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

XX/XX/2023, letter was sent to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX a letter to the courthouse asking do they report bankruptcies to the credit bureaus. On XX/XX/2023 I contacted the XXXX XXXX XXXX house to see if letter was received. ( XXXX ) XXXX. I ask the clerk do they report bankruptcies to the credit bureaus? They stated they do not report any bankruptcies to anybody. So, how did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) states ; The terms " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer report agency when such information was obtained directly from a creditor of the consumer or from the consumer. My rights violated numerous time. The credit bureaus violated my given right under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States have the right to privacy. According to 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. According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX are all governed by 15 USC 1681. and theyve violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681, I have the right to privacy and I did not give written permission to furnish these accounts. I am a natural person. I have rights under 15 USC 1681 that I am enforcing. Accounts : 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: Payday loan, title loan, or personal loan

When I called a representative kindly agreed to have this late payment removed from my account now. That it has been paid in full and I have since been on time with all recent payments.
Product: Credit reporting or other personal consumer reports

Dear Debt XXXX ... ( See List Below ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXXXX/XX/XXXXOpened XXXX {$630.00} XX/XX/XXXXOpened XXXX {$740.00} XXXX XXXX XXXX Opened XXXX {$1500.00} XX/XX/XXXX Opened XXXX {$2100.00} XX/XX/XXXX XX/XX/XXXX Opened XXXX {$2600.00}
Product: Debt collection

I talked to NR Solutions on Friday XX/XX/XXXX. They claimed I owed XXXX debts but couldn't verify what it was for. I sent a letter requesting the debt to be verified and more information so I could even know what the debt was for. I never got a response. Now they have called me on XX/XX/XXXX, XXXX, XXXX, every XXXX days and still called today XXXX.
Product: Debt collection

This is not my debt. I have recently been monitoring my credit report and This company has listed two collection accounts on my credit report within the last week. I have tried to contact this company several times with no luck due to rude and unprofessional service. I do not have an account with this company nor do I owe them for this debt.
Product: Credit card or prepaid card

I find out some charges that are not mine I did not had the card on my possession I opened a claim and on the same day they closed They said because I got benefit of the purchase I wasnt even at home I was XXXX miles away on those days I never received any service And the hotel charges are not mine I did not stay there. The hotel has canceled all the stays because they did not had a room ready after 8 hours of waiting I was told they will refund they did not so I called the credit card They took the statement and resolved as soon as we hung up saying Too bad I have called them several times with new info but they just ignored me
Product: Credit reporting or other personal consumer reports

Hello, My personal information has been compromised in several data breaches. Ive attempted to correct the inconsistent data on my credit report several times to no avail on record for the past XXXX  years. The inaccurate information will get deleted, then similar incomplete information gets inserted back on to my credit report. These unknown accounts do not have complete or accurate information, nor will the furnishers provide detail or elaborate of their investigative sources for information. Which is a violation to my right and their failure to disclose. Ive been informed to contact the XXXX main credit bureaus Equifax, XXXX or XXXX that all information has been verified. Its a repetitive circle with no relief which is not what is disclosed of in XXXX. I have been negatively impacted by this and it has severely impacted my credit worthiness, character and ability to pursuit of contractual obligations, lack of full disclosure and my individual rights to privacy. I am requesting the findings in full disclosure and deletion of all derogatory and defaming information until I have had time to review, contact and respond to these furnishers for accuracy. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My US DEPARTMENT OF EDUCATION accounts on TRANSUNION have been illegally RE-AGED after Dispute for deletion for INACCURACIES & INCONSISTENT! Account should have been FIRST DATE of Delenquency back in XXXX or XXXX. Account should have been off my Consumer Report. Account begins on XX/XX/XXXX in COLLECTIONS!? DOLA has been changed. 

I did not contact anyone or make payments for months to reopen this destroyed account or give written permissible purpose to furnish US DEPARTMENT OF EDUCATION accounts XXXX & XXXX TRANSUNION
Product: Mortgage

The issue seems to be that before closing on the sale of my home, the lender decided to charge me next month 's escrow when they knew I was closing. I noticed the discrepancy and called them. It took them XXXX minutes to figure it out. I was told that they were aware of the error and the check was mailed on XXXX XX/XX/year>. It is the XXXXXXXX XXXX XXXXXX/XX/year> and they have not sent the {$790.00} they owe me. I called them XXXX weeks after initial contact and was told they had 30 days to send the check. Well, is been more than 30 days and it appears they refuse to relinquish my funds. Below, I am attaching the first payoff quote, which is less than the second quote. This reflects the additional escrow charge, also I am providing an image of what appears to be money owed to me on the mortgage statement. At least I was told that is what they owe me when I called.
Product: Debt collection

Continuing to call, despite being asked to put a note in their file to not call until issue is resolved. Talked to another woman today, I was asking legitimate questions in a calm manner, she was extremely rude and disrespectful towards me.
Product: Payday loan, title loan, or personal loan

When I purchased furniture from Ashleys XXXX XXXX in XXXX Mississippi on XX/XX/2022, the store clerk incorrectly entered my information from my paperwork and instead put the details for my mother, XXXX XXXX ( not XXXX XXXX as her account information shows ) who already had an Ashleys account and bought something the same day. I noticed the error and asked the clerk to correct the details. Somehow, the error remained, and it has caused a massive amount of trouble for me and her. 

The furniture was not delivered for several weeks until XX/XX/XXXX, because the delivery address was to my mothers home in XXXX, Mississippi and not my own in XXXX, Mississippi, and the contact number was her cell phone instead of my own. I called Ashleys to discuss the correct delivery address and they were unable to fix it. I offered to pick it up from the store instead and they were unable to change the delivery method. I suppose the person I spoke to corrected the delivery address because my mother started receiving texts asking when to deliver the furniture to my correct address, and she ( luckily for me ) filled it out so that it would be sent to my home. This issue was a multi-week stressor and I was happy to have it behind me. My mother, my spouse and I thought the sole issue was the delivery address and contact information, but that was not the case. 

My mother, XXXX XXXX received a credit card from Ashleys XXXX XXXX  for which she did not apply. We realized that her information must have been used instead of mine for the purchase, despite my correction at the store. I called the Ashleys store and was told they could not help ; I called XXXX XXXX  and was told they did not hold my account ; I spoke with someone at Synchrony who said that it was her name and contact information with my social security number, they could not fix the problem over the phone, and I would have to send a letter to Synchrony explaining the issue. I immediately sent such a letter. 

I tried to pay the minimum fee online but was unable to because I did not have the account number, because the only documentation I had was from the store on the day of the purchase. I eventually, in XXXX, received a bill with the account number and was able to pay the first balance, with accrued late fees. 

wrote two letters to Synchrony explaining the issue. The first received a nonresponsive letter and I received no response from the second. I sent them copies of the sales order, delivery ticket, letter from Customer Service Department, and credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 


XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXX Balance : {$330.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$850.00} XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$390.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$540.00} XXXX, XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXX XXXX  XXXX Balance : {$330.00} XXXX XXXX /XXXX XXXX XXXXXXXX Balance : {$2700.00} SXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXS XXXX Balance : {$850.00} XXXX XXXX  XXXX Balance : {$850.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX # XXXX Inquiry : XX/XX/XXXX XXXX XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  # XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX Inquired on XX/XX/2023 XXXX XXXXXXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} TD XXXX XXXX XXXX Balance : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA AV XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -
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 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 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 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: Credit card or prepaid card

I have had my Citi charge card for many years and not had a balance for more than five years. I keep in in the event of an emergency. I have been paying an annual fee to hang on tot the card as well. Earlier this year i discovered i missed the notice for the annual fee as i receive so many solicitation offers from Citi in the mail. Upon discovering i reached out to Citi and they let me pay and told me they would waive the late fee and would not be reported on my credit. Thought the matter was resolved. SInce then i have been charged late fees and interest on a late fee to the total currently of {$280.00} in fees and {$13.00} in interest for zero purchases. This includes the fact that the annual fee was paid so i am paying late fees and interest on nothing more that a late fee that they told me over the phone would be waived when i paid the fee and was not 30 days late so would not reflect adversely on my credit. In addition to this it REFLECTING ON MY CREDIT ADVERSELY. This is the only late reflecting on my credit and has made a drastic difference on my credit score. I discovered this when applying for a mortgage and being quoted a rate. I have reached out a number of times to Citi and spoken with their customer service as well as escalating it to their management with no success. I feel like the fees are excessive and the practices are unethical as well as deceptive. My hope and ask would be that the fee has been paid by me so that the late fees, interest, and charges as well as removal of the late dates reflecting and impacting my consumer credit report. I am open and willing to have a conversation with the CFPB, Citi, or anyone else pertinent to this matter at any time. thank you in advance for your cooperation. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the company numerous times to report this account is fraudulent/identify theft. This account was opened when I was a minor by someone else. I requested them to remove this account from my credit file as its not mines and I was a minor when this was fraudulently opened in my name.
Product: Credit reporting or other personal consumer reports

I received a notice that is was a brench within the system and my personal information has been shared and I'm getting calls and letters regarding things I have no knowledge of.
Product: Debt collection

I received a bill from Sequoia Financial Services saying that I owed The City of XXXX {$170.00}, except that I haven't lived in XXXX for over six months and do not have any debts with them. The notice warned me that this would effect my credit, but could not give me any information on what the debt was for. After some research I realized that this is a scam that's effected a lot of people. It looks like they learn a single detail about you ( your doctor, where you live ( d ) ... etc. ) and send you a convincing debt collection letter that gives you just enough information for you to believe it, but not enough information for you to actually know that those debts are for.
Product: Debt collection

I have been dealing with a case of ID theft which I had reported to XXXX, the FTC and to the parties where credit cards were attempted to be taken out in my name, as well as bank accounts set up under my name.

2 were in successful in being ratified by the same company ( Truist ). One being in XXXX for a bank account/CC being issued to an unknown party and recently a short-term, unsecured loan of {$7500.00} on XX/XX/XXXX. I only knew about this because their debt collection department called me on XXXX to ask where my payment was which I was of course ignorant of knowing about. They have been extremely inept in dealing with both case and find it alarming that they allowed 2 cases to slip through their defenses especially with knowing that I already had a dispute with the previous case. Furthermore, I'm not even a Truist client I closed my accounts with them in XXXX I filed a police report in the county where the infraction took place and am waiting for a a police report to be created so I can submit it to the fraud department to help close my case ( at the request of Truist ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a complaint about national credit systems reporting information that has been proven to be fraudulent to XXXX  rentburea that is stopping me from getting a new place to live. Now instead of responding to my complaint and removing the information, they are saying I am not their customer and I can not speak on my own behalf. However, they are furnishing negative information to my credit report, but claim that I am not a client. They continue to be unethical and violate my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under the 15 USC 1681 Account XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXl # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX 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 an account without my written instructions. 

15 U.C.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

Midland Credit Management ( MCM ) keeps calling me about a debt that does not belong to me, but belongs to a person that put me down as a reference on a loan application 10 years ago. I've already told this company that I have not seen or had contact with this person for many years after he moved out of state and have no contact information for him. The person that owes the debt is not related to me. He is the son of a family that I used to go to church with. I've asked to be removed from their system, but they will not stop calling me. I get almost daily phone calls and even though I have blocked their phone numbers, they keep calling with a device that generates different phone numbers which may be illegal. They call me at all hours and have woken me from sleep. I have to silence my phone all the time to keep from being disturbed. I only have the name of the person that owes the debt. I have no account numbers or amount of the debt.
Product: Mortgage

CIT BANK NA The company sold a property that I was a co-owner and I was not notified of the sale. 
The property was re-financed onXX/XX/XXXX for {$240000.00}. It was then sold on XX/XX/XXXXfor {$290000.00}.
Product: Debt collection

I live in TX and according to my research ( XXXX ) collectors have up to 4 years to contact me about a debt. XXXX XXXX XXXX XXXX is contacting me about a debt that was charged off in approximatley 2003. And Dynamic Recovery Solutions is also contacting me about a debt that was charged off approximately 2003. 
I believe these tactics are very decptive and I wish them to stop.