23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was renting a month to month building on my property a carport and the company I was renting from I decided to cancel and that was in XXXX and on XXXX XXXX XXXX the company cancelled the contract with a amount due and this company Debt Co is trying to charge me double and they said it was for another bill but that doesnt even make sense because the the next payment would even make it that much and I kept being threatened by associate that I if I didnt sign the paper allowing permission to go on my property then they would charge me XXXX and I have all this in email correspondence
Product: Checking or savings account

I have been trying to secure this account with Credit Karma since XX/XX/year> when someone hacked my account and used the virtual card to spend XXXX and XXXX at XXXX XXXX online. they assured me that changing my email and password would fix it and that 2 factor authentication was set up. It was not and the next week the hacker tried to access the account multiple times, then on XX/XX/year> they managed to instant transfer XXXX dollars out of my account after i had told the company I wanted the account frozen and they did not freeze it. Now they are saying that there is no fraud and I authorized it but the documentation shows the IP they are basing the decision on is the same on that initiated the XXXX XXXX charges that were already disputed and returned to me they have failed to properly secure my account.
Product: Mortgage

I have previously submitted a complaint and it was closed when the company responded saying they were fixing things. We filled out our loan modification paperwork on XX/XX/2022 and it was received by Cross Country MortgageXXXX on XX/XX/2022. When I filed the complaint their response was they looked into it and had discovered they hadn't sent the paperwork to the VA. They stated in their response to the complaint that they sent the documents to their closing department to be sent to the VA on XX/XX/2022. Well here we are over a month later and nothing has been sent or changed. We really need them to get it together, to say they are negligent in this case is an understatement. I don't know how they have been able to get away with this and not be reprimanded. When it comes to the credit reporting they had also stated in response to the complaint that they were not following cares act and reporting properly so our credit was taking the hit. They said they would fix it, they didn't and I had to by submitting paperwork to the credit bureaus who then fixed it for us. Well they are reporting that we are 60 plus days late again!! Our credit again is taking the hit for their inability to do their job. I need someone to fix this because no one should have to go through this especially when we have done everything we are supposed to.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Cash app emailed me talking about XXXX XXXX had my financial information an I do not remember giving them permission to have my financial information. I am a federally protected consumer and I feel like they are violating my rights to privacy. I feel like I should be remedied for them violating me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$700.00}, XXXX XXXX Balance : {$380.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXXXXXX Balance : {$700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Product: Debt collection

Hi, I had a collection account for a XXXX postpaid phone account which was in collections. I paid the debt in XX/XX/XXXX through an agreement with the collection company. I just checked my credit report however, and I see that Enhanced Recovery Corp is still reporting XXXX {$120.00} unpaid collection account as recently as XX/XX/XXXX. This is hurting my credit, and they should not be continuing to report the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Transunion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX OF XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Credit reporting or other personal consumer reports

FCRA Section 605C Consumer Submission XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Equifax, XXXX & XXXX URGENT MATTER ( XX/XX/XXXX ) Subject : Urgent Matter - Consumer Submission under FCRA Section 605C Dear Sir/Madam, I am writing to formally challenge fraudulent items on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX, and my Social Security number is XXXX. I am also a victim of human trafficking, which has further complicated my financial situation and led to the fraudulent accounts listed below. 
I dispute the following accounts as fraudulent and request their immediate removal from my credit report : XXXX XXXX Accounts : XXXX. XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$39000.00}, Account : Charged Off XXXX. XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : Charged Off XXXX. XXXX XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Account : Closed XXXX. XXXX XXXX ( XXXX ), Opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Unauthorized Fraudulent Inquiries : 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 XXXXXX/XX/XXXX Fraudulent Addresses to Remove : XXXX. XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX These accounts violate my federally protected consumer rights under 15 U.S.C. 1681, including the right to privacy and the right to dispute inaccurate information. If these accounts can not be verified, they must be removed immediately as per FCRA Section 609 & 611. 
Please address this matter urgently. Failure to respond satisfactorily within 30 days XXXX result in legal action. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of an auto loan account with XXXX XXXX XXXX. The account reflects several inconsistencies and inaccuracies that I believe violate the Fair Credit Reporting Act ( FCRA ). Here are the details : 1. Charge-Off Reporting : The account was marked as a charge-off ( CO ) in XX/XX/XXXX. However, CO continues to appear inconsistently in subsequent months ( e.g., XXXX, XXXX, and XX/XX/XXXX ). If the account was charged off in XXXX, this status should not continue to change afterward. 
2. Incomplete Payment History : Many months are listed as ND ( No Data ), including key months leading up to the charge-off. This lack of information makes it difficult to verify the accuracy and completeness of the reported account history. 
3. Late Payments After Charge-Off : Despite being marked as charged off, late payments are still reported in the payment history after XX/XX/XXXX. Specifically, late payments such as 30 days late appear in XX/XX/XXXX, XX/XX/XXXX, and other months. Late payments should not be reported after a charge-off event. 
4. Timeline of Events : XX/XX/XXXX : Account opened. 
XX/XX/XXXX : Account marked as charged off. 
XX/XX/XXXX : Final payment was reported. 
Various months between XXXX are listed as ND or show discrepancies in payment history. 

I have taken steps to address this issue and now request that XXXX XXXX XXXX verify the accuracy and completeness of this account information. If they can not provide evidence to substantiate the reported data, I request the removal of this account from my credit reports.
Product: Credit card

I entered into an agreement with ATTUniversal/Citicard to pay a credit card debt, The agreement was negotiated by XXXX XXXX XXXX and the payments were made thru them. I have copies of my signed agreement from XXXX and the agreement letter from Citibank. 
The original contract stated that I would pay Citi {$570.00} per month for a total of 12 months. I have copies of the front and back of each of the 12 cleared checks. The checks are dated XX/XX/XXXX thru XX/XX/XXXX. Since the final payment, Citibank has continued to report to the three credit bureaus that I owe them {$10000.00} in spite of my proof of the agreed-upon payoff of 12 x {$570.00} = {$6900.00}. Twice, I have sent them XXXX 1 certified return receipt mail and 1 fax XXXX copies of the cancelled checks and both the XXXX and Citibank agreement letters. They have never acknowledged receipt of any of them. The account has been moved to four different collection agencies who can not provide proof of the check that allegedly did not clear. They just repeat what Citibank has told them " The XXXX XXXX check was returned for insufficient funds. And I, once again, owe them the original amount of $ XXXX. " There was no XX/XX/XXXX check. The XXXX and final payment was XX/XX/XXXX. I have repeatedly asked for proof of the NSF check but have never received it. 
I have written the credit reporting agencies asking them to remove the incorrect information, to no avail. 
Citibank continues to say the NSF check broke our contract and I still owe them the {$10000.00}. I would like to see this item removed from my credit report and marked " paid as agreed. '' Please note this has been going in for more than a year and been circulated to four different collection agencies with NO help from Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove them, or prove validation. 
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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX My name is XXXX XXXX XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. Please remove the following addresses from my credit report they are not accurate please remove delete ASAP : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX i HAVE NEVER USED ANY SOCIAL SECURITY NUMBER ENDING XXXX PLEASE DELETE IT FROM MY CREDIT FILE. THE FOLLOWING NUMBERS ARE NOT MINE : ( 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 I DO NOT WORK FOR ANY OF THESE COMPANIES ERRORS PLEASE DELETE : XXXX   XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit file. These accounts and inquiries were fraudulently opened or made using my personal information, which was compromised due to a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent items removed from my credit report. 
Fraudulent Accounts : 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 XXXXXX/XX/XXXX
Product: Credit reporting

XXXX act # XXXX reported that I was in collections as of XX/XX/XXXX and i was still an XXXX XXXX at XXXX however after contacting both XXXX for proof of being a XXXX XXXX they provided me documentation of enrollment and cancellation on XX/XX/XXXX! I also contacted XXXX and informed them that this was not valid debt and they did nothing so i begin my disputes through the CB 's. I submitted proof of the docs to experian and it stated clearly date canceled balance etc ... The representative told me that since it was fraudulently placed it would be expedited which it has not. The rep I spoke with the other day stated that they received the document and they forwarded it over to the collection agency and to see if they will allow it to be removed. After being on my credit for over 3 months of course it has a very negative impact and I am also being declined for other services due to recent collection reporting from XXXX. I also sent certified letters requesting immediate removal of this account and they are just blowing me off as usual and their validation is just via electronic without actual proof of documents etc ... I want this account deleted immediately. Second account is XXXX act # XXXX this account was in collections as of XX/XX/XXXX I realized that it did not belong to me after contacting the collection agency their response was to send in my Id and personal information and they would investigate however I will not be sending my information to a collection agency who could not send me proof of validation as well as experian not requiring them to do so. This account was listed prior and resold and started over the 7yr term with the new collection agency! I requested that experian remove this information if they could not do so in a 30 day time frame still nothing to this date of a signed document of mine or anything validating this account. Experian has the best interest of the creditors and the collections agency as this is how they make money this is not fair to consumers and I can no longer be held responsible for accounts that are inaccurate and that do not belong to me or I was n't notified legally of any debt just popped up on my report and that makes it mine! Unfair practices and this has to be resolved. Final account to be addressed is XXXX act # XXXX. This is the same ordeal as the issue at hand with XXXX. They illegally placed a debt account on my report and stated they notified me to some address that does not belong to me and they will not provide validation to me and I disputed this through experian but the collection agency response was we alerted you back in XX/XX/XXXX and this act will remain on your file. Despite my efforts of getting inaccurate information removed from my report via experian dispute process they are not providing me proof of what the collections agencies are provided to them as validation. Please help me resolve these issues as I know that experian could care less as long as they keep getting paid!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Debt collection

AMCOL Systems Inc is reporting  XXXX  medical debts to the credit bureaus that I have no knowledge of and that I do n't owe. Thus, I sent AMCOL a letter asking them for a copy of the original bills and detailed statements of the procedures performed. AMCOL received my letter on   XXXX    XXXX , 2017, however, AMCOL has failed to send the requested documents. In fact, AMCOL has n't responded to my request at all.
Product: Payday loan, title loan, or personal loan

Regarding Umpqua Bank of XXXX, OR : Lender took on loan application knowing deadlines and conditions, then declined 8 weeks into the process, just 2.5 weeks ' shy of closing, providing superficial reasoning and zero opportunity for mitigation by borrower. I am now left with no alternate options to close in time, and will have a personal financial impact of $ XXXX due to their incompetence. Lender also refuses to acknowledge my multiple attempts to recover deposit sent, despite the decline taking place 5 business days ago. This is an unethical bank that does not have the consumer 's best interest in mind, and are a black mark on the state of Oregon.
Product: Credit card

Citibank is charging " residual interest '' on a statement from XXXX days go when the entire balance was paid in full. I paid {$750.00} in XX/XX/XXXX to bring the account to a XXXX balance when the account statement was for {$720.00}. In XX/XX/XXXX they billed me {$24.00} in interest when I paid the previous statement in full. When contacted they said it was " residual interest '' from the XX/XX/XXXX statement when I paid {$500.00} and the bill was {$550.00}. I paid {$4.00} of interest on the remaining {$57.00} in XX/XX/XXXX. I attached XX/XX/XXXX 's bill to show that every month my bill was paid in full and the account was always brought to a XXXX balance. It is illegal to charge " residual interest '' after you show a new balance & continue to accrue interest on an account. The final balance is always to reflect all money owed on an account except for outstanding charges not finalized by a retailer since the bill was cut.