23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a threatening voice mail which I have recorded. 
This firm called me and stated they were the Law Firm of XXXX XXXX XXXX and that I missed a court appearance. 
I was very concerned as I have had financial problems in the past. 
I was told I was paying a judgment and it was a major discount. There were threats made to me if I did not comply.I have all of the paperwork to support this. 
I became very alarmed when I received a call and a letter from a firm stating that my account had been " recalled '' from Nelson Cruz and Associates and that my account was a simple collection matter. 
I was alerted that the payment made to this firm was not reported to them and they were shocked to see the evidence I had. 
I have read about this firm and have found nothing but negative statements and complaints. 
They are clearly a fraud and a scam. 
It is run by a man named XXXX XXXX that I have found out has been arrested XXXX.
Product: Credit reporting or other personal consumer reports

Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate XXXX XXXX Code XXXX XXXX - 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 and XXXX ON 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, XXXX XXXX Code XXXX XXXX - 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 XXXX, you must report the canceled debt as gross XXXX 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 and XXXX ON XXXX are inaccurate and must be removed.
Product: Vehicle loan or lease

In XXXX My XXXX XXXX and I traded in a vehicle to bridgecrest / XXXX  and purchased a new car .They asked for {$4000.00} XXXX down payment even with a trade in and I provided this amount to move forward with the purchase. She was the main purchaser and I was the cosigner. She unfortunately unexpectantly passed away in XXXX and I continued to make the payments to the vehicle every month until this year XX/XX/XXXX. brigcrest was unable to provide documents for me to renew the tag. Prior to the passing of my grandmother I reached out to bridgcrest asking if I would be able to continue the lease of the vehicle in the event something happened to her life. I was told I was the cosigner and I could continue the lease. That was not the case .I wasn't able to obtain proper documentation to renew tag. I was told that I needed to refinance the car in order to get tag docs. I voluntarily gave the car back and now I have a repo on my credit preventing me from new car lease or loan and also bringing my credit score down tremendously.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 Equifax 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 XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$77000.00} 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: Checking or savings account

A withdrawal of {$540.00} was made from the checking account on XX/XX/2022. No one seemed to know who/what was connected with the withdrawal. 

After numerous phone calls and no resolution, I received a letter dated XX/XX/2022 saying the claim was forwarded to XXXX XXXX. I have never received any information since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX XXXX XXXX XXXX over 30 days ago .I informed XXXX  XXXX XXXX XXXX that I am disputing their claim.moreover I requested that XXXX  XXXX XXXX XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal XXXX  XXXX XXXX XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally XXXX  XXXX XXXX XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding TransUnions mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( XXXX ). The CFPB 's recent lawsuit highlights systemic issues with TransUnion s handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my TransUnion 's credit report : XXXXXXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXXOLDING ACCOUNT NUMBER XXXX XXXX XXXX account number XXXX Despite submitting evidence to support my dispute, TransUnion failed to conduct a proper investigation. Specifically : 1. Sham Investigations : TransUnion failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
2. Failure to Provide Investigation Results : The response I received from TransUnion vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned that TransUnion may have improperly reinserted information I previously disputed and believed to be corrected. 
XXXX actions appear to violate the following : XXXX XXXX XXXX XXXX XXXX  : Failure to conduct reasonable investigations of disputed information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 
1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If TransUnion the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If TransUnion can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
PERSONIFY Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry XXXX XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX & XXXX NA Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to do a verification of everything on my credit report, and they say that they did and stated that everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 



In accordance with the fair credit reporting act XXXX  account Experian has violated my rights..with a BK on my report 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: Debt collection

I XXXX XXXX XXXX a consumer citizen of heaven sent a letter on XX/XX/XXXX, via certified mail with request of validation of debts. The letter was received by NAVY FCU on XX/XX/2021. Documentation attached. 

As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. 

This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation is requested ( FDCP 15 USC 1692g Sec 809b ) in the following order : Full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies and overall compliance with all FCRA and FDCPA by laws as instructed by federal law. 

It upsetting to know such companies do not follow rules and laws. More importantly, companies such as the pursuant above should be held accountable for their actions. 
According to the FCRA a corporation is required to respond and complete and investigate within 30 days. 

As of XX/XX/2021, I still have not received anything pertaining to a complete investigation. Based upon evidence available to me, there is no debt owed. 

These laws are to make sure that there is a level of fairness to protect American consumers from nefarious, abusive reporting procedures on credit consumer reports, as well as illegal and deceptive collection practices.
Product: Credit reporting or other personal consumer reports

Dear Transunion : I have contacted the furnisher who placed these inaccurate inquiries on my credit report. I asked them to provide me with proof that I gave them authorization to pull my credit report. As of today, they have not provided with the proof that is required. 
Because of that they had no permissible permission to pull my credit reports. 
After researching on the internet, it states a company needs authorization to pull a consumers credit report. This company did not have that authorization. They have violated the law, and I will hold them accountable. Because of their violations, Im asking your company to follow the law and delete these unauthorized inquiries Here are the inquiries : 1. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry. 
30 days should be enough time for you to complete your investigation on this matter. Also, once you have finished your investigation, please supply me with a full credit report and not a partial one. Im tracking all letters sent and received from you. If these inquiries are not deleted, then I press forward with complaints to the Attorney Generals Office and the Consumer Financial Protection Bureau. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received a credit card in the mail XX/XX/2022 from Bank of AmericaXXXX XXXX XXXX XXXX I did not apply for this card and call BoA. They have all my personal information including social and there is a credit limit of XXXX XXXX dollars. This was opened fraudulent and I have now frozen my 3 major credit report monitoring companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because on the dates of XX/XX/19, XX/XX/19, and XX/XX/19, I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. XXXX XXXX and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer.This is an automatic FCRA violation of not properlyhanding my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Collection Agency : XXXX XXXX Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2000.00} Collection Agency : XXXX XXXX   Original Creditor : XXXX Open Date : XX/XX/XXXX Balance : {$230.00} Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2700.00} Also, I know they are reporting addresses that I have never lived at.
Product: Credit reporting or other personal consumer reports

On the XXXX of XXXX I found two inquiries on my report These two hard inquiries were not authorized by me. 

XX/XX/2022 XXXX XXXX XXXX  REPORTED AS FRAUDULENT INQUIRY XX/XX/2022 XXXX REPORTED AS FRAUDULENT INQUIRY
Product: Debt collection

When I closed my account due to fraud and identity theft, the account was in {$0.00} balance. Now, the bank attempt to put my account to collection in an attempt to collect a balance due to fraud for {$740.00}. Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times through email, phone calls and complaints on the texas attorney general website child support for case # XXXX cause # XXXX to correct the information they have reported on all 3 credit bureaus!

They have me as not making 1 payment, past due amount {$13000.00}! the child support comes out of my check every 2 weeks plus I have had additional payments that have me paid up to {$15000.00}!

its the only thing negative on all my credit reports and I have disputed it with all 3 companies and sent numerous emails and calls for the attorney general to remove the never paid amount off my credit and nothing has been done!
Product: Credit reporting or other personal consumer reports

I am reaching out to formally request the immediate blocking and deletion of certain accounts listed below, which were fraudulently opened in my name following a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these unauthorized accounts removed from my credit report to prevent further harm. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX 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: Mortgage

Insurance payments are supposed to be made through the escrow account. In the transfer of our loan from old lender to Shellpoint ( new lender ) they somehow didnt know about our insurance payment and after we contacted them to pay the amount due so our insurance does not lapse and drop us, 10 days later, payment still has yet to be made. Have tried emailing and calling Shellpoint and nobody has responded to our emails and nobody answers the phone when we try to speak to someone. Escrow account has balance for insurance which is take out of our monthly payments and our account is on autopay- we are current on all payments. Account is being mismanaged and our insurance company is advising us if payment is not made on time, they will cancel our policy. Theyre holding on to {$5000.00} of our money in escrow and were supposed to use $ 2k of that to pay the insurance and they havent paid and we call and call and they disconnect the phone and dont get back to us.
Product: Credit reporting or other personal consumer reports

12 CFR 1026.13 - Billing error resolution.

1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount Possible financial failed to report to ALL consumer reporting agencies of my dispute which means they were still trying to collect on the account in dispute. 

15 U.S. Code 1611- Criminal liability for willful and knowing violation 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

15 U.S. Code 1681n - Civil liability for willful noncompliance A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} For the damages of my mental distress I am seeking remedy of {$6000.00} total If they decide to go to court they will be responsible for my court fees, attorney fees and damages. 

Send check to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Wa XXXX Within 15 days of this notice. 

I expect {$6000.00} for every violation of possible financial mailed to me within 15 days if this notice to the address above. 

Keep in mind no one told them to violate the law it was their choice.
Product: Debt collection

Diversified Adjustment Account # XXXX. original XXXX Opened XX/XX/2022 Amount Dept {$310.00} The Diversified Adjustment collection agency try to collect the same amount of {$310.00} opened XX/XX/2022 I did not open any account with XXXX on XX/XX/2022 This XXXX  Account was disputed as a fraud on Report XXXX by XXXX. XXXX XXXX on XXXX, 2022 the amount of {$310.00} I files a Complaint amount the XXXX. XXXX XXXX and XXXX on XX/XX/2022 here are the Numbers : Complain # ID XXXX on XX/XX/2022 Second Complain # ID XXXX on XX/XX/2022 The manners of this XXXX  Account are Fraud my information is inaccurate I did not opened any account with XXXX ion 2022 I did not have any mobile phone with XXXX  Phone company...
Product: Credit card or prepaid card

According to a credit card statement supplied by a collection agency, my credit card company charged-off {$30.00} on or about XX/XX/2020. Prior to this statement, I disputed the charge which was apparently assessed following a payoff quote received by the credit card company by phone and a full payment made by me to bring my account to a zero balance. Subsequently, the credit card company not only applied numerous late fees but continued to charge interest on the disputed amount before selling the account to a collection agency. The collection agency has now reported the amount to the bureaus, damaging my credit report and is attempting to collect the gross amount of nearly ten times the originally disputed balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX