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

Recently me and my husband applied for a mortgage, and his credit went through but mine came back as not having a credit profile for Equifax. Upon further investigation representatives at Equifax said I dont have a credit profile at all. Which was weird because the other XXXX agencies XXXX and XXXX have a credit profile for me. Also I have credit cards and student loans in my name. I asked Equifax what documentation needed to be sent over so they can make a file and they told me mail in XXXX forms of ids so I could be verified. This was on or around XX/XX/2024. I mailed in the documents a week later XX/XX/2024. They said it would take XXXX days once received to process documentation. Got a letter on XX/XX/2024 stating that they received our request but were unable to locate a credit file. The whole point of the documents were to create a credit file which they told us. Also the customer service representative said he doesnt see any documents sent in on file, and wants me to resend them for like the XXXX time. This has shattered me and my husbands hopes of getting a house.
Product: Debt collection

XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Debt Collectors : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX cc : Federal Trade Commission Office of Inspector General Room XXXX XXXX XXXX XXXX, XXXX XXXX, DC XXXX  Re : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Acc # XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response your Select Portfolio Servicing Notice of DefaultXX/XX/XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) 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 : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify XXXX XXXX XXXX XXXX headquarter and agents 3. Default date of Mortgage 4. The agreement bearing my signature stating that I have agreed to assume the debt 5. Valid copies of the debt agreement stating the amount of the debt and interest charges 6. Proof that the Statute of Limitations has not expired 7. Complete payment history on this account along with an accounting of all additional charges being assessed 8. Commission for debt collector if collection efforts are successful.
9. Any insurance claims been made by any creditor regarding this account.
10. Any Judgments obtained by any creditor regarding this account 11. Show me that you are licensed to collect in my state ; and 12. Your license numbers and Registered Agent 13. Explain Select Portfolio Servicing 's misconduct and conspiracy to defraud client with two ( 2 ) different default letter XX/XX/XXXX for {$110.00}, XXXX andXX/XX/XXXXfor {$230000.00} in less than a year. Both Demand letter/Default letter has a serious fatal error, also failing to state the date of Default date of the Mortgage.
If your office fails to reply to this debt validation 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.
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. There are multiple credit bureaus reporting inaccurate information on my credit report.
Product: Student loan

My private loans that I had to take out in order to finance going to school at XXXX University were first serviced through XXXX XXXX, and then were transferred to Heartland ECSI. One of my four loans is being paid regularly by myself to XXXX ( a collections agency ). This was not an issue when I had XXXX XXXX. 

For some reason with Heartland ECSI they are taking funds that I've allocated to the accounts ( B, C, D ) that are on my monthly loan statements and giving them to XXXX ( account A ), promoting past principal and interest due in next month 's statement. 

I've tried at least 4 times to have them fix this, and they do so - but it just happens again next statement. Their response every time is that they have things automated, and that a human does not open the paper statement/my check. 

However it is to be resolved, no past due principal/interest should be paid on my behalf as this is a processing issue with the loan servicer.
Product: Debt collection

Today a debt that was removed from my credit report was re-added to my report and the date was changed. This card was originally said to be opened in XXXX but the company changed the date and it says the account was opened XX/XX/XXXX. Due to this debt being removed from my report and then being place back on when with a different date and restarting the statute of limitations on it, I believe this is fraudulent and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My son applied for an auto loan and I was the co-applicant of that loan through XXXX XXXX XXXX XXXX XXXX. We applied for a pre-approval application online for an auto loan on XXXX, XX/XX/2019. We got pre-approved on XXXX, XX/XX/2019. I provided my personal information to them which included my social security, pay stubs and my drivers license and my son provided his personal information to them. They called me today, XX/XX/2019 at XXXX XXXX and told me that they have pulled my credit report and my date of birth does not match the date of birth that I have provided to them. They told me to provide them with a letter which will state that my date of birth has been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to request hard inquiries be removed from my credit report for the reason the company did not follow proper procedures to delete and add the inquiries back on my credit report. The representative I spoke with did not approve deleting the hard inquiries from my credit report. I have attached a list of all the hard inquiries I called to get deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the inquiry that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block this inquiry not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including this again. 
XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not valid and has been sold to a 3rd party, after attempts to resolve this for the amount of {$1300.00} this account still exists after numerous try 's.
Product: Credit reporting or other personal consumer reports

eported a number of Hard inquires showing up after XXXX XXXX XXXX data breach, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. BALANCES PAID IN FULL PER AGREEMENT AS STATED ON 1099C, NOT DUE TO BANKRUPTCY. On XX/XX/XXXX mailed each company a written notice is regarding XXXXXXXX XXXX  XXXX IRREVOCABLE TRUST to include all deviations of the same with the SSN list XXXX of XXXX, GA Birth Certificate number XXXX DOD number XXXX, passport card # XXXX and Trademark Registration # XXXX. As Executor and authorized Agent for XXXX XXXX  XXXX IRREVOCABLE TRUST, I XXXX  XXXX XXXX XXXX right in regards of the Disclosure of Non Personal Public Information and defined by U.S.C., and Constitution of Republic America and per the FCRA. As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and a UCC Financial Statement noting said agreement filed with Secretary of State. Further a copy of notice and said agreement must sent certified mail with PS Form 3811 return receipt address to Executor at address below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off my account with XXXX, but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with Equifax, XXXX and XXXX XXXX ; but they continue to verify a balance owed when there is not one owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be inform I have never been late on my XXXX credit since established. There is an incorrect late payment reported from XXXX to XXXX. This account have never been late and the current balance is also zero.
Product: Checking or savings account

Hello. I am a victim of XXXX fraud. I have a debit card through Citizens bank which is tied to my checking account. I noticed that my account went into overdraft protection and I received an alert about that. This is what led to me noticing the fraud. I never lost physical posession of my debit card but somehow someone got the information and was using it to withdraw money through XXXX. I have never used XXXX I do not have an account on that website and I have no affiliation with them. 

I called Citizens bank to report fraud that I discoved on XXXX ( ref number XXXX ). There were 26 seperate charges for XXXX each totaling XXXX from XXXX that I did not make. This occurred from XX/XX/XXXX to XX/XX/XXXX and each transaction was exactly XXXX. 

I still can not understand why this was allowed to happen. This is clearly fraudulent activity and should not have been allowed to occur. Citizens did nothing to protect me from this whatsoever, it occured over a month. They took XXXX at a time every day or so, maybe skipped a couple and then took another XXXX, 26 times making it difficult for me to notice unless I logged on to look at my account. Citizens NEVER flagged someone taking out XXXX a day, 26 times.. This is unacceptable. 

Citizens closed the debit card and sent me a new one through the mail. They told me that the stolen money would be returned to me 3-5 business days. This did not happen. Nobody has contacted me about this fraud after my initial report. Nobody has mailed or emailed me anything in writing. Nobody has called me about this. I understand there was a recent lawsuit files against Citizens for this exact same reason. It seems they have not learned their lesson and have no refunded me. I have NEVER reported fraud in my life this is the first time and I deserve to have the protection advertised to me. Citizens is not follwing their unauthorized transaction policy nor their debit card zero liabilty policy.

In addition, I have already received one overdraft notice ( which results in a {$35.00} fee ). I am now about to get another overdraft notice because it is now XX/XX/23 and my money has still not been returned. 

I tried calling Citizens bank again on XXXX and asked to speak with a manager. I have now been on hold for 57 minutes and a manager is not answering my call. XXXX is the fraud number and the number I called.
Product: Debt collection

Receivable- Solutions [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX SC XXXX XXXX ] Subject : Unauthorized Access and Collection Account on My Consumer Report Dear Receivable-Solutions, I am writing to bring to your attention a matter of serious concern regarding the access and reporting of my consumer information by your agency. It has come to my knowledge that Receivable- Solutions has gained access to my consumer report without obtaining my written permission, which contravenes the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 604. Furthermore, a collection account has been added to my consumer file without my authorization, violating my rights as per Section 623 of the FCRA, which stipulates the responsibilities of furnishers of information to consumer reporting agencies. This unauthorized access and addition of a collection account constitute a major breach of my privacy and raise serious concerns about potential identity fraud, as outlined in Section 621 ( a ) ( 2 ) of the FCRA, which emphasizes the importance of protecting consumer privacy. In addition to federal law, I want to highlight relevant sections of South Carolina state law. Pursuant to South Carolina Code of Laws Section 37-5-108, it is unlawful to engage in unfair or deceptive acts or practices in the collection of debts, including any conduct that may jeopardize the privacy or welfare of a consumer. Furthermore, under South Carolina Code of Laws Section 37-5-104, creditors and debt collectors are required to provide accurate and complete information to consumer reporting agencies, ensuring the integrity of consumer credit reports. I would like to emphasize that, even in the case of a permissible purpose, consumer consent is a necessity, as per Section 604 ( a ) ( 3 ) ( F ) ( i ) ( I ) of the FCRA, which I have not provided in this instance. I firmly assert that this collection account is unverifiable due to the lack of my written consent for its presence on my credit report. I request that, within 30 days of receiving this letter, Receivable Solutions promptly removes this collection account from my consumer file and expunges all of my personal data from your database, as mandated by Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, I expect Receivable Solutions to communicate appropriately with the credit bureaus to ensure the deletion of this item from my credit report, as per Section 611 ( a ) ( 2 ) of the FCRA. Following the resolution of this matter, I request that all third-party communication and furnishing of my information cease immediately, in accordance with Section 604 ( a ) ( 3 ) ( F ) ( i ) ( II ) of the FCRA. Failure to comply with these requests within the stipulated 30-day timeframe will be considered willful noncompliance and may result in civil accountability for Receivable Solutions , as provided under Section 616 of the FCRA. Done in good faith.
Product: Debt collection

On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from XXXX that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to transunions, XXXX and XXXX and have not recieved updated information. Below is documention of the transaction. 


MED BUSI BUR Original creditor : XXXX XXXX PARTNERS Balance details 0 % of this account is paid off Balance {$72.00} Balance updated XX/XX/XXXX Original balance {$72.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Placed for collection Your statement - Contact info Name MEDICAL BUSINESS BUREAU Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX Is everything correct on your XXXX credit report? 
You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX.
Product: Debt collection

I received my credit report and found a collection from the best service company. I disputed this information with the company. In response, they sent me statements as verification of debt. I have no validation of how this account became allegedly overdrawn. Mere statements do not show a detailed explanation of how these accounts became overdrawn. The statements that I received show XXXX different balances. This is not validation of a overdrawn account. I do n't know what caused this account to be allegedly overdrawn except for there was some form of a bank debit return item. I do n't know what that is? Where is the documentation of this bank debit return item? What was returned? Why was it returned? This information was n't provided to me at all. I never received any form of notice that I had thirty days to dispute the debt before it became valid, I was informed after receiving the statements that my credit report would be updated and there was no reason to not pay the balance. This is a clear violation of my FDCPA rights. XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

These statements do not meet the burden of validation or verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on my credit that i dont ever remember apply for. These are inaccurate and Dont have a right to be on my credit report. 


XXXXXXXX XXXX ( Finance ) XXXX XXXXXXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX BANK XXXX Bank ) XXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank )
Product: Credit reporting or other personal consumer reports

I have been disputing fraudulent accounts on my credit report with Equifax for over a year. I have asked them to validate the debt. They never responded. I then sent them a dispute asking them to delete the fraudulent accounts. They still never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an fraudulent inquiry on my account from US Bank and XXXX is taking no action to help remove this. I've reported this to US Bank and have no reply. I need this inquiry removed now.
Product: Vehicle loan or lease

I have a loan with FTB/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FTB/XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.
Product: Credit card

I did not purchase a flight from XXXX airlines on my Apple credit card and the airlines confirmed over the phone that I didnt take this flight. They offered to reimburse partial credit, deducting XXXX and change from the total. I feel this is unfair because it wasnt mine to begin with. 

Apple Goldman Sachs requested an evidence option to help me but I couldnt get the information in time for the resolution. Once I finally got something, I didnt get the option again and Im charged every XXXX months while I dispute it again for about a year now. I contacted the provider and I was under the impression they do too for their own evidence.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2018 I went to use my lowes credit card that was issued through XXXX XXXX and it declined. My credit limit was increased to XXXX roughly 3 months ago. Called lowes and were told that my limit had been dropped to XXXX. How so, I pay on time every month and have never missed a payment. Ive been a loyal customer. Never even received a letter about the decrease. If my balances are too high well that was the case when I got the increase. Racially profiled me is what they have done.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a call from Western Shamrock on my work phone #. I made a payment via phone that same day & I asked the caller not to call me at work anymore. She stated as long as I did not ignore her phone calls on my cell phone that she would stop calling me at work. I informed her that I could not receive personal phone calls at work. Since then they have called me multiple times on my work phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. I want these calls to stop