23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXXI sent a dispute letter to XXXX regarding an account on my credit report for which they claimed that I owed {$1200.00}. I challenged the accuracy, compliance and reportability of this listing because I am unaware of owing money to this company. I also requested to validate the information, and to provide me with any documentation associated with this account, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. And that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from their company or any company that they represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if they can not validate the debt, they must request that all credit reporting agencies delete the entry. They did not respond within the 30 day period. On XX/XX/XXXX I followed up with another dispute letter to XXXX  stating that by not replying in a timely matter to my initial letter on XX/XX/XXXX, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I stated that I was making a final goodwill attempt to have this matter cleared up because the listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. On XX/XX/XXXX I received a letter back from XXXX  stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. OnXX/XX/XXXX I sent another dispute letter to XXXX stating that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. I requested the description of the procedure used to determine the accuracy and completeness of the information. And additionally I requested for XXXX   to provide me with the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. OnXX/XX/XXXX I received a letter back from XXXX   stating that the account was " Valid '', but I never received any validation with any documentation associated with this account bearing my signature. I have been getting the same response since.
Product: Credit card

On XX/XX/year>, I went to XXXX XXXX 's website & ordered tickets for a concert. The ticket fee was listed {$220.00}. While picking out seats, I was hijacked without authorization to XXXX XXXX. Believing I was still on the XXXX XXXX website, I gave my XXXX XXXX info to secure the tickets. The next day I was alerted by email that my card was charged {$540.00} instead of the {$220.00} quoted. XX/XX/XXXX, I called XXXX XXXX about this overcharge. They informed me that they did not sell me the tickets, but I had unwittingly bought them from XXXX XXXX. I called XXXX XXXX, who refused to refund the charge. I called Comenity Bank and asked them to stop payment for the tickets, but was told it was pending, I would have to wait till it was posted before disputing the charge. On XX/XX/XXXX Comenity initiated a dispute. I spent months on the phone & in writing to the bank. In XXXX, I gave up, feeling harassed by Comenity and paid {$540.00}, though I never received or used the tickets. I canceled the credit card at that time. A couple weeks later, Comenity sent a refund check to me for {$510.00}, which when added to the late fee of {$30.00} equals {$540.00}. They have put that charge of {$540.00} back on my credit card & charged interest on it monthly even though I already paid them and canceled the card. The bank continues to harass me with phone calls, emails and daily texts. I have documents of proof I can send if requested.
Product: Debt collection

This account was placed with this collection agency. And I offered to pay this old debt off in full, for removal from my credit reports. This negative trade line is preventing me from obtaining a new apartment.
Product: Credit reporting or other personal consumer reports

In accordance with the " Fair Credit Reporting Act '', the list of accounts below, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX ) XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX XXXX  - Account XXXX XXXX ) XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX ) XXXX XXXX  Account number XXXX XXXX ) XXXX  XXXX - Account number XXXX XXXX ) XXXX  XXXX - Account number XXXX XXXX XXXX XXXX XXXXXXXX - Account number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account number XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX, XXXX  - Account number XXXX XXXX ) XXXX XXXX - Account number XXXX XXXX ) XXXX XXXX XXXX - Account number XXXX XXXX ) XXXX XXXX XXXX - Account number XXXX All accounts listed above have violated my rights under 15 USC 1681, 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information ; any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years, 15 USC 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: Vehicle loan or lease

I was being charge extra fees and also was being charge for insurance on the vehicle that I already had. Late fees that I was not late on. Lots of extra fees that I didnt have. Especially on auto insurance witch I always XXXX  XXXX  another company.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your XXXX XXXX XXXX. I did not or have not open or authorize this account, and I therefore request that it be closed immediately. 

Thank you, XXXX XXXX XXXX Save on Your Account Radius Global Solutions # : XXXX Balance Due : {$320.00} Account ( s ) in our office : Creditor : XXXX XXXX XXXX Debt Description : Account # : Balance Due : PAST DUE BALANCEXXXX {$320.00} Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Debt collection

On Tuesday XX/XX/2018, I was contacted by XXXX XXXX of the Leviton Law Firm via email. Mr. XXXX sent the same email to three of my email addresses. Later that day, I responded to Mr. XXXX to, among other things, request that he contact me only through one of the three email addresses used, as the other are unrelated to the debt in dispute. 

He has ignored my request to do so and continues to send emails to my three addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through this portal I have filed complaints against Equifax, XXXX, & XXXX. The specifics of the complaint has been provided to several times. They have and are currently displaying blatant disregard for the " Fair Credit Reporting Act '' known as the FCRA. I mailed disputes ( XX/XX/2018 ) which all three agencies failed to respond to in timely fashion. Not only have they failed to respond but they continue to display malicious intent by contacting for instance a creditor and claim fraud on my behalf when I merely requested they investigate a late. 
Specifically the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This behavior flys in face of the intent of the FCRA and should be met with the most severe scrutiny. These agencies use a great deal of misdirection to cause confusion and hopelessness. Please investigate my claims ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off this credit card and they sent me a letter that I was good in good standing, I do not have the letter and they do not have me in their system and they have not deleted and they are reporting different information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX has violated my rights. 
XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX  account # 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.
Product: Mortgage

In XXXX of 2019, Shellpoint Mortgage took over our home loan from XXXX. Unfortunately no one notified us about that transfer. Not XXXX and not Shellpoint. It wasn't until my husband tracked down who held the mortgage in XXXX that we were able to find out about it. Once we found out who to pay, and they sent us a statement we sent in a payment. Then we got another statement and sent in another payment Both payments were returned without being accepted. We had to call them again and pay over the phone. They are still charging us late fees even though we could not have paid them on time because we didn't know who held the mortgage we were never notified! They are also reporting this to credit reports even though it is Shellpoint 's fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX I sent a certified letter to the creditor per XXXX credit bureaus response. The response was that the creditor has certified to XXXX that the information is accurate. I sent a letter to validate this account by providing documents with my signature. The creditor failed to do so. I then requested XXXX credit bureau to furnish me a copy of the documents the creditor used to certified this account, again now XXXX failed to do so. 
On XX/XX/XXXX I filed a dispute to XXXX and Transunion credit bureaus disputing these accounts this also was mailed off by US certified mailed. Again there respond was that the account had been certified by the creditor, I requested the documents that they used to certify these accounts and again they failed to provide me with any documentation that proves this account is 100 % accurate. FCRA section 611 ( a ) plainly states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report these items should be deleted. XXXX  ACCOUNT NO. XXXX AND ACCOUNT XXXX ALONG WITH TRANSUNION ACCOUNT XXXX On XX/XX/XXXX I again reached out to the creditor XXXX XXXX XXXX XXXX per the credit bureaus request asking them to delete these inaccurate accounts. I received a response on XX/XX/XXXX stating that they don't have enough information to process my dispute. Which is ironic because my disputes have all the information that they reported to the credit bureaus and the credit bureaus reported on my credit report that I am disputing as inaccurate. I am enclosing a letter where the creditor XXXX XXXX  reports that the balance on the account is XXXX but the credit bureau XXXX and Transunion report XXXX and XXXX they are reporting totally different information which is a violation and the accounts must be deleted per the FAIR CREDIT REPORTING ACT AND THE FAIR DEBT COLLECTION ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called into XXXX and XXXX to report fraudulent information on my credit file. There was another name listed on my credit file along with fraudulent addresses. They stated that they were unable to verify my identity on over the phone so I was instructed to mail in two forms ID. I mailed out dispute letters also 2 forms of ID. It has been 3 months now and they refuse to remove the fraudulent collections account on my credit file. This has been causing me not only financial hardship it has also been stressful. This is my final request for resolution before I seek counsel. They removed the names and addresses but the fraudulent accounts still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card currently in use with a limit of over {$1700.00} and one that closed with only an approximate {$400.00} limit. The open one was almost maxed out so I paid down all but about {$200.00} of it. Transunion was not reporting the pay off of the credit card so I filed a dispute, asking them to update the balance on the card. It was stating I was at 93 % of my credit usage when it should have been more like 10 %. Once the dispute was completed, Transunion reported the account as closed, dropping my credit score over 80 points. I have tried going to their website and requesting an investigation, but the account is not appearing on my credit report. My wife and I are trying to apply for a mortgage before XXXX of this year, which is why we paid a chunk toward the credit card in an attempt to raise our scores. Please help ASAP.
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 nephew, 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 XXXX out of XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$280.00} ; XXXX XXXXXXXX Balance : {$7800.00} ; XXXX Balance : {$680.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding this late payment, and they have approved updating the accounts to " open or closed /never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX
Product: Mortgage

1. XXXX XXXX XXXX ( a title company ) did not pay off the existing loan by wire transfer as required by the existing lender 's attorney who supplied wiring instructions to NorthStar Funding Inc ( the Mortgage Loan Originating company ). Instead, and for unknown reason, XXXX XXXX sent the payoff funds by check. The result of the delay in payment was that the clients, XXXX XXXX and XXXX XXXX, were forced to pay an additional {$1300.00} in payoff funds to the lender because of changes in exchange rates and approximately {$1600.00} in fees to their attorney for attempting to obtain a refund from XXXX XXXX and NorthStar Funding. 
2. The lender 's attorney states that he received a scan of what appeared to be a copy of a payoff statement that was " grafted '' onto a page containing his letterhead and signature. One of NorthStar Funding or XXXX XXXX is the author of this " grafted '' statement. Such breach of trust is serious and the clients demand an explanation. 
3. The clients requested the name of the companies ' malpractice ( errors and omissions ) insurer. The comanies refuse to provide such. 
4. Although 4 months have passed since they collected their fees in this transaction, XXXX XXXX XXXX and NorthStar Funding have yet to provide their clients with documentation showing that the previous mortgage has been discharged and is satisfied of record.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I recently send this debt on my credit report from this company, stating I owe {$710.00}. I did contact them in regards to this issue spoke with a gentlemen and I advised him that I did not take out a payday loan inXX/XX/2013. Advised rep if a payday loan was taken out inXX/XX/2013 then why 5 years later I am being notified of this issue on my credit report. The representative became very rude and told me I owe this money and need to pay. I ask him how can they verify it was my loan, rep then stated it was verify by e-mail and a bank account that was closed due to fraud. I did ask them to send me something in writing that's valid I took this loan out, the representative refuse and told me to dispute it with XXXX and XXXX. Advised him I will then he stated even if I do he will verify it was me so I have to pay something that doesn't belong to me. This company is a third party collections agency trying to collect money that isn't owe. He stated he was taken out online which anyone can do. They are very rude and disrespectful representative. I am a single mom who doesn't deserve this. There is no factual proof that I took out this loan and they couldn't provide any. The representative also advised they will take me to jail if I didn't pay. This is against Fair regulation Act. I never took out a loan and there is no solid proof, the bank account they're referring to was close for fraud which I told the representative that.