23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notice in the mail from Capital Accounts on XXXX, which is dated XXXX, to respond to the validity of a debt that I do not owe them. This debt was written off and already paid to the original creditor XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX. However, this strange company illegally obtained personal medical records that I have not authorized to share with 3rd parties. This is a direct HIPPA violation. 

Also, the company prematurely added their account to all of the credit bureau without validating that they have and own the rights to collect on this debt, license and bonded to collect debt in the state of Georgia, or an original contract. Ive already responed via mail on XXXX, but was ignored. I DO NOT wish to do business with this company, and I want this account REMOVED FROM ALL CREDIT BUREAUS IMMEDIATELY! 

My next course of action is to seek legal advise, and file charges against Capital Accts.
Product: Mortgage

XXXX XXXX XXXX  ; Following a natural disaster I accepted an offer for a forbearance. At that time PNC was processing the hardship assistance over the phone. I was approved for a three month forbearance in order to help cover construction and roof repairs which had doubled post covid. It was confirmed in multiple conversations we were talking about a forbearance and deferral just as in covid. I suspect the PNC business systems and procedures were set for covid applications.

After two months of not making payments I noticed the wording in correspondence was changing. I called to verify were going to tack the 3 missed payments onto the end of the loan term. It was agreed it would be a deferral.

The next letter indicated I had to file a repayment plan. I called and was told that PNC changed their policy and that the forbearance had to be repaid immediately which has caused hardship.

After setting impossible repayment terms PNC destroyed my credit by turning in late payment info to the credit bureaus.

Unfair Business Practices?
Product: Debt collection

At approximately XXXX I received a phone call from a number that I did not know while I was at work. When I got the chance to call back the number the recording stated the company name as XXXX. I further listened to the prompts and then a representative came online say that this was an attempt to collect a debt. I asked the person who said that his name was " XXXX '' to please send me everything in writing so that I could validate this debt. He then states that he can not do this because I had been contacted before by other collection agencies and had a breach of contract with them and that he was a mediator trying to settle the debt before taking this matter to court. I simply stated that I was at work and that I would have to give him a call back. Before I hung up the phone I asked what was the name of the company that he was calling from and he stated that he was calling from " XXXX ''. Once I got off of work I tried to do a business search of this company and found nothing. I did a reverse number search and nothing came up except stating thAt this company was a scam and listing all of the numbers associated with the number that had called me. I then proceeded to call back and spoke with a " XXXX '' no last name. He give me all the legal jumbo saying that we are on a recorded line. I once again asked for validation of the debt in writing and he said that he could only do it if I gave him my banking information and then he would send an email stating that the debt was paid. Once again I asked for validation of this debt to be sent to me and he said that he will note that I refusing to pay the debt and that they will send e my subpoena to show in court
Product: Credit reporting

THIS COMPANY PLACED AN INQUIRY ON MY CREDIT REPORTS ( XXXX, XXXX AND XXXX ) BECAUSE SOMEONR FRAUDULENTLY USED MY INFORMATION TO OBTAIN CREDIT
Product: Credit reporting or other personal consumer reports

I noticed unauthorized credit inquiries. I did not authorize these and asked that they be removed. Please delete immediately -XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We own a XXXX  in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the the president, the late fees were not to be assessed during Covid and the the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being effected from the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all three credit bureaus regarding items on my credit report. I just checked my credit XXXX and it has dropped my credit XXXX by XXXX points or more. The justification for the change is bogus. This is retaliation for the disputed letters I sent to them regarding information on my credit report and not notifying me of their investigation. All three credit bureaus deliberately acted against my personal credit account. My payment history has been the same and what they are doing is affecting me to purchase a vehicle. They should not be able to do this to consumers. I made a prior discrimination complaint against XXXX for XXXX disparities for their credit reporting practices against minorities. My crediXXXX XXXX dropped then too.
Product: Vehicle loan or lease

Car was paid off in Early part if 2019 but had to request title and marked paid a couple of times
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2018 after 4 rounds of credit repair, I received updated credit reports from XXXX XXXX, XXXX and Experian stating that the accounts on my report have been updated and for me to personally contact the collectors for any information. My rights have been violated per the FCRA and the FCPDA. These Collection accounts have not been properly verified by the 3 credit bureaus per the FCRA nor have they been validated by the collectors per the FCDPA. There has been no original instrument of the debt such as a signed contract presented to me by either of the parties. I have personally reached out to the collectors over the past 2 months asking for validation of this debt and what I received was the copy of a bill. Anyone can create a bill and place my information on it. This is not 100 % Verification nor is it validation. My credit is being held hostage by this. Laws have been violated. I have certified receipts from the correspondence that I sent to XXXX XXXX, XXXX, and Experian as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX that I'm attaching. These accounts are hurting my credit, im trying to buld a future for my children by purchasing a home and this has stagnated that process. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still presenting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed account which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct and update the account completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have yet another inaccurate account being reported on my file, as such I was turned down from XXXX XXXX XXXX XXXX  because of a 30 day late on a XXXX  Card underwritten by notorious liar XXXX  XXXX XXXX/Retail Services ( use to be XXXX XXXX  ), I have reached out numerous times, as the account has Zero lates aside from this contrived one. I have never been late always paid in time. In fact for many years, and have run thousands throughout the account and never carried a balance! I want this fixed immediately as I have been harmed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request to Equifax, XXXX and XXXX as well to the XXXX itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and noticed several inaccuracies and fraudulent accounts
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 


XXXX XXXX
Product: Credit reporting

I satisfied a NYS lien that is being reported on my credit report with Transunion I have asked for this to be investigated and removed but have received no information for the second time from Transunion
Product: Debt collection

I am submitting a complaint against Midland Credit Management for allowing their attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to disclose written communication for this debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX publicly revealed that a debt was due on a statement that was mailed to my home address. They also referenced that they were Attorneys At Law. By putting their name on the envelope, it was an embarrassment for my local postal workers to see, as well as my household members. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX intentions were to humiliate, and threaten me. By putting " Attorneys At Law '' on the envelope, is an indication of their taking legal action against me, due to their company being in the debt collection business. Furthermore, the Mini Miranda, pertaining the visual language that " This Communication is pertaining to a debt '' written on the inward side of the statement, was partially visible because it bled through the glassine window on the envelope. This is a violation of the FDCPAs prohibition on a debt collector using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report. 

XXXX XXXX XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681 b permissible purpose of Consumer Reports, the law clearly states : ( A ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written Instructions to furnish this on my credit report?

Furthermore, the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( a ) ( i ) paragraph states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above reference account and send out a free copy of my credit report after the changes have been made will result in legal action being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616 Civil Liability for willful noncompliance ( 15 USC 1681n ) Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Vance & Huffman LLC is attempting to re-age an account from Build Card, that was allegedly opened by myself in XXXX, I never received any correspondence from a XXXX XXXX, nor from Vance & Huffman LLC, the new collection activity is being reported as an opened date of XX/XX/XXXX, I have never received any correspondence from either entities, the XXXX XXXX account was not on any of my previous credit reports, I am not the owner of said account, I am requesting a debt validation and verification letter confirming the details of the debt in writing.
Product: Debt collection

XXXX bank said I had a charge of {$20.00} that the payment was late. I called them to dispute the item and they kept giving me the runaround. I had no issue paying it but nobody seem to help they charged me a late fee of {$25.00} which brought the leap payment now or {$45.00}. I paid the item and they keep giving me a run around about the different dispute. Put a late payment on my credit report for 2 months. when I have excellent credit and no debts I want those late payments removed. I dont know what to do anymore
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXXl account number XXXX XXXX XXXX accounts XXXX and XXXX, XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXX please delete these accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act has violated my rights 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 USC 1681 Section 602 A States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file and I seen some addresses that are not accurate. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX I also have an issue with a unverified account from a company that I do not recognize XXXX XXXX XXXX # XXXX I have never done any business with this company. XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. 
me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805.
Product: Credit reporting or other personal consumer reports

After examining my recent credit report, I found discrepancies that need immediate attention, particularly with the following accounts : XXXX XXXXXXXX XXXX XXXX and would fix it. Please correct and update! 
XXXX - XXXX XXXX. 
The companies have acknowledged these errors and committed to updating the status to open/never late. Other credit bureaus have already corrected the status of these accounts after the companies recognized the inaccuracies. 

I kindly request a thorough investigation into these accounts and timely communication of the findings via postal mail. Based on online information, such disputes should be resolved within 30 days, so I expect your response within this timeframe. 
XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I have had many XXXX  loans through citizens bank. All paid on time in full. My last one, XXXX, was on autopay. At some point, the autopay was disconnected and I found an email notice of such in my email junk mail. I had no idea that there was ever a problem with the account. I received no call even though they have my telephone number. I received no letter, even though they have my address. I logged on to my account and all of my number loans said " paid in full '' and " closed. '' No indication of any problem whatsoever. I next called their call center, which says it is open 24 hours a day. Their own representative indicated they could not find a loan with any issue among my paid loans. I next went to my original documents and located a loan number ( because nobody would give me one and no statements are provided by the bank ) and called back and was told that my account was in " asset recovery status. '' I was furious, because I was never informed that there was even a problem. I offered to pay right there on the spot and they would not accept a payment. How is it that they can delete your account from your online account so you can't see it when there is a problem and then refuse to accept payment when you try to pay. I also can not see my payment history to even know what was paid because they remove it all from your account. This should be illegal.
Product: Debt collection

On XX/XX/2020 I called this company and told them I didnt have an account with them and also disputed it with the 3 credit bureaus. They replied back and stated on my credit report, information has been verified. This debt collection company Ad Astra Recovery Services , Inc. is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2500.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$180.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX : Balance : {$88.00} Account Name : XXXX : Account Number : XXXX : Balance : {$920.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$830.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$10000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$11000.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$24000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$81.00} Unauthorized Inquiries : 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 XXXXXX/XX/XXXX
Product: Credit card

Attn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing in regards to my closed account, account number XXXX. I am writing here to ensure this letter is tracked, and the below is an appeal regarding my closed credit card account. 

My account was recently closed on XX/XX/XXXX, but I was not given the opportunity to provide additional context nor confirm transactions. All transactions were valid and temporary - I received a letter stating that these transaction were thought to be made fraudulently, but they were not. They were completely valid and I was not sent a notification about potential fraud to confirm the same. I have made payments in full monthly and will continue to do so. If there is an option to open a checking account or keep money in a Fidelity investment account to further show proof of funds and reduce any risk for the bank, please let me know and happy to do so. Separately, if there are separate option for appealing and reopening this account, happy to tke those steps.

If it is preferred that I call a specific number to clarify the same, please let me know, but I was told to write the above address. Thank you.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my file, it has become apparent that the account under scrutiny is both incorrect and unverifiable. I am formally requesting Equifax 's established procedure to address my specific needs regarding my file, personnel, insurance, and other pertinent information. It is imperative that this process be conducted in a manner that is fair and equitable to me, ensuring strict adherence to principles of confidentiality, accuracy, relevancy, and the proper utilization of such information in accordance with the law. 

I am specifically seeking a re-investigation of account XXXX XXXX XXXX, with a request for immediate updating. The reported balance of {$5800.00} presents multiple errors that have detrimental implications, encompassing inaccuracies in balance, payment history, and the date of the last payment. I urge Equifax to rectify these discrepancies promptly to uphold lawful accuracy. Alternatively, should accurate information not be available, I request the removal of the reported late payments in XX/XX/ ( 30 days late ) and XX/XX/ ( 60 days late ).