23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Wednesday XXXX XXXX XXXX  I received a call from my sister ( XXXX XXXX ) she was very upset as she told me a debt collection agency had been texting her multiple times about my debt that I owe to them. This made me very confused because I would never give a family members number out so I did not understand how they got her number. Not only that they had disclosed to her my personal information about my debt including a picture of how much I owe my account number and a payment plan that they had made up. This was all sent through text message to her. This company is called The XXXX XXXX XXXX XXXX XXXX phone number ( XXXX XXXX ). I called at XXXX pm on XX/XX/year>, this was a XXXX minute phone call. I spoke with a manager her name was XXXX she said she was the XXXX at XXXX in XXXXXXXX XXXX. On this phone called I explained that I never have any type of consent to contact family members of mine of disclose my personal information. She kept saying it was a mistake and she offered to take 50 % of of my loan. This does not make up for the fact that now my family knows my personal issues and I did not want them to. I also would like to know how and where did they get my sisters phone number from?
Product: Debt collection

I disputed this alleged debt that Resurgent Capital Services is trying to collect from me. 
They had 30 days to investigate. They refused to investigate my dispute because they stated that I'm dealing with a credit repair company. This is not so. I have a double XXXX in XXXX, I have worked in XXXX for over 35 years I'm more than qualified to write and dispute an alleged debt that does not belong to me. 

I'm making a last goodwill attempt to get this alleged debt deleted from my credit report. If the results are not agreeable to me I will be forwarding this to my attorney to sue for damages for defamation of character and other Consumer Fair Credit Report violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following Collection Account with TransUnion & XXXX - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance - XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX and Equifax multiple times concerning the manner in which XXXX XXXX 's information is being presented on my credit report. This account indicates that it went into collections in XXXX of XXXX ; however, Equifax indicates that the last payment was made in XXXX of XXXX, while XXXX states that the last payment was in XXXX of XXXX. I requested a comprehensive investigation and asked for sufficient evidence that the investigation was caried out. Despite this, I did not receive any communication regarding my dispute. It is evident that a thorough investigation could not have been completed as there are still several inaccuracies present on my credit report. According to the law, XXXX and Equifax are obligated to ensure that they report information with the MAXIMUM POSSIBLE ACCURACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not mine. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX XXXXXXXX in XXXX and when i enrolled in school i was told due to me receiving XXXX income i am not Intitle to pay back the Student loan, Now i filled taxes and the government has told me that they cant make me pay back off of low income base money and they said that there scamming me out out of money on my credit report that i do not owe i get all my taxes and never gets garnish so i know there lying plus i am XXXX XXXX XXXX so its not cool on what they are putting on my credit report. its fraudulent information please make them remove this scamming information off my credit report.
Product: Mortgage

I have on three occasions sent a letter to Rushmore requesting that I should not be paying XXXX instead of the monthly XXXX which I had been paying. They said this is the escrow for my taxes. They claimed that my taxes have gone up. How did my tax go up by XXXX dollars? I also sent a letter to them requesting that I will pay my own taxes but they have not done so and their agents keep harassing me about my payments. Rushmore is a third rate company that is trying to get more money out of me and others. It is enough to look at internet about the comments on them. I never signed any paper with the other company ( XXXX  ) which is now being sued that I agree to a payment of XXXX. Hud representative was also involved in the whole affair.

I demand that they reply to my letter and that I will pay my own taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

My patience has completely ran out with the Consumer Affairs agency. This company is suppose to be handling my Identity Theft fraud case. I have filed several identifying documents that was requested of me, such as a, Federal Trade Commission Report, an official police report filled out by a detective at my local police station. I even contacted the companies in question advising them of my identity theft situation. Although a few accounts have been removed, there are still numerous accounts that are still on my credit report. This situation is a very obvious theft case, but the Consumer Affairs division seems to be bias towards consumers. I have did everything required of me, such as, filing the varies reports in detail as to the names of the accounts, dates that I noticed the theft, etc. Consumer Affairs refuses to remove anything off my personal credit report, even thou I have provided every piece of paper work and reports that they have asked for. The excuse they keep throwing at me is The companies have said that everything is accurate No real Investigation just taking the word of the companies that still remain on my credit profile. Im particular, calling out the name, XXXX XXXX, which is a supervisor at the Consumer Affairs division. I spoke with him XXXX time only concerning the documents that I needed to file and send in to them. Since I have did as instructed XXXX XXXX has been avoiding my calls like a break up in a relationship. He refuses to do his job correctly. Instead I believe XXXX XXXX is receiving some sort of compensation from said companies in question. Its to my understanding that The Consumer Affairs agency works for the consumer, not the credit card companies and loan companies. I refuse to pay for accounts that I never owned nor benefited from. I have advised XXXX XXXX that I would have to file a warrant against him for fraud, Identity Theft, and embezzlement. I want the accounts that still linger on my credit report removed thats in question. I have provided all the necessary documents and anything that they have requested. This XXXX XXXX character need to be fired and investigated for taking compensation from these companies. This is highly illegal and it carries felony charges.
Product: Debt collection

there are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX acct # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX acct # XXXX date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have had my information compromised several times. I have submitted documentation to compass bank and XXXX XXXX credit card several times pertaining to fraud on my bank account and credit cards to which I have not received any phone calls or assistance in resolving. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was compromised as well as in XX/XX/XXXX and XX/XX/XXXX. I have completed a police report in reference to said incident in which someone gained access to my XXXX XXXX account and processed a fraudulent transaction. This has caused many issues with my checking account in which the bank acknowledge and funds were released to said creditors. Compass bank has failed act reasonably to aid in this issue and closed my credit card.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items following Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$6800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

A response, explanation, and answer should always be based upon the complaint issued. The Credit Reporting Agencies dont answer and then closes the complaints. What a slap in the face! I sent many attachments ( Form 14039 Fraud Affidavit, sheriff 's report plus information on the person responsible for theft, identity theft, forgery and false pretenses. ) The Credit Reporting Agencies states they will enter my dispute into their system and review all information and any additional documentation you provide to determine next steps. The Credit Reporting Agencies did not review the attachments and closed the complaints. The Credit Reporting Agencies have found a way to circumvent the intentions of our government and the CFPB. Perhaps this is why we talk with overseas third world countries when we call. The overseas people with language barriers are the ones answering the complaints with " form replies ''. The Credit Reporting Agencies are not American companies. They are concerned more about money than America. Where is my government? Washington has failed taking care of this country.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  inaccurate open year and inaccurate pay history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inaccurate payment record. Record incomplete and inaccurate. 
You refuse to investigate?!!,.! 
I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

13 Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report, and I am like to invoking my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer. I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting. The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that you did your job.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Checking or savings account

I deposit an XXXX tax return check. But it is not posted. I wonder where is that check now?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Bank account or service

On XXXX XXXX, 2015 I tried to pay by debit card a massage service, but the card machine did n't work, so I paid by cash {$64.00} plus tip. However the bank Wells Fargo debited {$64.00} on my checking account. On XXXX XXXX, 2015 I went on the brunch XXXX XXXX XXXX XXXX, I talked to XXXX XXXX XXXX XXXX, who was n't nicely at all, he was unrespectful making jokes with XXXX, saying " he was really busy to take care claims from clients, but anyway ''. 
He did n't accept the card notes from the massagem business, I went to XXXX business XXXX times, on the XXXX time the girl from front desk accepted to buy a receipt paper, because the business does n't have receipts, they do n't work like serious business, I guess. 
So I came back to the bank and I requested to talk to the Manager, XXXX XXXX, he talked to claim department and explained the business filled with my informations and said that I paid {$64.00} by cash per services and the card did n't go though on Saturday. XXXX XXXX sent all proof by fax and he checked with Claim department if everything was enough. He told me to be calm everything would be fine and I would receive my money back, and he was a patient and nice manager, so I did n't close my account on Wells Fargo. A bank which does n't trust in our clients is not a good bank. Also this happened in XXXX PA. 
On XXXX XXXX, I traveled to XXXX and I moved to XXXX on the beginning of XXXX. Today, XXXX XXXX, 2015 I checked my checking account and I saw - {$64.00}, so I researched what was that, then I got the informations from Claim Department that the receipt was n't enough, I need to go the Business and request I printed receipt or something like that. 
How I can come back to XXXX to request a receipt from a Business who already had problems to fill the basic one? 
How can be possible a bank like Wells Fargo who says they care about costumers said to me, " Im sorry I ca n't help you '', if the bank who I trusted to work with ca n't help me, who can? How I can prove Im paying XXXX for XXXX single massage, a service I got because I hurt my back and I could n't walk. 
I ca n't go to XXXX right now and I do n't agree to pay XXXX for a bad machine.
Product: Debt collection

I have received repeated letters from Midland Credit Management stating that they would sue me for very old debt. I received a letter today stating that they intend to have a lawsuit filed against you, in an attempt to collect the debt. They have repeatedly used scare tactics to get me to pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account that does not belong to me. I did not authorize it nor did I authorize someone to open the account under my name. I have many accounts opened under my name and this one appears to have been opened by the same person. I have filed a police report and FTC. I have submitted everything to XXXX and can not get any assistance to remove this. I am reaching out to you for help.
Product: Money transfer, virtual currency, or money service

There was no confirmation for incorrect recipient which goes against compliance
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$3900.00} with XXXX XXXX XXXXI do not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX have violated my rights by furnishing inaccurate information. The reporting of inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. XXXX, Equifax and XXXX inaccurate reporting has damaged my livelihood. 15 usc 1681 S-2 ( a ) ( 1 ) ( A ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please delete the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Dear Consumer Relations : The reason for me filing this complaint is due to Equifax failing to update my credit report after sending them a copy of my social security card, Louisiana indentification card and XXXX credit report to open a dispute. In my dispute filed XXXX XXXX, 2016, I requeted information to be added that is missing. It 's been 15 days and I not received any confirmation from them of my inatial complaint and that an investigation has started. I am requesting that your agency nvestigate the issues within my complaint.
Product: Debt collection

I called and paid XXXX  on XX/XX/XXXX I was told they would remove from account. I disputed account with Experian  and they said I still owed them.
Product: Credit reporting or other personal consumer reports

LexisNexis requires you to request a report online, then sends you instructions by mail, to access the report online. This process takes weeks and is purposely designed to makes it difficult on the consumer.
Product: Consumer Loan

I received a loan from VW Credit which is a part of XXXX of XXXX for a 2015 XXXX XXXX XXXX. The vehicle is currently out for repossession and with the court preventing VW from selling any of these vehicles they are not willing to negotiate with me on the final balance. My fear is that they will take the car back and that I will still be responsible for paying the entire {$43000.00} loan amount. I have suggested that they take the car back and forgive my loan or wait until I am able to accept the VW buyback and then give them that amount and forgive the loan. I fell that this car was sold to me under deceptive and unfair trade practices by VW and VW Credit ( which is the same company ). I want to know what they will give me for the vehicle since there is no fix for it and they can not sell it.
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. 


Account name : XXXX Account Number:XXXX Account name XXXX XXXX XXXX Account NumberXXXX Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 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: Checking or savings account

I was repeatedly overcharged with maintenance fees and overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are fraud items : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX on my credit report. XXXX and XXXX investigated these items and identified they was fraud and removed them. Equifax refuse to do a proper investigation on these items and still have these fraud accounts on my report. I disputed these items 3 times with equifax and asked them for documentation of their investigation but have not received anything. I submitted a fraud report about these items but equifax still refuse to investigate and remove these items that are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is XXXX XXXX  to be on credit report. First date of delinquency is incorrect. Account was opened in XX/XX/2016 and no payment was ever made and it was sent to collections.