23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When Equifax had its data breach, I read about it and following their instructions, I put a security freeze in addition to an anti-theft program on my credit immediately. At that time my credit rating was around XXXX. 
Two weeks ago I was denied credit for a {$50.00} a month internet service!!!! I tried to correct this by phone with Equifax who would not help me at all, I have requested my report by mail but still do not have it. I received on XX/XX/XXXX, a written denial from the Internet provider and they report my credit score at XXXX. 
NOTHING HAS CHANGED since I put on the freeze.. I am flabbergasted that they can do this to my credit rating - all because Equifax negligently leaked my private information and I used the tools Equifax suggested to protect my identity and assets.
Product: Debt collection

XXXX has billed me several times for a service they said was mine. I never lived in that XXXX XXXX. I didnt get internet from them and I have said it until my face is blue. The moment I start investigating my credit report, they get notified I guess and just popped up after the last lady spoke with assured me I was going to pay for the service if its in my name clearly. 
I'm getting so XXXX  here. Its apparent someone had access to my information. XXXX wont even send me a report until I show proof of who I am .... Which says they have a reason to feel something has been going on with my credit. I can't even answer questions I supposed to know. My name is wrong on all of my credit reports, and ive tried to clear that up as well. I just need help with this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

No open account associated with these inquirirs and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX. XXXX XXXX. my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 Credit Inquiries Credit Inquiries - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My lender XXXX XXXX XXXX XXXX  ) & the servicer of my ARM loan ( Dovenmuehle ) advised me via telephone today ( XX/XX/XXXX ) that they can not discuss with me ( the borrower/consumer ) anything regarding my interest rate/index on my ARM loan which was transferred to them in XXXX. They have not been calculating my interest rate correctly ( the published indexes via XXXX XXXX XXXX XXXX Consumer Cash Fallbacks ( Term ) & going back further than the 45-day lookback period ever since XX/XX/XXXX when they transitioned from XXXX to XXXX XXXX XXXX ( 6-month ), et al. 

Additionally, the index provided by XXXX XXXX ( whom XXXX XXXX XXXX  chose as their index provider ) has been going up, even after the Federal Reserve cut rates by a quarter point ( XXXX basis points ) on XX/XX/XXXX. Instead of going down even a little bit, the index has risen. I check the published indexes every single day at XXXX XXXX. when they are published on the XXXX XXXX website.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within XXXX  days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ).

" ASPIRE aka ISL/XXXX  '' is a creditor as defined by 15 USC 1692a ( 4 ). 

" ASPIRE aka ISL/XXXX  '' alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

" ASPIRE aka ISL/XXXX  '' is a corporation whose residence is in the state of IOWA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to stop since XXXX of XXXX and XXXX of XXXX. 

" ASPIRE aka ISL/XXXX  '' has failed to supply any record of payment by me validating these claims of late payments from XXXX. 

As you can see my account was closed because of SUCCESSFUL ON TIME PAYMENTS for the duration of the loan and relationship with ASPIRE aka ISL/XXXX.

ALLEGATIONS/COMPLAINT : - '' ASPIRE aka ISL/XXXX  '' in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers and sold this alleged debt to a data furnisher without verifying its validity after I the consumer notified them in writing that this alleged debt was not mine and I was taking steps to investigate it personally. 

- '' ASPIRE aka ISL/XXXX  '' in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- " ASPIRE aka ISL/XXXX  '' in concert with the consumer data furnishers both have caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Information Re : Account Name : XXXX XXXX  Account Number : XXXX Dear Experian Dispute Department, I am writing to formally dispute the inaccurate and incomplete information reported on my Experian credit report as of XX/XX/XXXX, regarding the above-referenced account. The information listed is inaccurate, misleading, and not verifiable as required under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S.C. 1681i ).

Here are the key inaccuracies : 1. Account Status and Charge-Off : The account status is reported as charged off in XX/XX/XXXX, with a {$450.00} balance written off. This reporting is inconsistent with accurate reporting standards as the balance details and status updates do not align with proper validation.

2. Payment History : The 24-month payment history is riddled with inaccuracies, and it is not clear whether the creditor adhered to accurate recordkeeping under FCRA 623 ( a ) ( 1 ).

3. First Payment Never Received : The comment First payment never received is vague, unverifiable, and unfairly damages my creditworthiness.

The FCRA mandates that all data furnished to credit reporting agencies must be accurate, complete, and verifiable. As such, I am requesting the following actions : Immediately investigate and verify the accuracy of this account.

Remove any unverifiable, inaccurate, or incomplete information, including but not limited to the charge-off and payment history errors.

Provide me with documentation substantiating the reported informations accuracy and completeness, including account statements, transaction records, and validation of the alleged charge-off.

Should your investigation fail to verify the accuracy and completeness of this information within 30 days as required by FCRA 611 ( a ) ( 1 ), I demand that you promptly delete this account from my credit file. Failure to comply with these legal obligations may result in legal action under FCRA 616 and 617 for willful and negligent noncompliance, respectively.

I have attached a copy of my credit report with the disputed account highlighted for your convenience. Additionally, please note that I reserve the right to seek damages for any harm caused by this inaccurate reporting, including legal fees and credit-related damages.

I expect a prompt response confirming receipt of this letter, along with a summary of your investigative actions and their outcome. You may send your findings to the address listed above.

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX credit breach my personal information was leaked online by th credit bureau and I purchased online credit protection that didn't help me keep my identity safe there has been a lot of loans and personal credit cards obtained in my name that I didn't receive or order XXXX XXXX XXXX XXXX, TD bank with target credit card and auto loan was taken out with a car dealership in California im a true victim of identity theft and seem to no get any assistance with the route I'm taken. I we told squeaky wheel gets the grease!
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago credit acceptance, charged off this account and closed it. They then checked my credit without my knowledge and then started reporting me as having late payments again recently. The account was written off so it should show on my report as such not that I am not making my payments.
Product: Debt collection

I CONTACTED COMPANY WHO WAS COMPLETELY RUDE AND UNWILLING TO PROVE DEBT. THEY SAY I OWE XXXX AND ANOTHER AMOUNT OF XXXX. ON XX/XX/17
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$390.00}
Product: Credit reporting or other personal consumer reports

DEBT VALIDATION LETTER Date XX/XX/year> Dear To Whom Its Concerns This letter is being sent to you in response to : Check One ( 1 ) -Notice sent to me on 20 -Response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, Experian or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : US DEPT ED XXXX Balance : {$48000.00} US DEPT ED XXXX Balance : {$28000.00}
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, XXXX XXXX, Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

TransUnion lowered my score when a collection account was placed on my report. After proving that the account had been paid by insurance, submitting a dispute and having the account removed. My score was lowered yet again by TransUnion for the account being removed. I was told that the collection account having been removed, lowered my credit age and therefore was calculated negatively on my score. I don't believe you should be penalized twice, especially when the account has been removed because it never should have been there in the first place.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account has adverse items they are reporting again without my permission, which is against the law and harms me financially. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Remove all circled items on this account immediately.
Product: Debt collection

I had a checking account with Zions Bank. It was in a negative status and ended up closing. The debt was transferred to XXXX XXXX who reported on XX/XX/19 the debt owed was {$650.00}. Today XX/XX/19, XXXX XXXX called me to obtain payment. They advised the balance is {$750.00}. I asked why the balance was higher and was told it was other fees that Zions sent over and it will take up to 30 days to find out. I was then notified that this is accruing 18 % interest and I better get it taken care of. Yes find it completely unfair I was never mailed anything on this or told that interest would be accruing. I advised I am waiting on my tax return and asked if I could start smaller payments. I was told someone else would have to help me and was transferred. The second person I asked why I couldnt settle the account and why there were other fees and was told it was probably the interest. I wasnt aware interest could be charged after the debt was charged off and reported. Nothing was mailed or disclosed to me until now. I have been trying to come up with the funds or I would have paid it sooner. I don appreciate the evasive answers and condescending tone that was used.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists Company Name : XXXX XXXX XXXX XXXX XXXX Amount : {$100.00} Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company Name : XXXX XXXXXXXX XXXX  Amount : {$1000.00} Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion say that the account is accurate and that the errors have been corrected but nothing have been corrected or updated the same errors that i have previously mentioned still in there ALSO THE ACCOUNT NUMBER FOR THIS ITEM IS DIFFERENT IF THIS IS THE SAME ACCOUNT WHY DOES IT HAVE DIFFERENT NUMBERS? 

THIS ACCOUNT IS INACCURATE AND NEEDS TO BE REMOVED
Product: Mortgage

My payment was increased {$61.00} to cover an escrow shortage. I never received notice that there was an increase so my payments were considered short. Because of this, my automatic payments were not credited and they claim I have missed two payments. I have been talking to them for days and getting no resolution. Here is just some of what I have been told. 

My homeowners insurance increased by XXXX per year. That would be roughly {$12.00} per month increase. When I contacted their office I spoke to several people. I was told that because the value of my home increased, the loan payment increased. I was told that I would need to contact XXXX XXXX XXXX, CA. because the county dictates my payment amount. This was an increase in homeowners, not taxes. 

For the last week, I have been speaking with XXXX who claims to be a supervisor. I have asked for a manager call back several times but have not received one to date. XXXX explained to me that the problem began with XXXX payment and that it was short because they had increased my payment by {$33.00}
Product: Student loan

This is a debt relief company and they have charged me fees for nothing. UPFRONT FEES. And, they refuse to return my money. These guys are a SCAM. I have made FOUR payments of {$120.00}, almost {$500.00} in 4 months when my loans were supposed to be on COVID forbearance and they still have not done anything! NOTHING! It is IMPOSSIBLE to get a hold of a " manager ''. Finally I talked to " XXXX '' or " XXXX '' today or whatever his name is. The " MANAGER '' tells me, " Oh we had to submit a paper application and it was denied. '' DENIED? You did not get me approved when you submitted my application 4 months ago AND YOU STILL TOOK MY PAYMENTS?? Worst part? HE REFUSED TO REFUND MY MONEY - instead he told me he would refund 1 payment of {$120.00}. HUH? What was the rest used for? UNITED DOCU PREP CHARGED ME UPFRONT FEES. I was still getting charged fees and the application was actually denied over 45 days ago. UPFRONT FEES. The " paperwork '' and the " Sales Rep '' stated 100 % money back guarantee. Here it is 3 weeks later and FINALLY I reach a " MANAGER '' and he refuses to return my money and wants to keep my UPFRONT FEES. WHAT THEY ARE DOING IS ILLEGAL AND NEEDS TO BE STOPPED ASAP. This is blatantly against the law.I STILL HAVE NOT RECEIVED MY REFUND. They charged me fees and never did anything and surely never completed anything.