23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Fail to Send a Written Notice of the Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I WAS NEVER CONTACTED OR MADE AWARE OF THIS DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to continue reporting the disputed accounts without proper verification! I have been disputing these accounts on my Credit Report for quite a long time now by submitting dispute letters addressed to XXXX and TransUnion Credit Bureaus and informing them that I was a victim of identity theft. But despite all my efforts attempting to correct my Credit report, the Credit Bureaus have been doing nothing! I have read enough to understand my rights under the FCRA section 605b which is clearly being violated by the XXXX and TransUnion Credit Bureaus. Let me remind the Credit Bureaus of their obligation to comply with the FCRA statute. The following accounts resulted due to identity theft and therefore. I have also been asking for documentation bearing my signature to support the Credit Bureaus claims that the accounts I am disputing were mine but they have failed to deliver. I need the following accounts removed at the earliest possible time : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date XXXX Balance : {$15000.00} XXXX. XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$0.00}
Product: Debt collection

This company keeps calling me from a blocked number every day and then leaving a voicemail every single day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a hard inquiry on my credit report from someone I did not recognize nor ever did any buisness with its a fraud account open in my name.
Product: Student loan

I currently hold an FFEL loan which is serviced Navient. I began the process of consolidating the loan on StudentAid.gov ; however, the data furnished to the department of education is inaccurate. Interest rate on my loan is XXXX, whereas the data furnished by Navient to the Dept of Education says it is 4.88 %. The consolidated rate quoted by the department of education is 5 % which amounts to a substantial increase in my interest rate if I were to consolidate. I contacted Navient and they maintain their reporting excludes an autopay discount. This practice by Navient of reporting the higher interest rate prevents me and other borrowers from consolidating at a reasonable interest rate because the rounded-up blended rate quoted becomes much higher and discourages borrowers from taking sdvsntsnge of consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTRACT EXPERIAN ABOUT AN BANKRUPCTY ON MY CREDIT FILE, THAT EXPERIAN SAY THEY RECEIVED FROM XXXX, XXXX SEND ME A LETTER SAYING U DO NOT HAVE A BANKRUPCTY ON FILE WITH US, SO I SEND EXPERIAN THE SAME LETTER BUT THEY REFUSE TO DELETED IT OFF MY CREDIT REPORT.
Product: Credit reporting

I months ago signed up for a service provided by experian for XXXX dollars designed to help Victums of I 'd theft and uphold the law. We all know that service should be free. Regardless I have submitted affidavits and police reports along with proof from their own third party. Reporting system and IRS affidavits that this info is inaccurate and related to 10 years of Id theft. They have been impossible to deal with and I was told by experian people in that department that experian does not fall under the same law that the other XXXX CRAs do and that any part of XXXX of the FACRA holds no weight. I have sent deletion letters from those creditors and still they scoff. Please see attached files and their responses.
Product: Mortgage

I received a letter in XXXX 2015 stating my loan was being sold to another mortgage company. I called because I did not know what was going on. I was told the situation did not affect me in any way and that I did not have to worry about payments since it was autodrafted from my account. 
Today, I pulled my credit score and saw that I was 60 days late. Freedom Mortgage refuses to remove the late payment even though I told them I would pay the back payments. They refuse to remove it because they said they have tried to contact me via phone and mail. I have not received either. 
Companies buy and sell mortgages without thinking how it will affect the homeowner. I should not be penalized. I did call when I received the letter. This situation is just wrong.
Product: Credit reporting or other personal consumer reports

I will be taking XXXX, XXXX and transunion to arbitration Under Unfair and deceptive practices For seeming to do what ever they want with my consumer report including furnishing transaction history and experiences Which under 15 us code 1681a is excluded from your consumer report Credit bureaus also have been asked multiple times to provide the method of verification full documentation of what was used to investigate verified accounts, which they never did and are still holding accounts they never provided proof of on my Consumer report I am giving credit bureaus thirty days before I file a claim to take them to arbitration In three days of receipt of this notice to cure this consumer report also Remove All 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 XXXX XXXX XXXX XXXX XXXX XXXX If no refute of this notice is responded to in three days than this Agreement is accepted
Product: Credit card or prepaid card

Check fraud with XXXX XXXX Check ordering via SunTrust confirmation numbers XXXX and XXXX. I was informed that the checking account could not be verified. 
However, a withdrawal was made in the amount of {$100.00} on today XX/XX/XXXX with SunTrust to conceal fraud and consecutive SCRA violations ( civil penalty with the Social Security Administration for appointment scheduled on XX/XX/XXXX at XXXX XXXX ) with XXXX XXXX XXXX due to release of information. Also, the withdrawal was made with SunTrust upon knowledge of denial of legal services with XXXX XXXX due to slander of XXXX harassment by XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have a recording of the conversation from my criminal case with the City of XXXX back in XX/XX/XXXX. The recording will be presented at my next therapy session on XX/XX/XXXX at XXXX XXXX with XXXX. XXXX & XXXX fraud in the amount of {$2.00} million with SunTrust and XXXX XXXX. XXXX XXXX, XXXX XXXX 's XXXX, and XXXX XXXX XXXX XXXX ( Net worth is {$14.00} million, alleged report of {>= $1,000,000} is false due to investigation of fraud with XXXX XXXX ) have been bought out by my entity as sole proprietor of XXXX 's XXXX & XXXX XXXX due to income tax fraud in the amount of {>= $1,000,000}. Recall fraud with SunTrust for VIN XXXX. TCPA violation in the amount of {$250000.00} for release of false information due to knowledge of my stolen identity since XX/XX/XXXX. IRS and XXXX Patent infringement violation in the amount {$4.00} million. XXXX XXXX is the premise of the {$330.00} civil penalty with SunTrust due to using XXXX on XX/XX/XXXX to conceal life securities fraud with my maternal grandmother XXXX XXXX 's insurance with XXXX XXXX. My Underwriting Formal Disclosure was notarized on XX/XX/XXXX due to this financial deception. My Capital Leverage Report/UCC-3 Statement/XX/XX/XXXX Dividend History adjustment of .1 was notarized on XX/XX/XXXX due to this financial deception. The XXXX Dividend History adjustment of .1 was used for XXXX fraud with XXXX XXXX University.
Product: Credit reporting or other personal consumer reports

Account Details : Creditor : XXXX Account Number : XXXX This account has undergone multiple transfers of ownership, leading to confusion and, ultimately, the initiation of legal action against me by XXXX & XXXX XXXX XXXX However, I would like to bring to your attention that the case ( XXXX XXXX XXXX Case No : XXXX ) was dismissed with prejudice on XX/XX/year>. The dismissal indicates that no evidence was found to establish my ownership of the alleged debt. 

Given the legal resolution and dismissal with prejudice, I insist that XXXX immediately removes this account from my credit report. The lack of evidence supporting my responsibility for the debt is a clear indication that the reporting is inaccurate, misleading, and harmful to my creditworthiness. I kindly request that XXXX conducts a thorough review of the documents uploaded, it verifies the dismissal of the case with prejudice, and promptly removes all associated negative information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and i continue to notice unauthorized accounts and information and under Title 15 USC 1681a ( 3 ) you guys assumed this role without permission, and did not have my consent. Equifax did not respect my right to privacy pursuant to 15 USC 1681a ( 4 ). You did not exercise your grave responsibility, you were unfair. I have already taken the liberty to file a complaint with my attorney general. Equifax never had permissible purpose under 15 USC 1681b ( 2 ) I never instructed Equifax to furnish this report, and I never consented to this report. What I am demanding right now is that Equifax delete all these accounts and inaccurate information off my report.
Product: Credit reporting or other personal consumer reports

I attempted to finance a car. The XXXX XXXX with which I qualified for a loan attempted to perform a banking background check with ChexSytems. ChexSystems has a freeze on my account. I called ChexSytems on XX/XX/year> to request a pin in order to unfreeze my account. After XXXX weeks of not receiving a new pin, I called ChexSystems again to verify that they had mailed a pin. The customer service agent lied and told me that the new pin was mailed on XX/XX/year>. XXXX week later, or XXXX weeks after I called them initially, I received a new pin. That pin is now invalid. The customer service agent I spoke with second ( on XX/XX/year> ) invalidated my first pin and issued me yet another new pin. 

Today, on XX/XX/year>, I finally received the FIRST pin that was issued to me, but am unable to unfreeze my account due to the customer service representative issuing me a new pin on the 18th. First Class US Mail does not take 3 weeks mail one letter from XXXX, Minnesota to my Midwestern major city a mere XXXX hours away by car. I am unable to move forward with my auto loan, that will soon expire unless I am able to resolve this situation with ChexSystem 's freeze.

While waiting for my pin to arrive, it was necessary for me to rent a car on a weekly basis, at my own expense ( {$800.00} so far ) because of ChexSystem 's antiquated and ineffective system. The main 3 consumer credit reporting agencies have no problems with account holders utilizing techniques to freeze and unfreeze their own personal information without relying on snail-mailed pin numbers that never arrive. ChexStystems should be held accountable for their ineptitude and customer service that is so abhorrent, it is beyond the pale.
Product: Credit reporting

When credit bureau XXXX and transunion are pulled by lenders XXXX is my credit score. I have more than 10 year 's of established credit. Also, for some time now XXXX states that credit files split into two with that beingvsaid I have missing positive information on only my XXXX. I spoke to the office of consumer affairs and they advised me the credit splitting and not reporting years of established credit is an error with their database. Why should their error be at my expense?
Product: Debt collection

Unfortunately I do not have any dates, I do know they have called me more than the allotted 3 times per day. The last time I called the company to make a payment they refused the payment and threatened that my file was now being sent to an attorneys office if I did not pay the amount in full that day. I was on a payment installment plan with them when I fell ill and had to stop payments for a couple months. The refused to work with me after I was back at work, called more than the allotted times and now are placing attorney fees on me as well.
Product: Debt collection

I am filing a complaint regarding an account with Capital One ( Account Ending XXXX that was charged off. I have not received a 1099-C ( Cancellation of Debt ) form, which is required when a debt is canceled or forgiven and reported to the IRS. 

Despite this, the account continues to negatively impact my credit report as a charge-off. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide accurate and up-to-date information. Without a 1099-C or confirmation of cancellation, the continued reporting of this account as a charge-off may be inaccurate.

I also request verification of the debts current status. If the debt has been canceled or forgiven, Capital One must provide the 1099-C and ensure the account is updated accurately. If not, the negative reporting should be removed from my credit report.
Product: Mortgage

Mortgage company ( US Bank ) did not make real estate tax payment for XX/XX/XXXX on time, event though I have made escrow payments. It will now be late and unable to claim on XX/XX/XXXX race return. This is a considerable amount of difference of refund, almost {$2000.00}. They have informed that I now have to wait until XX/XX/XXXX to claim the real estate taxes on the XXXX, putting it a year behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are some hard inquiries Not made by me I have ask to verify with proof that I made those inquiries but Experian refused to do so. XXXX   and XXXX  graciously removed all inqueries not made by me. but Experian has not done the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. Its been over XXXX so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a XXXX XXXX XXXX was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting or other personal consumer reports

Please remove fraud alert from all XXXX credit bureaus ( XXXX, Experian, & XXXX ) account in order to obtain funding for homebuying shopping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a notification on XX/XX/2022 from my XXXX  XXXX XXXX XXXX alert that there was a new inquiry on my transition credit report " hard inquiry '' that i did not recognize. I checked my transition report on XXXX XXXX and there was an inquiry from a place called XXXX XXXX with ( miscellaneous ) after it. I do not know who/what this company is and i did not authorize anyone to pull a hard pull of my credit. I called transition and said that they have seen this from the company before and that there only number is an automated response. I was advised to file a report with the FTC and do send it to transition.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding complaint XXXX, Transunion advised there were able to verify a collection account on my credit report as being accurate via a third party. Their response was sent on XX/XX/18, but I received a letter dated XX/XX/18 from the creditor stating the information was going to be deleted. XXXX XXXX XXXX responded to my complaint and advised they are removing the inaccurate data from my credit files on XX/XX/18. How can Transunion report the data as accurate and updated? I don't understand the logic behind their response or their verifying process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report in XX/XX/2017 and noticed that XXXX XXXX XXXX.was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to XXXX XXXX, XXXX. I requested that they provide me copies of any documents proving my indebtness. See attached documentation they sent -- a document of which was merely created by them reflecting several entries, but nothing to substantiate their allegations. This is wholly unacceptable and further the documentation they sent reflects that the patient was not me. This inaccurate entry on my report is illegally reporting and does not belong to me. REMOVE THIS ENTRY IMMEDIATELY AS XXXX XXXX IS VIOLATING MY CONSUMER RIGHTS. 

I have no recollection of ever owing XXXX nor ever doing business nor receiving any correspondence from them whereby I signed a contract. The company should provide proof of all HIPPA information whereby I gave XXXX XXXX permission to allegedly share my information with them as well as copies of their adherance to the Affordable Care Act where there was a screening performed as well as a clear summary that spells out the financial assistance/charity care options available if I am indeed responsible for this debt. Further, where are the copies of the letter XXXX XXXX should have sent in writing first, to advise me that they were turning over this alleged debt to the a collection agency. Also per ACA, once the collection agency, in this case, XXXX, received the debt, they were still responsible for providing billing information and payment plan options to help satisfy this alleged debt. As stated above, I have not received anything from this company prior to the correspondence they sent in XX/XX/2017 responding to my dispute.
Product: Debt collection

An eviction was filed against me by XXXX XXXXXXXX XXXX in XXXX and that eviction was dismissed via XXXX XXXX XXXX XX/XX/XXXX I have supplied the proof of dismissal to the 3 credit bureaus and this item is still being reported on my credit report despite the information being inaccurate. I have attached the court records which state the item was dismissed with a XXXX  balance. This debt is negatively affecting my ability to attain credit. I have called and requested that someone call me from the agency and they refuse to resolve or remove this item. They continue to call me asking for someone else and when I explain that that person does not have this number and explain I requested a call back I am told that my account is still under review. I was told my original dispute was received in their office XX/XX/XXXX and to date it is sill under review????
Product: Debt collection

By the Grace of XXXX, I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement with XXXX XXXX XXXX. Police report and FTC report enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts multiple times with XXXX and they have come back verified and updated. The following accounts have been re-aged and according to the FTC, FCRA, it is illegal to re-age debt. Conns Account # XXXX XXXX Account # XXXX. XXXX is reporting a payment history in XXXX when this account was paid and closed in XX/XX/XXXX. The account also states that it is open when it is in fact closed. There should be no reporting after the date closed. Conns is reporting 20 late payments and the first major delinquency date changed to XXXX. This account was also closed in XXXX. Which means the date was changed on both of these accounts and the debt was re-aged. My next response will be with a lawyer as this is bringing down my credit score. These accounts are inaccurate and unverifiable so they need to be removed immediately. I have attached a copy of my drivers license and utility bill for ID purposes. I will also be reporting this to the FTC for failure to investigate properly.
Product: Bank account or service

On XXXX XXXX, 2016, I received a letter from XXXX XXXX XXXX that a check was presented for payment in the amount of {$110.00} from Global Client Solutions of XXXX, XXXX. I had just {$100.00} in the account so FCU returned the check and charged me a {$41.00} NSF fee. I have never ever heard of Global Client Solutions and did not write them a check or provide anyone with that name my checking account information. FCU did refund the NSF fee but I was forced to close my account since it 's obvious that someone has my check account information illegally. I want action taken against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns XXXX XXXX is reporting incorrect late payment to all 3 credit agencies. I have always paid my payment before the 30 day mark. The payments were due on the XXXX of each month. My last payment I made on XX/XX/2022 paid the loan off. I have late fees left to pay from where conns charged me late fees from the payments not being paid by their due date. They are now reporting these fees as 30 days late on my credit report. Again, all my monthly payments were paid BEFORE the 30 day mark so I dont understand why they are not reporting late fees to the credit agencies. If I make another payment before XX/XX/2022 towards their late fees then how are they now reporting these fees on my credit? Please advise. I can also send a copy of my contract if need be. Thanks!