23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX I sent a debt validation letter to G.L.A. Collection Compton to validate a debt. Instead they sent me a copy of the billing statement of the alleged debt in the amount of XXXX dollars and XXXX dollars. It is my understandings that this company has failed to validate or verify this debt owed and has continued to report this to the credit bureaus damaging my credit report, which is a clear violation of the FCRA regulations. Please delete this information from my credit files and cease all collection activities.
Product: Mortgage

I was informed by mail that XXXX XXXX has purchased my mortgage loan. 
I submit a request for an accounting, a request regarding a list of collateral, and a request regarding a statement of account. In addition, I request a payoff statement. UCC 9-210 A secured party that claims a security interest in all of a particular type of collateral owned by the debtor may comply with a request regarding a list of collateral by sending to the debtor an authenticated record including a statement to that effect within 14 days after receipt. UCC 9-210 A debtor is entitled without charge to one response to a request during any six month period. UCC 9-210 If requested by the account debtor, an assignee shall seasonably furnish reasonable proof that the assignment has been made. Unless the assignee complies, the account debtor may discharge its obligation. UCC 9-409 The assignee acquires corresponding rights under the modified or substituted contract. The assignment modification is a breach of contract by the assignor. UCC 9-405
Product: Credit reporting or other personal consumer reports

Delete late payment I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : FHA Mortgage Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. 
Status Updated : XX/XX/XXXX Balance : {$350000.00} Balance Updated : XX/XX/XXXX Recent Payment : {$5000.00} as of XX/XX/XXXX Monthly Payment : {$2500.00} Original Balance : {$390000.00} Highest Balance : - Terms : 30 Years Late Payment Date : XXXX ) XX/XX/XXXX Please remove the late payment for all inaccurate information, not update, update means the credit bureau is not working.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

The following items that I'm disputing are as listed : XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$25.00} XXXX XXXX XXXX XXXX - XXXX XXXX {$510.00} XXXX - XXXX - {$1300.00} XXXX XXXX - XXXX - {$5100.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1100.00} XXXX XXXX XXXXXXXX - {$310.00} XXXX XXXX XXXXXXXX - {$1800.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$3200.00} XXXX XXXX XXXXXXXX - {$730.00} XXXX - XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX - {$270.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX - {$180.00} Under the Fair Credit Reporting Act ( FCRA ) , I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.
Product: Mortgage

This is a belated dispute to the response supplied by imortgage concerning my complaint of XXXX 2015. Their claim that they needed an appraiser to finalize XXXX form XXXX to verify completion of my home renovation is still fraudulent. They are well aware that form XXXX can be completed by either the lender or it 's agent, an XXXX, an appraiser or a XXXX. Imortgage had already released funds for two previous draws on my account with the verification of completion using documents from my XXXX. It would follow logically that after he submitted his completed paperwork and pictures of the final completion of my construction they would have him sign the XXXX form and release my remaining funds. After I complained about the misappropriation of other of my funds to imortgages representative, XXXX XXXX, he decided he would delay my payments and demonstrate his power to control my money. I had already paid the XXXX {$150.00} for the final inspection but XXXX XXXX figured he had the right to see me charged another {$100.00} for an unnecessary appraisal. This {$100.00} is what I want to have returned from imortgage. 
The reason for my delay in response has to do with having to refinance my mortgage, and taking my complaint to the California Department of Business Oversight. They were able to convince imortgage to return the other amount that was misappropriated but imortgage refuses to refund my {$100.00} using their distortions of the XXXX Guidelines to make their case. Any further help you can lend to help me get my {$100.00} refunded would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft due to a data breach. Unauthorized accounts were opened in my name, and I am requesting their removal under 15 USC 1681c-2 ( a ). These accounts are negatively affecting my credit, and I did not authorize them.
Product: Debt collection

MRS BPO LLC collection text my number about another clients debt, asked if knew the person for a XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, equifax, and XXXX I sent documents fax and also mail letters to them I also contacted a few companies about this matter yet I still on my credit report and I would like for it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently i received a copy of my XXXX credit report and noticed multiple unauthorized opened accounts from Amex added to my credit file, i did not give permission for XXXX or any one else to run my credit, i did not apply for loans or any credit cards with Amex. XXXX gave Amex credit card company access to my credit file without my permission. 

there are 2 Amex accounts that are reporting balances and late payments in my XXXX credit file that do not belong to me and when ever i talk to XXXX they blame Amex and when ever i talk to Amex the blame XXXX saying they must have my file mixed up with someone else 's, and no matter how many times you contact either party. they keep blaming eachother, i feel as if i'm not getting any real investigation.
Product: Vehicle loan or lease

My car was repossessed by Fifth Third Bank in XX/XX/XXXX. I paid the balance of {$1000.00} which was to cover {$270.00} for the repossession fee, {$270.00} in past due payments, {$200.00} for my XXXX installment payment, and {$90.00} in late fees. I paid the bill in cash to my local branch in XXXX, TN. However, I still received a bill for my XXXX installment loan even though this should have been covered by the {$1000.00} I paid on XX/XX/XXXX. After contacting the loan department and being transferred to three different people who said I had been transferred to the wrong department I learned that the {$1000.00} had been applied to my principal only and not to the late fees and repossession fee as was indicated. I asked them to fix the payment to which I was told I had to call back the next day in order to speak with someone from the collections department who could fix this issue. In addition to this issue I still have never gotten an answer from the bank as to why I have a {$310.00} late fee that shows as a Check Loan Bill on XX/XX/XXXX even though at this point I had never missed a payment. I have been to two branch locations, talked with two managers, one bank representative, and countless people on the phone. None of which have been able to tell me why the Check Loan Bill occurs on my account. It is now 19 days since I was originally told someone would look into this issue and give me a call back and I have received no communication whatsoever about the reason this bill occurs on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my Equifax report which are aged at 7 years and 5 months. Equifax claimed they deleted the accounts for being 7 years back in XX/XX/XXXX according to my XXXX XXXX print out, but the accounts still remain. I reminded Equifax two different times that they promised deletion yet the accounts still remain. These two accounts were closed and eventually sold to a collection agency, this makes for four accounts showing on my report for two loans ( 2 were closed and 2 were their collections ). The original accounts were deleted from Equifax, but the two collection agency accounts are still there. XXXX  deleted all accounts affiliated in XX/XX/2018. And XXXX  deleted all accounts affiliated in XX/XX/2018. My records show deletion of all accounts to be legal as of XX/XX/2018. So Equifax is keeping these two collection accounts on my report without myself, XXXX  or XXXX  agreeing with their records. I asked them to send their unique records to me showing that the accounts are under 7 years, but they ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX  XXXX ), XXXX Account # XXXX ( XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX ), XXXX  Account # XXXX ( XXXX 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 a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a charge-off account on my credit report that I believe contains multiple inaccuracies. The account in question is associated with XXXX XXXX XXXXXXXX, and here are the details Please delate this account
Product: Payday loan, title loan, or personal loan

A collection or line of credit which is not mine and was not known to be and is fraud appeared recently on my report- the name is COMMONWEALTH FIANANCE located at XXXX XXXX XXXX, XXXX , PA XXXX per credit report and was opened XX/XX/2019 ( fraud ). There is no way to contact them and multiple complaints are online about the fraudulent company.the referenced account number is XXXX, related to a balance not owed but listed as {$580.00}.
Product: Vehicle loan or lease

I bought a car XX/XX/year> and the dealership used Ally Auto. I have made payments, all was well while working. In XXXX, I was unemployed. To prevent falling behind on payments, I called Ally and asked for a DEFERMENT - ONE PAYMENT DEFERMENT. They did some extension, charging me more money, and then these women started calling. If I speak to them, they scream over me and will not let me say anything. I XXXX XXXX- they say nothing. I start to say, " go on .... '' and they cut me off and start screaming. What are they saying? I do not know- they have XXXX XXXXXXXX accents, will not let me ask questions. Now, they are calling and mumbling on phone messages. I only know it's Ally because I XXXX the phone number. You can not understand these XXXX XXXX. I have not asked for an extension because it is them charging me more fees and they still report on my credit score. It does not solve the problem and only keeps me in a financial hole. They are being predatory, not helpful. Of note, I have been working and making payments and they will be caught up this month. Things will be back to normal by XX/XX/XXXX, but I do not want them on my phone. They are rude, unprofessional, ignorant and refuse to work with me, providing an appropriate solution. A deferment would have prevented me getting caught up on any payments in XXXX, XXXX and this month. They don't want to hear that. They want extensions, more money, more greed, more nastiness, more threats. Solutions are not what they want. I want your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I

appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report and noticed that the reporting companies where miss reporting information on my reports. I've reached out to them to correct these issues and have been told that they are not removing them. Examples listed below. 
this self-account ( XXXX ) is being reported as open by, Experian, XXXX XXXX but closed by XXXX. and the balance is different by each one. 
This account ( XXXX ) is being reported with mis account balance information, by XXXX XXXX Experian XXXX XXXX XXXX also being reported with mis account active dates. by all three, Experian, XXXX, XXXX. 
This account ( XXXX ) is being reported with in correct information on the balances., by Experian and XXXX. 
This account ( XXXX ) is being reported with in correct information on the last active dates., by XXXX, XXXX, and Experian. As well as XXXX reporting different balances. 
This account ( XXXX ) is being reported with inaccurate information on the last active dates by, XXXX XXXX Experian XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This block is not being requested in error ; this block is not being requested on the basis of misrepresentation of fact. I, XXXX XXXX, a Federally Protected Consumer, did not obtain possession of goods, services, or money as a result of this transaction. This request is not a duplicate. Experian has been furnishing fraudulent accounts onto my consumer report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports and I spotted unauthorized and fraudulent inquiries. I have not initiated any transaction with any company listed on my letter.
Product: Mortgage

I received yet another letter dated XX/XX/2022 from Freedom Mortgage asking that I accept their offer of CV-19 Recovery standalone partial claim by XX/XX/2022 ( note that the response date is a Sunday and not a working business day ). In the past year I have accepted this offer on various occasions via phone and via email, despite my dispute of this account, and Freedom Mortgage has not sent me the proper paperwork to commence repayment. This is what I stated in my CFPB complaints no. XXXX from XX/XX/2022 and no. XXXX from XX/XX/2022.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I acquired a credit report because I was interested in getting a loan. I found a large some of unauthorized accounts, inaccurate personal information, and unauthorized inquiries on my report with XXXX, XXXX and equifax. These accounts should not be furnished on my consumer report as they are in violation!!!! Under 15 U.S.

Code 1681B- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN COSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer I am demanding the deletion of the accounts listed above IMMEDIATELY!
Product: Consumer Loan

This lender continues to call my work phone number after numerous requests to remove said number. I have explained that I am unable to receive personal calls while at work, yet they continue. The last person I spoke to assured me that the number had been removed from their system. I have had difficulty paying this bill and if I lose my job because they continue to call, I will never be able to pay them. They have also been rude and intrusive when asking about the past due payments.
Product: Debt collection

Portfolio Recovery Associates attempted to collect a debt ( XXXX XXXX XXXX for {$700.00} ) from me which I had no knowledge of, upon contacting them I asked for validation of the debt but after several attempts no one could provide me with supporting documentation that this was my debt. They continued to tell me that the debt was sold to them therefore they have no other information. I disputed this debt with PRA and credit bureaus ( XXXX, XXXX and XXXX ). In XXXX of 2018 I received a letter from PRA saying that after investigating, they were closing the account and will notify the three major credit reporting agencies to delete the account. The account was deleted off all the credit reporting agencies. About a month or so later I started receiving threatening calls again from PRA about the same account. I explained that we have already discuss this matter and it was taken care of. I spoke with several people from PRA and they just continued to threaten and harrass me. They would call daily from sun-up to sun-down. Shortly after this account was placed back on my credit reports. I have tried disputing this again. I have screen shots of the collection being deleted from bureaus, along with disputes from the credit bureaus showing that indeed this account was deleted from my credit report.
Product: Debt collection

General Revenue sent out a collection letter XX/XX/2020. In this letter it states " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid.If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. Upon your written request within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 

General Revenue place this collection account on my credit report XX/XX/XXXXbefore validation was done, or even notifying me that there even was a collection account. I never received a letter from them until XX/XX/2020 and they mailed it out XX/XX/2020. 3 days after placing it on my credit report. 

I received this letter XX/XX/2020 and sent out a Request for Validation letter XX/XX/2020. This is not my account and has now dropped my credit score because this fraudulent account was placed on my credit report and the collection agency violated my 609 rights to have accurate information placed on my credit and gave false information and tactics in their letter of stating that sending written notice within 30 days to dispute the validity and placed this collection account on my credit before I was even notified that there was a collection account.
Product: Debt collection

I received a debt collection notice from XXXX regarding an alleged debt related to XXXX. I disputed the debt on XX/XX/year>, due to XXXX failure to complete my treatment, and I requested validation of the debt. Despite my formal dispute, XXXX failed to provide the necessary documentation to validate the debt. 

I requested the following from XXXX : A breakdown of charges ( including principal, interest, and fees ). 

Proof of the debt transfer from XXXX to XXXX, especially considering XXXX 's bankruptcy. 

Proof that XXXX has the legal authority to collect this debt. 

As of today, XXXX has not provided this information, and their collection efforts have continued without proper validation. I believe this constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act, which require debt collectors to provide proper validation and cease collection efforts until validation is provided.