23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit in XXXX XXXX discovered someone used my information to credit and get medical care. Ive sent letters request validation to XXXX Equifax & XXXX. All 3 Credit Bureau ignored my request. With is a Violation of the FCRA!! I also asked for an update credit report via us mail and nothing was ever sent to me, with is another violation of the fcra!! Will attach ftc report and 605b letter dated XX/XX/21!! THE FOLLOWING ACCOUNTS ARE FRAUDULENT 1. XXXX XXXX {$1700.00} / $ XXXX {$500.00} Ive never done business with this company or entered into a signed contract! XXXX XXXX also add this items to my XXXX  file after they had been deleted without giving proper 5 days notice. This account is fraudulent and needs to be blocked!! Per fcra 605b. 
2.XXXX XXXX XXXX {$350.00} Ive never done business with this company or entered into a signed contract with this company. 
All accounts are fraudulent accounts and needs to be blocked from my credit file. Per Fcra
Product: Mortgage

I refinanced my home. The title agency agent was several hours late to the closing and had to return to my house to complete documents he didnt have me sign in the first place. I was alerted to documents not being received by my town for my property taxes. I called my mortgage company and requested the documents be sent to the town. On XX/XX/XXXX I was notified by my mortgage company that my mortgage payments for XXXX and XXXX were not withdrawn or paid. I immediately explained the issues with the title agency at closing and that I had spoken to my loan processing officer the day of the closing expressing my concerns. I have never been late or missed a mortgage payment. I have used PNC for all loans and mortgages. PNC mortgage waived my late fees and opened 2 investigations into the title agency. I also immediately paid the 2 mortgage payments. I have had to request on several occasions that the tax documents be sent to my towns tax department. The late payments were reported to all credit bureaus and I am currently working to have the negative reports removed from credit history. I have been in contact with my mortgage companys escalations bureau who has told me that they are missing pages from the closing that should be submitted by the title agency. The incompetence of the title agency has caused me to have negative reports to my credit history. I am attempting to have these items removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX FIN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that XXXX XXXX  were taken off my credit score on XX/XX/2022, and the last company to run my credit score was XXXX XXXX XXXX XXXX  in XXXX XXXX XXXX  by a manager/salesman through XXXX XXXX  and XXXX and I was denied the financial loan for XXXX XXXX. I recently got mail from XXXX of the Finance companies XXXX XXXXXXXX XXXX XXXX stating that I was denied for Fraudulent behavior on my FICO score, letter was dated XX/XX/2022 and my Alert for the XXXX was dropped on XX/XX/2022 per XXXX and TransUnion Report. The last company before this occurrence was XXXX XXXX for a credit card I was approved for.This fraudulent activity can only be linked to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX report to XXXX. Me and my has been looking at out credit reports per all three credit bureaus and there are very weird companies and credit runs from around that time as well as, XXXX XXXX shows up on my wifes soft inquires on XX/XX/2022 and we only was introduced to that finance company on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX. A month after that first soft inquire was dated as. XXXX XXXX popped up twice on mine for that day XX/XX/2022 on my soft inquires. This Still has not justified the XXXX XXXX taken out on XX/XX/2022. We have noticed alot of soft inquires from various companies on my wifes credit report per XXXX since then. In which per XXXX they have her social security number incorrect as well. We do believe ( not sure ) that this Fraudulent behavior does has to do with the manager/Salesman and the XXXX XXXX I would like to open up an investigation on the behalf of this and pursue legal action for this behavior. The manager was the one that ran us for the loans, XXXX XXXX is showing odd behavior with there deny on me and ONLY being on my soft inquires as well as showing up on my wifes credit report a month before they were introduced to us and the XXXX XXXX that are not justified, seeing how I was denied before the date TransUnion reported and verified the points were taken off my credit score. Also, I would like to speak with an agent regarding this matter, due to the fact there is more information regarding this matter, personally. This is 100 % fraudulent behavior and needs to be handled!
Product: Debt collection

PROFESSIONAL DEBT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Professional Debt Mediation , Inc . 
XXXX, FL XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PROFESSIONAL DEBT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROFESSIONAL DEBT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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 602A. States I have the right to privacy.

.

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

15 U.S.C 1666b : A Creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and I noticed there are a few problems on my personal credit report on XX/XX/year>. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Bonneville Collections is reporting a collection on my credit file that is inaccurate and must be removed. I recently checked my credit and noticed this debt reporting. I tried calling and nobody could give me any information about this debt. Well apparently it is medical debt. I never signed or gave Bonneville Collections a HIPPA patient release form allowing them to report on this medical debt. That is a HIPPA violation and this is unlawful. This collection must be removed immediately.
Product: Debt collection

On XX/XX/2020 I mailed off a " Request for Validation, Not Verification '' letter to " Collection Bureau Hudson Valley '' ( CBHV ). The company received my letter on XX/XX/2020 and someone from the company signed for it. With my letter I provided my name, address, and account number to help the company look up my account. Also, within the letter I was giving the company 30 days to provide me proof. I know that the debt collector has 30 days to respond to the debt validation. What I was asking for is proof that I actually owe the debt. As well as proof that they have the legal right to collect the debt. They must also prove that they are licensed to collect debts in my state. Also, they need to provide the original contract I signed with the original creditor, or at least credit card receipts that I signed. Within the 30 days I did receive a response from CBHV but it was just a billing statement, nothing that I asked for in my first letter to them. I responded back with another letter asking them again to validate my debt under the Fair Debt Collection Practices Act. They did not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. The documentation CBHV provided in no way provides sufficient verification of the debt. I was expecting to hear back from CBHV to have this account removed from my credit report but I haven't heard anything back. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX XXXX a letter XXXX XXXX2017 requesting validation of an account listed on my credit report. They signed for this letter XXXX XXXX, 2017 at XXXX XXXX They never responded to my letter. So on XXXX XXXX, 2017 I sent them another letter that they signed for XXXX XXXX, 2017 at XXXX XXXX informing them they failed to respond in a timely manner and advising them they violated Federal Law by not responding and not providing viable evidence bearing my signature. They responded finally 33 days after first letter was sent. XXXX responded with a letter dated XXXX XXXX, 2017 stating they found that account was correct. They did not provide proper evidence bearing my signature showing I have an obligation to pay them the amount they are reporting on my credit report. They have been advised failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I sent XXXX XXXX XXXX a third letter XXXX XXXX, 2017 that they signed for XXXX XXXX, 2017 at XXXX XXXX I have tried three good will attempts to resolve this incorrect information that is being reported on my credit report however XXXX has continued to ignore my requests. I filed a complaint directly against XXXX XXXX XXXX through CFPB portal X/XX/17 and BBB, however XXXX XXXX XXXX has refused to respond to complaint issued through CFPB. As of today X/XX/17 they have not responded to CFPB as per the rep named XXXX that I spoke to via phone call this morning. I have attached all proof of correspondence with XXXX XXXX XXXX and any responses from them. I addition to refusing to provide valid evidence XXXX XXXX XXXX did not furnish the credit bureau Experian with the required disclosure, within the period required by law. XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/2017 at XXXX XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with Experian within the required 30-day period.
Product: Debt collection

In XXXX my roommates and I found the property XXXX XXXX XXXX, managed by the company XXXX, online and as I am the only one of the four of us in the same state as the property I took two days and rented a hotel to see it in person. In order to view the apartment/townhome, we had to fill out a lease and put down the {$100.00} application fee as well as a {$350.00} deposit. When I arrived it was to find XXXX XXXX XXXX was not the clean and safe community advertised ; the streets were in disrepair, the garbage was overflowing onto the street and people 's possessions appeared to have been thrown out on the lawn. When we inspected the apartment itself not only was it outdated, there were cracks in windows and patio pavement, part of the stair railing missing, and old carpet in a filthy condition. As this was not at all what we'd been led to believe we were paying for I asked for our money returned. First with the community office, where they were very confrontational and when it became clear we could not reach an agreement I then contacted my credit card company to file a dispute. My credit card company refunded the money and XXXX agreed to send a check back. I informed the XXXX 's office multiple times that I would not open any mail or check addressed to the other three people on the lease as they do not live with me but the company sent a check addressed to the four of us to my address anyway., this was around XX/XX/XXXX. I sent it back. Recently, as of XXXX, I received a letter and three other letters addressed again to people who I'd informed the management at XXXX XXXX XXXX multiple times do not live with me. The letters were from a collection agency and the one addressed to me stated I owe XXXX XXXX XXXX {$400.00}. I can confirm they also requested the same amount from my potential roommates. After being promised a return of our money they are now requesting through a debt collecting company that we pay {$400.00} each ; and will damage our individual credit scores if not paid. I attempted to contact the debt collecting company, XXXX XXXX XXXX, and spoke with a representative who not only refused to transfer my call to a supervisor but hung up on me. I then attempted to call the Corporate Office for XXXX at XXXX and have yet to receive a call back after leaving a message about the situation. The application fee was {$100.00} if that is what they are requesting we pay, not {$400.00} each. I can only assume this is some sort of petty scam for extra money, the consequences of which are going to have a negative effect on my credit. I will also be contacting the XXXX XXXX XXXX on this matter.
Product: Checking or savings account

We needed a XXXX Account for our minor granddaughter per court order. A CD account was opened at Bank of America of XX/XX/XXXX to meet that requirement. The XXXX requires an annual accounting report with a bank statement showing the amount of interest earned on the account and the current balance. Bank of America has failed to provide any statement on this account. We have visited our local Bank of America XXXX several times and we have been told that due to the restrictions on the account they can not provide that information. On XX/XX/XXXX, I filed a complaint with the Better Business Bureau and Bank of America has failed to respond. That is absurd! We have this reporting obligation to the court and we could be found in contempt of court, if we don't provide the required statement. If Bank of America is unwilling to provide any statement on this account, we will be forced to take our business someplace else, including all of our existing accounts.
Product: Mortgage

Loandepot.com ran my credit with out my permission. When I asked them to remove the hard pull from my credit report they refused. I ask to file a complaint about the loan officer who pull my credit with out my permission they told me I could not. The NMLS of the person who pulled my credit is XXXX, XXXX XXXX. The company 's NMLS is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX, XXXX, XX/XX/XXXX of listed late payment 2. XXXX XXXX Bank XXXX XX/XX/XXXX and XX/XX/XXXX of listed late payment 3. XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX of listed late payment 4. XXXX XXXX XXXXXXXX XXXX, ( 7 ) XXXX, XX/XX/XXXX of listed late payment
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS BEING REPORTED AS A COLLECTION ON MY CREDIT REPORT. WRONG!!!! HOW ARE YOU REPORTING CO STATUS ON THIS ACCOUNT WHEN THE ACCOUNT WAS PAID AND IN GOOD STATUS? THIS HAS ALREADY BEEN PAID AND IS IN XXXX BALANCENOT CO STATUS!!! ALL OTHER BUREAUS ARE REPORTING CORRECTLY. WHY ARE YOU REPORTING WITH WRONG INFORMATION????
Product: Debt collection

I am a XXXX XXXX XXXXXXXX veteran, proof attached as a benefit letter from the VA, and I recently discovered that there are accounts on my credit report that have been sent to collections. Due to my XXXX, I am unable to afford payments on these accounts. I have made attempts to address this issue but have been unsuccessful in finding a resolution that fits my financial situation. As a XXXX veteran, I believe there may be options for assistance or forgiveness, and I am seeking help to resolve this matter. 

On XXXX XXXX XXXX, I discovered that LVNV Funding LLC had reported an outstanding balance of {$910.00} to collections. 
I contacted the creditor in XXXX to request a payment plan or discuss other options, but they were unable to offer a solution that was affordable based on my current income. 

On XXXX XXXX XXXX, I discovered that XXXX XXXX XXXX had reported an outstanding balance of {$840.00} to collections. This is a new discovery.
Product: Credit reporting or other personal consumer reports

I have been disputing this inaccurate report since XX/XX/year>. One of the specialists assured that the information would be removed from my account. This has cost me employment opportunities and credit denial. I have been sending supporting documentation. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following
Product: Debt collection

After noticing a fraudulent account on my consumer credit report, I notified the 3 major credit bureaus, affectively disputing the alleged debt. I.Q. DATA INTERNATIONAL, INC. was contacted by the 3 major credit bureaus, but has subsequently disregarded 15 USC1681 ( b ), constituting a willful violation and possibly a tort claim. 

I demanded proof of documentation with respect to either an application for credit, services or employment executed with I.Q. DATA INTERNATIONAL , INC., supporting their ability to obtain my consumer credit report. They have failed to do so and continue to violate 15 USC1681 ( b ). Civil liability for I.Q. DATA INTERNATIONAL INC. 's willful violations exist within 15 USC1681 ( n ).
Product: Credit card

missed a flight due to weather delay. XXXX XXXX told me to repurchase a ticket and i would receive a refund. After speaking with XXXX I was told to dispute with credit card company. I did that. Credit Card company told me I did not send enough info. I submitted XXXX refund policy along with flight details, the rebooking, and new flight details. I also submitted the emails between me and XXXX. They refunded me for the missed flight when they were supposed to refund the rescheduled flight. which is why they told me dispute with card company. All information and a detailed account of the events was mailed and emailed to card company.
Product: Credit card or prepaid card

I opened my American Express cards from last year XXXX and hit the sign-up bonus and got my points in XXXX. Several days later after getting the points, they took them back and told me it's under review, which took them 3 months until XXXX this year to give them back to me. I had talked to many agents and they didn't really solve the problem. Afterward, I got other AMEX cards and got other points in XXXX. And yesterday as I was trying to transfer my points to XXXX XXXX to book my flight, the system said my account and points are being reviewed again! It's been like this on and off for 7 months! I talked to many agents in the meantime and all they told me was to wait and there is nothing they can do! I feel like being fooled around. According to AMEX terms, the points will be issued in 8-12 weeks MAXIMUM after I hit the spending requirement. And now it's 7 months and I still can't use them!!! What is the point!? Even if they decided to review my new accounts, why would they also freeze the points I earned from my old credit cards from last year??? This is like a trick to me. I really need to book the flight and now they froze my account and points. And there are no fraudulent or suspicious activities happened on my account. I even pay the full amount each month to my cards.