23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On  XXXX   XXXX ,   XXXX  , my husband received a voice message on his cell phone from a woman called  XXXX  from a company identifying itself as  RMC.  When I called the number back ( their number  XXXX   ),   they stated that they are a reputable debt collector. I said that I was not aware of any outstanding debt I owed and that I had not received any mailings through the  USPS regard ing any outstanding debt. They insisted that they could not tell me who their client was or what the alleged debt was that I owed until they positively confirmed my identity by me providing at least the last  XXXX  digits of my social security number or my whole social security number and my date of birth. When I refused to give them any additional personal identifying information without more information about the alleged debt, they said they could be sued if they did not positively identify me first before giving out any debt information. They were very insistent and said they were documenting my refusal to provide this information ; they intimated that my credit record could be damaged. I told them they could mail me regarding any alleged debt, and they said I had already been mailed and that I was now turned over for collections. I gave them my current address and said they could mail anything regarding this alleged debt to me. However, they kept insisting that all previous mailings had gone unanswered, and I was now in debt collection status. I finally had to hang u p. One other RMC phone  number that was provided in the voice message to my husband was  XXXX .
Product: Credit card

I have had a Credit Card with this Company for many years and I have literally one been late on one payment and they have refused to increase my Credit Line. The present Credit Line is {$6300.00} and I am requesting an increase to {$10000.00}. Are there no rules that govern how a Credit Card company treats it's best customers?
Product: Credit card

Synchrony Bank responded to my prior request by sending me some account statements from an alleged account. The statements did not even add up to the alleged balance they are claiming. There was also no documentation of the supposed account terms, any proof of an agreement between myself and them nor ANY proof of this account being valid.This account remains unvalidated, and inaccurate. I asked for the full accounting history and all that was provided were statements starting in 2011 that already had a balance on it.There are also all kinds of blank fields and retracted blacked out items on these statements they sent. This all means the information you have furnished is inaccurate and incomplete and the FCRA says you are required to delete this information. 

I am now asking them here where the CPFB can see it themselves, for them to provide copies of the actual documentation used to " verify '' this account with the credit bureaus. Including a certified copy of the original contract, the FULL accounting history of the account from the origination to present, copies of cancelled checks proving late dates, and proof of the bank account the payments were taken from. Also please provide proof that you lent me actual money and where did they get that money from since it is against the law to lend money from your assets or your depositor 's assets. 

XXXX XXXX XXXX defines 'verification ' as " the declaration under oath or upon penalty of perjury that a statement or pleading is true, located at the end of a document. '' So I would like for Synchrony Bank to provide the sworn legal statement proving that we did business of any kind. 

Lastly, I would like Synchrony Bank or GE Moneybank to please admit or deny on a sworn affidavit that Synchrony Bank ( or GE Moneybank ) received insurance money that paid off the account at approximately 90 days of no payments. Please admit or deny that Synchrony bank followed the law and took a loss on their taxes the year they charged it off. If they did, the debt was cancelled and no longer exists. 

If you can not provide all the requested information, FCRA Sect 611 requires this be deleted. If this remains on my credit report, I will be filing more complaints with the XXXX, Attorney General and as a last resort, finding a consumer attorney and taking legal action against Synchrony Bank for willful noncompliance of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XX/XX/2019 I made the mortgage payment through Carrington 's website. The next time I signed in to pay my XXXX payment, I received a prompt that my mortgage was going into foreclosure. I called them immediately and they said I had not made XXXX 's payment. I checked my bank statements and realized the money was never transferred. I made the payment immediately and made both XXXX and XXXX payment. My credit score has dropped over 100 points because of this. I made multiple attempts to get this resolved. 

In addition, on my XXXX report it states I was late in XXXX and XXXX of 2019. I called Carrington about this and they said there were no late payments in XXXX or XXXX on my records. I asked them if can they provide proof of my on time payments so I can clear it with XXXX. They said they will not send me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

Account XXXX XXXX XXXX XXXX different account numbers Account # : XXXX XXXX XXXX XXXX different amounts the inaccuracies go on XXXX {$140.00} Showing on the report twice damaging my profile XXXX instead of XXXX along with a lot of other reporting inconsistencies clearly a violation. 

Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under 15 USC Code 1681a ( 3 ) this medical collection is in violation and can't be on my credit report. By time you read this the new law will be active anything under 500 $ will not reported I am so tired of my consumer rights being violated please see attached proof
Product: Student loan

FedLoan Servicing is not taking ownership of a payment I made before my loans were transferred to XXXX. 

On XX/XX/2021 I made a {$25000.00} payment towards my student loan balance. This was made before my loans were transferred to XXXX, therefore FedLoan should be responsible for returning {$20000.00}. 

Details regarding the payment is listed below : XXXX XX/XX/2021, XXXX XXXX to XXXX Dear XXXX : We are confirming the student loan payment you scheduled through Account Access. 
Payment Amount : {$25000.00} Payment Date : XX/XX/2021 Checking/Savings Account : XXXX Confirmation Number : XXXX
Product: Credit reporting or other personal consumer reports

Reporting as profit and loss with balance and reporting charge off multiple dates
Product: Mortgage

After multiple attempts to resolve the problem, we spoke on the phone with Shellpoint Mortgage on XXXX. They finally informed us they had no intention of paying our real property taxes as they were dealing with a third party provider who was collecting data from the previous lender ( this had not been conveyed to us in prior conversations ). We informed Shellpoint we had emailed them a copy of our property taxes ( based upon a previous phone conversation ) on XXXX XXXX, 2015 and receipt was acknowledged. Due to the late date ( taxes are due XXXX XXXX, since we had no confidence in Shellpoint, and since we were told they were not going to pay our taxes, we went ahead and paid them ourselves, incurring a 2.45 % credit card fee, since failure to pay on time could result in injury to our credit rating. This could impact our security clearance possibly resulting in job loss.
Product: Debt collection

Repeated disputes through XXXX  credit bureaus, to no avail. Provided proof of residency at the time with FTC and police reports of identity theft. Debt still being verified as accurate
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed over a dispute letter to Transunion disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Transunion that was issued by them on XX/XX/year> that they received my dispute but they would not process it because an issue with the documents I provided which is a current bank statement. I'm not sure why they think they can ignore my disputes but I read somewhere they do this to a lot of consumers and it is not right. I am trying to fix my credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Transunion do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address as well as a copy of my social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my credit report, and theres an authorized inquiries without my permission without my signature
Product: Debt collection

I am questioning account number  XXXX  with LVNV Funding due to the fact that I have sent several dispute letters to the credit reporting agencies and it comes back verified every single time. They are claiming that I owe {$400.00} to  XXXX   XXXX  on my credit report.   XXXX  I have contacted LVNV Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I discovered several inquiries that I did not authorize. These inquiries are negatively impacting my credit score and do not reflect any applications for credit or services that I initiated. I have contacted Equifax, XXXX, and XXXX multiple times to dispute these inquiries and have provided all necessary documentation to support my claims. Unfortunately, none of the credit bureaus have removed these unauthorized inquiries from my credit reports, leading to ongoing frustration and potential financial harm. 


Equifax : Unauthorized XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX : Unauthorized XXXX Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX Unauthorized XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus TransUnion, XXXX  and XXXX. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Product: Bank account or service

I opened an account with M & T bank online on XXXX/XXXX/15 and immediately funded it with an automated transfer of {$500.00}. A little over a week later I got a letter requesting that I fax in a copy of my DL, Social, and utility bill for address verification which I did on XXXX/XXXX/15. Fast forward to today, XXXX/XXXX/15 and I have not heard anything back so I called M & T bank to find out the status and I was told that they still have not reviewed it and my {$500.00} was on hold. I demanded that my account get shut down and my {$500.00} returned but I was told that could not happen until they reviewed my information that was faxed and released the hold on my account. I asked how long that would take and I was told it would take as long as they want, which would render my {$500.00} hostage until they got around to figuring stuff out.
Product: Vehicle loan or lease

Westlake is in a act of fraud asking for a {$20000.00} down payment and a false & inaccurate finance charge under truth & lending in participation in a consumer Credit transaction, Pursuant 15 U.S. Code 1605 Determination of a finance charge is the sum of all charges in connection with any consumer credit transaction,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inquiries referenced below and demanded verifiable proof bearing my electronic signature. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604. This action was initiated without any proof from any of the companies reporting. These inquiries are not accurate since I never authorized them. The FCRA requires Credit bureaus to follow up and investigate those inquiries in question and remove. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence and remove immediately for non-compliance. Under the laws of the FCRA, Experian is required by the FCRA to follow up with the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX was acquired with my identity ( identity Theft ) which i provided a police report and affidavit. this was done without my consent and charged off. The original complaint was put in last year and after an investigation from the bureaus was removed. upon looking over my report last month it appeared again. this is not correct and will not be tolerated. I thought XXXX was a good company ... very sad that they would want to go against the laws of FCRA.
Product: Mortgage

Bank of America claims that there is a Massachusetts state law that prohibits it from extending home equity credit lines to owners of homes held in trust. I tried in the early spring XX/XX/XXXX and again in XX/XX/XXXX to open a home equity line of credit to replace the one I have had for decades with Bank of America and that will expire in XX/XX/XXXX. Both times I was told that there is a Massachusetts law prohibiting BoA from extending a home equity line of credit for a house held in trust. I am trying to get a line of credit for the same house that I have a line of credit for for many years. <P/>Yet I have spoken with XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX as well as my estate attorney and have been told that home equity lines of credit are extended to owners of homes held in trust, subject of course, to scrutiny of the relevant trust documents but that most often there are no impediments to gaining a line of credit. <P/>My concern is that BoA is not truthful and that homeowners are not getting accurate information. <P/>I will apply for a home equity credit line early in XX/XX/XXXX, probably at XXXX XXXX XXXX, XXXX XXXX XXXX, or another local bank. I do not anticipate any problems.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX XXXX Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Act 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. Also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of several charge-off accounts on my credit report, which I believe inaccurately impact my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is incorrect, outdated, or unverifiable. Upon review, I found significant inaccuracies in the following accounts : XXXX account XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX ( Collection Account ) : Account number XXXX XXXX XXXX : Account number ( Collection Account ) XXXXXXXX XXXX XXXX XXXX  : Account number ( Collection Account ) XXXX According to the FCRA, the credit bureau is required to correct or remove the entry. These charge-offs and Collection Accounts have unfairly impacted my creditworthiness and caused undue financial hardship. I therefore request you to promptly remove these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain some specific records in my document that came about as erroneous. The records I am questioning are all inaccurate informations. No one cares about it, delete the inaccurate of any information in my credit record that came about due to an alleged fraud. These are the items that seems to be an error on my file that needs to remove : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company refused to remove items unless I sent in proof of my identity, I submitted proof and they still refused to investigate. I requested the following accounts be removed from my credit report due to fraud and this them continuing to report is a direct violation of the fair credit reporting act. 

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 US Bankruptcy Court Northern FL XXXX XXXX BANKRUPTCY DISCHARGED XX/XX/2019 I also requested they remove the following incorrect addresses from my credit report XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX
Product: Debt collection

company had made calls and not idetified who they are other thank I talked to you last month. Thir dispute letter was returned XX/XX/XXXX and they had a deadline of XX/XX/XXXX. They have failed to provide informaition. I completed a follow up online request and have a confirmation email that it was recived
Product: Debt collection

I have no idea who or what this is. Never received a bill never received a phone call or any correspondence what so ever. I just found in on my credit report and have no idea what it is.
Product: Debt collection

I have several collection accounts on my file from a collection agency named Account Resolution Services i sent a written request via mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all 2020 requesting debt validation of these accounts and the above company failed to respond. Also this company is not licensed to collect in my state i have called several times and requested the company license number to look up the company all they do is transfer me to a supervisor that never answers or return my calls after leaving messages. Please be advised that i am disputing these collections due to the fact that the collection agency account resolution services XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX fl XXXX does not currently have a valid license in illinois to collect on debts. According to the illinois department of financial and professional regulation i am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that ARS are licensed to collect debt in illinois. Your immediate response will be greatly appreciated.