23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After finding these inaccurate items on my credit report and having never been contacted by this company or the original creditor as required under the law, I requested the information on the debts they say that I owe. They have failed to provide the actual invoices which these debts were incurred with. Despite the request and lack of response from them, they have confirmed to the Credit Reporting agencies that this debt is valid. These are medical bills for the most part. I have always had medical insurance and paid my deductibles. I am guessing that these amounts should have been written off by the medical providers according to their agreements with my insurance but are trying to collect in violation of their agreements with the insurance companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I applied fir a XXXX XXXX credit card and was approved for a Card with a {$300.00} credit limit. The XXXX XXXX employer told me that only 1 inquire will be apply to my credit report. But that was not correct ... XXXX XXXX summit 3 inquiry and pulled my credit with unauthorized inquiry. I only authorized them to pull my credit report 1 time. I tried 3 month to resolve them matter with XXXX XXXX but they keep telling to Dispute it with the TransUnion, so I did it. I summited a Dispute with TransUnion them to tell me that they dont do inquiry Dispute, which is not true. They are 2 inquiry dating on XX/XX/2018 and XX/XX/2018. These inquiries are effecting my credit score bad and negatively.
Product: Credit card

We received a collection notice from Midland Credit Management saying we are in default. I never opened this account as I have never lived in XXXX XXXX, Mi, also having not left the state of Florida in over 40 years.I always use my middle initial when i legally sigh any forms. Being the XXXX  was not used to open this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX 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: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove this fraudulent/ unauthorized inquiry from XXXX XXXX XX/XX/2022 or provide proof in writing within 30days.
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccraute information on my credit report regarding 2 accounts. Both of these accounts are involved as lawsuits so, " I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. '' Transunion continues to violate my rights as I have disputed this various times and I am now being blocked from doing do. They are reporting inaccurate amounts as dates as these 2 account are currently in litigation within the Louisiana court system. 

XXXX XXXX # XXXX ; account in litigation, DELETE NOW XXXX XXXX # XXXX ; account in litigation, DELETE NOW
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Acceptance Rentals, Inc. of XXXX, GA has failed to report a paid off day furniture account to XXXX Credit Bureau even though theyve confirmed through email that its reported.
Product: Student loan

I was contacted by Navient XX/XX/XXXX in regards to my student loans and setting up payment. I informed the lady at the time tat my mother had just went into a XXXX  and I was responsibe for her bill and my current bills, the $ 200+ dollars payment I could not afford. I asked her if there were any options on adjusting the amount as I had did with my goverenment loans. She said " No, you have to pay the $ 200+ amount, that is all that we can offer you ''. I informed her I could not do it and she screamed " well we will put this oh your credit report '' and hung up. At the end of XX/XX/XXXX, I started to monitor my credit report by signing up for XXXX XXXX and there was a neagtive reporting that I had not made payments to Navient in almost 2 years. I immediately called and the customer service agent could not verify my account and stated that my Social security and Date of birth did not match what they had in the system. I then inquired on how it could be reporting as negative/no payments when I have NOT received any written correspondence on what payements are required or any help with a payment plan, also you can not even give me information in regards to my account because you state the info does not match. I called back again XX/XX/XXXX same thing, they did not have the correct info in their system, therefore they can not direct or help me in anyway. I am is desperate need to remove these damaging reportings and get the correct info to try and start a repayment. Navient has been no help and everytime I call I get pushed to several different departments with the same spill given to me about my info not matching what's in their sysytem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint myself to told you that the 3 credit bureaus seemed to fail to remove the following accounts listed here on my complaint. For that, I am requesting to you to help me gather some investigation with this issue. The current status should not be showing late because I paid it on time. Three Credit Reporting Agencies lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets verified and remove these immediately. The Bureaus are required to verify for them, but they failed to remove the accounts. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these accounts which are late/closed and charge off immediately : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} - The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. XXXX XXXX XXXX XXXX Balance : {$0.00} - Your poor record-keeping is apparent as the reported item is marked as overdue despite being closed with a XXXX balance. This account was paid off, closed, and inactive, thus should have been marked as PAID. Please verify and correct this information or remove the item if you can not provide proof that it was reported correctly. XXXX XXXX Balance : {$0.00} - I need to dispute charge off account that is still being reported on my credit file with a XXXX balance. This account have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. XXXX XXXX XXXX XXXX Balance : {$0.00} - Your poor record-keeping is apparent as the reported item is marked as overdue despite being closed with a XXXX balance. This account was paid off, closed, and inactive, thus should have been marked as PAID. Please verify and correct this information or remove the item if you can not provide proof that it was reported correctly.
Product: Debt collection

XXXX  continues to report negative information on my credit report. I’ve received multiple notifications from the credit bureaus and XXXX XXXX indicating that this account was removed from my credit reports, that’s untrue as the account is still reporting negatively. I’m requesting for this account to be removed immediately. I’ve attached proof.
Product: Mortgage

Hunting Bank Paid from my escrow account a non bill insurance Declaration Page statement. putting my escrow in to a seriously negative balance.
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. Experian, XXXX and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this 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 : XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$2800.00}
Product: Credit reporting or other personal consumer reports

After further review of my Experian credit report, I've noticed there are XXXX names, XXXX addresses, which do not match my current records. I DEMAND ALL addresses on my Experian credit file DELETED. Addresses reporting on file I do not reside. CXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a non-mailable address and therefor inaccurate. Updated address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Updated Name : XXXX XXXX XXXX. Please remove ALL phones numbers on file. Please remove ALL employers from credit file. Please remove 1 hard inquiry. Failure to remove the requested information will result in an immediate violations of my right to privacy as a federal protected consumer. Further furnishing of the data herein beyond the request for removal will further result in violations of 15 usc 1681n - willful non-compliance. Attached to this complaint is an XXXX XXXX XXXX phone bill which reflects current mailing and billing address.
Product: Credit reporting

I have XXXX hard inquiries on my credit report for a car loan that should only be XXXX as XXXX does not give car loans they only acquire loans through XXXX. It is listed as XXXX separate inquiries.
Product: Mortgage

1. No defined procedures by Fay Servicing in regard to the foreclosure process. No loss mitigation proposals that will allow me to keep my home.

2. Fay Servicing requested me to complete the same loss mitigation application multiple times, thus stretching out the loss mitigation process over a long period of time.

3. Fay Servicing responded to my multiple emails with a auto-response but never a follow-up from a Fay Servicing representative.

4. Fay Servicing requested me to complete the loss mitigation application for a multiple time and then shortly thereafter filed a preliminary loss mitigation affidavit ( thus beginning the foreclosure process ).

5. Summary : Fay Servicing did not provide complete and thorough Information in regard to the loss mitigation process. I believe I have been set up for failure relative to the loss mitigation process. 
I believe that foreclosure is the sole objective of Fay Servicing. 
Note : I am a senior citizen who has owned my home since 1973. I became ill with XXXX  and thus I had difficulty in maintaining my monthly mortgage payment. I am now capable of making my monthly mortgage payment and I could make past due payments over time with a loan modification.
Product: Mortgage

I had an homeowner 's insurance claim around XXXX/XXXX/2013. The insurance company paid out on the claim totaling approximately {$25000.00}. A check was made out to myself and Plaza Home Mortgage. The servicer is claiming they have a right to keep half of this amount in a so-called restricted escrow account. PHM is stating I must complete repairs and have the affected area inspected by one of their representatives, however I can not rebuild the damage deck as I would have to come up with roughly {$5000.00} in the gap between the pay-out and the actual cost to rebuild : about {$30000.00}. The deck in question is n't attached to the home and was originally deemed with no value by the appraisal done at the time of the purchase of the home. I have offered to allow them to dictate where else these funds could be spent on some critical deferred maintenance areas e.g. window, energy upgrades and they have flatly refised to budge. So, funds sit with this company while the home/investor 's collateral deteriorates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXXXXXX account : Please remove all of the inquiries as stated above, as they are listed below from the Equifax report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below. This item shall be removed.
Product: Mortgage

I called XXXX the end of XXXX and I was informed by the agent that Deutsche Bank National Trust was the investor for my mortgage ( loan number XXXX ). I called Deutsche Bank National Trust ( using the phone number provided by XXXX ) and was directed to speak to XXXX. I wast told that he handled the mortgages handling for the state of Virginia. I reached out to XXXX on XX/XX/XXXX via fax to explain my concerns and issue with identification of the investor on my loan and the negotiated payoff offer. I left several messages over the next few days and then spoke to XXXX directly the first week of XXXX. He explained that " XXXX continues to makes mistakes by misinforming their customers that Deutsche Bank National Trust is the investor on their mortgages. '' He continued " we have issue with XXXX sending people out was with the wrong information and I may be able to help identify who the correct investor is on your mortgage ''. After this conversation we shared the following email correspondence forwarded below in this email. I responded to XXXX email with the information provided, however he has not returned my phone calls nor responded to any follow-up emails. I reach back out to XXXX escalation department several time and they continue to identify Deutsche Bank National Trust as they investor, however they continue to deny that fact.
Product: Mortgage

Applied for a refinance of our mortgage with Wells Fargo Mortgage department with XXXX XXXX, Home Mortgage Consultant - XXXX ID XXXX. I submitted all the paperwork with the help of my husband and then XXXX said that we could use the previous appraisal. That was on XXXX XXXX, 2016. We waited 2 weeks then he said that it was in some committee and they were deciding IF it could be used. I told him let 's just get a new one. Another week went by and still no decision so we contacted his manager XXXX XXXX. XXXX did n't get back with me and when he did he said he " forgot '' to contact XXXX. We never heard why they could n't use the old appraisal. On XXXX XXXX, 2016 XXXX said he would order a new appraisal and to contact him if we did n't hear from anyone. We contacted him on XXXX XXXX, XXXX XXXX and XXXX XXXX and each time he said he would escalate it. Today I told him we want to speak with XXXX XXXX 's manager. XXXX refused to do so and wrote the following " No need to be rude. I am trying to get this handled just like XXXX is. I thought you were asking me for his information again. '' Yet he never gave us that information. XXXX XXXX was cc 'd on the e-mail and never reached out. We called his office and his cell. No return call. His cell 's voicemail was full. XXXX is no longer reaching out to us and our 60-day lock expires on XXXX XXXX. We still do n't anything about getting an appraisal. Our fear is that because interest rates have risen they are trying to stall so we 'll have to pay a higher rate. We think so because XXXX kept pushing us to get a 30-year loan with a higher interest rate rather than the 15-year loan. Interest rates have risen. We are 34 days into a simple refinance and we are still getting the run around. We escalated to their " mortgage escalation department '' and XXXX XXXX said he would look into it on XXXX XXXX, 2016. He called on XXXX/XXXX/16 and just said he would contact XXXX and XXXX, which obviously, was n't going to help. XXXX XXXX would n't give us XXXX XXXX manager 's name either and did n't return our phone call on XXXX/XXXX/16. We still hope to close and just would like a new mortgage consultant to take over OR for someone with a higher level within the company to supervise them and allow us to close on or before XXXX XXXX or give us an extension on our lock date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. 
Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I have written the debt collector several times. This is the most recent letter sent regarding this debt. 

Fair Collections & Outsourcing, Inc XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX RE:XXXX Dear Sir or Madam, According to Landlord-Tenant Law Residential Leases Statute of Limitations. In the 5-2 decision Maryland Courts of Appeals : The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. 

Based on the date which the account was placed for collection XX/XX/2016 the account XXXX XXXX XXXX I according to Maryland Code is to be deleted from all three credit reporting agencies ( XXXX, XXXX, & XXXX ) according to the statute of limitations. 

Please communicate regarding this account to the address mentioned below. 

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Payday loan, title loan, personal loan, or advance loan

OneMain was recently forced to pay 10 million for deceptive sales practices to consumers. The reason for this complaint, is the money was given to CFPB and we have to submit a complaint to receive money for this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XXXX XXXX XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$5.00}, XXXX  XXXX XXXX Balance : {$15000.00}, XXXX XXXX Balance : {$19000.00}, XXXX  XXXX Balance XXXX {$21000.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX Company Inquiries : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX