23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )/ XXXX / {$6800.00} XXXX ( Original Creditor : XXXX XXXX XXXX )/ XXXX / {$110.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Debt collection

I've sent you guys this complaint documents about credit concep well here 's their past suit for same thing .so now I have the irs involved how do I owe something that was paid. I have power of attorney of principle. They did not disclose that they changed my account number 3 times their 3 credit transaction on my credit report this XXXX shows different and again you gave every reporting agency since XXXX of last year chance to clean up their fraud.i sent oaths of their accounting statement so basically all reporting agency need to remove this as law states in 3 days period.i mentioned to irs I submitted these documents to the reporting agencies and their confused on all the verified information.so let experian XXXX XXXX since they are illegally disputing wrong and their statements and recording have been sent as materials they need to have this removed immediately not 30 days 15 3. Because they are taking money from the government trying to retaliate on me my account needs to be changed to XXXX balance paid as agreed. Or ask every party who doesn't fix this to prepared to answer to the irs and treasurery
Product: Credit reporting or other personal consumer reports

Trans Union, XXXX, XXXX and XXXX XXXX XXXXXXXX. According to my credit report, I was reported as being 30 days late on my mortgage payment in XXXX of 2023. However, I have evidence to prove that this information is inaccurate. 
Despite making timely payments, their erroneous reporting has resulted in unjustified damage to my credit score. 
I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the Bureau to hold Trans Union, XXXX, XXXX and accountable for their failure to adhere to fair credit reporting practices. 
Please inform me of the steps you will take to address these complaints and the expected timeline for resolution. 
Thank you for your attention to this matter.
Product: Money transfers

Someone impersonating our grandson called us on vacation from XXXX XXXX, XXXX XXXX needing money to stay out of jail. He crashed a rental car and hit someone and there was alcohol involved. He was hurt and then handed the phone over to the police official, XXXX XXXX, and he indicated that we would need to wire {$1900.00} in order to pay for damages. He would then be put on a plane and sent home. We later found out that our grandson was home all along.
Product: Debt collection

Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX XXXX  the balance on this account Delete account from all consumer reports Your company can purchase this alleged debt. However, you can not purchase my information. You are infringing on my right to privacy which is a federal violation. I have the resources to take this as far as needed. I will not hesitate to sue if this is not resolved. Best, Without prejudice, all natural inalienable rights reserved.
Product: Debt collection

My husband and I received a letter from I.Q Data international stating that there is an unpaid balance from our old apartment complex. 

I am not sure if this is a scam? This account has been paid since XX/XX/2023 and there are records of it. So to receive this letter is alarming. 

If this is a true letter I am requesting this company be penalized for not conducting a thorough review before reaching out to us and causing undo stress.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report I noticed a few accounts that do not belong to me. I do not know who these companies are reporting and I haven't given my info to anyone. Here are the accounts below : XXXX XXXX XXXX XXXX Acct # : XXXX Balance : {$20000.00} Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$460.00} Opened : XX/XX/XXXX XXXXXXXX XXXX- XXXX Balance : {$3600.00} Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2200.00} Opened : XXXX XXXXXXXX XXXX XXXX- XXXX Balance : {$130.00} Opened XXXX XXXX
Product: Mortgage

We have been corresponding with your company since XXXX of XXXX  and you have not attempted to send us restitution.
Product: Mortgage

Citibank N.A. denied our mortgage refinance application stating that we had insufficient income for our total obligations. When they calculated our debt to income ratio, they used 1 % of my total student loan balance instead of the income based repayment that I have always utilized. I submitted proof showing all of my payment history as well as my last billing statement from XXXX before the loans went into deferment as specified by the U.S. Government due to Covid. They stated that the last billing statement was not recent enough although there were no additional statements generated by XXXX. I have discussed this in great length with my loan officer via phone and email but the underwriter still asked for XXXX statements that did not exist. This is discrimination because I have provided all of the available proof.
Product: Mortgage

So I got a copy of of my payment history from XXXX XXXX XXXXXXXX and its showing some type of like corporate advances and stuff like that for XX/XX/XXXX. However the loan was transferred XX/XX/XXXX so it doesnt make sense why theres still activity in XXXX XXXX XXXX and with Celine finance Ive tried to do a modification Im not getting any correspondence from them also Ive asked him for payment history they dont have anything like that. The one was just transferred in XXXX. They have not been able to do a modification or help me include a home is in a foreclosure status, which is very weird, Im trying to get some assistance and I can not and I need some help. It seems like some type of fraudulent activity is going on. I would greatly appreciate if you guys could look into the situation from XXXX XXXX XXXXXXXX to Celine finance and help me out I would greatly appreciate it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

late not true : FCRA violations send proof of it or remove it : XXXX XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Mortgage Balance on XX/XX/XXXX Loan Amount - {$420000.00} Payment Info Status Account renewed or refinanced Status date XX/XX/XXXX XXXX XXXX - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Lease Balance on XX/XX/XXXX Loan Amount - {$16000.00}
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax mishandled my private information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website. The breach happened in XXXX and Equifax did not notify anyone quickly enough. In addition, they admit that they will not notify everyone which is morally wrong to all affected persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent Equifax 4 different dispute letters over the last six months asking them to provide validation and the show that I owe this debt by showing my signature on the contract that I signed with XXXX XXXX XXXX XXXX. According to section 609 of the FCRA, they are required to show a contract with my wet ink signature on it and it has to be 100 % accurate, but they keep sending copies of my signature and saying that they verified the debt when they have not. Also, I received the letter from XXXX XXXX XXXX XXXX on XX/XX/2020, stating that they were unable to locate an account with my name and account number, I also sent the copy of this response letter from XXXX XXXX XXXX XXXX to Equifax, but Equifax still says they verified that I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting numerous Dispute letters and CFPB Complaint against the Credit Bureaus and I am submitting this this another CFPB Complaint once more to request to the Credit Bureaus to correct my Credit File from erroneous reporting of information. Under the FCRA, the Credit Bureaus are required to finish their investigation within 30 days and send a copy of proof of verification to the consumer, however, despite my constant submission of dispute letters to the Credit Bureaus, they have failed to provide me the necessary documents. I am submitting this CFPB complaint to remind the Credit Bureaus to once again take a deeper look to my Credit File and correct any misleading information that can be found on my Credit File. I need the following accounts corrected at the earliest possible time : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXT XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked the credit bureaus to do a verification and they done so, they researched on my report and stated that is was accurate but I done a thorough researched on my report I've found improper items on my report that's I found inaccurate. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with the Fair Reporting act XXXX Account # 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 consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX/ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX My brother was killed ( XXXX ) in XXXX last year on XXXX XXXX. 81 days later my father passed away from a XXXX XXXX/XXXX  of losing my XXXX XXXX XXXX XXXX XXXX age XXXX years old. The Army is currently XXXX me under lone survivor to take care of my family deaths. <P/> Nation Star Mortgage Company is the loan # XXXX. They are not recognizing that I am a service member of the XXXX XXXX. I have been denied loan modification and they are proceeding in foreclosure. I wish to stay in the home, I have no where to go. Nation Star mortgage has had home inspector come to resident and I have been harassed numerous occasion. Their home inspectors have pulled in my driveway and yelled pay your " XXXX Mortgage ''. They do n't know the circumstances and the home inspector when I came out into the driveway he reached in his car and got a bat. I told him to leave and called police. Their home inspectors keep pulling in the driveway taking pictures and speeding off. I followed numerous inspectors and told them to stop stalking my house and sitting in front taking pictures for 10-mins. My wife has recently purchased a firearm because of the harassment. Nation Star said their house inspectors, the gentlemen who approached my wife on the property said he was with the bank. I suffer from XXXX I served XXXX XXXX XXXX in XXXX XXXX, XXXX, XXXX and XXXX I have contacted MD sheriff XXXX and he said they are n't allowed to do all this. Sheriff XXXX said their breaking the law for even putting the house in foreclosure status. If they come on your property again we will arrest them for trespassing and advised me not to discharge my firearm unless they try to come in the property. I currently had friend a XXXX Police officer XXXX XXXX XXXX staying with me at the residence to make sure nothing happens anymore. <P/><P/> Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX Social Security : XXXX Date of Birt XXXX XX/XX/year> Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX This information provided to the Transunion credit agency is not mine nor does it belong to me. I request that it be removed as soon as possible. Today I downloaded my credit report and found that report. Please remove it. Thank you.
Product: Debt collection

This is the third time I have had a collection agency contact me regarding a debt I paid in XX/XX/2012. The original debt was with Citibank. I settled with them for an amount less than what was owed. My attorney worked with theirs for the settlement. I have reported this to the CFPB before, but it happened again. I don't know if this is some sort of fraud, or attempted fraud, or if Citibank did indeed sell the balance of what was originally owed to another company. This time I was contacted by XXXX XXXX or XXXX XXXX XXXX. XXXX. They had all the dates of when I opened the account, the amount originally due, etc. and the last 4 of the account # and the last 4 of my social. They told me the debt had been purchased by XXXX XXXX XXXX. I can't find either company online. I told them that I had paid the account and they told me that if I could provide the entire account number of the account ending in XXXX, they would make a note to stop collection attempts. She said it was a MasterCard. The rep I spoke to gave me her direct line so I could look for it and call her back, XXXX. When I went to look for the account number, I realized that the account ending in XXXX was my Citibank XXXX XXXX. I called her back and told her I would not give her the number and that it was an XXXX, not a MasterCard, and that I had a letter from Citibank dated XX/XX/XXXX ( from my last complaint to the CFPB ) stating that the account was settled and that Citibank has not sold the debt. She told me that she would " put a note in my file '' stating this and she wouldn't send her legal document server out to my place of employment. They had threatened this on a voicemail. I offered to email a copy of the letter and she said it wasn't necessary. That alone is strange. She is trying to collect a debt, but takes my word for it that I paid it already?
Product: Credit reporting or other personal consumer reports

A request was submitted numerous times, most recently in XX/XX/2023 to have this inaccurate reporting removed from my credit report. They responded claiming this account was accurate, but I am not liable for this debt with Townhomes of XXXX XXXX for {$15000.00}. I do not have a contract with XXXX XXXX XXXX XXXX. They did not provide me with the original contract as requested.
Product: Checking or savings account

I was a victim of identity theft, I had bank accounts at XXXXXXXX XXXX XXXX XXXX and XXXX XXXX open fraudulently. I notified US BANK in XXXX of XXXX and I have not received any information regarding my concerns. I also sent copies of the police report and letters from the previous banks showing the identity theft in XXXX and I still have yet to hear from anyone at US BANK. On XX/XX/XXXX I refiled my claim, the denied my claim, the person at the intake center said it was denied due to it was a duplicate account. I want to resolve this I have being waiting for 6 months to have this matter resolved. 

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

Equifax continue to keep inaccurate information on my credit report. Inaccurate information on my credit causing denied of owning my own car. XXXX never produced ORIGINAL CONTRACT SIGNATURE BEARING THAT SAYS I OWE XXXX ANY DEBT AND IF XXXX CAN'T DO THAT IN 30 DAYS EQUIFAX NEED TO DELETE IT. XXXX keep saying they don't own this bill and they represent XXXX they don't. If they don't own this bill why XXXX Continue to send bill in their letter heading. I don't OWE XXXX NOTHING. KEEP SENDING BILL AND I CONTINUE TO ASK XXXX FOR ORIGINAL BILL BEARING MY SIGNATURE. XXXX, EQUIFAX AND XXXX HAS MADE MY LIFE XXXX XXXX XXXXXXXX. The information on my Equifax and XXXX credit report is inaccurate information. They refuse to remove it off my credit report. Again if XXXX CAN'T PRODUCE THE ORIGINAL CONTRACT SIGNATURE BEARING THAT SAYS I OWE ANY DEBT IF XXXX CAN'T PRODUCE WHAT I ASK FOR THEN DELETE IT.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit 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 : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

Received a notification by mail from Interstate Recovery Service saying a debt has been assigned for magazines for {$940.00}. I do not owe this money. I sent a certified letter requesting proof of debt within 30 days of notice.. I did receive the return receipt. I also received another form letter identical to the first. No proof of debt mailed. I see online this is a scam company. Id like a complaint filed. I never have owed money to a company called XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities.
Product: Debt collection

I have a Hard collection of {$560.00} on my Credit Report for XXXX posted by Sunrise Collections in New York. I have never ordered or had any dealings with XXXX and secondly if this is a legitimate collection then why have I never received any notice from Sunrise Collections in the mail, by phone or any other means of communications to collect a debt. I have sent letters to Sunrise Collections to remove this from my credit report and they have not done so. I have sent the same information above to the Credit Bureaus and they say the collection is accurate ( not sure what that means since I have yet to be sent anything accurate ). I have contacted XXXX corporate and they can not find any records of me every having an account with them ever or anything ever going to collections and XXXX was supposed to be sending a letter to Sunrise Collections but I have no proof that it was ever sent. I have exhausted every means I know of to have this false collection placed upon my Credit Reports and wish it to be removed. On the credit report there is no account number or anything to even reference this accusation. Please do what you can to correct Sunrise Collections as soon as possible.
Product: Debt collection

This company Transworld Systems is trying to collect {$110.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Transworld Systems with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Transworld Systems. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Transworld Systems. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX refused to remove fraudulent accounts from my credit report. These fraudulent accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furn End of Report