23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Credit Systems International Inc and I requested a validation on the same date. On XX/XX/XXXX as no response had been received and the account continues to reflect on my credit report and does not reflect that the account is being disputed.Based on their failure to validate this account adequately and despite my dispute, this account is still reflected on my credit profile and continues to negatively affect me.
Product: Debt collection

In 2017 I was with XXXX. XXXX  told me that if I switch from XXXX to their service they would pay my balance at XXXX. So they ported my number from XXXX and gave me the account. When I called about the balance they said to send them an email I sent them over an email with the XXXX bill and they never handled it. Now I am having financial hardship because there is an outstanding debt with 11 XXXX Enhanced recovery company.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/XXXX I searched in the web XXXX for a XXXX XXXX which was listed for sale. I called the telephone number XXXX and talk to XXXX and XXXX about the details of the truck and price. They texted picture of XXXX XXXX XXXX XXXX model which I like the specification and price was agreed for this truck was {$15000.00}. XXXX whole sales company emailed the invoice for {$15000.00}. On XX/XX/XXXX XXXX called me and asked for {$2000.00} to security deposit to secure the truck. I paid {$1900.00} through Chase Bank telephone app XXXX. On XX/XX/XXXX XXXX called and asked to pay {$2000.00}, I paid through Chase bank telephone app XXXX, total payment of {$3900.00} to XXXX for the cost of truck. 
XXXX said they have two office one in XXXX XXXX XXXX, XXXX, TN XXXX and other is XXXX XXXX XXXX XXXX XXXX, CO XXXX and truck is located at XXXX, Co. On XX/XX/XXXX we flew to XXXX to pick up the truck. But we realized that we lost {$3900.00} because there is no company, no truck it was a fraud company. The following telephone number they used : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, they have two web sites XXXX and other one is XXXX. I contacted XXXX and Chase Bank fraud department but both refused to help me for the losses I incurred
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - SENT LETTERS TO ALL 3 BUREAUS DISPUTING ACCOUNT INFORMATION AND REQUESTED A FULL INVESTIGATION TO VERIFY POTENTIALLY ERROUNOUS INFORMATION AND DETERMINE IF THE ACCOUNT NEEDED TO BE REMOVED. I ALSO ASKED FOR AN UPDATED CREDIT REPORT AND IF ANYTHING IS VERIFIED I REQUESTED A COPY OF ANY PAPERWORK USED TO MAKE THIS DETERMINATION RESULTS : NO RESPONSE XX/XX/XXXX - SENT A REQUEST FOR A RE INVESTIGATION. STATED THST THE INFORMATION COULDNT POSSIBLY BE VERIFIED BECAUSE THE INFORMATION WAS STILL INACCURATE AND DIFFERENT ACCROSS ALL 3 BUREAUS. 
RESULTS : NO RESPONSE XX/XX/XXXX ASKED FOR A FULL INVESTIGATIION AND DISPUTED ACCOUNT AGAIN. THIS TIME ASKING FOR FULL DETAILS ON INVESTIGATION RESULTS : SENT A BILL PRINTED FROM PORTOFOLIO WITH ACCOUNT BALANCE STATING THIS PRINTED DOCUMENT IS CONSIDERED VERIFICATION XX/XX/XXXX : REQUESTED AN INVESTIGTION AND DISPUTED INFORMATION ON ALL 3 CREDIT REPORTS RESULTS : SENT COPY OF SAME BILL SENT IN THE PREVIOUS DISPUTE STATING DOCUMENT WAS CONSIDERED VERIFICATION XX/XX/XXXX : DISPUTED ACCOUNT INFORMATION. REQUESTED PROOF OF PREVIOUS REQUESTED INVESTIGATION FINDINGS. I ALSO REQUESTED ANY INFORMATION AND/OR DOCUMENTATION TO PROVE VERIFICATION. 

HOW IS THIS INFORMATION VERIFIED AND CREDIT REPORTS SHOW DIFFERENT " DATE LAST ACTIVE '' DATES? 

PLEASE REFER TO ATTACHED DOCUMENTS FOR CLARITY
Product: Credit reporting

I am challenging a Public Record Information on my credit report that is inaccurate in its filing. Although, " Dismissed '' means that it is adjudicated by the law, the credit reporting agencies are holding my credit status " HOSTAGE '' for the next 10 years. In the eyes of the Federal Government XXXX XXXX XXXX XXXX XXXX this voluntary dismissal does NOT exist!! My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The XXXX Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to SYNCB/ XXXX  on  XXXX   XXXX ,  2017  about an unauthorized inquiry on my  XXXX  credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them.     The company sent a letter back, dated  XXXX   XXXX ,  2017 , saying the inquiry was as a result of a paperless application, which I did not do. They failed to send any documents to support their claim.     I requested the inquiry to be removed from my credit report an they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act 15 USC 1681 section 602. It is imperative that Consumer Reporting Agencies uphold this responsibility to the consumer and respect their right to privacy. The lawful right to keep my information private in accordance with 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of the customers non-public personal information. ( XXXX XXXX, XXXX XXXX XXXX, Portfolio Recovery ) are considered financial institutions under that title. In accordance with 15 USC 1681 section 604 stating that In general subject section ( c ), any Consumer Reporting Agency may furnish a report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( XXXX XXXX, XXXX XXXX XXXXXXXX Portfolio Recovery ) Furthermore I did not give consent to the financial institution and the Consumer Reporting Agencies XXXX, and XXXX and they absolutely did not have my written consent. XXXX and XXXX ( XXXX XXXX, XXXX XXXX XXXX, Portfolio Recovery ) whether it be implied, verbal, written or otherwise is hereby revoked. According to15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose non-public personal information to a non-affiliated 3rd party unless the consumer is given an explanation how the consumer can exercise the nondisclosure option ( XXXX XXXX, XXXX XXXX XXXX, Portfolio Recovery ) never informed me of my right to exercise my nondisclosure option. Furthermore, 15USC1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no Consumer Reporting Agency may make any consumer report containing the following items of info Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. These accounts would be adverse items that are being reported without my consent which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any Consumer Reporting Agency if the person has reasonable cause to believe that information is inaccurate. 15 USC 1681 e states Every Consumer Reporting Agency shall maintain reasonable procedures designed to avoid violations of sections 1681 c of this title and limit the furnishing of consumer reports to the purposes listed in 1681 b of this title. Unfortunately, XXXX and XXXX are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken by ambulance to local hospital and billed as follows : Date of Service : XX/XX/XXXX Incident NO : XXXX RUN NUMBER : XXXX Amount : {$1600.00} by XXXX County Fire Protection District XXXX XXXX XXXX XXXX, CA XXXX Billing : XXXX Between XX/XX/XXXX and XX/XX/XXXX, I called and notified the billing office at XXXX County Fire Protection District ( XXXX ) numerous times that the VA was responsible for paying this entire bill. I was repeatedly told the claim would be re-submitted to the VA right away, and XXXX  would extend the due date for payment of the bill as long as they could 45 days each time. Instead of conducting business ethically, the XXXX sent this to collections in XX/XX/XXXX for {$1800.00} as follows : Account # : XXXX REF : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX phone : XXXX Address on statement : XXXX XXXX XXXX XXXX, CA XXXX I also contacted this company and repeated the process as with XXXX, nevertheless the total bill became {$1900.00} and was sent to collections with XXXX XXXX XXXX. I had moved to AZ and never received this info until seeing it on XXXX I'm rated by VA at XXXX XXXX XXXX therefore the VA is 100 % responsible for this bill. 
Per Ms. XXXX at : VA  XXXX XXXX XXXX XXXX XXXX XXXX ( phone XXXX ) who spoke with me by phone XX/XX/XXXX at XXXX XXXX, the VA approved this claim on XX/XX/XXXX and failed to follow through and actually pay the grand total of {$1800.00} ( after accruing interest ) for it as well. 
Reference Number : XXXX The dispute for this was filed approximately mid-XX/XX/XXXX through TransUnion, then rejected XX/XX/XXXX and cited as NOT being an error. The TransUnion dispute website is currently unavailable or incapable of accepting new dispute case submissions, I hope you can help. Thank you for your time. 

Sincerely, XXXX
Product: Debt collection

The company keeps calling even when I have ask several times to stop calling. calling different times in the day multiple times a day. There response is that they will keep calling me and they don't care what I do.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX  to Experian. Here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers 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 others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a credit freeze on all of my credit bureaus. 

I am currently looking at my Experian account, and it states my account is susceptible to identity theft because it is unlocked. I clearly placed a freeze on my account. The last time it was lifted was when we applied to refinance our mortgage last XXXX. We unlocked it temporarily and Experian should have replaced the freeze on the account. 

It is important that all my credit bureaus remain frozen because I was part of the XXXX XXXX XXXX. Moreover, my employer, XXXX, recently informed me that someone tried to apply for unemployment benefits in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the removal of all Fraud Alerts from my credit report. I am trying to buy a car and I can not access my credit file with the Freeze/Alert on it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB XXXX SS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX  credit card account was opened in my name in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX closed the account without my prior knowledge. I was unaware of any remaining balance. Since they closed this account in XX/XX/XXXX, they have been continuously reporting late payments each month to the credit bureau. I recently checked my credit report and have noticed 40+ late payment notifications on a closed account!!! It has damaged my credit very badly. I had no prior knowledge of these late payments that were reporting to my account each month for the past 4-5 years. I have filed a dispute with Transunion, XXXX  and XXXX and they have failed to remove this from my credit report. I am making a formal complaint with TransUnion, XXXX and XXXX  for failing to due there due diligence to respond to me and correct my reports.
Product: Credit card or prepaid card

Discover Card Bank issued a 1199C forgiving the debt I owed them ; however, they continue to show the amount as past due. I have paid the extra income they submitted on the 1199C to the IRS. Have asked them in the past to remove it however they have never responded.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I received an escrow evaluation from rocket mortgage that had incorrect property tax information listed. I sent them the correct information and asked for an escrow analysis re-evaluation. I was told that it would be done and I would have the new results by XXXX. They have not done the re-evaluation. The incorrect escrow analysis is causing my mortgage to increase by {$370.00} a month. I really need them to correct this problem but they have been unresponsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had mailed Equifax information about my credit report stating that I have an unauthorized inquiry on my account that Id like removed since I do not recognize it. I then called after 30 days because they never took action. They asked that I mail them again and I did. It has now been over 30 days and they still have not removed this Inquiry from my account.
Product: Debt collection

XXXX XXXX : This is my fathers credit, XXXX XXXX XXXX. I am XXXX XXXX XXXX. Two different people, THIS IS NOT MY ACCOUNT AND NEVER WAS! REMOVE FROM MY CREDIT REPORT PLEASE.
Product: Consumer Loan

my car that i purchased off the showroom floor in XX/XX/XXXX went to chevy heaven in XX/XX/XXXX.in those years there were many life incidents that occured where i went from a XXXX score.I needed a car for this new job, and acted hastily on because of my poor credit.well, the job was too far away and with living expenses and car payment, this new venture was not worth it.i contacted the " credit acceptance '' corporation many times for help.i begged them to lower my car payment and offered a XXXX payment for car. they were rude and just kept telling me " your loan is what it is ''. i have paid off XXXX vehicles in my years!! i came into financial hardship and this company would NOT help me.now i have a judgement!!
Product: Debt collection

Starting in XX/XX/XXXX My ex-husband was court ordered to pay all expenses associated with the house. This did not happen and the mortgage co and its legal reps harassed, stalked and threatened legal action if i did pay a loan I did not own. In XXXX XXXX XXXX ex husband was awarded the house and I in his Attorney 'S office signed the house over. He was too get it refinanced and out of my name and ownership/loan contracts. Due to extreme intimate partner violence as stated in PA 21-78 these mortgage reps and banks colluded with my ex husband to corrupt my finances, damage my credit and economic abilities as a protected person ( female, mental and physical XXXX and XXXX ) and have harmed me to the point of permeanant XXXX. 
Starting in XX/XX/XXXX I received notice of foreclosures and the litigation process, I could in no way avoid. My ex Never communicated with the bank, attorney 's or mortgage company to settle his affairs. Liens have been placed on the home and he filed fraudulently for bankruptcy leaving me holding the debt that I am legally supposed to be held harmless from and violates basic professional conduct but also violates CGS46b-1. I also frequently communicated with the bank/mortgage companies and they were aware of the financial XXXX. 
I then was served XX/XX/XXXX with the lawsuit and those other people who gave him services he never paid. 
I should not be involved in any of this mess. It is costing me my sanity, health, financial duress to the point of becoming indigent. I have rights, especially as a XXXX person. Attorney 's are empowering this abuse and taking advantage of a battered woman 's financial exploitation and multiplying it. It is unethical and I feel this is a hate crime.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/year> Subject : Request for Reinvestigation and Removal of Charge-Off Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account # XXXX. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX my phone was stolen while I was visiting XXXX XXXX, LA. My phone had banking information on it and the thief used it to open a fraudulent virtual card with Affirm in my name. I have reported the transactions as fraudulent to Affirm both by phone and email. 

Each time I have contacted Affirm to follow up they continue to say they are investigating the claim. In the meantime, I have received additional emails and text messages from them demanding I make payments and threatening to send the debt to collection if it is not paid. 

I should not be responsible for these transactions and during the investigatory period collection activities should cease.
Product: Credit card or prepaid card

This situation is causing me significant distress, as I have always paid this account on time and have never been late. It is frustrating and ridiculous to see this error on my credit report, and it is affecting my ability to sleep properly. I am earnestly requesting that you update my account as soon as possible to rectify this issue.
Product: Student loan

Because I still have debt remaining on my student loan, The Treasury Department is currently deducting money from my retirement SSA monthly payment. Last month, the amount they took out was about {$120.00}. My SSA monthly payment rose about {$20.00} more a month. Yet, the Treasury Department told me that they are now taking out {$170.00} a month. That is {$50.00} more a month than last year, yet my SSA payment in total only increased {$20.00} more a month than last year. What accounts for the large increase in the deducted amount? What is the formula? This is hard on me as I ca n't pay for my health insurance and my mortgage with my SSA payment now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported on my credit report for XX/XX/XXXX that I had 3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the XXXX XXXX XXXX numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the XXXX XXXX XXXX has the wrong infor mation on my payment, balance last payments amount made & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting XXXX XXXX XXXX Address XXXX XXXX fl XXXX City XXXX XXXX FL Zip Code XXXX Regarding Account Number ( Blank ) & Account Number ( Blank ) I ( blank ) on this XX/XX/XXXX Day of XX/XX/XXXX do hereby request a complete copy of my payment history from XX/XX/XXXX to XX/XX/XXXX this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these account s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex Check Cash Mo ect. ) Please Mail this information ASAP