23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. 

They furnished this account that we didn't agree upon, and I didn't sign an agreement on it. A legal contract is signed by XXXX parties, and I did not participate in any of it. They didn't follow the proper XXXX validation procedure, which makes this unfair. I never received a dining letter or any communication prior to this account being furnished on my credit report. 

According to the FDCPA, I'm entitled to {$1000.00} per violation and they clearly violated my rights. 
The following companies are committing IRS XXXX by filing a 1099a and not sending me a 1099c to file : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FTC Report Number XXXX Amount stated is not valid.. please provide physically proof. I don't owe possibly someone with a similar name.. Bankruptcy - The courts do not report to credit bureaus this information is unverifiable and inaccurate/ invalidated account. Removal from all credit agencies as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with Trans Union over  the past couple months to remove unauthorized personal information, addresses and employer info that they have failed to fully validated belongs to me. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these unknown personal information per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. Below are the reporting unauthorized/unknown personal information, addresses and employer info that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Employers : 1. ) XXXX 2. ) XXXX XXXX Reporting Address : XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent account currently appearing on my credit report. Despite sending you my previous dispute letter and the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, this account is still being reported on my credit report. I have contacted the bank associated with this account, and they have acknowledged the fraudulent nature of this account so the account was already removed from XXXX and XXXX. I have also provided the bank with all necessary documentation to support my claim. 

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

XXXX loan was forgiven because the school committed fraud, which was proven before the school was shut down. I had a XXXX balance and now the old balance has resurfaced. All my XXXX loans should have been removed because the XXXX programs at XXXX XXXXXXXX XXXX were shut down for fraud, among other things. I should have a XXXX balance from all loans for XXXX XXXXXXXX XXXX
Product: Student loan

Edfinancial services " lost '' my XXXX payment during their internal platform transfer. After providing documentation they finally credited my account with the payment. When the account was credited the applied the entire payment to 3 of my 8 loans. This not only caused me to retain a delinquent balance but they also applied the payment to 3 accounts with lower interest rates. When interest resumes in 4 weeks this will cause me to pay higher amounts of interest them as compared to if the payment had been structured correctly. They refuse to escalate my call beyond customer service, will not give me a timeline for this to be corrected, and have stated that receiving a audit/paper trail will take minimum 33 business days. In addition, they will not correct my account to non delinquent meaning that I have to reallocate upcoming payments to fix this, which if they someday process the request to correctly allocate the original loan will cause even more headache.
Product: Mortgage

Mr. Copper repeatedly sends me threatening letters to purchase insurance on my home. My home has had continuous insurance coverage with XXXX. XXXX has been my insurance company for more than 30 years. 

I'm tired of the harassment and threatening letters. 

Mr. Cooper should be contacting XXXX to resolve the situation. Apparently they have not.
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. I notice an Account under my consumer report which I do not recognize. This account was opened fraudulently. XXXX XXXX is not mine please delete and investigate immediately. It 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 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$110.00}, XXXX XXXX XXXX Balance : {$0.00}
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. 

Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX 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, credit repair services, or other personal consumer reports

My Rights is continue to be violated, This the correct info that should be showing on my credit report. 

Name : XXXX XXXX Date Of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX United States any other address or names is not legal. 
I'm citing the laws below, The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

I opened an account using my ITIN number. I was approved. For some reason, they messed up and register another number that is not mine. I try to register online to access my account and make payments but I can't because my ITIN number is not the one they used so they do not match. I have been calling them for almost 2 months but they still can not fix my ITIN. I've sent my documentation several times, first via mail, then fax ( like 8 times ). After talking to them many times to fix this issue, finally they told me I need to send my ITIN card, which I don't have because this doesn't exist. IRS doesn't issue ITIN cards anymore since 2004, they just issue letters with the ITIN number on them. That's what I sent but they don't hear anything I say and they don't care about it, they are just asking for a card that doesn't even exist.
Product: Credit reporting

Transunion is reporting the same negative mortgage account TWICE on my credit report. I originally had a mortgage with XXXX XXXX XXXX that I got behind on with my payments. I could not catch the payments up and the house went into foreclosure status. They turned this account over to XXXX XXXX XXXX and then XXXX started to report the negative pay history on my credit report. So basically, it appears that I have XXXX negative mortgage accounts, with twice as many late payments showing. I eventually lost the house to foreclosure, and this is also reflected on my credit report. It appears I have XXXX foreclosures on my credit report, even though it is the same house, and not XXXX different houses. It is very obvious this is the same account listed twice, if anyone would take the time to look at the original date opened, original loan amount, etc., but no one at Transunion seems to want to listen to me. The worst part is that BOTH companies are listing 120+ days late payment history, so I end up being penalized for TWICE the amount of late payments. I 've been trying for over a year to get Transunion to correct this issue, but each time I file a dispute, I get a letter back stating this has been verified.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX - Account number : XXXX, BALANCE {$5400.00} XXXX XXXX XXXX - Account Number : XXXX, Balance, {$2500.00}
Product: Credit reporting or other personal consumer reports

I requested that Equifax update and correct my personal information on my credit report by removing outdated and inaccurate details, including incorrect addresses, phone numbers, and employment history. I provided the correct information, including my name, date of birth, current address, and phone number. 

Equifax responded by requesting a Social Security card, W-2, or paystub, which I do not have because I was in the U.S. on a student visa. Despite providing valid alternative identification ( passport, student visa, and a recent utility bill as proof of address ), Equifax refused to process my request. 

This refusal to accept reasonable alternative documentation is preventing me from correcting my credit report, which may negatively affect my ability to obtain credit or financial services. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate information on my credit report, and Equifax 's unreasonable document request is creating a barrier to compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Name- XXXX XXXX XXXX XXXX XXXX City and State of Loan- XXXX XXXX New Mexico Year of Loan- 2013 Amount of Loan- XXXX Reason For Complaint- Payday loan company XXXX XXXX XXXX is doing illegal activity this has been disputed in the past several times and removed off my credit reports completely and closed out with XXXX balance and somehow this company manages to find a way to put it back on my credit reports Ive tried to speak to XXXXXXXX XXXX XXXX and instead of them trying to figure out the situation they choose to argue and Harass me Ive even tried to speak to somebody higher up with authority but I never get a call back I need this company to remove off my credit reports this item is a XXXX balance and should be closed out. Also in the state of New Mexico payday loans are illegal now also this is a payday loan company that should not be reporting anything to creditors. And is illegal. therefore this company is not following rules and guidelines
Product: Credit reporting or other personal consumer reports

XXXX Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX XXXX XXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Student loan

I was called at XXXX and answered the phone and told the person on the other end of the phone that she was not allowed to be calling me after XXXX. She stated that she was allowed to. The company that called me is ECMC. *Note* In the attached picture, ECMC is not a number I have programmed into my phone, it is a Caller ID that XXXX has assigned to the number that called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several times 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 wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. My information has been exposed in the XXXX data breach. I also included the Police Report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Product: Debt collection

This has been ongoing for years. The company that is giving me problems is Overton, Russell, Doerr and Donovan, LLC. I had a few Charge off accounts from XXXX sent to ORDD. Over the past few years I payed off all accounts that they say I owed to them. They refuse to give me any form of paper or file stating that my accounts are paid in full and closed, they say it is not there responsibility. They will however confirm that the accounts have been paid in full and closed over the phone. XXXX is still saying, after 4 years that I owe them {$260.00}. I have no way of proving to XXXX that it has all been paid in full. XXXX has been continuously reporting to the credit bureaus that I owe them and it has been negatively impacting my credit score.
Product: Debt collection

Account Number with XXXX XXXX XXXX / Capio # XXXX XXXX XXXX XXXX/ Capio XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX This company States they purchased a Collection from XXXX XXXX XXXX in XX/XX/2019. With out proper review by XXXX XXXX XXXX or XXXX  they allowed this illegal collection agency to put a collection on my credit report. witch has damaged my credit, my credit score and my credit line. due to this illegal action that was taken by 1 XXXX XXXX XXXX for selling a paid illegal incorrect fraudulent bill. and illegally providing my social security number without my consent. 

2 XXXX XXXX XXXX / Capio for damaging my credit by not 1st review an original bill from XXXX XXXX XXXX. 

3. XXXX  4 XXXX  5 XXXX All for allowing this illegal collection to be put on my report. 
I have requested multiple times over the phone for XXXX XXXX XXXX  / Capio to provide me with an original bill. they send me a bill from there office.

Although this illegal and damaging collection has been removed from all three credit reporting agencies. My master card credit card had a credit line of {$8000.00} for the past 3 or 4 years. in XXXX i made a large payment of {$2600.00} and my available line did not change because there was no illegal Collection reporting on my account at the time. 
The damage has been done. I am a single low income mother, the {$5900.00} dollars I paid towards my master card Credit card bill was in good faith as with all my credit cards I hope to be debt free one day. I have never paid late on any credit card or any account with in my credit report. my credit is everything to me as i have hopes to buy a home one day. I needed the extra money to buy my daughters school uniforms and supplies. I also was going to celebrate her XXXX birthday with the money i paid towards the credit card and was unable to do that.
Product: Credit card or prepaid card

I called last week ( today is XXXX ) because I could not login to my account to make my payment online with Citibank. The lady said they had closed my account and she didn't speak XXXX well at all. She wouldn't tell me why it was closed and couldn't tell me why I wasn't notified that it was closed. I dismissed it as a communication error and her not understanding what I was asking. 

Today I called again. This time a man who did not speak very good XXXX either. Suffice it to say he told me it was closed and that they have already told me about this. I STILL HAVE ZERO CLUE WHY IT IS CLOSED!! I've not missed a payment. I have an excellent payment record. And I still can not get into my account to see any statements, make a payment or anything. 

They are quick to tell you about their app but they don't realize I am XXXX XXXX XXXX and can not see my phone well enough to do anything. The print is WAY too small. I don't operate out of my phone either. 

I'm upset. My payment is due today. And I'm done. They are the hardest to contact and deal with and they hold my Best Buy and Staples card as well. They don't listen. They don't help. And I can't understand them. 

Can anyone there please help or do something to make them stop doing this to elderly people. I am so upset right now ( I am fully XXXX ) that my XXXX XXXX has gone sky high which it did last week as well. 

XXXX was the gentleman 's name if I heard him right. He was rude. He answered rude. I don't understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXX XXXX XXXX .... Date opened XX/XX/2012 Balance : {$5000.00}