23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is the last and final time I try to remedy this situation, or I would like to take legal action in civil court for defamation of character. creditor is in noncompliance with the FDCPA & FCRA By continuing to report false, inaccurate, unverifiable Items on my credit report creditor has not responded to my last five letters but states a response was sent. through my CFPB complaint they sent copy their response which are clearly inaccurate and incorrect. I have never received any response because creditor has inaccurate billing address on file. If any Investigation took place it is clearly inaccurate, how can you verify invalidate in item that does not match my state identification card. the fair credit reporting act states creditor must be able to provide original copies of contract bear in my wet signature, creditor states copy of contract were sent and that is a lie. Creditor sent all copies in there CFPB response and no such copies appear in the response given. No consumer contract with my wet signature was provided as the creditor stated, nor is billing address balance CORRECT OR CONNECTED TO ME, payment history is incorrect AND IN ACCURATE ON ALL CRA 'S. XXXX HAS A PERFECT PAYMENT HISTORY AND AT THE SAME TIME XXXX IS REPORTING A COLLECTION WHILE XXXX AND ZERO KNOWLEDGE OF THIS ACCOUNT.This creditor also states I made a recent payment of {$6.00}, false and against the law. If any payment was made, then Please provide copies of transaction statement that clearly shows I made a {$6.00} payment. if this negative reporting continues on my report, I am going to take legal suit against Toyota and the cfpb for allowing this to continue. Creditor is reporting incorrect accounts to addresses I DO NOT LIVE AT NOR IS THE ADDRESS ON MY STATE ISSUED ID.
Product: Debt collection

Phoenix Financial Services just violated the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by placing XXXX collections on my credit report that were previously deleted by another company and by not notifying me of these collection accounts. I only know they hit my credit report because I have credit monitoring and I got the alert today. They are reporting account number XXXX in the amount of {$570.00} and account number XXXX in the amount of {$1800.00}. Both of these accounts were deleted by XXXX XXXX over two months ago because they lacked proper validation on this account. And now XXXX is reporting an open date of XX/XX/2017 on my credit report which is so not true and false. I filed a complaint with the BBB and they told me that they sent their initial letter on XX/XX/2017 which is not true. I never received anything from them and they are lying. They have this on my credit report and it should not be on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve
Product: Debt collection

I received a marketing letter from Sunset Finance about a loan offer in the mail. I needed money quick for immediate living expenses and decided to contact Sunset. Big mistake, these guys are loan sharks. I did not realize the interest rate was 87 %, what a rip off and a way to take advantage of someone who fell on hard times. Now they are calling my friends, family an colleagues 2-3 times daily, leaving voicemails and triple-dialing my work phone. I sent a cease and desist letter and still getting calls disrupting me at work. These collection practices are unethical and unnecessary. I let them know I was in a car accident but does not seem to matter.
Product: Credit reporting or other personal consumer reports

Company is stalling I sent the identification and proof of address and they blatantly denied my letter and send me a letter stating I need to send an Id and social but for reference the time still continues for my 30 day investigation if it elapses the items must be removed. Check attachment for further instructions
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am in disagreement with the account listed below which still appears on my credit report. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just really want to know why I'm almost XXXX and I have no credit history and can't get a credit card or a loan because of it and what should I do or can I do about that please and thank you.
Product: Mortgage

The problem is with my escrow account. Because we were out of town and missed a short turn around letter from the bank. We were given a shortage amount to be paid. We were given a subsequent amount to pay which we did. The analysis said if we pay that amount we would pay the smaller designated amount {$1600.00}. However, that did not happen and we received a higher payment in the XX/XX/2019 statement. Since then we have received two more analysis and and three more statements with different amounts to pay. All of them increasingly higher asking us to pay more because this bank incorrectly planned for the following years tax payments. Now we are being asked to pay more ( {$1600.00} ) than we can afford per month. We are willing to do what we can but this bank is being very unreasonable. I tried to get the problem solved with help from the XXXX but that is useless because they assume no responsibility just want us to pay for their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX , XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX - XXXX  ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX Inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items 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 XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX CO XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have had nothing but problems with the collection agency named Pro Collect. They havent provided me with the correct information to address the collection on my credit i have requested all of this in a span of 6 months and never received it, Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
If they cant provide with all of this information that they so call have, then they cant legally collect on the so called debt of {$2700.00} owed. Thats not the original balance either. XXXX says that the {$2700.00} is past due. The account is closed. A closed collection account should never be reporting with a past due balance. Thats a violation. This account doesnt meet FCRA REGULATIONS AND REQUIREMENTS. This collection agency has failed to report this account accurately experian shows the account reporting inaccurate from XXXX it wasnt reporting on XXXX of XXXX. Thats a violation it was reporting XX/XX/XXXX up until XX/XX/XXXX. Starting XX/XX/XXXX it stopped reporting accurately thats a violation. It reported XX/XX/XXXX and it didnt report XXXX XXXX. Shouldnt all collections be reporting accurate information and if they cant they need to delete the account? Please modify all three credit bureaus with accurate information or DELETE THE ACCOUNT AS PER REQUESTED. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I login to myequifax.com and attempted to get my credit score. I was not able to view my credit score even thought Equifax website said I can view my credit score for free. Last month Equifax advised they were sending my credit score through the mail. It never came probably because they can not pull it. I am considering taking legal action against Equifax they have denied me my right to make a living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice dated XX/XX/2018. There is a company called Afni collections. I tried to email this company for proof of account, and to remove it off my credit report due to this is fraudulent. The email dress is not accepting Emils, says do not exists. It has an count number of XXXX creditor is XXXX. I looked up this and have no clue what this is.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We recently completed two balance transfers with First National Bank of Omaha. The current balance is about {$11000.00}. 

First of all, I have no idea how FNBO is calculating the minimum monthly payment. If you review the statement due on XX/XX/2020, it states the minimum monthly due is {$400.00}. In the minimum payment warning box, it states if only the minimum payment due is made for the next 9 years, an estimated total of {$13000.00} will be paid. The interest rate is fixed and 5.99 %. For 9 years, there are 108 months. If {$400.00} is paid over 108 months, the amount paid would be {$43000.00} instead of {$13000.00}. 

The prior month, it stated {$480.00} was the minimum due. The statement said if paid off over 10 years at the minimum monthly payment, an estimated total of {$14000.00} would be paid. For 10 years, there are 120 months. If {$480.00} is paid over the 120 month period, the amount paid would be {$58000.00} instead of {$14000.00}. 

Then, in the same boxes, it shows how many years it would take to pay off the balance if a higher amount is paid. For example, if you review the statement due on XX/XX/2020, it suggests paying {$350.00}. This isn't even the minimum monthly due reflected on the statement. It states the time to pay off the balance would be 3 years and the estimated amount paid would be {$12000.00} with a {$670.00} savings. If you review the statement due on XX/XX/2020, it suggests paying {$370.00}. This is not the minimum monthly due reflected on the statement. It states the time to pay off the balance would be 3 years and the estimated amount paid would be {$13000.00} with a {$700.00} savings. 

And, I was shocked to see how much my minimum monthly payment is after the balance transfer. The credit card statement doesn't state what percentage the payment is based on and the credit card agreement is vague at best. Under Payments, section B, it states the amount of my minimum monthly payment is indicated on my billing statement and calculated as shown on the schedule. Based on the payments on my last three statements, the percentage is as high as 4 % and as low ar 3.5 %. So, there is not a stable percentage that the minimum amount due is based on. 

I am attaching my last 3 billing statements and the cardholder agreement. There is something wrong with the way they are calculating the payment as well as the amounts under " minimum payment warning ''.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you review the documents? Some accounts have inaccurate reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

I did receive a response from TransUnion which they stated they would send me a Temporary password and a user name to view my credit file, they did not do this sense they told me they would. From the date they answered me back I have not as yet received any Temporary password or a user name to open my credit file. I check my e-mails all the time and there was nothing from TransUnion about any user name or Temporary pass word or anything else from TransUnion. I don't know why they did not keep their promise to me and the CFPB, after stating they would do this but so far they have refused to send the information they promise to send.
Product: Debt collection

This collection agency has debt that has ready been resolved by our medical insurance. The debt was caused due to a data entry error with the original debt owner. It has been requested, multiple times, including in writing via USPS, that a letter needs to be sent to us showing the amount of debt/account information. As explained to them, this is needed to match up explanation of benefits from the insurance company to show they paid the amounts. they have also declined to provide a total debt amount to me. They promised to send the information via the mail multiple times but it has not been done. Now they call myself and my husband daily. When they call they hang up as soon as we answer. I've attempted to call them but each time I am put on hold then hung up on. Several prior conversations, including a letter, advised that the debt did not exist. They state that it is not their responsibility to contact their client ( the  original owner of the debt ) and if I want it resolved I will need to provide proof to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft COMENITYCB/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft COMENITY BANK/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Ally bank to open XXXX savings accounts for my children. They ran a hard inquiry on my credit. I didnt apply for any kind of credit services only to open savings accounts for my children. Ive contacted them multiple times and they say theyre addressing the problem. They have not. On multiple occasions theyve just hung up while I was waiting to speak to a manager. Happened again just now.
Product: Credit card

In XX/XX/XXXX, I received an offer from Chase to take a loan out on XXXX of my Chase XXXX XXXX and pay 0 % interest through XX/XX/XXXX. I reviewed the terms of the loan, and called Chase to activate the terms over the telephone. I received a cash in my account of {$7000.00} and paid 5 % of the transaction to Chase which was {$350.00}. The {$7000.00} was deposited into my account by Chase on XX/XX/XXXX. 

On this credit card, I have some pay over time transactions, and this is the card I use for everyday purchases. When I received my last statement on XX/XX/XXXX, I showed a interest saving balance due of {$8500.00}. This was concerning to me because the balance transfer was included in the interest saving balance that I normally pay, so I booked a meeting with a Chase representative at my local branch. She was also concerned, so called her Chase credit card representative so I could speak with someone more knowledgeable about how the balance transfer works. The credit card representative told me that although the loan transfer was at 0 % interest, any other purchases I made on the card would accrue interest of 18.74 % because they apply my payments to the transactions with the lowest XXXX first until the full {$7000.00} was paid. Both the banking representative and I were shocked ; I informed the person on the call that I had never been told this, otherwise I would not have applied. She said I should have received a letter ( what I received is attached ) and that when I applied the representative had told me this on the phone ( to my recollection, they didn't ). 
I have been a customer with Chase for over 25 years and I have a very high credit limit plus a stellar payment history. In order not to pay this all at once or miss a payment and hurt my credit, I'm now having to pay more money to transfer this balance to another card. I also double checked that the new card would apply my payments to my highest XXXX first so I don't experience this again. This was easily found in the new card 's FAQs which is where Chase 's payment application disclosure should have been in the first place!! 
I was NEVER informed that Chase would apply my payments to repay the whole 0 % interest balance first or I would not have taken the balance transfer in the first place. There is a FAQ which says any payment over the minimum balance may be applied to the lowest interest XXXX XXXX, but it also says that any payment over the minimum will be applied to the highest XXXX. My minimum payment in my XX/XX/XXXX statement is {$360.00}, yet I was informed by Chase that they will only continue to apply additional payments to the lowest APR until fully paid, and let my current purchases accrue interest at 18.74 %. This is not made clear in their FAQs. I had received and continue to receive these balance transfer offers and they all contain the same information as I've attached below. I am now seriously considering moving banks ( I have both business & personal accounts ) because this deceptive advertising practice is unacceptable.
Product: Credit reporting or other personal consumer reports

I filed a dispute on inquiries on XXXX stating that I have no knowledge of these inquiries and feel I have been a victim of possible fraud. I have them a list of the inquiries in question. On the same day, I received the investigation status and it stated that nothing was wrong and it would stay on report for a period of two years. I contacted the companies from where the inquiries came from and asked to receive a copy of where I signed to have my credit pulled, which they replied they do not have record of that. I also questioned if anyone from Equifax contacted them questioning the validity of said inquiries, which they replied they never spoke with anyone. I do not feel Equifax done their due diligence in properly investigation these items. If they had done so and found out the company could not provide written evidence that I gave my permission to have my credit pulled, they would have deleted these items. 

That being said, it is my prayer and demand that all items in question be immediately deleted from my credit report before further action takes place against Equifax for improper reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my must recent credit report, A public bankruptcy is being reported on my credit file this is inaccurate information. I have contacted each credit bureau with proof I DO NOT HAVE A BANKRUTCY. Experian XXXX XXXX XXXX stated the information was obtain from XXXX XXXX, XXXX XXXX and my city bankruptcy court have provide me with a letter stating I do not have a bankruptcy with them. 


I would like this Bankruptcy deleted off my credit file...
Product: Debt collection

I initially contacted the original creditor but received no response to my request for the original signed and dated agreement. Subsequently, I reached out to the debt collector, to obtain the same documentation. However, they were also unable to provide the original contract between myself and the original creditor.
Product: Credit reporting or other personal consumer reports

Charged Off : XXXX XXXX XXXX MECHANICS BANK AUTO FI XX/XX/XXXX MACYS/CBNA XX/XX/XXXX CITI CARDS/CITIBANK XX/XX/XXXX MECHANICS BANK XXXX XXXX XX/XX/XXXX OPORTUN/PROGRESO FINANCI XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TD BANK XXXX XX/XX/XXXX XXXX