23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I CALLED THIS COLLECTION AGENCY THAT MY MORGAGE COMPANY SAID I HAVE A JUDGEMENT AGAINST ME..I PULLED MY CREDIT REPORT TO SEE BUT I DIDNT SEE THEM ON THERE. SO I CALLED THEM AND THEY TELL ME ITS A XXXX DEBT FROM XXXX. I TOLD THEM I DIDNT HAVE A XXXX XXXX MY EX HUSBAND DID AND IT WAS ON OUR DIVORCE DECREE THAT HE WOULD BE RESPONSIBLE FOR HIS BILLS AND HE SAID IT WAS IN UNDEER MY SOCIAL WHICH HE TOLD ME THE SOCIAL OVER THE PHONE I ASKED HIM HOW HE HAD THAT AND HE SAID IT WAS FROM THE DEBTOR.. I SAID NO BECAUSE I NEVER HAD A CARD FROM THAT COMPANY OPEN IN MY NAME HE ASKED ME IF I WAS PAYING IT AND I SAID NO IM NOT PAYING MY EXES BILL THAT IS NOT MINE AND I NEED IT DISPUTED AND HE SAID SO YOU ARE SAYING YOU WONT PAY IT AND I SAID DID YOU NOT HEAR I HAVE NEVER HAD A XXXX CARD AND IT IN LISTED ON MY DIVORCE DECREE THAT MY HUSBAND WAS THE ONE WITH A CARD HOW DO YOU HAVE MY SOCIAL SECURTY # HE SAID ARE YOU REPORTING THIS AS FRUAD. I SAID YES I JUST TOLD YOU I READ HIM OFF WHAT IT SAID ON THE DIVORCE DECREE AND HE JUST KEPT TALKING ABOUT HOW HE DOESNT CARE AND IT WAS ISSUED BY THIS BANK IN BEHAVE OF XXXX AND I TOLD HIM IF WAS MINE HOW WOULD XXXX GRANT ME A CARD NOW THEY WOULD DENY ME..HE SAID BECUASE THEY ARE DIFFERENT BANKS AND I SAID YES BUT IT WOULD HAVE BEEN on my credit these Last 9 yrs o i looked at my report this weekend and that name has not been on there.I still get all the debt collector harassing me all these yrs over my exes bills.can I please have this removed so i can buy my house that was awarded to me in the divorce from my ex please
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have asked on multiple occasions that LVN remove me from their records and to provide me with written proof in accordance to the XXXX and FDCPA of any original wet ink written agreements of me entering into contract with LVN. To show provide proof that I gave my written consent to them to report any positive or negative items on my credit profile and to show any proof that I owe them any debts related to services Ive accepted from them. LVN continues to harass me with threatening language via mail, phone calls, and text. They are damaging my reputation and continues to use my name fraudulently. I have asked them to remove this account and any all negative information associated with my name, the likeness of my name and any addresses current or past
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 15 USC 1681

section 602 A States I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions BANKRUPTCY- XXXX XXXX REMOVED SO I NEED IT GONE ASAP. IF THEY'RE NOT REPORTING WHY ARE YOU???? THEY ALSO STATED THAT BANKRUPCIES IS PUBLIC INFORMATION< ANYONE CAN GET THAT INFO, SO WHY ARE YOU DAMAGING MY REPORT WITH FREE INFORMATION. 
15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany consumer report containing any of the following items of information, Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/year> I emailed the company listed as debt collector to get account number so I can get access to my account and make payments towards the balance. I have been trying for over a year to get ahold of them. I work long hours and lots of days, so email is the main way I'm able to communicate with people. I have never had an issue with anyone else. They want their money and I want to be done with them. I just want to be able to get access to my account and pay towards my balance.
Product: Credit card

I got an alert from XXXX XXXX stating that an account was closed recently. I logged in and saw that Synchrony closed my Discount Tire credit card. This account was opened XXXX  with an {$800.00} credit limit. I was confused as I have NEVER been late, not once on my payments. I logged into my Synchrony account and the chat agent told me that it was due to a review of my credit report that management made the decision to close my account. The agent even acknowledged that I had never been late on my payments. I also pointed out that I have two other accounts with them that I have also remained in good standing with. 
She then told me that I was sent a digital letter from them. I did receive a notification about this correspondence on XXXX which required me to input my zip code to open. I did that and only received an error message with no other way to open the correspondence. 
I don't understand how they can do this if one is in good standing with their organization. I have never been late and this helps my credit when reporting that I am consistently making on-time payments. 
This should not be allowed to occur. 
I can understand closing a habitually delinquent account but to close an account that still has an over {$500.00} balance AND has been paid consistently on time should NEVER be allowed. I am not a risk for them based on my history and feel very victimized by this.
Product: Credit reporting

Company : ProCollect Pro-Collect purchased my account from XXXX ; however, XXXX falsely reported my account as XXXX ( XXXX ) accounts, not XXXX ( XXXX ). Original account has a closed status. 
XXXX XXXX XXXX, Customer Service Rep at ProCollect, verbally told me over the phone that the account was duplicated. ( XXXX contact information at ProCollect : XXXX phone XXXX ext. XXXX ). XXXX XXXX also told me that once I make settlement payment, the account AND duplicate would be deleted from my credit bureau records. 
XXXX account was deleted from XXXX ; however, the other XXXX major Credit Bureaus : XXXX and XXXX, still reflect an outstanding balance. 
Double reporting the same debt is in violation of my rights per the FCRA. 
I want the ProCollect items pertaining to the XXXX account deleted. This debt has been met and satisfied per the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXBalance : {$2400.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXXBalance : {$2700.00} ; XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$5000.00}.
Product: Credit reporting or other personal consumer reports

credit karma is failing to process my dispute regarding unauthorized disclosures under FERPA in regards of my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under federal law you are required to complete an re-investigation and provide an update within 30 days. Please remove the flowering item from my credit report or provide me with the correct information in which I can start the process of legal actions. thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written this company who is furnishing inaccurate information on my consumer report asked for it to be deleted due to unauthorized they told me all inquiries have been verified but did not give any supporting documents or provide with any proof of proper procedures. I also filed a complaint with the FTC complaint number is XXXX
Product: Credit card

My Credit card interest rate was increased to 29.99 % from 26.99 % with home depot. I can't afford the high interest
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible : ACCOUNTS : XXXX XXXX Account Number : XXXX. INQUIRY : XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX.I only received XXXX back there was a month worth of computer generated messages and than I just recently got the response saying it approved and now the claim is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 we took a call from an employee of Rocket Mortgage as we had been inquiring about what rates they could give us. During the course of this call the employee told us they would need to perform a soft credit inquiry to be able to quote us a rate. We confirmed that we would only need to do a soft inquiry, but the information required over the phone included SSNs and the calls are recorded. We stated that we did not feel comfortable giving SSNs over a recorded call. We were then directed to use the website to provide the information to perform the soft credit inquiry. We verbally confirmed that the website could do a soft credit inquiry. 

On XX/XX/2022, we missed a call from the employee following up about the application. We started filling out the information on the site for the soft credit inquiry, and made contact with the employee via telephone. There were some questions during the course of the form completion, most importantly confirmation that the process we were currently going through would result in a soft credit inquiry. At the employees direction we put in clearly nonsensical SSNs ( eg XXXX ) as he stated that would not be able to result in a hard credit inquiry. We submitted the form, asking questions while on the phone with the employee through the majority of the process. Our intention, and what we had been lead to believe was that we were submitting information to perform a soft credit inquiry. 

As a result of the form submission the system performed a hard credit inquiry, resulting in a decrease in the credit scores of both parties seeking the mortgage. We have contacted the company to declare that a hard inquiry was neither our intention, nor what we were lead to believe by the employee. We asked that the inquiry be marked as mistaken in some manner to reverse the damage to our credit scores. The employee stated that a hard inquiry should not have happened based on the instructions we had followed. 

Rocket mortgage requested time to review the recorded calls as well as the form submission. We heard back from them on XX/XX/2022, with the position that the form submission constituted consent to perform a hard inquiry. We asked if they reviewed the calls and heard us specifically consent only to a soft inquiry, and complete the form at the direction of the employee assuring us that it would result in a soft inquiry. They said they hadn't heard that and would re-review the incident. We had specifically given that information prior to the first review process and have little confidence that the second review will properly review the relevant information in the calls. 

We hold that we were guided through a process that ended with a result that we did not intend. If there was user error we were guided into user error. And in any case, credit is such an important part of the financial system that there should be processes in place to declare that a mistake was made, and allow it to be reversed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$8200.00} XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX Date Opened XXXX {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

LVNV Funding is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805. 
I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off. 
This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

This account was charged off on XXXX Inaccuracies on the amount with each bureau.
Product: Debt collection

Last week was the first time I've been made aware that someone was trying to Bill me for a debt they are saying I owe. The last time I did business with this company ( XXXX XXXX XXXX XXXX ) was 3 yrs ago. I understand that if I am responsible for a debt I have to pay it, but I need to be sent a bill or some sort of attempt to send an invoice or to call, or email to bring to my attention that someone is attempting to collect a debt from me. The first I'm hearing of this is Last week when I received papers threatening to sue me for an uncollected debt that I have been completely blindsided by that they are claiming I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXXXXXX name this account was opened fraudulently this not my account please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to a person loan and have applied for a pre-qualifed loan which doesn't effect on my credit score. However, " Mariner Finance '' has asked my information without consent and notification to customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over 10 legal documents to your company and you have over and over responded with nothing except we need more information. XXXX has reached out to you and I have sent your company a legal document form XXXX stating for you to correct this fraud matter. Your company is stating that I have negative credit on my XXXX account. All other credit reporting agencies show me with XXXX credit and never had any negative accounts. I have attached XXXX legal document for Experian to stop reporting negative items on my XXXX account. You have been served with supporting documents and have them. 
I have spoken to your legal team many times. This is total fraud by Experian reporting this on my credit account form XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting that I am ( 120 ) days late on the DEPT OF ED/XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have  contacted the bureau to remove these however, I have not been successful.
Product: Debt collection

On XX/XX/XXXX I contacted XXXX XXXX XXXX via certified mail regarding an account they claim I owe in the amount of XXXX. I sent a letter stating : This letter is regarding account # XXXX which you claim I owe XXXX. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

XXXX XXXX XXXX responded with a letter on XX/XX/XXXX saying the debt is valid and claim to attach a verification of the debt. They attached a XXXX  bill to the letter with no signature or any evidence that it was me that made the debt. I have no legal obligation to XXXX XXXX XXXX and I never created a account with them or the original creditor XXXX.

On XX/XX/XXXX I sent another letter to XXXX XXXX XXXX with the same response as the first letter they sent me.
Product: Credit reporting or other personal consumer reports

This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( s ).

This COFF item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO @ FORMAT compliance since, per CDIA, DNP 3-4 Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated!

I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a Federal Reporting Agency have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financial liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the Law.

Please delete the following unverified fraudulent account XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the fair Credit Reporting Act XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX and Innovis to request that any Security Freeze be lifted from my credit reports immediately. A month later XXXX XXXX  requested copies of my scores for a credit card account and I was advised that they are unable to pull my scores due to a security freeze. 
I need assistance as I am being given conflicting information.
Product: Debt collection

This debt was paid and this inquiry was removed from my credit report. It now shows back again on my credit report. This information is inaccurate due to debt being paid already and I have proof of snap shot picture on my phone showing this is paid and was removed from my credit. I can and will supply proof of this.
Product: Money transfer, virtual currency, or money service

They just XXXX  me and changed the subject and left me on hold for over an hour forced into listening to XXXX hold music. And said to me in a rude hateful language and would say the same XXXX things over and overwhelming until she trying to tick me by holding information on the 32 inquiry they did in less than 2months and expected me to have the dates. There is no way for me to know the dates they ran it because I didnt do it they did! XXXX XXXX XXXX I am a XXXX XXXX XXXX XXXX XXXX XXXX for NM, USA. PLEASE GET THIS UNDER CONTROL thank you