23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have called this company several times to let them know that i have dealt with this account directly with XXXX. XXXX has advised me multiple times to deal with them directly to resolve this matter. Now it is reporting on my credit report and i dont owe XXXX XXXX anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Dear XXXX, XXXX, Transunion, I hope this message finds you well. I am writing to formally address the errors and inaccuracies that have been consistently present on my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that all information listed on consumer credit reports must be accurate. If any inaccuracies are found, they must be corrected or deleted promptly. 

Despite my repeated notifications regarding these discrepancies over the past few months, I have not seen any corrections or deletions made to my report. I have attached my previous dispute letters, which include my identity verification, to assist in resolving this matter. 

I kindly request that you take immediate action to correct the inaccuracies or remove the erroneous items from my credit report. Furthermore, I would like to specify that I no longer wish to be contacted by phone ; all communication should be conducted via mail. This request is made to ensure that there is a paper trail for tracking the progress of my case, as I may consider legal action if necessary. 

Please provide me with the corrections made, along with supporting documentation that includes my wet signature, so that I may verify that these accounts are indeed mine. 

I look forward to your prompt response and resolution of this matter. 

Thank you for your attention to this urgent issue.
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. 

XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX # XXXX, 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 TN XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX B IRCH XXXX XXXX TN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 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 items 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

I reached out to the 3 credit bureaus because there is information on my credit report that is inaccurate. 

There are several names and addresses on my report that are not mine. 

There are also 3 accounts on my report that do not belong to me ( XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX I have filed several disputes regarding these matters and have not received a resolution. Having incorrect names and addresses associated with my public record makes me susceptible to identity theft. 

Please help in having these items removed from my credit report immediately.
Product: Debt collection

Received repetiious phone calls that were intended to annoy, abuse and harass.Threats Threat to do things that can not be legally done ( serious ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate complaint. 

I received a call from Midwest recovery systems in regards to a payday loan I allegedly received in 2013. Company stated account will not be reported to credit bureau. I received notification it is reporting to my credit files. Also, the alleged date is from 2013, and the state of Maine only allow credit items to report for six years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my consumer report. I am a victim of identity theft. I sent my FTC Report and my PA License as proof or identity to XXXX, Equifax, and XXXX on XX/XX/2023. These companies are in violation of 15 USC 1681c-2.
Product: Mortgage

On XXXX a property tax sale sign was placed in my yard, stating my home will be sold on the courthouse steps on XXXX. However, I have a FHA mortgage with Freedom Mortgage Corporation and my property taxes are escrowed and paid each month when I pay my mortgage payment. I've had my mortgage with Freedom Mortgage Corporation for almost five years and I've never been late paying my mortgage payment. When I saw the property tax sale sign in my yard this afternoon, I immediately called my County Property Tax Office and they informed me that they still haven't received my property tax payment for tax yearXX/XX/XXXX. So, I immediately called Freedom Mortgage Corporation this afternoon to inform them that my County Property Tax Office said they still haven't received my property tax payment for tax year XX/XX/XXXX and that my property taxes were due by XXXX. I had also called Freedom Mortgage Corporation numerous times early this year regarding them not paying my property taxes and Freedom Mortgage Corporation said they would process my property tax payment immediately and assured me they would mail the payment asap. Freedom Mortgage Corporation withdrew my escrow payment out of my escrow account on XXXX and was supposed to mail the payment on XXXX. However, still to this date, Freedom Mortgage Corporation has not paid my property taxes for tax year XX/XX/XXXX and they never called me or notified me at all that they were still delinquent in paying my property taxes for tax yearXX/XX/XXXX. Nor did I receive any new notices from my Property Tax Office before the tax sale sign was placed in my yard today. Freedom Mortgage said I can redeem my home after it sells on the courthouse steps on XXXX which is absolutely ridiculous, because I didn't fail to pay my property taxes, Freedom Mortgage Corporation failed to pay my property taxes for tax year XX/XX/XXXX. My house shouldn't be sold at all on the courthouse steps at the property tax sale on XXXX due to their negligence. Now, I'm about to lose my home if Freedom Mortgage Corporation does not pay my property taxes for tax year XX/XX/XXXX in the amount of approximately {$3700.00} by end of business day tomorrow ( XXXX ) in the form of a bank cashiers check to My County Property Tax Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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
Product: Debt collection

I pulled my credit report along with using XXXX XXXX, I have sent a letter to the company with no avail. I have not nor have I ever done business with this company.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. XXXX XXXX with your client that grants you the authority to collect on this alleged debt. XXXX v. XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 my XXXX card was reported as lost. XXXX closed the card ( card number was the account number ), my credit score dropped 102 points behind this. Although XXXX  has sent in an early credit history to Equifax, my credit score only went back up by 20 points. I was in the process of buying a home and this affects me tremendously
Product: Debt collection

Company contacted me XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. Each time I told them that I wont have the money to pay my account until the end of the month when I get paid. I asked them each time not to contact me on my cell phone. They have ignored my request. on XX/XX/XXXX they called me and told me they have every right to call me and I told them not if I repeatedly told you not to. I tried contacting the manager on XX/XX/XXXX stayed on hold for 10 minutes, he never answered my call.
Product: Credit reporting or other personal consumer reports

Synchrony XXXX XX/XX/year>, there was fraud to the account, provided emails, pictures, and talked to customer resolutions several times. They agreed to remove all negative items, would remove the amount, and later it was placed on my report again. I have all documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential financial risk, and, through no fault of their own, forcing those millions to be on high-alert for activity on their credit account for potentially the rest of their lives as their personal identifying information has become public on the undying record of the Internet. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. This puts everyone affected in an even more difficult position than was ever necessary, as we must now be both proactive to prevent damage from the breach of our sensitive information and reactive to fraudulent activity that had free rein to occur in the time that this breach of information was kept secret from us. Furthermore, their response has not inspired faith that they have learned from their mistakes and are making efforts to improve their security, as they flagrantly disregard security best-practices in their attempt to prove that they are taking security concerns seriously : for example, their domain set up specifically as a response to this security breach is a new domain related to the incident -- something that anyone could have registered -- rather than hosting it as a subdomain on their existing Equifax.com domain, which would better indicate legitimacy. By making such a no-brainer mistake right off the bat, Equifax is implying that despite their public statements they privately have no intention to more responsibly handle sensitive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX XXXXXXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Information with Chexsystems is incorrect and needs to be removed immediately.. The information is inaccurate and incorrect
Product: Credit reporting or other personal consumer reports

My account with those crediotrs was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Bill paid in full with a statement balance of XXXX on XX/XX/23. 
Received new bill for XXXX of interest. They claim its from the acct not being paid in full for XXXX however thier payment system only gave the option to pay the XXXX. 
I tried to have them remove the amount and they were unwilling to remove the amount in its entirety as of XX/XX/23 the day I received new bill.
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. XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXXL XXXX ( XXXX XXXX ) XXXX. XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Automobile Dealers ) 15 U. S. C 1681 section 602 A. States I have the right to privacy. 15 U. S. C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U. S. C. 1681c. ( a ) ( 5 ) Section States : NO consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C. 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

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It 's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I own a house in XXXX, XXXX XXXX. The mortgage is held by Seterus, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. On my most recent statements, Seterus has been charging a monthly charge of {$260.00} for insurance and taxes. I have complained to the company ( letter attached ) that it is double-billing me, because since I took ownership of the property I have paid the property taxes ( recent XXXX County tax bill attached ), and have carried my own insurance. I have asked Seterus for an itemized statement of complete charges for insurance and tax charges, so I may claim insurance and property tax refunds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it once again. It is not permissible to fail to validate this reporting account as unverified information without providing proof. 

Please validate this reporting account : XXXX XXXX XXXX Balance : {$21000.00} This complaint is my follow-up attempt to ensure that the listed account is verified ASAP.
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 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!

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XX/XX/year>- The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXX XX/XX/year>- The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XX/XX/year>- The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!