23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Texas repossession laws state the vehicle can not be sold within 10 days, the car was taken on XX/XX/XXXX in the middle of the night on a holiday weekend when calls couldn't be made to make a payment and when account was removed from the app, taken from repo lot on XX/XX/XXXX, sold on XX/XX/XXXX all without a notice of intent provided. I was told it was sent on through certified mail on XX/XX/XXXX, Today is XX/XX/XXXX and I still have not received anything. The Deficiency and surplus letter were not provided to be after the sale, and I was told on XX/XX/XXXX it was mailed out through certified mail on XX/XX/XXXX. Again, I have not received either of the two and I called and stated that on a recorded line. They would have confirmation that I received it through tracking, or it gets returned to sender according to the post office. The vehicle sold for XXXX and that amount was applied on XXXX, leaving a remainder of XXXX. Why was I asked to pay XXXX in full by the XXXX XXXX XXXX auction lot to receive my car. XXXX XXXX XXXX XXXX, last 6 of XXXX # XXXX. I was only offered one solution by the charge off department, and that was to do a sales hold of XXXX, XXXX dollars, a max of two times. That was only offered after it was at the auction and that just prolongs the hold. I believe there was never an attempt to collect past due, they cut corners to get the car back. I have documentation from the credit bureaus stating the XXXX past due reported was 90 days. If they do not report correctly, how I am to trust this? The bridgecrestXXXX XXXX company doesn't state this, and I spoke with XXXXXXXX XXXX XXXX Compliance specialist at bridgecrest on a recorded line on XX/XX/XXXX at XXXX XXXX, she stated the account was charged off at XXXX XXXX on XX/XX/XXXX due to being 126 days past due, then I was told Text and emails are a courtesy, and a phone call is the most accurate way to communicate. The app is where customers pay, and should have the most up to date, real time info, unless they are trying to hide something. This has impacted my family greatly ; I am unable to get to and from work without my vehicle and obtaining a vehicle with the false information on my credit is hindering me from getting another vehicle. They keep reporting on this account even though it was charged off on XX/XX/XXXX. I made a complaint earlier last month and they attempted to update the info but it's still incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Orginally I had an   XXXX   XXXX   XXXX    (    XXXX   XXXX    spinnoff ) with credit limit of {$800.00}. The bank reduced my credit limit several times without notification until I asked for the notification. The company stated they can reduce my limit if they choose. When my  credit score went up they reduced my limit which brings my score down. I h ave kept a   XXXX    balance on the card per month and I think because they are not making money off me this is the case. I see several complaints of this on the  XXXX  user board.     We bailed out this bank and this is how they treat us?
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a full investigation and debt validation on this collection, XXXX XXXX, but I am still receiving the same response ; the account " verified '' but they do not provide VALIDATION AND PROOF OF CLAIM. Even I do not receive ANY communication from Collector notifying about this debt. Also the Debt Collector illegally report this alleged debt to credit bureaus without following the procedure establish in FDCPA regulations. 
The credit bureaus, XXXX and Equifax, and the Debt Collector ( XXXX XXXX ) are violating the law, under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

I been trying to solve this problem for some time with your agency and the corporations you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). I attached the credit report for account XXXX to show the discrepancy in payment history reporting to the credit reporting agencies. How can each bureau report different payment history for the same account? I am a litigious consumer meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. These items should be deleted immediately per FCRA guidelines : XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  will you send me a copy of your Companies legal compliance procedures as to how you are suppose to legally note a credit report after conducting a proper investigation I know you failed to enter the remarks after reviewing the FTC website and The FDCPA youre marks should read consumer dispute meets FCRA requirements. 

If you look at XXXX report they entered the note correctly for their company policy and their company purpose only I open a dispute with them they noted the account consumer dispute reinvestigation in progress This does not apply to you I have to give XXXX credit for following the law and doing whats right! 
Experian XXXX DO NOT show that any investigation have every been conducted by your company remove this for fcra violation The law requires you to enter consumer dispute meets FCRA requirements with in 30 days of a complete investigation send me proof that you fail to follow FDCPA which automatically put you in violation delete today
Product: Credit reporting or other personal consumer reports

inaccurate info and against 15US code 1681 ( e ) and 15US code 1681 ( i ) charge offs remains on my credit profile after being charged off by original creditor. Also 15US code 1692 ( g ) collections remain on credit profile.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX XXXX XXXX that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Credit Reporting Agencies to remove the fraud alert and/or security freeze placed on my report several years ago. I contacted XXXX and spoke with a representative that stated that request to remove was done ; contacted TransUnion and spoke with a representative that stated the request to remove was done ; contacted XXXX ( no representative available, only automated system ). I tried to use the prompts but when the call ended the XXXX system stated that a fraud alert would " placed '' on my report and that they would notify the other two ( 2 ) reporting agencies. I need that the security alert and/or fraud alert be " removed ''.
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  X/X/17   , I emailed  the Executive office from Equifax about inaccurate information on my credit report. The Executive office emailed  me on  X/X/17    to try to r esolve the issue. I explain to the Executive office that I have an fraud alert on my credit report and I have submitted an police report. I have disputed many items on my credit report that was not authorize by me. I also disputed the bankruptcy on my credit report. I have spoke with the Federal court a bout them verifying bankruptcy on my credit report ; I was told by the court that they never verified any bankruptcy for me. I do n't know what kind of system these credit bureau use to verify information, but it is not accurate. On yesterday I received my update credit report, which the bankruptcy was deleted from my file. I loo k on   XXXX   XXXX   thi s morning and my score has dropped  XXXX  points, because Equifax has decided to add the bankruptcies back to my credit report. I have already spoken with the  Federal Court about verifying and the court stated that they never verified anything with the Equifax about bankruptcy. I need Equifax to resolve this issue, because if not I will hired an attorney to suit Equifax for not verifying acc urate information with the creditors.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On around XX/XX/XXXX XXXX XXXXl Services Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my XXXX XXXX and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and XXXX XXXX 
XXXX administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that XXXX XXXX XXXX contacted XXXX and deleted the negatives on my credit report on XXXX XXXX. 
I have a XXXX XXXX of XXXX on XXXX 

Respectfully Prestige has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX Lifetime and XXXX.I am a XXXX XXXX XXXX XXXX XXXX.
Product: Mortgage

In XX/XX/XXXX, I purchased a home. Franklin American Mortgage Company financed the mortgage loan. They disallowed me from utilizing {$15000.00} of XXXX XXXX  XXXX financing, based on a bylaw which deems community secondary financing ineligible. We had received {$10000.00} in the settlement office from the Vacants to Value program which provides funds for first time residents of previously vacant homes. The lender did not allow this money to be used in our deal. We had an active application with the Community Development Block Grant ( CDBG ) Homeownership Assistance Program for {$5000.00} for income-eligible city residents who are first time homebuyers. The bank considered these funds as community second financing because they are structured as forgiveable loans. Such a bylaw counters local efforts for community revitalization and homeownership and is discriminatory against homebuyers in minority populated, low income areas in need of community stabilization. <P/>XX/XX/XXXX: Began working with mortgage broker referred by real estate agent. Informed broker about intention to utilize community funds for financing our purchase. <P/>XX/XX/XXXX : Sent relevant documents to broker for loan approval XX/XX/XXXX : Sent relevant documents to broker for CDBG and Vacants to Value program applications. Applications required lender information. Broker informed me the grant applications would be completed and sent in on Monday, XX/XX/XXXX  Received loan package documents from XXXX XXXX XXXX XXXX XXXX of XXXX, MD ( acting in conjunction with Franklin American Mortgage Company for home financing ). Signed and returned. <P/>XX/XX/XXXX : Informed of conditional loan approval. <P/>XX/XX/XXXX : {$10000.00} issued to me from Vacants to Value Booster Program and sent to settlement office. Documents explain grant structure as 5-yr forgiveable loan. <P/>XX/XX/XXXX : Informed of inability to utilize community seconds for financing based on underwriters bylaws. Broker forwarded me language from the banks guidelines which was provided by email by Franklin American Mortgage Company Senior Account Executive for Maryland. <P/>XX/XX/XXXX : CDBG grant coordinator confirms structure of CDBG financing as a 5-year forgiveable loan. <P/>XX/XX/XXXX : Closing date. No public funds were used in home financing. Check issued by Vacants to Value Program was returned.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

LVNV Fundling LLC I do not nor have ever had an account with this company yet they are reporting from XXXX on my credit report. I have made repeated attempts for debit verification to no avail. 

Requests were made in XXXX and XXXX of XXXX for verification and proof the account is mine.
Product: Debt collection

Both Credit Control LLC collection agency and XXXX are reporting inaccurate information my credit report. Previously dispute this account for incorrect debt amount.
Product: Mortgage

We chose to pay down our mortgage in XXXX over several months, principal amount was {$45000.00} in XX/XX/XXXX. On the XX/XX/XXXX statement, our principal was {$710.00}, so we paid that amount, even though our monthly payments were {$870.00}. Meanwhile, the payoff statement sent from XXXX was incorrect, so we requested a new one. The new closing statement sent had a XXXX  day window to send a wire to pay off, however, we were out of the country, so when we finally saw it, it was too late. We called XXXX for a new one, which we never received so we ordered XXXX online, received that and wired the amount to close out the loan. 
Back to our last payment of {$710.00}, for the total amount outstanding on the loan : XXXX sent that back in the form of a check, then charged us late fees for non-payment of our mortgage. XXXX then reported us to credit as having not paid our mortgage payment when all the while we were trying to work with XXXX  to correct the disputed payoff statement and pay that. 
BSI has told us on XXXX separate occasions that they will refund us the late fees totaling {$87.00} associated with not making a monthly payment. So far nothing. 
I submitted a request that they report to credit that our payment wasn't missed. I was told they will " consider '' it. 
In summary : 1. There was a failure by XXXX  to submit to us an accurate payoff statement 2. While our payoff statement was in dispute, XXXX charged us late fees, reported us to credit, saying that we didn't pay the Payoff Statement amount in XXXX  days. 
3. We now have a non-payment of mortgage on our credit, which XXXX " might consider '' reversing, and paid late fees which we didn't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

XXXX  : XXXX XXXX XXXX  XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information.Any other adverse item 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 any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Aargon Agency Inc of XXXX XXXX, NV XXXX has placed an account from XXXX XXXX XXXX Hospital in collections and on my credit report without providing me with written notice of the debtor 's right to dispute or of the account in general.
Product: Credit card

The creditors is reporting inaccurate information in XXXX XXXXXXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My First & Last name are as follows : [ XXXX XXXX ] My Current Street Address is as follows : [ XXXX XXXX XXXX XXXX SC XXXX ] After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

My current address is : [ XXXX XXXX XXXX XXXX SC XXXX ]
Product: Credit reporting or other personal consumer reports

Contacted this company not only requesting my Consumer report, but also requested this company to place a freeze on my file to which I sent them in my Pennsylvania identification card and my electric bill as proof of identity and address. I received a response stating I need to sent in documentation to proof identity and address to which I already sent the requested information in. This company is using Deceptive practices to Circumvent the law and consumers rights under the FCRA such as the right to know whats on your report and the right to dispute inaccurate and incorrect information if it exist.
Product: Mortgage

I have had this mortgage for in excess of 10 years. I have never missed a payment. 
My payments are scheduled to come directly from my checking account one or two days BEFORE the first of the month in which it is due. I have been harassed by collection calls to my place of employment. I believe that this practice is illegal. I have tried to reach someone in the company who is not just a collector to no avail. I have requested documentation or statement of how they think I am delinquent. All of these requests have been ignored. I am attaching a letter from my bank showing payments made from XX/XX/XXXX through XX/XX/XXXX. I could also provide statements for payments made from XXXX through XXXX of this year. 
I would like to add that after the first few collection calls, I was convinced that this was a scam. I couldn't reach anyone in a responsible position and they only tried to contact me via my work phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting

On XXXX case # XXXX was opened with the CFPB against XXXX XXXX XXXX. XXXX XXXX failed to respond after more than 60 days. This is longer than the 30 days permitted by Federal Regulation and the 45 day response time allotted by the CFPB. In accordance with federal regulations, each credit reporting company must immediately and permanently remove XXXX XXXX XXXX account # XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

" In light of recent investigations brought upon Equifax, I find that my consumer file is beingXXXX, XXXX irresponsibly tampered with. Over the past **4 years* | have made several attempts to remind you of your duty pursuant 15 USC 1681 . It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this call as another attempt to have these errors corrected on my consumer report. 15 USC 1681 ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. You can see in32 vour system that this account was previously disputed without being thoroughly investigated XXXX not be vaifelor validated. ''
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX is attempting to collect a debt that is not a valid debt. Genesis Credit Management provided a lease contract in the attempt to validate a final statement provided by XXXX XXXX/ The XXXX. The final statement provided by Genesis Credit Management is not signed and does not have a date associated with " XXXX '' stating when the amount was originally billed as the other line items clearly are shown. In addition, the " final statement '' shows the person named should be paid the amount of the remaining balance. The document clearly states Pay to : XXXX XXXX XXXX. Furthermore, I have provided a rental report provided to the credit bureaus by XXXX XXXX/ The XXXX reporting on XX/XX/year> the account is Closed, paid as agreed with a Zero-dollar {$0.00} balance. Provided the documentation submitted this attempt to collect a debt is not valid and should be removed immediately from all primary and secondary reporting agencies.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am concerned about the inaccuracies and compliance deficiencies in the credit report I received. The FCRA section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting. I would like you to investigate this issue and provide me all available details on how it came about. With the potential for data integrity issues if these standards aren't followed, it is a serious matter that needs to be addressed. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX
Product: Payday loan

Should be marked as other. Mainly, Sands Recovery is a debt buyer who has chosen a path of purchasing debt accounts without properly validating such debts. There is no debt here, no chain of title back to the lender. It is unclear if they sold the debt or assigned it to a separate company for servicing. Sands and XXXX XXXX XXXX should be looked into for not validating the accounts prior to selling to the next entity.