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

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. THIS IS THE 4th TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is XXXX XXXX. Please delete the following fraudulent addresses from my credit file:XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX. The following phone numbers are not PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone else mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I have an unverified account from the following companies : XX/XX/XXXXXXXX XX/XX/XXXX # XXXX, XX/XX/XXXX# XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX# XXXX, XX/XX/XXXX XX/XX/XXXX# XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XX/XX/XXXX# XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.
Product: Debt collection

On XX/XX/2020 I sent out debt validation letter for alleged debt. 
Letter was received on XX/XX/2020 @ XXXX XXXX I received a letter back on XX/XX/2020 The letter I received does not include all of the ( ten ) items I asked for. 

In my letter, I state " Please keep in mind, Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. ( 10 items ) ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am making this complaint because there are multiple errors on my credit report I called the XXXX, Equifax, and XXXX but only XXXX was willing to help me over the phone although I mailed the dispute in they claim they did not receive it. Please help me in getting these errors removed and proper communication with these companies. Thanks.
Product: Mortgage

I contacted HSBC about 3 weeks ago to make a one off lump sum payment and the process to do this. We wished to keep the mortgage term the same and reduce our monthly payments. After several phone calls and emails I was told that I could only keep the mortgage term the same if I paid {$300.00} to the bank to re-calculate the interest payments. The mortgage agreement allows me to pay lump sums penalty free. There is no disclosure of this hidden fee in the mortgage agreement or on the HSBC website. I asked for the fee to be waived which HSBC have refused to do. I believe that this fee is being unfairly charged as it is not disclosed anywhere publicly and HSBC are involved in deceptive practices regarding their mortgage business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX stated they did not have information to take off the XXXX XXXX inquiry off credit report. That was of a result of an attempted identity theft. There is a police report with the XXXX XXXX XXXX, it is report to FTC, and internet crime compliant center.
Product: Debt collection

I am having an issue of an ongoing nature with a collection agency reporting information on my credit report regarding a debt which was paid in full prior to being sent to collections. the debt regards a payment for rent in a condo where myself and my partner lived, in California. Prior to moving out, the debt was paid for in cash and then we were given permission to move from the property. Nothing was ever reported immediately following this transaction. Approximately 1 year after, the debt was placed into collection but we were never notified as to the legitimacy or lack thereof regarding the debt. 

I have disputed numerous times, citing FCRA compliance and requesting original paperwork from the company under the Fair Debt Collection Practices Act, which I would then use to validate such an amount being due, and then take action against the company reporting the information fraudulently. To date, no documents have been provided from these disputes, neither prior to dispute or after dispute. The company is simply stamping the dispute as meeting FCRA standards without actually meeting them, causing a hardship on myself with every new dispute. 

This is unfair and wrong and I am asking this federal agency to assist in mediation with this matter. 

The collection agency : Allied Collections, has to this date refused to reply with a response that meets FCRA guidelines, they have provided no tangible paperwork as requested, they have not communicated with myself in any manner and when i contact the reporting agencies, as to what material has been submitted to prove the debt is accurate, I am told the company has not provided any paperwork but have made the claim that it is correct. 

Also this collection has been systematically increasing in dollar amount even though it is in the hands of a debt buyer and long closed. 

This needs to be investigated and corrected. This debt is not factual as all monies owed were paid prior to vacating premises. I am asking for assistance in investigating this fraudulent collection claim in a timely manner.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries and I have asked for them to be removed and the bureaus have not done what Ive asked. I will be providing an identity theft report below and Im requesting them to be removed because their are inaccurate and not mines.
Product: Credit card or prepaid card

I received a bill on my XXXX Comenity Mastercard that was due on XX/XX/28, I made a partial payment in a timely fashion. 
I then received a bill for the next month due on XX/XX/28 which included interest due to the partial payment on XX/XX/28. That interest charge is understandable. I then proceeded to pay that bill in full again prior to the due date. That payment in full was acknowledged by XXXX. 
My next bill due on XX/XX/28 also included an interest charge, even though the previous bill had been paid in full before the due date. 
I did call XXXX and inquired about the interest charge even though the payment was made in full. Their response was that when the card changed from All Rewards to XXXX it included " residual interest '' even though there was no balance overdue and the card had been paid in full. 
I believe this " residual interest '' is an unfair charge as the balance was paid in full and should not have accrued any interest whatsoever. It is also interesting to note that the interest on the XX/XX/28 partial payment was only slightly more than the interest charged even though the account had been paid in full. This amounts to unfair charges to the consumer. My account with them will be cancelled. I do hope you publish this and warn others of how this company operates, especially in times of inflation.
Product: Payday loan, title loan, or personal loan

Hello, I am filing this complaint against Tower Loan due to never receiving the information I was told would be provided for my loan account. I have been told that there is some " bug '' in their system that is preventing me from receiving the e-statements that are supposed to be emailed to me each month showing my payment date, payment amount and payment information. Every time I have tried to reach out to Tower Loan I have been told this is being worked on and that there is no time frame as to when this will be fixed. I have been waiting since XXXX. The other day I received some letter stating that this issue was of non high priority and that my account was not considered to receive any attention regarding this issue and that most customers do not face this issue. Instead of trying to resolve this issue by getting it fixed I was told that I needed to contact the area Supervisor which I have and which is whom stated there was no time frame established for getting this issue resolved. Being told that my account situation is not of any importance is not going to be accepted by me. The person that wrote this letter if they are unable to fix this then they should take the time to figure who can. The person who wrote the letter is named XXXX XXXX. Well XXXX to tell me that my account is not of any importance to your business only tells me one thing that your company doesn't deserve my business for the simple fact that your company needs to be thrown out of business if your company is not able to assist customers with their situations. 


Thank you, XXXX XXXX
Product: Credit reporting

I mailed my correct name and address to Experian in XXXX. I gave them proof of address and my social security card and drivers license copies. I even gave them a call in the beginning of XXXX and they have not changed the wrong information on my credit report.
Product: Credit card or prepaid card

When I contacted Citi to discuss about the options after annual fee being posted, the customer representative closed my account before I agreed to close it. I asked a few questions regarding the rewards when she read the disclosure, the representative transferred the call to a different team. The next agent told me the account was closed already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided XXXX, XXXX, and Equifax with multiple police reports, FTC identity reports regarding fraudulent accounts on my credit report. After investigations its always saying verified as accuratebut nothing is being furnished on how it was confirmed. My identification documents have been compromised and most of these accounts are completely online. I think these companies are not adequately investigating these disputes or not weighing the evidence providedinstead they are just taking the company word for it. This has been an ongoing Situation for 2 years now and have even got to where they are forwarding my mail and intercepting mail. This have been verified by USPS and explains how they was able to get credit cards delivered to my address without me seeing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received an updated credit score on XXXX XXXX. It shows my XXXX went down by 55 points. I have been disputing an account on my XXXX credit report for months now. I have called XXXX ( waited over 1/2 hour ) on the phone because I kept getting transferred. I have explained to XXXX that this account " XXXX XXXX XXXX XXXX '' does not belong reporting on my credit report. I even sent XXXX a copy of my XXXX credit report showing that this account has been deleted and removed off my report after there investigation. I was told they are seperate companies. I do understand they are seperate company 's however the same response should have been received for my dispute. First they were reporting that this account was included in my bankruptcy. Thank you to cfpb for helping me resolve that issue as I NEVER FILED FOR BANKRUPTCY. Now XXXX XXXX XXXX XXXX is reporting this as delinquent plus each month reporting as a late payment plus charged off to a bad debt. This information is completely wrong and it should not be reporting on my credit report. I do not know where to turn to from here my only other option is to hire and attorney for false information reporting that should be removed off my report. I have sent in and uploaded proof that XXXX XXXX XXXX XXXX does not appear on my XXXX credit report and they did a thourough investigation. XXXX and experian should have received the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report in XXXX XXXX and it appears a balance from XXXX XXXX XXXX of {$8200.00} that was opened on XX/XX/2014.Its been reported by Equifax. I've been sending dispute online and by phone to Equifax but they keep getting the response that is mine from XXXX XXXX XXXX. 
I called XXXX  XXXX XXXX and talk to the fraud department and they don't have any account that belongs to me but they advise me that I have to contact Equifax, they are the one that can do something about it. 
I am a little desperate cause I'm buying a house and this is preventing me to go through the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX
Product: Debt collection

Dear Bank of America ; Cease all methods of communications and collections on this account. I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Product: Debt collection

Optio Solutions LLC in XXXX California was contracted by XXXX to collect on an invoice which the vendor XXXX performed inadequate and non-completed work. Optio Solutions LLC was informed in writing twice that their attempt to collect on an invoice which was for false work. It was communicated in writing to XXXX XXXX four times that their work was incomplete and inadequate.
Product: Debt collection

Since   XXXX   XXXX     I have been trying to get validation of debt from  XXXX  antander Consumer Usa through all  credit bureaus so far no luck. This major error is affecting me on making a major purchase for house on  XX/XX/2017      XXXX   mail me a completed investigation removing t his Auto Debt but t he account was not removed from   XXXX   and  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights.

15 U.S.C 1681 section 602 A. States that 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 a consumers written instructions. 

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
Product: Debt collection

After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/2018 as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the that the creditor has authorization to legally access my medical records and to attempt to collect on this account as it should have been fully covered under medicaid and this account continues to negatively affect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying down credit cards, my credit score was lowered XXXX points when I was advised it would improve my score.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report. As a victim of a data breach, my personal information has been compromised and used to create unauthorized accounts and inquiries. 
Under 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am entitled to have fraudulent accounts and inquiries resulting from identity theft blocked and removed from my credit file. 
XXXX Accounts XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$3200.00} XXXX. XXXX XXXX XX/XX/XXXX {$3500.00} Unauthorized Inquiries XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX OF XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

A student loan has caused my score to lower before it is due. It is not delinquent. I was approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 H & R accounts added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA H & R Accounts Inc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 

XXXX  Facts : XXXX is aware and has proof in the attachment labeled as XXXX XXXX. XXXX XXXX  Account # XXXX, XXXX, XXXX XXXX  Account # XXXX, XXXX, XXXX XXXX Account # XXXX # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX XXXX  Account XXXX  XXXX, XXXX, XXXX XXXX  Account # XXXX, XXXX, XXXX XXXX Account XXXX  XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Checking or savings account

I applied online to Citibank to open a checking account. I filled out all applicable information and was told I'd get a decision in the mail. On XX/XX/19, I received a denial letter from Citibank stating they couldn't get past my credit alert on my XXXX report. My current telephone number is on my alert to verify it's me applying for accounts. The Citibank customer service rep stated the back office needs the alert removed on my report. I told them my current information is also on the alert to verify it's me. Every other company has this policy to proceed. The CSR couldn't say. I think this is ridiculous as It takes weeks to write to XXXX and remove it. I believe Citibank is discriminating against me and not recognizing what all other companies do.
Product: Debt collection

I have received 4 calls in 2 days from XXXX XXXX XXXX XXXXXXXX, debt collectors seeking to collect a debt of some guy named XXXX. I dont know anyone by that name and I have asked them to stop calling but they persist. This has happened for years with different collection agencies
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX formally dispute several unauthorized Inquiries that appear on my credit report. These inquiries were not authorizes by me and are negatively impacting my credit score.I demand they be immediate investigated and be remove. According to section 604 of the FCRA ( 15 U.S.C. and 1681b ), a hard inquiry may only be conducted if there is a legitimate and permissible purpose, such as my application for credit, insurance, or employment and with consent. None of the following inquiries meet the criteria : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Since I did not authorize these inquiries, they are violation of the FCRA and must be removed from my credit