23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

SYNCB/PPC Account XXXX XXXX Account Status Closed Charge Off Payment Status Past Due - {$2400.00} Balance Owed {$2400.00} Payment Amount {$0.00} Credit Limit {$2100.00} According to XXXX, XXXX XXXX your company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. I thereby and hereby demand to see a copy of the Verifiable, Validated Proof ( a Certified Copy of the original Signed Consumer Contract, copies of copies are not Validation and by Law are not considered Legally compliant proof ), that you have on file for the account ( s ) listed above. Under the FCRA, unverified, invalid accounts must be removed from credit reporting. If you are unable or unwilling to provide me with a copy of the verifiable/validated compliant proof that you have on file within 30 calendar days from the receipt of this notice, for the account ( s ) listed above then you must at once remove the account from XXXX XXXX credit reports. I demand the account be verified or removed IMMEDIATELY! The law is VERY clear as to the Civil Liability and the remedy available to me for the negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account # XXXX 1.XXXX XXXX XXXX XXXX XXXX, TX XXXX {$6800.00} / {$5200.00} 2. XXXX XXXX XXXX acct # XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$750.00} IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX, Trans union, XXXX HAS VIOLATED MY RIGHTS AS FOLLOWING 15 U.S.C.1681 SECTION 602A STATES I HAVE THE RIGHT TO MY PRIVACY 15 U.S.C. 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion, XXXX and XXXX I informed them that their were inquiries on my consumer report that was unauthorized and that I do not recognize. I demanded that they remove these inquiries off my consumer report as I never gave them permission to report anything inaccurate and negatively on me. Pursuant to federal law Title 15 USC 1679c - Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over XXXX years old. Bankruptcy information can be reported for XXXX  years. This information is inaccurate, alleged, and defamation of character.
Product: Mortgage

I was in forbearance last year, XX/XX/2022, Georgia mortgage assistance fund paid my mortgage, taxes, escrow, principal, and interest. Also 3 additional months where covered. So my {$1700.00}, mortgage statement says NOW my mortgage is {$2700.00}, which is {$1000.00} more per month! BSI financial services also said I now owe {$9000.00}, back escrow, when a government program caught me up and my balance is {$0.00}, also just found out that BSI, didn't pay for my house insurance and I now don't have insurance on my home. They told XXXX insurance that they were sending payment, which never happened. I think they are trying to steal my house from me. Please help.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, EQUIFAX INFORMATION SERVICES LLC reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card 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 These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX, I opened a XXXX bump-rate certificate account with an advertised 5.1 % APY and an initial deposit of {$25000.00}. On XX/XX/XXXX, I had the rate " bumped '' to the new advertised 5.15 % APY. On XX/XX/XXXX, the account reached term and closed, and I was credited with {$1200.00} in interest, which is only an effective APY of 5.03 %. ( The expected APY, taking into account the bump, should have been about 5.11 %. ) Upon discussing with the company, they told me I selected an annual compounding frequency resulting in the discrepancy. This was not my intention and I acted according to their wording at account opening. At account opening, I was asked to select a " Dividend payment account '' ( the options for which included an external account ) and " Dividend payment frequency '' for which I selected " at maturity. '' My understanding given these options and the wording which included the term " payment '' was that a more frequent schedule would remove ( " pay '' ) funds FROM the account ( especially given the option of an external account ) and thus make them ineligible to earn interest. Hence, I selected " at maturity '' assuming this would result in monthly compounding. 

Furthermore, the Rate & Fee Schedule states the following, which support my argument : " The Annual Percentage Yield is based on an assumption that dividends will remain on deposit until maturity. '' ( The funds did remain on deposit until maturity. ) " Dividends for all accounts will be compounded and credited monthly. '' ( This directly contradicts what happened. ) I spoke to the company about this approximately 30 days ago and was promised a follow-up, which I never received. I spoke with them again today, XX/XX/XXXX, and was told there was nothing they could do since I am the one who made the selections. I feel as though I have been defrauded by the poor wording ( they could have easily instead used the clearer term " compounding frequency '' ) as well as the contradictions to their own terms.
Product: Debt collection

Company calls multiple times a day and after they call they send a text and an email. They are violating California debt collection harassment laws and need to stop communicating with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Diversified Adjustment Services has an open account on my credit report which I challenged with XXXX XXXX. I filled out complaint form and requested written verification of debt 15 USC 1692g sub 809 ( b ). This company does NOT have my permission to open an account using my information. I have NOT done business with this company and they have NOT produced a wet ink contract between myself and said company.
Product: Debt collection

I have no knowledge of this balance. I've received XXXX ledgers from the rental company and they both reflect a {$0.00} balance. I spoke with the company and they also have no knowledge of this balance. The company requested that I dispute the charge due to them not knowing what to do or how to move forward and rectify the situation.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the improper debt collection practices of Credit Associates Inc., evident in case XXXX, heard in XXXX XXXX XXXX on XX/XX/year>. While Credit Associates Inc. provided an itemized breakdown of the alleged debt, their documentation omitted a {$100.00} payment that my wife had already made. This omission raises concerns about the accuracy of their records and their compliance with the Fair Debt Collection Practices Act ( FDCPA ).

Summary of Complaint : Omission of Payment in Itemized Breakdown : Although Credit Associates Inc. submitted an itemized breakdown of the alleged debt, this documentation failed to account for a {$100.00} payment my wife made toward the balance.

The omission of this payment calls into question the accuracy of their records and their overall claim against me.

Failure to Verify Debt Accurately : Under 15 U.S.C. 1692g ( b ) of the FDCPA, I have the right to request verification of a debt, including a detailed breakdown of charges and payments. By submitting incomplete and inaccurate information, Credit Associates Inc. failed to provide proper verification as required by federal law.

Improper Legal Action Without Correct Verification : Credit Associates Inc. initiated legal action without first ensuring the accuracy of their records. This resulted in a judgment being entered against me based on incomplete evidence, causing significant financial and emotional hardship for my family.

Lack of Transparency in Communication : Prior to the lawsuit, Credit Associates Inc. did not adequately address my requests for debt verification or provide clear communication about the alleged debt. Their failure to account for my wifes payment further demonstrates a lack of transparency.

Impact of Their Actions : The omission of my wifes {$100.00} payment and the subsequent judgment entered against me have caused undue financial and emotional strain. This situation underscores the importance of requiring debt collectors to ensure accuracy and compliance with the FDCPA before pursuing legal action.

Intent to File a Motion to Vacate : I intend to file a motion to vacate the judgment in case XXXX due to Credit Associates Inc.s failure to provide accurate and complete verification of the debt.

Requested Action : I respectfully request that the Consumer Financial Protection Bureau investigate this matter to determine : Whether Credit Associates Inc. failed to accurately verify the debt and account for all payments made.

Whether Credit Associates Inc. violated the FDCPA by pursuing legal action without proper and complete verification of the debt. 

Thank you for your attention to this matter. Please let me know if additional documentation or information is required to support my complaint. I am committed to resolving this issue and ensuring accountability for debt collectors who fail to comply with federal laws.
Product: Credit reporting or other personal consumer reports

My recently checked updated personal credit report still has some unauthorized credit inquiries still remained on my personal credit report. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. I know your investigation is complete, and you find my allegation to be true, please remove these inquiries, inaccurate names and addresses from my credit file. Here are the remaining items for removal : 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 TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please help me remove them as soon as possible.
Product: Checking or savings account

This account was opened when child was XXXX. He admitted to the crime. I had no involvement. XXXX XXXX would like to be100 % responsible. The bank is trying to get me to pay back crime money because I have good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX 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: Mortgage

Mortgage lender adjusted estimated amount needed for escrow-did not provide one-time payment option. Mortgage lender did not timely process the request for escrow removal from the account. Mortgage lender then treated timely auto-payment as insufficient and did not apply to principle and interest of loan. Despite having been contacted via telephone by borrower claimed payment received over 30-days late to credit agency.
Product: Checking or savings account

I opened a citi savings account on XX/XX/22 and transfer {$24000.00} from my own salary accounts to Citibank savings account via ACH transaction. Suddenly, Citi closed account on XX/XX/22. Citi held all funds. Customer service would not tell me why. They kept saying that I had to wait for a letter, which had a reference code. I really don't care if citi wants to close my account. But in the meantime, I have NO ACCESS to my money. I have already been waiting for a month- and citi still just keeps telling me " 30 to 60 days ''. This is ridiculous that I am unable to access my own savings. I had considerable amount saved there. I talked to at least a few different fraud analyst and they have a standard script to repeat every time. NO ONE at citi will tell me if my account is still being " reviewed ''. If, or when, my account will be closed.

NO ONE at citi will tell me when their so-called " 30 to 60 day '' timeframe starts or ends. This is an open-ended, non-defined, ongoing timeframe.

NO ONE at citi will tell me by what date I will be receiving a check for my balance - or the amount it will be.

I am running out of money that I had in my savings account and I need my money. I don't know what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX XXXX Balance - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance - XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year I have been trying to get Wells Fargo Dealer Services ( WFDS ) to report my car loan to XXXX. I was having problems getting a resolution with the main customer service center and I was then referred to the Office of the President to have my issue resolved. My issue was then resolved back in XX/XX/2018. XXXX has been experiencing security breeches so I constantly stay abreast of my report. I noticed once again that my car loan through Wells Fargo Dealer Services ( WFDS ) was removed again. I called to get it resolved and was told to get a copy of my report directly from XXXX to confirm. I called XXXX  and they confirmed it is not on my report and I also received my report from them which was 83 pages. Indeed it is not on my report. I was told by WFDS to send a copy of the report so they can verify that it is not there. I did not feel comfortable sending my report and asked for another way. I was told there is no other way. This seems unreasonable. If they have a direct contact with XXXX I'd rather them utilize it rather than harassing me for my credit report. This is keeping my score from increasing. I keep getting bounced from person to person at WFDS and even though I ask for a supervisor I dont get one. I was only able to leave a message one time for a supervisor and that person never called me back.
Product: Debt collection

I received a debt collection notice from IC System Inc for a XXXX XXXX account. 
IC System XXXX XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX I never opened up this account. It's also showing up on all three of my credit reports as a delinquent account. This is fraudulent. 

Address XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2023 Responsibility Individual Account Account Type Open Account Loan Type XXXX Balance {$1600.00} Date Updated XX/XX/2023 Payment Received {$0.00} High Balance {$1600.00} Past Due {$1600.00} Pay Status >Collection< Date Closed XX/XX/2023 Estimated month and year this item will be removed XXXX/2030 Remarks PLACED FOR COLLECTION
Product: Credit reporting

My inquiry  to the County Recorder of Deeds and U. S. Bankruptcy Courts confir med TransUnion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public recor ds may, and oftentimes are, reported by third party sources unaw ares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.   The Credit Bureau needs to provide me with copies of all documentation associated with thes e Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my   signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under "  Public Records '' n eeds to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the  Federal Law, you ha ve exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act  623 ( a ) ( 3 ).    Per  the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) -  all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.   I have given TransUnion multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated.   I am hoping this matter will result in the removal of the bankruptcy from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion, XXXX and XXXX on several occasions to request that they PERMANENTLY remove a FRAUD ALERT that was placed on my credit file by each of these three credit bureaus. I NEVER requested that this FRAUD ALERT be placed on my credit file. These three credit bureaus placed this FRAUD ALERT on my credit file without ANY authorization by me, without even contacting me about this FRAUD ALERT. There was a FRAUD ALERT placed on my credit file again recently on XX/XX/XXXX and again on XX/XX/XXXX. Every time I contact each of these three credit bureau I am assured that they will take this FRAUD ALERT off of my credit file but then a few weeks after that they place the FRAUD ALERT on my credit file again and WITHOUT ANY AUTHORIZATION OR CONTACT FROM ME. 

I have threatened to file a lawsuit against each of these credit bureaus but they do n't seem to care. 

They have caused me to have 6 different credit card accounts to be closed because of this FRAUD ALERT that they insist on placing on my credit file. And one of these credit card accounts I have had since XX/XX/XXXX.
Product: Debt collection

This item is clearly an identity theft. Report was incomplete also! How will you verify this account that this is really mine?
Product: Credit reporting, credit repair services, or other personal consumer reports

I Originally disputed a bankruptcy appearing on my credit report with all 3 credit reporting agencies Experian, XXXX and XXXX back on XX/XX/XXXX. Obviously, this was filed under someone with the same name and appeared on my report but was an error. 

XXXX  deleted the file but it still remained on my Experian and XXXX  credit files. 
Everytime I've disputed the results returned verified. I've recently requested validation of public record from furnisher of information regarding bankruptcy on XX/XX/XXXX. The furnisher is the XXXX XXXX XXXX XXXX, XXXX Division not XXXX XXXX a third party source. Nor did they provide who they verified with, the address and phone number not courthouse along with documentation used to verify. 

I have contacted the court clerk and confirmed they do not report or furnish records to the credit bureaus.