23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF EDXXXX XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF EDXXXX XXXXXXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit reports. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

To Whom It May Concern : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. Chain of Custody 7. Assignment of Contract Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I recently examined my credit report and noticed multiple accounts I do not recognize or consent to. Please block and delete these unauthorized entries at once.
Product: Credit card or prepaid card

I was approved for the American Express XXXX XXXX  card on XX/XX/XXXX. The sign up offer was XXXX XXXX  points if you spent {$3000.00} within 3 months. The {$3000.00} spending requirement was met as evidenced on my XX/XX/XXXX statement. I have yet to receive the XXXX XXXX points. I have contacted American Express on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The responses have all been similar - someone is reviewing the account, please check back in " x '' weeks. 
It has now been close to 6 months since I have met the minimum spending requirement and have yet to receive the sign up bonus or any explanation as to the delay.
Product: Mortgage

We were notified that our mortgage servicing company was no longer going to be XXXX, and instead was going to be Mr. Cooper the end of XXXX. XXXX transferred the amount left in our Escrow of {$550.00} on XX/XX/XXXX. 

Fast forward to XX/XX/XXXX, and we received a notice from Mr. Cooper saying that we had a SHORTAGE in our escrow account in the amount of {$570.00}. To which our payment would be going up from {$750.00} to {$810.00}. Of course, on the notice, it states that shortages are likely caused by an increase in taxes and/or insurance. We had no change in either. Upon further inspection of the Escrow Account Activity that they included with this, they were showing our Starting Balance in our Escrow Account as {$0.00}. There was no credit whatsoever for the amount transferred to them by XXXX. 

On XX/XX/XXXX, I reached out to Mr. Cooper to ask how we were short, and why our payment was increasing when there had been no increase to taxes, or insurance. At first the woman tried to state there had been an increase in taxes. I told her that was not true, because I had already contacted our local municipality and verified that our property taxes did not go up. I also told her that it was concerning that they were showing a {$0.00} starting balance on our escrow account activity. I told her that XXXX had sent them the remaining funds in our escrow account in the amount of {$550.00}. She told me she didn't see that. She put me on hold while she had her supervisor look into it. I told her the funds were disbursed to Mr. Cooper on XX/XX/XXXX. After being on hold for a while, she came back on to tell me that her supervisor did " find '' the funds that were transferred in the amount I had told her on the date I had given her. To which I said, " So, there should be no change to our payment then, since we were truly never in the negative? '' Her reply was " Yes, the payment is still going up to the {$810.00} ''. I told her I still wasn't understanding how the payment was going up, when the supposed " shortage '' never existed to begin with. She claimed that this is based on their projected shortages. Again, there shouldn't be a shortage when neither the property taxes nor insurance has increased. 

I have seen other horror stories online regarding this company and their dealings in the past for not crediting payments properly, etc. I am frustrated that their increase to OUR PAYMENT is based off of their INCORRECT math. She did email me a copy where it shows that they did an " escrow correction '' to reflect the {$550.00} received by them from our previous servicing company. However, this is completely unacceptable. If the amount was reflected properly the first time, our payment would've never increased. And my concern is if we pay the increased amount when they can't even record a payment received properly, what are they going to do with the excess? XXXX it? Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : # XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your company 's investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 61, provide the names and business addresses of each individual with whom you verified the account with. Please send me an updated copy of my consumer report after your re-investigation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Repeated calls for years from XXXX  XXXX XXXX, also known as XXXX XXXX XXXX, XXXX, XXXX
Product: Checking or savings account

I have regularly been mobile depositing checks into my account for XXXX years, and on XX/XX/XXXX I did a mobile deposit of a Cashier 's check for {$300.00}. The amount was held for 10 days for " confidential information '' that the check might not be paid. This hold resulted in a returned item fee for my student loan payment that was coming out. The next month, on XX/XX/XXXX, I made a mobile deposit of {$160.00}, that was also held for 10 days. This time the student loan payment came out the charged a returned item fee. When the student loan company attempted a second try at the payment, BOA paid the item, and charged an additional {$35.00} fee. And then, on XX/XX/XXXX, they charged an extended overdrawn charge, for holding the funds in my account. I called multiple times to ask for the hold to be removed and provided proof that the check that I deposited into the account had already cleared, but they were unwilling to refund the fees. During one of the calls XXXX, from Texas, said that when the hold was released and if the deposited item did not get returned that they would refund the fees that resulted. This morning, XX/XX/XXXX, I called when the hold was released and they refused to refund any fees. They acknowledged that XXXX said she would refund the fees, but said that she was wrong to say that and the fees would stay on the account. Essentially, Bank of America held good funds from my account to charge me {$100.00} in overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested verification, validation, as they are clearly reporting incorrect info to the major credit bureaus. Sent letters to XXXX XXXX XXXX XXXX XXXX AND XXXX, XXXX, and XXXX to which they all say they 've verified the account. However, if they had properly verified anything they would have noticed all of the inaccurate info as I did. I have copies of current credit reports, and letters from XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. 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 reported in to be removed. 

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 21 days before the payment due date. 


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


I have requested proof that this information was mailed or delivered 21 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! 

Delete the late payments from my consumer reports
Product: Debt collection

XXXX with National Credit Adjusters has called my work harrassing my employer and asking improper questions about me. I am a XXXX and absolutely can not get ANY personal calls at work. We do not have a designated work phone. I have never given NCA permission to call me at work.
Product: Debt collection

I discharged the alleged debt with Maryland State Comptroller by sending several negotiable instruments and according to UCC3-603 once a debt says that if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. <P/>My letters are asking for pertinent information that they would not answer according to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) and 15 USC 1692 ( g-j ). I also asked about the original contract and original signature with them along with buying the debt for pennies on the dollar from Maryland State Comptroller. The alleged debt they bought it for {$440.00} and it became {$460.00} and reduced it to {$49.00}. How is that possible? <P/>Therefore, I am filing a complaint with your agency against Penn Credit, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates include from 2021 to now current date. 
There are 26 Hard Inquires on my credit that I DID NOT allow the company 's to look into my credit report for any given reason. I have told them to NOT run my credit and when i go to check my scores and my credit report I see a lot of Hard inquires have been added that i DID NOT allow.
Product: Debt collection

T I do not have a contract with this company. Please validate the debt
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX I got an alert from my credit card company that my SSN was used on the black market and now my credit dropped XXXX points. How can I make That stop? I need to secure my ssn and privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.
Product: Debt collection

They are harassing with the amount of phone calls. Called 2-3 times a day, including weekends and past acceptable hours. Call from rerouted landline numbers, almost always different. They called me over 170 times in 60 days.
Product: Credit card

I got an email from XXXX about possible fraud on XX/XX/2023 and I promptly contacted XXXX and determined it was fraud and was not charged by me and by a company that I haven't heard of before then. The person with XXXX was helpful and I was told my credit card would be cancelled and a new card mailed to me along with a fraud letter. On XX/XX/2023 the unauthorized charges were added onto my balance which would also result in interest on the fraud charges.
Product: Credit reporting or other personal consumer reports

This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. Inaccurate and false info included in credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX account number 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
Product: Credit reporting or other personal consumer reports

Account info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PAYMENT HISTORY LEGEND Status Account charged off. {$590.00} written off. {$590.00} past due as of XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have a federal trade identity report on file experian has not remove the negetive item off my report the item supposed to be remove or block my social security number is XXXX THE NEGITIVE ITEM IS 30 DAY LATE