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

I have submitted several inaccurate information and reporting on my credit report. The issues still arises. The issues is the incorrect reporting on my credit and violating many FCRA laws. FCRA states, " FCRA violation is when a creditor posts late payments or charge offs after the debt has charged off a past due balance. According to the reporting account is shown charged off in XX/XX/XXXX which is completely inaccurate. Inaccurate information that a CRA reports as accurate has to be removed under FCRA if the said information is to be inaccurate. This is the case. My records reflect that the aforementioned account was opened on XX/XX/XXXX. On XX/XX/XXXX, XXXX placed your account with XXXX XXXX XXXX XXXX ( XXXX ). This did not accurately relfect the information that Experian and XXXX considered to be accurate on my report and thus FCRA violation require removal.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting adequately notify consumers of dispute outcomes. these failures align with experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

In this case this scenario involves both our Lender, XXXX XXXX   which we filed a complaint about separately and this complaint involves the other party, the closing agent on our mortgage Lawyers Title of Cincinnati Inc. 

The lender failed to make a good faith disclosure of the real estate taxes which would be part of our financial obligations in purchasing the property and repaying the loan. Properly create a new escrow account by failing to estimate disbursement amounts using reasonable judgment based on information reasonably available or known to it. The amount of real estate taxes which we, as purchasers and borrowers, would be obligated to pay upon closing was a readily known amount. The tax could have been easily determined at the time of the initial loan disclosure and certainly by the time of closing/settlement by a simple check of the public record by the settlement agent or the lender. The amount is determined by multiplying the sale price of the home ( which was known by Lender ) by the applicable tax rate, which is public record. Under Kentucky law and based upon information readily available in the public records of XXXX County, Kentucky, the real estate taxes which should have been disclosed to us totaled {$8500.00}, but the settlement agent and the lender reported the taxes as only {$4100.00}. They simply stated the taxes paid by the PRIOR owner, which under Kentucky tax law is not a justifiable, reasonable, or good faith statement of the taxes which we would be paying or in compliance with federal regulations [ Regulation X 1024.17 ( 7 ) and Regulation Z 1026.39 ( g ) ( 3 ) ] The Lender and the settlement agents negligence or failure to comply with federal regulations resulted in a drastic shortage in the escrow account and has caused us a great deal of financial hardship. Had we been informed by the initial disclosure of what the taxes would be and therefore the escrow amount, we could have shopped around more and perhaps found a lender with a lower rate or lower closing costs. 

The closing agent ( Lawyers Title of Cincinnati Inc. ) failed to accurately disclose the taxes that you would be paying and which would be used to calculate your escrow account
Product: Debt collection

XXXX XXXX XXXX XXXX Account Number : XXXX Case ID : XXXX and XXXX Debt Collector Sunrise Credit Services Inc . 
Account : XXXX -As of today Back in XXXX, XXXX XXXX had a data breach, where my identity was stolen. When we were notified of that I froze my credit in Late XXXX. Account with XXXX XXXX XXXX was fraudulently open in early XXXX. At that time I contact XXXX XXXX XXXX who could not confirm if that account was real. A couple months later I start to get text message saying I owe them close to {$1700.00}. Called back then and they confirmed the account existed and told them it was fraud ; They would not provide and details of the account to me. After filling out their affidavit and an FCC complaint I hear nothing back from them, That was submitted in XXXX. There was no contact from XXXX XXXX XXXX after that time. I receive another text message from a debt collector on XX/XX/XXXX saying I owe the approximately XXXX. After contacting XXXX XXXX XXXX customer service again and emailing them they are refusing to speak to me about this issue anymore.
Product: Debt collection

This is regarding an apartment lease. I elected to withhold rent because the property manager was unfairly charging late fees and utility fees. The issue went to Court in XXXX county Nevada. An offer was made for the full amount owed minus the fees, but the other party declined. The Court ordered me to vacate the property and for all parties to bear their own costs. That said, there is nothing owed to XXXX XXXX in this case although they have hired IQ Data as their collection agency. The collection agency has never furnished any itemized statements of the amount owed. Neither have they ever communicated in writing about the " outstanding debt. '' The collection agency has failed to abide by all the consumer laws required under the FDCA. As a result, I have suffered irreparable harm in the form of denied credit to continue my post-graduate degree, to refinance my car, and to obtain gainful employment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX UNITED STATED SSC XXXX XX/XX/year> RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY CREDENCE RESOURCE MANAGE. 
Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these removal are still showing on all three credit bureaus ... .these removals should be updated imediatley
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Personal Listed below are the Personal Infor As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> Credit Bureau Name [ Credit Bureau Address ] Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and correction of the following incorrect information. 

Account in Dispute : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Status : Charged-off with a balance of {$540.00} Inaccuracy : The account is reported as a charge-off with a balance of {$540.00} still due, yet the balance is also noted as written off. A charged-off account should not still reflect a due balance, as charge-offs are categorized as losses by the creditor. This creates an inconsistency that violates FCRA guidelines regarding accurate reporting. 

I request that this error be corrected by either removing the charge-off status if the balance remains or updating the balance to {$0.00} if the charge-off stands. Please provide documentation verifying the accuracy of the reported information. 

Enclosed, I have included a copy of my credit report with the inaccurate information highlighted. If this information can not be verified within 30 days, I request its immediate deletion from my report per FCRA guidelines. 

Please confirm receipt of this dispute and provide written confirmation of the results of your investigation. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/200 I received a notice from Amsher Compassionate Collections, stating that they're attempting to collect an amount of {$260.00} for XXXX. I emailed the back with proof of payment on XX/XX/2022 - showing my proof that this debt was paid. I made a first attempt to pay XXXX on XX/XX/2022 ( referemce # XXXX ), then I saw a refund of this on XX/XX/2022, from XXXX, I only noticed this issue because I received the notice on XX/XX/XXXX stating that I still owed. I made the payment on XX/XX/2022, of the amounts of XXXX ( reference number XXXX ) and was withdrawn from my account on XX/XX/2022. I emailed Amsher collections with a follow up on XX/XX/2022, and requested confirmation of receiving the email because I did not hear back from them within the first email and on my follow up email XXXX XXXX ( XXXX ) responded and confirmedreceipt and stated it was forward over to client service department for review. I thought that this would be settled since I paid the debt owed to XXXX. However, I received another notice on XX/XX/2022 from my credit bureaus and XXXX that on XX/XX/2022, I was reported for a derogatory mark on my credit which knocked me down XXXX points, I resent another email XX/XX/2022, to XXXX XXXX and Amsher customer support email XXXX ( Also is in the notice they provided ). I have yet to hear back from anyone... Very poorly handled from XXXX XXXX Amsher.I would think given the name Amsher Compassionate Collections- you would think they actually care/ be what they're name as?
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 protected consumer rightist privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 S

ection 602 States I have the right to privacy. 15 USC 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer fo any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 US C 1681c. ( a ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.
Product: Vehicle loan or lease

i bought this car on XX/XX/XXXX I thought I have a fixed rate but it keeps rising and it doesn't show what the rate is on the statement if it has changed or not .on my XX/XX/XXXX statement my due date is XX/XX/XXXX 2 months later. so hold my principal until the due date charging me more interest. even when I make the payments early I'm 2 months early. but still, have XXXX dollars in extra interest fees with misleading and changing information for regional acceptance corporation. I made payments of XXXX on XXXX and XXXX XXXX but my payment credit date shows XX/XX/XXXX charging me XXXX in interest. does not show a breakdown of payments and is misleading at best
Product: Debt collection

Collection Centers Inc. refuses to report correctly when payments are made and have made several attempts to collect on medical debts that don't belong to me or my husband. 
I made arrangements for wage assignment for one that do belong to us and they have collected from every paycheck since XXXX but are not reporting to credit bureaus as paid under wage assignment its listed as 1 debt but on my credit report there are several. They need to report the correct balances. I have called several times asking if payments have been received and asked they report these payments to the credit bureaus.
Product: Credit card

I received an email to increase my credit line on my XXXX simplicity XXXX. Nowhere in the email does it say that you are required to know and provide your tax exempt status with your income. you dont find this out until you call them on the XXXX XXXX number and speak to them.. They refuse to go forward with even determining whether or not you get a credit limit increase without knowing your tax exempt status .. a persons tax exempt status is none of their business. they are not practicing full disclosure by not disclosing that a credit card holders tax exempt status is necessary to even apply for a credit limit increase
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX Email : XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Notification of Identity Theft Due to Data Breach Dear Experian, I am writing to formally notify you that my personal information was compromised in several data leaks, and I am now a victim of virtual identity theft and fraud. As a result, I request that you take immediate steps and actions to protect my credit and personal information, as well as investigating any fraudulent activity linked to my name. 

The data breach occurred on multiple platforms, and my sensitive data, such as Social Security Number, date of birth, address, email, phone number, bank information, debit or credit card details may have been exposed to unauthorized parties. Since learning of this breach, I have taken steps to secure my information, including placing fraud alerts on my accounts, but I am now experiencing unauthorized activity on my credit reports. 

I respectfully request the following actions be taken to mitigate further damage : 1. Place a fraud alert on my credit report to notify potential creditors that my information may have been compromised.

2. Request a credit freeze to prevent any new accounts or inquiries from being made without my authorization ( if applicable ).

3. Investigate any unauthorized activity related to my personal information, including any suspicious accounts or credit inquiries.

4. Provide a copy of my credit report to help me identify and address any discrepancies caused by identity theft. 

Enclosed, please find a copy of my [ government-issued ID, proof of address, or any other documents you may be submitting as evidence of your identity ], and any other required documentation to assist in the processing of my request.

Please confirm receipt of this letter and let me know the actions taken to protect my credit and personal information. I understand that this may take time, but I would appreciate any updates regarding the status of my case.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, a payment of {$340.00} was automatically withdrawn from my checking account despite my withdrawal of authorization for automatic payments.
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 on 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 any item listed on an id theft report. Please find the attached document 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 Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXXXXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXXBalance : {$1600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTINGAGENCIES shall block any information in the file of a consumer that the consumer identifies asinformation that resulted from alleged identity theft, not later than 4 business days after the date ofreceipt.
Product: Debt collection

Consumer Financial Protection Bureau CFPB Consumer Help XXXX XXXX XXXX XXXX  XXXX, IA XXXX XXXX XXXX XXXX XX/XX/2020 Subject : Billing Harassment by XXXX Dear Sir/Madam, I XXXX  an envelope from the XXXX , MA XXXX store ( XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, Invoice number XXXX, Tracking ID : XXXX XXXX XXXX XXXX XXXX Envelope ) to XXXX XXXX, XXXX on XX/XX/2020. XXXX charged me {$75.00} ( please see receipt and credit card statement ). It contained a rubberband bracelet that my XXXX year old daughter had made for her grandparents and a family photograph. However, upon arrival in XXXX XXXX I was told that the envelope could not be delivered because the Commercial Invoice was missing. This is XXXX fault and not mine. After much effort and extensive, but futile, communication with the XXXX folks in XXXX XXXX, I gave up. I told them ( via email ) to keep the envelope. I was very disappointed in XXXX and my daughter was upset that her grandparents did not receive their gift. 

The next thing I know is that XXXX has the audacity to send me another invoice for {$75.00} ( Invoice number XXXX ). Despite contacts with XXXX by email, XXXX, phone, XXXX has not resolved the matter and has escalated the harassment by recruiting a Collection agency to collect {$75.00} ( Total charge {$85.00} ) from me. 

At this point, I sent the Collection agency ( Transworld Systems XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, File # XXXX, XXXX XXXX, Invoice number XXXX XXXX XXXX ) a notice to stop and a copy of the receipt for {$75.00}. 

As a consumer, I want to know how I can stop XXXX from harassing me with these collection notices. Additionally, I want a refund for {$75.00} since XXXX lost the commercial invoice. 
This whole process has been very stressfull and I would like to know my rights and how I can make a big corporation like XXXX more responsible for its actions I will mail you this letter and receipts. 

Thank you very much, Name and address withheld
Product: Credit reporting or other personal consumer reports

My credit report is listing me as authorized user of Capital One Credit Card but I don't open or authorize this account. 

Please remove this account off my credit report as soon as possible.