23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023 and XX/XX/2023 I received an alert about a new trade line for a collection in the amount of {$580.00} being added to my credit reports which dropped my score by several points. I have NOT ONCE received ANY written correspondence whatsoever from Consumer Adjustment Co. about this alleged debt, and the amount they are referring to, giving me the opportunity to dispute the debt as per the FCRA. This alleged debt is also beyond the statute of limitations for reporting on any of my credit reports. 
I DISPUTE THE VALIDITY OF THIS DEBT and want the collections permanently removed from ALL of my credit reports immediately. 
I also want the following information sent to me The name and address of the Original creditor.

The account number.

Copy of ORIGINAL dated and signed written agreements between me and alleged creditor with amount borrowed/owed.

Verification that there is a valid basis for claiming I am required to pay the alleged amount owed.

Full Details about the age and amount of the alleged debt including a copy of the last billing statement from the original creditor.

Proof of ORIGINAL date the Original creditor claims this alleged debt became delinquent.

PROOF this debt is within the legal statute of limitations and how that was determined.

Details about your authority to collect this debt and whether you are licensed in my state and if so provide the date of the license, name on the license, and the license number, As well as the name, address and telephone number of the state agency issuing the license.

It is a violation of federal law for Consumer Adjustment Company to report inaccurate, incomplete or fraudulent information anywhere on my credit reports, thus causing my good credit score to suffer damages. I will exercise my rights to recover damages to my score for illegal reporting.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : U S DEPT OF EDXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I purchased something for about {$230.00} from Best Buy. I was supposed to pay it interest free in 90 days. The first payment was a few days late, but I paid the balance in full. Citibank charged a {$27.00} late fee. I protested but paid the fee. Citibank said they would close the claim. However, they continue to charge {$27.00} each month, a late fee on a late fee on a payment made early. The late charges total {$130.00}. They have reported me to the credit agencies. This is a scam.
Product: Credit reporting or other personal consumer reports

My credit history is over XXXX years old. Ive had credit accounts from the XXXX & XXXX. 

These great credit references show on my credit report but the agencies are NOT showing this positive on my score calculation. The score calculation says credit history XXXX the old.!!!! 

How/ why are they avoiding showing the XXXX years of solid good credit history? 

Its wrong to calculate my history incorrectly.
Product: Bank account or service

1. WELLS FARGO - OPEN NUMEROUS ( XXXX ) CHECKING AND SAVING IN MY NAME AND BUSINESS - AND REPORTED THEM TO XXXX AND XXXX. WHICH CAUSED MY CREDIT TO BE AFFECTED AND A XXXX CARD SHUT DOWN. 
2. XXXX- THEY FLAT OUT CALLED ME A LIAR AND HIDE XXXX ACCOUNTS ( DELETED ) - IN MY NAME AND BUSINESS BECAUSE I HAD OVER XXXX IN CHARGES ON MY DEBIT CARDS AND they were n't even activated. ALSO THEY HAVE MY NAME AND BUSINESS STATING I MADE A DEPOSIT FRAUDLY NO THEY HAVE SMEARED MY NAME AND AS A VET IN THE XXXX.. 

3. XXXX - TRY TO CALL THEM SO MANY TIMES HTAT ALL IU DO IS TALK TO PEOPLE OVERSEAS THEN I CALLED BACK NUMBERS FROM XXXX AND MICHIGAN TO FIND OUT WHAT THE ISSUE IS AND THEY HANG UP. CALL THEM THEY ALL WERE DISPUUTED AND BY LAW THEY A SUPPOSED VALIDATE OR REMOVE - THEY HAVE NOT DONE ONE THING EXCEPT I WAS TOLD I HAVE TO GO TO A BANK AND GET A SC AN COPY NO NO NO NO YOU COME HERE HERE YOU WANT TO SMEAR MY NAME WHY NO VALIDATE ANYONE CAN SEND A SCAN XXXX SEND S SOME SIGNATURE CARD ITS NOT ME. 

THESE PUNKS HIDE IN A XXXX IN XXXX AND MY XCOUNTRY THAT I SACRIFICED MY LIFE ALLOWS IT. THEY ASAP REMOVE BLOCK NOW BY LAW
Product: Consumer Loan

I made 33 payments totaling {$19000.00} the car costs {$26000.00}. However, my balance is {$21000.00} meaning of {$19000.00} the principal applied was only {$4700.00}. Somewhere around {$3500.00} should be my interest for the 33 payments before the insurance applied the payment I should have been at {$17000.00} and some change considering that I paid for youse guys say that about XXXX and some change was applied to my principal.
Product: Credit reporting or other personal consumer reports

CHEX SYSTEMS IS IN SERIOUS VIOLATION OF MY CONSUMER RIGHTS, FEDERAL RIGHTS, AGGRAVATED. IDENTITY THEFT, AND THE TRUTH AND LENDING ACT. AS UPON LOOKING AT THIS FRAUDULENT CREDIT REPORT, THERE ARE SEVERAL ERRORS INCLUDING : MY PERSONAL INFORMATION SUCH AS NAME, ADDRESS, OHONE NUMBER, EMAIL ADDRESS ( WHICH SHOULDNT BE ON THE REPORT ), XXXX XXXX ( TWICE ), XXXX XXXX XXXX XXXX XXXX. ANYTHING FROM XXXX XXXX SHOULD NOT BE ON MY REPORT AT ALL. CHEX SYSTEMS IS IN VIOLATION OF 18 USC 1028 A - AGGRAVATED IDENTITY THEFT, 42 USC 408- ILLEGAL TO ASK FOR SSN, 12 USC 1431 - BANKS CAN NOT LEND MONEY BANKS ARE BORROWERS. SO HOW CAN I OWE ANYTHING ON TOP OF THE FRAUD AND IDENTITY THEFT? 15 USC 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( WHAT PURPOSE DOES THIS HAVE? ), 15 USC 1602 - DEFINITIONS AND RULES OF CONSTRUCTION WE, I AM THE CREDITOR AND CONSUMER!, 15 USC 1681 SECTION 602 A SECTION 2 - A CONSUMING REPORTING AGENCY CAN NOT FURNISH ANY DATA ON ANY CONSUMER REPORT WITHOUT MY WRITTEN CONSENT NOT VERBAL, AND 15 USC 1681 SECTION ( A ) - RIGHT TO PRIVACY, 15 USC 1681C ( A ) ( 5 ) - NO CONSUMER REPORTING AGENCY MAY MAKE XXXX CONSUMER REPORT CONTAINED IN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY ADVERS ITEM OF INFORMATION. YOU MUST REMOVE ALL HARMFUL, NEGATIVE, DECEITFUL INFORMATION OFF OF THIS CHEX SYSTEMS REPORT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Account # XXXX Charge off is considered a certificate of indebtedness, and is filed on 1099C form with IRS, there for is considered income. Income does not report on credit report, and it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX  to have some inquires removed due to a server error. These inquires are as follows : XXXX XXXX XXXX XXXX XXXX  via -XXXX XXXX XXXX XXXX XXXX via XXXX XXXX  -XXXX  XXXX XXXX -XXXX  XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX Customer service would not take care of the negative inquires reporting to the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a statement from Ally regarding the final payment for my stolen XXXX XXXX XXXX. XXXX processed a claim in the amount per the XXXX XXXX  value and thankfully my lease contract had Gap protection built into the plan leaving me only with the insurance deductible of {$500.00} dollars and unpaid late charges of {$120.00}. Upon making my payment I asked the rep if the late fees could be reduced or eliminated She informed me that yes she could take some money off of the late charges but not the insurance deductible as that is what is required per the contract. I thanked her and paid the new amount. A few months later I checked my credit report and it stated that my account was " Paid in full for less than the full balance. '' This is inaccurate as I never paid a reduced amount on the final monthly payment of {$560.00} nor the {$500.00} insurance deductible, only the late fees. Late fees are a penalty to get me to pay and were never referred to or listed/included under the Total loss provisions of the contract. Furthermore, the representative never made mention that by reducing the late fee, my credit report would be negatively impacted and listed as Paid in full for less than balance owed. Ally had a duty to notify me of such to allow me to make the decision to proceed and they failed to do so.
Product: Credit reporting or other personal consumer reports

I called XXXX and XXXX about inquiries on my credit report that I did not make. They informed me to call the companies and speak with them to see if an account was opened and to ask them to remove the inquiry. Speaking with the companies they informed me that nothing was purchased but the only way I could get these inquiries I DID NOT MAKE removed was if this report was made. 

XXXX 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 Report : 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

My issue is with XXXX  's continued use of two accounts on my credit file. They are XXXX XXXX XXXX and Midland Mortgage. Both of these accounts were reaffirmed in a bankruptcy I filed in XXXX. The derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. It is important to note that XXXX  does not show these accounts! Further, both of these accounts have been closed for quite some time XXXX XXXX account was closed on XX/XX/XXXX and Midland Mortgage  was closed on XX/XX/XXXX. ) I was NEVER late on either of these accounts! There should not be anything derogatory on my credit file - whatsoever. 
I contacted XXXX  to advise of the situation, and they said there was nothing that they could do. They said it had to do with the " reaffirmation of debt '' status and THAT IT WOULD NEVER BE REMOVED!! This is so ridiculously unfair and has to be illegal!!! They said that I had to dispute with XXXX and Midland! WHY when they should be removed from credit file - the companies have already reported 100 % on time payments and closed! 
There should not be any negative/derogatory remarks on my credit for a bankruptcy filed over ten years ago!! I want these removed immediately - as per FCRA guidelines.
Product: Money transfer, virtual currency, or money service

I tried to buy a product online ( XXXX for {$250.00} ) but was scammed when the other person tried to get more money out of me when they said my payment didn't go through. XX/XX/XXXX. I used XXXX which I felt safe using since it was connected to my bank app wells Fargo. I immediately called wells Fargo after feeling doubtful & they opened a claims case. I waited forever just to get a letter saying they can't do anything since I authorized the transaction. ( Late XX/XX/XXXX, XX/XX/XXXX) This shouldn't be connected to a banking app if its not safe to use or protected.
Product: Debt collection

On XX/XX/2021, I sent a letter stating that I am not refusing to pay the debt but requesting a validation but they just sent me a simple statement from Citi. I kept on asking for validation but I got nothing but bills and statements. Attached is all the correspondence.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payment late years XXXX
Product: Checking or savings account

Money was took out m account and I did what was needed they mailed a check so they say and I never received it and the account is permanently suspended and I cant see any information on the account and they have been given me the run around for over a year almost and I talked to the support team on email they keep given pretty much nothing good nor anything useful I proved that my account was not authorized by me but yet they took my money then told me my account was in the negative so they took it and then turned around and said they would send a new one and never did and they kept changing the amount of how much I was owed I just need somone to get my money back and then I also had money that was deposited into that closed account and it got returned but they will not tell me to who or anything just that I need to talk to the sender in total it was well over XXXX
Product: Mortgage

You are aware, counsel that the crime of fraud in the mortgage servicing is against public law and I humbly request an investigation in order to save my property, as my ex-wife did not sign any document committing the subject property. 

Since XX/XX/XXXX I filed a complaint with the CPFB Case # XXXX XXXX XXXX, this matter has never been resolved. The reason being the pattern and tactics the companies used and continue to apply to invade State and Federal in my case up to Case # XXXX with Shellpoint Mortgage Servicing. May I understand a fair solution Shellpoint provided the CFPB to date in my case? 

My complaint is that over the years all of the solutions I presented and explored were denied. Moreover, these companies have never presented to the services of your good office a resolution or work on one with me to date. On XX/XX/XXXX, I was in court to postpone the target. The court instructed me to come up with a solution before the XX/XX/XXXX sheriff Sales. 

In view of the above, the only solution that I have is to pay the full amount of the principle of mortgage note debt of {$20000.00}. I need the sales postpone pending an answer from the FBI office concerning my complaint.
Product: Debt collection

I requested original bill from said hospital. The company trying to collect sent me one. On the bill is says amount due XXXX .... On a piece of paper from collection company. They tell me to ignore what is on original bill from swift emergency. If the Bill says I owe XXXX. How can they create a random amount and attach to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete these erroneous items from my credit report as soon as possible. 

*Please remover all non- account holding inquiries over 30 days old. 
Please add a Promotional Suppression to my credit file. 
Please remove all accounts that are not XXXX XXXX  Compliance Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 

Failure to respond satisfactorily within 30days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act 4 ) Financial Injury Thank you for your time, P.s. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforce Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXXtate Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints
Product: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

They are very XXXX this bank is horible with my Im a victim of Id theft and they refuse their is a guy their XXXX with the fraud dept refuse to help me saying I can never have an account when I filed my complaint with this company about it their president sent me a letter apologizing Telling me I can apply for a card with no problem well i just did and they are XXXX saying no that I cant and thats as high as it will go this bank has to be shut down they treat me like XXXX they approve me then say they made a mistake horible customer service they dont agree with what I say complete dishonest bank
Product: Debt collection

SALLI MAE NOW NAVIENT WAS DELETED FROM ALL CREDIT BUREAUS LONG TIME AGO. RECENTLY THEY RE-INSERTED THIS DISCHARGED LOAN WHICH SOL EXPIRED AND HTEY FAILED TO GO TO THE MEETING OF THE CREDORS IN XX/XX/2018 BK XXXX. LASTLY ARE AWARE THAT THIS DEBT WILL CAUSE FINANCIAL HARDSHIP, DUE TO THAT FACT MY HUSBAND IS XXXX AND I BEING XXXX XXXX XXXX.
Product: Credit card or prepaid card

XXXX XXXX XXXX NEEDS TO SEND ALL DOCUMENTS TO THE COURTHOUSE IN RESPONSE TO THE SUBPOENA SENT TO THEM.
Product: Vehicle loan or lease

TOYOTA FINANCIAL SERVICES XXXX The company is reporting inaccurate information on my credit report. There should be NO LATE payments reporting as I was approved for an Extension on my loan. Please review my file and correct the errors immediately.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). CAPITAL ONE is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XXXX22 I received an inquiry from Onemain Personal Loan company, and on XXXX22 I received an inquiry from XXXX Bank, the customer service departments did not help remove the negative inquiries that are reporting on my credit report. this is a fraudulent inquiry, Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I contacted ( XXXX XXXX ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your help and assistance. 

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

According to reports received through XXXX XXXX and directly through TransUnion and XXXX accounts that don't exist such as an account that was now reported as XXXX, Which I don't have and never have. None of my cards have changed names. 
I've copied all point reductions to show that they were suspicious in nature. The XXXX decrease occurred after paying down depts over fraud on a card was removed and paying down cards totalling over XXXX . The increase that month was under XXXX $ as I purchased my sectional through XXXX. I'm still below 5 % and believe I'm being discriminated against. My score dropped XXXX when the fraud occurred and it was not replaced when it was removed XXXX should have been. Oversight is necessary for such instances. My loan is paid down every month all cards are constantly paid on time. I have attached the report showing discriminatory practices as far as my scores are concerned. I have 2 XXXX XXXX cards neither were recently opened and it's stated it wasn't but an additional score hit as if I'm not reviewing it although the score is decreasing. Fraud also occurred on my 1st XXXX XXXX and I didn't regain the points lost from the fraudulent Activity. Consumers should not be penalized for incorrect reporting or FRAUDULENT ACTIVITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I sent a letter to XXXX, Equifax, and XXXX  to remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XXXX/XXXX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.