Credit card or prepaid card

I authorized the credit card to take money out an one-time payment over the phone for  XXXX  different account s (   XXXX ,  XXXX   XXXX ,  XXXX   ) ow ned by the same credit card compa ny ( Comenity Bank ) for   a specified amount on a specified date. The credit card company drafted the money for  XXXX  account on the date specified  XXXX   XXXX  and authorized by me and drafted the amount for the other  XXXX  account on dates that I did not authorized, 7 days later on  XXXX   XXXX . This caused the bank charge me overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX