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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX ... CREDIT COLL ( Original Creditor : XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

Debt collectors at ACS have been predatorial in their behavior toward my girlfriend, XXXX XXXX, repeatedly calling in morning and night hours hounding her to pay bills they claim to be past due ( even though they aren't ) after her father passed away six months ago.

Even after mailing them the death certificate, setting up direct deposit and taking the necessary steps needed to reasonably deal with the loan, the collector continues to call and not recollect these conversations after repeatedly being told the same thing. 

The language this debt collector has been abusive, misogynistic, hurtful, and abhorrent in every sense of the word. It's one thing to try and talk down on others, it's another to make light of a family member 's death. The debt collector should not be allowed to be employed by ACS or any other credited financial institution.
Product: Credit card or prepaid card

I am having issues with Capital One regarding the company filing a fraudulent complaint on one of my transactions. I have reached out several times to them as well as the company that the funds were removed from regarding this matter. 

Capital One placed a fraud dispute on a transaction without my knowledge or consent. They claim to have reached out to the other company and are awaiting a reply ( the other company hasn't received any such request ). The other company gave me information to pass to Capital One and I did upload it to them but they're not doing anything to resolve the issue they created. 


The reference number Capital One gave me regarding this matter is XXXX.
Product: Debt collection

Midland Credit Management keeps destroying my credit regarding an account that I do NOT owe that is NOT mine. I have been a victim of identity theft and have taken the appropriate legal action. 
Even if this were valid, per my attorney this account would still be a violation of my rights under the FDCPA because they are listing this account as " open '' which is a violation of his collections can be reported on file, as they can not report past due, late, or open. 
In the past I had made a request of information such as proof of ownership, verification ( NOT validation ) of the original creditor, last 2 years of payment history, and a copy of the agreement with my alleged signature. I received nothing other than repeated bills, and had they not violated my rights and provided the information I requested under my full right to do so, i could have gotten to the bottom of my identity theft sooner.
Product: Credit card

I opened this account with Capital One in XXXX. Since then I have made 100 % of my payments. Earlier this month, XXXX, I linked my savings account to the Capital One account so that I could automate my payments to just pay off my balance every month. This account has more than enough funds for these small payments. On XX/XX/XXXX a payment from my savings account for {$100.00} was posted to the Capital One account. Everything seemed fine. However, on XX/XX/XXXX that payment was reversed without a reason or a notice. I thought maybe I entered my account information wrong or maybe it was my bank. So I double checked my account and routing info ( which was correct ) and called my bank to make sure all payments to Capital One were authorized, and they confirmed. On XX/XX/XXXX another payment for {$170.00} was posted to my Capital One account. Everything was once again fine. My balance updated and the available credit was pending. However, the payment was reversed on XX/XX/XXXX with no explanation and no notice. After this second reversed payment Capital One closed my account. I called them and asked why but the representative could only tell me that the account, not the cardholder specifically, violated some policy that he could not elaborate on. So now I have a closed account with Capital One with a current balance of {$180.00} with an incoming payment from my debit card for {$68.00}. I attempted to just apply for another account with Capital One but was denied, despite my 100 % payment history.
Product: Debt collection

I have paid this debt with the same account number through a different collection agency. I have proof that the debt is paid as the account numbers match for the same debt. I have faxed and emailed proof of this debt being paid but the collection company refuses to work with me and still holds the debt. They tell me they " will update my account with the notes that I dispute this debt ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is in Violation of reporting inaccurately Inquiry on my credit report all false and fraudulent inquiry Under 15 U.S. Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is Fraud Remove all the of fraudulent Inquiry Inquiry details XXXX BANK ( Bank ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX BANK XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Debt collection

This letter is a formal request to remove the following account including the business name address, and telephone number of any furnisher of information contained in connection with debt reinvestigation.
Product: Mortgage

I have met the terms given by Carrington Mortgage Services , LLC in order to remove the PMI from my mortgage, I have sent a faxed request on XXXX separate occasions to have this done. I was told by a representative that a letter had been mailed out to me on XXXX XXXX, XXXX updating me, I have not received this letter. I have, however, received several other communications from the company regarding other issues such as hurricane relief and new billing statements dated after XXXX XXXX. I called and spoke with a supervisor for the company 's call center at the end of XXXX and she informed me that I would have to wait until XXXX in order to see a change. I have since chatted online with a representative, XXXX, who informed me that I would have to make my XXXX Payment and wait an additional 60 days for the escrow analysis. I am then told by that representative that they are not working in the department that actually handles that request and I can not speak with anyone in that department because they do not accept calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to resolve this " late payment '' allegation. 

1. The dealership verbally ( and wrote the original contract ( 3 revisions of record ) ) told me the loan amount would be paid before XXXXXXXX XXXX due date. WHY WOULD I PAY FOR FULL COVERAGE INSURUANCE ( see attached ) for a vehicle that I didn't own? The contract information was edited to financially benefit XXXX XXXX XXXX! 

2. The sales agent was terminated from XXXX XXXX XXXX after the sale of this vehicle, due to negligence. If they deny this, I hope CFPB does a full audit on all transactions of the dealership.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with XXXX XXXX, which operates as a tribal lender, actually illegal in my state. My loan is paid in full as of today, both the principal and the interest. I did get a bit behind on the loan, and it was reported to the credit bureaus as late. As they are a tribal lender and illegal, they should not have reported to my file. I was told when laying in full I could contact them for a deletion. When I did contact them - after paying in full - they said nothing could be done. 

They are illegal and predatory and are not to be reporting to credit bureaus. 

Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Payday loan, title loan, personal loan, or advance loan

I received several XXXX  and XXXX messages that said congradulations on your approval with a link that instructed me to follow to accept the loan. After following the link I come to a page asking the amount that I wanted to borrow, up to XXXX each time I hit next, I would come to a page that was pre-populaed with my information. I come to the final page that said I accept. within a minute I get a notice that Prosper is not able to approve the loan. Ithen get an XXXX  stating that my acount has been suspended for XXXX days with no explanation. Based on Prospers deseptive loan practices my XXXX XXXX has dropped be cause of a hard pull on my credit file, making it harder then ever to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent documents to experian twice proving that the account open in my name was fraudulent but they refuse to delete it from my record. I sent a copy of the company stating that they found the account in my name was fraudulent also sent them a copy of the court document showing that the case was dismissed because of it. I sent the same documents to XXXX and they deleted that account from my record without further questioning. I also am having the same problem with Equifax as I sent them the same info as well. Both Equifax and XXXX is impossible to reach by phone to talk to a live rep to address the problem.
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 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 - On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the wrong person.
Product: Debt collection

On XX/XX/2016, this debt for {$9800.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Debt collection

Ive paid my Amsher collection on the understanding that they would completely remove it from my report. It has been more than a month and it still shows and with the wrong amount!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from Cascade Receivables Management that I had to pay on a debt. I never received any other letters from them with any notices about any debt and this violates my 30 day right to dispute. They are claiming that I owe money for XXXX XXXX XXXX XXXX and I have never heard of them before or been anywhere like that. This debt is not mine and they must stop and cease all collection activity. 
I am now asking for validation for this debt you say I owe. I am requesting proof that I am the party responsible for this debt and that there is some contractual obligation that is binding on me to pay this debt. This is not a request for verification or proof of my mailing address but a request for validation! I ask your offices provide me with evidence that I have any legal obligation to pay you. 
I will also inform you that if you offices have or continue to report invalidated information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by Cascade Receivables Management I will not hesitate in bringing legal action for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I have never been to such hospital and ask you cease all collection activity. This account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 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 # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$8200.00} XXXX XXXX Balance : {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for PROOF of " validation of a XXXX XXXX bankruptcy I keep being told that it has been verified, yet I have failed to receive any PROOF. My rights are being violated per 15 UCS 1681b -Permissible purpose of consumer reports it states " in accordance with thw written instruction of the consumer to whom it relates ''. I have never provided any type of written instructions with my WET signature for this to report. You are furnishing a consumer report without the consumers consent. You all are disclosing PRIVATE information such as name address, social security number, etc. This is violation of 42 USC Sec. 408 The ONLY " Bureau '' is the CFPB per 15USC 1602 Per law you " XXXX and Lexis Nexis '' is considered an AGENCY I have not given you permission to furnish nor report a bankruptcy violating my privacy. Per FCRA I have the right to have inaccurate, incomplete or unverifiable information deleted by a CRA. You all are putting me at risk for identity theft by displaying my PERSONAL info that I did NOT authorize with my WET signature. Again NO COURT in AMERICA reports this info to you. You STOLE it from a database that I didn't authorize you to report on my behalf, putting me at risk. These are only a few laws that have been violated. I will also be reporting this to the Attorney General, FTC, and the FCRA. I also have my evidence that I have tried on multiple occasions to rectify this problem with you. With them I will be stating EACH law that has been violated and seeking damages per each violation.
Product: Debt collection

I am disputing a balance reported by Eastern Account System for services provided by XXXX. My lease for the property at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX terminated on XX/XX/XXXX. I returned all equipment and received a credit from XXXX in XX/XX/XXXX. Despite this, I have been charged for services in XXXX and XX/XX/XXXX, which is incorrect. Eastern Account System has reported this to my credit as a collection account, resulting in a negative impact on my credit score. I have attached a copy of my lease agreement showing the termination date, proof of equipment return, and the credit received from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TrueAccord Account Number:	XXXX 

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.
Product: Credit reporting or other personal consumer reports

I have some creit inquires that are fraud and I did not authorize. I will fill out a ID Theft form but these inquires need to be deleted. 

Inquiry details XXXX XXXX  ( Finance ) XX/XX/year> XXXX A ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Bank ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX ( Bank ) XX/XX/year> XXXX  XXXX ( Bank ) XX/XX/year> XXXX ( XXXX ) XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXXI XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX
Product: Mortgage

XXXX   XXXX   will not allow me to buy my home back
Product: Student loan

I submitted a Borrower Defense Application in XXXX for XXXX XXXX and it was closed without reason. XXXX XXXX took me to court couple of years ago trying to sue me for {$6200.00}. The case was dismissed. If student loans paid this off.. why did they take me to court. They have been fraud from the beginning. Misleading and fraudulent. I am {$100000.00} in debt w student loans due to XXXX XXXX. They have stolen money from me and now I am fighting back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found a late payment on the dates below : XXXX of 2019 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my card is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me. I called and was told that I didn't have a balance on my account so I'm not sure how this late payment could have been recorded I do ask that considering the good standing relationship we have that you remove this 30 day late from my credit report and refund any late fees assessed on my account. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to continuing having the positive experience that I have had with you in the past. 


COMPANY INFORMATION XXXX/XXXX ACCOUNT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on for a year now with equifax. I get a code XXXX and Im told to call them Ive done that Ive sent my id and social to them to verify my identity and my equifax still doesnt report my credit score nor update. They dont let me speak to a higher superior and they always act like everything is fine on their end but the problem is never resolved on my end. Id put time and dates but Ive called so many times I now can not even keep count. They keep telling me theyve removed the promotional block on my account but I dont even think they know what their talking about at this point.
Product: Credit reporting or other personal consumer reports

There are 3 different dates reported under date of last activity, last verified, date reported, date opened, closed date, high balance, last payment and this means that possibly all 3 of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? Delete for inaccuracy. Delete accounts immediately due to violating my consumer rights under the Federal Credit Reporting Act law 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I have submitted several disputes for the past year regarding inaccurate information on my credit report and the credit bureaus have failed to conduct a proper investigation to correct the inaccurate information on my credit report. The credit bureaus have violated my consumer rights and have not taken my disputes seriously. Every account listed in the attached credit report is inaccurate. DELETE IMMEDIATELY DUE TO INACCURACY. I have attached my credit report from XX/XX/year> with all the inaccuracies highlighted. This complaint serves as my dispute. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX