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

XXXX is reporting inaccurate and incomplete data on my XXXX  and XXXX  reports. 

I disputed with them as part of the XX/XX/XXXX Class Action Lawsuit to get the account deleted. However they never responded to my certified letter that was received by them on XX/XX/XXXX. 

I also disputed on XX/XX/XXXX via recorded phone call and was told the account was not being serviced by them since XXXX. 

I asked for the documents regarding a repossession that's showing on the account and was told they were being sent to me. As of today, I have not received anything, nor is the account showing disputed by Consumer yet it shows date last reported on my XXXX  credit report as XX/XX/XXXX. 

XXXX is providing incorrect data on my reports despite several attempts to have it corrected and or deleted. 

I also disputed with Cascade Capital on XX/XX/XXXX and was received by Cascade on XX/XX/XXXX. No response to date. 

on XX/XX/XXXX I contacted Cascade via recorded phone call and was told they no longer service the account and was outsourced to XXXX XXXX XXXX, but XXXX XXXX XXXX is the collection agency handling requests. I asked again for the documents related to the repossession showing on my report and was told they were being requested. 

this seems very very shady to me. five companies associated with one account? No wonder the data is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been receiving emails from Affirm noting that I have an account that is past due and being reported to credit bureaus. I emailed them back requesting more information and sent screen shots of my account to show them that the information they supposedly reported is wrong. I subsequently called them as well and they confirmed that the account in question is fully paid. I then saw that the information is on my credit file. The account in question is not even found in my affirm account nor have I ever had a payment to them that equals the amount they claim is my monthly payment for the supposed delinquent account. Credit bureaus have investigated and claim that affirm adequately confirmed the legitimacy of the supposed account. I have screen shots of my affirm account that prove they are reporting inaccurate information. I want this removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance : {$670.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Michigan XXXX Subject : Request for Debt Validation and Assignment Contract Dear Sir/Madam, I am writing to request that you validate the debt referenced below as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute the validity of this debt and require proof that you have the legal right to collect it. Specifically, I am requesting the following information : 1.The full amount of the debt including any interest, fees, or other charges that have been added.

2.The name of the original creditor and any documents showing that you are authorized to collect the debt on their behalf.

3.A copy of the assignment or contract between the original creditor and your agency, which demonstrates that the debt was legally transferred or assigned to you. This includes the original signed contract or any legal documentation that proves the chain of ownership.

4.Any judgments or court orders related to this debt, if applicable.

Please note that under the FDCPA, you are required to provide this information within 30 days of receiving this letter. If you are unable to provide sufficient documentation to validate this debt, you must cease collection efforts immediately and remove any entries associated with this debt from my credit report.

I also request that you cease any further collection attempts until the requested validation and documentation are provided. If you do not have the legal right to collect this debt, or fail to provide the requested documentation, I ask that you immediately cease all communication with me and remove any negative information from my credit report.

Thank you for your cooperation, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

At the beginning of XXXX I disputed a collection account through XXXX XXXX  for Southwest Credit Systems trying to collect a debt that's over 8 years old from XXXX for {$830.00}. After disputing it, the company started calling my phone from clandestine numbers appearing to come from XXXX WA. but were actually originating from Texas. They would call multiple times a day and never leave a message. I decided to answer it one day and got a message from Southwest Credit Systems trying to collect a debt. They started calling my boyfriend phone multiple times a day ( A violation of The Fair Debt Collection Practices Act ). He would block the number and they would continue to call from different variations of the same number. They are not licensed to operate in the State of Washington, they have never attempted to contact me or send proof of debt. This is a zombie debt, or time barred debt. In the state of Washington the statute of limitations is 6 years. I have not had XXXX since 2013. This debt was sold to Southwest Credit Systems in an attempt to revive it and I dispute it. Especially when they feel free to violate the FDCPA. If you look at their profile under the XXXX  they have over 383 complaints. Naturally a collection agency will have complaints, but many are the same allegations from this unscrupulous company. I contacted XXXX and this debt is not on their records and in fact I'm eligible for another account if I wanted to. I ask that Southwest Credit Systems and other companies like them be investigated for their collection practices and violations of the FDCPA. I would like this company to remove whatever information they have about me or my boyfriend and delete this debt. I also contacted the state ATG in the state of Texas where this company allegedly resides about this company as well as the WA state ATG, the XXXX  and other appropriate entities.
Product: Debt collection

XXXX XXXX XXXX XXXX has sent negative information to XXXX XXXX XXXX XXXX XXXX.XXXX, NC XXXX a debt that they say I owe. I have sent several letters to XXXX XXXX XXXX to prove this debt with a contract I signed to validate their claim. They have refused to do so. I am entitled a validation i.e a signed contract by me or document with my signature. This debt doesn't belong to me and has caused damage to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted the following complaint. Please refer to complaint # XXXX. Equifax has not fixed this issue. This is my last attend at correcting this problem. Since XXXX, EQUIFAX has continued to give out incomplete or inaccurate information even after I requested corrections. These actions may constitute fraud under both federal and state laws. 

I will not hesitate to bringing legal action against EQUIFAX for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. I will seek actual damages, statutory damages, punitive damages, court costs, and attorneys fees. Thank you. 

Complaint # XXXX Hello. Back on XX/XX/XXXX, I had two XXXX XXXX XXXX accounts ( XX/XX/XXXX Visa ending on XXXX and XXXX XXXX XXXX ending on XXXX ). During the same month I had some fraudulent charges on my XXXX account ending on XXXX. I reported it to XXXX XXXX XXXX. They closed the account and issued a new card ( ending on XXXX ). I moved to a new address and that card never made it to me. Again, they canceled that card and re-issued a third card ( ending on XXXX ). Thats the one I currently have. Equifax has had INNACURATE information on my file since XX/XX/XXXX. According to Equifax, I have only one XXXX XXXX XXXX Account ( Visa ) ending on XXXX. I called them to tell them XXXX XXXX XXXX closed my XXXX account ( because of fraudulent charges ). But they re-issued a new card ( now ending on XXXX ). They said they have never received this new information. When I called XXXX XXXX XXXX about it, they ( XXXX XXXX XXXX ) said they have been reporting every month since then. I believe them because XXXX and XXXX do have the information right. Equifax is the only agency thats missing my new XXXX account. They are conveniently omitting this information from my credit file. This happens to be my credit card with the highest available credit ( currently at {$1600.00} ) and with a credit utilization well below 30 % ( now at {$420.00} ). This is my fourth complaint about Equifax in the last six months. Thanks for your help CFPB. 

Provided Feedback Thank you, EQUIFAX, for replying. I just received the results ( in the mail ) to your Internal Review. Let me start by saying you didnt have to do an internal review because I already gave you all the information you needed. All you are doing is confirming that I am right. My XXXX account ending on XXXX is not showing on my credit file. You didnt bother to pick up the phone and call XXXX XXXX XXXX to confirm the information I am giving you is right. I know so because I just got off the phone with them and they have not heard from you. So not only are you lying to me now, but you are also lying to the Consumer Financial Protection Bureau. You did not conduct a proper investigation which would have included calling XXXX XXXX XXXX  DIRECTLY to confirm the information. Please do so or you will be hearing from my attorney. Thank you.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was violated and taken advantage of, I have already contacted the police and made a police report of the following. Issues. And would like them removed from all 3 credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Request for Blocking and Deletion of Fraudulent & Inaccurate Accounts under 15 USC 1681c-2 ( a ) / XXXXXXXX XXXX XXXXXXXX XXXX # XXXX To Whom it may concern, I am writing to formally notify XXXX, XXXX, and TransUnion, of my status as a data breach victim, which has led to fraudulent accounts being opened in my name without my authorization. Under the Fair Credit Reporting Act, specifically, 15 USC 1681c-2 ( a ), as the following fraudulent accounts are crippling and damaging my consumer reports, as I do not recognize them. Regardless of any verification the furnishing companies submit via E-Oscar ; I request that you block and delete all accounts associated with this fraudulent activity from my credit report with in 4 business days. Accounts listed below. 

XXXX XXXX LATE PAYMENTS Credit usage - % credit usage unavailable Balance - Balance updated - Credit limit {$500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Payment summary XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 

Status updated XX/XX/XXXX Highest balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 58 % paid off Balance {$640.00} Balance updated XX/XX/XXXX Original balance {$1500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX XX/XX/XXXX - XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX CO XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$640.00} written off. {$640.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX due amount {$640.00} Original balance {$1500.00} Monthly payment - Last payment date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

re : Went to pay for doctor bill at time of service : {$35.00} copay, young lady said I owed nothing since this so-called " doctor '' didn't accept me as a patient. 4 years, did you hear, FOUR YEARS later he turned me in to collection company for his {$35.00}!! they have reported me as non-payment, collections, on my credit report, and equifax can only " contact '' them!!! 
i had no choice but to pay so this will be removed from my report, but this is so unfair. if anything, i deserve my money back!!!! i had to pay, they threatened me with attorney costs!!! the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | XXXX, KY XXXX Phone : ( XXXX ) XXXX Have had XXXX since birth, XXXX different types XXXX, stemming from every section of my brain. This man is a poor excuse for a doctor!!!! Poked me in head where I had XXXX XXXX, asking what's this? What an XXXX!! 
i have been seen by the # 1 neurologist in the world, XXXX XXXX XXXXXXXX, and she put me thru hundreds of studies, including implant trials to control my XXXX all unsuccessful!! But she tried!!! 
He turned to us, said he didn't want another doctor 's problems, refused to understand that i have XXXX XXXXXXXX and can only take XXXX ; he said this was nonsense!! 
finally, after " consulting '' with his laptop, and ignoring me, my husband said that we understand that some doctors are just aren't as smart as others, and took my hand and we left!!! he is rude, arrogant and totally unethical!!!! unlike any doctor i've ever seen for XXXX, and trust me, i've seen many!!! this man acted like " why are you here? '' duh... you're ( supposed to be ) a neurologist, i have XXXX... you figure it out XXXX!!! soooooo rude!!!!!!! 
Hope this man, and his staff, retire before he hurts someone!!! The man is a XXXX, no one should trust him!!!!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been through mediation meetings and have done all the required steps that Seterus has asked of me regarding my deceased husbands mortgage/loan that I inherited after his death in XXXX, but they still have everything under his name and social security. I have been trying for two weeks to find out when they supposedly mailed my permanent modification documents for my review and signature but they can not say when. Even my XXXX counselor tried calling on my behalf and they would not talk to her. I get only machines and everything is still under my dead husbands rates ect. 
I made my XXXX trial payments on time and they even addressed it to him. I am getting nervous since XXXX XXXX. is coming quick. I do not even know if my payment will have to be on the XXXX of the month like his was and what percentage rate I will be at now. He has been since XXXX at a 7.12 % which I always said was ridiculous and should have been lowered along time ago. My filing a Small Estate Affidavit with the Courts should have resolved all the issues of addressing to him and not me, but it has not!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting XXXX as derogatory on my consumer report when XXXX is reporting paid. Transunion is reporting this account as a charge off but according to the IRS charger-offs are considered a certificate of indebtedness, which is considered income. Income can not be reported on a consumer report. Also, the fact that the info is not being reported the same across all three agencies is a violation of 15 USC 1681. All info should be reporting fair and accurately according to this code.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing an unverified bankruptcy with Equifax in XX/XX/XXXX. I have sent this institution multiple disputes requesting that the unverified item be investigated and removed from my Equifax credit report. Every time this institution responds with the item is verified and the data furnisher is XXXX XXXX. I have reached out to XXXX XXXX on multiple occasions requesting information on if their establishment provided data or verified the information in question. Each time, their response to my inquiry was a resounding No. On XX/XX/XXXX, after speaking with a XXXX XXXX Customer Rep I was able to once again pull my XXXX XXXX consumer report. After Obtaining my XXXX XXXX report and reviewing the information, it was confirmed that Equifax had not conducted a proper investigation into my dispute. According to my XXXX XXXX report Dated XX/XX/XXXX page number # 2 shows that a security freeze has been in place since XX/XX/XXXX, and page # 47 of the same Lexis Nexis report shows no Bankruptcy under Section 9 Bankruptcy records. On XX/XX/XXXX, I sent another letter to Equifax once again disputing the information. On XX/XX/XXXX, I received a response stating that the information was once again verified and the data furnisher was XXXX XXXX. I have included pages 2 and 47 from my XXXX XXXX report dated XX/XX/XXXX, as supporting documentation to prove that a proper investigation is not being conducted and Equifax is continuing to report unverified information on my credit report.
Product: Debt collection

The credit agency Portfolio Recovery Associates after several request have not verified this account to me. I speak to them on the phone and they have no information they stated for me to speak to their attorneys. If they have no information on me then how are they reporting and verifying it to the credit reporting agencies? The credit reporting agencies claimed they investigated and the account is verified. I have no knowledge of this account and they can not and will not properly verify this account as belonging to me with a signed authorization of me acquiring this account. They have also brought a false Judgment against me for this account that I have no knowledge about. Please assist me. Thank You
Product: Mortgage

I applied for a loan modification with Wells Fargo Mortgage. I provided ALL THE DOCUMENTS they requested, and while waiting on a decision, I was informed the the final list of documents I sent, was recieved too late. Please note, the documents were faxed approximately one week after they were requested. Some were requested before, but we went back and forth, getting clarification on the required documents. So now, THE BANK DOES HAVE ALL THE DOCUMENTS, BUT STILL TOLD ME I HAVE TO RE-APPLY, EVEN WITH ALL THE DOCUMENTS SITTING IN THEIR OFFICE!!
Product: Debt collection

This is on my restart as a result as identity theft. Please remove this debt.
Product: Credit reporting or other personal consumer reports

Urgent Request for Immediate Correction of Inaccurate Reporting : Upon reviewing my consumer reports, I was deeply disturbed to discover significant inaccuracies regarding alleged late payments on multiple accounts where I have consistently made on-time payments. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required by law to ensure the highest level of accuracy in reporting consumer information. I have never missed payments on the following accounts : Accounts : 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 XXXXXXXX ) I am demanding an immediate and thorough investigation into these discrepancies, to be completed within four days, as stipulated by the FCRA. You are required to provide definitive evidence, such as detailed account statements, that support the claim of late payments. Failure to provide such proof within the specified timeframe will result in my demand for immediate correction, ensuring the payments are accurately reflected as on-time, in strict compliance with FCRA Section 611, which mandates both accuracy and completeness in consumer reports.

I have consistently honored my payment obligations on time and will not accept this error. Please rectify this issue immediately.
Product: Credit reporting

I have sent letters to the credit bureaus as well as the credit agencies asking them to remove these inquiries because I did not authorize them. I have not applied for any credit with the ones listed that have been circled. I have told them this numerous times and yet they refuse to correct this issue. I have asked for verification and they have yet to send me anything.