23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I filed a dispute with Experian and they refuse to do an investigation. I do not understand why they are saying this? I have done everything by the book and file things myself, Having to do this again all because they don't want to do their jobs is crazy. I hope you can help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the day of XX/XX/2022 Sent of letters to XXXX, Transunion, XXXX requesting that the inquires be removed by FCRA act. 
Have made multiple phone calls to the companys because the information is not correct on the credit reports.
Product: Debt collection

Fair Collection & Outsourci is reporting an incorrect & inaccurate rental debt amount on my credit report. The original consumer said that they are reporting the wrong amount. Fair Collection & Outsourci is reporting {$17000.00} and the original amount is {$13000.00} and paid. I demand them to delete this inaccurate information off of all 3 credit reports. Its against the law that they are reporting inaccurate information knowingly, its also against the fair housing law. I will sue if they dont delete it from all 3 credit reports immediately!
Product: Debt collection

To whom it may concern : AMEX is reporting an alleged account in the amount of {$1400.00}. 

This alleged account was never validated and is in violation of the FDCPA. 

Please delete asap. 


Thank you.
Product: Debt collection

MRS Associates continues to re-insert a spectrum bill of {$310.00} onto my credit report after having been removed multiple times due to no supporting information that I owe this debt. I am not aware of and do not owe this debt
Product: Checking or savings account

I submitted a claim for XXXX reimbursement for my wife 's transportation to the XXXXXXXX XXXX on XX/XX/year> in the amount of {$4.00}. A copy of the XXXX XXXX report was included with the claim to show that services were rendered on XX/XX/year>. There was no charge for the clinic service. The claim was denied for reason " Document missing expense amount. '' The document did not have an expense amount because there was no fee from the clinic for the XXXX XXXX. However, transportation cost should still be reimbursed. My claim clearly indicated that the {$4.00} was for XXXX XXXX. 

This is substantially the same issue as the processing error that occurred with my own recent claim for transportation to the same clinic. Optum Bank admitted that they made an error, but they obviously have taken no action to retrain their employees. As such, Optum Bank is perpetuating the problem. Only the most persistent customers -- those who complain to the CFPB -- are getting reimbursed.
Product: Mortgage

I have a mortgage loan that was sold to ocwen, and had fallen behind on payments after some employment issues. Our current payment is approx. XXXX. We called in to ask for arrangements and were told to apply for a loan modification ; we declined and did not fill out paper work, but instead started sending in extra payments to pay down amount owed. We thought we had successfully done so by the beginning of XX/XX/2016 when our outstanding past due amount was approx. XXXX for XX/XX/2016 payment. We sent in XXXX which would have paid past due amount and left only a balance for the current payment month, which was also what the Ocwen website stated up until the first of XXXX. Needless to say that I was ecstatic to be over this hump and done with the nearly 20 calls per day by ocwen 's agents trying to push me into a loan modification or a huge lump sum payment. I was going to make another payment which would have paid my current month, leaving the past due nightmare behind us only to find via Ocwen 's webpage, that this company has reversed all of my payments since XX/XX/2016 ( approx. {$5100.00} ) and is now showing the mortgage in default, with payments owed starting at XX/XX/2016. I called Ocwen and they have no clue what is going on, the foreign sounding rep named XXXX, placed me on hold for 45 minutes only to tell me they have to send in an inquiry to their cashiering dept. to find out why this is being done and that I would have a response in approx. 7 business days, which would put us into the last week of XXXX. They do not know what happened, they do not know where my funds are ( they have not been returned to us ), they do not know how to fix it, but I am accruing fees and interest until they figure it out.
Product: Debt collection

I received a call on XX/XX/XXXX from monkey saying that they were calling about a loan someone open in my name the account was open in XXXX of XXXX under a bank account that I no longer has access too and a job I haven't worked at since XX/XX/XXXX there saying I owe XXXX which I have no clue of the money and that they is going to file a legal suit against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023, XXXX XXXX adds a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX  ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX Acc # XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish 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 record of conviction 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: Consumer Loan

Ally bank, I Leased a vehicle and paid all payments in time. They had XXXX as deposit. I returned the vehicle to a dealer in time of lease, with miles used much less than allowed on lease. Called Ally many times to return deposit. Answer was " wait till final statement ''. Vehicle was sent for inspection by different company, and Ally had 4 inspections. The cost started with XXXX and ballooned. Finally Ally demanded XXXX, after keeping the deposit. Car had minor wear and tear, which was supposed to be free repair per Ally booklet. 
Called them many times, spoke with agent and disputed charges. But the kept on sending threatening letters and sent to Ally asset recovery Center. NO help. Many similar reports on Internet about this ripoff
Product: Debt collection

I received a letter from I.C. System. I have sent 1 letter asking them to validate the date. I asked I.C. System to show me what written contract do I have their company. They sent me another letter with a copy of a XXXX bill. I mailed a letter to them on XX/XX/2019 asking them to explain AGAIN to show me where do I have a contract with I.C. System. They never responded. This morning on XX/XX/2019, I get an alert that I. C. System is reporting on my credit report. This is NOT FAIR because they haven't given me any valid proof where I owe I. C. System. I have been in constant written communication with them. Now they are tarnishing my credit. They don't even have written permission from me to add themselves onto my credit report. They DID NOT provided answers and documentation I have requested. They can't even show anything bearing my signature. This collection agency need to be removed from my credit report!!!!
Product: Credit reporting or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports, and noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my XXXX, you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the CFPB and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that EXPERIAN, XXXX XXXX and XXXX XXXX be liable for your willful noncompliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). I am aware of your illegal practices of sending form letters in response to disputes and challenges. from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. XXXX Terms Frequency : MISSING INFORMATION... There is inadequate information to justify a write-off status on my credit report for an account that does not even show 30, 60, or 90 past due. this is an obvious error please delete it immediately. XXXX FCRA Compliance/Date of First Delinquency : Missing data and information. 
Please delete the error
Product: Debt collection

IQ DATA INTERNATIONAL INC had accessed my personal information without my knowledge and created an account with that personal identifiable information. Additionally, IQ DATA INTERNATIONAL INC and I have no valid contract or agreement evidencing any indebtedness. I requested full accounting pursuant to the XXXX  XXXX laws and did not receive the required documentation within 14 days. Additionally, IQ DATA INTERNATIONAL INC is attempting to extort a daily amount of money in regards to this alleged debt in an attempt to collect on an alleged extension of credit. IQ DATA INTERNATIONAL INC is listing themselves as a creditor on my consumer credit report with full knowledge it has no valid contract or business dealings with me. 

As a result of these issues, my name has been slandered, I have experienced severe XXXX  and XXXX from these unfair and deceptive business practices engaged in the collection of an alleged debt by IQ DATA INTERNATIONAL INC. I found this information out through accessing my credit report. At no time has IQ DATA INTERNATIONAL sent me any notification of this alleged debt in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone used my name to acquire/open an account with XXXX XXXX and this account was ultimately charged off for {$1600.00}. They even used an address on XXXX XXXX in XXXX NY and I never remotely lived in the area. I can not seem to get XXXX to acknowledge this issue and correct it.
Product: Checking or savings account

XXXX XXXX XXXXXXXX Ameris Bank XXXX XXXX XXXXXXXX XXXX, GA XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Driver XXXX XXXX XXXX of closure XX/XX/year> Original Charge off amount {$100.00} Closure Status Paid in Full Closure Status Date XX/XX/year> XXXX, XXXX XXXX : Consumer Relations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX Im requesting removal of this account from my report According to the Fair Credit Reporting Act ( FCRA ) Section 605b. It is illegal to report information on my credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Treasury Closed Reported XXXX/XXXX/XXXX Lacks XXXX Closed Reported XXXX/XXXX/XXXX Us Dept Vets Closed Reported XXXX/XXXX/XXXX Us Dept Vets Closed Reported XXXX/XXXX/XXXX Us Dept Vets Closed Reported XXXX/XXXX/XXXX Diversified {$340.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$390.00} Opened XXXX XXXX, XXXX North Amercn {$640.00} Opened 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. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Debt collection

ACT aka Account Control Technology , Inc., called my father and left threatening messages and where I was about a student loan serviced by XXXX. The person really upset my father, as not only did he know where I was, he was being called and threatened. My father is willing to make a statement about the constant phone calls threatening him and I. I got the number of the ACT collector, and he told me I had to pay {$18000.00}, with a total due of {$19000.00}. I was at the time homeless and in XXXX  with the Veterans Administration.

I had also applied for Federal Loan Forgiveness, ( XXXX Discharge ) and it was approved. I negotiated two payments of {$3200.00}, ( {$6500.00} ) which was debited from my savings by XXXX not ACT. 

This was all a shady collection tactic because I believe they knew that XXXX was about to forgive all of my private loans once they were contacted by XXXX ( XXXX XXXX XXXX ) & The Dept. of Veteran Affairs. I think that ACT new this was the case but still took the money which is unfair. My father is still traumatized by the nasty collections tactics they did, in which nasty and threatening conversations were threatened towards me via my Father and directed at my Father, with threats that if he is harboring me then he is liable. I was getting treatment for XXXX and XXXX  XXXX  from XXXX XXXX XXXX ( XXXX ). 

ALL other XXXX Private Loans were forgiven as soon as they were contacted by XXXX that I was awarded a XXXX ( XXXX XXXX XXXX XXXX XXXX ) and XXXX was also contacted by the Department of Veteran Affairs. I was homeless and then at the VA 's XXXX at the time. I spent 21 years intermittently homeless due to untreated XXXX from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have move out in XX/XX/XXXX in XXXX in XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX. The reason we got kick out from the apartment not due to none/late payment, just we behind renew the lease due to we out of town of the renew period. On the last day before we move out, we asked how much we owe then we could pay off it. and the staff in the administration said they will contact us for payments. Ever since the I never hear from them and tho our deposit could cover because we never got it back. but 6 months later, in XX/XX/XXXX we got call from ( XXXX ) XXXX Michements due to none payment. I have told them that we got attorney to take care the case. But we continually receiving 2 call from them. and the case been hold for 3 months. on XX/XX/XXXX I received call at my office from XXXX XXXX of National Credit System. She said we still owe them money. I told her my attorney will take care of it and I already mark down their information. But ever since the first call from XXXX, I been continually received her call 3 times a week in my office. Its really distributing my life. Even I had told her we will talk to my attorney about it. On XXXX/XXXX/2016 She even asked my co work if she could speak to my manager because I was step out of office. Their company is National Credit System. XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. My legal rights have been violated .This unauthorized and unrecognized hard inquiry on my report.
Product: Credit reporting or other personal consumer reports

I applied for this card, never received a physical card from them. I was able to make my first purchase with an online card. I attempted to pay online like it said I would be able to, when I did they called me a scammer said they could not verify any of my personal information. They declined me the option to log in and make payments like a regular customer after telling them time and time over and over to please let me make my payment online they told me they could not verify I was really myself. I let my attorney speak with them, they still wouldnt allow it. Now they are harassing me, with phone calls every single day, emails harassing me and posted this account on my credit, when they initially said they couldnt verify the account was mine.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I noticed 4 bankruptcies was reinserted back on my credit report with Equifax. I disputed it last year in XX/XX/XXXX and it was verified that XXXX XXXX which is their furnisher did not have any bankruptcies on my consumer report with them. Equifax deleted all four off of my consumer report. They are in violation of the FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy, Duties of furnishers of information to Consumer Reporting Agencies. also 15 US 1681e Accuracy of Information.. Also Equifax has so many inaccuracies in reporting accounts number, date of opening accounts, dates of last activities and amounts and also inaccurate personal information ect. I am also uploading the copy of showing absent credit reports from XXXX  XXXX thru XXXX  XXXX. I am requesting {$1000.00} per inaccuracies from Equifax. XXXX and XXXX is also reporting inaccurate information such as the dates reported, the amount, the date opened the status ect. All three Credit Bureaus are reporting inaccurate information on my consumer report. FCRA Law states that as a consumer we are to have an accurate consumer report with all three credit bureaus, with all of them stating the exact same thing reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my Credit Report, I found that my report contained Numerous Hard Inquires that I never Authorized. 
1. XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX  XXXX XXXX 4.XXXX XXXX. 
5.XXXX  XXXX XXXX XXXX 6XXXX XXXX 7XXXX XXXX XXXX XXXX. 
9. XXXX XXXX XXXX XXXXXXXX. 
10.XXXX XXXX XXXX 
11. XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of fraud and I have a Bankruptcy on my three credit reports ( XXXX, TransUnion, XXXX ) that I never authorized. The lawyer scammed me into filing a bankruptcy when I didn't need it. 
In addition, all the charge-offs accounts ( included in XXXX ) in my credit reports were in good standing before the bankruptcy including my actual mortgage that I'm still paying and it's reflecting as " Debt included in Bankruptcy '' which does not allow me to get approved for financing to get another property. 

Please I need to get this resolved ASAP, as this is causing me too much stress because I'm not able to get approved for any financing due to this Bankruptcy fraud.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Has violated my Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.