23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Also, please see attached on IQ Data response to the dispute we sent out. They have included only a summary of charges. This is NOT sufficient proof.

I have included a copy of an email to XXXX 30 days prior to moving out requesting a call back, and confirming I would not be renewing my lease. The reason I am adamant on disputing this is because of the following.

1 ) I did due diligence trying to turn in a formal notice to the office. I went by the apartment office three separate times during normal business hours and they were closed.

2 ) I left several voicemail messages asking for a call back. I never heard from anyone.

3 ) I sent an email 30 days prior to my lease expiring stating that I would not be renewing and that I needed a call back to know what my proration would be for XXXX. Again, no response. 

4 ) I professionally cleaned the apartment and dropped the keys off in the drop box prior to my lease expiring.

5 ) I spoke with the maintenance manager and he told me that XXXX XXXX  were undergoing major changes and complete staff turnover was happening. This must be accurate as they no longer are called XXXX. New signage indicates its now called XXXX XXXX. 

This proof sent by IQ data is nothing but an invoice.
Product: Debt collection

I would like to request a copy of all documents verifying that I owe the debt to DISCOVER CARD, Not limited to, but including original application with my signature on it. I have on multiple occasions informed them the account was a result of identity theft, and they keep verifying the information as accurate. I have a right to request the documents they are using to verify that the account wasn't opened fraudulently.
Product: Credit card or prepaid card

I called to report my card was lost on on or around XX/XX/2023 XXXX XX/XX/2023 I filled out a fraud packet on 15 th email it right back after that I called because it says on packet they sent me if I get it back 10 days from XX/XX/2023 id receive a provisional credit which I did get it to them in time they dtill were not done with investigation but as soon as I called about the credit they all of a sudden were done investigation so they denied my claim and said they can't proof fraud but on my email i asked for from them its says i might have dropped my card at gas station or left it in atm i never told them that on any paperwork so they say thats the conflicting information my card was lost at XXXX it was inside a small change purse and i kept my pin on very small piece of paper in another part of change purse with other things written on it so it would be hard to tell its a pin please help me XXXX was taken off my XXXX card that caused me to not be able to pay this month rent I'm on fixed income the direct express card company I feel didn't do a investigation and just doesn't want to give me the credit this card is my XXXX son card who is a minor and I'm his pay e
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Name : XXXX XXXX Account XXXX Opened : XXXX Balance : XXXX Name : XXXX XXXX XXXX Account XXXX Opened : XXXX Balance : XXXX Name : XXXX XXXX XXXX Account number : XXXX Opened : XXXX Balance : XXXX Name : XXXX XXXX XXXXXXXX Account number XXXX XXXX Opened : XXXX Balance : XXXX Name : XXXX XXXX XXXX Account number : XXXX Opened XXXX Balance : XXXX This item is either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair reporting act XXXX XXXX XXXX has violated my right 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 it also says the account is still open which is inaccurate
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX : XXXX XXXX : XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block information on my consumer credit report that is the result of identity theft and fraud. These fraudulent activities have resulted in unauthorized collections accounts that I do not recognize and were not initiated by me. I have attached a list of these fraudulent collections accounts, along with a copy of my consumer credit report that highlights the disputed items. I have also included the FTC Identity Theft Criminal Complaint Number as proof that these items are the result of identity theft. 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 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 
I have never given permission to anyone to report the above information to Experian and 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. The Equifax and XXXX 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 correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX XXXX Balance  : {$500.00} XXXX XXXX XXXX XXXX  Balance : {$500.00}
Product: Credit reporting or other personal consumer reports

My payment history doesnt align with late payments listed on my report. Please correct the mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602A states I have a right to privacy 15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account with out my written instructions Account XXXX XXXX XXXX  TransUnion Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX Date open XX/XX/XXXX Last activity XX/XX/XXXX 2 violations Account XXXXXXXX XXXX XXXXXXXX TransUnion Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XXXX how can last activity be before account was open Three violations XXXX XXXX XXXX TransUnion  Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XXXX how can that last activity be before the account was open? 
Two violations XXXX XXXX XXXX XXXX XXXX Date open XX/XX/XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX how could that last activity be before the account was open? 
One violation XXXX XXXX XXXX Date XXXX Last activity XX/XX/XXXX XXXX  Date open XX/XX/XXXX Last activity XX/XX/XXXX how could that last activity be before the account was open? 
Two violations
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported incorrect information on my credit report. It was due to their own internal system issues and even though they admitted to that, they have not fixed the situation or reported the correct information to the credit reporting agencies.

I have always had AutoPay set up to a bank account on my credit card. XXXX XXXX XXXX said they accidentally stopped that program on my card and removed any bank account connections to pay the credit card bill. They also refused to notify me of amounts due. When calling to pay off the balance and set up Auto Pay again, they admitted it was a system mistake on their end. I had to request to another support number to have it corrected and the late payment removed from my credit report, since it was the fault of XXXX XXXX XXXX systems. They have refused to take this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CAN NOT RESOLVE THE LAST FEW LATE PAYMENTS ON THE ACCOUNT. I HAD SOME MANY PROBLEMS WITH MY COMPUTER IN XX/XX/XXXX AND MY PAYMENTS WERE GETTING IN LATE AND THE SUGGESTION OF THE SUPERVISOR OF XXXX XXXX XXXX I HAD MADE A PAYMENT ON THEIR WEB SITE AND I WAS APPLIED LATE AND MY CAR WAS TOWED FOR THE LAST PAYMENT NOT RECIEVED OR RECIEVED LATE. THIS COMPANY HAS TREATED ME VERY POORLY, AND BULLIED ME INTO BELIEVEING I DESERVED TO HAVE MY CAR TOWED AND TO PAY THE TOWING COMPANY A FEE FOR A PAYMENT MADE BUT NOT POSTED IN TO THE ACCOUNT. THIS ERROR WAS ENTIRELY XXXX XXXX FAULT. 
ALL I WOULD LIKE IS TO HAVE THE LATE PAYMENTS REMOVED FROM MY HISTORY. 
I ALSO DONT KNOW WHY THEY WOULD UPDATE MY ACCOUNT IN XX/XX/XXXX AND XX/XX/XXXX, WHEN I HAVE HAD NO PAYMENT OBLIGATION TO XXXX XXXX, AT THIS RATE I WILL NEVER GET RID OF THIS BAGERING COMPANY FROM MY CREDIT REPORTS. 
PLEASE HELP ME IN REMOVING ALL THIS HISTORY FROM THIS COMPANY ... THIS IS MY RIGHT AS A CONSUMER, I HAVE HAD NO FURTHER BUSINESS WITH THIS COMPANY AND THEY STILL HAVE ACCESS TO DESTROY MY CREDIT ...
Product: Mortgage

I have a reverse mortgage currently serviced by PHH Mortgage Services. My monthly statement has always contained my original loan number and the number of monthly payments they are obligated to make to me and my spouse. My most recent monthly statement excluded both of those numbers. That statement should have included my account number and the fact that there were 300 payments remaining on the account.. I called PHH Mortgage Services to get resolution of the issue and was not only stonewalled with statements like " we have a new vendor doing the statements and that's the way it is '', but when pressed, the PHH agent said I had only 299 payments remaining. ( my previous statement showed 301 remaining payments, so this one should have been 300, not 299 ). 
My loan number and number of remaining payments are extremely important facts that should absolutely be included on any statement issued to me about my account. The fact that their agent understated the number of remaining payments ( on a recorded line ) is a clear example of my need to be able to follow the elements of my account to prevent any fraudulent or erroneous issues. Their refusal to continue including this information on my statements is suspicious at best
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and disappointment with the handling of my identity theft complaints by your bureau. This issue not only involves the theft of my personal data but also highlights the apathetic approach your bureau has taken in managing my case. 

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and its profound impact on my life, your bureau 's response has been alarmingly lackluster. Communication regarding the status of my disputes has been minimal, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the institution I relied upon to protect my credit and financial well-being. 

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. 

The accounts in question are : XXXX XXXX XXXX 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

The Credit Reporting Agencies have become negligent of their Federal duties and compliance with the Fair Credit Reporting Act. This is my 10th CFPB complaint to be submitted in regards with my Requests for the Removal or deletion of the Fraudulent accounts and information being reported on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I was a victim of identity theft, my identity was stolen and used to open these accounts in which I never received any benefits as a result of the identity theft. Also, the Credit Bureaus have claimed that the Disputed items belong to me and that the items were verified and continued reporting these items without sending me proofs of verification or any documents bearing my signature. This is a clear violation of my rights under the FCRA. Once again, I am requesting that the Credit Bureaus remove the following fraudulent items completely from my Credit File 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED 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

In early XXXX. I applied for a Wells Fargo credit card. I received a notice to " Un-freeze '' my credit file. I phoned to advise w.f. that I had done so. The rep. verified access and forwarded my application for processing. I then received notice that w.f. " Was unable to verify me '' and they needed more information! They already have all my privacy information what more could they possibly need? It is my belief that they saw I pay ALL my bills in full and didn't see a big enough payday allowing me an account. In the meantime they have all my privacy and contact information on file to share and sell to whoever they want and there isn't a thing I can do about it, I don't have an account to opt out of this!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy and completeness of my consumer report that you have provided to me and other parties who have received this report. I believe that my consumer report is not in compliance with the laws set forth by the United States Code ( USC ) governing consumer reporting agencies.

Specifically, I believe that the information contained in my report is inaccurate, incomplete, and misleading. This inaccurate information is harming my ability to obtain credit, employment, and other important opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like yours are required to ensure that the information contained in consumer reports is accurate, complete, and up-to-date. The FCRA also requires that consumer reporting agencies investigate any disputes that are submitted by consumers like myself. 

I am requesting that you investigate the inaccurate information in my report and take steps to correct it. I am also requesting that you remove the accounts listed. 

XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Thank you for your attention to this matter. I look forward to hearing back from you. 

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

I am writing to inform you that I am a victim of identity theft, which has resulted in the unauthorized appearance of accounts on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following unauthorized account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> o Balance : {$1400.00}
Product: Debt collection

I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to an account that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX   several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report ( XXXX ), I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : ( XXXX XXXX ) # XXXX account number. I also want the following unauthorized inquiries from XXXX, XXXX removed. I have even sent copies from XXXX  & XXXX  showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Mortgage

Nationstar Mortgage has kept my excess escrow from 2015. They still are charging my account an escrow fee even though I 've paid the taxes and insurance directly.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXXXXXXT Account # XXXX, XXXX-XXXX XXXX # XXXX, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 USC 1681 section 602. States I have right to privacy. 

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not without my written instructions. 

15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose This is in relation to Discover Bank on an account closed as of XX/XX/2021.
Product: Vehicle loan or lease

I got a car from XXXX and received a loan from a company called American credit acceptance I paid over XXXX last month in XXXX and asked them to put most of payment amount towards my principal they told me No we are putting your money towards the interest I asked them how are doing something I didn't ask for with my money I never agreed to paying off the interest first I rather pay for the loan amount first to bring down my interest this is my first time ever getting any type of loan this big and I'm being taking advantage of I also requested my contract from XXXX because somethings aren't right with how I'm getting treated. And the pay off amount has went down only a {$1.00} and how if I'm paying my bill every month
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  : XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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: Vehicle loan or lease

This inquiry is evidence that this company used my credit without my consent.