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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX and XXXX XXXX original debt XXXX. I was never notified of this debt. This debt occurred on an emergency room visit regarding my son. The insurance holder for him is my ex wife through her new husbands policy. They never notified me of this debt and my ex wife was able to get this put under my social because she knows it by heart. I have settled this debt for XXXX and it was supposed to be removed from my report due to the false circumstances and lack of notification on behalf of the original creditor and my ex wife. For some reason it still appears on my report with an open balance of XXXX
Product: Debt collection

I am a victim of identity theft. I recently turned XXXX and learned that my personal information was used to open credit card accounts with numerous company 's. I have been able to absolve all the fraudulent account but XXXX ; Capital One Bank and their collector XXXX XXXX XXXX, XXXX. I notified both creditors on XXXX/XXXX/XX/XX/XXXX that I was a victim of identity theft and that I did not open or authorized the accounts. I ask them to close the accounts and informed them that I am disputing the information because they were a result from the crime. I ask them to absolve me of all charges on the account and take the appropriate steps to remove the information about the account from my credit files. I include the Identity Theft Report File # XXXX, copy of my credit report, a copy of my drivers license and FTC Notice to Furnishers of Information. The XXXX XXXX Bank account was opened on XXXX/XXXX/XXXX, I was XXXX years old when the account was opened. I received a response from XXXX XXXX XXXX XXXX that they have completed their investigation of my dispute concerning the account and have established the account to be valid. I sent them another letter on XXXX/XXXX/XX/XX/XXXX disputing their findings. The letter stated the same information as the letter sent on XXXX/XXXX/XXXX pointing out that I was XXXX XXXX XXXX when the accounts were opened. On XXXX/XXXX/XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX requesting that I send them the same information I 've send them in previous letters. I fell that I am getting the run around with XXXX XXXX Bank and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on my credit report. I have 2 derogatory late payments incorrectly reporting on my account. The 1st late payment is from XX/XX/2022. The 2nd late payment is from XX/XX/2022. I need these late payments removed immediately as they are incorrect. I have sent in dispute letters and tried contacting XXXX XXXX and equifax by phone and have received no help.
Product: Checking or savings account

On XX/XX/year> my personal checking account # XXXX at USAA was unilaterally terminated without any prior notice or explanation. Despite many attempts to obtain clarification from the bank, I have not received any acceptable response. This has caused significant distress and uncertainty regarding my financial standing at USAA. I attempted to transfer funds from another account and was obstructed. This obstruction seems to be preventing clients from conducting transactions other than those that benefit USAA. I do believe USAA has assumed it is a joint owner of my account based on its actions. This confusion has raised serious concerns about the management and security of my funds. Furthermore, I am concerned that USAA may be unable to meet its obligations to depositors and creditors. The value of a bank account is not solely reflected by the current balance ; it can also include other factors such as accrued interest, pending transactions and ant investments linked to the account or profit generating schemes such as fractional reserve banking. Very disturbing regarding the security of my account. USAA has used my service agreement to restrict certain actions or limit my ability to transact on my personal account. This agreement is not valid because of behavior that amounts to breach of trust, breach of fiduciary duties, insolvency, false advertising, identity fraud, and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is still on my credit report from the original creditor even though its is stated in the comments that the account has been sold to another lender. The original company and the credit bureaus are giving me a very hard tome with getting this account off of my credit reports and this is very unfair.
Product: Mortgage

In approximately XXXX XXXX XXXX XXXX XXXXXXXX. I, ( XXXX XXXX ) started making the mortgage payments on this home located at XXXX XXXX XXXX. At that time, the mortgage company was Principal Residential Mortgage out of XXXX XXXX Iowa. The loan was in XXXX XXXX XXXX 's name. I had been granted permission by him in writing to communicate on his behalf regarding this loan. This loan has been serviced by many mortgage companys over the last twenty four ( 24 ) years. XXXX, XXXX, XXXX XXXX and now Newrez. I have kept these mortgage payments paid and insurance secured for this home ( in good standing ) for all of these years. The insurance was with American family for years and I changed insurance Companys a few years ago to XXXX. The insurance premiums has been paid through escrow. I received a letter from my insurance company XXXX stating that the premium had not been paid by Nerez Mortgage Company out of escrow and is going to lapse. Which by the way, I, XXXX XXXX have not missed any mortgage payments and was completely in good standing. I called Newrez to inquire about why they had not paid the insurance premium. They refused to talk to me and said i did not have authority to speak about this Loan number XXXX. In the mean time, Nerez sent a notice dated XX/XX/XXXX stating that they have not received proof of hazard insurance ( absolutely not true ) for this property and it has become necessary to place lender-placed insurance coverage on this property. The mortgage payment has been {$1100.00}. Now, our XXXX statement comes in the mail and they ( newrez ) is stating that our amount due for this month is {$2300.00}. This is a very serious issue and needs to be addressed. I have spent hours on the phone talking with different representatives at nerez mortgage company over the last few months. On numerous occasions the representatives told me that they would have a supervisor call me to get this resolved. This has not happened. The latest calls from me ( XXXX XXXX ) to nerez. i spoke with XXXX, XXXX, and others. They told me that all I need to do is e-mail confirmation of XXXX XXXX giving me permission to communicate regarding this loan and some one would be in contact with me within XXXX hours. I have sent multiply e-mails to different e-mail addresses starting XX/XX/XXXX th XXXX and still, I have not received any correspondence regarding this issue. Please help me!!!! Thank you XXXX XXXX
Product: Vehicle loan or lease

I have asked this company many times to provide me with actual documents with an actual signature for this loan that's showing on my report. Anyone can use my name and social and anyone can use the address they have in file. Show me the actual proof of these documents. Not scanned copies, no photocopies, the actual documents. As well as social security number used. There are are quite a bit of people with the same exact name in this area
Product: Debt collection

I have previous complaints filed about XXXX XXXX Bank ( XXXX XXXX, XXXX ). The most recent ticket was XX/XX/2022. I just received a letter from XXXX XXXX Bank on yesterday, Wednesday, XX/XX/2022, that was dated XX/XX/2022, that my XXXX ( XXXX ) accounts balance had been sold to Resurgent Financial Services- the accounts had already been sold and I filed a complaint about the collection attempt from Resurgent Financial Services and I was never contacted in writing or by phone from Credit XXXX Bank XXXX my accounts being sold ( prior to Resurgent contacting me first ). I have filed a complaint because I had reached out to XXXX XXXX Bank to do a hardship as well as get the account balances resolved so the debt could be finalized. XXXX XXXX Bank continued to allow fees to mount, continued to state there could not be a finalized amount given, and ultimately sold the debt to Resurgent and then sent a letter after the fact. I did not get the opportunity to dispute the debt amount to have a plan discussed to resolve the balances. Secondly, the amounts that were sold to Resurgent Financial Services are not correct and include inflated charges and fees that XXXX XXXX did not resolve with me when a request was made to have the account balances resolved and closed. The XXXX XXXX XXXX in XXXX, Texas, did an investigation and stated that XXXX XXXX Bank stated they would not do a settlement to stop the fees or have the accounts closed nor would I be contacted by them except for legal reasons. I do believe that me not being notified in writing to dispute the debt amounts is a legal reason and being contacted about PRIOR to a debt being sold to a third-party company as well is a legal reason for contacting a consumer. 

XXXX. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer : ( XXXX ) All information in the consumers file at the time of the request except that if the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

DELETE THIS ACCOUNT DUE TO INACCURACIES OF BALANCE AMOUNT REPORTED  XXXX XXXX XXXX TRANSUNION AND XXXX. XXXX XXXX XXXX XXXX XXXX WHO REPRESENTS XXXX XXXX XXXX PROVIDED ME BY MAIL VERIFICATION OF MY ACCOUNT DETAILS. 
PAYMENT HISTORY OF ACCOUNT DETAILS THAT ( XXXX) VERIFICATION PROVIDED, SHOWS BALANCE AMOUNT OF "XXXX", FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX BUT YET XXXX  TRANSUNION AND XXXX  SHOWS XXXX XXXX XXXX XXXX  RESPONDED ON MY FEEDBACK THROUGH CFPB THAT MY ACCOUNT IS HANDLED BY OUTSIDE COUNSEL.  BUT YET I RECEIVED A LETTER IN THE MAIL XXXX XXXX XXXX GOT SAYS THE INFORMATION THAT THE CREDIT REPORTING AGENCIES ARE REPORTING IS VERIFIED AS ACCURATE AND COMPLETE BUT YET THEIR OWN XXXX XXXX XXXX XXXX XXXX SAYS DIFFER WITH THE VERIFICATION DOCUMENTS THAT WAS PROVIDED TO ME.
THE CREDIT BUREAU STATED THAT MY ACCOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE BALANCE AMOUNT IS DIFFERENT FROM THE VERIFICATION I RECEIVED FROM THE LAW OFFICE THAT REPRESENTS XXXX XXXX XXXX  THIS IS GROUND FLOOR REMOVAL THEY HAVE VIOLATED MY RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, KY XXXX XX/XX/2005, XXXX XXXX XXXXXXXX Balance : {$4200.00}, ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked my credit cards company to remove all late payments from my credit reports. 

they have agreed to remove all late payments of all my credit cards due to be being off work from a work injury. 

delete all late payments from all my credit cards on my reports
Product: Debt collection

XXXX from texas guaranteed has repeatedly harassed my potential employers for the past 6 months while I am interning - the employer has let them know I am not a XXXX Employee, even after I complained on here after repeatedly asking them to stop contacting. They do not block the number - so it shows who is calling - and leave messages with staff members to call me, including voicemails on non-secure voicemails that other staff members here stating who they are and why they are calling. The past 7 days alone I have these : XX/XX/XXXX @ XXXX both voicemail and message with staff left by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX @ XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX XX/XX/XXXX at XXXX and XXXX by XXXX I spoke with the manager after the last time I wrote a complaint on here to stop contacting and clearly that did not happen. How do they expect anyone to ever get and/or keep a job when they do this? 
They also call my family members and harrass them.
Product: Mortgage

Each year since M & T purchased my mortgage from XXXX XXXX they have significantly increased my monthly mortgage. This year alone my mortgage increased from XXXX in XXXX to now currenly over 1000 monthly. Initially they said it is because they had no prove of HOA insurance which I provided immediately. Then they said there was an escrow shortage because my taxes increased to over XXXX this year which only amounts to a XXXX increase. My home was purchased in XXXX. I have been in my home now for almost 14 years. The increases are fraudulent and a way to try and force me into foreclosure or remodify my loan so they can add more years. They have refused to take payments from me. Even with the forced insurance they are trying to apply to my account which was XXXX annually an increase of only XXXX $ month the extra XXXX per month they are charging still would not add up. Mortgage increase has been over 30 %. They have treated my mortgage as if it was XXXX instead of the fixed rate it is supposed to be. Once again I have proof of insurance which they have been provided and they still have outrageously increased my mortgage along with associated late fees because they knew mortgage would fall behind. Initial complaint filed in XXXX file number XXXX. Only months after they purchased my mortgage
Product: Debt collection

IC Systems Re : Dispute of Account No. XXXX XXXX XXXX To Whom it May Concern : I am writing to inform you that I have received your demand for payment, and I dispute this debt in its entirety. This debt was disputed directly to XXXX and was ignored. The basis of this charge XXXX alleges is that they claim the XXXX was returned damaged but failed to elaborate as to what damages they alluded to. Through XXXX ( which I retain copies ) I informed XXXX that the XXXX was in perfect working condition when I put it in the return packaging they required I use. I provided XXXX pictures of the phone as I packed it to assure there were no damages knowing full well XXXX would fabricate these claims to bilk more money from a dissatisfied customer. XXXX refused to provide me with proof that the XXXX was damaged. XXXX did not respond to my further requests for proof of their fictious claim. 

I dispute this claim in its entirety. If this debt is not reversed and or this debt is reported to my credit, I will retain attorney XXXX XXXX with XXXX XXXX XXXX to seek legal action seeking damages and restitution against XXXX and IC Systems. 

To validate this debt, I demand XXXX provide the XXXX in question to prove damages Thank you XXXX XXXX Cc : XXXX XXXX, CFPB, MN Attorney General, XXXX
Product: Credit reporting or other personal consumer reports

My sons medical bill went to collections even though he was fully covered under XXXX XXXX at date of service. I asked hospital to resubmit to insurance at time I received a bill. The hospital never contacted me or sent me another bill after so I thought issue was resolved. Now medical bill is in collections and on my credit report. XXXX XXXX never received a claim.
Product: Checking or savings account

Closing my business accounts started from 2017 by Paypal, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also by payment processors like : XXXX, PayPal, XXXX, Base on false and incorrect documents and info reported by XXXX and only because of my country of birth!!
Product: Debt collection

I, XXXX XXXX, consumer, am submitting this communication to inform NATIONWIDE CAPITAL SERVICE XXXX. XXXX, 2022 {$1700.00} that by law, you do not have the right to report inaccurate information knowingly or not without my consent, pursuant to 15 USC 1681b ( a ) ( 2 ). After viewing my credit report, it shows derogatory accounts that I question. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting for validation that you have proof of debt.

In accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report.

I am requesting VALIDATION. Provide me with evidence that I am obligated to pay for the derogatory accounts listed above.

If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a dispute I initiated with Experian, which I submitted 30 days ago. As of the date of this letter, I have not received any response or resolution to my dispute. 

I sent my disputes via priority mail on XX/XX/2024. I received a letter from Experian dated XX/XX/XXXX, XXXX XXXX  stating that the investigation was in process. USPS tracking indicates that the package was received by Experian on XX/XX/XXXX at XXXX XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, credit reporting agencies like Experian are required to investigate any disputes within 30 days of receipt. This failure to respond to my dispute within the prescribed time frame is a direct violation of the FCRA, which mandates that credit reporting agencies must perform a reasonable investigation and report back to the consumer promptly. 

The items I disputed have not been verified, nor have they been removed or corrected. I am requesting your assistance in ensuring that Experian adheres to the law and either provides the proper verification or deletes the disputed items from my credit report. If Experian is unable to provide sufficient verification of these items, I expect them to be immediately removed, as required under the FCRA.
Product: Bank account or service

To whom this may concern, Scottrade Bank recently suffered another databreach exposing personal information. I was previously an account holder at Scottrade Bank and Scottrade XXXX until being a victim of identity theft and having gone through significant problems as a result of Scottrade 's last XXXX customer record data breach. 

I am writing today to request Scottrade Bank affirmatively confirm or deny whether or not my personal information was exposed in the newest data breach. My former account number are XXXX and XXXX. Additionally, I would like to ask if Scottrade has plans to provide identity theft insurance for these breaches. 

The databreach was reported here : XXXX as well as XXXX and elsewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX i call Equifax about a inquiry that doesnt belong to me and i want it removed that because i did not applied for that credit card and they told me to call the creditor that was showing on my Credit report so i did i was in the phone more than 3 hours dealing with them so that the end they told me that they will removed and send a letter to the credit bureau to delete the inquiry that doesnt belong to me. And right now its been more than a month since the day a call they that inquiry still on my credit report.
Product: Debt collection

I requested validation of this alleged debt many times from the companies reporting the debt, such as XXXX XXXX and XXXX. The original creditor Mohela could not provide proof of the debt in which it was removed from XXXX and XXXX, However XXXX has failed to provide me with any valid documentation supporting the alleged debt. The original creditor is Mohela and the account number is # XXXX. According to the FCRA proof of this debt is required in order to report it to the credit bureaus. I have filed a police report in regards to this fraudulent activity and I have not been notified by either party involved with my compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is showing 2 hard inquiries on my credit report that I did not initiate or approve and as you can see from my credit file - no credit was obtained as is required for having such inquires on my report. they need to be removed from my credit file. 


XXXX XXXX XXXX Inquiry : XX/XX/2018 & XXXX XXXX  Inquiry : XXXX. XXXX, 2018