23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has contacted me several times about a debt that I am not aware of. They continue to call me and contact me at odd hours. This latest time they have called me at XXXX despite me telling them I do not own the debt and to not contact me. Please stop contacting me ASAP! 

This company said this debt belongs to XXXX XXXX XXXX  for a master card. I do not own this debt. Please stop contacting me.
Product: Mortgage

XXXX XXXX XXXX  sold our HELOC to Rushmore Loan Management Services. The communications from XXXX XXXX were minimal and came late in the process. XXXX XXXX has also not provided any customer support during the transition. 

Rushmore LMS failed to provide us with checks for our HELOC once it took it over from XXXX XXXX XXXX. We have therefore been unable to make any payments drawing on our HELOC. We are facing late charges because we can not write checks against our HELOC. 

Neither Rushmore nor XXXX XXXX has been at all helpful in solving this problem. In fact, we have had great difficulty even reaching customer service at Rushmore.
Product: Debt collection

Dear EOS CCA ; How are you and how you been? I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card or prepaid card

In XXXX of 2021, I XXXX XXXX, applied for two credit cards via Bank of Americas website. 
Reference number # XXXX XXXX Reference number # XXXX XXXX I received a letter in the mail stating I was denied based the Credit Reporting XXXX XXXX XXXX 



When I check on XXXX website I saw several fraudulent claims that are currently in the process of being removed. 

It is not fair that Bank of America was given my social security number then denied credit that I extended to them. Based on a consumer report that furnishes inaccurate information about XXXX XXXX.
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX has violated my rights. Or 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

On XX/XX/XXXX I submitted a complaint to Transunion requesting validation of debts and signed contracts relating to accounts being disputed on my credit report. Transunion responded with all accounts being verified with no information on how accounts were verified. I only recieved letters from of the accounts in question but those letters did not verify nor validate anything. 
XXXX XXXX XXXX - a bill was sent from XXXX XXXX XXXX XXXX XXXX as requested. 
XXXX. XXXX- sent a letter but it did not verify or validate anything. 
*I recieved nothing in regards to any other account in question
Product: Checking or savings account

I contacted UMPQUA Bank several times and all said they will not refund me even XXXX refund to my closed account. I went to XXXX XXXX and met Branch Manager and the Bank Cleark. They said after my bank account is closed they will not do anything about my refund. I got caught in the middle. After Bose said they already refunded, I contacted UMPQUA bank and said I have to claim in 30 days after the refund is made to my closed account. However, including XXXX XXXX at XXXX, XXXX, she did not inform me I have to claim. Even the refund was made she just ignored. In they letter, They will refund ... .. is this mean. the XXXX is going to refund or UMPQUA BANK will refund. If the UPMQUA BANK  is going to refund, when? I need to send me by courier service. If Refund money is returned to XXXX, where is the reference number that it was return and when was the date? I need specific data. Please respond me ASAP. I have already contacted several times and basically I am going back and forth between UPMQUA BANK and XXXX. Since UMPQUA BANK did not tell me I have to claim in 30 days, they fail to tell me. I feel they just making an excuse. In addtion Branck Manager failed to follow up and ignore me, UPMQA Bank should cancel return the money back to XXXX and UPMQUA Bank should responsible and refund me. Please refund me ASAP.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and noticed some fraudulent accounts appearing on it. Reinvestigate and remove the accounts listed below. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 168i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX XXXXXXXX Balance Owed : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I sent to Experian a request to investigate inaccurate information which hurt my credit score, Experian told me they will not reinvestigate mu dispute after I submy support documentation which I did in XXXX but the results are not according to FCRA.. I did your job to provide reports with inaccurate information and according to FCRA is the same source show different information from the same furnisher in the 3 bureaus this information the account must be deleted frpm the report.. 
I dont want a reply from you asking me to provide more documentation which obviously you ignore and keep reporting inaccurate information.. 
My job is only verify all the information in my credit report is correct, if not, under the FCRA this informatioj must be deleted inmediatly, .. This is the third time I am asking to investigate without any result to remove the accounts from my report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is [ FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX
Product: Credit card

I have excellent credit and the only times I miss a payment on a revolving credit account is when the vendor fails to send me a bill. XXXX ( aka car care XXXX from Synchrony bank ( formerly GE capital ) is one of several similar cards I have with this company. I also have a very large money market account with them. 

This is one of those specialty cards where you can purchase interest free for a qualifying purchase for a period of time and, presuming the account is kept current, and you get slapped with a 26 % interest rate if its either not paid regularly or in full before the deadline. They know I always pay in full and in time. 

I never received a bill in XXXX for an emergency car repair purchase that I was unsure would show up on the XXXX bill. And since I am busy and have no way to keep track of companies who refuse to notify me that I owe them money, I had no way of knowing I had missed a payment until the XXXX bill showed up. I immediately called the company to tell them that I had missed the payment because I had n't received the bill. The very nice customer service agent took off the late charge and told me that it would be no problem if I just made a double payment in XXXX. She assured me that she had notated the account. 

Three days later, I started getting regular calls from some number from Synchrony bank telling me that they had a call for me, then putting me on hold for XXXX minutes. Since I am busy and these calls came in during meetings or dinner, I hung up on the first XXXX and tried to call them back when I had time. When I called back, I got to someone who did n't even identify the company they were with or department. It took XXXX minutes of my precious time just to figure out this was collections. Once I determined this was n't security to tell me that my accounts had been breached, I told them that I had already called in to tell them that this was their mistake and been told to pay it when the payment was due later that month, asking them to check their records and leave me alone. 

In the intervening two weeks, I have received daily calls and a letter from synchrony, often at dinner time or other times during the day when they are not supposed to call. Yesterday I finally called the number in the letter, then spent XXXX minutes being transferred through XXXX and XXXX to finally get to an escalation unit in the U.S., but when I asked for her supervisor, was told that all she could do is refer me to her supervisor 's voice mail. NONE of the people that answered the phone identified who they were or what company they were with when they answered the phone. The supervisor never called back, despite me clearly stating that I would report this to CFPB if I did n't hear back from him that evening. 

I have scheduled payment for XXXX months, but suspect I am going to be slapped with huge fees and interest rates because synchrony ca n't seem to send out bills on a regular basis and keep their records straight. BTW, this is not the first time I have not received a bill from them for XXXX of the XXXX specialty cards I have with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Order my credit report and notice a debt that does not belong to me. I contacted the company and advise to remove it according to 15. U.S.C. 1692C.
Product: Mortgage

While we had a mortgage with Pacific union financial we went through a modification and pacific union did a hud relief loan. We were not properly informed about the repayment of that loan until we paid off our home. When we paid off our loan, that was transferred to XXXX mortgage, we found out we owed hud almost $ XXXX. We never seen XXXX come off of our balance or owed amount with pacific union when that modification and hud relief was processed in 2018. We feel as if they did not handle the funds properly.
Product: Debt collection

Convergent Outsourcing is the collection agency that has reported an account on my credit reports, original account owner is XXXX. This debt has been paid and I want it removed from my reports immediately. I have tried asking them and they refuse. The account number is XXXX.
Product: Checking or savings account

I made a XXXX payment with Chase Bank of {$130.00} to someone I learned was a scammer I requested them to stop the payment and they refused
Product: Debt collection

XXXX XXXX was hired to collect a debt that is not mine by Pentrick Capital Partners. Neither XXXX XXXX nor Pentrick Capital Partners can prove that this is my debt. I have asked everyone for proof and nothing ... They keep sending me the same bill, but no proof. Please remove ALL collecting debt from my credit bureaus. This case should not be closed just because the collection companies respond. They need to send PROOF, not just a bill. Thank you.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for continued reporting of inaccurate information on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). Despite providing supporting documentation to demonstrate the correct address and name, Equifax has failed to correct these inaccuracies, unlike the other two major credit bureaus, XXXX and XXXX, which have removed the incorrect address from my records.The inaccurate information reported by Equifax includes an incorrect " current address '' that has been listed since XXXX, which does not match my actual, valid address. My true, accurate address is listed by Equifax as the " former address, '' but it is shown as being associated with me only since XX/XX/XXXX. This is clearly contradictory, as my accurate address should have been reported much earlier. The fact that my correct address is listed as a " former address '' starting in XXXX, while the incorrect address is listed as current since XXXX, is clear evidence of the inaccuracy. 
I provided Equifax with a copy of my state-issued ID and a recent bank statement that clearly show my accurate address and legal name. However, despite this, Equifax has not conducted a thorough investigation, as required under the FCRA, and has failed to update my credit report with the correct information. This lack of proper investigation and failure to correct the record has caused significant harm to my credit report and financial standing.I have already successfully worked with XXXX and XXXX, both of which have corrected the errors and deleted the inaccurate address from my credit reports. I am frustrated that Equifax has failed to do the same, and I am requesting immediate action to correct these errors. 
The failure of Equifax to adhere to the requirements of the FCRA to properly investigate and correct inaccuracies is concerning. I am again providing a copy of my state issued ID along with a recent bank statement with a copy of XXXX  and XXXX  report showing my accurate address and name.
Product: Debt collection

This company keeps harassing my credit report. I payed some of the debt but was disputing it because of some previous issues. They sent me back the check and then added the amount to my credit report saying I was late and dropped my score XXXX points. I not am going to pay for a car I didnt drive for a XXXX when I even told XXXX that the car was defective. XXXX said I gave up the car in XXXX and that was incorrect. It was within XXXX weeks of purchase date. I keep telling you guys that I didnt get a buyers guide from the dealership and a lot of info was omitted. Yet, you all purchased the debt and keep harassing my credit report. Can you guys stop harassing my credit report? Do I really have to search for a XXXX lawyer for you guys to stop harassing me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to the bureaus in regards to the 4 collection accounts not associated with me along with inquiries that was ran without my knowledge or consent, I advised they do a proper investigation, Transunion removed the accounts that were not associated with me but hasn't removed the inquiries, XXXX  and XXXX has the following collection accounts and inquiries reporting that aren't mines. I attached the police report along with this to get it resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that these accounts will be corrected. 

XXXX/DEPT OF ED XXXX Balance : {$2400.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DEPT OF ED XXXX Balance : {$9000.00}
Product: Debt collection

I dont received any mail o contact from the collection company, about this debt, or any type communication to address the amount before the reporting to my credit ( {$530.00} ) its the amount