23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband and I divorced XXXX/2019. We did not accumulate any debt together. First National Collection Bureau XXXX has been harassing me about a debt belonging to my ex husband. In my divorce decree we listed our creditors. I do not have an account with this company nor have done business for this company to contact me and harass me. They have left obscene messages on my personal phone. They stated they are attempting to collect a debt which is a violation. I am not who they are looking for yet they have violated me by telling me my ex owe a debt. That is not my problem it is a their problem. I have ask a representative not to contact my phone bc by law my ex husband husband is legally living separate lives.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$4500.00} XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019 15 U.S.C, 1681section 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, 1681s-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.
Product: Debt collection

I entered into an agreement with Schreiber Law to resolve a XXXX account. The agreement was for 12 monthly payments. On the XXXX payment, made in XXXX of XXXX, Schreiber Law applied the payment to another account in their office, which they allege is mine. 
Each month when I send the XXXX payment I include a letter stating that the payment is for the XXXX account and I include the last 4 digits of the account number. I never authorized Schreiber to apply the payment to anything else but the XXXX account, as agreed. 
I received email communication from XXXX XXXX at Schreiber, on XX/XX/XXXX stating " I am looking into this and should have an answer shortly. I think I know what happened and it was through no fault of your own. I will remediate this. '' That was the last communication I received from Schreiber on this issue that they clearly caused. I followed up with Attorney XXXX via email on XX/XX/XXXX and XX/XX/XXXX, with no response. I called Schreiber on XX/XX/XXXX and was told Attorney XXXX was not available to discuss the issue. 
Additionally, XXXX has continued to send me letters stating that I am behind in my XXXX payments. I have copies of each check that they have cashed each month. I have held up my end of the agreement and continued to make the monthly payment in XX/XX/XXXX, and I will be making the last payment of the agreement in XX/XX/XXXX.
Product: Debt collection

A collection account was added to my crediti report. I sent a certified letter asking for verification. I was sent verification with an amount owed with interest. Later I sent a letter certified mail trying to pay the bill and never was sent a response. Also the amount being reported is not the same on the verification letter.
Product: Debt collection

This collection agency is trying to collect a debt I do not owe They refused to verify the debt and send a right to dispute the debt. The company has provided a fraudulent address to the credit bureaus.
Product: Prepaid card

Was being double charged for purchases and the balance did not reflect the purchase
Product: Credit reporting or other personal consumer reports

i have continuously been trying to resolve this issiue with experian.com membership and i order all 3 credit burues and charge me for the product but they only deliver experian and XXXX  but does not give me the report from XXXX from the experian.com website i have called many times trying to get this resolved but they dont seem to understand me at all.
Product: Mortgage

I called up my mortgage company back in XX/XX/2017 because i wanted to get an appraiser to show my LTV is under 80 % so I don't have to pay a PMI on top of a high monthly mortgage but they did not let me. They said the only way to to take off a PMI was to give them like {$50.00}. I did not pursue it because I did not know about the CFPB. I just found out about it today when I sent in a complaint with the CFPB because my mortgage company charged me PMI twice in 1 month. I never look online so I would have never noticed the charge and for all i know i could be charged every month 2 times without my knowledge. I only looked online because my mortgage company sent me a letter in the mail a few days ago that my mortgage is going up from {$3300.00} a month to {$4700.00} and I called to complain that how in the world can you send such a letter raising my mtg 40 % from 1 month to the next month without some type of information how I can get help to pay such a high mortgage. Why am I putting my trust in a bank that does not understand the consumer. Are they willing to take off the PMI perhaps? NO, they are not but they are definitely willing to charge me a PMI twice in 1 month which i just happened to catch them doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : RS Clark and Associates # XXXX balance {$51.00} 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

SENTRY CREDIT INC # 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 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 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: Mortgage

I reached out to PHH mortgage services in XX/XX/2022 to get validation for the alleged amount stated on a statement sent to my homestead property. As stated under the FCRA I have the right to request this information and receive a full disclosure. I am exempt from forced sale or XXXX. PHH Mortgage Services has sent me an unjust default as well as a threat to foreclosure on my homestead property. PHH Mortgage Services has not validated or verified any information requested within the RESPA time frame. This is very unjust and wrongful PHH Mortgage Services has furnished fraudulent claims against my consumer reports. XXXX Mortgage XXXX has not responded to my request in a timely manner nor validated the information that I requested pursuant to 15 USC 1692g,15 USC 41 consumer protection, RESPA, FCRA and TILA. How could they ignore my request and place my account in default and force me to foreclose. As a protected consumer fraudulent practices are a violation under state and federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months, I have been attempting to have a collection item removed from XXXX  XXXX  that has been reporting on my credit report. 

I have never had an account with XXXX and I do not know why it continues to show up on my credit report. 

I have tried disputing this information with XXXX XXXX themselves and they first provided me with an unknown name and address on the account. They admitted that the only thing that matched on the account was the last XXXX of my social. 

XXXX refused to stop reporting this information to the bureaus, so I then reached out to Experian ( Account # XXXX ) and XXXX ( Account # XXXX ) to dispute it with them. I explained to them that I have never had an account with XXXX and I asked them to provide proof that this debt was mine. 

Neither Experian or XXXX ever provided me with proof, but they both came back and stated that it was verified. 

Because of this deliquent account on my credit reports, I have been denied for a home mortgage, and I also have incurred higher interest rates for other credit cards I have since applied for. 

When I called and tried one last time to have this item removed from my credit report on XX/XX/2022, XXXX XXXX made me pay them {$210.00} and after I made the payment during the phone call, they blatantly told me that they refused to stop reporting the item to Experian and XXXX - even though they had just forced me to pay {$210.00} for a debt that was never even mine. I have this phone call recorded and I am happy to provide a copy of the call and blatant violation upon request. 

Having this fraudelent item on my report has cost me XXXX  of dollars and so much heartache, and I demand that it be removed from Experian and XXXX and I also demand {$1000.00} compensation for the FCRA violation that all three of these consumer reporting agencies made against me when they KNOWINGLY continued to report false and fraudulent information on my credit report ( and not providing a single piece of proof that this debt ever belonged to me ). 

According to 15 USC 1681, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater
Product: Credit reporting or other personal consumer reports

I received an email from XXXX XXXX XXXX XXXX wit

h regards to my account with them. They have lowered my credit amount for no good reason. I have always paid them on time and had over {$1100.00} or more dollars open with them on {$3500.00} credit line. 

I guess these bad actors look at credit reports and then determine without a truly good reason what types of actions are taken towards their customers. Thats all well and good when it is deserved. In my case it is not.

Their reasoning for this is that I have high balances on other cards.

Well, hello!!! that is what credit is for. I pay my bills on time every month often make more than a minimum payment and have several cards with underutilized credit amounts. 

By taking this action against me for no good reason it will lower my credit score and make it more expensive for me to get credit going forward.

I am being judged unfairly here and action needs to be taken on this company for doing so.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Debt collection

My identity was compromised. As a result I have been a victim of ID theft. There was vehicle purchased totally on line, delivered to an address in a state I don't live in nor have never lived in. It did not match my Drivers license or any info given to this online lender. They are the ones who told me this on the phone. They have taken possession of the vehicle, sold it at auction and have reported this on my credit bureau with XXXX XXXX. I have submitted all the required Information they requested to have this removed and they still havent done anything other than try to collect on an account they know they should never have opened none of the information matched me or my credit file. AS a result they are XXXX me all over. I am in the process of obtaining my first home loan. The mortgage company can not give ma a loan even with PERFECT credit expect for this one open charge off. I have told them this and nothing is being done.
Product: Debt collection

I have sent the attached documents to verify debt. Creditor has not provided. Also sent attached letter to all credit bureaus and XXXX has been the only one to fail to respond and take action. Allstate  never followed Fair Credit guidelines. Still not following.
Product: Credit reporting

I cited my rights under the Fair Credit Reporting Act and asked Capital One Bank to provide me with full details regarding the proper timely billing of my credit card account. I asked them to provide proof that they billed me on time and that my payments were in fact late. Capital One ignored my request and insisted that they were correct in their billing efforts. Attached to this complaints are the letter that they issued in response to my request and the certified mail receipt dated XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, 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. 
XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove these charge off, from my personal profile. A copy of my Bank statement, drivers License, and W9 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Bank statement, drivers License, and W9 for my Social Security Number as verification of my ONLY address.
Product: Debt collection

On XX/XX/XXXX someone took a loan out for XXXX on affirm to buy something on XXXX thats all I can see on my account I didnt notice this until XXXX when I had a charge to my card from affirm and I never made that purchase I called XXXX and they told me someone had my affirm information on a different XXXX account other than my XXXX account I told them that wasnt me and asked them if they could send me proof that I was not the one who made that purchase they told me they can only send me my own accounts purchase history so I sent that to affirm and they said thats not enough information Ive called affirm 8 times trying to get this figured out but they keep saying their is not enough evidence and say I am responsible. Im not paying for something I didnt buy or receive. I just check they said they had information on why I am responsible all they have is that my affirm account made that purchase. Affirm had to be run by a bunch of toddler if my affirm account information was taken of course its going to say my name.
Product: Debt collection

called me yesterday from a local number when the company is an out of state company told me I ether had to pay in full to day or start my monthly payments this month told them I could not start till a week from Friday and was told id have to pay in full today or pay in payments XXXX times a month with no other option it is to be believed the company is a scam company website looks fake called me from a local number when there out of state in Florida
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. # XXXX, # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these account However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 or other personal consumer reports

XXXX XXXX XXXX admitted to making a mistake after my account was closed 1 year later. One year after the account was paid in full, the company sent late payments to the bureaus. I called the company and the manager stated that she called the bureau and the bureau told her there is nothing that she can do but that I had to file a dispute so that XXXX XXXX could remove the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed fraudulent accounts on my credit report with Experian, XXXX and XXXX in writing twice. I requested that Experian, XXXX and XXXX send me DOCUMENTED PROOF OF VERIFICATION of the fraudulent accounts as per 15 U.S.C. 1681g. Additionally on XX/XX/2017 @ XXXX I spoke with a Supervisor by the name of XXXX XXXX of XXXX over the phone and verbally requested DOCUMENTED PROOF OF VERIFICATION. I specifically asked verbally and in writing for the DOCUMENTED PROOF XXXX has on file proving that the fraudulent accounts were properly verified in accordance with Federal Law at 15 U.S.C. 1681 g, i and 616 and 617.
<P/>Today I sent my THIRD request for DOCUMENTED PROOF as per 15 U.S.C. 1681 g, i and 616 and 617 from XXXX and XXXX as the fraudulent accounts remain on my credit reports 30 days after my request for DOCUMENTED PROOF and I have STILL not been sent the documented proof requested in the first two letters. <P/>I have fraudulent inquiries that I request be removed as they are not linked to any accounts on my reports and were fraudulently made by identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter to Transunion as noted on the letter on XX/XX/2022. I have to receive in the last 65 days any update or notice of the progression of this dispute. Today 's date is XX/XX/2022. In accordance to 15 U.S. Code 1681i - Procedure in case of disputed accuracy 2A. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Product: Student loan

I attended XXXX and fell for there scam of being able to learn about computers with knowing nothing at all and felt overwhelmed to say the least about there whole process but they keep passing you along even though you do n't do well in the class ( es ) when come time to place me in a job like they promise there was nothing to be found and now I am stuck with all these loans that they were not clear on. So I have struggled ever since to try my hardest to pay these loans off and they keep piling up. Now that the school was actually deemed fraudulent and has closed I do n't feel like I should have to pay the rest of the loans off. I have tried to explain this to everyone I talk to on the phone but they do n't care or listen to what it is I am saying. Now I did a loan forgiveness and thought it would help out since they have been taking my income tax return for the past XXXX plus years but the loan is still accruing.