23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/2018 I was notified that a negative collection account was placed on my credit account by a RPM Receivables Performance Management for {$77.00}, original client XXXX.

I am in the process of closing on a house so this my prevent me from being able to complete the transaction. I contacted XXXX on XX/XX/XXXX who comfirmed that I owed no money to them. I took the chat transcript and sent to RPM, letting them know this debt was not valid and that any further reporting would be with the knowledge it was false. They ignored me and reported me to further agencies.

They now admit this was in error and was paid, but have yet to remove negative marks from my report.
Product: Prepaid card

XX/XX/year> I purchased gift cards I never inspected them to see if they had been unsealed or tampered with but when I got ready to use the gift card I checked the balance and they all were showing a XXXX balance that they had been used at a merchant Im unfamiliar with I didnt authorize the transaction I reached out to American Express who advised me that they will deny claim without proper reasoning, I shouldnt be held responsible for fraudulent transactions
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into missing information on my credit report. I recently reviewed my credit report and noticed that a credit card account under XXXX XXXX XXXX XXXX ( XXXX ), opened in XX/XX/year>, is not listed. 

Here are the details of the account for your reference : Account Type : Credit Card Financial Institution : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/year> This account is active, and I believe it should be reflected on my credit report to provide a complete and accurate representation of my credit history. 

Please investigate this matter and update my credit report accordingly. If additional information or documentation is required, feel free to contact me directly. I have attached a copy of my government-issued ID and proof of address to assist with verification. 

Thank you for your attention to this matter. I look forward to your response.
Product: Mortgage

PHH Mortgage assumed my home loan 2 years ago and now this is the second time in 2 years and that I am receiving a delinquency and foreclosure proceedings notice for their failure to pay my property taxes on time. There is money in the escrow account but they cant sent seem to pay the property taxes on time. The most recent late payment is for Property taxes due XX/XX/XXXX and to this date of XX/XX/XXXX, the property taxes have NOT been paid. It is beyond frustrating because if it were any other situation, I could get rid of them. But mortgage companies assuming loans is out of my control. Something needs to be done!!!
Product: Debt collection

According to Zions holding Inc Company 's Response We purchased your account from the alarm company XXXX. Your account was set up on XX/XX/XXXX and sent to collections due to non-payment on XX/XX/XXXX. Your statement of the account being 10 years old is not accurate. We have done a thorough investigation of the account. It has been determined that the debt is valid. It doesn't matter if you're the tenant or the landlord. The balance owed is XXXX We are willing to settle your account for a discounted amount of XXXX, if paid by XXXX. If you settle the account, we offer full deletion of debt. We would delete it from the credit bureaus in its entirety. Pay online at zionsdebtholdings.com with account # XXXX. 







Nevertheless from XX/XX/XXXX to XXXX of XXXX I lived in XXXX XXXX XXXX 

I was no longer a tenant at this address or in XXXX during those times. 

Furthermore : A Summary of Your Rights Under the Fair Credit Reporting Act Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 


Therefore not only is this not my account, it is over 7 years old. This company is violating my rights and should be held accountable. The account should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit 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 : 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 or other personal consumer reports

I disputed an collection account XX/XX/XXXX and also filed an complaint with the CFPB about this same collection account that was being inaccurately reported from Experian. I also asked Experian for an re-investigation of this same collection account due to the fact I never received any documentation to validate this alleged collection. On the contrary, Experian deleted this collection from my credit report the XXXX of XXXX of XXXX along with XXXX and XXXX because it could not be properly verified. However, I reviewed my credit report in XXXX of XXXX and this collection reappeared in my credit file. As to date I have not received any written notices from Experian or the XXXX XXXX XXXX XXXX XXXX stating that the reinsertion of a previous deleted account has reappeared into my credit file. I would like to also state the fact that Experian along with XXXX does not properly investigate disputes from consumers.
Product: Credit card

I began contacting Discover Card for an account I had XX/XX/XXXX. I had filed bankruptcy in prior years and came to learn three years later that Discover Card ( amongst others ) had increased my interest rate from or about 3.5 % to over 29 %. At no time did we miss or were we late on a payment. Discover, along with several other credit card providers, had found the bankruptcy, in which I did NOT include any debt I owed, and automatically started slowly increasing the interest rate. After several years of paying the invoices we discovered the large increase and notified each credit card company that followed this process and demanded that they reduce the rate and provide a refund. Many did but Discover did not. We quit paying on the card and continued to demand a refund, which would have resulted in us owing nothing on the card. XXXX when the write-off showed up on credit report I began writing Discover and the credit reporting companies in an effort to have the charge off removed from my report ( see attached letters ). Although I received XXXX response to my XXXX requests, the information requested was never provided. The information I was requesting were items listed on the CFPB site and I referenced the Fair Debt Collections Act in each letter. I have just been turned down for a mortgage refinance on my home because this item is on my credit report. My savings in monthly payments due to the reduced interest rate would have been over {$1200.00} a month, a loss of roughly {$72000.00} over the next five years. This debt was eventually sold and I have had similar contact with the collection firm. They too did not provide the information requested, specifically the information I needed to calculate and show the overcharge of interest.
Product: Credit card or prepaid card

XXXX XXXX states it does not share personal information about their customers with nonaffiliates. I am opting out of ALL sharing to non affiliated third parties and they need to remove my personal information from all credit reporting agencies asap. There is no law that say they MUST report my personal information and I, the consumer, have a right to privacy according to the Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

I contacted Experian multiple times I sent letters certified in the mail with identification these accounts that were opened were opened fraudulently due to identity theft. Most of the accounts from these companies were already removed I'm not sure why these accounts are still reporting. thank you for your help in solving this matter.
Product: Credit reporting or other personal consumer reports

If you claim that these items are entirely accurate and verifiable, I request that you provide copies of any documentation related to these items that bears my signature, as I believe no such documentation exists. When you are unable to produce a signed agreement with my signature, I expect you to promptly remove these fraudulent items from my file. 

XXXXXXXX XXXX  XXXX **** Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$670.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting

Two months ago, I submitted a complaint about Equifax Credit reporting listing a tax lien with the State of California. Equifax , stated that they had investigated and the reporting was accurate. At that point, I took the complaint to the California Franchise Tax Board, and upon investigation California found that while the tax lien was paid, it was in fact placed in error. California Franchise Tax board indicated that they would notify the credit bureaus to remove the lien item. At this time Equifax continues to report this item. I have attached a copy of the release of lien, filed in error and desire that Equifax remove this reporting as it is not only inaccurate but damaging my credit.
Product: Credit reporting or other personal consumer reports

I have been asking all 3 credit bureaus to provide documentation concerning account I have attached to this complaint since XX/XX/2023 up until this point. They continue to say this account has been VERIFIED with documentation. I have yet to receive any documentation with my signature and date contract was signed from Equifax, XXXX, XXXX XXXX or XXXX XXXX. I have sent everything that was requested showing my social security was compromised filled out fraud paperwork that was sent and still nothing that I have requested has been sent.
Product: Mortgage

Wells   Fargo  bank NA has fraudulently tried on several occasions foreclose on a home in probate court and I  XXXX   XXXX   personal rep  of  XXXX   XXXX  my father hav made payments on paid all property taxes and insurance..well s Fargo c laims no  payments w ere made for 15 years since  XXXX  but I hav all proof my dead father and myself made payments since the original loan in  XXXX . I just had to pay  XXXX  to get the loan in my dead father 's name back open and out of default to secure my home me  n  my husband and  XXXX  children live in currently.  Wells Fargo  also put forced insurance and outrageous interest on the loan so the balance has never gone down or had a change unless it was increased for insurance premiums but my dad and me hav had insurance the whole time except around his death in  XXXX   XXXX . I need a representative to fight for the  XXXX  owed to my dead dad and I and what i hav paid on this account to secure this  XXXX  loan balance still since  XXXX .
Product: Vehicle loan or lease

I did a consumer credit transaction with JP Morgan Bank Title 15 U.S. Code 1679a ( 2 ) The term consumer credit transaction means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes.

I filled out a Credit Application with JP Morgan Bank They did not approve me but I have the credit not them JP Morgan Bank A National Bank Part Of The National Banking Associate National Bank Act does not authorize JP Morgan Bank to lend credit Title 12 U.S.Code 24 sets forth powers of national banks.

Howard & Foster Co. vs. Citizens National Bank of Union, 133 S.C. 202 ; 130 SE 758, ( 1927 ), it was stated, It has been settled beyond controversy that a national bank, under Federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another.

In the federal courts, it is well established that a national bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. Farmers and Miners Bank v. Bluefield Natl Bank, 11 F 2d 83, 271 U.S.669.

I use my federal credit card information on the credit application
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

XXXX been told multiply times not to call my job cause I can get terminated..they were told this in middle of XXXX..told this on XXXX XXXX and again on XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX, XXXX XXXX, federally protected consumer, has placed numerous complaints with Experian Information Solutions throughout the year via CFPB about the inaccurate reporting of non-public information.As a federally protected consumer, I have a right to privacy. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft.

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer.

Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist Copy of Experian consumer report Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification )
Product: Credit reporting or other personal consumer reports

request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC XXXX XXXX Criminal Complaint # ( XXXX ) as proof from XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXX/XX/XXXX ACCOUNT # XXXXXX/XX/XXXX ACCOUNT # XXXX DELETE THESE ACCOUNTS IMMEDIATELY UNLESS YOU WANT TO BE HELD {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to detail a long history of inaccuracies & violations to my consumer report. All XXXX consumer reporting bureaus have repeatedly reported false " verified '' info after numerous written and telephone correspondence. I have tried to clear this matter with the bureaus and their source for info being reported, ( XXXX  Department of Revenue, acct # XXXX ). Enclosed are copies of my most current consumer report which shows several reporting inaccuracies that the reporting agencies claimed were investigated and verified. Transunion has also gone so far as to report this SAME account TWICE on my consumer report ( see attached ). All XXXX agencies also have different reporting info. That's an unlawful violation. Due to the inaccurate reporting, violations, and unprofessional sloppiness, I ask that these accounts be permanently removed from my consumer report. 

Furthermore, in accordance with the Fair Credit Reporting act, XXXX XXXX XXXX acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

There was a credit bureau breach and my information got exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a number of " Credit Alerts '' for Collections that I have tried to open a dispute with the agency over a period of 30 days, but each time I attempt to do so its site claims, " We're experiencing technical difficulties and can not access your report at this time. 
Please try again later. '' And when I try calling direct I'm placed on hold interminably. 
One of the Collections is : XXXX XXXX XXXX {$70.00} And another is : XXXX XXXX XXXX {$580.00} Since I can't open a dispute, I can't even determine what these are for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights.

Account number 226581 has no accurate information no name no accurate phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies used the shot gun approach on my credit report with consenting me its damaging to my score
Product: Debt collection

On XX/XX/2018, I rented a car from XXXX XXXX XXXX XXXX at XXXX airport,  Florida. The man that worked with me didn't mention or offer toll road charge prior to my rental. It was my first time being in the state of Florida so I didn't know anything about toll road. Nothing in the paperwork that I signed that state about the toll fee charge. I received the car and drove out and got on the way to where I wanted to go. I saw a XXXX sticker on the inside of the windshield on the driver 's side. I just thought that it was good to use since nothing was mentioned during the paperwork. I drove the car for the total of 3 days. I returned it on XX/XX/2018. At that time, they didn't even mention or ask anything about the toll charge. Until 2-3 weeks later, I received mails stating that I have to pay the toll fees, which I had no clue that I need to pay for. XXXX XXXX XXXX XXXX charged my bank account by the amount they claimed that I owned them. My bank thought it was a fraud because I live in California and the payment was charge outside California, so they void my credit card as fraud, and is was the reason that XXXX XXXX XXXX XXXX is trying to reach me through XXXX XXXX XXXX to collect the money as debt. As a customer, I need to know what fee XXXX XXXX XXXX XXXX will charge me other than the car rental fee. I will not pay anything until I have the answer from XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect address remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Credit reporting

Upon reviewing my Experian credit report ( XXXX ), I discovered an obsolete account ( creditor name, XXXX XXXX, account number XXXX ). Please delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. 
In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XXXX XXXX, 1997, reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired.
Product: Mortgage

This is in continuation of complaints XXXX, XXXX and XXXX. By now, I very well know that I wont get a single penny back from you guys but I wont let you guys off the hook easily. Reason being you guys are so manipulative since the start of the loan process and even now after 3 complaints, you guys are still doing what you are best at i.e., to manipulate the numbers. 

I am not XXXX, the first time you explained the tax credits I got it at that time only and never asked any questions regarding that. And now when you told me that {$500.00} was adjusted against the initial deposit, I wont ask a question on that also. But that {$1000.00} amount which you are telling me is the estimated lenders title policy adjustment credit that is nothing but a blatant lie. In the attached initial estimate, there was no such amount mentioned then how did you come up with that number. There is one amount of owners title policy of {$620.00} but the credit of that is already applied in the estimate which is not a part of adjustments and credits. 

I am saying it again that I know it very well that I wont get a single penny back from you guys because you guys are only interested in coming up with a new story everytime and repeating the same things again and again. If you would have read my complaint every time, you would have not explained the tax credit everytime as I never asked that question except the first complaint. This lenders title policy adjustment was never mentioned in the first 2 complaints and now you floated this term in 3rd complaint. So all I want to know now is what was the calculation logic behind that {$1000.00} amount.