23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX is repeatedly calling my work. I have included a log of the calls received just in the last few days, I deleted the others. 

XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2900.00} DEPT OF EDUCATION/ XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/year>, I submitted a complaint through the CFPB addressed to your company requesting you provide me proof and validation of the debt you claim I owe. On XX/XX/XXXX, I was notified that you were still working on the issue and on XX/XX/XXXX, your final response was that my complaint was a duplicate. The said duplicate is from complaint XXXX. Which is where I informed you of the inaccuracies being reported and your response was as followed, Our office is in receipt of the complaint filed by XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that CCS investigated the disputes forwarded by the credit reporting agencies and determined the tradeline reported by CCS was accurate and complete. We have no reason to believe the credit reporting agencies did not forward the results of CCS investigation to the consumer. We trust this resolves your concerns. 

Due to this lackadaisical response that provided no information, no effort and no proof of ownership, I then submitted my XX/XX/XXXX complaint ( XXXX ), and requested the following information, not limited to but including : the amount of the debt, the name of the creditor to whom the debt is owed, the amount and age of the debt incurred, a copy of the original loan agreement that proves my obligation to repay, proof of assignment and proof of license.

As stated, this request is in accordance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) per 15 U.S.C. 1692g. Due to your inability to provide the said information for validation of the said debt, I am now going to once again dispute the debt and request for deletion. I really do not want to sue you for a debt this minuscule, but it seems that your company already fails to acknowledge proper legal protocol for me as a consumer. Cease your reporting and please delete this inaccurate trade line from reporting as a final notice as I have already been notified by the CFPB of my legal options and resources. Thank you. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023
Product: Debt collection

Keep calling my place of employment and speaking to others about my personal information. My company does not allow personal phone calls. They are threatening that they are going to send sheriff out to arrest me at my place of employment. They claim to be from a law office. He also told me he knows my social and could destroy me if I do n't pay over the phone
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The liftoff accounts below has violated my federal protected consumers rightist privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

An according to 15 USC 1681 EB they are supposed ensure this whenever a consumer reporting agency prepares consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

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

15 U.S.C 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Accounts : XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX 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, credit repair services, or other personal consumer reports

The collection agency XXXX XXXX XXXX has yet to discontinue furnishing inaccurate data to XXXX. I have never had an obligation to pay this company anything. My credit report has a comment acknowledging that this account was disputed but I have yet to receive any validation of this account that they are reporting. I am unaware of having a balance with the original creditor. The only account I've had with the original creditor is not the balance that is reporting on my credit report therefore I am asking for proof of this account or remove this immediately before I am forced to take legal action. I was involved in a data breach which I will attach to this complaint, so it is very possible that my information was compromised. Send me a copy of my ssn, photo id, proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties, contract bearing my personal signature -License proof to collect debts in my state and provide me of the amount of which the debt was purchased-Per the CFPB, I have this right as a consumer. If you can not provide ALL of the listed proof of validation then delete this account immediately.
Product: Credit reporting or other personal consumer reports

I am writing as a consumer to exercise my rights under 15 U.S.C. 6802, 12 CFR 1016.7, and 16 CFR 313.7. This correspondence serves as my formal request for EQUIFAX to show proof of the three ( 3 ) disclosures that are required to be provided to me as a consumer, pursuant to the previously stated statutes and regulations that gives my permission to report information to my consumer report. Upon EQUIFAXs inability to show proof of disclosures, I request to : Revoke any and all permissions I MAY have given EQUIFAX verbally, non-verbally, written, non-written, electronically, or non-electronically. I formally choose to OPT OUT of reporting the following accounts to my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As per the aforementioned laws and regulations, I expect EQUIFAX to : XXXX. Immediately cease reporting the above mentioned accounts to my consumer report. 
XXXX. Terminate all information sharing about the above mentioned accounts with nonaffiliated third parties. 
3. Inform me of the specific procedures you have in place to honor consumer opt-out requests, as required by 12 CFR 1016.7 ( a ) ( 1 ) ( iii ).

4. Comply with this opt-out request as soon as reasonably practicable, as mandated by 12 CFR 1016.7 ( g ). I expect written confirmation of compliance with this request within 15 business days.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against the credit reporting agencies XXXX, XXXX, and TransUnion, who have been reporting incorrect information in my credit history. These agencies have repeatedly shared a name and address that do not belong to me. 
My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX  XXXX XXXX, XXXX, GA XXXX. However, the reports issued by these agencies display a name and address that are not mine. This has caused confusion and potentially negative consequences for my credit and financial situation. 
I have attempted to correct this information directly with the credit agencies, but they have not made the necessary changes to my report. Therefore, I am requesting your office 's intervention to investigate this matter and take the necessary steps to correct the inaccurate information on my credit history. 
Please find attached copies of my Driver License, proof of address ( Utility Bill and Lease ), and mu current Credit Report from all three agencies. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Mortgage

I have complained 2 times before & the last time did not know if it went through. 
I have not been able to access my e-mails since XX/XX/XXXX.. I am scheduled for a summary judgement tomorrow & yet the mortgage company has falsely denied me a loan modification of which I a very capable of paying. 
This has been over 3 yrs & was with the previous lender- XXXX . then Nationstar became Mr. Cooper & they have FALSELY failed to apply all of my income & put false fees in with my expenses- I have NEVER paid self- employment taxes on my rentals. They lied & stated my application was incomplete & it was NOT. I filled out loan modification papers at least 7 times. They are deliberately denying my modification. They failed to apply my mortgage payments from XX/XX/2015 of which I made. I have lived at my home for over 23 yrs. & am XXXX & XXXX yrs. of age.I have done EVERYTHING required & never been denied a mortgage before & did 3 other loan modifications with another company & all has been fine.when I was ill a few yrs. ago. This all started with one late payment & now they have ballooned it to this point. I appealed the denial & they have ignored me. PLEASE HELP ME!!!! Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry and soft inquiry were both documented on my credit report on XX/XX/21 from Capital One. I have not nor did not initiate this inquiry on XX/XX/21. I was notified of inquiry through a credit monitoring service, then immediately contacted Capital One. They stated no new accounts were open but failed to respond to why an inquiry would of been done without my initiating it. After 3 attempts with Capital One, they referred me to the credit bureaus and I see the listed inquiry. I need it removed.
Product: Mortgage

After a week that I sent my Identity theft report and Wellsfargo Home Mortgage sent me a couple of return letters. One of the letter says that they do not find any fraud loan and the second letter saying that they need more time for them to investigate and they will let me know later on XX/XX/2022. This is repeated for a whole entire year now and I am not getting any straight answers or reimbursement any money to me yet. They suggested me to go to the branch to discuss the matter, so I did went to the branch on XX/XX/2022 and the banker advice me to get an attorney about the mortgage fraud case, because they wont be able to do anything.
Product: Credit reporting or other personal consumer reports

I'm in disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account name : XXXX XXXXXXXX Account number : XXXX In accordance with The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611, Subsection D, please provide the names and business addresses of each individual with whom you verified the account above with, so that I may follow up with them. Please send an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that appears to be incorrect or doesnt belong to me.
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After doing several disputes with XXXX, XXXX, and Transunion. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX XXXX. All three failed to do an investigation before reporting false information. XXXX XXXX failed to respond several letters
Product: Mortgage

XXXX XXXX XXXX XXXX bought my loan from XXXX XXXX XXXX. Before XXXX XXXX XXXX took over my loan I never had a problem. 24 years on time posted payments.. Now they are claiming that I missed payments. I explained my bank shows all were made on time through an Ach and cleared. Still after submitting more documents from my bank they claim they do not have payment for XX/XX/2018. This is ridiculous dealing with this company.. They dont know how to post payments and want the consumer to figure it out for them.. They even hit my credit score.. I have not missed a payment and all submitted bank records show it so.. What do I do?. This company should be severely fined by the banking regulators.
Product: Payday loan, title loan, personal loan, or advance loan

I have had a line of credit with Grain since XX/XX/XXXX as reported on my credit report. On XX/XX/XXXXXXXX  I attempted to login to the app and I received the following message : " Our system reviewed the identification details you provided and are unable to confirm your identity, as such were unable to onboard you at this time. 

Our inability to onboard you was not based in whole or in part on information obtained in a report from a consumer reporting agency and no credit score from a consumer reporting agency was obtained and used in making our decision. A consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied to onboard you. 

Our inability to verify your identity was based in whole or in part on information obtained from an outside source other than a consumer reporting agency, which was not acting in the capacity of a consumer reporting agency. 

Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is : Office of the Comptroller of the Currency, Customer Assistance Group, XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX. '' I can not access the application to make a payment due to this message. Also, Grain, has not asked me to provide any proof of my identity and will not let me make a payment on the app or provide me a statement of the balance owed. Their phone number is just a recording with no option to speak to a person. Their support has not responded via email either.
Product: Debt collection

This Item has been deleted from the other two credit bureaus such as XXXX and XXXX because this debt is not been validated or verified by MS services or by the original creditor XXXX XXXX XXXX XXXX even after I attempted to validate by asking for a statement or original contract bank states account is too old and they don't have that document. And MS services keeps adding interest to the original balance that has not been verified.
Product: Credit card or prepaid card

On XX/XX/2022 i purchased 2 garment bags from macys- using their credit card. On XX/XX/XXXX they claimed the items were delivered to me- they were instead delivered to a store. On XX/XX/XXXX i called Macys customer service and requested a refund and they agreed to a refud. On XX/XX/XXXX Macys emailed me denying a refund for the items- claiming it was delivered to me. The merchandise was never delivered to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an account with XXXX XXXX that started in XX/XX/XXXX. I made a payment onXX/XX/XXXX confirmation # XXXX and they never took the money out of my account and then hit my credit with a late mark. 

I have attached a letter from my bank stating that they never tried to take money out of my account in XX/XX/XXXX and that my bank never declined a payment to XXXX XXXX. I never changed account numbers or anything and I made payment from the same account I have saved online. 

This error is not on my part, it is on XXXX online system and I feel it is unfair to hit my credit when it is a mistake on their part. Please remove this mark from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Third party re [ orts incorrect credit FICA score- es and the Price You Pay for Credit Your Credit Score Your credit score XXXX Source : Clarity Services, XXXXDate : XXXX This is on ongoing problem becuse third parties NEVER have complete correct data. This caused me financial hardship!! ONly aa suit will suffice!
Product: Credit reporting or other personal consumer reports

We have send all documents over and over And they always add an excuse to make thing harder for consumers. They al ways have all the information then they ask do writer recuest and they they have it and ask for more and have consumers in the same game for over years. 

Just need this fraud account block from my credit reports