23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX keeps calling me repeatedly and also from unknown numbers to try to contact a person who does not live here. It is my sister-in-law who lives in another state. I have asked repeatedly to stop calling me and they will not. They call multiple times a day. It started the week of XX/XX/2018 and they have called today, XX/XX/2018, 5 times and 3 of the times were within 1 hour of each other. I have called and spoke to XXXX directly and 1 live person who actually called asking for my number to be removed as I am not that person and that person does not live here, never has, never will. They said okay and after called yet again, XX/XX/2018 at XXXX XXXX
Product: Debt collection

I am a victim of fraud and mail theft. XXXX alleges I have an outstanding charged off account that was opened in XX/XX/XXXX. They referred this account to Zwicker and Associates P.C. which is a law firm that specializes in debt collection. This law firm filed suit and a deputy from my local sheriff 's department delivered a Writ of Execution to my home in XX/XX/XXXX. XX/XX/XXXX is the first I have heard of this charged off account opened by a fraudster in XX/XX/XXXX. I have an active account with XXXX in good standing that I opened in XXXX. I have no knowledge of any account with XXXX opened XX/XX/XXXX. I promptly contacted XXXX by phone and after being passed around to several representatives I was directed to their Customer Protection Security Department XXXX. The representative that assisted me in that department conducted an investigation and deemed the account from XX/XX/XXXX as fraud and updated my file ( screenshot to be attached ) to reflect that I have been a XXXX customer since XXXX and not XXXX. I'm not sure why XXXX  and Zwicker want to conduct an additional investigation when I was already told by phone that this was fraud and I am not liable for this account. I would like this reinvestigated and I would like the CFPB to be provided with the recorded calls to XXXX on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX where I was advised the account was deemed fraud and my file was updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Experian XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
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. 

I DID NOT AUTHORIZE THE FOLLOWING COMPANIES TO PULL MY CREDIT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 companies have violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

Collection Consultants. XXXX XXXX. {$170.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.
Product: Credit reporting or other personal consumer reports

So I have a medical debt that I believe has been paid so I have been disputing this debt everytime it comes up on my credit report and it usually gets removed from my report then it always comes back through a different collection agency. This time when I disputed it they now have this debt on my credit report in collections as if it is two separate debts. The original debt was XXXX XXXX XXXX. They have reported on my credit as collection XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and National Recovery Agency. They now have it on my credit report as National Recovery Agency reporting collections for XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX reporting collections for XXXX XXXX XXXX. XXXX XXXX XXXX at one point was collecting the the XXXX XXXX XXXX. So I'm saying that National Recovery Agency and XXXX XXXX XXXXXXXX are reporting the same debts. I personally believe the debt they are both reporting was paid off by XXXX XXXX XXXX. I believe this debt should not be on my credit report at all let alone on there twice by two different debt collectors.
Product: Debt collection

Today on XX/XX/XXXX, I received a phone call from XXXX XXXX stating I owed {$290.00} to XXXX. I told them I had already paid this with another company and asked how long they had the account ; the lady stated 57 days and it would be reported to the credit bureaus on XX/XX/XXXX. I kept telling her I already paid and I owe nothing. Additionally, I checked my bank statements and it was indeed paid on XX/XX/XXXX to Credit Management and I called to verify with them and it was indeed paid. I feel like this may be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX is reporting the following accounts removed which clearly is not true. XXXX XXXX is reporting accounts removed but the accounts are still listed on my XXXX XXXX  XXXX and equifax profile : XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX is fraudulently reporting XXXX XXXX with remarks updated and added. There are no remarks and no updates
Product: Debt collection

NCA {$430.00} I am writing to formally request validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. The account in question appears on my credit report and is being reported as delinquent. However, I do not recall any outstanding balances owed to you and would like verification of its accuracy and legitimacy. As required by the FDCPA, please provide the following : 1. Documentation verifying that the alleged debt is valid and that I am responsible for it. 2. The original contract or agreement bearing my signature that indicates I agreed to the terms of the debt. 3. A detailed breakdown of the amount claimed, including any fees, interest, or other charges. 4. Proof that your company is authorized to collect this debt on behalf of the original creditor. 5. Documentation showing that the debt complies with state and federal laws, including the statute of limitations. Until I receive the requested verification, I respectfully request that no negative information related to this account be reported to the credit bureaus. If this debt has already been reported, please contact the credit reporting agencies to have the account marked as in dispute. If you are unable to provide sufficient evidence to validate the alleged debt, I ask that it be removed from my credit report entirely in compliance with the Fair Credit Reporting Act ( FCRA ). Please note that this letter serves as my good faith effort to resolve the matter. I am prepared to take further action if my rights under the FDCPA and FCRA are not respected. Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 30 days. Please respond in writing to the address provided above.
Product: Checking or savings account

I deposited my income tax check and they put a 60day hold because they said they cant verify my check and it has not been paid out to me from IRS and they have no way of verifying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is STILL reporting inaccurate and incomplete information months after I have disputed and made these issues aware to not only the bureaus, but the creditors!!! Why are you guys not actually investigating these issues and you keep willfully reporting incorrect information on my credit report which is keeping me from doing so many things in my life!!! Why are you doing this to me?? 

XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX There are at least 3 additional data fields that are reporting inaccurately across 2 bureaus Date of first delinquency is reporting inaccurately across 2 bureaus. 
There is no notice of previous dispute. 
The creditors name is truncated and unidentifiable. 
The account number is truncated and unidentifiable. 
The account has been charged off but, it is still reporting incorrect payment history.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. My name is XXXX XXXX. We have recently become aware of potential instances of identity theft and fraudulent activities that may involve accounts under your respective institutions. 

According to our investigation, we have reason to believe that individuals or entities have engaged in unauthorized transactions and account openings using personal information obtained through illicit means. As per our legal obligations under code 18 U.S.C. 1028A, we are required to undertake thorough inquiries to mitigate any further harm and protect the affected parties. 

Our inquiries specifically pertain to accounts associated with the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We kindly request your cooperation in providing relevant information and assistance in our investigation process. This may include but is not limited to account statements, transaction histories, and any other pertinent records that could aid in identifying and resolving these issues promptly. 

Furthermore, we urge your institutions to enhance security measures and implement stringent protocols to prevent similar incidents in the future. Safeguarding customer data and ensuring the integrity of financial transactions are paramount responsibilities that require constant vigilance and proactive measures. 

Please acknowledge receipt of this inquiry at your earliest convenience, and feel free to contact us directly should you require any additional information or clarification. We appreciate your prompt attention to this matter and your cooperation in resolving these concerns. 

Thank you for your understanding and cooperation. 

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

In accordance with the Fair Credit Reporting act 1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX, XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

Me and my father-in-law both have been harassed by phone by Esser James and Associates daily for 6 months. Esser James and Associates were looking for a woman named XXXX XXXX, who we have never heard of, and has never lived in our home. We contacted the Attorney General to make the calls stop, but instead of stopping, they moved on to calling my and my father-in-law 's personal cell phones. The calls stopped on my end when I let my prepaid cell phone run out. They have been relentless on my father-in-law 's phone, however. I 've been looking for solutions to make these people stop harassing my family looking for a person who does n't exist in my home, and who we do n't know, but have been unable to find a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ACCOUNT NO XXXX XXXX  : ACCOUNT NO : XXXX XXXX : ACCOUNT NO : XXXX XXXX XXXX ACCOUNT NO : XXXXXXXX XXXX XXXX XXXX XXXX. ACCOUNT NO : XXXX XXXX XXXXXXXX ACCOUNT NO : XXXXXXXX XXXX XXXX XXXX NO : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NO : XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT NO : XXXX XXXX XXXX XXXX ACCOUNT NO : XXXX XXXX XXXX XXXX ACCOUNT NO : XXXXXXXX XXXX XXXX ACCOUNT NO : XXXXXXXX XXXX XXXX  ACCOUNT NO : XXXX XXXX  ACCOUNT NO : XXXX XXXX5 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.

15U.S.C. 1681 c. ( 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.

45 U.S.C. 1681 s- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Act Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 Section c ( a ) ( 5 ) 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 7 years XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number # # # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX DEPT OF ED/XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX Account Number XXXX
Product: Debt collection

An original complaint was submitted to CFPB for Kikoff to show account w

as paid off. Company responded but still has not removed info on credit report resulting in negative affects on credit report. Reasonable time has been given and company still has not updated.
Product: Checking or savings account

XX/XX/2022 unsure of the amounts just received emails about opening a checking account. The account was created online with my information. I have no criminal knowledge
Product: Mortgage

on  XXXX / XXXX /   17  i received an escrow account disclosure indicating a shortage of {$3300.00} from PennyMac loan services.   The notice indicated that i had to pay immediately or the amount would be added to my mortgage.   On  XXXX / XXXX /   17 i r eceived a notice from my credit monitoring service showing that PennyMac had raised my loan amount from {$150000.00} to {$150000.00}. My latest mortgage statement shows my monthly payment increasing from {$1000.00} to {$1200.00} An increase of {$190.00} which can cause financial hardship to my current finances. I did not agree to any new terms with this company and have been told by their representative that they made an accounting error when applying the funds received from me. I was told that this happened due to increases in taxes and insurance but my insurance cost actually went down and my taxes increased by only {$400.00}. annually. PennyMac has failed to clearly explain what has happened here and violated the terms of my loan through negligence and poor accounting. They have sent disclosures with varying mathematical discrepancies that are so confusing that i cant understand. The amounts they ask for greatly exceed anything i can find in relation to taxes/insurance. My  credit score  has been damaged by them increasing the balance on my loan. PennyMac has put me in a difficult financial situation and now their marketing department is sending me offers to refinance my loan. I have good credit and always make payments on time. I feel fearful and threatened by this company and believe they are trying to force me into a new loan or force me out of my home by nefarious means. I have also contacted HUD/FHA and been unable to get a response from anyone at their national office.  PennyMac  has not followed agreements made between the original mortgage company (  XXXX   XXXX   XXXX   XXXX   ) a nd myself. I have attached the original first payment notification with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Transunion pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.