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

On XX/XX/scrub>XXXX XXXX XXXX XXXX Flagged my account as a charge off. So I reached out to them requesting for a 1099 so I can file that as an income, but they have not made any effort in sending the requested document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a 30 year veteran of the XXXX XXXX. I am XXXX XXXX XXXX and the lack of respect and lack of assistance have taken its toll on me mentally and physically! I was a victim of identity theft from 2017 Equifax breach, DoD Email Breach, XXXX XXXX XXXX breach. I have reached out to all 3 bureaus and submitted police report ( s ). I have also paid for each credit monitoring service. There have been numerous inquiries and actual theft of my debit and visa cards that I have been dealing with over the last 2 1/2 years! I have placed fraud alerts and frozen my accounts. However, I am in the process of buying a home and my accounts have been unfrozen. I am appalled at the Treatment of US Veterans!  BLUF the bureaus have refused to follow the Law!
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I was shocked to discover that I have been a victim of identity theft. Several accounts, which I did not authorize or open, were listed on my report. This situation has severely impacted me, especially as I am currently in the process of securing a home for my family. I kindly request the prompt removal of all fraudulent accounts from my credit report to mitigate further harm. Your immediate attention to this matter is greatly appreciated.
Product: Debt collection

I have been working diligently on my credit repair. I have found battle after battle, and still feel like I'm be frauded. 

I received in the mail a bill from Jefferson Capitol saying I owe on a cell phone bill to my current cell phone company. 

I do not have any delinquent debt with them. 

I called and they told me they would issue a dispute. 

Now I get another letter stating they want my ss # account # description of error and explanation of why I believe there is an error, dollar amount in question, date of suspected error, cope of the credit report with their trade line. 

I again called them and they told me, ok, we will stop collections, and will not report on my credit reports.
Product: Credit card

I authorized Old Navy to open a new Old Navy store credit account due to the discount associated with this. The Sales associate proceeded to initiate the process, never disclosing that the credit account in question was a Old Navy Visa card. My permission to open a Visa credit card account was never requested nor provided, I only provided permission to open an Old Navy store credit account. Despite this, I received a new Old Navy Visa card in the mail a week later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XXXX XXXX, 2017 & spoke to a rep by the name of XXXX & she assured me that NO ONE from TransUnion verified anything in regards to my credit file & that my XXXX XXXX file has been frozen since XXXX XXXX, 2017. I also contacted the New York Federal Court on the same day & was also told that NO ONE from TransUnion verified any type of bankruptcies.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX. I AM A VICTI OF IDENTITY THEFT. SOMEONE IS DESTRPYING MY CREDIT. ITS MAKING MY LIFE MISERABLE. I AM TRYING TO GET MY BUSINESS GOING AND THESE FRAUDULENT ACCOUNTS ARE HINDERING ME. IVE TRIED TO DIPSUTE THESE ACCOUNTS BEFORE AND THEY KEEP HAUNTING ME. CAN SOMEONE PLEASE HELP ME.
Product: Credit reporting

I had contacted equifax to remove a account from XXXX XXXX. XXXX had supposedly sold my account to another company named XXXX. I had contacted XXXX hoping to pay for delete they told me they were not able to do so due to they had sold the account to another agency, yet i signed into my XXXX account and i am still able to pay my balance. XXXX was paid from XXXX yet still want money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letters to XXXX, Transunion XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This is a violation of my rights. 
When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 


Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Employment : XXXX Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

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. 


If any of the purposes are not present please investigate and delete from my credit report.
Product: Credit reporting or other personal consumer reports

've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX  account # XXXX date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX account # XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX  XXXX account # XXXX XX/XX/XXXX XXXX
Product: Debt collection

Midland Credit Management XXXX XXXX XXXX XXXX XXXX California XXXXXXXX XXXX ID : XXXX Subject : Debt Validation Request for Account No. 
Dear Midland Credit Management, I am writing in response to a notice of debt received from your company via email on XX/XX/year> for the alleged collection debt in amount of {$2600.00}. This letter is a formal request for validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) [ 15 U.S.C. 1692g ]. I request that you provide me with the following information : 1. **Validation of the Debt** : - The original creditor 's name and address. 
- The full account number of the original account.

- The total amount of the debt, including an itemized breakdown of fees, interest, and any other charges.

2. **Proof of Ownership or Assignment** : - Documentation that proves your legal right to collect on this debt, such as the signed agreement or contract with the original creditor.

- Copies of any transfer or assignment documentation showing that you have been authorized to collect this debt.

3. **Payment History and Description** : - A detailed account history from the original creditor, including all charges, payments, and credits applied.

- Documentation that substantiates the amount owed and verifies its accuracy.

4. **Proof of Accuracy and Amount** : - Copies of any documents, agreements, or statements that support the current amount claimed as owed.

Whilst you are gathering this information, please cease all collection activities and communication with me. Kindly do not contact me except to provide the above-requested documentation to validate this debt. Additionally, please ensure that this debt is marked as " disputed '' on any credit reports to which you have reported this information, as is my right under the Fair Credit Reporting Act ( FCRA ).

If you are unable to provide the requested information within 30 days, as stipulated by the FDCPA, I will consider this matter closed and request that any negative information related to this debt be deleted from my credit report. 
Please send your response to the address provided above. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

My mortgage was recently purchased by NewRez ( www.newrez.com ) and there have been many problems with them. 

The company started by double-charging my bank account for my monthly mortgage payment due to a 'glitch ' that hit 2,000 loans during a transfer. Next, the company cancelled my automatic bi-weekly payment plan and refused to switch it back without me going through their process. It has been more than 2 months, and they haven't processed my request. This directly impacts how much interest I pay, and costs me money while they make more money. 

The company 's letter describing the process of my mortgage transfer said my account had automatic monthly payments set-up and I confirmed this online. On XXXX the company had debt collectors calling me saying I was late on payments, their customer service rep told me with the bi-weekly payments being set-up I don't need to make a payment ( conversation took place on XXXX ), and NewRez 's website said I needed to make 1.5x my normal monthly payment ( website checked on XXXX ). How can I know the status of my mortgage when they are so disorganized?! 

The company is raising my monthly payment to " cover escrow '' but my property value is down. This makes no sense, so I requested to have escrow removed from my account and was denied. I have never missed or been late for a payment, therefore there is no cause for denial.
Product: Mortgage

I don't understand how this company can get away with stealing my home and nobody seems to care. I spent everyday for 5yrs trying to figure out how to save my home while this company repeatedly tried to forclose without really knowing how or why they wouldn't even acknowledge me or my ownership of the property and home. 
According to my copy of the paperwork the by far breached their original agreement yet nothing could be done without a lawyer??? They knew I couldn't afford counsel as I had requested hardship packets and tried repeatedly to enlist the help of " Keep Your Home California. '' Finally they went ahead and foreclosed and I lost my home, property, and the easement I owned ( when the loan was actually only for the mobile on the Already Paid For Property ) After complaining several times to CFPB they finally decided to try to pay me off by offering me {$15000.00} to withdraw my complaint. 
Homeless and desperate I agreed to take {$25000.00} if they could get it to me within 30 days so I wouldn't be homeless anymore and they agreed. Needless to say they took at least that 30 days to write up the agreement which was then mailed to me to sign and mailed back, but again they defaulted on that 30 day agreement making the loss of my home and the degree of suffering they had impossed on me that much worse and now they think they can just walk away from this incredible injustice? 
For starters I don't even believe they had a right to claim any lein on my home!!! I don't believe they had correct paperwork, and think they were lying about the amount they said I owed. I believe that when my mother in law passed away they created forged paperwork which they convinced my companion were real, and when he passed away they just took my home as the original loan was for {$50000.00} in XX/XX/XXXXand in XX/XX/XXXX ( 12yrs later ) they claimed I still owed {$42000.00}??? 
The way this company treated me and the amount of stress and sorrow they made me endure is beyond reasonable and I don't believe they should get away with it!!! They have ruined my life and taken everything that meant anything to me all for money and it's unexceptable that this can go on without ever even having to acknowledge they've done anything wrong!!! 
I believe these people knew exactly what they were doing the whole time and yet nothing could be done about it because I couldn't afford legal council??? It should unconstitutional to let company 's do whatever they want, treat people however they want to, and take everything they can from anyone they want simply because they have more money ... Or because we don't have the money to defend ourselves!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an old  XXXX  prepaid account no contract because it was expired, and I was paying on a month to month basis. I had a balance of {$150.00}. which was paid from my account back in  XX/2012 .  XXXX  continues to place an amount {$450.00} on my credit report for a balance owed. I have filed a complaint with the better business bureau disputing the charge s in 2012 and t hey were removed. I provided screen shots of the payments being received by  XXXX  and they continue to charge for an amount that I do not owe.  XXXX  continues to place the account with different collection agencies on my credit report in which at this point  XXXX  refuse to remove it stating the collection account is valid after previous disputes from the past four years, which have been removed and recorded as being invalid. I have filed another complaint with the BBB today and still have documentation of the final payment being received by  XXXX  along with no active contract at the time back i n 2012. This ha s messed up my Credit report by adding it as unpaid collection account.
Product: Debt collection

This is the second time I've written to Portfolio Recovery Assoc!! I first reached out to this debt collector company XX/XX/2022 they never ever wrote me about this so called debt before. I recently sent another certified mail XX/XX/2022 this is when I received numerous outdated paperwork to show as if they've been trying to reach out to me about this debt that is not mines!!! I've asked on two separate occasions to verify this debt they are claiming I owe with original signature on file not showing me the amount of the debt that I so called owed, they refused to acknowledge my request as you will see The documents I will upload again I'm requesting validation not verification of this so called debt! I only received this outdated letter because I open a report with the CFPB. THEY EVEN ADDRESS THE LETTER WITH THE CASE #!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes ( online, over the phone, at least 5 times in the year of XXXX ), most recently XX/XX/XXXX ( via 609 letters ) regarding inaccurate information on my credit reports. Through these letters I have asked for proper documentation validating debts owed and have received nothing. When I've called, most recently XXXX, XXXX, and XX/XX/XXXX, to inquire about whom received this information in order to validate it, the supervisors informed me that they simply do not know and don't have access to that information. 

Under the Fair Credit Reporting Act 15 USC 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of my requests concerning the accounts that are being reported in my credit report. While i have received a credit report stating these accounts are verified, i have YET to receive documents supporting such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted a clerk at the court and the clerk provided me with another set of court documents that I have attached to the compliant that proves these bankruptcies were filed fraudulently in my name. The documents clearly state these three bankruptcies by case number so there is no confusion as to what I am disputing and why. I have tried several times to resolve this issue with Equifax. Please hold Equifax accountable for reporting false information on my credit report even after I provided documentation. Please review the new documents the court clerk provided me. Again, I am submitting the compliant for Equifax to remove these bankruptcies.
Product: Debt collection

I received a letter from a collection agency for a XXXX bill in regards to an old account. I went ahead and paid the bill in the amount of {$570.00} for account number XXXX. A week later I get a letter form another collection agency I know owe {$200.00}. I called the debt collection company and told them a bill for XXXX was just paid and they said they would close the account out. This was back in XX/XX/XXXX. On XX/XX/XXXX XXXX sent me an alert stating there was a new collection on my credit. I called LJ Ross the new collection company and told them the same info I told the last company. They in return told me that verified the debt and suggested I call XXXX. On XX/XX/XXXX I called XXXX and spoke to a customer service rep and he told me something did n't look right. He stated there was a account opened on XX/XX/XXXX and closed on XX/XX/XXXX. He then stated there was a new account with the same address opened on XX/XX/XXXX and closed on XX/XX/XXXX and said it did n't make sense. He then gave me the number of the department who handles closed accounts. The lady on the phone at that point would n't let me speak two words before interrupting me and saying you owe it and the last person had no idea what they were talking about. I kept asking can you please explain the XXXX account that was activated the same day the last account was turned off at the same address. She would n't. I then asked to speak to a manager and she stated one would call me back by the end of the day. As of XXXX EST I have yet to receive a call. 

The XXXX account numbers are : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which are the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED. 


XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Product: Prepaid card

I was given XXXX visa gift cards from prepaid XXXX XXXX about a year and half ago in XXXX. I first tried to use it at XXXX and as the instructions state : 'the initial pin is the last XXXX digits of the card '. I tried those and any other number combination I could figure and it would not work, Despite saying in underline, that it's active for Instore purchase directly on the card. Since then I've tried numerous times to use the card and register it on their website. I'm tired of having it in wallet, so today, XX/XX/XXXX, I went to the website and it says there is an error and to call the number on the card. I'm Pretty sure I've already done this process previously without any lucky. So when I do call the number, it says to enter the number on the card and says it can't find the card account and just keeps asking for me to reenter the number. There's no option to do anything else or get help. Finally, after calling back several times, I got someone after pressing XXXX for reporting it lost and stolen. The person told me I needed to use the website. I said it told me to call them. The person said I needed to fax them and gave me no Information regarding this. When I asked about it, they sped up and said XXXX sentence super fast then hung up. There is absolutely no way to fix this. It's an endless loop of call them, go do it online, call them, etc. its a scam!!
Product: Debt collection

I have been disputing this account for some time now with National Credit Systems. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a driver for XXXX, I am required to get a yearly screening to continue my employment. Checkr began my background check on XX/XX/2023. It has now XX/XX/2023. I have been unable to work since XX/XX/2023. Checkr states the reason the background check is taking so long is because of limited court resources in XXXX XXXX Arizona. I have contacted the clerk of the court for the Superior Court of Arizona. Checkr has not submitted a background check request for me I have been unable to work for XXXX for the last 30 days. I have had to borrow thousands of dollars to avoid eviction, pay my bills, and buy groceries
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS ORIGINALLY WITH XXXX XXXX  IN XXXX, THEN TRANSFER TO XXXX XXXX, THAN XXXX XXXX  IN XX/XX/XXXX, THEN TO XXXX XXXX, THEN TO XXXX XXXX XXXX, THEN BACK TO XXXX  LAST XXXX. 

XXXX XXXX HAS FLAGGED THE ACCOUNT AS 30 DAYS PAST DUE THE ACCOUNT IS CURRENTLY ON AUTOPAY FOR {$1000.00} THERE WAS NEVER ANY DOCUMENTS SENT TO ME VIA EMAIL, OR CERTIFIELD MAIL STATING THAT THE MORTGAGE WAS TRANSFERRED TO ANOTHER CREDITOR. ALSO I NEVER RECEIVED ANYTHING FROM MY BANK THAT A PAYMENT WAS RETURNED. 

THE PAYMENT IS DUE ON THE XXXX OF EACH MONTH. PAYMENTS WERE DEDUCTED TWICE LAST MONTH ON THE XXXX OF XXXX, AND THE XXXX OF XXXX, THEREFORE HOW AM I LATE? 

SPOKE TO A CUSTOMER SERVICE REP ON WEDNESDAY XX/XX/XXXX AND THEY SAID THAT THEY DID NOT SEE A 30 DAY LATE PAYMENT ON THERE END BECAUSE OF THE PAYMENT BEING DEDUCTED TWICE IN ONE MONTH.
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 Balance Owed {$120.00} XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX Balance Owed {$74.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

account XXXX XXXX  reported false information t my credit report