23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted numerous times via telephone and mail regarding a debt that was a charge off and the statute of limitations has expired. I was told by the collector that they bought the debt and I owe the money to them. I contacted the original holder of the credit card Chase Manhattan and they advised that this was a charge off in XX/XX/XXXX. Moreover, I was served documentation dated XXXX/XXXX/XXXX advising that I was being sued if did not pay. I contacted the company and advised that I did not owe this debt to them as per the statute of limitations in my state has expired. I was then advised that I would be sued and that I needed to hire an attorney. Moreover, I researched the company and discovered that this a predatory collection company which goes by several different names and uses scare tactics to harass people into thinking they are a legitimate mediation firm and they are being sued and/or this firm claims to be the legitimate holder of the loan and that the statute of limitations runs 10 years from the last date of payment. This company continually continues to harass me by using a robocaller, live telephone calls and now mail. This is creating undue XXXX and XXXX that is becoming increasingly intolerable and I am respectfully seeking relief from this stalking that has been brought upon me.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent off three letters in the month of XXXX and still haven't received any response. 
plus Capital one is reporting late payment on my credit report which 15 usc a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, my Victoria 's Secret account was paid in full and closed, with a final payment of {$170.00}. My balance is {$0.00}, and I don't owe and my credit report should have been updated as of XX/XX/XXXX. On my credit report the Department of Justice had an inquiry in regards to my account since is posted twice and why is it in collections if it was paid in full for the last payment in-house with Victoria 's Secret. This has harmed my employment qualification and will continue, it will prevent me from obtaining employment with government entities due to misinformation stating I owe and it's in collections. Below I have copied and pasted as it shows on my credit report for the Department of Justice pull credit report inquiry. 

XXXX responded with a letter of {$0.00} on XX/XX/XXXX, account ending in XXXX. 

CREDITOR : CB/VICSCRT ACCOUNT : AMOUNT : {$1200.00} BALANCE : {$0.00} XXXX XXXX XXXX XXXX INDIV ACC NARRATIVE 1-ACCOUNT CLOSED BY XXXX XXXX DATE REPORTED : XXXX DATE ASSIGNED XXXX XXXX ACTIVITY DATE XXXX XXXXXXXX  BALANCE DATE XXXX XXXX XXXX XXXX XXXX XXXX STATUS : CLOSED CREDITOR XXXX COMENITYBANK/VICTORIA ACCOUNT : XXXX XXXX XXXX XXXX} BALANCE XXXX XXXX DATE REPORTED : XXXX DATE ASSIGNED XXXX XXXX ACTIVITY DATE XXXX XXXX BALANCE DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUBSCRIBER NAME XXXX XXXX DATE SUBSCRIBER NAMXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INDIV ACC NARRATIVE 1-PAID CHARGE OFF NARRATIVE 2-ACCOUNT CHARGED TO PROFIT AND LOSS NARRATIVE 3-ACCOUNT CLOSED BY XXXX XXXX
Product: Mortgage

I closed on my property on XXXX/XXXX/15. I received a voice mail by the Escrow officer, XXXX XXXX, at the ohio real title agency on XXXX/XXXX/15 and was told to bring {$5200.00} certified bank check to closing on XXXX/XXXX/15. Upon closing on XXXX/XXXX/15, the notary from Ohio Real Title stated that they had not yet received the final closing disclosure from XXXX XXXX of XXXX. After reviewing and signing the documents that were on time and available at my closing on XXXX/XXXX/15, first federal had submitted the final closing disclosure to ohio real title which was then faxed to the location where I was signing the final documents. The final closing disclosure showed the amount cash to close for {$5000.00}. At that time, I was advised by the Ohio Real Title Agency Notary that I would receive a refund for the exact amount that I had over paid with my certified bank check, due to the escrow officers error in telling me the incorrect amount to bring to closing. About XXXX week later, I received a check in the mail from Ohio Real Title for the amount of {$110.00}. I called the escrow officer, XXXX XXXX, and the Post closing manager, XXXX XXXX, and was told that I was refunded a smaller amount because of a XXXX mortgage -- -- the first time I had heard that I had a " XXXX mortgage. '' I then contacted OHFA to verifiy that I did not have a XXXX mortgage, as I was told by XXXX at OHFA in XXXX, that I did not have a XXXX mortgage and I was given incorrect information from Ohio Real Title. XXXX gave me the # for the OHFA Coordinator, XXXX XXXX, to pass along to XXXX XXXX and XXXX XXXX to verify and clarify this with Ohio Real Title. Later on, in e-mail communication, XXXX XXXX stated that I was given incorrect information in stating I had a XXXX mortgage, but I actually had a " rider '' which resulted in new additional " recording fees '' that were not listed on my final closing disclosure. The final closing disclosure that I signed on the date of closing, XXXX/XXXX/15, is not the same final closing disclosure that the Escrow Officer provided me showing the " new recording fees. '' The dates of the documents are different, and the numbers/figures are altered and not the same as the final closing disclosure document that I signed at closing. I simply would like my money refunded that I overpaid, as I was told to bring a larger amount to closing then what was needed at closing. I was to receive a refund of {$180.00} total, I received a check from ohio real title for the amount of {$110.00}, thus being short of {$72.00}. I am most concerned with the numbers and dates being altered on the final closing disclosure that I received at a later date, showing a different amount in fees. I signed a different final closing disclosure at my closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX  XXXX XXXX and CITICARDS CBNA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and XXXX XXXX XXXX XXXXXXXX XXXX and CITICARDS CBNA with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report from XX/XX/2018 for this company : CHECKNGO/AXF XXXX XXXX XXXX XXXX, OH XXXX I never applied for any credit with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX erroneous reported me as XXXX late for XX/XX/XXXX and XX/XX/XXXX. I raised my hand XX/XX/XXXX and my credit report is still wrong. My score dropped 40+ points. I am presently in the process of refinancing and when my lender received notice of the mortgage late, my interest rate increased from 4.1 % to 5.378 %. 

Also in XX/XX/XXXX, I obtained a modification with XXXX and my credit was not suppressed while I was in an approved workout which is also affecting my credit and my escrow was not spread correctly leaving me with an escrow shortage.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Unauthorized transactions to my credit union account. I already ordered new debit /credit cards
Product: Debt collection

I am writing to express my extreme dissatisfaction and urgency in addressing a critical matter that requires your immediate attention. It has come to my attention that there is a fraudulent account tarnishing my credit report, and I demand an aggressive and immediate deletion of this erroneous entry. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The presence of this fraudulent account on my credit report is not only an inconvenience but a blatant violation of my financial security. I refuse to accept any delays in rectifying this situation, and I insist that you take swift action to remove this fraudulent account without further delay. 

Details of the fraudulent account are as follows : XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 

The presence of a fraudulent account on my credit report poses a serious threat to my financial well-being, and I will not tolerate any further delays in resolving this matter. Failure to comply with this request will leave me with no choice but to escalate this issue through legal channels to protect my rights. 

I insist that Equifax treat this matter with the utmost urgency and professionalism. I anticipate your immediate attention to this issue and a satisfactory resolution in the shortest possible time. 

I expect your prompt response.
Product: Debt collection

I received a letter in the mail from a company that I allegedly owed a debt too, which is not the original company that I dealt with. I sent them a certified letter asking them to verify the debt. The letter was mailed on XX/XX/2022 and they signed for it on XX/XX/2022. It has been three months since I have asked them to verify the validity of this debt and there has been no response.
Product: Credit reporting or other personal consumer reports

My credit was ran by XXXXXXXX XXXX without authorization. This is caused a debt into my credit report. It is causing me pain to continue to deal with this.
Product: Mortgage

This is INCORRECT. I have emails from the VP of the company saying this will be removed. Get this removed ASAP.
Product: Credit reporting or other personal consumer reports

these accts arent mine and I have already tried disputing them with an ftc report and letter but I am not getting any response back. these are associated with someone else
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes and complaints with the XXXX  and XXXX dispute department. I informed them that this account was opened fraudulently and they have yet to remove this account from my credit file. I was informed that this account is accurate and belongs to me but have yet to receive any proof. 
I need this account removed and blocked permanently
Product: Debt collection

Subject : Complaint Regarding Sunrise Credit Services Failure to Provide Debt Validation Notice To Whom It May Concern, I am filing a formal complaint against Sunrise Credit Services, which reported a collection account on my credit report without providing the required validation notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ). 

On or around XX/XX/scrub>XXXX XXXX XXXX  a collection account from Sunrise Credit Services appeared on my credit report. However, I have never received any written communication or validation notice from the company prior to or after this reporting. There has been no contact via mail or any other method explaining the nature or details of the debt. 

As outlined by federal law, debt collectors are required to send a written notice within five days of initial communication detailing : The amount of the alleged debt The name of the original creditor My right to dispute the debt within 30 days and request validation Because Sunrise Credit Services failed to meet this requirement, I have been denied my legal right to dispute and verify the legitimacy of this debt. Their actions represent a clear violation of federal consumer protection laws. 

Requested Resolution : I respectfully request that the CFPB investigate this matter If Sunrise Credit Services can not provide documented evidence of a properly delivered validation notice, I request that the collection account be removed from all credit bureaus immediately I also ask that appropriate regulatory action be considered against the agency for their failure to comply with the FDCPA Attached is a copy of my credit report showing Sunrise Credit Services as the reporting agency. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions. 

XXXX. ) Collections : XXXX XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$780.00} XXXX. ) Collections : XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$290.00} XXXX. ) Collections : XXXX. XXXX XXXX account # XXXX open date XX/XX/XXXX amount of {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 an account without my written instructions.

Equifax Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Equifax is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate
Product: Credit reporting or other personal consumer reports

I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act. Which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer financial protection act, as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provide consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters on XX/XX/2023 to XXXX, Equifax, and XXXX regarding problems on my credit report. There is a female name reporting, XXXX accounts reflecting false late payments, and unauthorized inquires. I asked them to remove these issues and i did not get any answers. I have been patiently checking my credit reports, but the problems are still there. On XX/XX/2023, I sent another set of letters, but I am very frustrated that I am being ignored. These issues are hurting me as a small business owner and preventing me from expansion of my company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Possible loan company has put a derogatory mark on my credit report at - XXXX points due to one payment of XXXX dallors after I had emailed them several times about my payment when it was in good standing I wa neve late in my payments and our on time after they took their payment on XX/XX/XXXX and weeks before I told them to I had a payment plan and to stop Over drafting my bank account to be bias and aut of retaliation they reported me to two XXXX agencies and for negative XXXX points for XXXX they have no phone to be reached out address its completely wrong and fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX   violated my 609 rights by reporting incorrect information to Equifax regarding my credit profile. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, names, and employers corrected on my report as this is a violation on my consumer protection rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I mailed dispute letters to XXXX, Equifax, and XXXX regarding the correction of several inaccuracies on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX directly to XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

In accordance to 15 U.S. Code 1692g, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX were to provide a breakdown of what the past due balance is for and a copy of the original signed contract from the original creditor. 

Pursuant to FCRA section 609, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a request for copies of the original signed contract/agreement/application was sent to XXXX XXXXXXXX, and XXXX XXXX. 

As of today, the credit reporting agencies ( XXXX, Equifax, and XXXX ) and credit furnishers have yet to respond back to the disputes, debt validation, and section 609 requests.
Product: Credit reporting or other personal consumer reports

I disputed charges with all 3 credit companies and submitted my proof of identity theft Report from the IRS to these companies i was advised my disputes would take 30 -45 days to be resolved and removed its been 6 months now and I'm receiving calls from these collections agencies stating that I owe them money for a credit card I closed out months prior I told them to send me proof of an existing contract that I had with them i asked were they apart the credit card company i made the contract with the said no we are a collections agencies trying to settle my debt with my old credit card company i ask were they on united state soil they said no so I advised them of my status of my citizenship and told them that this fraud for them to try and collect a debt from me I also advised them that the credit card company that sold or gave them my information without my consent is in breach of our contract for selling my in formation just committed fraud Companies involved XXXX, MILESTONE, XXXX XXXX all breach my personal information
Product: Credit reporting

XXXX has attempted to collect the debt of eviction which we do not owe or was discharged in our Bankruptcy. 
Recently, We have received a letter dated XX/XX/XXXX from California, XXXX stated in the paragraph number XXXX : '' The owner 's representative indicated that you were denied tenancy ... On XX/XX/XXXX, XXXX informed the property manager that he was denying your applications due to an eviction. " ( please see attachment, Closure Determination and Request for Additional Information. RE : XXXX ). 
In contrast, we recently requested the credit report from Trans Union and the credit report showed that we have very good credit and no eviction record. 
On or about XX/XX/XXXX, we contacted the XXXX about the inaccurate information from the letter dated XX/XX/XXXX from California, XXXX in which they disputed in the housing discrimination complaint and I was told that they checked our credit reports from Trans-Union Credit Report on XX/XX/XXXX and the credit report showed the inaccurate information that we have bad credit and eviction record ( according to the words of XXXX ). 
The XXXX also told me that they could not show us the report because the report from Trans Union showed differently between landlords ' and tenants '. The Trans Union only showed the inaccurate information to landlords ' requests. the XXXX also told me that they were informed the eviction record from the XXXX. 
On or about XX/XX/XXXX and XX/XX/XXXX, I contact XXXX regarding the inaccurate information in the letter dated XX/XX/XXXX from California, XXXX, XXXX, manager told me that the XXXX reported the incorrect information of eviction for our family to Trans Union, Tenants Screening Companies, and other Credit Report Bureaus. Also, The XXXX demanded that we have to pay the debt of eviction which we do not owe or was discharged in bankruptcy, if not they will continuously report us to Credit Report Bureaus and Tenants Screening Companies until we pay. 
The XXXX and XXXX also demanded us to pay the debt we do not owe or was discharged in bankruptcy for the XXXX because both of them told us that they are friends and because we filed housing discrimination charges to HUD against both of them XXXX and XXXX. 
The Trans Union reports inaccurate information of eviction which we do not owe or was discharge in bankruptcy. 
We filed bankruptcy chapter XXXX in XX/XX/XXXX and got discharged all debts.