23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX or XX/XX/2020. a fraudulent charge. was made on my XXXX account. My bank stopped credit card charge do to charge being out of state purchase. XXXX then tried to go in my bank account directly, but charge was still denied. So the debit left with XXXX. I tried to contact them through their website, but it was like a house of mirrors. Non of their options on their web page lead to a customer service rep. XXXX sold their debt of {$530.00} to Everest Receivable Service. They did call last week and I talked to one of their representatives ( XXXX ). I explained the situation, but he didn't want to hear that it was a fraudulent charge that XXXX let go through, even though my bank denied charge due to fraud, He asked me if I made a police report. My response was no, I did not know you could do that. I am receiving notices through the mail that I own them {$530.00} for a charge I did not make. How can these be resolved? Please advise me what I need to do. I don't feel like I should pay a fraudulent charge do to XXXX 's poor protection of their customers monies. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax information breach. I checked the impact of my personal information and received this response : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Product: Student loan

I Have provided proof in writing of XXXX XXXX dollars that was consolidated. proof!!! I have never been to a XXXX in my life. I need this handled. And there is absolutely no papers on that loan either ; I have proof of the XXXX XXXX not XXXX XXXX ; what is wrong with you people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the last time, I will make this complaint because i have an consumer law attorney that is ready to take these credit bureaus to court. 

1. The credit bureaus closed the wrong accounts!!!! I NEVER ASKED FOR XXXX AND XXXX XXXX ACCOUNTS TO BE CLOSED. I ASKED FOR XXXXXXXX XXXX AND XXXX XXXX XXXX TO BE CLOSED ON ALL 3 CREDIT BUREAUS. I NEED ALL LATE PAYMENTS DELETED OFF OF MY CREDIT REPORT! 

2. They missed the deadline of going past 30 days to conclude this issue. Its been more than 15 days and this is not fixed!!! THIS IS AGAINST THE LAW! 

3. I need XXXX AND XXXX XXXX ACCOUNTS BACK REOPENED NOW! I AM TIRED OF THESE CREDIT BUREAUS NOT DOING THEIR JOB!!!!! 

4. THIS IS THE LAST COMPLAINT I WILL BE FILING BECAUSE IF THIS IS NOT FIXED I AM COMING AFTER THEM AND EVERY CREDITOR WHO HAS IMPACTED ME NEGATIVELY BECAUSE OF THEM! THEY HAVE BROKEN MANY LAWS, AND THERE ARE XXXX OF DOLLARS THESE BUREAUS ARE GOING TO OWE ME AND THEY WILL NEED TO FIX MY CREDIT SCORE FOR FREE AND GET ME BACK TO THE XXXX LIKE I WAS YEARS AGO.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX computerized fraud which is the art of faking the identity of the signers electronic signature to carry out unauthorized transactions. 
I am also the victim of fraud which in legal terms fraud is an intentional deception to secure unfair or unlawful gain or to deprive a victim of a legal right. The purpose of fraud may be monetary gain or other benefits. 
XXXX. XXXX XXXX does not have a contract with the Service Provider who is listed on the promissory Note, however, the XXXX XXXX released funding to Service provider in breach of the contract with the XXXX XXXX XXXX. The XXXX XXXX paid the XXXX provider funding in breach of the Home Improvement agreement. 
XXXX. The Home improvement corporation agreement # XXXX on page XXXX states NO FUNDS SHOULD BE MADE PAYABLE TO Service Provider however, Service Provider XXXX collect Customers payment made payable to Home improvement corporation. The XXXX XXXX released {$16000.00} to XXXX XXXX which is in conflict to the terms outlined in this section of the XXXX improvement corporation agreement. 
XXXX. The XXXX company application for financing was completed by the XXXX provider. Their sales XXXX took the application over the phone. The name and business address for the seller on the finance application was the XXXX XXXX on page XXXX of the Promissory Note which is a breach of the XXXX XXXX XXXX agreement dated XX/XX/year> term # XXXX page XXXX. 
a. A breach of contract is a violation of any of the agreed-upon terms and conditions of a binding contract.. 
XXXX. The computerized signatures that appear on the financing application was used to legitimize and also used by the XXXX XXXX to release funding to the XXXX provider. This was executed without XXXX XXXX knowledge. The finance company did not contact XXXX XXXX via email or phone call to verify that this computerized signature was of her knowledge. 
XXXX. The XXXX company application was completed by XXXX XXXX sales XXXX over the phone and is falsified with an income that is inflated without my knowledge this amount was entered on the application. XXXX XXXX did not disclose the income of the amount entered on the finance application. 
XXXX. The finance XXXX is being deceptive to use the Home Improvement agreement as the contract they used to release funding to the XXXX XXXX. The home improvement name or pertinent information was not listed in the finance application or promissory note. 
XXXX. The XXXX company has failed to provide a contract to support this transaction with the XXXX provider. Every request has been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 medical collection accounts showing that dont belong to me. I have had these removed from one report but Trans-union and XXXX have investigated 3 times and refuse to remove information. I had XXXX and was able to get XXXX XXXX XXXX XXXX XXXX through market place which paid 100 % of my medical after a Small deductible which was made at XXXX. These charges are fraud! I have respectfully requested documents which have not been provided now I demand it be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FAIR COLLECTIONS & OUTSOURCING is trying to collect on an unknown debt and has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter on XX/XX/2020 demanding payment. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from the credit bureaus after requesting a REINVESTIGATION. It has been over 90 days since the initial dispute. By law, the maximum time to respond is 30 days for a re-investigation. This negative account in the amount of {$3700.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA.
Product: Credit reporting

I have been requesting verification of the following account that TransUnion continues to report on my credit file : XXXX Bankruptcy # XXXX. 

I demand that this public record XXXX Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! 

I have repeatedly requested tangible documentation whether electronically or hard copies and TransUnion has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified. I demand that this unverified account : XXXX Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account list below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX : Account number 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 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1681s-2 ( A ) ( 1 ) states 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

After reviewing my credit report I found many inaccuracies. The following accounts are inaccurate, yet your company continues to report inaccurate information to my consumer report. Under the provisions of the FCRA I am demanding that your agency proves to me in writing the accuracy of the reporting of the inaccurate accounts listed below. 
By law you have 30 days to provide me with proof of accuracy or these inaccurate accounts must be removed from my report. I have sent this complaint through the CFPB so it is timestamped, and I have attached my license and proof address to this complaint, and the CFPB sends me copies of this complaint so I have proof if need be, so I expect a prompt response from your agency. In the event that your agency fails to respond with the proper documentation that I, the consumer, has requested within the 30 day period, as a consumer I will follow up with whatever action is necessary as you will be held legally responsible for noncompliance under the Fair Credit Reporting Act, 15 USC 1681n. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. XXXX ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$520.00} XXXX XXXX XXXX  Balance Owed : {$2500.00} XXXX XXXX  Balance Owed : {$0.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Credit reporting or other personal consumer reports

I request that the following be removed from my report : LATE PAYMENTS : XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX Charge Offs : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX The list above violated my federally protected consumer rights to privacy and confidentiality under USC 1681s-2 ( A ) ( 1 ). 15 USC 1681 section 602 A, states, I have the right to privacy ; 15 USC 1681 Section 604A Section 2 states, a consumer reporting agency can not furnish a account without my written instructions. These companies should not be reporting as I never gave permission for the reporting per Section 1681a. I sent correspondence to the credit bureaus regarding this ; I was never notified in writing per 15 USC 1692g prior to accounts being on my credit report, within 5 days. See also 1692f ( 1 ). Furthermore, Privacy Act considerations, a delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act USC 552a ( e ) ( 4 ). For the above reasons, I hereby request the above be removed from my credit report in violation of the above stated consumer land privacy laws.
Product: Mortgage

My FHA mortgage loan servicing rights was purchased by SN Servicing Corporation in XX/XX/XXXX. I have a predatory FHA mortgage loan owned by XXXX XXXX XXXX XXXX, of XXXX, XXXX From the onset of SN Servicing Corporation 's involvement, I have disputed the balance they state I owe. I have written their company four times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and requested a mortgage transaction history and an escrow analysis from the inception of my mortgage loan to present. They have refused to accommodate my request all four times! Again, I have disputed the balance from the dawning of their involvement. I have no way of reconciling the balance they state I owe as well as the most sundry details of my account. This information is paramount to any borrower and required to comprehend the details of your mortgage loan! Each reply has not provided the documentation I have requested so therefore we are at a standstill. This company pretends to not comprehend Section 1024.35 of Regulation X or the Mortgage Reform and Anti-Predatory Lending Act, amendment to the Truth in Lending Act ( TILA ). XX/XX/XXXX I informed SN Servicing Corporation of the toxicity of my predatory FHA mortgage. I provided proof which substantiated all claims made, beginning with the first communication. The balance they claim I owe has fluctuated drastically and again, I have no way to reconcile any account activity. For a servicer to blatantly ignore my requests and pretend they don't comprehend the regulations and laws governing their servicing of my FHA mortgage is a travesty and injustice. I need your help, CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and the same accounts that I previously submitted a complaint about are still on my credit report. These accounst that are listed are fraudulent and does not belong to me. I have never filed for bankruptcy nor have I benefited from any of these accounts. I am a victim of identity theft so I am asking that this matter be resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request to have the inaccurate information removed from my credit report and provide proof of debt owed.  Eastern Account Systems  answered the initial complaint with the CFPB and by their own admission stated the name was not the same as mine and as they stated was missing a " letter ''. However, on the screenshot they mailed to me it was more than missing a letter. It was missing a letter and misspelled. Again, per the FCRA any inaccurate information CAN NOT be reported to the Credit Bureaus yet they are by their own admission reporting inaccurate information which if unresolved after this attempt I will be forced to seek legal action as well as report to the BBB. Also in their answer they stated  XXXX  as the original creditor with  ONE acc ount number but they are reporting  2 s eparate accounts on my credit report. Also they stated they are licensed to collect in Alabama but failed to provide entity number as I searched and there is no record of their entity in Alabama. Also requested they show my original account contract with charter showing where I opened this account. They only provide the same information as their initial response and no actual proof or information. I am emotionally stressed over this as this is the only collection account on my credit report and they are preventing me and my family from moving forward with personal matters that require positive credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 My fiance calls XXXX to see what their prices are for a home security system. He gives them my name, address, and birthdate ( does not give my SSN ) so that they can do a price check. They asked him if they can run my credit. He said NO and didn't complete the call with them. Didn't think anything of it. 

XX/XX/18 I see that a credit check from " XXXX XXXX '' has shown up on my credit file for Equifax. I don't even know what that is. I do some research and figure out that it has to do with XXXX. I call them immediately and speak with customer service. I tell them that I never authorized them to check my credit, so they need to get the inquiry removed. The first rep laughs and says there's no way to do that. I ask for a manager. The manager says there's no way to do that. I ask for his manager. That manager says I need to address it directly with Equifax. 

XX/XX/18 I finally figure out how to file a dispute with Equifax online, so I file it as " Unauthorized inquiry on my credit file ''. 

XX/XX/18 I get a response back that my dispute has been completed. I try logging in to their site, but am unable to do so. 

XX/XX/18 I call them and speak with someone in the disputes department who tells me that my dispute has been declined and that the only way to get it fixed is to contact the company that ran my credit directly. To which I replied that I already had. I asked to speak with a Manager because I didnt like his answer. His Manager gets on the phone ( her name is XXXX and she refused to give me any identifying information even though they asked me for 30 pieces of identifying information to even discuss my file with me ) and she tells me theres an internal process that the other company can complete to get the inquiry removed. I ask her what the process is so I can call XXXX and walk them through it, to get them to remove it. She tells me she doesnt know the process and no one does and that theres no further info. Then she tells me shes a supervisor and I ask ( AGAIN ) to speak to a Manager to which she responds : I cant transfer you to the manager because Im the last line of the escalation process. She refused to assist me any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card or prepaid card

Discovered fraudulent accounts opened in my name without my knowledge or consent. I have been unsuccessful in obtaining original signed contracts for these 2 accounts. One of these accounts was even turned into a judgment against me without my knowledge. I am just looking for signatures to be able to press charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  , MO XXXX XXXX XXXX Balance Owed : {$77.00} XXXX XXXX  XXXX Balance Owed : {$460.00} XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed : {$50.00} XXXX  XXXX Balance Owed : {$50.00} XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$91.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX****Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$89.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$600.00} XXXX XXXX  XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXX Balance Owed : {$320.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date : Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Chase bank banned me for life in 2012 and ever since I can not open an account there. I tried to find out why many times they refused to say. It's 9 years later and I am sure they just made a mistake and I don't think it's fair to anyone to shut down their accounts like that without any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from CBNA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CBNA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CBNA with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX, CT XXXX.