23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had my current VA mortgage sold to Freedom Mortgage for servicing and am being inundated with calls and emails to refinance. When I have constantly asked for my name and contact information to be put on a do not call list or restricted call list to not contact as I will not be refinancing my mortgage with Freedom mortgage ever. In a call on XX/XX/2020 @ XXXX XXXX the Freedom Mortgage representative acknowledged that they did not have my name or number on a list and if it was they do not check the list as they only make calls. I alerted the representative that I would be reporting them to the CFPB for constant harrassment and failures to abide by do not call lists
Product: Credit card or prepaid card

Hi, I have the American Express credit card that I paid {$450.00} for a year. This is my first year. I'm supposed to get 2 points for every dollar spent on the XXXX website. I've had the worst time getting my points. 

My last point given was in XX/XX/XXXX, for the months of XX/XX/XXXX and XX/XX/XXXX. I've had to call them in XX/XX/XXXX and they retroactively gave me points of those months. I didn't get points for XX/XX/XXXX and XX/XX/XXXX ( which I think I was supposed to get something like over 9,000 ). I called in XX/XX/XXXX. Was told the same thing, that I got my points in XX/XX/XXXX, which I had to explain to them again that the XX/XX/XXXXone was given retroactively for XX/XX/XXXX and XX/XX/XXXX. The manager asked me to do a three way call with XXXX to make sure that XX/XX/XXXX and XX/XX/XXXX was never gotten. I did and he made a note of it that I was never given credit for that. A month later I got a letter saying that they closed the case. I do get points here and there, but it's little ones like when I go out to eat or something. 

I traveled in XX/XX/XXXX but didn't bother using the American express card. I did however used it again in XX/XX/XXXX and XX/XX/XXXX for my travels and once again have received nothing. I have called a good six times since XX/XX/XXXX. Had to explain over and over that I have not gotten my points from online usage on months beginning in XX/XX/XXXX. The last two times I called I was put on hold for over 45 minutes then the phone died. The time before that, I was told theres a wait time of over 2 hours and that a manager would call me back, and no one called back.
Product: Credit reporting or other personal consumer reports

My XXXX loan account is on a forbearance, no payment is due while the account is being consolidated. My account is showing a past due amount due for the months of XXXX and XX/XX/XXXX. Please remove the negative credit rating from those two months. No payment is due on this account until XXXX XXXX. 

My account has never been late, I have never not paid. The account is on a forbearance please correct my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows account as open. 
XXXX shows account as closed Equifax shows a balance on account XXXX shows account as zero My credit is being inaccurately reported and this is affecting me negatively. 

Name : XXXX XXXX XXXX {$580.00} Date of last report is inaccurate Date of last activity is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax stated that the following account was verified XXXX XXXX XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits XXXX Equifax was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.
Product: Mortgage

I have sent a Notice of Error and Appeal to the lender, they have not responded and are moving forward with the foreclosure auction sale in violation of RESPA.
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 Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The following inquires that appeared on my credit report that i did not make and are Unauthorized, i requested from Experian for removal over and over again and they refuse to remove it. 

XXXX XXXX XXXX XXXX XXXX XXXX Card - XX/XX/2023 XXXX Card - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card - XX/XX/2023 XXXX - XX/XX/2023 XXXX XXXX  I do not recognize these lenders and i did not authorize to perform XXXX XXXX  XXXX  on my credit report by the provisions of the fair credit reporting act, i demand these items be investigated and removed from my report, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX you must complete this within XXXX  days
Product: Debt collection

This is a new complaint. I have requested a WET INK signature validation for this debt on XX/XX/17 via CFPB. I received a copy of a statement for an account that has yet to be verified by the WET INK signature requested. According to Tennessee state licensure verification, Portfolio Recovery Associates is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports. The amount for this debt in question is {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 make 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 1681 s-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 their information is inaccurate Someone needs to hold them accountable for this the credit bureau have no respect for the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to Experian 's completion of an investigation on report # XXXX completed on XX/XX/23. In its response, Experian stated that the company that reported the bankruptcy record has certified to them that the record is reporting accurate. Experian according to the attached disclosure from XXXX XXXX uses the information obtained from XXXX XXXX to be added to a consumer 's report. I have reached out to XXXX XXXX and they have responded that the record has been removed from my consumer report and their database the letter has been attached. I have attached a letter from the courts who stated that they DO NOT report to credit bureaus. This letter has been given to Experian on numerous occasions. Experian continues to report this record despite not validating or verifying its accuracy. I am demanding the removal of this record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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. 

1. ) Collections : XXXX XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$780.00} 2. ) Collections : XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$290.00} 3. ) Collections : XXXX. XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$630.00}
Product: Debt collection

On XXXX XXXX, 2018 I sent Resurgent Capital Services a debt validation letter by certified mail asking them to provide me with the following ... 
- Agreement with your client that grants you the authority to collect on this alleged debt. 
- Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
- Any insurance claims been made by any creditor regarding this account. 
- Any Judgments obtained by any creditor regarding this account. 
- Name and address of alleged creditor. 
- Name on file of alleged debtor. 
- Alleged account number. 
- Address on file for alleged debtor. 
- Amount of alleged debt. 
- Date this alleged debt became payable. 
- Date of original charge off or delinquency. 
- Verification that this debt was assigned or sold to collector. 
- Complete accounting of alleged debt. 
- Commission for debt collector if collection efforts are successful They failed to do so. In the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt they give up their rights to collect on the debt BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

Resurgent Capital Services has failed to validate this debt as they have not sent anything to validate the debt, the letter they sent just states they have initiated a review of the account which is not validating the debt. Under the FCRA and FDCPA it requires you to verify the validity of the debt within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of invalidated debt here as the debt was not properly verified because they did not properly validate the debt and I urge you to remove this item before I am forced to take legal action.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX. are negativley reporting student loans. Have been a student ongoing since 2016. Payments should not show negative as XXXX has corrected this ans sent correpondence to bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff, or that I am ( XXXX ) days late, on the US DEPT ED partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts are reporting a {$0.00} balance and {$0.00} due. I have paid these accounts IN FULL and therefore there is no outstanding balance to report as a collection/charge and/or late. Please keep in mind it would be impossible to be late on an account with a {$0.00} balance. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and these line items need to either be removed and/or updated to report correctly.
Product: Debt collection

I have made multiple attempts to retrieve documents of a loan file of a line of credit agreement involving XXXX XXXX XXXX XXXX which CHASE informally purchased in XXXX of XXXX. 
In XXXX of XXXX a straw man account made in my personage was created to borrow monies in which the borrower straw man inflated the value of the home, concealed the line of credit loan and benefited from the transaction leaving me with the debt that was informally purchased by CHASE.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC report with reference number XXXX. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. I also attached here a new FTC report with reference number XXXX. If you choose to not remove the inquiry listed below which are reporting inaccurately due to mistaken credit reporting, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the inquiry as it was opened without my consent or knowledge XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX -- -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit report data. I do not consent to E-OSCAR or any means of automated verification.
Product: Student loan

So apparently Navient was unable to contact me for half of my loans as I began paying off the other half. They always had my contact info and I thought all if my loans were consolidated. Then, they fold my loans to a collection agency that decided that after a few months of not being able to contact me, that they did a XXXX time doubling of my loans. I pay over XXXX a month for an associates in restaurant management which costs XXXX}. I have been paying for years and somehow still owe over XXXX}. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLAIM # XXXX EQUIFAX is in Federal violations in many counts and is liable for damages and remedy under 15 USC 1681n and 15 USC 1681o and i DEMAND remedy and legal proceeding. EQUIFAX has caused me tremendous harm in the form of XXXX, anger, anxiety, lack of sleep and focus, lack of motivation in daily routines and severe stress. EQUIFAX is not taking me the consumer, FCRA and the CFPB serious in this matter and I demand remedy.as I requested in my invoice
Product: Vehicle loan or lease

I've never been late on a payment and always paid extra. Eventually I realized that my additional payments were not being applied towards principal and called in to have it fixed. The rep told me she would fix it. Within a few days I got a certified letter saying my account was over 90 days past due and my car could be repossessed. I was also receiving repeated calls from Nissan about my " past due '' account. Apparently the rep had applied so much money towards principal that she immediately put my loan 90+ days past due. My credit rating has dropped over 180 points in 2 months. After numerous calls and numerous unkept promises, nothing has been done. While XXXX shopping I was asked to apply for an XXXX credit card to save 20 % on my bill. I was rejected on the spot. It was beyond humiliating. I'm old school and take my credit VERY seriously! I'm asking for your help PLEASE.
Product: Debt collection

I purchased a device without a contract in 2019. The charges they are claiming was for a phone line that was never activated.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 a account without my written instructions 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 item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 make any consumer report containing any of the following items of information or 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Received a statement and a debit card in the mail. Contacted Bank of America and they closed the account and cancelled debit card on XX/XX/2022. Just received a statement for my husband from Bank of America. Called again today. XXXX will have to call to close this one but while on the phone I checked on my information again. Another account was opened in my name just yesterday - XX/XX/2022. They closed this account. We were members of Bank of America over 5 years ago. All accounts were closed. Why are they allowing accounts to continuously be opened in my name? I closed the first one and informed them this was fraud. They should not have opened another one.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the XXXX  has violated my rights 15usc 1681 section 602h, my right to privacy along with 15usc 1681 section 604a section 2, publishing my information without written consent. The following accounts are collections XXXX dollars, acct number XXXX XX/XX/XXXX, which has been paid and never removed. The next two collections are each XXXX dollars, account ending in XXXX and XXXX, these have also been resolved and not removed. The last account is XXXX XXXX XXXX  acct # XXXX of XX/XX/XXXX, which is resolved, closed, and almost XXXX XXXX XXXX, the above 3 medical accounts even if they were not resolved, they are all below XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a dispute with Equifax regarding incorrect information on my credit report. On XX/XX/XXXX, I contacted Equifax to address the following inaccuracies. To date, I have not received a response from them. Please find the details of the disputed information and the necessary corrections below : The account under the name " XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$88.00} ) was never late. I kindly request that Equifax removes the late payment from this account. 


The account under the name " XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX XXXX {$240.00} ) was never late. I request Equifax to correct and update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX different hard credit inquiries have been submitted by an unknown person and without my authorization. 
The first one was submitted in XX/XX/XXXX by a company named XXXX XXXX. 
XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX A second hard credit inquiry was made in XX/XX/XXXX by Ally Financial XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have not apply for any loans, credit cards, or have authorized any credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Concord Financial - shows serious delinquency on credit report, but last reported information was in 2016. Account was closed and this is verifiable by the balance owed showing as XXXX on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account could not be verified or validated by XXXX XXXX store card. All information including SSN, Address, DOB and account numbers were provide in the request. 

Although they did respond they failed to satisfy the requested information for validation of the account. 

I am requesting this account be removed immediately from my credit reports. 

The original request is attached as well as the response from the company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of my account, number XXXX. This unsecured account, opened on XX/XX/year>, was paid off in full on XX/XX/year>, as evidenced by the attached screenshot. Despite this, my credit report inaccurately reflects XXXX negative months ( XXXX and XX/XX/year> ), showing a " CO '' status ( charge-off ), even though the account was fully settled by XX/XX/year>. The payment history and status should reflect the accurate information of " Paid in Full '' with no negative marks or late payments.