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

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : balance XXXX Account Name : [ XXXX ] Account XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested a free annual credit report of my credit file from XXXX Consumer Solutions ( " XXXX '' ), After receiving my free annual credit report dated XX/XX/year>, I noticed inaccuracy on my credit file. This inaccuracy was then reported to XXXX by me on XX/XX/year> and an investigation was requested. On XX/XX/year>, I received XXXXXXXX XXXX results dated XX/XX/year>, from their investigation into the inaccuracy on my credit file. After reading XXXXXXXX XXXX investigation results, XXXX stated that the inaccuracy was VERIFIED AS ACCURATE. On XX/XX/year>, I requested a reinvestigation into the matter, I requested description of the procedure used to determine the accuracy and completeness of their investigation associated with my earlier dispute under FCRA 611 ( a ) ( 7 ) and required XXXX to forward all relevant information in the investigation of my dispute under FCRA 611 ( a ) ( 2 ) ( B ). On XX/XX/scrub>XXXX XXXX XXXX  I notified Select Portfolio Servicing, Inc. ( " SPS '' ) who is the company that reported the inaccuracy, of this matter as well. Both XXXX and SPS was made aware that I will be filing a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the attached dispute letter to Equifax via certified mail tracking # XXXX which according to the USPS tracking website was received on XX/XX/2018. The original letter was notarized and included a copy of my TN drivers licence and social security card to verify my identity. To date I have received no notification that my dispute was acted upon and have seen zero activity on my Equifax report in regards to active investigations of my disputed items. I find this an issue being several of these same disputed items were actually investigated and corrected and/or removed from my XXXX and XXXX reports. This is important to me because this impacts my credit score and I find it disturbing that Equifax of all credit reporting agencies would completely ignore my dispute when they are responsible for a massive breach in which millions of consumers are at risk. This is absolutely unacceptable. By law Equifax must consider my request to investigate and if they can not verify that the negative item is true, accurate, and complete, then they must delete it. Equifax was supposed to have responded to my request to investigate within 30 days of receipt. This did not happen and thus I am filing complaint. The FCRA requires that if Equifax can not correct or doesn't verify within the statutory period, they must delete the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX  did a random credit check. He has never done this. Unknown manager s name he went to Transunion. .The unknown rep exposed my credit files so XXXX reduced my available credit. From {$1000.00} to {$250.00} and my account has a XXXX balance .He has violated the fair cares act taking adverse action on my account .I have called both places. There's a freeze on my reports. I complained to Transunion they said wait 30 days They were found guilty of Bankruptcy dischagred already. Now this What can I do XXXX said they do random credit checks But it's not fair I'm paying my bills and owe a lot less now.
Product: Debt collection

First called from a local number then left a voicemail that stated they were from some place called XXXX XXXX out of XXXX Ga. They threatened legal action stating I owed money to a place called Cash Central and that they were getting ready to file paperwork for legal action and that the processing servers were looking for me as we speak. I do not owe any debt from said company. They have repeated called relatives and others looking for me.
Product: Credit reporting or other personal consumer reports

From the moment Ive started engaging in commerce, it just seemed like I was being conned into one sided contracts I can do nothing about. False/inaccurate credit reporting just putting whatever they can find with a name similar to mean.
Product: Payday loan, title loan, or personal loan

I didn't sign up for this account. My credit information was breached and all of a sudden I see this installment plan on my credit report.
Product: Mortgage

My husband was ill and passed away, we lost the main income overnight. I also lost my income, I tried to negotiate with the bank to try to do a modification, recently I tried to do a short sale to preserve my credit and maintain hopes that in the near future if my financial situation turn around I will be able to purchase a home for me and my family. The lender has stalled my request for mortgage assistance as they have denied a 3rd party authorization to speak on my behalf, although I have granted them permission. The mortgage has many violations 1st the lender does not have the original mortgage note and has not presented the original mortgage note 2nd the lender has not acted in good faith to resolve this matter with me 3rd the lender although I had covid and my family was ill the mortgagor did not acknowledge or offered me any COVID relief during the period that I had XXXX 
4th the mortgagor failed to comply with XXXX XXXX, XXXX & XXXX Finally I would like a full copy of my mortgage records to be forwarded to me from the lender which is to include all payments, mortgage notes & assignments, default notices, and all proof of compliance with the NYS and Federal Mortgage laws. 
5th I reached out to the bank 's attorney on several occasions to tell them my deceased husband who was on deed passed away before the judgement of foreclosure was filed. They never served his estate in the foreclosure proceedings. They are not supposed to auction the home without letting his estate know. My husband passed in XX/XX/2015 and the judgement of foreclosure was filed after his death. 

I've attached one of the most recent emails sent to the bank 's attorney regarding the estate issue. To which they said they are still waiting on the bank to respond to. It's been a week since the last email and they were called today.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and again XX/XX/XXXX, The Credit Bureaus stated that a Public record of a Bankruptcy on my Experian account number XXXX and reporting XXXX Bankruptcies on my XXXX report account numbers XXXX and XXXX these public records are not be shown on my XXXX report. I have contacted of theses public record and the courts have provided me proof of not having any record in there system. Also they stated in letter that they don't provide information to the credit bureaus. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well. I have sent them certified letters on the dates listed above.
Product: Debt collection

I do not believe that the debt that is being reported on my credit report is valid.
Product: Credit reporting or other personal consumer reports

IMPROPER, INACCURATE, FRAUDULENT REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND THAT THESE DEROGATORY ITEMS ABOVE MENTIONED BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. I AM A VICTIM FROM XXXX CREDIT BUREAU
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two fraudulent accounts from XXXX XXXX XXXX  XXXX # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at Experian they stated that XXXX XXXX XXXX  XXXX unblocked the debt and Experian has no way of re-blocking the debt back. Which is odd because Experian have the ability to unblock and block accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX with XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

-any state territory possession of the United States , the district of Columbia , the Commonwealth of Puerto Rico or any political subdivision of any of the foregoing.

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader.
Product: Debt collection

After reviewing my credit report on XX/XX/XXXX I noticed some items that I am not responsible for and I am a victim of Identity theft. The collection is attached below. 
SECURITY CREDIT SERVIC Original creditor : XXXX XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$1700.00} Original balance {$1700.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments Account information disputed by consumer Statements No Statements Contact info Name SECURITY CREDIT SERVIC Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is based on the handling of this account by Equifax. I previous disputed the account that is being reported by XXXX XXXX   with both Equifax and XXXX. I requested information be removed based upon inaccurate information being reported such as one agency reporting as individual and open, the other reporting as joint and closed etc. Instead of removal, both companies reached out to XXXX XXXX to have them update their records. As you can see with the attachments, they are both still reporting different information. One is reporting open and other other is reporting closed. After this dispute, I realized that this account had been removed from Equifax previously. Therefore, I mailed a dispute to Equifax onXX/XX/XXXX via certified mail by the US postal service asking again for this account to be removed based upon this item being reinserted without notifying me. The dispute was delivered to Equifax onXX/XX/XXXX as shown in the attachment. On XX/XX/XXXX, I contacted Equifax just to get a status. Upon explaining my dispute, the representative I spoke with placed me on hold and informed me that it was being deleted and that I would receive an email. She provided confirmation number XXXX. I waited some time and then called back due to not receiving the email that I was advised that I would receive. Upon speaking with the rep, she advised me that they never received my dispute and that a dispute was opened on XX/XX/XXXX. My call on XX/XX/XXXX was for a status only. I am requesting immediate removal of this XXXX XXXX account from my Equifax report. This item is expected to be removed in XX/XX/XXXX I was informed, however I am asking for it to be removed at this time. I have attached a copy of the certified mail receipt, as well as the confirmation of delivery. I hope to hear from you soon. Thanks for your time and attention to this matter.
Product: Credit card

I looked at my credit report and seen something that I did not know of. I would like to file a dispute against it. It was not me.
Product: Checking or savings account

I had problems with the bank paying vendors that requested funds without my permission
Product: Debt collection

CREDIT ONE LLC is in violation of the FDCPA and the FCRA. I will litigate CREDIT ONE LLC promptly if they do not remove the false account. I never had any contract with CREDIT ONE LLC.
Product: Credit reporting or other personal consumer reports

So this my second complaint with this company. I filed a ftc identity report all ready as well a police report submitted with my last complaint. I want a copy of the investigation as well the procedure they use to determine the accuracy of the information.. Also its a XXXX XXXX XXXX thats havent been taken off yet. I never sign a contact with this company. I want proof of this debt.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 XXXXXXXX BALANCED {$0.00}
Product: Credit reporting or other personal consumer reports

Affirm is reporting to XXXX that my loan is 60 days late when the account is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor 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 wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX 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

I have purchased a home with my ex husband the loan is in his name only and I 'm on the deed to the house we divorced in XX/XX/XXXX I have resided at the property and have been paying on his mortgage to stay here the payments got behind I paid the bank {$1000.00} in XX/XX/XXXX and been making the payments the mortgage company is refusing my payment because its behind and no payment plan was set up now I 'm disputing with the mortgage company to get all my refund that legally I 'm not responsible for and now they are foreclosing on the house and trying to put me out
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am XXXX XXXX, XXXX years old, who doesn't know XXXX. I submitted a complaint on XX/XX/2020, complaint number XXXX. Until today I have not gotten a response. And on XX/XX/2020, I wrote another complaint, with the complaint number XXXX. 
And the third complaint, I submitted on XX/XX/2020, with the complaint number XXXX. 
On the first complaint you promised that I will get a response until the XX/XX/XXXX. Until today I have not gotten any response from you. 
On your response to my latest complaint said I can go into the website, or call you. 
If I call you, I do not know XXXX  ( and you know this, and you are not bringing a translator on the line ). 
On your website, it says that the complaint is closed and unable to be opened. Why are you toying with the citizens so much? 
Why are you always telling stories and legends in your responses? 
Are you embarrassed that your answers will be published? 
In your last response, again you wrote that on the XXXX of XXXX a letter was sent out to me. 
And again, why all of this toying? I was supposed to get your response a long time ago. 
I request immediately your response to my email, XXXX, even though you already have my email. 

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

This morning, I was shocked to find inaccurate accounts on my credit report, and Im completely baffled as to how they got there. I check my credit report regularly, and its always been fine, but today there were sudden discrepancies that make no sense. I even refreshed my browser a few times, hoping it was just a temporary glitch, but the errors didnt go away. Im pleading for a thorough review of the documents Ive submitted so I can finally have peace of mind about this.
Product: Mortgage

I surrendered my property as part of bankruptcy in XX/XX/XXXX. I was discharged in XX/XX/XXXX. I can send that doc if you like. Bank of American continues to send me threatening bills for my mortgage.
Product: Debt collection

CDI of XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX sent a collection notice to XXXX XXXX on XXXX/XXXX/2015 for alleged unpaid medical payments. This notice was void of any mandatory FDCPA language on the notice. Furthermore, not only is the alleged debt over 7 years old ( SOL in TX is 4 years ) but more disturbing XXXX XXXX has been dead for over 2 years.
Product: Mortgage

On Monday XX/XX/2023 I called TRUIST XXXX requesting necessary documents to change ownership of my mortgage from primary owner ( me - XXXX XXXX XXXX ) to a Revocable Living Trust. I subsequently called XX/XX/2023 ( XXXX - CRep ), XX/XX/2023 ( XXXX - CRep ) XX/XX/2023 ( XXXX - CRep ). 
Each Customer Service Rep assured me the documents had been mailed. I do not understand the delay in documents arriving in XXXX, GA taking this amount of time coming from South Carolina. If documents were being originated from the XXXX office, I was never corrected as to that when I talked about South Carolina office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach. As a consumer my rights has been violated numerous times by these credit bureaus and corporations. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. You CAN NOT have a late payment on a finance charge. VIOLATION!! Every other account should be followed by instructions. I also stated each law you violated on my consumer report inside my letters also.Compensate me for each violation that has been committed under 15 USC 1681n and 15 USC 1681o. Invoice will be attached!!!
Product: Debt collection

They closed the account and then opened it back at full amount like I never paid anything at all & they continue to add more charges and continue to contact me on a harassment level to extort more money that was originally owed
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

FAILED TO VALIDATE DEBT, CALLED FAMILY MEMBER AFTER CEASE AND DESIST, MIDLAND ONCE AGAIN VIOLATED XXXX ACT OF 2009.
Product: Credit card

Bank of America has a due date. I have always scheduled the payment to be withdrawn from our checking and it has not been an issue. Until about XXXX months ago they started delaying the payment process saying it takes a couple of days, even though its an electronic transfer. I have had to go in and cancel the scheduled on and apply one immediate ( which works and it is electronic ). And twice they have ignored the canceled scheduled payment and double withdrew from our checking which caused over drafts. Then they decreased our spending limit due to late payment. My husband travels and we XXXX our card almost monthly, we also pay it off monthly. But if they run late, not our fault, then they shut the card down which leaves us in a mess. Im going to drop the company but people should know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I field a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment in XX/XX/2020 to my report which is incorrect and I am asking this be deleted immediately.