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

I have requested multiple times to Equifax to resolve my credit profile as someone else 's information has shared under my name and sin number. That person has very bad credit in the past and that is affecting my credit score as well. Requested Equifax multiple times to change my address on file but nothing has been updated. Requested Equifax to remove accounts from my file which were not mine and still they are on my profile. All the accounts were verified by bank but still no update from Equifax. Equifax has already checked everything and updated my credit score but after few days everything comes to file the same as before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a line of credit through Lowes. The account was delinquent due to COVID issues. The creditor told me that as long as the account did not go past 90 days it would remain open after the past amount was paid. They did not honor that. I made the payment of everything that was showing due between 30-90 days and they closed it. ( payment was made on XXXX still showing nothing in the 90+ day due and it was closed on XXXX ).
Product: Debt collection

The company continues to call and email after a payment has already been arranged. There is no valid reason for the call other than to harass or to get my wife and I to overcommit ( commit to making ANOTHER payment despite arrangements already having been made. ) This is very clearly bad faith. 

Furthermore, after requesting they stop unnecessary and thus harassing contact, they purposely misconstrued my request to stop ALL CONTACT, again in a show of bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried removing an erroneous Capital One account from my credit reports, which include several reporting inaccuracies : 1. The payment history does not match among the credit bureaus.

2. The Date Last Active does not match among the credit bureaus.

3. The High Credit does not match among the credit bureaus.

4. The Date of Last Payment is different for XXXX. 
5. A Notice of Dispute was not noted for the two previous disputes with XXXX 

A certified letter with evidence of the reporting violations to Capital One was sent on XX/XX/2022. Capital One replied on XX/XX/2022 stating, " We confirmed that the late payments we are reporting are accurate. Because this information is correct, we do not need to change how we update it to the credit bureaus. '' No evidence of a thorough investigation was provided. Furthermore, Capital One did not address why the reporting was inconsistent among the three bureaus or why it failed to provide a notice of dispute previously. Capital One continues to ignore the blatant inaccuracies on my credit reports.
Product: Credit reporting or other personal consumer reports

" As per the guidance from the Consumer Finance Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which alls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
XXXX XXXX XXXX. {$11000.00} XXXX XXXX XXXX. {$5100.00} XXXX XXXX XXXX XXXX XXXX. {$530.00} XXXX XXXX XXXX XXXX XXXX. {$4200.00} XXXX XXXX XXXX XXXX XXXX. {$2300.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the unauthorized access of my credit report and to seek assistance in resolving this matter. Recently, I discovered that several sources have obtained my credit report without my consent or permission. I am deeply concerned about the ease with which my credit report was accessed and the subsequent negative impact it has had on my credit score. 

Upon reviewing my credit report through TransUnion 's online portal, I was shocked to see a substantial number of inquiries from sources that I did not authorize. This unexpected surge in inquiries has led to a significant drop in my credit score, which has been distressing and detrimental to my financial well-being. 

The unauthorized inquiries are as follows : XXXX XXXX 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 I am particularly alarmed by the fact that TransUnions verification process seems to be inadequate, as it allowed these entities to access my report without proper verification of my identity. This situation raises serious concerns about the security measures in place to protect consumer information.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues displays innacurrate employer on credit report. XXXX XXXX  is inaccurate. I work XXXX, I have sent verification of that to transunion but they confirmed agreed to remove innacurrate information but reappearing.
Product: Debt collection

Found several federal violations in my contract as well as a forged signature please see attached documents and exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Mortgage XXXX XXXX purchased my mortgage servicing from XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. XXXX is not reporting that they are my new mortgage servicer and XXXX is showing the account as closed. This caused my score to drop XXXX points as of XX/XX/2022. I have spoken with them several times about this matter and they are basically telling me they are not going to report anything for 60 days. From what I read, the law just states that they can't submit anything negative to my credit for 60 days. They blamed the credit bureaus saying that they jumped to conclusions when XXXX showed the account as closed...??? 
Please note that I have already made XXXX timely payments to XXXX for XXXX 2022 and XX/XX/2022. 
I also reached out to XXXX, Equifax, and XXXX with no luck in solving this problem. They just keep telling me that the account is not delinquent and everything is ok the account is closed. I keep trying to explain to them that the account is not closed, it has been sold. Showing it as closed is hurting my score.
Product: Mortgage

I sent my check for the last 2 months and they didnt apply to my account, I been trying to make those payments but they are making hard to receive it
Product: Credit reporting or other personal consumer reports

My student loans have been in deferment for 2 years, and the deferment does not end until XXXX due to my loans being apart of the defensive borrowing act. The student loan company is still reporting my balances are increasing every month. From my understanding that only is suppose to be reported when the deferment is removed.
Product: Money transfer, virtual currency, or money service

In XXXX I performed junk removal service for a customer and was offered a {$20.00} tip bu the customer if I had a Venmo account. I immediately signed up for Venmo service and received the {$20.00} tip into the Venmo account as expected from the customer. As part of Venmo sign up process I had to verify identity using Drivers License photo, which was successful according to Venmo. I then tried to link and account to transfer the Funds out and venmo suspended my account preventing access to my funds. They demanded my ID again to release suspension. I have submitted my drivers license to Venmo numerous times over the previous 9months and have submitted dozens of requests for release of suspension and if I receive any response at all it is simply that I need to submit ID, which I have done numerous times to no avail. They refuse to assist in anyway and I have demanded the release of my funds on many occasions. I just want access to retrieve my valid funds and to delete the account and never do business with this corrupt organization again.
Product: Debt collection

Affidavit of Denial XXXX XXXX XXXX XXXX XXXX XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX XXXX XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal XXXX and have personal knowledge of the facts set forth below. 

3. THIS IS NOT A DEBT VALIDATION LETTER Date : XX/XX/2017 I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with XXXX XXXX XXXX that authorizes you to collect on this alleged debt The original non-electronic agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete non-electronic scan payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ). If your office fails to reply to this denial letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Thank You, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX
Product: Debt collection

While in my Chapter XXXX Bankruptcy, I had a payment that was to be cured within my bankruptcy along with paying my monthly payments on time every month. I have since been discharged from my bankruptcy effective XX/XX/XXXX. Immediately after my discharge Franklin American Mortgage began to contact me via telephone and mail stating that I was 13 payments behind. I have been going back and forth with them for the past 3 months trying to rectify this situation. I was told that from XX/XX/XXXX - XX/XX/XXXX, I was in default for nonpayment. I then sent them bank statement showing proof of me sending payments from XX/XX/XXXX - present ( XX/XX/XXXX ) and every payment was accounted for. They even sent me a transaction history showing and verifying payments for every month they said that I did n't pay. This has become very stressful to me and my family and I am at the end of my rope with this company. This company is incompetent and horrible at handling mortgages. Instead of someone speaking to me to figure out what is going on they all are telling me that I have not made 13 payments regardless of the proof I sent them or even the proof that they have sent to me.
Product: Mortgage

I applied for a refinance through LendPlus back in XXXX. The refinance was on a 4-plex that I own. I waited till the end of XXXX to get an appraisal done, and then the COVID shutdown hit in XXXX, and my application was turndown by underwriting. LendPlus did not communicate this to me till XXXX. LendPlus started the underwriting process over and I supplied additional supporting documentation in XXXX and XXXX. I was told that my application was approved by underwriting, but was asked for copies of my leases on my 4-plex. I live in one unit, so I supplied three lease agreements. Two of the three lease agreements are expired and are now on month-to-month lease agreements. The XXXX  do not intend on renewing their leases. LendPlus has indicated that the investor has issues with the lease agreements that are month to month ; consequently, as of XX/XX/XXXX, my refinance is not closed. I started this process late XXXX, and five months later, my loan still has not closed.
Product: Debt collection

I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 
1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose.

3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold.

5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this accoun
Product: Mortgage

On XX/XX/XXXX Dovenmuehl sent me a letter saying that I incurred a shortage of XXXX due to a large increase in property tax. According to their records the property increased by about {$5000.00}. Dovenmuehl was incorrect. But before I figured out that Dovenmuel was incorrect I sent them several thousand dollars to bring the escrow balance to the erroneous required amount. 

Correct Property taxes for XXXX -- -- - {$1100.00} Exhibit c Correct property taxes for XXXX -- -- - {$1300.00} Exhibit C On XX/XX/XXXXI sent a fax to Dovenmuehl showing that the correct tax amount for XXXX was {$1300.00}. See Exhibit E. 

Between XX/XX/XXXX and XX/XX/XXXX I paid {$6700.00} to the escrow account. 
Dovenmuel paid XXXX in county taxes out of that. 
Dovenmuehl paid {$0.00} for insurance because I purchased home insurance directly That leaves XXXX in escrow to pay for XXXX taxes of {$1300.00}. 

Dovenmuel owes me {$4200.00} XXXX I asked Dovenmuel to let me pay my own tax and insurance because they XXXX   them up so badly but Dovenmuhl said that They could not allow me to take responsibility for my own taxes and insurance because my escrow balance was negative. That's XXXX.
Product: Credit card

on XX/XX/2024, CITI Bank took {$0.00} credit from my credit card account due to 'BALANCE REMOVED DUE TO 3 MOS INACTIVITY ' [ Transaction Description ]. Account had a NEGATIVE {$0.00} balance prior to that transaction. 

on XX/XX/XXXX, there was an monthly automatic charge made to the account. 
on XX/XX/XXXX, there was a payment made to the account resulting in {$0.00} negative balance. 

This account has automatic billing charged to it every month. Has been for months so the " INACTIVTY '' description did not make sense. 

when asked what had happened to the {$0.00}, the company could not answer and stated it was automatic to accounts with negative credit balances. When requested the refund for the {$0.00}, the company stated that amounts with less than a dollar could not be credited. I stated that this amounted to SKIMMING customer credit accounts that have less than a dollar negative balances. If a customer does not catch that, all those credit account negative balances can amount to huge deposits for the company across the thousands of credit card accounts they manage. 

The company offered to refund {$5.00} to the account but did not offer a solution to the 'skimming ' of negative balances of less that {$1.00} USD from credit card accounts with no audit trail where that money goes or why it just removed from the customer credit card account.
Product: Credit card or prepaid card

I have requested a credit line increase. They claim too many recent inquires. I have 3 in 24months. 2 with the same bank, same week. Citibank can not tell me what is considered too many inquires, just that is the reason for the increase denial. My credit scores are 800+, very low balances. Paid Monthly. 

I believe the are declining this for another reason they will not state.
Product: Debt collection

I received a letter from Credit Management Company attempting to collect a debt ( copy attached ). I responded to their letter via certified mail on XX/XX/year>24 ( receipt and proof attached ) requesting that : As allowed under the Fair Debt Collection Practices Act ( FDCPA ), I requested that they validate the alleged debt. The request was a twofold-validation of debt and HIPAA authorization . I requested they provided breakdown of fees including any collection costs and medical charges.Provide a copy of my signature with the provider of service to release my medical information to them. And to Cease any credit bureau reporting until the debt has been validated by me. 
On XX/XX/year>24 I received a letter in the mail from Credit Management Company stating that they expect a settlement of the debt but did not include any validation documents as per r the Fair Debt Collection Practices Act ( FDCPA ). I encourage the CFPB to conduct a full investigation on XXXX Credit Management and their deceptive and abusive debt collection practices. I can almost guarantee that Im not the only consumer they have done this to and unfortunately not everyone is aware of their rights.
Product: Money transfer, virtual currency, or money service

invested into fraudulent exchange which was a fake account ended up being a fake XXXX XXXX  commencing around XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX, XXXX Act Name : Consumer Adjustment, XXXX XXXX XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : Self, XXXX XXXX Name : XXXX, XXXX 15 USC 1681 section 602 A, 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 an account without my written instructions. 15 USC 1681c. ( a ) ( XXXX ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I was at XXXX XX/XX/XXXX to obtain a personal loan to help me get by the pandemic. But, I was denied and I was denied because of negative accounts that do not belong to me XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX ). My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my personal information to open the accounts above. I did not receive any money, goods, services, or any other benefits as results of these accounts being open under my name. I need these accounts blocked from my credit report because they are a result of identity theft.
Product: Credit reporting or other personal consumer reports

The account from XXXX XXXX is having a very negative impact on my credit score while Iam trying to start my business I have been made aware of these accounts and Experian has not provided any resolution after multiple attempts to get this issue resolved I now demand that this account be removed immediately from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain 's Reporting details of my account status are incorrect where it claims that the account is currently XXXX  past due. This is incorrect and needs to be modified. This should have been updated to reflect a current status within the last XXXX weeks. Further infractions may result in the account being furnished to an attorney to enforce appropriation of account data. Misreporting to the Credit Bureaus should carry fines for the financial agency and I believe this is also inappropriate use of my Report.
Product: Debt collection

I was a resident at the XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2019 to XX/XX/2019 managed by XXXX XXXX XXXX. During my brief time here the property was in consist violations of local and state paste waste removal laws creating an unsanitary living condition. Per the terms of my lease the owner ( XXXX XXXX XXXX ) had the responsibility of keeping the property and premises in a sanitary condition or I could exercise a clause within the lease to terminate without any extra fees as long as I have the property reasonable time to resolve the issue and notified them in writing. I notified the property management of the excessive pet waste on multiple occasions and was never resolved within a reasonable time ( 2+ months ). Due to the lack of attention my maintenance staff and property management I decided to exercise the clause I stated above to terminate my lease. Due to the COVID-19 pandemic I provided them with both and email and mailed letter with my notice of intent to terminate. I also attempted to contact the leasing office on numerous occasions but only ever got to a voicemail and was never able to get any resolution with XXXX Corporate office directly. On XX/XX/XXXX ( due to the leasing office reducing in office hours ) I turned in all keys and moved out of the premises as stated. As the location never provided me a corrected bill with the prorated amount owed I provided them a notice in writing that any bill outlining cleaning charges and rent charges owed could be sent directly to my new address. Since that date I had not received any further communication from the property or any invoices for amounts owed. Instead today I got a letter from a collection company attempting to collect a amount owed that was never invoiced or agreed upon to myself. Based on my monthly rent the amount they are attempting to collect ( {$5300.00} ) is significantly more than any rent amounts owed or cleaning costs that could of occured.