23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First and foremost, I have constantly disputed this debt. XXXX XXXX XXXX XXXX continues to call and leave voicemail messages on both my personal phone and work phone numbers. Because they call BOTH NUMBERS, that is a total of 10-12 calls per week which is in violation of the 777 Rule for regulation F Section 1006.14B21A which restricts agencies to contacting a consumer seven times within seven consecutive days. 

Secondly, every since XXXX, XXXX started harassing me about this debt, I noticed the year on the 1 " statement '' they sent was dated XXXX. Now, the same statement was " re aged '' to XXXX which is illegal. I NEVER made a payment to this collection agency because it is not mine.
Product: Credit card

I believe the accounts are invalid.AMERICAN EXPRESS COMPANY needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the accounts to be removed from my credit & their records AMERICAN EXPRESS XXXX XXXX AMERICAN EXPRESS XXXX
Product: Debt collection

original loan was with XXXX. debt was paid late to XXXX  XXXX XX/XX/2021. Debt has been sold to Vance and Huffman. They are reporting it as a brand new XX/XX/2021 delinquent debt. Original debt is over 3 years old. Vance and Huffman refused to validate debt and insists that it is ok to report the delinquency as XX/XX/2021. Vance and Huffman refused to do due diligence on payment to XXXX XXXX and insisted that the onus of any debt validation is on me and not them.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In   XXXX   I had a short sale. The second mortgage  Ditech Financian  continues to report the 2nd mortgage that they released liability on to this date and it has continued to negatively affect my credit and ability to get approved with lenders. Even though the 4 year seasoning has been met for a conventional loan with the mortgage still reporting as an outstanding debt it causes lenders to either have to pay for a rapid rescore to remove the information or manually underwrite my loan. I would like it removed once and for all.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report Hard Inquiries were identified from : 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 Discover Financial Service, Inquiry Date XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not requested nor authorized by me. Fraud Alert and Freeze were immediately established with Credit Reporting Agency.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX XXXX XXXX XXXX XXXX XXXX if you have any questions or need further information. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called XXXX XXXX ( XXXX XXXX  ) to cancel my car insurance due the amount they were asking in XX/XX/year> I secured a new policy XX/XX/year> with another provider with better rate. 
Per the rep she informed she was sorry they lost a customer and understood. 
I began receiving calls on my phone ( cell phone ) during work hours from a Debt collector. 
I letter came sometime in XX/XX/year> stating my XXXX XXXX XXXX account has gone to collection. If this was not true mark this is not my account. I marked that it was not my account as I ended the account in XXXX. 
On XX/XX/year> I received a letter by mail from Credit Collections Services, stating my account is with them and I am to pay {$240.00} to them in lieu of XXXX XXXX XXXX, who is underwrites for XXXX XXXX who is under XXXX XXXX 
Today I received a text message from CCS to my cell phone stating adverse credit information is to be reported to the credit bureau by this debt collector owing {$240.00}. 
I called the number and the lady stated I did not cancel my auto insurance until XXXX. 
I stated that was untrue and that you do not have my permission to collect a debt that is not mines. This needs to be addressed as I cancelled XXXX and gained better insurance with XXXX XXXX. This debt should not be on my credit report especially when I am in the process of repairing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an reinvestigation requests regarding my credit report over six weeks ago and I have not received any reply. I have will upload the actual reports of all the discrepancies showing of accounts being late and wrong information on my profile by way of certified mail. To date, my file as been placed in archive and am ignored by XXXX. I must assume that it is flagged as " suspicious ''. I am now updating here for help to update all these accounts " paid as agreed '' since they failed to send me the proof of how they were verified and also to remove the invalid employers from my files. Equifax just willfully violated my rights. I will escalate to small claims as a case if they keep fooling around. I had to call to fix my wrong names but they did not even acknowledge my certified letter.

BASED ON THE FCRA GUIDELINES, copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

EMPLOYER IS WRONGLY SHOWING- PLEASE DELETE  XXXX XXXX XXXX - - never received mail - provide proof of documents never being late -- wrong opened date and wrong limit XXXX XXXX never received mail - provide proof of documents never being late- - wrong opened date and wrong limit XXXX/XXXX  XXXX  XXXX - send proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX/XXXX  XXXX  XXXXend proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX XXXX XXXX XXXX, XXXX- Please delete this inquiry as I never worked or never had any business with them -  non authorized inquiry
Product: Payday loan, title loan, or personal loan

Lendup is in violation of FDIC XXXX UNIFORM RETAIL CREDIT CLASSIFICATION AND ACCOUNT MANAGEMENT POLICY Reporting an installment loan, closed-end, unsecured loan as open following 120 days pst due. Per policy, Charge-off should have occurred on our about XX/XX/2016. Instead, 12 month installment note has been left open with 4 years of late payments ( 48 ). 

Attempts to dispute have gone without change.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX RESPONSE TO COMPLAINT # XXXX IS TOTALLY A LIE. FIRST OFF, EQUIFAX DOES NOT REVEAL WHO IS THE FURNISHER OF INFORMATION, WHICH BY LAW THEY MUST. NOW IT IS EITHER THE COURTS WHICH IS CLEARY NOT ACCOURDING TO THE COURTS. OR ITS THEIR BUSINESS PARTNER WHICH IS DOCUMENTED THEY COULD NOT VERIFED ANY OF THE INFORMATION. SO WHO FURNISH AND WHOE VERIDIRED AND INVESTIGATED THE INFORMATION. WELL I KNOW THE ANSWER TO THIS IS NO ONE. THIS IS EXQUIFAX LAST CHANCE TO DELET THIS INFORMATION OF THIS PUBLIC RECORD BEFORE LITIGATION. CFPB PLEAS TAKE NOTE HOW EQUIFAX CONTINUES TO TRAMPLE OVER CONSUMER RIGHTS. 
I WILL STATE MY COMPLAINT AGAIN FOR THE LAST TIME BEFORE LITIGATION. 
After multiple dispute requests over at least 2 years pertaining to reinvestigation of disputed results in regards to my consume report furnished and supplied by Equifax business partner XXXX to Equifax as well as other consumer reporting agencies with disputed and invalidated, unverifiable, and inaccurate information, RE : XXXX XXXX  Bankruptcy # XXXX filing. I declared and stated to Equifax there are errors with the listings of different names, addresses and dates. This act alone have violated federal and states laws of New Jersey, by accepting such Information directly knowing it was unverified and unsubstantiated. This information was provided to Equifax by their business partner XXXX who did have first hand knowledge or was the original furnisher with any first hand knowledge. Neither Equifax or their partner XXXX obtains any written permission from myself the consumer ), express permission or consent to access my consumer report to place inaccurate unverifiable information on it. Attached to this complaint is a reply from the courts and XXXX to my Affidavit of facts, which was not disputed by either and their exact involvement and non-involvement of this particular dispute matter. Equifaxs Legal Department has been notified of all violation so upon receipt of this CFPB complaint, if the public record is not deleted I will keep them as co-defendant in pending litigation with their business partner XXXX they are both responsible for : VIOLATION OF 15 U.S.C. 1681 ( g ) VIOLAITON OF 15 U.S.C. 1681 ( b ) VIOLATION OF 15 U.S.C 1681i ( a ) ( 4 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 2 ) VIOLAITON OF 15 U.S.C 1681 ( a ) ( 7 ) VIOLATION OF 15 U.S.C. 1681 ( g ) ( a ) ( 2 )
Product: Money transfers

Hello, I am a victim of a fraud for false vacation rental for XXXX $ perpetrated by a fellow BOA account holder : '' XXXX XXXX Account # XXXX ''. 
BOA allow this person to create an account to perpetrate this fraud under the above alias and did not adequately ascertain their true identity. 
I have a " move money team '' XXXX # XXXX in progress via XXXX. 
I would like BOA to reimburse me {$800.00}. 
I have been a satisfied preferred account customer many years hope BOA can make this situation right. 
Thank You. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, According to the FCRA consumer reporting agencies must report accurate information. 

Transunion reports on the account XXXX a 90 days past due in XXXX of 2019, and a 120 days past due in XXXX of 2019, while XXXX reports a 60 days past due in XXXX of 2019 and reports 90 days past due in XXXX of 2019, This is inconsistent and inaccurate reporting under the FCRA. please delete this account immediately for failing to report accurate information.
Product: Debt collection

XXXX XXXX XXXX are in violation of the following Debt Collection Rules by the Fair Debt Collection Practices Act ( FDCPA ) that became effective on XX/XX/2021. 
Failure to provide a statement that the communication is from a debt collector. 
Failure to provide an account number associated with the debt. 
Failure to provide an itemization of the current amount of the debt that reflects interest, fees, payments and credits since a particular date, the itemization date. 
Failure to provide the current amount of the debt as of when the validation information is provided. 
Failure to provide me with information about your debt collection rights. 
Failure to provide me information on how to dispute the debt. 
Failure to send a notice that include a tear-off form that you can send back to the debt collector to dispute the debt or take other actions.
Product: Other financial service

Calling me on my job and submitting personal information to co-workers in reference to the debt. Also, the debt collector 's attitude and style of questioning was very unprofessional. I felt I was being interrogated while working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being charged for hospital bill that was supposed to be paid by insurance
Product: Debt collection

XXXX XXXX XXXX  has and is currently using abusive, harassing language almost on a daily basis. They have gone as far as to use other phone numbers, names and other telephone numbers in order to disguise who they really are. When they call they never leave a message and or when you answer there call they immediately tell you they are going to sue you. 
Other telephone numbers XXXX XXXX XXXX has used are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and there are a few more. This doesn't appear to be a reputable, or honest company. 
They persistently call 5-8 times a day, and even on Saturdays and late evening Sundays at XXXX. On Saturday XX/XX/2018 at XXXX they called. They will call never leave a message. The few times I have answered they will never identify themselves and or will start telling you that their going to sue you and take you to court. The only reason that I know it is Portfolio Recovery is my caller ID on my phone will pick up their name. 
They are using illegal measures to collect on things that I have no information about. Debt that I am not aware of. Several years they did take me to court trying to say that I had never paid a credit card off when in fact I had. When it went to court the judge removed their claim citing that I had a receipt for the amount owed. They are criminals, that lie and abuse the law!
Product: Money transfer, virtual currency, or money service

Cash app not having a financial administrator to talk to whenever I called so I want to be part of the class action lawsuit that is supporting people for all their money back from not CASH APP NOT BEING AVAILABLE FOR FRAUDULENT ACTIVITIES
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

I submitted a complaint on XX/XX/23. PHH responded asking for proof of homeowners insurance during the period of XXXX. Documents were uploaded again on XX/XX/23, received notification my documents were processed via email on XX/XX/23. I checked the PHH payment portal and still shows the incorrect amount due to the added escrow account, the monthly mortgage should be {$2100.00}, which is the monthly amount I have been paying for the last 35 monthly payments. Please fix and correct it before next month 's payment due date.
Product: Credit card

I use chase credit card. They have an option to setup interest payment plans and sometimes they allow XXXX interest plans. 

These are deceptive because one plan allows for one item to be delayed with no interest penalty but when trying to do this again that a second item would face interest charges. Now that both are pending items that I would have preferred to cancel these plans but I could not do so on mobile or by phone call such that its deceptive in nature and they only way to end this would be to just simply pay off the statement. I disagree because even if I pay off the statement that it still shows as if I agreed to credit established plan thus I wasnt able to cancel it while pending. 

Deceptive marketing and interest free versus interest single item payment plans should be separate.
Product: Credit reporting or other personal consumer reports

Experian- I have asked over 50 Times to remove the accounts thats not mines that reporting as a Closed account- You have FAILED TO DO SO ITS PASSED 30 days and this is very important for me!
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : XXXX. Proof of contract to establish that your company was entitled to enforce a commercial claim against me. 
XXXX. Provide me a certified copy or an original contract, with my signature. 
a. Certification can be done through the presence of a Notary Public, who duly swears that the copy is a copy of the original contract in question. 
XXXX. Send me proof that your company notified me before or no later than XXXX ( XXXX ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place. 
a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly. 

Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than XXXX ( XXXX ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I may do XXXX or more of the following : XXXX. XXXX a complaint with the Attorney General XXXX. XXXX a complaint with the Federal Trade Commission XXXX. In addition, by previously using the mail to collect on this account you may also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section 18 U.S.C. 1341, which I will file a complaint with the Postal Inspection Service against you. 







By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

The following inquiries need to be removed from my credit report. 

Account : REMOVE XXXX REMOVE
Product: Checking or savings account

I have been banking with SunTrust for many years and on XX/XX/XXXX, I tried to log into my account to review my account balance and I was not able to gain access via online banking. I then visited my local SunTrust branch and was told that the bank had frozen and blocked the account. The bank representative explained that the bank was no longer allowing any transaction to be paid against the account. 

I then asked the bank representative how long will it take before the bank would be releasing the remaining funds of {$2700.00} and was given an estimate of about 15 days, which the representative said was the usual amount of time after an account is closed, before a check is mailed out for the outstanding balance. However, to this day ( XX/XX/XXXX ), I have not received my money and although I have tried several times to ask about it, I can not get the bank to confirm a release date for my money and they will not give a time line. Today, on XX/XX/XXXX, I even went back to my local branch and the representative I spoke with called SunTrust 's fraud division and informed me that the funds were being held " indefinitely. '' She said the department representative, who would not talk with me personally, did not offer a specific day, just indefinitely. 

I have not defrauded the bank in any way and I don't feel that I should not be given my money that the bank is holding. There is also nothing going through and I believe they can see that. I have given the bank sufficient time to ensure any transactions that I made against the account have cleared through the bank.
Product: Debt collection

I received an email stating, Your creditor has agreed to accept {$0.00} as a lump sum payment which will resolve the account for less than the Balance Due. This offer is valid for 15 days from the date of this email and we are not obligated to renew this offer. 

You can accept this offer by calling us at XXXX. 
When I called the number provided I was told it was an error which to me seemed like a deceit tactic to get me to call and therefore breaking the law and consumer protection act.