23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collections company is trying to claim that I have medical services which I needed to pay for. The details of this case which is mentioned are illegitimate. I was under XXXX XXXX  when I was taken in for some type of XXXX XXXX or something. They essentially were trying to verify that there wasnt anything wrong with me & that I wasnt XXXX XXXX or had XXXX XXXX issues affecting my behavior. This is all I can remember about the details on this mentioned collection. The forced examination proved to show that I was in perfect health. So essentially it was a type of forced examination out of my control for no legitimate reason whatsoever. They found nothing wrong with me to validate their reasons for a forced examination & XXXX XXXX. I will never pay for medical services that are ever forced upon me ever, under any condition! For this company to try collect money from me for a service which was essentially fraudulent on every level makes them party to fraud!
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 confidentiality under 15 U.S.C 1681. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

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

15 U.S.C 1681c ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer reporting agency containing any of the following items of information, other than records of convictions of crimes with antedates the report by more than 7 years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or have a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I initiated a dispute with XXXX. One creditor shows incorrect dates as my first date of delinquency. I included billing statements and a receipt of payment validating my claim. When I disputed with XXXX it was instantly removed but after repeated attempts with XXXX and Equifax no change has been made. This was a joint account with my spouse and was removed last year from her XXXX and Equifax but not XXXX.
Product: Credit reporting or other personal consumer reports

I am deeply disturbed by your ability to undermine my confidence in the banking system. The banking system is dependent upon fair and accurate consumer reporting, pursuant to XXXX ( a ) ( XXXX ). I noticed accounts that are on my consumer report ; XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX FED CREDIT XXXX - XXXX - XX/XX/XXXX. XXXX XXXX Chapter XXXX Bankcruptcy XXXX - Ref # : XXXX Pursuant to XXXX. I am requesting to see in writing where I gave written instruction or permission to report this erroneous information on my XXXX Report. Experian is also the only company or bureau that has this information. A consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of XXXX. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to XXXX ( XXXX ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability. I have attached here my FTC report, ID, proof of address, and SS card.
Product: Mortgage

We originated and closed our loan in XXXX with XXXX XXXX XXXX. We took possession on XX/XX/XXXX. All our insurance for hazard and flood ( we are in a flood zone ), taxes, were all in the original escrow account. XXXX XXXX sold the loan after one month to Essex Mortgage. We received their statements with the correct loan amount and all insurance and tax premiums in the escrow account. 
After 10 months of paying the mortgage and escrowed monies we got a frantic call from our insurance provider, XXXX, saying our flood insurance premium was not paid and they had notified Essex two times with no response. I called Essex on XXXX XXXX and spoke with customer service and explained the flood insurance was almost expired. They directed me to their insurance department who refused to speak with me ... .they said I was not on the loan, that is a false statement as I am listed on the loan, but they did say there was not any escrowed account for flood insurance, that is false. I called Essex customer service back and told them of the issue with the flood insurance policy and the insurance department refusing to speak with me, and the policy almost lapsing and was told it would be taken care of. It was not, the flood insurance policy through XXXX would not extend the payment deadline. Again I called the Essex XXXX department who said they made a mistake but refused to make the premium payment in time to avoid a lapsing of policy. After repeated phone calls to Essex customer service who also admitted the error, but said again they could not make the payment in time ( they had several days to do so but refused to expedite it. Two hours before the flood insurance policy was to cancel my wife and I used our XXXX  money to pay the flood policy. We basically live paycheck to paycheck like most people so paying the flood policy was a huge financial burden for us ... .because we had been paying it all along in the escrow account that Essex said did not exist! Essex said they were sorry, they would correct the error and send us in writing the new process to cure the issue. That has not happened and Essex now says there is now a shortage in our escrow account and they are raising our mortgage next year. They have completely failed in their fiduciary responsibilities and are trying to illegally raise our XXXX XXXX payment for no reason. We need help against this mortgage company.
Product: Debt collection

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] IQ Data International Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX Subject : Debt Validation and Credit Report Dispute To Whom It May Concern, I am formally disputing the debt listed on my credit report under IQ Data International Inc., showing an open balance of {$4400.00}, last reported on XX/XX/XXXX. Additionally, I am disputing closed a

ccounts that may be inaccurately affecting my credit report. Request for Validation of IQ Data International Inc. Account : Under 15 U.S.C . 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting proper validation of this debt, including : 1. A detailed breakdown of the debt
amount.

2. A copy of the original contract with my signature.

3. Proof that you are legally authorized to collect on this debt. 

If you fail to provide this information, you must cease collection activities immediately. 

Dispute of Closed Accounts : I am also disputing the reporting of the following closed accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Closed on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( Closed on XX/XX/XXXX ) Under 15 U.S.C. 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), if these accounts contain inaccurate, unverifiable, or outdated information, they must be removed from my credit report immediately. If these accounts were closed in good standing, I request they be updated accordingly to avoid negatively impacting my credit score. 

Demand for Immediate Action : If you can not validate the IQ Data International Inc. debt, remove it from my credit report. 
If any closed accounts contain errors, correct or delete them as required by the FCRA. 
If you continue to report inaccurate or unverifiable information, I will consider legal action for FCRA and FDCPA violations, which could result in statutory damages of up to {$1000.00} per violation, plus legal fees. 

Please respond in writing within 30 days of receiving this letter. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to XXXX which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 1. Addresses : XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX 2. Phone number : XXXX 3. XXXX. XXXXXXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX Inquiry 11. XXXX XXXX 12. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus on inquiries that were not mine they said they cant take them off. they cant dispute them they remain for two year. this may be the case if I authorized those inquiries but I did not. they told me to contact the creditors pertaining to the in inquiries which I did. they said I have to contact the credit bureaus. so between XXXX, XXXX and XXXX I am getting the run around with no type of help
Product: Credit reporting or other personal consumer reports

I do have a XXXX XXXXXXXX XXXX XXXX with limit of {$10000.00} since 2021.Today XXXX at XXXX XXXX, received XXXX from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from Transunion. I attached that letter with this complaint. 
I did call XXXX XXXX XXXX XXXX at XXXX today XX/XX/XXXX and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXX XXXX to XXXX XXXX 
Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to XXXX XXXX XXXX Supervisor. When XXXX XXXX come online and when I ask him if he is Supervisor from XXXX XXXX XXXX Supervisor, he said No, he is just Supervisor above XXXX XXXX. He spoke with his manager and say that he will transfer to XXXX XXXX XXXX  Supervisor than put me in hold then after few minutes after he back and say he not allowed to transfer to XXXX XXXX XXXX Supervisor but transfer to his ManageXXXX XXXX XXXX. XXXX XXXX said that we do not have a XXXX XXXX XXXX Supervisor and I guess she misguided me and also said that I should call Transunion who provide them that credit score and that credit score bring my credit limit down to {$250.00} only from {$10000.00} to {$250.00}. 
Further XXXX XXXX, XXXX told me that she is highest rank XXXX to reach by the consumer like me to any issue. With XXXX  XXXX XXXX XXXX When I call XXXX XXXX XXXX XXXX, before XXXX XXXX pick up the phone, its automatic system informed me that all calls are tape. So, credit card company do have all conversation in tape, if they do not provide you, I did tape this phone conversation and glad to provide to CFPB. 
After suggestion from XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX Customer Service dept. I did call on her suggestion to call Transunion XXXX as it also provided in their letter. So I did call Transunion today XX/XX/XXXX and spoke from XXXX XXXX to XXXX XXXX and spoke with XXXX XXXX at Transunion. She mentioned to me in their records still showing the limit on this particular card is still {$10000.00} and suggested me if its reduced to {$250.00}, I can dispute with Transunion. She further mentioned that Transunion use XXXX XXXX XXXX and might bank use the average credit score of three credit Bureau not just Transunion credit score on XXXX XXXX showing XXXX as per credit card letter XX/XX/XXXX to me. I asked XXXX XXXX do I have right to dispute this with CFPB. So I dispute with both in this complaint. 


What is my credit XXXX on XXXX XXXX. Because XXXX XXXX XXXX XXXX decrease the limit from {$10000.00} to {$250.00} only on base of credit score obtained from Transunion was XXXX on XXXX XXXX.
Product: Credit card or prepaid card

I have a HOME DEPOT Card issued by Citibank. 
I have never used the card. There was a charge on the card in XXXX, or XXXX of 2019. When I received notice there was a balance on the card I contacted the Citibank and reported the card stolen, and disputed the transaction. This was more than 6 weeks ago. Since then I have called in on multiple occasions and keep being told that this issue is being worked on but could take 90 days. 
They are still charging me interest and applying late fees to the charge. Each time I call in I get transferred to multiple people. No one seems to be able to resolve the issue. I just spend hours of my time while they request my information and have me verify and verify and verify. Transfer from person to person with no resolution.
Product: Debt collection

XXXX XXXX dba midland credit wrote- threatened to take me to court, forced me to call them- then threatened me again pretending to be a lawyer. XXXX XXXX abused TCPA after telling me they would stop. The settlement offer was on XXXX well above the XXXX owed after purchasing the debt for XXXX on the dollar. They have refused settlement since- all offer must by law- remove debt or have contract stipulation of debt removal before anything will be paid out. XXXX of XXXX is less than XXXX. XXXX refuses this settlement. They will however, slander my name- XXXX fine per month minimum and refuse to pay that to me. Therefore debt is nullified by actions of XXXX XXXX and MCM/encore- who are now moving across state lines. I move to seize business assets of all related companies for th emoney they owe me in reverse debt challenge- due and payable immeadiately in amount over 20 million per company.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX approved me for $ XXXX in auto financing in XX/XX/XXXX. Ive over paid $ XXXX and have a remainder of $ XXXX. $ XXXX has been interest. Did not show on my credit report until XX/XX/XXXX & does not reflect my full payment history. It shows only principal payments. Additionally, Ive been denied housing over not having sufficient payment history on my credit report so it would have helped and is unfair it hasnt been factored in my score this entire time and that they are only having to report the balance.
Product: Debt collection

FAILED TO VALIDATE HAVE 3 DAYS LEFT TO DO SO!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out because XXXX XXXX has reported m as being 30, 60, 90 days late on Equifax, XXXX, and XXXX  for a payment that never showed in the phone app as being late.. If I was late on a payment or payment didn't go through ; that's the first thing that should show up when I open the app and not only was I not notified but It didn't even show me being late in the app. I spoke with a customer service agent earlier and explained that even if the payment was missed : which it wasn't The next payment was due two weeks after and the payments all come out automatically. Please explain why I would miss a {$20.00} payment that's auto debited on the day I get paid?? Other people have had issues with bugs on the app and I've had issues in the past. My payments should be updated to all of my payments being paid on time because this as a error on the end of XXXX. It's literally $ XXXX {$20.00} - I wouldn't go 90 days and not pay that small payment ; while making payments. I will attach a screenshot that shows all payments being mad eon time within the XXXX   app
Product: Debt collection

Someone stole my identity and opened a XXXX account which they never paid. They then resulted to opening an optimum account when their XXXX was disconnected. I have a police report which states the identity theft. I submitted it to optimum and they took the account off my record. However, I have submitted the police report to XXXX and they are still charging me for it. Now I have a collections agency named XXXX corporation on my credit file when this account was a result of identity theft. I have tried contacting the agency and no one answers. I have also tried contacting XXXX and I just get passed around the phone until I ultimately get greeted by a voicemail.
Product: Credit reporting or other personal consumer reports

The three major credit bureaus are contacting this company to verify an alledged debt. The third party is not verifying the debt, only personal information that verify the identity or a possible match of address, phone number, etc. This method is by no way verifying a debt. There has been no contract of any kind with my signature, name or stating that I have done business with the debtors.
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  BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Sections 602 A States I have 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 instruction 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 items 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Transunion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The account status, date opened, high credit, credit limit, last reported, date last active and date of last payment are NOT 100 % accurate. 

See pages 16, 17, 18, 22, 23, 24, 25, 25, 27 of the attached credit report as evidence. 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX This item should no longer appear on my reports as it is too old. 

XXXX Account Number : XXXX XXXX  Account Number : XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). 

I attached a consumer report as evidence.
Product: Credit reporting or other personal consumer reports

I sent my FTC report and Sate identification to Experian, XXXX and XXXX. They are reporting fraudulent accounts on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX has violated my rights. 

15 U.S.C 1681 s. 602A. States, I have a right to privacy.

15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the consumers written consent or instructions.

Transunion has violated my right by placing inaccurate information on my credit file. The about account is paid in full and was removed from the other two bureaus. Also the Two Year History is completely missing its information in turn making this information incomplete and invalid. Please delete this inaccurate information from my credit file immediately.
Product: Student loan

I am XXXX and trying to apply for a Total and Permanent XXXX discharge of my loans. I had my doctor fill out the form, I scanned it and emailed it to Nelnet as per their directions. A month later, they sent me a letter saying that they did not receive a complete TPD application from me. The letter said that they received the second page and were missing the first page. I double checked the attachment on the first email I sent and verified that I had sent the correct and complete document. I thought that maybe their email system did not recognize that there were XXXX pages, so I rescanned the document, and emailed it in response. XXXX month later, they sent me a letter saying that they received the first page but never received the second page. I double checked the second email I sent and verified that the attachment I sent had indeed both pages attached. I decided this time to send the actual document through the mail to Nelnet, as per their directions. Apparently, despite what they instructed consumers, their website is not equipped to handle XXXX page attachments. XXXX month later, ( XX/XX/23 ) I received a letter saying that my doctor did not complete the first question and the whole application needed to be redone. I opened the attachment of the scanned document I had mailed in, and I can see the first question filled out in my doctor 's handwriting. I feel that this is a matter of discrimination. I feel that Nelnet says that they will take care of all customers despite any difference that they XXXX have, but they are deliberately making this situation nearly impossible for XXXX people. I have 60 days to correct this issue or they will throw out my application. I called Nelnet and spent XXXX minutes on hold listening to an automated message before I was given any options. I entered my information 3 times and was told by the computer that there was no account with that information. I have been going through this since the beginning of XXXX. I am determined XXXX by the XXXX, but because my condition was at the time unknown, I must have my account reviewed by XXXX in XXXX years. This is why I have to go through this process for TPD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on 4 different occasions I sent a debt validation letter requesting alleged account and balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.The most recent request that I sent for validation was om X/XX/2017, X/XX/2017, and XX/XX/2017 each time I received an updated credit report stating the item was verified however there was no proof of validation