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

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

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

XX/XX/2021 Columbia debt recovery llc did an Hard inquiry for a installment loan on my XXXX  credit report. This is a fraudulent charge that needs to be deleted asap. I never received documents requested by me sent by certified mail to Columbia debt recovery llc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my consumer report and found multiple inaccurate items on my consumer report I notified the credit reporting agencies of the issues and it has been XXXX  days and still no response these issues are causing me pain and suffering and humiliation
Product: Credit reporting, credit repair services, or other personal consumer reports

The account on my credit report with Westlake Portfolio is reporting incomplete information that I have disputed multiple times with Experian. The information is still not correct and the account is still on my credit report. The payment history is incomplete with missing payments. The account was opened in XX/XX/XXXX. However, there are no payments reported until XX/XX/XXXX, which is over a year from when the account was opened. There are also missing payments throughout the payment history. This is incomplete information and a violation of the Fair Credit Reporting act.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed fraudulent accounts and inquires : XXXX XXXX - XXXX XXXX - XXXX XXXX - {$370.00} XXXX XXXX  - XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I know from reading my credit report that you say I have a chargeoff which is debt that has been XXXX and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the irs and you will be reported for such. I demand you to remove this item from my credit report and send the XXXX so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681 eb you are reporting information that's not 100 % accurate. The irs directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. 
Not only is this illegal, this account is a fraudulent account that yall still have yet to remove from my credit report. I have submitted an FTC report along with proof of address and identity multiple times to CFPB and BBB for proof. This account must be removed from my credit report immediately or else my lawyer will seek litigation and compensation for each and every inaccuracy immediately because we gave EQUIFAX XXXX XXXX multiple chances to make this right. 
Also, this account has previously been removed for fraud and re-inserted because XXXX fraudulently changed the account number for this account. I contacted Equifax 's customer service on the phone and they thought this was a brand new account. Please review my XXXX account history and you will see that this is the same account that was previously removed by Equifax, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this negative item as well as compensation for the tremendous amount of time that this account has been reporting to my report.
Product: Credit reporting or other personal consumer reports

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, Iwill require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this must be deleted and completely removed from my credit file and a copy of such deletion request should be sent to me immediately.
Product: Debt collection

I called professional collector corporation on XXXX  XX/XX/XXXX and talked to a man named XXXX. XXXX told me that the medical for XXXXXXXX XXXX XXXX is a bill from XXXX and they dont have the bill. I asked XXXX to send me validation of this bill. XXXX said he cant because they dont have the bill and are not reporting it to the XXXX XXXX So who is reporting this bill to XXXX then? It says right on my credit report that its professional collector corporation. Professional collector corporation keeps adding on interest every time I make a complaint. XXXX is committing fraud by trying to collect on a bill that doesnt exist. This is my XXXX complaint to the cfpb. I even called XXXX and they said that I need to contact XXXX XXXX  XXXX  and get a copy of the bill. I said how do I get a bill that doesnt exist. XXXX XXXX  XXXX  sent me all of the bills but this bill is not in there. Also professional collector corporation tried taking XXXX bills and changed the date and the amount owed. Which I will show you that each bill was paid by my insurance company. You will also see that the XXXX is committing fraud by changing these bills and putting different amounts what is owed to them and bhs. You will see that the bhs and pcc are both committing medical billing fraud. There is one bill that they added over {$240.00} in interest in only about XXXX weeks time. Also I sent these papers to the Wisconsin department of financial institutions and dealt with XXXX XXXX and the XXXX XXXX XXXX. XXXX still has a business license so they must have gave them some kickback. The proof I have is undeniable. You will see my insurance company paid most of my bills by a contractual adjustment. Which means the insurance and provider have it to where the provider cant charge the patient the remaining balance and has to do it as a write off. XXXX XXXX  XXXX  and XXXX  need to be investigated for fraud. This is my XXXX attempt to get this removed off my credit bureau in the last XXXX in a half weeks. I will not stop making complaints until this is removed. Why wont XXXX remove this off my credit report?
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPTEDXXXX 900000********Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXBalance Owed XXXX {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$56000.00}
Product: Credit card

I PURCHASED A BED FOR {$1300.00} WITH NO INTREST IF PAID IN 12 MONTHS..I I DID PAID FULL AMOUNT WITHIN THE THE YEAR. TODAY I STILL OWE XXXX THAT I HAVE NO IDEA WHERE IT CAME FROM? I TRIED TO STOP PAYING THEM, THEY HURT MY CREDIDT SO BAD. AFTER THAT I HAVE NO CHOICE OTHER THEN PAYING THEIR MINIMUM. I WAS FORCED TO PAY A LOT OF MONEY BECAUSE I HAVE NO HELP FROM NO BODY. S SO, I DECIDED TO KNOCK MY GOVERNMENT DOOR FOR HELP. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a dispute to all three credit bureaus regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Checking or savings account

I have been waiting on a response from this company about a dispute I submitted back in XXXX. I have requested updates and the only thing I have been told is what is documented in the uploaded document which means wait longer. Its gong on XXXX. ********* After reading many XXXX reviews, I saw a trend in which Dave will finalize the dispute but close your account so you can't access the funds due to you, and I want to make sure this does not happen to me. I have not been sent an new debit card as one would be sent when your account has been compromised, so I don't feel as if they are going to do right by me. ************ I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as the XXXX XXXX XXXX XXXX XXXX  and I sent the documentation over to them along with my identification card. *********** XXXX XXXX XXXX ( XXXX : XXXX ) is a leading XXXXXXXX XXXX and XXXXXXXX XXXX serving millions of everyday Americans. XXXX uses disruptive technologies to provide best-in-class banking services at a fraction of the price of incumbents. XXXX partners with XXXX XXXX XXXX XXXXXXXX, a XXXX  member. For more information about the company, visit : XXXX For investor information and updates, visit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, we were affected by the hurricane and offered disaster relief assistance from XXXX ( mortgage company ). We did not have to make a payment XXXX XXXX & XX/XX/XXXX. We were given the option to modify or accept a forbearance. In the process of modifying the account was transferred to XXXX XXXX. It took almost a year to rectify this issue because XXXX did not have us classified as being under a program so our loan was considered delinquent. After several complaints and the assistance of FHA/HUD. We were able to rectify the situation. We were advised no late fees would be assessed and our credit would reflect affected by disaster/current. In XX/XX/XXXX when the partial modification was completed, I had to request an update to the credit bureau because the loan was showing 90 days delinquent. It was updated to current. Then in XX/XX/XXXX, XXXX XXXX   reported the account 129-160 days delinquent. We have already established that the account was never delinquent but under a disaster program. I am currently trying to refinance and I can not because they keep reporting the account as negative. They updated it to current but was over 90 days delinquent. This has prevented me from getting a line of credit and the interest rate on the refinance is higher. I need XXXX to advise XXXX XXXX   that no fees should have been assessed on the missed payments, I need XXXX XXXX to waive the late fees that were added, correct my credit report to show CURRENT PAYS ON TIME NEVER LATE and to adjust the balance of the partial modification. I have asked several times for a supervisor and I have never received a call back!
Product: Payday loan, title loan, or personal loan

i went to school to complete XXXX XXXX the school and contracted XXXX   companies assumed i will finish the class past all the test and be a XXXX  and i that was my goal too now mind you the 3 parts had their belief in what was going to go down and we were all wrong i went out with my trainers in XX/XX/XXXX he showed little interest in training me it was more about the dollar amount he was getting for me sitting in his XXXX as a trainee and he said it so many times and when he did not get what he from the company he showed less and he harassed me and went home frequently and when he came back he ranted and harassed me even more he would start off with that he missed his wife and he was going home and if XXXX didnt give him what he wanted then he wasnt going to complete my XXXX i was frighten of him he intimated me we XXXX   through 15 states ( XXXX ) with him acting like a crazy man by the end of XX/XX/XXXX i was on a different trainer this trainer was not happy to see me and when we started he yelled alot like we were in booth camp when i almost slammed into a guard rail he wanted me off his XXXX  so i left went home they want to garish my wages in XX/XX/XXXX i already have a court date and i am asking to settle this dept and what would it take
Product: Credit reporting or other personal consumer reports

Since XXXX I have been attempting to have inaccurate information removed from my account. Each time I would submit a dispute and follow up the accounts would come back verified and they would say they updated the information. There is no way after all this time the accounts are still incorrect how can you have updated the information 6 times. Also, I kept requesting information on what they did because there is no way you are verifying incorrect information, so I asked for the results from the investigation or proof that an investigation was even done, and they have given me nothing. And as I look over the paperwork most of the time when it says information was updated nothing has changed. They are being dishonest not reviewing the case and pretending to change information while doing nothing. These dishonest practices have cost me time and money. One of them I was forced to pay an illegal collection because at the time I was uneducated and didn't know my rights or how to fight to have it removed and had to pay it to be able to obtain housing for me and my children. It is theXX/XX/XXXX. That was classified as a rental collection. I couldn't obtain housing until that was paid and they had no right to even report the false balance to my credit, but Experian refused to actually investigate and remove it. Which I have proof of and submitted I kept asking them to investigate the company was not providing me with any information that I asked. Now that I am more educated and know my rights, I have come to file a formal complaint because they have once again added false collections to my account, and it has become overwhelming and stressful to have them continue to do this. I have attached the records of dispute on their end from 6 attempts of me trying to have inaccurate info. removed. I have also attached a copy of an example of what I have sent to them asking that they verify information with these companies. To show how clear and concise I am when disputing these errors and how they just bluntly ignore what I ask them to do to help get the errors resolved. If you need me to go and find the other communications I sent I can track them down. I contacted the company on at least 6 different occasions I have proof they received my communication as they responded and I attached the responses from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. None of my request were honored and no documentation as to the dates for the late payments the proof of contract with any of these collections company are provided at any time. They never gave me any proof and just kept saying the errors were valid. Upon checking my credit this month I see that they have added 2 collections to my account from XXXXXX/XX/XXXXXXXX. and XXXX XXXX. I do not owe these people or anyone else anything and there is no way they verified me owing them because I don't.
Product: Mortgage

I have a sent out several Affidavits requesting proof of contract with the alleged owner of my mortgage. My mortgage increased substantially and I questioned the increase. Before this fraud claim was made. I have never missed a payment or been late. The Mortgage company has refused to provide me with a current contract between myself and them they keep providing my original contract but showing me a totally different mortgage payment. I have a fixed rate and set payment yet they increased my mortgage. So I have been sending numerous correspondence requesting proof of contact and they have not shown any. I have documentation that can be provided that shows negotiation attempts on my behalf to have the company go into a contract for a conventional loan. They have refused and continue to avoid providing me with and actual contract with their name and my name on ti with my signed consent to do business with them. I have paid my property taxes and homeowners insurance in full for the year. So I do not need any types of escrow holdings or accounts from this fraudulent company. They also sent out a unknown man to my home to intimidate and stalk my wife and children by taking pictures when I approached his vehicle parked infant of my door and asked who he was he just said Pennymac sent me you need to contact them. I have survenillance footage of this incident and Penny admits they sent someone to my home but won't release the persons name.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/1994 FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that GOLDMAN SACHS BANK USA conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that GOLDMAN SACHS BANK USA will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Product: Checking or savings account

Check # XXXX for {$4800.00} was issued from my business PNC account to a vendor on XX/XX/2022. My vendor deposited the check and it cleared my PNC account. On XX/XX/2022 the vendor sent me his statement from his bank ( XXXX XXXX ) that the check had been pulled from his account with a error notice " to referr to maker ''. My client does not have the funds and XXXX XXXX has confirmed the funds were sent back to PNC and provided their batch number for the transaction. PNC has not yet returned the funds to my account. I reached out to my business banker on XX/XX/XXXX and placed an escalation call to PNC customer service. I have reached out multiple times and still have no answer to where my funds are.